Salus Financial Advisors LLC

Item 5 – Fees and Compensation
The following paragraphs detail the fee structure and compensation methodology for services provided by the
Advisor. Each Client engaging the Advisor for services described herein shall be required to enter into one or more
written agreements with the Advisor.

                                               Salus Financial Advisors, LLC
                                                  Colorado Springs, CO 80921
                                Mailing Address: 4600 South Syracuse Street, Denver CO 80237
                                   Phone: (612) 747-9420 | www.salusfinancialadvisors.com

A. Fees for Advisory Services
Wealth Management Services
Wealth management fees are paid quarterly, in advance of each calendar quarter, pursuant to the terms of the
investment advisory agreement. Wealth management fees are based the closing market value of the account[s] at
the end of the prior calendar quarter. Investments into Private Funds are based on the initial invested capital amount.
The Advisor will recalculate the billable value upon any additional deposits into existing Private Funds. Adjustments
will be reflected in the investment advisor fee calculations for the next quarterly billing period.

Wealth management fees range from 0.50% to 1.25% annually based on several factors, including: the complexity
of the services to be provided, the level of assets to be managed, reporting requirements, and the overall relationship
with the Advisor. Relationships with multiple objectives, specific reporting requirements, portfolio restrictions and other
complexities may be charged a higher fee.

The wealth management fee in the first quarter of service is prorated from the inception date of the account[s] to the
end of the first quarter. Fees may be negotiable at the sole discretion of the Advisor. The Client’s fees will take into
consideration the aggregate assets under management with Advisor. All securities held in accounts managed by SFA
will be independently valued by the Custodian. SFA will conduct periodic reviews of the Custodian’s valuations to
ensure accurate billing.

The Client may make additions or withdrawals from the account[s] at any time, subject to the Advisor’s right to
terminate an account or the overall relationship. Additions may be in cash or securities provided that the Advisor
reserves the right to liquidate any transferred securities or decline to accept particular securities into a Client’s
account[s]. Clients may withdraw account assets on notice to SFA, subject to the usual and customary securities
settlement procedures. However, withdrawals from the Client's account[s] may impede the Advisor's ability to
implement the investment strategy designed for the Client. Clients are advised that when such securities are
liquidated, they may be subject to securities transaction fees, short-term redemption fees, and/or tax ramifications.

The Advisor’s fee is exclusive of, and in addition to any applicable securities transaction and custody fees, and other
related costs and expenses described in Item 5.C below, which may be incurred by the Client. However, the Advisor
shall not receive any portion of these commissions, fees, and costs.

Use of Independent Managers
As noted in Item 4, the Advisor will implement all or a portion of a Client’s investment portfolio utilizing one or more
Independent Managers. To eliminate any conflict of interest, the Advisor does not earn any compensation from an
Independent Manager. The Advisor will only earn its wealth management fee as described above. Independent
Managers typically do not offer any fee discounts but may have a breakpoint schedule which will reduce the fee with
an increased level of assets placed under management with an Independent Manager. The terms of such fee
arrangements are included in the Independent Manager’s disclosure brochure and applicable agreement with the
Independent Manager. The total blended fee, including the Advisor’s fee and the Independent Manager’s fee, will not
exceed 1.50% annually.

Financial Planning Services
SFA may include financial planning services as part of the overall wealth management fee or as a stand-alone
service. SFA offers financial planning services either on a fixed project fee or an ongoing annual retainer. Fixed
fee engagements typically range from $2,500 to $5,000. Ongoing financial planning engagements may be offered at
a fixed annual fee ranging from $1,800 to $6,000 billed monthly. Fees may be negotiable based on the nature and
complexity of the services to be provided, the experience of the Advisory Person delivering the services, and the
overall relationship with the Advisor. An estimate for total hours and/or costs will be provided prior to establishing the
advisory relationship.

Third-Party Access Platforms
For assets managed through a third-party platform, the Client is not charged any additional platform fees. The
Advisor bears the cost of the platform in order to service these Client assets. Advisory fees apply to assets
accessed and managed through the platform as part of the Client’s assets under management, as disclosed above.
                                                Salus Financial Advisors, LLC
                                                   Colorado Springs, CO 80921
                                 Mailing Address: 4600 South Syracuse Street, Denver CO 80237
                                    Phone: (612) 747-9420 | www.salusfinancialadvisors.com

Retirement Plan Advisory Services
Fees for retirement plan advisory services are either charged an asset-based fee that is typically billed at an annual
rate up to 0.75% or a fixed annual fee. Retirement plan advisory fees are billed quarterly in advance pursuant to the
terms of the retirement plan advisory agreement. Fees are negotiable depending on the size and complexity of the
...

Item 7 – Types of Clients
SFA offers investment advisory services to individuals, high net worth individuals, families, trusts, estates,
charitable organizations, businesses and retirement plans. SFA generally does not impose a minimum size for
establishing a relationship. However, certain investment strategies and/or Independent Managers may have a
minimum to effectively implement a strategy.