River Wealth Advisors LLC

ITEM 5. FEES AND COMPENSATION
    River Wealth offers services on a fee basis, which may include hourly fees, as well as fees based upon
    assets under management or advisement. As a fee-only adviser, River Wealth does not receive any form
    of commissions or transaction-based compensation.

    Asset Management Fees
    River Wealth provides asset management services for an annual fee based upon the amount of assets
    under the Firm’s management. This fee is negotiable and generally ranges up to 125 basis points (1.25%),
    depending largely upon the size and complexity of a client’s portfolio. This fee is prorated for new clients
    and charged quarterly in arrears based upon the market value (including accrued earnings) of the assets
    being managed by River Wealth on the last day of the previous quarter.

    For the initial term of an engagement, the fee is calculated on a pro rata basis. In the event the Client
    Agreement is terminated, the fee for the final billing period is prorated through the effective date of the
    termination and the outstanding balance is charged to the client, as appropriate.

    Financial Planning and Investment Consulting Fees
    River Wealth generally charges an hourly fee for providing financial planning and consulting services under
    a stand-alone engagement. These fees are negotiable but generally range from $150 to $300 on an hourly
    basis, depending upon the scope and complexity of the services and the professional rendering the
    financial planning and/or the consulting services. If the client engages the Firm for additional investment

ADV Part 2A, Brochure                                                River Wealth Advisors, LLC

    advisory services, River Wealth may offset all or a portion of its fees for those services based upon the
    amount paid for the financial planning and/or consulting services.

    The terms and conditions of the financial planning and/or consulting engagement are set forth in the
    Advisory Agreement and River Wealth generally requires one-half of the fee (estimated hourly or fixed)
    payable upon execution of the Advisory Agreement. The outstanding balance is generally due upon
    delivery of the financial plan or completion of the agreed upon services. The Firm does not, however, take
    receipt of $1,200 or more in prepaid fees in excess of six months in advance of services rendered.

    Retirement Plan Service Fees
    River Wealth provides retirement plan services for an annual fee based upon the amount of assets under
    the Firm’s management. This fee is negotiable and generally ranges up to 125 basis points (1.25%)
    depending largely upon the size of the plan, the scope, and the complexity of the engagement. This fee is
    prorated for new clients and charged quarterly in arrears based upon the market value of the plan assets
    on the last day of the previous quarter. Retirement plan advisory fees will be calculated by the retirement
    plan recordkeeper and automatically deducted from each plan participant’s account or paid directly by
    the sponsoring employer.

    For the initial term of an engagement, the fee is calculated on a pro rata basis. In the event the Client
    Agreement is terminated, the fee for the final billing period is prorated through the effective date of the
    termination and the outstanding balance is charged to the client, as appropriate.

    Fee Discretion
    River Wealth may, in its sole discretion, negotiate to charge a lesser fee or a flat fee based upon certain
    criteria, such as anticipated future earning capacity, anticipated future additional assets, dollar amount of
    assets to be managed, related accounts, account composition, pre-existing/legacy client relationship,
    account retention, negotiations with the client, pro bono activities or for family members, friends of the
    owners, employees of the firm and non-profit organizations.

    Additional Fees and Expenses
    River Wealth generally recommends Charles Schwab and Co., Inc. (“Schwab”) or Fidelity Inc. (“Fidelity”)
    and their respective affiliated entities serve as the broker-dealers/custodians for client investment
    management assets. Broker-dealers charge transaction fees for executing certain securities transactions
    according to their fee schedule and they or their affiliated or unaffiliated custodians impose additional
    charges for custodial services and other fees associated with maintaining the client’s account. Without
    limiting the foregoing, clients may be required to pay certain charges and administrative fees related to
    their investment advisory accounts, including, but not limited to transaction charges (including mark-ups
    and mark-downs), transfer taxes, transfer or wiring fees, odd lot differentials, exchange fees, interest

ADV Part 2A, Brochure                                               River Wealth Advisors, LLC

    charges, American Depositary Receipt fees, and any charges, taxes or other fees mandated by any federal,
    state or other applicable law or otherwise agreed to with regard to client accounts.

    When River Wealth determines that it would be beneficial for the client, River Wealth may execute
    securities transactions through broker-dealers other than the client’s designated account custodian. In
    that case, the client may incur both the fee (commission, mark-up/mark-down) charged by the executing
    broker-dealer, and a separate “tradeaway” or “prime broker” fee charged by the account custodian.

    For mutual fund and ETF purchases, clients will incur charges imposed by the respective fund, which
    represent the client’s pro rata share of the fund’s management fee and other fund expenses. These fees
    and expenses are described in each fund’s prospectus or other offering documents. River Wealth does
    not share in those funds or expenses.

    Direct Fee Debit
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ITEM 7. TYPES OF CLIENTS
    River Wealth provides advisory services to individuals, high net worth individuals, trusts, estates,
    charitable organizations, retirement plans, and businesses. The amount of each type of client is available
    on the firm’s ADV Part 1A which is updated at least annually. River Wealth does not impose any specific
    minimum account sizes for opening or maintaining an account.