RCW Management LLC

Item 5: Fees and Compensation

Investment Management Fees
Clients enter into a Wealth Management Agreement (“WMA”) with River City Wealth
Management that outlines the services provided and fees paid to River City Wealth
Management. The fee for the initial analysis of the client’s current portfolio and the subsequent
recommendations that are delivered to you at the beginning of the relationship between you and
River City Wealth Management is $1,000. For ongoing management, which can include financial
planning, the client will pay an asset management fee based on the value of the client’s account,
including cash holdings. Clients are billed in advance on a quarterly basis based on the account value

on the last day of the prior quarter. Clients will be billed at the rate set forth in their agreement.
Fees typically range from 1.00% to 1.50% annually. Inflows and outflows during the quarter will be
prorated and charged for the number of days the funds were in the account during the quarter. For
the initial period of an engagement, the fee is calculated on a pro-rata basis. In the event the WMA
is terminated, the fee for the final billing period is prorated through the effective date of the
termination, and the outstanding or unearned portion of the fee is refunded to the c lient.

Financial Planning Fees
Clients enter into a Financial Planning Agreement with River City Wealth Management that
outlines the services provided and fees paid to River City Wealth Management. River City Wealth
Management charges an hourly fee that ranges from $250 to $500 per hour for financial planning
services. Financial planning services generally range from $500 to $10,000, depending on the
complexity, level, and scope of the services. Prior to engaging River City Wealth Management
to provide financial planning services, the client is required to enter into a written agreement with River
City Wealth Management setting forth the terms and conditions of the engagement. Payment is
generally due upon completion of the agreed-upon services.

Fee Discretion
River City Wealth Management, in its sole discretion, will negotiate to charge a lesser fee based upon
certain criteria such as rendered services, anticipated future earning capacity, anticipated future
additional assets, dollar amount of assets to be managed, related accounts, account composition,
pre-existing/legacy client relationship, and account retention. River City Wealth Management, at its
own discretion, can group certain related client accounts for the purposes of determining the fee.

Direct Fee Debit
Clients generally provide River City Wealth Management with the authority to directly debit their
accounts for payment of the investment advisory fees. River City Wealth Management will send a
notification to you that will reflect the amount of fees that will be debited from your account. The
financial institutions that act as the qualified custodian for client accounts, from which the Firm retains
the authority to directly deduct fees, have agreed to send statements to clients not less than quarterly
detailing all account transactions, including any amounts paid to River City Wealth Management.

Additional Fees and Expenses
In addition to the advisory fees paid to River City Wealth Management, clients also incur certain charges
imposed by other third parties, such as broker-dealers, custodians, trust companies, banks, and
other financial institutions (collectively "Financial Institutions"). These additional charges include
but aren’t limited to, securities brokerage commissions, transaction fees, redemption fees,
short-term transaction fees, custodial fees, and/or charges imposed directly by a mutual fund or
ETF in a client's account, as disclosed in the fund's prospectus (e.g., fund management fees and
other fund expenses), deferred sales charges, wire transfer and electronic fund fees, and other fees
and taxes on brokerage accounts and securities transactions. The Firm's brokerage practices are
described at length in Item 12, below.

Item 7: Types of Clients

As noted in Item 4, River City Wealth Management provides wealth management services to individuals,
professionals, business owners, retirement plans, and businesses. There are no minimum account
values for the River City Wealth Management advisory program accounts.