R S Crum Inc

Item 5 – Fees and Compensation

Fees are negotiable and are discussed and agreed upon with clients prior to the beginning of services. The
following is RS Crum, Inc’s standard tiered fee schedule applied as a percentage of assets under
management (AUM).

                         Assets Under Management (AUM)             Annual Percentage
                                 Up to $1 Million                       1.0%
                           From $1 Million to $5 Million                0.75%
                          From $5 Million to $10 Million                0.50%
                             Greater than $10 Million                   0.25%

This schedule may be discounted depending on several factors, including but not limited to, the scope and
complexity of the services provided, the total value of assets managed, the number of accounts and/or the
individual needs of the client. Discounts may take the form of a lower starting annual percentage and/or
amended AUM break points. Effective AUM rates (the rate paid on your total AUM) range from 0.4% –
1.00% of assets under management (AUM) annually. Accounts may also be subject to a minimum
quarterly fee.

For some legacy clients, RS Crum, Inc. has applied either a fixed or flat fee (retainer) or a different
Annual Percentage of AUM schedule than described above. These fee schedules are documented in the

RS Crum, Inc. Brochure                                                                   Revised March 17, 2026

                              RS Crum, Inc. Form ADV Part 2A Brochure

respective clients’ written Advisory Agreement and may still be in effect for these clients.

The specific manner and frequency fees are charged is established in a client’s written Advisory
Agreement. The Firm will generally bill fees quarterly, in advance, based on the market value of assets in
the account on the last business day of the previous quarter. The Firm has used a monthly billing
frequency in the past and some legacy clients remain on that cycle. Each client’s specific fee schedule is
documented in the written Advisory Agreement.

For the majority of clients, RS Crum, Inc. accepts the authority to bill (debit) client account(s) directly for
fees. Clients receive an informational invoice prior to fees being debited. Normally, fees are withdrawn
within ten (10) business days after the invoice date. The account custodian withdraws advisory fees from
the client’s account based on our instruction, as outlined in our Advisory Agreement. All clients will
receive brokerage statements from the custodian no less frequently than quarterly that will show the
deduction of the advisory fee.

RS Crum, Inc. will send an invoice to all clients who choose not to have advisory fees withdrawn directly
from their custodian account and clients can pay management fees by check. The invoice is payable upon
receipt and will include the fee calculation and amount due.

Some employees are compensated through an annual salary with bonuses. For some employees, a bonus
is based on the amount of a client’s first year fee. This creates an incentive to charge a higher fee and/or
manage more of a client’s assets.

RS Crum, Inc.’s fees are exclusive of brokerage commissions, transaction fees, and other related costs
and expenses, which shall be incurred by the client. Clients may incur certain charges imposed by
custodians, brokers, third party investment providers and other parties such as fees charged by managers,
custodial fees, deferred sales charges, odd-lot differentials, transfer taxes, wire transfer and electronic
fund fees, and other fees and taxes on brokerage accounts and securities transactions. Mutual funds and
exchange traded funds also charge internal management fees, which are disclosed in a fund’s prospectus.

Such charges, fees, and commissions are exclusive of and in addition to RS Crum, Inc.’s fee. RS Crum,
Inc. does not receive any portion of these commissions, fees, and costs.

Later in this brochure, Item 12 – Brokerage Practices further describes the factors that RS Crum, Inc.
considers in selecting or recommending broker-dealers for client transactions and determining the
reasonableness of their compensation (e.g., commissions).

Cancellation of Services (Limited Duration or Continuous)

Services can be cancelled by either party at any time without penalty by written notice. Clients shall be
charged pro rata for services provided through the date of termination. If the client made an advance

RS Crum, Inc. Brochure                                                                  Revised March 17, 2026

                             RS Crum, Inc. Form ADV Part 2A Brochure

payment, RS Crum, Inc. will refund any unearned portion of the advanced payment.

Item 7 – Types of Clients

RS Crum, Inc. typically provides services to high income and high net worth individuals, trusts, estates,
or charitable organizations. In addition, we provide services to businesses such as corporations, LLCs,
sole proprietorships or pension and retirement plans.

Other than RS Crum, Inc.’s minimum fee, no account requirement is maintained for portfolio
management services (See Item 5 Fees and Compensation).