Opulen Financial Group, LLC

Opulen Financial Group, LLC was founded in June 2009 and began offering investment advisory services in 2014. The firm specializes in asset management, offering discretionary and non-discretionary services tailored to individual client goals, risk tolerance, and investment objectives. They also provide financial planning and consulting services on an hourly fee basis, covering various financial aspects like cash flow planning, investment planning, retirement planning, and estate wealth transfer strategies. The firm's fee structure for asset management is based on a percentage of assets under management, ranging from 0.75% to 1.75%, depending on the total assets. They may also manage accounts for family and friends without charge and offer reduced fees for combined accounts within the same household. Opulen Financial Group does not charge performance-based fees and does not receive external compensation for the sale of securities to clients. Thomas J. Cymer, the managing member, holds multiple professional certifications, including CFA, CFP®, CRPC, and CMT. He also operates an insurance agency, which represents a potential conflict of interest, but clients are not obligated to purchase insurance products through him. Mr. Cymer spends approximately 10% of his time on this insurance practice. The firm does not have any disciplinary information, and Mr. Cymer is solely responsible for the supervision and formulation of investment advice provided to clients.