Acumen Financial Advisors LLC

Item 5. Fees and Compensation
VISION2020 Wealth Management Platform – Advisor Managed Portfolios
We offer Advisor Managed Portfolios as an investment option where no separate transaction charges
apply, and a single fee is paid for all advisory services and transactions (“Wrap Account”).

As a participant in the Advisor Managed Portfolios (“Program”), clients pay an annualized account fee
(“Wrap Fee”) that covers all advisory services and transaction charges for trading in the account. Clients
pay a quarterly fee, in advance, based upon the market value of the assets held in their account(s) as of
the last business day of the preceding calendar quarter. Clients who have assets managed under the
Program authorize Osaic Wealth to directly debit fees from the account(s). Pershing, as the clearing firm
for the Program accounts, maintained through Osaic Wealth, processes the fee charges. A portion of the
Wrap Fee is retained by Osaic Wealth for administrative services.

The Wrap Fee is negotiable. Please refer to the VISION2020 Wealth Management Platform, Advisor
Managed Portfolios, Part 2A, A ppendix 1, Program Brochure (“Program Brochure”) for more details on
the Program’s fees and charges.

In the event that a client terminates the agreement with Acumen and the Program, the client will be entitled
to a pro rata refund of any prepaid quarterly fees based upon the number of days remaining in the quarter
after the date upon which the notice of termination is received. However, clients may terminate the agreement
with Acumen and the Program within five days of the execution date, without penalty.

With respect to clients who utilize margin, the net worth or net equity will be used as the value of the
account, not the long or short market value. With respect to clients who purchase or sell option contracts,
the positive or negative value of the option will be included in the net equity value of the account, for
purposes of determining the advisory fee. Clients should be aware that option contracts are a “wasting”
asset in that they have value only through the date on which they expire. If call option contracts are sold in
conjunction with securities held in an account (“covered call”), the cash received on the sale of the
option may have the effect of temporarily increasing the net equity value of the account and thus
increasing the amount of the advisory fee.

Additional ancillary fees may apply. Please see the Program Brochure for further details. The fee schedule

for Advisor Managed Portfolios is as follows; however, these fees can be adjusted on a case-by-case basis
by the Advisor.

              Total Account Value              Maximum Annual Account Fee Paid by Client
              $50,000 to $249,999                              2.50%
              $250,000 to $499,999                             2.25%
              $500,000 to $749,000                             2.00%
             $750,000 to $1,249,999                            1.75%
            $1,250,000 to $1,999,999                           1.50%
            $2,000,000 to $4,999,999                           1.25%
           $5,000,000 to $24,999,999                           1.25%
                Over $25,000,000                               1.00%

Mutual funds offered through the Program are sold at institutional pricing. Mutual fund investments
have their own internal fees which are separate from the Program. For information on these fees, please
see the applicable mutual fund prospectus. Mutual funds may be subject to early redemption fees and
internal management fees as well as other mutual fund expenses. Such charges and fees are exclusive of
and in addition to the Program’s fee. Acumen does not receive any portion of these fees. Again, refer to
the mutual fund prospectus for full details.

Clients may be able to purchase shares of mutual funds, that are also offered through the Program, directly
from the mutual fund complex or its distributor without paying the advisory fees on such shares (but
subject to any applicable sales charges). However, clients may incur certain charges imposed by third
parties such as deferred contingent sales charges on mutual fund redemptions and retirement account
fees.

Comprehensive Financial Planning
Investment Advisory Representatives provide hourly consultation with respect to financial, tax and estate
planning. Hourly fees for these services will be pre-determined and based on the scope of work. Investment
Advisory Representatives also provide financial planning services for a fixed fee. Annual fees for a
Financial Plan range from $500 to $10,000, depending upon the needs of the client and the complexity
of the Financial Plan. Fees for Comprehensive Financial Planning services are due after the services are
rendered.

Acumen’s fees for Comprehensive Financial Planning are exclusive of brokerage commissions,
transaction fees, and other related charges which shall be incurred by the client.

Clients have the option to purchase investments and/or insurance products that are recommended by
Acumen through any broker or agent whether the broker or agent is affiliated with Acumen.

In addition to providing advisory services, Investment Advisory Representatives will likely recommend
securities and investments in their capacity as Registered Representatives of Osaic Wealth and insurance
products as licensed insurance agents. Registered Representatives will receive additional compensation in
connection with this activity; the amount of compensation will depend on the type of product purchased
creating a greater financial incentive to sell certain products as opposed to others. While transactions are
reviewed for suitability by a general securities principal, clients should be aware of the incentives we
have to sell certain investment and insurance products and are encouraged to ask us about this conflict.
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Item 7. Types of Clients
Acumen provides investment advisory services to individuals, trusts and estates, pension and profit-
sharing plans, charitable institutions, foundations, endowments, and U.S. companies or business entities.
The minimum account size for the Program is $50,000, which in certain situations, is waived. This includes,
but is not limited to, instances where the client intends to bring in additional assets or the account depreciates
in value. There are no minimum asset requirements for the other advisory services offered by Acumen.