Copper Financial Network LLC

ITEM 5 - FEES AND COMPENSATION
FINANCIAL PLANNING FEES
Before commencing the financial planning process, you and your Advisor will meet to discuss, among other
things, the complexity of your financial situation, your specific personal and investment objectives, needs,
risk tolerance, the investment products and services we offer, the time it will take to review the background
materials you provide to your Advisor, the time that will be spent interacting with your other professional
advisors, if requested by you, and the frequency of meetings and contacts you will have with your Advisor
to ensure we serve your investment needs. You and your Advisor will then negotiate a fee for your financial
plan based on the above factors. In certain limited situations we may consider preparing a financial plan for
a flat fee.

The fee for each financial plan created by your Advisor will generally be determined at the rate of $250 per
hour. You may negotiate the hourly rate with your Advisor based on the factors discussed above. The
maximum fee for each financial plan is $5,000.00. We may offer financial planning services at no charge or
at a reduced fee to clients. We may charge clients with similar financial situations different fees based on    8
Copper Financial Form ADV Part 2A – Firm Brochure – August 2026

the rates negotiated between the client and the Advisor. Each subsequent or additional plan may be subject
to a new financial planning fee.

TPMA FEES
Each Manager in the TPMA program has its own brochure that describes the Manager's fees and billing
policies. The TPMA may also charge fees in addition to fees charged by the Manager. Please refer to the
TPMA’s brochure for specific information about fees assessed against your account by the TPMA and/or
Manager. The maximum annual fee on any TPMA account is 2.5% of assets under management. All TPMAs
will pay a portion of their fee collected from your TPMA account(s) to us and our Advisor as compensation
for our role as a solicitor. The portion of the fee paid by the TPMA to us and our Advisor is negotiable by
you.

In general, advisory fees are established in a written advisory agreement between you and the TPMA. You
will also incur certain charges imposed by the TPMA qualified custodians, our Clearing Firms if they are the
designated custodian, and other third parties. These charges may include, but are not limited to, fees such
as custodial fees, odd-lot differentials, low balance fees, transfer taxes, retirement account maintenance
and termination fees, wire transfer fees, electronic fund fees, and other fees and taxes on brokerage
accounts and securities transactions that may be required by law. These fees are exclusive of and in addition
to the advisory fees charged by the Manager, including the advisory fee paid to us and your Advisor. Contact
the TPMA or the custodian holding your account for additional information on the fees charged to you TPMA
account. We will not receive any portion of these fees.

In most cases, your TPMA account will have one or more approved custodians for your TPMA account. If the TPMA
does not mandate the use of a specific custodian, we will recommend that you establish your TPMA account
with our Clearing Firms (described in Item 15 below). If our Clearing Firms are the custodian of your TPMA
account(s), we will receive a portion of any one of or all of the following service fees, as applicable: outgoing
transfers, wired funds, inactive accounts, stop payments, direct registration of securities, margin extensions,
ticket charges, retirementaccount maintenance and termination fees, as well as asset-based fees on money
market positions, uninvested cash balances, margin balances and cash sweeps to bank accounts. Your
Advisor does not receive a portion of these fees.

OTHER FEES
In addition to the advisory fees described above, you will also incur certain fees charged by mutual fund
companies and exchange-traded funds selected by the Manager and held in your TPMA account, which are
disclosed in the applicable prospectus. Examples of these fees include deferred sales charges, administrative
expenses, internal management fees and other service fees. For more information about these fees please
read the summary or full prospectus for each mutual fund and the disclosure document for ETFs. We and
your Advisor do not receive a portion of these fees.

You may be able to obtain similar advisory services and securities separately for a lower fee through a
brokerage account or an advisory account with another investment adviser. Several factors determine
whether it will cost more or less to participate in one of our TPMA accounts or another brokerage or
investment advisory account where you purchase advice and securities separately, including size of your
account, the types of securities in which you invest, the level of trading activity in your account, and whether
the securities involve internal or other expenses in addition to an investment advisory fee. You should consider
these and other differences when deciding whether to invest through an investment advisory or a brokerage
account. Nevertheless, cost is only one factor in determining which type of investment account is most
appropriate for you. You should also consider your ability to access investment managers and securities that
are best suited to your personal and investment goals and risk tolerance.                                           9
Copper Financial Form ADV Part 2A – Firm Brochure – August 2026

Conflicts
We and our Advisors earn compensation based on the amount of assets in your account. You will pay us and
your Advisor more in advisory fees as the assets in your account increase. This creates an incentive for us
and our Advisors to recommend that you increase the assets in your account. We mitigate this conflict by
supervising and monitoring the recommendations made by our Advisors to reasonably ensure that such
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ITEM 7 - TYPES OF CLIENTS
We provide investment advisory services to individuals, entities, charitable institutions, foundations,
endowments, and trusts. For our Financial Planning Services, we will accept new advisory clients regardless
of their investable assets or account size. For TMPA accounts, we will accept new advisory clients who meet
the minimum initial investment amounts proscribed by the Managers.

The Manager and the custodian selected by the Manager may create eligibility requirements to establish an
account based on client residency or citizenship. Given these requirements, you may be required to provide
documentation to Copper Financial, the Manager, or custodian to document your residency or citizenship.
If a client’s residency or citizenship changes after the account is established or the Manager or custodian
change their eligibility requirements, the Manager or Custodian may terminate your TPMA agreement and
require you to liquidate your holdings or transfer them to another Custodian, where they will no longer be
managed by the Manager. This liquidation could result in taxable consequences to you if your account.