NavPoint is a federally registered investment adviser with its principal place of business located in Minnesota. NavPoint recognizes the responsibility as a fiduciary according to the Investment Advisors Act of 1940. NavPoint began conducting business in 1997 and is owned by David G. Martell, Ayn Carlson, Cole Carlson and Bruce Edwin Carlson. The documents to make the ownership change official were signed on 9/27/2023 to be effective retroactively on 7/1/2023. The major decisions of a strategic and administrative nature for the firm are made by Bruce Carlson and one or more of the following officers, David Martell-President, CEO, Krista Ketelsen-Vice President, CCO, Corporate Secretary. ADVISORY SERVICES NavPoint provides a variety of services including investment and portfolio management, financial advice, and financial planning. Based on the needs and stated requirements of our clients, NavPoint will identify the scope of services we will provide on a customized basis for each client in advance. We will discuss the scope and responsibilities with a prospective client before presenting them with a contract. Investment Management NavPoint offers investment management services. We determine the client’s individual objectives, time horizons, risk tolerance and liquidity needs. Tax considerations and integrating concentrated positions (corporate benefit plans, small business ownership, inheritance etc.) can play a significant role in portfolio design. As appropriate we also review and discuss a client’s prior investment history as well as family composition and background. NavPoint implements the allocation, and then monitors the assets and portfolios. We alter individual portfolios based on changing markets, changing client circumstances or risk tolerances and our judgment about the evolving nature of opportunities and risks. Special note: Especially with our corporate executive clients (or any client that has a significant part of their net investment assets inside employer benefit plans, or otherwise deployed outside traditional financial accounts), the portfolio recommendations we make may lead to concentrated, or imbalanced portfolios when looked at in isolation. However, when the client’s total financial picture is considered, the total portfolio will be directed towards the client’s objectives and within client’s risk tolerances. We approach our investment management looking at a client’s situation and assets holistically even if we may be directing strategies affecting only a portion of the assets. This is discussed in detail with clients. We also strive to construct our client’s portfolios to be efficient with respect to costs and anticipated taxation. Financial Planning We provide financial planning services. Financial planning is a comprehensive evaluation of a client’s current and future financial state by using currently known variables to predict future cash flows, asset values and withdrawal plans. Through the financial planning process, questions, information, and analysis are considered as they impact and are impacted by the entire financial and life situation of the client. Clients purchasing financial planning services receive advice and reports consistent with illustrating their circumstances or to assist decision-making towards achieving his or her financial goals and objectives. NavPoint Financial, Inc. Disclosure Brochure

5 In general, our financial planning services can address any or all the following areas: · PERSONAL: We review family records, budgeting, personal liability, estate information and financial goals. · TAX & CASH FLOW: We analyze the client’s income tax and spending and planning for past, current and future years; then illustrate the impact of various investments on the client's current income tax and future tax liability. · INVESTMENTS: We analyze investment alternatives and their effect on the client's portfolio and likely contribution to the client’s goals. We particularly emphasize the integration of employer benefits and outside assets in strategies we develop for high-level corporate executives. Further information regarding our investment recommendations practices and procedures is provided in “Investment Management”, above. · INSURANCE: We review existing policies to ensure proper coverage for life, health, disability, long-term care, liability, home and automobile. · RETIREMENT: We model likely future scenarios and analyze current strategies and investment plans to help the client achieve his or her retirement goals. · DEATH & DISABILITY: We review the client’s cash needs at death, income needs of surviving dependents, estate planning and disability income. · ESTATE: We assist the client in assessing and developing long-term strategies, including as appropriate, living trusts, wills, review estate tax, powers of attorney, asset protection plans, nursing homes, Medicaid and elder law. · OTHER: It may also include analyzing a very specific circumstance or opportunity the client faces, such as evaluating executive compensation packages. We gather required information through in-depth personal interviews. Information gathered includes the client's current financial status, tax status, future goals, return objectives and attitudes towards risk. We carefully review documents supplied by the client, including a questionnaire completed by the client. We then construct illustrations or future projections that illustrate reasonable client outcomes. The results are presented to the client for discussion and to verify that goals are achievable. We then prepare recommendations based on our judgment to achieve the client’s goals. Should the client choose to implement the recommendations we provide, we suggest the client work closely with his/her attorney, accountant and/or insurance agent. Implementation of financial planning recommendations is entirely at the client's discretion. Special Projects We will endeavor to assist clients in other areas of financial analysis via special projects as the need arises. This generally involves advice and analysis surrounding complicated topics requiring open-ended analysis, such as the sale of a business or a divorce in the family. This may take several forms, from providing the analysis ourselves, to assisting the client in selecting other advisors with the proper level of expertise to address the issue/opportunity faced. Fees for this service will be negotiated in advance. We reserve the right to charge hourly for special projects. This type of arrangement will be discussed with clients in advance of any work or contracting. NavPoint Financial, Inc. Disclosure Brochure 6 AMOUNT OF MANAGED ASSETS As of December 31, 2023, we were actively managing $609,574,657 of clients' assets.