Firm Overview Naviquant Capital Management LLC is a limited liability company formed under the laws of the State of Oregon, doing business under the trade name Naviquant. Naviquant became registered as a registered investment adviser with the United States Securities and Exchange Commission in 2023. Jocelyn Servignat and Ryan Coleman are the firm’s owners, Principal Partners and Investment Adviser Representatives. Services Financial Planning Services Our Financial Planning Services involve an evaluation of your current financial circumstances and future projections by using currently known variables to predict future cash flows, asset values, and withdrawal plans. We will guide you through a process to establish your investment goals and objectives. You will be required to provide information as necessary to help us analyze your current financial situation, desired goals, and anticipated future needs. You will receive a written or an electronic report, providing you with a detailed financial plan designed to achieve your stated financial goals and objectives. We will provide analysis and recommendations regarding specific topics, which may include any or all of the following, depending on your specific needs:
• Cash Flow and Debt Management
• Investment Analysis
• Retirement Planning
• Business Planning
• Education Planning
• Risk Management
• Estate Planning
• Tax Strategies
• Charitable Planning We base our financial plans on the information you provide to us. Inaccurate or incomplete information may result in an inaccurate or incomplete financial plan. To create a financial plan, we must make certain assumptions with respect to interest and inflation rates, past trends, and future projections of the performance of the market and economy. Past performance is no indication of future performance, and we cannot offer any guarantees or promises that your goals and objectives will be met. Changes to your personal financial circumstances, goals, or objectives may cause your financial plan to become inaccurate and out of date. We recommend you notify us promptly of any changes so your plan can be updated. If you engage our Asset Management Services, you will receive our Financial Planning Services on an ongoing basis for no additional fee. We use the information provided by you in the financial planning process to formulate our investment recommendations for your investment portfolio. As your financial circumstances change, we will work with you to update your financial plan as needed and adjust your investment portfolio as necessary. Financial Planning Services are provided on a non- discretionary basis. This means you have the option to implement any of the recommendations made in the financial plan. You are not obligated to implement any financial planning recommendations made by us. Although the financial plan may consider your tax situation or estate plan, we do not provide tax or legal advice. We recommend you work closely with your attorney, accountant, or other investment professionals in implementing your plan. We are happy to work with your professionals to coordinate your financial plan with your estate planning and tax planning. In some cases, your financial plan may include a recommendation to purchase an insurance product. Some of our investment adviser representatives are also licensed insurance agents. If you choose to purchase a recommended insurance product through your investment adviser representative who is a licensed insurance agent, he or she will earn a commission on products purchased. You are not obligated to purchase insurance products through our investment adviser representatives; you may choose to purchase insurance products through any licensed agent. Project-Based Financial Plan. If you do not receive our Asset Management Services, you may engage our Financial Planning Services on a project basis for a one-time financial plan. You will receive a written or an electronic report, providing you with a detailed financial plan designed to achieve your stated financial goals and objectives. We will provide analysis and recommendations regarding specific topics, which may include any or all of the topics described above, depending on your specific needs. For Project-Based Financial Plans, we do not provide ongoing review or updates of your financial plan. Individuals who engage us for a Project- Based Financial Plan may implement any investment recommendations on your own. We do not have any control over the timing or accuracy of any transactions executed by you. Asset Management Services With our Asset Management Services, we create an investment portfolio for you tailored to your specific needs. Your investment portfolio includes your brokerage accounts held by a qualified custodian for which you have appointed us as your investment adviser of record. We work with you to determine an appropriate investment strategy designed to meet your investment goals and objectives. Based on this investment strategy, we assign an investment portfolio designed to meet your specific needs and financial circumstances. Once your investment portfolio has been created, we will review the portfolio at least monthly and, if necessary, rebalance the portfolio based upon your investment objectives. We assign your investment strategy based on the information you provide to us. Inaccurate or incomplete information may result in an inappropriate investment portfolio. Past performance is no indication of future performance, and we cannot offer any guarantees or promises that your goals and objectives will be met. Changes to your personal financial circumstances, goals, or objectives may cause your investment strategy to become inaccurate and out of date. We recommend you notify us promptly of any changes so your investment portfolio can be updated, if necessary. We will provide our Asset Management Services on a discretionary basis. This means we are not required to give you advance notice or to seek your consent for any changes to your portfolio. Although you retain ownership and control over your investment account, we ask that you refrain from conducting transactions in the account without first notifying us. Please coordinate with us on any anticipated deposits or withdrawals so we can ensure your investment strategy is maintained. We generally employ a mix of momentum strategy based on our quantitative model and long-term buy-and-hold passive investment strategies. You may impose reasonable restrictions on investing in certain types of securities. We typically will recommend mutual funds, exchange-traded funds (ETFs), stocks and bonds for your investment portfolio, but may also recommend other types of investments when appropriate based on your circumstances. See Item 8 – Methods of Analysis, Investment Strategies and Risk of Loss for additional information on our asset management practices. We tailor our advisory services to your individual needs. We will conduct an initial interview and data gathering process to determine your financial situation and investment objectives. We provide our advisory services consistent with your investment objectives and with our fiduciary duty to you. You may request reasonable restrictions on investing in certain securities, types of securities, or industry sectors. We will make a reasonable attempt to honor any reasonable restrictions you request, but in the case of pooled investment vehicles such as mutual funds or ETFs where underlying holdings change frequently, we cannot guarantee restrictions

will always be enforced. In addition, such restrictions may cause us to deviate from the investment decisions we would otherwise make in managing your account. In some cases, we may not be able to accommodate restrictions if they do not allow us to manage your portfolio in a prudent manner. You may also impose reasonable restrictions upon certain securities or types of securities in your account. We will contact or attempt to contact you annually to confirm if there have been any changes in your financial situation or investment objectives, or determine if you wish to impose or modify account restrictions. Because our advisory services are based on your specific financial circumstances, you are urged to promptly notify us any time you experience changes to your financial circumstances, so we can determine if any changes to your investment strategy or our recommendations are necessary. Retirement Plan Consulting Services Our Retirement Plan Services include consulting and advisory services designed to assist plan sponsors and participants of employer-sponsored qualified retirement plans. These services may be provided on a one-time or ongoing basis. All Retirement Plan Services will be provided in compliance with the applicable state and federal regulations, including the Employee Retirement Income Security Act of 1974, as amended (“ERISA”). With respect to assets that are part of an ERISA plan, we accept appointments to provide our services to such accounts, we acknowledge our fiduciary role within the meaning of Section 3(21) of ERISA, but only with respect to the provision of services described in the advisory agreement. We do not assume the duties of or accept appointment as a trustee or plan administrator as defined in ERISA Section 3(16), or as a discretionary investment manager as defined in ERISA Section 3(38). Retirement Plan Consulting Services may include the services described below, as agreed upon between us and the plan sponsor. Administrative Support
• Assist plan sponsor in reviewing objectives and options available in the plan.
• Review plan committee structure and administrative policies and procedures.
• Recommend participant education and communications policies under ERISA Section 404(c).
• Assist with development and maintenance of fiduciary audit file and document retention policies.
• Deliver fiduciary training and education periodically or upon reasonable request.
• Coordinate and reconcile participant disclosures under 404(a)(5).
• Develop requirements for responding to participant requests. Oversight of Relationship with Service Provider
• Assist fiduciaries with process to select, monitor and replace service providers.
• Assist fiduciaries with review of Covered Service Providers (CSP) disclosures under ERISA 408(b)(2) and fee benchmarking.
• Provide reports and/or information designed to assist with monitoring CSPs.
• Review ERISA Spending Accounts or Plan Expense Recapture Accounts (PERA).
• Assist with preparation and review of Requests for Proposals (RFPs) and/or Requests for Information (RFIs).
• Coordinate and assist with CSP replacement and conversion. Investments
• Periodic review of investment policy in the context of plan objectives.
• Assist the plan committee with monitoring investment performance.
• Provide analysis of investment managers and model portfolios.
• Review and recommend Designated Investment Managers (DIMs) and or third-party advice providers as necessary.
• Educate plan committee members, as needed, regarding replacement of Designated Investment Alternatives (DIAs) and/or Qualified Default Investment Alternatives (QDIAs). Participant Services
• Facilitate group enrollment meetings.
• Coordinate employee education regarding plan investments and fees.
• Assist plan participants in understanding plan benefits, retirement readiness, and impact of increasing deferrals. Participant Consulting Services The Participant Services described above are generally considered informational and educational only. Services to participants may include information about the plan, general financial and investment information, and/or generalized asset allocation models, but will not address the appropriateness for any individual investment option or model for any particular participant. However, participants may separately engage us for Participant Consulting Services to receive advice and recommendations regarding investments in the participant’s retirement account. Our recommendations are provided solely with respect to plan assets. We do not provide advice or recommendations regarding any assets held outside of the plan and we do not provide advice regarding securities issued by the participant’s employer. Investment Fiduciary Services Plan sponsors may also elect Investment Fiduciary Services for their plans. We provide Investment Fiduciary Services either on a discretionary or non-discretionary basis. With non- discretionary Investment Fiduciary Services, we act in the capacity of a fiduciary as defined in ERISA Section 3(21), making recommendations with regard to the plan, but the plan sponsor retains the discretion to accept, reject, or modify any of our recommendations. With discretionary Investment Fiduciary Services, the plan sponsor appoints us as a discretionary investment manager as defined in ERISA Section 3(38), and we have discretion to make decisions regarding plan assets. Investment Fiduciary Services include advice regarding the following: Non-Discretionary 3(21) Investment Fiduciary Services
• Assistance with the review or development of an Investment Policy Statement (IPS).
• Recommendations regarding the selection of Designated Investment Alternatives (DIAs) to be offered to participants and Qualified Default Investment Alternatives (QDIAs).
• Recommendations regarding the selection of investment managers available to the plan.
• Ongoing monitoring of DIAs, QDIAs, and investment managers, once selected by the plan sponsor. Discretionary 3(38) Investment Fiduciary Services
• Development of an IPS.
• Selection, monitoring, and replacement of DIAs and QDIAs.
• Creation and maintenance of model asset allocation portfolios (Models). Educational Workshops and Seminars We may host educational seminars, or may participate in educational seminars hosted by other entities or organizations. Events may be in-person or virtual presentations featuring one or more of our qualified professionals as a speaker, providing content of an educational and informational nature, but will not include specific individualized advice. Content may include electronic visual aids, brochures, or other materials. The topic of the presentation will be agreed upon between us and the organizer of the event, but generally will cover subjects relating to personal finance, financial planning, and investing. Content will be appropriate for the knowledge and sophistication of the audience, as defined by the event organizer. Wrap Fee Program We do not participate in a wrap fee program. Assets Under Management As of December 31, 2023, we had $161,474,000 in assets managed on a discretionary basis and $0 assets managed on a non-discretionary basis. This section will be updated on at least an annual basis to reflect our assets under management as of December 31 of each year, or more frequently if material changes occur with regard to the assets we manage.