RIA Wealth Advisors LLC

Item 5 - Fees and Compensation
Investment Management
Adviser bases its fees on a percentage of assets under management. Although the Advisory Service
Agreement is an ongoing agreement and constant adjustments are required, the length of service
to the client is at the client’s discretion. The client or the investment manager may terminate an
Agreement by written notice to the other party. Fees are collected in advance therefore at
termination any unearned fees as determined on a pro rata basis for the portion of the quarter
completed shall be refunded to the client. The investment management fees are negotiable at the
sole discretion of Adviser and fees for comparable services may be available from other sources.

                                   Annualized Investment Management Fees
                  Account Value From          Account Value To         Annual Percentage Fee
                 $0                         $500,000                   1.50%
                 $500,001                   $1,000,000                 1.35%
                 $1,000,001                 $2,000,000                 1.25%
                 $2,000,001                 And above                  1.10%

The Variable Annuity Management Program is charged as a percentage of assets under
management. The management fee for this program has a maximum charge of 1.50% annually.

Selection of Other Advisers Fees

Adviser may direct clients to third-party investment advisers. Adviser will be compensated via a
fee share from the advisers to which it directs those clients. The fees shared are negotiable and will
not exceed any limit imposed by any regulatory agency. The notice of termination requirement
and payment of fees for third-party investment advisers will depend on the specific third-party
adviser selected. Fees for selection of third-party advisers are included within the Adviser’s
investment management fee and are withdrawn directly from client’s accounts.

Fee Billing
Investment management fees are billed quarterly, in advance, meaning that we invoice you before
the three-month billing period has begun. Payment in full is expected upon invoice presentation.
Fees are deducted from the client account to facilitate billing as authorized by the investment
management agreement.

Other Fees
The client will incur fees from brokerages, custodians, administrators, and other service providers.
These fees are incurred as a result of managing a client account and are charged by the service
provider. The amount and nature of these fees is based on the service provider’s fee schedule(s) at
the provider’s sole discretion. These fees are separate and distinct from any fees charged by
Adviser.
Adviser’s services are charged on a fee only basis and no associated persons shall earn
compensation based on a securities transaction (i.e. commission) including asset-based sales
charges or service fees from the sale of mutual funds. Adviser may include mutual funds, variable
annuity products, ETFs, and other managed products or partnerships in clients’ portfolios. Clients
may be charged for the services by the providers/managers of these products in addition to the
management fee paid to Adviser. The fees and expenses charged by the product providers are
separate and distinct from the management fee charged by Adviser. These fees and expenses are
described in each mutual fund’s or underlying annuity fund’s prospectus or in the offering
memorandums of a partnership. These fees will generally include a management fee, other fund
expenses and a possible distribution fee. No-load or load waived mutual funds may be used in
client portfolios so there would be no initial or deferred sales charges; however, if a fund that
imposes sales charges is selected, a client may pay an initial or deferred sales charge. A client
could invest in a mutual fund or variable annuity or investment partnership directly, without the
services of Adviser. Accordingly, the client should review both the fees charged by the funds and
the applicable program fee charged by the Advisor to fully understand the total amount of fees to
be paid by the client and to thereby evaluate the advisory services being provided.
If it is determined that a client portfolio shall contain corporate debt or other types of over the
counter securities, the client may pay a mark-up or mark-down or a “spread” to the broker or dealer
on the other side of the transaction that is built into the purchase price of the security.
Adviser is a fee-based investment management and financial planning firm. The Firm does not sell
securities on a commission basis. However, there are some associated persons who are separately
licensed as registered broker-dealer representatives or insurance agents. These individuals will
receive commissions as a result of selling securities and insurance products as well as advisory
fees for providing advisory services through Adviser. This presents a conflict of interest and gives
our supervised persons and incentive to recommend products based on the compensation received
rather than the needs of the client. The Firm periodically reviews the recommendations of its
supervised persons to ensure recommendations are in the best interest of the client and not based
in whole or part on the compensation received by the supervised person. Clients are under no
obligation, contractually or otherwise, to purchase products through these associated persons in
their separate capacities. However, if the client freely chooses to implement the plan through such
individuals, the investment adviser used will be Adviser, and commissions/fees will be earned in
addition to any fees paid for advisory services provided by the Adviser.

       Item 6 - Performance Fees and Side-by-Side Management
Fees are not based on a share of the capital gains or capital appreciation of managed securities.
However, Adviser may employ certain types of investments that do charge a performance fee in
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Item 7 - Types of Clients
Description
Adviser generally provides investment advice to individuals, pension and profit-sharing plans,
trusts, estates, or charitable organizations, corporations, or business entities. Client relationships
vary in scope and length of service.

Account Minimums
To open and maintain a portfolio management account, Adviser generally requires that the client
represents and warrants that the value of their account initially is at least $15,000. At Adviser’s
discretion, we may accept clients with smaller accounts.