River Raisin Investment Partners Inc

5. FEES AND COMPENSATION
All clients will be required to sign a written agreement that will describe the type of services to be
provided and the fees, among other items.
FINANCIAL PLANNING
The Adviser may provide financial planning services on a fixed fee basis. The fixed fee for ongoing
planning engagements may be paid either monthly, quarterly, or annually. Financial planning
engagements begin with the creation of a personalized plan that includes the establishment of goals and
objectives.

ADV Part 2A – 6/8/2026

Immediately upon delivery of the personalized plan, the Adviser will begin ongoing monitoring and
adhere to a series of tasks and ongoing work that is outlined accordingly in this agreement. Within the
same calendar month of the creation of the personalized plan, the Adviser will assess an ongoing monthly
fee ranging from $20 to $2,500, which is paid in advance each month going forward. For non-recurring
engagements, the Adviser may charge either a one-time planning fee of up to $5,000 or provide
nonrecurring planning services for an hourly fee for which the maximum hourly fee is up to $500/hour.
Hourly work will be accrued in 15-minute intervals. For one-time engagements, the amount will be
determined on a case-by-case basis with the fee based on the complexity of the situation and the needs of
the client. The fixed fee will be agreed upon before the start of any work. In the case of either one-time or
hourly planning engagements, fees are due within 30 days of invoice. Payment is to be made via either a
third-party processor such as QuickBooks or the client may be invoiced and remit payment via check or
PayPal.
Financial planning fees are negotiable and arrangements with any Client may differ from those described
above. Fixed fee financial planning fees do not include any compensation that might be generated upon
implementation of any investment advice. Fees will not be based upon a share of capital gains or capital
appreciation of the funds or of any portion of the funds under advisory contract.
This Agreement shall remain in effect until terminated by either party. A Client may terminate this service
for any reason by giving seven (7) days written notice to the Adviser at Schwallier Wealth Management,
535 Cascade West Parkway SE, Grand Rapids, MI 49546. In the event that a refund is required, a check
will be sent back for the pro-rata portion due back to the client.
PORTFOLIO MANAGEMENT SERVICES
Assets Under Management (“AUM”) based:
Fees for portfolio management services may be billed as a percentage of the assets under management.
Depending on the custodial platform used and the date that a relationship with the Adviser began, fees
will be calculated, accrued and due quarterly in arrears or quarterly in advance. This will be spelled out in
the Investment Management Agreement.
Our standard fee schedule is as follows:
                                            SWM Fee Structure

    Assets Under Management                                             Percent Annual Fee
    $500,000 to $2,500,000                                                    1.00%
    $2,500,001 to $5,000,000                                                  0.90%
    $5,000,001 to $10,000,000                                                 0.80%
    $10,000,001 and above                                                   Negotiable
The annual fee is determined based on a percentage of the total value of all accounts the client has with us
and will be applied to all accounts regardless of the value of each individual account. Unlike many
companies who use tiered rates, which means you only receive the lower rates on a portion of your
account, the above rates are flat. You will be charged the applicable rates shown on the entire total account
balance. We require a minimum fee of $5,000 per client.
However, the firm reserves the right to charge a fee that may be different from the percentages based on
client circumstances it deems pertinent. The fee on household account balances with a value lower than
$500,000 is negotiated and generally does not exceed 1.5%. Please note that we generally do not accept
household account balances lower than $500,000.
In non-wrap fee accounts, the Adviser’s fees are separate and distinct from other fees or expenses that
may include brokerage charges, transaction fees, and other related costs and expenses. Additionally,
clients may incur certain charges imposed by custodians, brokers, and other third parties such as fees
charged by mutual fund managers, custodial fees, deferred sales charges, odd-lot differentials, transfer

ADV Part 2A – 6/8/2026

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, as disclosed
in a fund’s prospectus, which are separate and distinct from the firm’s fee.
A client may terminate the Investment Management Agreement for any reason at any time and, within the
first five (5) business days after signing the contract and receive a 100% refund of any fees paid without
any cost or penalty. Thereafter, the Agreement may be terminated at any time by giving seven (7) days
written notice. The written notice of termination must be sent to Schwallier Wealth Management, 535
Cascade West Parkway SE, Grand Rapids, MI 49546. In the event of a refund, a check will be sent back
for the pro-rata portion due back to the client.
INSTITUTIONAL RETIREMENT ADVISORY SERVICES
The firm’s fees for its institutional retirement advisory services to retirement plan sponsors may be paid
by the plan or trust or by the plan sponsor and may be a flat fee or a fee that is a percentage of the assets
in the plan.
Non-Discretionary Asset-Based Fee Alternative
Fees for institutional asset management are generally calculated based on a percentage of client assets
...

7. TYPES OF CLIENTS
The Adviser’s services are offered to individuals, high net worth individuals, and corporations or other
business entities. The firm generally does not accept household account balances lower than $500,000.