Delphinus Financial Advisors LLC

Item 5 – Fees and Compensation
Advisor has legacy clients who pay fees that differ from those noted below and are no longer
on offer by the firm.

Advisory Services

Advisor charges a fixed, annual fee for its services and determines that fee based upon its
understanding of the complexity of a client’s financial situation and the scope, amount, type,
and extent of services needed by the client. Advisor’s fee is billed monthly, in advance.

Clients authorize Advisor to deduct its fee directly from their Account held at an
independent custodian. Clients authorize Advisor to instruct the Account's custodian to
deduct its fee from the Account as it becomes due and payable. If a client has more than one
Account, Advisor determines from which Account to deduct its fee based on the client’s
best interest or at their instruction. Clients consent to Advisor’s billing their Accounts
disproportionately for fees if it becomes necessary due to insufficient funds in a given
Account or if doing so is in the client’s best interest. If Advisor cannot directly deduct its fee
from a client’s Account(s), Advisor will invoice the client for their fee as it becomes due and
payable. When clients make payment directly, Advisor accepts payment by credit card
through a third-party vendor.

Annual fees are initially calculated and are then recalculated at Advisor’s discretion on thirty
(30) days written notice to the client). In no event will the Advisor require prepayment of
more than $1,200.00 in fees for services provided six months or more in advance from any
client.

Add-ons, credits, and miscellaneous adjustments: Additional charges may be assessed at the sole
discretion of Advisor for amended tax returns and for additional tax returns prepared for
dependents of the client, if applicable. Credits and miscellaneous adjustments may also be
applied, as deemed appropriate, at the sole discretion of Advisor.

          Part 2A of Form ADV for Delphinus Financial Advisors, LLC – Page 7

General Fees and Compensation Notes

Delphinus Financial Advisors, LLC is a fee-only financial advisory firm and does not sell
investment or insurance products.

Fees are generally not negotiable and are paid directly by the client as described above. The
client may terminate an engagement by providing written notice within five days of signing
the agreement. Additionally, either party may terminate an agreement, without penalty, upon
written notice. Any prepaid but unearned fees will be promptly refunded by Advisor. Any
fees that have been earned but not yet paid by the client will be due and payable. Whether
fees have been earned or unearned will be determined by Advisor in Advisor’s sole
discretion.

In addition to Advisor’s fee, clients may incur certain other fees, charges, and/or taxes due
to implementation of Advisor’s recommendations. Additional charges and fees will be
imposed by custodians, brokers, third party investment and other third parties, such as fees
charged by managers, custodial fees, deferred sales charges, odd-lot differentials, transfer
taxes, wire transfer and electronic fund fees, and other fees and taxes. Mutual funds and
exchange traded funds also charge internal management fees, which are disclosed in a fund’s
prospectus. Such charges, fees, and taxes are exclusive of, and in addition to, the Advisor’s
fee.

Item 7 – Types of Clients
Advisor provides holistic financial planning and investment advisory services primarily to
individuals and families. For those who may not be a fit for Advisor, Advisor may provide
names of other firms for consideration.