RTD Financial Advisors Inc

Fees and Compensation
     Personal Wealth Management Fees:
Personal Wealth Management fees are based on factors including total wealth under advisement (TWA) as well as an
evaluation of each client’s unique financial, tax, business, and family complexity. Fees are based on a fixed amount
and can range from a minimum of $1,500 per quarter ($6,000 annually) to a maximum of $30,000 per quarter ($120,000
annually). The fee will be reviewed annually and can be adjusted up or down as each client’s TWA or complexity
changes. Examples of changes would be the acquisition or sale of a business, acquisition of material corporate stock
options, acquisition or sale of illiquid investment or real estate investment properties, inheritance, inflationary impacts,
the depletion of assets during retirement or family/multi-generational planning that increases the complexity of your
planning needs.

Should a change to the fee amount be warranted, you will be notified at least 60 days in advance. You may accept or
terminate without penalty.

Fees are due quarterly in advance and a pro-rata refund will be paid to Client if canceled within any quarter. This
quarterly fixed fee is cancelable anytime without restriction.

Additional Compensation Information
•   Minimum Fee of $1,500 per quarter is reduced to $750 per quarter for Clients’ immediate family members (children
    and parents).
•   With client authorization, quarterly fees are deducted from client account(s) or paid by check or ACH payment. In
    either case, clients will be sent an invoice quarterly.
•   Under certain circumstances, at our sole discretion, Advisor can offer existing clients a Financial Advisory
    Agreement if it’s in the clients’ best interest to do so.
•   Under certain limited circumstances, at our sole discretion, Advisor offers advisory services on a pro-bono or
    accommodation basis.
•   For planning paid for by corporations for the benefit of its employees, the following discounts will apply: 2-5
    employees, 10%; 6-10 employees, 15%; over 10 employees, 20%

Employer Retirement Plan Fees

RTD is a fiduciary under ERISA with respect to investment management services and investment advice provided to
ERISA Plan Clients. As such, RTD is subject to specific duties and obligations under ERISA and the IRC that include,
among other things, restrictions concerning certain forms of compensation. To avoid engaging in prohibited
transactions, RTD will only charge fees for investment advice about vehicles for which RTD and/or its affiliates do not
receive any commission, 12b-1 fees, or other compensation.

The fees described below for Participant Directed Plans are payable quarterly or monthly in arrears as agreed to under
the investment management or advisory agreement between RTD and the ERISA Plan Client. Fees for Pooled
Retirement Plans are payable quarterly in advance. The initial fee is the amount, prorated for the number of days
remaining in the initial Fee Period from the effective date of the investment advisory or management agreement, based
upon the market value of the included assets on the last business day of the initial fee period. Thereafter, the fee is

                                                                                           Form ADV Part 2A/2B 03/31/2026

based upon the market value of the included assets on the last business day of the fee period (without adjustment for
anticipated withdrawals by plan participants or other anticipated or scheduled transfers or distributions of assets).

     •   Fees differ for certain non-profit organizations.
     •   ERISA Plan Client investment management fees may be reduced for start-up retirement plans, or if a Personal
         Wealth Management Client, or Trust or Non-Profit Investment Management Client also engages RTD for
         retirement plan investment management services on behalf of an ERISA plan. The ERISA plan is obligated to
         pay RTD’s fee. As agreed to under the investment management or advisory agreement between RTD and the
         ERISA Plan Client, the ERISA Plan Client can authorize the plan custodian to automatically deduct the fee
         from the plan or the plan sponsor of the ERISA Plan Client may choose to pay the fee.

Either RTD or the ERISA Plan Client can terminate the investment management or advisory agreement at any time,
without penalty, by sending the other party 30 days prior written notice. Both parties remain responsible for obligations
arising under any transactions initiated before the agreement was terminated. RTD is entitled to a fee, prorated for the
number of days in the Fee Period prior to the effective date of termination, based on the market value of the included
assets on the effective date of termination.

      3(38) Investment Management for Participant-Directed Plans Where Participant-
      Level Services are Provided
The RTD investment advisory fee for 3(38) investment management services provided to ERISA participant-directed
plans where participant-level services are provided is calculated as of the last business day of each calendar quarter,
or in accordance with the Plan’s agreement with their recordkeeping provider, by charging fees based on the market
value of plan assets in accordance with the following fee schedule, subject to a minimum fee of $3,750 per quarter:

                 Plan Assets                                 Quarterly                           Annual
               $0 - $4,999,999                               0.12500%                            0.500%
           $5,000,000 - $9,999,999                           0.10000%                            0.400%
          $10,000,000 - $19,999,999                          0.07500%                            0.300%
          $20,000,000 - $39,999,999                          0.05000%                            0.200%
          $40,000,000 - $59,999,999                          0.03750%                            0.150%
...

Item 7: Types of Clients
Advisor provides financial planning and/or asset management services to individuals, families, pension plans, profit
sharing plans, pooled employer plans, charitable organizations, endowments, foundations, trusts and estates,
corporations, and other business entities.