RVW Wealth LLC

ITEM 5: FEES AND COMPENSATION
A. Investment Management Fees

RVW charges an annual fee for investment management services, which is typically 1.5%
of the value of the Client’s Managed Assets. However, RVW reserves the right to charge
higher or lower fees depending on certain circumstances. RVW may impose a minimum
annual fee of $2,500 per client. Our fees are negotiable, and the specific fee charged will
be set forth in each client’s written agreement. RVW may amend the agreed-upon fee upon
thirty (30) days’ advance written notice to the client.

In general, RVW acts as a fee-based advisor. However, in certain circumstances and when
in the client’s best interest, RVW may recommend commission-based products, such as
insurance or annuities. These instances are limited and represent a small portion of RVW’s
overall business.

Advisory fees are generally calculated and billed quarterly in advance, based on the value
of the Client’s Managed Assets as of the close of business on the last business day of the
preceding calendar quarter. Although fees are billed in advance, RVW adjusts fees to

RVW Wealth, LLC June 10, 2026
Form ADV Part 2A

reflect capital contributions and withdrawals during the quarter. Fees are prorated based on
the number of days assets are under management. Assets contributed during a quarter may
be billed in arrears based on the average daily balance for the period managed, with any
resulting fee adjustments applied after quarter-end. In certain cases, including legacy client
arrangements, fees may be billed in arrears on a quarterly or monthly basis, as outlined in
the client’s agreement.

Advisory fees are typically deducted directly from the client’s designated custodial
account. In the event that RVW is unable to collect fees from the custodian, the client will
be invoiced directly. RVW may debit fees from multiple client accounts, where authorized,
based on available cash balances. All fees deducted will be reflected on the client’s
custodial account statements.

Upon termination of services, RVW will promptly refund any unearned, prepaid advisory
fees, calculated as of the effective date of termination.

Held Away Account Fees

Fees for held away account management are included as part of RVW Wealth’s overall
advisory fee and are calculated in the same manner as described above. Managed Assets
may include assets held at external institutions (e.g., employer-sponsored retirement plans)
that are managed through a third-party platform such as Pontera.

Assets contributed during a quarter may be billed in arrears based on the average daily
balance for the period in which they were managed.

Advisory fees for held away assets are generally deducted from the Client’s designated
custodial account (e.g., Schwab or Fidelity). In certain circumstances, clients may be
invoiced directly for fees associated with these assets.

Subscription Fees

RVW offers a quarterly newsletter free of charge. Newsletters will be provided via postal
mail or electronic mail and may be cancelled by giving 30 days written notice.

Educational Seminars/Workshops

RVW provides periodic educational seminars and workshops to clients and the general
public free of charge.

B. Other Fees or Expenses

All fees paid to RVW for the services we provide to clients are separate and distinct from
the fees and expenses charged by third parties. These separate fees and expenses include,
but are not limited to, custodial fees, execution costs, and mutual fund fees and expenses.
Client assets also may be subject to transaction fees, brokerage fees and commissions,

RVW Wealth, LLC June 10, 2026
Form ADV Part 2A

retirement plan administration fees (if applicable), trustee fees, deferred sales charges on
mutual funds initially deposited in the account, 12b-1 fees, odd-lot differentials, transfer
taxes, wire transfer and electronic fund fees, and other fees and taxes on brokerage
accounts and securities transactions. For mutual funds and exchange traded funds, a client
may be charged internal management fees, distribution fees, redemption fees and other
expenses, which are fully described in the applicable fund's prospectus. Notably, RVW
does not receive any portion of these other fees and expenses. Please refer to Item 12
of this Brochure entitled “Brokerage Practices” for additional important information about
the brokerage and transactional practices of RVW.

Clients should review the fees charged to their account(s) to fully understand the total
amount of all fees charged. Although we believe our investment management fees are
competitive, clients should be aware that lower fees for comparable services may be
available from other advisers.

ITEM 7: TYPES OF CLIENTS
A. Description

RVW generally provides investment advice to individuals, trusts, estates, charitable
organizations, pension and profit sharing plans, and various business entities like
corporations, partnerships and limited liability companies.

B. Conditions for Managing Accounts

Generally, a minimum of $250,000 is required to open and maintain a management
account. However, this requirement may be waived, at our sole discretion.

There may be times when certain restrictions are placed by a client, which prevents us
from accepting or continuing to manage their managed assets. RVW reserves the right to
not accept and/or terminate management of a client’s managed assets if we feel that the

RVW Wealth, LLC June 10, 2026
Form ADV Part 2A

client imposed restrictions would limit or prevent us from meeting and/or maintaining the
client’s overall investment guidelines or our investment strategies.

For ERISA clients, RVW will provide certain required disclosures to the “responsible plan
fiduciary” (as such term is defined in ERISA) regarding the services we provide and the
direct and indirect compensation we’ve receive by such clients. Generally, these
disclosures are contained in this Form ADV Part 2A, the client agreement and in separate
ERISA disclosure documents, and are designed to enable the ERISA plan’s fiduciary to:
(1) determine the reasonableness of all compensation received by RVW; (2) identify any
potential conflicts of interests; and (3) satisfy reporting and disclosure requirements to plan
participants.