This section of our Brochure provides information about Verus Capital Partners, LLC (“Verus,” “firm,” “us,” and “we”) and the investment advisory services we offer. We are a fee-based investment management firm located in Scottsdale, Arizona, specializing in proactive investment advisory services. The firm was established in 2009 and is wholly owned by One SZ, LLC. We are committed to helping you build, manage, and preserve your wealth, and to provide assistance to clients to help achieve their stated financial goals. Through our investment advisor representatives (“IAR”), we assess your level of risk tolerance, investment time horizon, and investment objectives and tailor a personalized investment portfolio to fit your specialized needs. Some IARs offer an initial complimentary meeting; however, investment advisory services are initiated only after you and Verus execute an engagement letter or client agreement. Financial Planning Services Our specific financial planning services vary somewhat depending on the IAR providing the services to you. Your specific services will be detailed in a written financial planning services agreement. Financial planning services generally include the analysis of your situation and assistance in identifying and implementing appropriate financial planning and investment management techniques to help you meet your specific financial objectives. Such services may include a written financial analysis and specific or general investment and/or planning recommendations. In preparing your financial plan, we may address any or all of the six areas of financial planning established by the National Endowment for Financial Education and endorsed by the Certified Financial Planner Board of Standards, depending on your specific needs. These include: financial position, protection planning, investment planning, income tax planning, retirement planning, and estate planning. Our specific services in preparing your plan may include:  Determination of appropriate income planning strategies for both pre- and post- retirement timeframes;  Review of existing and proposed investment asset mixes to help you meet your overall financial objectives. This would include a review of risk/return issues and a suggested plan of action consistent with your risk tolerance and overall financial objectives;  Calculation of your pre-retirement savings and investing needs;  Assessment of your overall financial position including net worth, cash flow, and debt;  Comprehensive analysis of IRA-related issues including rollover, distribution, and inheritance planning options;  Evaluation of strategies designed to maximize the utilization and protection of your IRA assets;  Estimates of your federal estate taxes and a suggested plan of action to help meet estate planning objectives;  Review and determination of your life and disability insurance needs;  Suggestions for minimizing your federal and state income tax obligations;  Development of investment strategies consistent with your business ownership succession and transition planning;  Presentation of public or private educational seminars related to any or all of the topics outlined in the preceding items. Consulting Services We also provide clients investment advice on topics that may include insurance, tax and budgetary planning, estate planning and business planning. When both investment management or plan implementation and financial planning services are offered, there is a conflict of interest since there is an incentive for us to recommend products or services for which we or our IARs) may receive compensation as an investment manager. However, as a financial planning client, you are under no obligation to act upon any of our recommendations or to effect the transaction(s) through us if you decide to follow the recommendations. You have sole discretion whether to implement any or all of the IARs’ recommendations and are free to select any broker/dealer you wish to implement recommendations. Ongoing Consultations You may contract with Verus for ongoing consultation services on any topic(s) of interest. When contracting for ongoing services, you will receive 12 months of ongoing consultations, which will be renewed automatically each year on the anniversary date of the signing of the original agreement, unless terminated by either party. If the services or the fees charged change at the anniversary date, a new client agreement is required. 401(k) Pension Consulting Services 401(k) Pension Consulting consists of advising employers and plan sponsors in establishing, monitoring and reviewing their company’s participant-directed retirement plan. As the needs of the plan sponsor dictate, areas of advising could include: investment options, plan structure and participant education. All 401(k) planning services shall be in compliance with any applicable State law(s) regulating the services provided by this Agreement. This section applies to an account that is a pension or other employee benefit plan governed by the Employee Retirement Income Security Act of 1974 (ERISA) and/or the Pension Protection Act of 2006. If the account is part of a plan and we accept appointment to provide services to the pension, we acknowledge that we are a fiduciary within the meaning of Section 3(21) of ERISA (but only with respect to the provision of services to describe in section 1 of the agreement). You represent that (i) Our appointment and services are consistent with the plan documents, (ii) You have furnished us with true and complete copies of all documents establishing and governing the plan and evidencing your authority to retain us as an advisor. You further represent that you will promptly furnish us with any amendments to the plan and agree that, if any amendment affects our rights or obligations, such amendment will be binding on us only with our prior written consent. If the account contains only a part of the assets of the plan, you understand that we will not accept responsibilities for the diversification of all the plan’s investments, and we will have no duty, responsibility or liability for the assets that are not in the account. If ERISA or other applicable law requires bonding with respect to the assets in the account, you will obtain and maintain at your expense bonding that satisfies this requirement and covers us and any of our affiliates. Asset Management We provide discretionary asset management services, including giving investment advice to you based on your individual needs. We typically recommend one of four different broker-dealer/custodial platforms (“custodian” or “platform”) to provide flexibility

and the ability to offer options for pricing and investment selection. When you open an account with one of the custodians we recommend, you will make the decision to open the account and we will assist you in establishing the account. We generally require a minimum of $250,000 to open an account, although we will grant exceptions to this minimum at the discretion of your IAR. You may place reasonable restrictions on transactions in certain types of securities or industries; any such restrictions must be in writing and accepted by your IAR. LPL’s Strategic Wealth Management (SWM) Platform We provide discretionary portfolio management through LPL’s SWM platform for clients who choose LPL as their custodian. The default SWM account is structured so that clients pay their own transaction charges in their account. There is an option for Verus to pay the purchase and sale transaction fees of certain securities on behalf of our client in a SWM account. When Verus pays transactions costs for clients, we pay fees to LPL on either a transaction basis or a flat asset-based fee. When clients do not directly pay for transaction charges in a SWM account, Verus directly, and its IARs indirectly, pay those transaction costs to LPL. When the charges are transaction-based, the transaction charges we pay vary based on the type of transaction (e.g., mutual fund, equity or ETF) and for mutual funds based on whether or not the mutual fund pays 12b-1 fees and/or recordkeeping fees to LPL. This creates an incentive for us to consider which securities to select and how frequently to place transactions in a SWM account and this presents a conflict of interest for us. Transaction charges paid by the Advisor for equities and ETFs are currently $9. For mutual funds, the transaction charges range from $0 to $26.50; no-transaction-fee mutual funds generally have a higher expense ratio, which the client absorbs through the funds pricing. When Verus pays the transaction charges in a SWM account, there is a conflict of interest in cases where the mutual fund is offered at both $0 and $26.50 because we have a monetary incentive to choose the lower fee option, but this may result in higher ongoing fund costs to the client. As fiduciaries for our clients, we understand that ultimately, we must always make our decision based on the benefit to the client, not the benefit to us, but we want you to be aware that this conflict exists. In many instances, LPL makes available mutual funds in a SWM account that offer various classes of shares, including shares designated as Class A Shares and shares designed for advisory programs, which can be titled, for example, as “Class I,” “institutional,” “investor,” “retail,” “service,” “administrative” or “platform” share classes (“Platform Shares”). The Platform Share class offered for a particular mutual fund in a SWM account may not be the least expensive share class that the mutual fund makes available, and was selected by LPL in certain cases because the share class pays LPL compensation for the administrative and recordkeeping services LPL provides to the mutual fund. Client should understand that another financial services firm may offer the same mutual fund at a lower overall cost to the investor than is available through SWM accounts. In other instances, a mutual fund may offer only Class A Shares, but another similar mutual fund may be available that offers Platform Shares. Class A Shares typically pay LPL a 12b-1 fee for providing shareholder services, distribution, and marketing expenses (“brokerage-related services”) to the mutual funds. Platform Shares generally are not subject to 12b-1 fees. As a result of the different expenses of the mutual fund share classes, it is generally more expensive for a client to own Class A Shares than Platform Shares. An investor in Platform Shares will pay lower fees over time and keep more of his or her investment returns than an investor who holds Class A Shares of the same fund. Verus has a financial incentive to recommend Class A Shares in cases where both Class A and Platform Shares are available. This is a conflict of interest which might incline Verus, consciously or unconsciously, to render advice that is not disinterested. Although the client will not be charged a transaction charge for transactions, Advisor pays LPL a per transaction charge for mutual fund purchases and sales in the account. Verus generally does not pay transaction charges for Class A Share mutual fund transactions accounts, but generally does pay transaction charges for Platform Share mutual fund transactions. The cost to Verus of transaction charges generally may be a factor that the Advisor considers when deciding which securities to select and whether or not to place transactions in the account. The lack of transaction charges to Verus for Class A Share purchases and sales, together with the fact that Platform Shares generally are less expensive for a client to own, presents a significant conflict of interest between Verus and the client. In short, it costs Verus less to recommend and select Class A share mutual funds than Platform shares, but Platform shares will generally outperform Class A mutual fund shares on the basis of internal cost structure alone. Clients should understand this conflict and consider the additional indirect expenses borne as a result of the mutual fund fees when negotiating and discussing with your Advisor the advisory fee for management of an account. Wrap Fee Accounts We recommend two options to our clients. Clients may either open a non-wrap fee account on one of the custodial platforms we recommend, or they can open a wrap-fee account on one of the custodial platforms we recommend and use the services of one or more third- party investment managers. In a non-wrap account, all account activity and transaction fees are incurred by and charged to the client account directly. A non-wrap fee may be more suitable for smaller accounts and other accounts likely to have fewer transactions and less custodial activity, and less likely to use a third-party manager. A non-wrap fee account may cost less than a wrap fee account, depending on the account activity and various charged incurred. In a wrap fee account, clients don’t pay individual transaction and account activity charges. Instead, wrap fee accounts are charged a single fee that includes the costs for brokerage fees, custodial fees, third-party manager fees, and Verus’ investment advisory fee. That single fee is then allocated among the different service providers. Clients may incur additional costs which are not included in the wrap fee, which will be disclosed if applicable. A wrap fee is likely to cost you more money than a non-wrap fee because it takes different provider costs into account.