Opus Financial Solutions LLC

ITEM 5 - FEES AND COMPENSATION

INVESTMENT MANAGEMENT FEES AND COMPENSATION
As mentioned in Item 4, Opus offers financial planning, tax, and advisory services to retail investors and
businesses under an Advisory Services Agreement.
Our Firm charges a fee (“Management Fee”) as compensation for providing investment advisory services on
your account. The Management Fee includes investment management supervision, trade entry, other account
maintenance and service activities, and may include financial planning and tax-related services. Clients who
meet the minimum quarterly Management Fee will be offered at no additional charge an initial financial plan,
which will be updated as client financial needs or circumstances change, on an as-needed basis.
The fees for investment management are an annual percentage of assets under management and based on the
quarter end value of the client’s account(s), with prorated adjustments for cash flows into or out of the account
during the quarter. Our maximum annual Investment Management Fee for accounts paying a percentage of
assets under management is 1.00%. Clients whose investment management fees, as calculated under the
applicable fee schedule, equal or exceed $2,500 in a given calendar quarter are eligible to receive Financial
Planning services and Tax Planning and Tax Return Preparation services, as described in Item 4, at no additional
charge. When a client elects to utilize a third-party tax preparation firm recommended by Opus, Opus may serve
as an intermediary for billing and coordination purposes only. Opus does not markup or otherwise receive
compensation from third-party tax preparation fees, and all such fees paid by clients are passed through directly
to the third party.
Clients whose quarterly investment management fees are below $2,500 may request Financial Planning
services, which may be provided at an hourly rate of $350 per hour, a fixed fee, or an annual retainer, in addition
to advisory fees, subject to Opus’s discretion to waive or modify such charges.
The specific Management Fees are set forth in the Advisory Services Agreement. Management Fees may vary
based on the size of the combined assets, complexity of the portfolio, extent of activity in the account or other
reasons agreed upon by us and you as the client. Management Fees are billed on the quarter end value of the
account, on a pro-rata basis, and billed quarterly in arrears on a three-month billing cycle. The initial
Management Fee will be billed in arrears and based upon the date the assets are transferred to our Custodian
through a three-month billing cycle. Additional deposits and withdrawals made throughout a billing cycle will
be added or subtracted from the assets on a prorated basis to adjust the Management Fee.
Opus may recommend an externally custodied annuity and charge fees in accordance with our Management
Fees schedule. In general, Opus will set up externally held annuities at the marginal Management Fee rate based
on aggregate assets under management including the annuity value. Opus will either use the carrier’s billing
process when it aligns with our own billing process, or manually calculate fees at the effective marginal rate and

submit invoices to each insurance carrier for billing where the carrier’s billing process does not align with our
own billing process.
Unless otherwise instructed by the client, we will aggregate asset amounts in accounts from your same
household together to determine the advisory fee for all your accounts. We would do this, for example, where
we also service accounts on behalf of your family, individual and joint accounts for a spouse, and/or other types
of related accounts. This consolidation practice is designed to allow you the benefit of an increased asset total,
which could cause your account(s) to be assessed a lower marginal advisory fee.
The independent qualified custodian holding your funds and securities will debit your account directly for the
advisory fee and pay that fee to us. You will provide advance written authorization permitting the fees to be
paid directly from your account held by the qualified custodian. Clients will have online access to both the
Custodian’s online platform as well as an Opus client portal that provides position, transaction detail, allocation,
and return information. Further, the qualified custodian agrees to deliver an account statement at least
quarterly directly to you indicating all of the positions and transactions, including the amounts deducted from
the account for our Management Fees. You are encouraged to review your custodian account statements for
accuracy. In certain circumstances, our selected custodian also charges transaction costs, custodial fees, and
administrative fees or commissions. See Additional Fees and Expenses below for additional details.
 As an added service, clients may request that we provide investment recommendations and due diligence
reviews for external assets. There generally are two options available to do so.
    1) Linking External accounts (Viewing Access Only). If desired and requested by a client, using the
       ByAllAccounts platform described above, Opus advisors will incorporate linked external accounts into
       our ongoing investment assessments and recommendations. These accounts will also be viewable
       within the Opus portal. While linked, as we will only have view access, clients are solely responsible for
       the implementation of any provided recommendations. If clients are unable to link external accounts
       but request Adviser to include them into our ongoing investment assessments and recommendations,
       the above noted fee applies. The fees for this service are 0.25% annually (minimum of $35 per quarter).
    2) External accounts (Aggregation only). This provides linking of external accounts for purposes of view
...

ITEM 7 - TYPES OF CLIENTS

We offer investment advisory and financial planning services as described above to individuals, families,
business owners, executives, trusts, corporations, and other entities. There is no minimum to establish an
account with our Firm.