Opulus LLC

Item 5: Fees and Compensation
Financial Planning and Consulting Services Fees
Our fees are negotiable depending on the scope, complexity, needs, and circumstances
of the client, the individual providing the services, as well as the amount of time estimated
to complete the requested services.

For initial financial planning and consulting services, Opulus will charge an hourly fee
ranging from $150 - $400 per hour to be billed upon completion of the contracted
services. Generally, Opulus requires a prepayment of 50% of the initial hourly financial
planning and consulting services fee with the remaining balance due upon completion of
the agreed upon services.

Annual financial planning and consulting fees generally range between $1,750 and
$20,000 per year. The annual fee is negotiable based upon the facts and circumstances
of the client's financial situation and the complexity of the requested services. The agreed
upon fee is due and payable monthly or quarterly in advance as agreed upon with the
client.

Prior to engaging Opulus to provide financial planning and consulting services, the client
will be required to enter into a written advisory agreement with our firm. The Agreement
will set forth the terms and conditions of the engagement and describe the scope of the
services to be provided and the fee that will be due from the client. Other fee payment
arrangements may be negotiated with the client on a case-by-case basis. All such
arrangements will be clearly set forth in the financial planning agreement signed by the
client and the firm. We do not require you to pay fees six or more months in advance and
in excess of $1,200. Should the engagement last longer than six months between
acceptance of financial planning agreement and delivery of the financial plan, any prepaid
unearned fees will be promptly returned to you less a pro rata charge for bona fide
financial planning services rendered to date.

At our discretion, we may waive a portion of the financial planning fees for clients for who
are engaged with a recommended sub-adviser for investment management services for
which Opulus will share in the fees paid to the sub-adviser.

Unless the client has received the firm’s Disclosure Brochure at least 48 hour prior to
signing the investment advisory contract, the client may terminate the advisory
agreement within five business days of the date of execution without penalty. After the
five-day period, the agreement may be terminated by any of the parties to the agreement
by providing written notice to the other parties. Upon termination, fees will be prorated
and any unearned fees will be refunded to the client. Any fees accrued but not yet
assessed to the account will be assessed prior to the termination of the agreement.

Investment Advisory and Management
Typically, fees are payable quarterly or monthly in arrears. Our portion of the fee may be
negotiable depending upon your individual circumstances and the particular sub-adviser
or program selected. Typically, our fee will range between 0.15% and 1.25%. However, the
total combined fees paid to us and to the sub-adviser will not exceed 2.0% of the assets
under management. The advisory fee you pay to the sub-adviser is established and
payable in accordance with the brochure provided by each relevant sub-adviser. These
fees may or may not be negotiable. You should carefully review the relevant sub-adviser’s
brochure and consider the sub-adviser’s fees, program fees, and our fees to determine
the total amount of fees you will pay.

Prior to the client entering into a management agreement with us and/or with a
sub-adviser, the advisory fees, including the portion of the fee that will be paid to Opulus,
will be fully disclosed. Sub-advisers charge separate fees in addition to our fee or we
share in the fee paid to the sub-adviser.

In some cases, our fee will be calculated by the sub-adviser based on the agreed upon
amount set forth in the agreement(s) you sign with us and/or the sub-adviser(s). All fees
paid to us and to the sub-adviser will be deducted from the designated account(s) by the
account custodian(s) as invoiced by us or the sub-adviser and as authorized by you in the
agreement(s) you sign with us and/or the sub-adviser(s).

In cases in which we calculate the fee we will either deduct our fee directly from your
account through the qualified custodian holding your funds or we will use a secure third
party payment processor when direct fee deduction is unavailable or when the client
wishes to pay outside of their managed account(s).
We will deduct our advisory fee from your managed account only when the following
requirements are met:

   ●​ You provide our firm with written authorization permitting the fees to be paid
      directly from your account held by the qualified custodian.
   ●​ The qualified custodian agrees to send you a statement, at least quarterly,
      indicating all amounts disbursed from your account including the amount of the
      advisory fee paid directly to our firm.

The statements you receive from the qualified custodian(s) holding your account(s) will
show the amount of advisory fees paid. You should carefully review account statements
for accuracy. If you have a question regarding your account statement, or if you did not
receive a statement from your custodian, please contact us directly at the telephone
number on the cover page of this brochure.

Unless the client has received our firm’s Disclosure Brochure at least 48 hours prior to
signing the investment advisory contract with our firm, the client may terminate the
advisory agreement within five business days of the date of execution without penalty.
After the five-day period, the agreement may be terminated by any of the parties to the
agreement by providing 30 days’ written notice to the other parties. Upon termination,
fees will be prorated and any unearned fees will be refunded to the client. Any fees
...

Item 7: Types of Clients
We generally offer investment advisory services to individuals and high net worth
individuals, pension plans and their participants, trusts, estates, charitable organizations,
corporations, and other business entities.

We do not require a minimum amount of assets to establish and maintain an advisory
relationship. However, accounts managed by sub-advisers may be subject to minimum
investment requirements. Please review the applicable Disclosure Brochures and client
agreements of the recommended sub-advisers for information on any minimum
requirements they may require.