commissions, referral fees or “kickbacks” of any kind. We also do not compensate any non-Page 7 of 24 employee for client referrals, nor do we receive compensation for referrals of our clients to other professionals such as attorneys, accountants, insurance agents and estate planners. Our fee schedule is segmented in three ways: 1) an hourly consulting fee of $250/hour; 2) a minimum annual retainer; or 3) a fee based on the percentage of assets managed and services desired. Fees based on a percentage of assets managed are deducted quarterly from client accounts directly by our custodian, and we will provide you with an invoice outlining the calculation of such fees at or before the time fees are deducted. Those fees will also be noted on the clients’ monthly statements from the custodian. All clients are required to provide Opus and our custodian with advance written authorization to automatically deduct such fees. In the event a client chooses not to provide such authorization, alternate means of paying fees (such as by check in arrears after invoicing) can be negotiated. We may impose a minimum of $500,000 to open and maintain a managed account, and we may waive this account minimum at our sole discretion. We may also combine the account values of family members to meet the minimum account size. A chart of this segmented, standard fee schedule is included below. Fees for certain friends and family accounts are negotiable at the advisor’s sole discretion. Comprehensive Financial Planning, Tax Planning and Investment Management All Services - Unlimited Investment Management Only Assets under Management Annual Percentage Fee Annual Percentage Fee
Page 16 of 24 Brochure Supplements
