Overview
A AG Financial, LLC (“AGF,” “firm,” “we,” “our,” and “us”) is an SEC registered investment
advisory firm based in Salt Lake City, Utah. We provide fee-only investment supervisory and
consulting services. The firm has been in business since 2006. The principal owner of the firm
is Aaron B. Graham. Our investment advisory services are driven by and coordinated with
each Client’s (“Client,” “you,” and “your”) individual financial goals. Our approach uses
broadly diversified portfolios and a systematic strategy to manage investments.
B, C We help Clients coordinate and prioritize their financial lives with all aspects of their life goals.
Our investment advisory services include development of Client specific strategic asset
allocation plans, security and investment product (or manager) due diligence and
recommendations, investment implementation, monitoring and portfolio rebalancing
activities, ongoing supervision of investments, and regular Client investment and performance
reporting.
Advice and services are tailored to the stated objectives of the Client(s). We discuss with the
Client in detail critically important information such as the Client’s risk tolerance, time
horizon, and projected future liquidity needs, current holdings, tax considerations, personal
market views, and other factors to formulate an investment policy. This policy guides us in
objectively and suitably managing the Client’s account. We meet with Clients as needed to
review portfolio performance, discuss current issues, and re-assess goals and plans. Client
input and involvement are critical parts of the
financial planning process and implementation
of investment decisions.
Clients may impose restrictions on investing in certain securities or types of securities. We
consider such restrictions when preparing a unique Investment Policy Statement for the
Client.
See Item 8 for a detailed description of our investment strategy.
We also provide services to pension and profit sharing plans. The typical services we offer
these clients include selection of investments, assessment of investments, and providing advice
and general education to individual participants. We may select investment options for plans
to make available to their participants and may include an evaluation of alternatives for the
plan’s Qualified Default Investment Alternatives, however, the final decision regarding
investments remains with the responsible plan fiduciary. Additionally, per the request of the
responsible plan fiduciary, we may conduct a periodic review of investments and investment
options. Reviews may be conducted on a quarterly, semi-annual, or annual basis. Finally, we
may also meet with plan participants regarding contributions and allocations among available
investment options within the Plan.
We follow strict fiduciary standards, putting our Clients’ interests before our own and seeking
to avoid conflicts of interest with our Clients.
D We do not manage, sponsor, or recommend any wrap fee programs to Clients.
E We manage $104,609,019 of Client assets on a discretionary basis and $766,470 of Client assets
on a non-discretionary basis. These amounts were calculated as of December 31, 2023.