RWA Advisors, LLC, (“RWA” or “Firm”), CRD Number 150120, registered with the State of Florida in August of 2009 and then the SEC in 2022. RWA is the successor company of Rubin Wealth Advisors, Inc. and RSR & Company, Inc., which was founded in September of 1985. Robert Rubin (CRD Number 1415089) is the sole member and principal of the Firm. Mr. Rubin also owns 100% of the equity of RWA. There are no indirect owners of the Firm. RWA acts in a Fiduciary capacity under Section 206 of the Advisers Act in its dealings with clients. RWA Client assets are managed on an individualized basis. As of May 20, 2024 the firm managed $52,633,683 in assets on a discretionary basis and $119,938,526 on a non-discretionary basis. Investment Advisory Services RWA works with the client to determine the client’s investment objectives, tax situation, and ability and willingness to assume risk. RWA will evaluate the Client’s existing investments, if requested to do so. RWA will allocate the Client’s account among various asset classes taking into consideration the overall investment allocation agreed to by the Client. RWA Advisors may also use Third Party Money Managers in addition to its own investment managers. Most accounts are held in custody by Schwab Advisor Services. As an investment advisor, RWA is bound by a fiduciary standard which places Client interests ahead of our own interests. In contrast, broker-dealers follow a suitability standard which means only that transactions must be suitable for Client needs. Fiduciaries look after your best interests for your financial well-being, whereas, broker-dealers sell you products which are suitable for your situation. Investment Policy Statement An investment policy statement is provided to and signed by most of our clients and RWA outlining how we are going to invest your money and ensure our long term adherence to your investment program. The statement lists amount of risk to be taken, cash required, as well as all the other items that were agreed to between the client and RWA. Termination of Investment Advisory Services Client may terminate RWA advisory services without penalty within (5) business days of signing the investment advisory agreement. In all other situations, the investment advisory agreement is effective for one year and shall be automatically renewed for successive one year terms unless terminated by either the Client or RWA within thirty (30) days written notice. Upon proper notice,

any unearned fees Client has paid to RWA will be refunded pro-rata based upon the number of days remaining in the current quarter. If Client transfers all assets to another custodian or removes RWA as the designated investment advisor with the current custodian, the advisory agreement in force will be deemed terminated without proper notice and no refund of fees will be required. RWA in its sole discretion may choose to refund fees if proper notice was given. Financial Planning and Consulting Process The financial planning process assists the client in determining their goals with regards to retirement, education, emergency fund, life insurance, disability coverage, long-term health care, etc. It provides the framework for future planning decisions based on the client's goals. In addition, budgeting and cash flow management techniques are developed when working with clients. Form ADV Part 2A – May 20, 2024 Page 5 RWA also offers consulting services which are slightly different than financial planning. Consulting is a professional service and involves any discussion between client and RWA about the client’s financial position. Consulting can include anything like assisting in deciding whether to purchase or lease an automobile, assisting in maximizing college financial aid, reviewing a “deal” that you need to decide whether to invest in or how to identify the right bank to finance your business. Retirement Plan Advisory Services RWA provides advisory services on behalf of Retirement Plans and Plan Sponsors. The advisory services are designed to assist Plan Sponsors. Each engagement is customized to meet the needs of the Plan and Plan Sponsor. Services may include: Vendor analysis, employee education and enrollment support, investment and demographics review, assistance with employee communication, investment committee guidance, compliance reviews, and administration coordination services. Retirement Plan Rollovers When RWA provides investment advice regarding a retirement plan account or individual retirement account, the firm is a fiduciary within the meaning of Title I of the Employee Retirement Income Security Act and/or the Internal Revenue Code, as applicable, which are laws governing retirement accounts. The way RWA makes money creates some conflicts with a client’s interests, so RWA operate under a special rule that requires it to act in a client’s best interest and not put interests of RWA ahead of a client’s interest