RWA Advisors LLC

ITEM 5. Fees and Compensation
Investment Advisory Services
Services provided under some or all of RWA's services may be available from other providers
for a lower fee. In addition, client may buy securities (e.g., mutual funds, exchange-traded funds,
etc.) outside of these programs without incurring the program fees. Under all these options
clients have the opportunity to place reasonable restrictions or constraints on the way their
account is managed and to obtain portfolio design services. RWA fees are negotiable and
exclusive of transaction related fees including but not limited to brokerage commissions,
transaction fees, account fees, custodial fees, wire fees, investment company/mutual fund
management fees and 12b-1 fees. RWA fees are payable in arrears on a quarterly or monthly
basis on the first day of the quarter or month. The fees applicable to each client will be spelled
out in the agreement. At the initiation of the advisory relationship, the client may terminate the
agreement within five business days of its signing without incurring any fees. Thereafter, either
party may terminate the agreement upon 30 days written notice, in which case fees will be
prorated accordingly. However, termination will not affect either the client's or RWA's
responsibilities under this agreement for previously initiated transactions or for RWA balances
due in the account upon termination.
     •   The maximum annual fees for the services described above are 2.75%. Accounts with
         assets under management over $5,000,000 will have a custom fee schedule.
     •   Charles Schwab Investment Advisory, Inc. (“Schwab”) serves as the primary qualified
         custodians for advisory assets.
     •   Total Annual Advisory Fee for Defined Contribution Retirement Plans (exclusive of
         recordkeeping, third party administration, program fees and underlying investment
         expenses) shall not exceed 1.50% per annum.

Form	ADV	Part	2A	–	March	13,	2026	                                                          Page	5

In exchange for services provided by RWA, our independent money managers and the account
custodian; each client agrees to pay annually, a set percentage of the total assets held in the
client's account. Advisory fees are collected from client's account quarterly or monthly, in
arrears, and are based upon the aggregate market value of the assets in the client's Account at the
close of business on the last business day of the preceding calendar quarter or month. The fees
payable by a Client including custodial, Third-Party Manager (TPM), administrative and
advisory fees will not exceed an established percentage of 2.75%. TPM fees, including fees
paid to RWA, will be distributed in accordance with the TPM’s Form ADV.
Financial Planning and Consulting Services
Fees are negotiable and documented within the Advisory Agreement executed by each client.
Compensation is payable in advance. The client may terminate by non-payment of fees and
satisfactory evidence that RWA Advisors has defaulted in the performance of any of the terms or
conditions of the written contract, or compliance with the contract completion date. Payments of
fees are requested upon engagement, but no more than six months in advance. Planning fees are
refundable on a prorated basis, after accounting for RWA's expenses upon indication by the
client of complete dissatisfaction at the time the initial plan is delivered. Implementation
recommendations will not be discussed until such time as the client has expressed complete
satisfaction with the plan provided and RWA Advisors has been invited to share specific
implementation strategies.

ITEM 7. Types of Clients
RWA offers investment advisory services to individuals, 401(k) plans, pension and profit sharing
plans, defined contribution retirement plans, trusts, estates, charitable organizations,
corporations, and other business entities. If you decided to open an RWA account, we will
require a minimum investment amount of $1,000,000 to open and maintain an account. At our
discretion, we may waive this minimum account size. For example, we may waive the minimum
if you appear to have significant potential for increasing your assets under our management. We
may also combine account values for you and your minor children, joint accounts with your
spouse, and other types of related accounts to meet the stated minimum. This is typically called
“Householding.”