Firm Description Access Financial Group, Inc. is a privately-held Delaware corporation that has been registered with the SEC since December 1994. Throughout this disclosure brochure, Access Financial Group, Inc. is referred to as "AFG." The principal owners of Access Financial Group, Inc. are Victor J. Chigas and Richard Konst.
Description of Advisory Services Institutional Program AFG provides investment advisory services to businesses, primarily managing the assets of cemeteries and cemetery associations as well as funeral homes and funeral home associations. These assets are managed using fixed income instruments, and the businesses and associations have the ability to place reasonable investment restrictions on the management of assets. State laws often dictate the types of advisory arrangements into which funeral homes may enter. Following are the various arrangements into which AFG has entered: Advisory agreements with funeral home and cemetery associations : When AFG enters into an advisory agreement with a cemetery or funeral home association, AFG has agreed to manage the assets of some or all of the cemeteries or funeral homes that are members of the association. Investments would be made in accordance with each state's statutes.
These state statutes also dictate the custodian/trustee relationship with regards to the trust assets.
The agreement between AFG and the association is a master investment advisory agreement, and the association is considered AFG's client. AFG may also enter into a service agreement with the cemeteries or funeral homes whose assets it is responsible for managing. This agreement is not an advisory agreement, rather, it describes the fees associated with the management of the cemetery's or funeral home's assets. Advisory agreements with banks : Certain states require cemeteries or funeral homes who desire the services of AFG to hold their assets in trust at a bank. The bank and the cemeteries or funeral homes serve as trustees, and the bank hires AFG to manage the assets in the trust. Investments would be made in accordance with each state's statutes. These state statutes also dictate the custodian/trustee relationship with regard to the trust assets. In this scenario, the bank enters into a master investment advisory agreement with AFG, and the bank is considered AFG's client. AFG may also enter into a service agreement with the cemeteries or funeral homes whose assets are held in the trust; however, this agreement is not an advisory agreement, rather, it describes the fees associated with the management of the cemetery's or funeral home's assets. Advisory agreements with cemeteries and funeral homes: When state regulations permit, AFG may enter into an advisory agreement directly with the cemetery or funeral home. In this scenario, there is no third party intermediary, and the cemetery or funeral home is considered AFG's client.
Individual Client Services AFG provides investment supervisor services, defined as giving continuous advice to individuals or making investments

for a client based on the individual needs of the client. Through personal discussions, during which a client's goals and objectives are established, AFG and the client determine the client's risk profile and investment guidelines. Investments are made based on the individual risk 4 tolerance of the client. Investment advisory services will be provided on a discretionary basis, wherein the client gives AFG full authority to manage the client's assets in accordance with what AFG deems to be in the client's best interest.
Clients will have the opportunity to place restrictions on the types of investments which will be made on the client's behalf. Clients will retain individual ownership of all securities.
Clearing Firms and Custodians Securities transactions undertaken for clients are typically handled by AFG, in its capacity as introducing broker-dealer, and cleared through its clearing firm, Raymond James & Associates, Inc. ("RJ"), a broker-dealer and investment adviser registered with the SEC and member of SIPC and the Financial Industry Regulatory Association.
IRA Rollover Recommendations Effective December 20, 2021 (or such later date as the US Department of Labor ("DOL") Field Assistance Bulletin 2018-02 ceases to be in effect), for purposes of complying with the DOL's Prohibited Transaction Exemption 2020-02 ("PTE 2020-02") where applicable, we are providing the following acknowledgment to you.
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. We benefit financially from the rollover of your assets from a retirement account to an account that we manage or provide investment advice, because the assets increase our assets under management and, in turn, our advisory fees. As a fiduciary, we only recommend a rollover when we believe it is in your best interest.
Assets under Management As of December 31, 2023, the total amount of client assets managed by AFG was approximately $269,010,834, of which $264,267,627 was managed on a discretionary basis, and $4,743,207 was managed on a non-discretionary basis.
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