RV Kuhns & Associates Inc

Item 5 – Fees and Compensation
Amount of Our Fees- General Consulting Services
All of our revenue comes from investment consulting. We normally charge an annual flat retainer fee
covering all proposed consulting services for a client, including our travel expenses. However, there are
exceptions to our all-inclusive fee. For example, we typically charge separate fixed fees to conduct full
system asset/liability studies and custodian searches.

To account for inflation, we may adjust our retainer fees after a number of years, as specified in our
agreement with each client. Fees are adjusted typically by the greater of 3% or the inflation rate as
measured by the Consumer Price Index.

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RVK, Inc. Form ADV Part 2A Disclosure Brochure

Charges for services depend on several factors, including the:
   • total investment assets of the client
   • number of investment managers engaged
   • complexity of the client relationship
   • number, nature and size of accounts
   • frequency of meetings we are expected to attend each year
   • range of services required
   • location of the client

We do not have a standard fee schedule. Instead, fees are negotiable based upon the above factors
and the needs of each client. Occasionally, a client may choose to pay an asset-based percentage
fee for our consulting services.

Amount of Our Fees – Special Projects

As discussed in Item 4 above, we are available for special projects if full-service consulting is not desired
or required. Our total fees for a project would be negotiated, based on factors such as the scope of the
project, the degree to which the client wants the services customized, the client's relationship with our
other clients, and the nature and size of the account. We may charge a fixed fee or hourly rate for a
specific consulting project. Travel and other out-of-pocket expenses related to the project may be billed
to the client separately, as specified in the client agreement.

Payment of Our Fees

We invoice retainer clients for services per the terms of their individual contracts, usually either
quarterly or monthly. Retainer clients generally pay our fees quarterly or monthly in arrears. However,
we have one retainer client who pays annually in advance. We invoice project clients based on the terms
of their individual contracts as well, with some paying project fees up front, some at particular
milestones, and some at project completion. If clients pay for our services in advance, any unearned fees
will be refunded on termination of the client agreement, based on the portion of the quarter during
which we provided services. Generally, we do not deduct fees from our clients’ accounts. However, at
one client’s request and with documented authorization, we do deduct our invoiced quarterly fees
directly from that particular client’s investment account.

Other Fees

If a client retains an investment manager we recommend, they will pay fees directly to that manager.
Those fees are described in the applicable investment management agreement, and they are not shared
with us. In the course of investing through other managers, clients also incur brokerage and other
transaction costs for the purchase and sale of securities. Those fees depend on the brokerage practices
of the particular manager. As described in Item 12 below, we do not recommend or select brokers to
execute client securities transactions, but we may recommend that clients use the custodial or transition
management services of certain brokers.

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RVK, Inc. Form ADV Part 2A Disclosure Brochure

In making manager recommendations, we sometimes recommend specific limited partnership and
limited liability company investment funds (such as real estate, commodities, private equity and hedge
funds of funds) and other investment vehicles (such as ETFs). If clients have assets invested in such
funds, they will incur fees in addition to our fees. For example, clients may incur a commission or
transaction fee when the investment is purchased and an annual management fee payable to the
manager of the fund. Fees for investment in such funds are described in the applicable fund’s disclosure
documents. Such fees are not shared with us. We evaluate the relative annual costs of such investments
as a part of our recommendation process.

Clients could invest directly in any of the investment vehicles we recommend, without our services. In
that case, clients would not receive the services we provide, which are designed in part to help
determine which, if any, funds are best suited to a client’s financial condition and objectives. Clients
should review the fees charged by the funds and our fees to fully understand the total amount of fees
they will pay and to evaluate the consulting services we provide.

No Compensation from Sales of Securities

Neither RVK nor its employees receives any compensation for the sale of securities or other investment
products, including asset-based sales charges or service fees from the sale of mutual funds or other
investment vehicles.

Item 7 – Types of Clients
We generally provide consulting services to the following types of clients:
   • defined benefit plans and defined contribution plans as well as cash balance plans
   • health and welfare plans
   • foundations, endowments and other charitable organizations
   • corporations and other businesses
   • state and municipal governmental entities
   • insurance companies
   • individuals, including family trusts, foundations and estates

                                             RVK • 12                                March 18, 2026

RVK, Inc. Form ADV Part 2A Disclosure Brochure