The RUDD Company LLC

Item 5 – Fees and Compensation
A. Fee Rates

i. Education Savings Accounts

Advisory fees for Education Savings Accounts are billed separately on a monthly or quarterly basis
depending on the requirements of the custodian used. Each Education Savings Account fees are assessed
at an annual rate of 0.35% and are payable in accordance with the fee agreement used by each independent
custodian.
ii. Private Clients

SW’s current annual management fees for individual equity strategies generally range from 0.45% to
1.65%, fixed-income from 0.25% to 0.65%, mutual funds from 0.85% to 1.35%, and 0.10% for money
market strategies. While Advisory fees are generally non-negotiable, lower fees may be available based
on client tenure or special circumstances. Advisory fee amounts are calculated using the average daily
balance during the prior month and are debited from client accounts monthly in advance in accordance
with the terms of the Investment Advisory

Contract. A detailed explanation of the calculation of fees for each account can be provided upon client
request.

Related accounts are not combined for fee calculation purposes.

Advisory fees are calculated monthly using the average daily balance from the previous month, billed in
advance on the first day of the following month. SW does not charge advisory fees on new deposits until
the first day of the month following the deposit.

iii. Business Retirement Plans
Business Retirement Plan Consulting advisory fees are assessed quarterly at an annual rate of 0.50% of
plan assets with a minimum fee of $2,500 quarterly, unless special fee provisions apply. Plans with larger
balances may be eligible for discounted rates. For billing purposes, market value of plan assets shall
mean the value of assets as reported by the custodian or recordkeeper and shall mean Included Assets.
Business Retirement Plan Consulting fees are either:

    •   Advisory fees are deducted from plan participant accounts and payable in accordance with the
        schedule provided to the Plan by the plan Provider, or
    •   Advisory fees are assessed and invoiced by SW to the Client quarterly in arrears based on the
        average daily balance of the plan as reported by the plan Provider for the billing period. Plan
        Provider must have the ability to share plan balance information in an acceptable format for
        billing purposes. Client is responsible for authorizing the release of plan balance information from
        the plan Provider to Advisor.

iv. General Business Consulting Fees
Business Consulting clients are charged a negotiated fee depending on the scope of the project.

B. Payment of Fees
The Custodian will deduct wealth management fees from the client account. SW will submit to the Custodian
the amount of the fees to be deducted from the client account at the respective monthly processing date. Fees
are generally payable monthly in advance based on a valuation of the client's account average daily balance
for the previous month, but such advisory fees are not collected for services to be performed more than six
months in advance. For new Client accounts, SW calculates the monthly fee of the first partial month in
arrears based on the average daily balance. The Client will be provided with a statement, at least quarterly,
from the

Custodian reflecting deduction of the wealth management fee. It is the responsibility of the Client to
verify the accuracy of these fees as listed on the Custodian’s brokerage statement as the Custodian does not
assume this responsibility. Clients provide written authorization permitting SW to be paid directly from
their accounts held by the Custodian as part of the Investment Advisory Contract and the account forms
provided by the Custodian.
Other than growth in assets under management, SW shall not be compensated on the basis of a share of
capital gains in, or appreciation of, client funds. SW does not receive any additional compensation
(commissions, transaction fees, etc.) related to any of its clients’ accounts.
Estate Plan Consulting, Financial Planning Consulting, and Business Consulting fees may be assessed
on a set monthly fee. Hourly fees will be invoiced upon completion of the financial plan or the rendering
of consulting services with a thirty (30) day written notice. For one-time projects, Client agrees to pay the
fee upon signing the Financial Planning or Consulting Agreement and the remaining fee on a monthly
basis. We will not require a fee of $1,200 or more to be paid six (6) months or more in advance. Financial
planning and consulting fees are paid via check or by direct invoicing via electronic payment processor.
Clients are Responsible for Third-Party Fees

Clients are responsible for the payment of all third-party fees (e.g. custodian fees, brokerage fees, mutual
fund and ETF fees, transaction fees, etc.). Those fees are separate and distinct from the wealth
management fees charged by SW. Please see Item 12 of this brochure regarding broker/custodian.

C. Other Fees and Expenses
The fees discussed above include payment solely for the investment advisory services provided by us and
are separate to certain fees or charges that are imposed by third parties in connection with investments
made on your behalf for your account. Third-party fees may include markdowns, markups, brokerage
commissions, other transaction costs and/or custodial fees.
Also, all fees paid to us for asset management services are separate from the expenses charged by
exchange-traded funds and mutual funds to their shareholders. These fees and expenses will be used to
pay management fees for the funds, other fund expenses, account administration, and a possible
distribution fee. Exchanged traded funds and mutual funds can be invested in directly by you without our
services. However, you would not receive our services to assist you in determining which products or
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