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• providing guidance on various assets classes and investment options
• recommending money managers to manage plan assets in ways designed to
achieve objectives
• monitoring performance of money managers and investment options and
making recommendations for changes
• recommending other service providers, such as custodians, administrators and
broker-dealers
• creating a written pension consulting plan
These services are based on the goals, objectives, demographics, time horizon, and/or risk
tolerance of the plan and its participants.
Financial Planning
Financial plans and financial planning may include, but are not limited to: investment planning;
life insurance; tax concerns; retirement planning; college planning; and debt/credit planning.
Services Limited to Specific Types of Investments
AAG generally limits its investment advice to mutual funds, fixed income securities, real estate
funds (including REITs), insurance products including annuities, equities, ETFs (including ETFs
in the gold and precious metal sectors), treasury inflation protected/inflation linked bonds,
commodities, non-U.S. securities, venture capital funds and private placements. AAG may use
other securities as well to help diversify a portfolio when applicable.
Written Acknowledgement of Fiduciary Status
When we provide investment advice to you regarding your retirement plan account or individual
retirement account, we are fiduciaries 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 we make money creates some conflicts with your interests, so we
operate under a special rule that requires us to act in your best interest and not put our interest ahead
of yours. Under this special rule’s provisions, we must:
• Meet a professional standard of care when making investment recommendations (give
prudent advice);
• Never put our financial interests ahead of yours when making recommendations (give
loyal advice);
• Avoid misleading statements about conflicts of interest, fees, and investments;
• Follow policies and procedures designed to ensure that we give advice that is in your best
interest;
• Charge no more than is reasonable for our services; and
• Give you basic information about conflicts of interest.
AAG will tailor a program for each individual client. This will include an interview session
to get to know the client’s specific needs and requirements as well as a plan that will be
executed by AAG on behalf of the client. AAG may use model allocations together with a
specific set of recommendations for each client based on their personal restrictions, needs,
and targets. Clients may impose restrictions in investing in certain securities or types of
securities in accordance with their values or beliefs. However, if the restrictions prevent
AAG from properly servicing the client account, or if the restrictions would require AAG to
deviate from its standard suite of services, AAG reserves the right to end the relationship.
For those clients pursuing a socially responsible investment-based strategy, we research
from a variety of sources and recommend investments.
A wrap fee program is an investment program where the investor pays one stated fee that
includes management fees, transaction costs, fund expenses, and other administrative
fees. AAG does not participate in any wrap fee programs.
AAG has the following assets under management:
Discretionary Amounts: Non-discretionary Amounts: Date Calculated:
$ 168,154,616.00 $ 6,464,331.00 December 2023
Portfolio Management Fees
Total Assets Under Management Annual Fees
$0 - $1,000,000 1.00%
$1,000,000 - $2,499,999 0.80%
$2,500,000 - $4,999,999 0.70%
$5,000,000 – And Up 0.60%
C. Client Tailored Services and Client Imposed Restrictions
E. Assets Under Management