Opulen Financial Group LLC

Item 5: Fees and Compensation
Method of Compensation and Fee Schedule
 ASSET MANAGEMENT
 OFG offers direct asset management services to advisory Clients. OFG charges an annual
 investment advisory fee based on the total assets under management as follows:
   Assets under management           Maximum annual fee             Maximum monthly fee
          $0-$500,000                       1.75%                           .146%
     $500,001 - $1,000,000                  1.25%                           .104%
     $1,00,001 - $2,000,000                 1.00%                           .083%
        Over $2,000,000                     0.75%                           .063%
 OFG’s annual fee may be negotiable based on a number of factors, which include but are not
 limited to “grandfathered” accounts, related accounts, and other structures that we may
 consider in special situations. In limited situations, we may also manage accounts for family
 and friends without charge. Individual accounts within the same household may be
 combined for a reduced fee. Householding applies to accounts in both passively, actively or
 a combination of both. Annual Fee payments are due and assessed at the beginning of each
 month based on the value of the assets under management as of the close of business on
 the last business day of the preceding month as valued by the custodian. If an account is
 opened after the calendar month, than the initial fee billed will be prorated for the

                                   Opulen Financial Group, LLC

remainder of the month. Monthly advisory fees deducted from the Clients' account by the
custodian.
When utilizing Schwab Personalized Indexing to manage Clients’ investment portfolios
client will pay an additional fee of 0.12% annually. This will be disclosed on the agreement
between Client and OFG. The annual fee will be billed monthly in arrears. Schwab will
deduct their portion of the directly from the Client’s account.
Lower fees for comparable services may be available from other sources. Clients may
terminate their account within five (5) business days of signing the Investment Advisory
Agreement with no obligation and without penalty. After the initial five (5) business days,
the agreement may be terminated by OFG with thirty (30) days written notice to Client and
by the Client at any time with written notice to OFG. Client shall be given thirty (30) days
prior written notice of any increase in fees. Any increase in fees will be acknowledged in
writing by both parties before any increase in said fees occurs.
Betterment Investment Platform
When utilizing the Betterment Investment platform, fees will be billed as follows:
                                                    Betterment Annual    Total Maximum
 Assets under management        OFG annual fee
                                                           Fee             Annual Fee
       $0-$500,000                   1.75%                     .20%          1.95%
  $500,001 - $1,000,000              1.25%                     .20%          1.45%
  $1,00,001 - $2,000,000             1.00%                     .20%          1.20%
 $2,000,001 - $10,000,000            0.75%                     .18%           .93%
 $10,000,001 - $30,000,00.           0.75%                     .16%           .91%
$30,000,001 - $100,000,000           0.75%                     .14%           .89%
   $100,000,001 and on               0.75%                     .12%           .87%
Fees will be prorated and billed monthly in arrears. Fees will be automatically deducted
from your account. As part of this process, you understand and acknowledge the following:
  •   Betterment Securities as the custodian sends statements at least monthly to Clients
      showing all disbursements for their account, including the amount of the advisory
      fees paid to our firm;
  •   The Client has provided authorization permitting fees to be directly paid by these
      terms;
  •   Betterment Institution calculates the advisory fees and deducts them from the
      Client’s account. The fees are based on the end of month balance of their entire
      account. Client will see the total fee (to include the Betterment for Advisors platform
      fee of in addition to the annual percentage of assets charged by OFG.
  •   Betterment collects both their fee and OFG’s fee from each Client and remit OFG’s
      portion directly to OFG.
The investment advisory fee will be billed directly to the Custodian, with an informational
copy of the invoice to Client. The Custodian will deduct the fee for the Account upon receipt
of the invoice, or shortly thereafter. Subsequently the custodian will pay Betterment and
OFG. OFG will not be compensated based on the basis of a share of capital gains or capital
appreciation of the assets in the Account.

                                 Opulen Financial Group, LLC

Lower fees for comparable services may be available from other sources. Clients may
terminate their account within five (5) business days of signing the Investment Advisory
Agreement with no obligation and without penalty. After the initial five (5) business days,
the agreement may be terminated by OFG with thirty (30) days written notice to Client and
by the Client at any time with written notice to OFG. Client shall be given thirty (30) days
prior written notice of any increase in fees. Any increase in fees will be acknowledged in
writing by both parties before any increase in said fees occurs.
FINANCIAL PLANNING AND CONSULTING
Comprehensive Financial Plan
OFG charges an hourly fee of $200 per hour based on complexity and unique Client needs
for a comprehensive financial plan. Prior to the planning process the Client will be
provided an estimated plan fee.
Services are completed and delivered inside of sixty (60) days. Client may cancel within
five (5) business days of signing Agreement without any obligation and without penalty. If
...

Item 7: Types of Clients
Description
 OFG generally provides investment advice to individuals, high net worth individuals, and
 corporations. Client relationships vary in scope and length of service.

Account Minimums
 OFG requires a minimum of $500,000 to open an account. In certain instances, the
 minimum account size may be lowered or waived.