Osaic Institutions Inc

Item 5 - Fees and compensation
Customized advisory services
Services fees for customized advisory services are typically based on the value of assets under management and will vary
by engagement. The maximum advisory fee is generally 2.50%, the advisory fee is negotiable between the IAR and the
client and is payable either in advance or in arrears as described in the client agreement. Client may pay a monthly or
quarterly account fee, in advance or arrears, based upon the market value of the assets held in your account as of the last
business day of the billing period. Or, the fee may also be based on the average daily balance of the account for the billing
period. The amount, frequency, and methodology of the fee will be set out in the client agreement executed by the client at
the time the relationship is established. Fees are generally directly deducted from the client accounts.
A custom program account may be terminated according to the client agreement. If the client agreement provides for
payment in advance, the agreement will state how the client can obtain a refund of any prepaid fee if the agreement is
terminated before the end of the billing period.
 In certain cases, Osaic Institutions serves as the broker-dealer on transactions in a customized advisory account. In such
 case, Osaic Institutions charges the client transaction charges in connection with trade execution through Osaic Institutions.
 The transaction charges will be clearly stated in the client agreement executed by the client at the time the relationship is
 established. If the custom advisory services apply to annuities for which the IAR receives trail compensation, such trail fees
 generally will be used to offset the advisory fee. In most cases, however, a third-party broker-dealer will provide trade
 execution. In such case, the broker-dealer charges clients commissions, markups, markdowns and/or transaction charges.
 For the services described above, Osaic Institutions and the IAR share in the advisory fees charged to the client.
 The portion of the advisory fee received by IAR may be more than what the IAR would receive at another investment
 adviser firm.
 There are other fees and charges imposed by third parties that apply to customized advisory service accounts. If assets are
 invested in mutual funds, ETFs or other pooled funds, there are two layers of advisory fees and expenses for those assets.
 The client will pay an advisory fee to the fund manager and other expenses as a shareholder of the fund. The client will also
 pay the Osaic Institutions advisory fee with respect to those assets. The mutual funds and ETFs available in the programs
 often may be purchased directly. Therefore, clients could avoid the second layer of fees by not using the advisory services
 of the Osaic Institutions and the IAR and by making their own decisions regarding the investment. A mutual fund in a
 customized advisory service account may pay an asset-based sales charge or service fee (e.g., 12b-1 fee) that is paid to
 the broker-dealer on the account. Osaic Institutions and the IARs generally are not paid these fees for customized advisory
 accounts.
 If a client transfers into a customized advisory account a previously purchased mutual fund and there is an applicable
 contingent deferred sales charge on the fund, the client will pay that charge when the mutual fund is sold. If the account is
 invested in a mutual fund that charges a fee if a redemption is made within a specific time period after the investment, the
 client will be charged a redemption fee. If a mutual fund has a frequent trading policy, the policy can limit a client’s
 transactions in shares of the fund (e.g., for rebalancing, liquidations, deposits or tax harvesting).
If a client holds a annuity that is managed as part of a customized advisory account, there are mortality, expense and
administrative charges, fees for additional riders on the contract and charges for excessive transfers within a calendar year
imposed by the annuity sponsor. If client holds a UIT in a program account, UIT sponsors charge creation and development
fees or similar fees. Further information regarding fees assessed by a mutual fund, annuity or UIT is available in the
appropriate prospectus, which clients may request from IAR.
Client should be aware that securities transferred into an account may have been subject to a commission or sales load
when the security was originally purchased. After transfer into an advisory account, client should understand that an
advisory fee will be charged based on the total assets in the account, including the transferred security. When transferring
securities into an account, client should consider and speak to IAR about whether:

   • a commission was previously paid on the security;
   • client wishes for the security to be managed as part of the account and be subject to an advisory fee; or
   • client wishes to hold the security in a brokerage account that is not managed and not subject to an advisory fee.

Form ADV Part 2A Brochure                                     12                                         © Osaic Institutions, Inc.

Financial planning and consulting services
The fees for Osaic Institutions’ financial planning services may be a fixed or variable amount based upon the issues to be
addressed by the IAR or may be based on an hourly charge. Hourly fees will generally range from $50 - $750 per hour, not
exceeding $25,000 annually depending on the nature and complexity of your circumstances. Hourly fees for the financial
planning or consulting services will be billed to you after the services are performed and are due upon receipt of the bill.
Fixed or flat fees for a financial planning and wealth consulting services generally range up to $25,000 but can exceed this
amount for certain high net worth individuals (defined by the Firm as those with a net worth over $10 million) and based on
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Item 7 - Types of clients and account
requirements
Osaic Institutions provides investment advisory services to individuals, including high-net-worth individuals, individual
retirement accounts, pension and profit-sharing plans, trusts, estates, and charitable organizations, and corporations and
other businesses not listed above.
 Osaic Institutions does not have a minimum account size for majority of our programs, however, the AMP and UMA program
 may set minimums of $10,000 and $5,500, respectively. In addition, TPAM(s) that the client engages may set their own
 minimum.

Form ADV Part 2A Brochure                                    20                                        © Osaic Institutions, Inc.