Veratis Advisors, Inc.

Veratis Advisors, Inc. is an independent, fee-only advisory firm established in 2001, offering services to corporate retirement plan clients and personal clients. For retirement plan clients, services are non-discretionary, with the ultimate decision to act remaining with the plan sponsor. Discretionary portfolio management services are available for personal clients, requiring clients to grant Veratis discretionary authority. The firm primarily advises on publicly traded mutual funds, ETFs, and cash equivalent instruments. Fees for retirement plan clients range from $18,000 to $125,000 annually or 0.25% to 0.90% of assets under management. Personal clients are charged up to 1.00% of assets under management annually. Financial planning services are included in the total portfolio management fee, with additional hourly fees for specific services. Veratis does not receive compensation for client referrals and does not engage in performance-based fees or side-by-side management. The firm does not have custody of client funds and does not accept discretionary authority for voting client securities. Clients are responsible for exercising their voting rights. Veratis has not been involved in any legal or disciplinary events and does not have financial conditions that would prevent meeting contractual commitments. The firm prioritizes client privacy and maintains policies to protect personal information. In case of trade errors, the firm aims to restore accounts to their correct positions. Veratis does not handle class action lawsuits on behalf of clients.