AUA Private Wealth Advisors LLC

Fees and Compensation - Item 5

 Wealth Management Services Fees
 AUA Private Wealth charges an annual management fee of up to 1.50% of assets under management. The fee is
 negotiable and the exact fee paid by the client will be stated in the agreement signed by the client and us. The
 fee is deducted from the client's account held at the custodian. The client authorizes AUA Private Wealth to debit
 the fee from the client’s account. If requested by the client, we may also invoice the client directly for the payment
 of fees in lieu of a direct deduction from the client’s account. Fees are payable monthly, or quarterly in arrears,

AUA Private Wealth Advisors, LLC
Form ADV Part 2 Brochure

 based upon the market value of the Assets on the last day of the previous quarter. Fees will be assessed pro rata
 in the event the agreement is executed at any time other than the first day of a billing period. Fees will be adjusted
 for any deposits or withdrawals during the quarter. We may deduct the fee from a single, client-designated
 account to facilitate billing. Other fee payment arrangements can be negotiated on a case-by-case basis. These
 arrangements will be listed in the advisory agreement signed by the firm and the client.

 The client may terminate the agreement upon 30-days' written notice to our firm. The client will incur a pro rata
 charge for services rendered prior to the termination of the agreement, which means you will incur advisory fees
 only in proportion to the number of days in the pay period for which you are a client.

 As paying agent for our firm, your custodian will deduct the investment advisory fee directly from your account.
 The fee is deducted only when you have given us written authorization permitting the fees to be paid directly
 from your account. If insufficient cash is available to pay such fees, securities in an amount equal to the balance
 of unpaid fees will be liquidated to pay for the unpaid balance. Further, the qualified custodian will deliver an
 account statement to you at least quarterly. These account statements will show all disbursements from your
 account. We encourage you to review the statement(s) you receive from the qualified custodian for accuracy. If
 you have questions about your statements, or if you did not receive a statement from the qualified custodian,
 please call our office number located on the cover page of this brochure.

 Sub-Advisory Services Fees (Fees payable to us when we act as a sub-advisor for the primary adviser)
 In cases where we have been engaged to provide sub-advisory services to clients of the primary adviser, we will
 invoice the primary adviser directly for the payment of our fees. These fees are negotiated on a case-by-case
 basis, and may consist of fixed fees, fees based on a percentage of assets under management, or a combination
 of fees. For example, we provide sub-advisory services to clients of MPB Wealth Management, LLC, and we have
 negotiated a fixed fee of $5,000 per month on the first $55 million in assets managed for clients of MPB Wealth
 Management, LLC, and a fee of 0.50% on assets under management in excess of $55 million. All advisory fees will
 be pro-rated for partial billing periods based on the number of days services were provided by us and the primary
 advisor. Market value will include the value of all cash balances held in the account(s). Account valuation will be
 determined by the Custodian.

 IRA Rollover Considerations
 As a normal extension of financial advice, we provide education or recommendations related to the rollover of an
 employer-sponsored retirement plan. A plan participant leaving employment has several options. Each choice
 offers advantages and disadvantages, depending on desired investment options and services, fees and expenses,
 withdrawal options, required minimum distributions, tax treatment, and the investor's unique financial needs and
 retirement plans. The complexity of these choices may lead an investor to seek assistance from us.

 An Associated Person who recommends an investor roll over plan assets into an Individual Retirement Account
 (“IRA”) may earn an asset-based fee as a result, but no compensation if assets are retained in the plan. Thus, we
 have an economic incentive to encourage an investor to roll plan assets into an IRA. In most cases, fees and
 expenses will increase to the investor as a result because the above-described fees will apply to assets rolled over
 to an IRA and outlined ongoing services will be extended to these assets.

 We are fiduciaries under the Investment Advisers Act of 1940 and when we provide investment advice to you
 regarding your retirement plan account or individual retirement account, we are also fiduciaries within the
 meaning of Title I of the Employee Retirement Income Security Act and/or the Internal Revenue Code, as
 applicable, which are laws governing retirement accounts. We have to act in your best interests and not put our
 interest ahead of yours. At the same time, the way we make money creates some conflicts with your interests.

 Additional Fees and Expenses
 All fees paid to AUA Private Wealth for investment advisory services are separate and distinct from the fees and
 expenses charged to shareholders by investment companies, such as unit investment trusts, mutual funds, or

AUA Private Wealth Advisors, LLC
Form ADV Part 2 Brochure

 exchange traded funds. These fees and expenses are described in each fund's prospectus. These fees generally
 include a management fee, other fund expenses, and a possible distribution fee. If the fund also imposes sales
 charges, you may pay an initial or deferred sales charge. Clients should also note that money market accounts
 offered by the qualified custodian are subject to internal expenses that are charged to shareholders.

 You could invest in investment companies directly, without the services of AUA Private Wealth. In which case,
...

Types of Clients - Item 7

 We generally offer investment advisory services to individuals, trusts, estates, corporations, and other business
 entities. We do not require a minimum amount of assets to establish an investment advisory relationship.

                       Methods of Analysis, Investment Strategies and Risk of Loss - Item 8

 We may use one or more of the following methods of analysis and/or investment strategies when providing
 investment advice to you:

 Fundamental Analysis – Fundamental analysis involves analyzing individual companies and their industry groups,
 such as a company’s financial statements, details regarding the company’s product line, the experience and
 expertise of the company’s management, and the outlook for the company’s industry. The resulting data is used
 to measure the true value of the company’s stock compared to the current market value. The primary risk of
 fundamental analysis is that information obtained may be incorrect and the analysis may not provide an accurate

AUA Private Wealth Advisors, LLC
Form ADV Part 2 Brochure

 estimate of earnings, which may be the basis for a stock’s value. If securities prices adjust rapidly to new
 information, utilizing fundamental analysis may not result in favorable performance.

 Technical Analysis – Technical analysis is a technique that relies on the assumption that current market data (such
 as charts of price, volume, and open interest) can help predict future market trends, at least in the short term. It
 assumes that market psychology influences trading and can predict when stocks will rise or fall. Technical trading
 models are mathematically driven based upon historical data and trends of domestic and foreign market trading
 activity, including various industry and sector trading statistics within such markets. Technical trading models,
 through mathematical algorithms, attempt to identify when markets are likely to increase or decrease and identify
 appropriate entry and exit points. The primary risk of technical trading models is that historical trends and past
 performance cannot predict future trends, and there is no assurance that the mathematical algorithms employed
 are designed properly, updated with new data, and can accurately predict future market, industry, and sector
 performance.

 Cyclical Analysis – Cyclical analysis is similar to technical analysis in that it involves the analysis of market
 conditions at a macro (entire market/economy) or micro (company specific) level, rather than the overall
 fundamental analysis of the health of the particular company. The primary risks with cyclical analysis are similar
 to those of technical analysis.

 We may use one or more of the following investment strategies when advising you on investments:

 Long Term Purchases – securities purchased with the expectation that the value of those securities will grow over
 a relatively long period, generally greater than one year. Using a long-term purchase strategy generally assumes
 the financial markets will go up in the long-term which may not be the case. There is also the risk that the segment
 of the market that you are invested in or perhaps just your particular investment will go down over time even if
 the overall financial markets advance. Purchasing investments long-term may create an opportunity cost -
 "locking-up" assets that may be better utilized in the short-term in other investments.

 Short Term Purchases – securities purchased with the expectation that they will be sold within a relatively short
 period of time, generally less than one year, to take advantage of the securities' short-term price fluctuations.
 Using a short-term purchase strategy generally assumes that we can predict how financial markets will perform
 in the short-term which may be very difficult and will incur a disproportionately higher amount of transaction
 costs compared to long-term trading. Many factors can affect financial market performance in the short-term
 (such as short-term interest rate changes, cyclical earnings announcements, etc.) but may have a smaller impact
 over longer periods.

 Option Writing – an option is the right either to buy or sell a specified amount or value of a particular underlying
 investment instrument at a fixed price (i.e. the “exercise price”) by exercising the option before its specified
 expiration date. Options giving you the right to buy are called “call” options. Options giving you the right to sell
 are called “put” options. When trading options on behalf of a client, we generally use covered options. Covered
 options involve options trading when you own the underlying instrument on which the option is based.
 Investments in options contracts have the risk of losing value in a relatively short period. Option contracts are
 leveraged instruments that allow the holder of a single contract to control many shares of an underlying stock.
 This leverage can compound gains or losses.

 Trading – securities are sold within 30 days. The principal type of risk associated with trading is market risk. There
 can be no assurance that a specific investment will achieve its investment objectives and past performance should
 not be seen as a guide to future returns. The value of investments and the income derived may fall as well as rise
 and investors may not recoup the original amount invested. Other factors, such as changes in exchange control
 regulation, tax laws, withholding taxes, international, political and economic developments, and government,
 economic or monetary policies, may affect investments as well. Additionally, trading is speculative. Market
 movements are difficult to predict and are influenced by, among other things, government trade, fiscal, monetary

AUA Private Wealth Advisors, LLC
Form ADV Part 2 Brochure

 and exchange control programs and policies; changing supply and demand relationships; national and
...