Our Firm gathers the required information for this process through in-depth personal interviews concerning your current financial status, future goals and attitudes towards risk and a thorough review of documents supplied by you. Implementation of this prepared plan or recommendations is solely by your direction. Our clients are encouraged to consult any other persons or professionals that they may feel will aid them in making these decisions or implementation of these recommendations.  Special Needs Analysis- If you request this service, you will receive an analysis of specific areas such as education funding, risk management, wealth accumulation, income tax strategies or retirement planning strategies as they may apply.  Update and Review- We will update and review a plan or analysis previously presented by us, to reflect significant financial or situational changes that may have occurred.  Ongoing Analysis and Review- This service provides monitoring of your accounts, needs, etc. and reviewing your plans and investments on an annual basis or as requested by you. PORTFOLIO MANAGEMENT: through Separately Managed Accounts: Under the Separately Managed Accounts (SMA’s), we recommend a portfolio designed to meet your investment objectives and risk tolerance. Once agreed upon, we utilize our discretionary authority to implement and make changes to your portfolio as need arises to maintain those investment objectives and risk tolerance, with consideration to any restrictions that you may dictate. This is accomplished within a WRAP account established on the Charles Schwab brokerage platform. We may offer other investment advisory services not specifically outlined in this brochure. RETIREMENT ACCOUNTS – DOL DISCLOSURE We are fiduciaries within the meaning of Title I of the Employee Retirement Income Security Act of 1974 (“ERISA”) and/or the Internal Revenue Code (“Code”), as applicable, when we provide investment advice regarding portfolio assets held in an IRA, Roth IRA, Archer Medical Savings Account, a Plan covered by ERISA, or a plan described in Section 4975(e)(1)(A) of the Code (collectively referred to collectively sometimes herein as (“Retirement Accounts”). To ensure that MSA will adhere to fiduciary norms and basic standards of fair dealing, we are required to give advice that is in the "best interest" of the retirement client. The best interest standard has two chief components, prudence and loyalty. Under the prudence standard, the advice must meet a professional standard of care and under the loyalty standard, our advice must be based on the interests of our retirement clients, rather than the potential competing financial interest of MSA. To address the conflicts of interest with respect to our compensation, we are required to act in your best interest and not put our interest ahead of yours. To this end, 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. THIRD-PARTY ASSET MANAGER REFERRAL PROGRAM SERVICES: We can recommend the services of Third-Party Asset Managers (“TPAM”) to manage a portion of a client’s portfolio. We would recommend a TPAM whose investment style and strategy is believed to be consistent with your financial needs, investment goals, objectives and risk tolerance. All TPAM’s we refer to our clients are properly registered with the appropriate

regulator(s). The TPAM is granted authority by you to manage and invest your assets with discretion as the advisor on the account. In this situation, we act as a solicitor for the TPAM and have only a limited amount of discretion to change the investment manager, unless you have expressly provided greater authority to us, but we have neither discretion nor authority to make individual security changes in these accounts. Clients referred to TPAM’s will receive full disclosure, including their services rendered, fee schedules and the TPAM’s brochure or equivalent disclosure document. The TPAM can impose a minimum dollar amount of initial assets for the investment advisory services as disclosed in the management agreement. These minimums can be waived at the TPAM's discretion. WRAP FEE PROGRAM: We are the sponsor and investment manager of the Asset Preservation Group’s Separately Managed Account Wrap Fee Program (APG Wrap Program). A “wrap-fee” program is one that provides the client with advisory and brokerage execution services for an all-inclusive fee. More detail on the Asset Preservation Group’s Separately Managed Account Wrap Fee Program may be found in Form ADV Part 2A Appendix 1. ASSETS UNDER MANAGEMENT As of December 31, 2023 Asset Preservation Group, Inc. has $259,725,522 discretionary assets under management, and approximately $3,649,873 in non-discretionary assets under management. APG Wrap Fee Schedule Assets Under Management APG’s Annualized Fee $0 to $1,000,000 1.00% $1,000,001 to $2,000,000 0.85% $2,000,001 to $4,000,000 0.75% $4,000,001 & Over 0.65% The WRAP fees include charges for all transactional costs and commissions on the purchase or sale of securities in the client’s wrap account. Except as provided, the client will incur no trading charges or fees other than the advisor’s fee pursuant to the above fee schedule in connection with the activity in the client’s wrap account. Fees are based on the percentages listed in the APG Wrap Fee Schedule. For purposes of fee calculation, all household accounts, at the end of the calendar quarter, are aggregated to determine AUM. Fees are calculated by multiplying the WRAP account value by the percentage per the APG Wrap Fee Schedule and dividing such product by four (4). Household is defined as related accounts: spouses and children under age 18, are combined for fee calculation purposes. We combine all assets under management (AUM) to assist you in meeting fee breakpoints and therefore lowering your overall fee level. Fee adjustments will not be made to reflect deposits in and withdrawals from an existing account (“capital flows”) during a calendar quarter but will be reflected in the following quarter’s billing. Fees for the initial opening quarter will be adjusted pro-rata based upon the number of calendar days in the calendar quarter that the assets are invested. The pro-rata fee will be the actual fee percentage the client will pay according to the firm’s APG Wrap Fee Schedule divided by 365 days, times the actual days remaining in the quarter, times the amount of assets in the client’s account. The actual days remaining in the quarter will begin when the assets are actually deployed in various investments and not when initially deposited into the account. Custody of client accounts for both securities and funds will be maintained at Charles Schwab, Inc. Neither APG nor its advisory agents are affiliates of Charles Schwab. The Custodian (Charles Schwab) will send to you a quarterly Account statement that shows the amount of our advisory fee charged on your WRAP account. Upon your request, we will provide a detailed accounting for the value of your assets upon which the fee was based, and the specific manner in which the fee was calculated.