Description of Services and Fees AG Asset Advisory, LLC is a registered investment adviser based in Los Angeles, California. We are organized as a limited liability company under the laws of the State of California. We have been providing investment advisory services since 2010. Anthony Glomski is our Managing Member and Owner. Currently, we offer the following investment advisory services, which are personalized to each individual client:
• Investment Management Services
• Wealth Advisory Consulting Services
• Pension Consulting Services
• Consulting Program The following paragraphs describe our services and fees. Please refer to the description of each investment advisory service listed below for information on how we tailor our advisory services to your individual needs. As used in this brochure, the words "we", "our" and "us" refer to AG Asset Advisory, LLC and the words "you", "your" and "client" refer to you as either a client or prospective client of our firm. Also, you may see the term Associated Person throughout this Brochure. As used in this Brochure, our Associated Persons are our firm's officers, employees, and all individuals providing investment advice on behalf of our firm. AG Asset Advisory, LLC offers investment advice with the assistance of its Investment Adviser Representatives (IARs). Investment Management We offer discretionary and non-discretionary continuous investment management services where the investment advice provided is tailored to meet your financial needs and investment objectives. We offer an initial consultation in which pertinent information about your personal and financial circumstances and objectives is collected, and the scope of the engagement is determined. Where we enter into a discretionary arrangement with you, you will grant us discretion and authority to manage your account subject to any written guidelines or restrictions that you may provide. Accordingly, we are authorized to perform various investment functions, at your expense, without further approval from you. Such functions may include the determination of securities and/or funds and the amount of securities to be purchased or sold. Once the portfolio is constructed, we will provide ongoing supervision and rebalancing of the portfolio as changes in market conditions and your individual circumstances may require. For non-discretionary investment management services, we will monitor your assets and will provide recommendations as to your asset allocation. You are free at all times to accept or reject any of our investment recommendation. Where we provide you with non-discretionary investment management services, we will implement recommendations only upon obtaining your prior approval. Our annual fee for investment management services is billed quarterly in advance based on the asset value of your portfolio on the last trading day of the previous quarter. In certain circumstances, in our sole discretion, other payment arrangements may be negotiated upon your request. Our fee will be assessed pro rata in the event the investment management agreement is executed at any time other than the first day of a calendar quarter. Our annualized fees for investment management services are based on the following blended tiered fee schedule: Assets Under Management Maximum Annual Advisory Rate ** Up to $2,000,000 1.25% $2,000,001 - $5,000,000 0.80% $5,000,001 - $10,000,000 0.75% $10,000,001 - $25,000,000 0.70% $25,000,001 - $50,000,000 0.50% $50,000,001 - $100,000,000 0.40% Above $100,000,000 Negotiable *We generally require a minimum account size of $5,000,000. In our sole discretion, we may waive or lower this fee. **Some clients may be subject to a different fee schedule that was effective at the time they became a client. We may negotiate investment management fees for managed accounts depending on factors such as the amount of assets under management, range of investments, and complexity of your financial circumstances, among others. In our discretion, we may negotiate fixed fees for our investment management services rather than charging a percentage of assets under management. If a fixed fee is negotiated, payment arrangements and all other terms will be evidenced in the investment management agreement that you sign with our firm. Also in our discretion, we may allow accounts of members of the same household to be aggregated for purposes of determining our fee. This consolidation practice is designed to allow you the benefit of an increased asset total, which could potentially result in a reduced advisory fee based on our above referenced fee schedule. You may request that we refrain from investing in particular securities or certain types of securities. You must provide these restrictions to our firm in writing. We typically require the payment of management fees be made by the custodian holding your funds and securities. We will deduct our advisory fee only when you have given our firm written authorization permitting the fees to be paid directly from your account. Further, the qualified custodian will deliver an account statement to you at least quarterly. These account statements will show all disbursements from your account. You should review all statements for accuracy. In limited circumstances, and upon your request, we may agree to directly invoice you for investment management fees. In such cases, fees will be payable as invoiced instead of directly debited. Either party may terminate the investment management agreement ("Agreement") within five days of signature without penalty or fees to you. Thereafter, we reserve the right to terminate the Agreement at any time. You may terminate the Agreement upon 15-day written notice to our firm. We are generally informed of a client termination by: (1) receiving ACAT notice from a broker; (2) receiving a letter directly from you with termination instructions (particularly on any position liquidations); or iii) verbal instructions from you. If you communicate this information verbally to us, a letter (written or electronic) will be sent to you acknowledging your desire to terminate, the date of termination, and fee payment/rebate instructions. The management fee will be prorated to the date of termination. Upon the termination, we will have no obligation to recommend or take any action with regard to the securities, cash or other investments in your account. If you have instructed us to liquidate certain positions in the account prior to closing, we will complete the trades to the best of our ability, taking into account the effects on the price at which the securities will be liquidated. WEALTH ADVISORY CONSULTING SERVICES AG Asset Advisory, LLC provides various levels of ongoing consultative services on a fee basis. The scope of and fee for such services varies according to the complexity of the client’s personal, family, business, investment and estate affairs. The areas that AG Asset Advisory, LLC may provide support, coordination and facilitation including, but not limited to, the following: Broad-based Financial Planning Investment Research and Administration Asset Allocation and Portfolio Management Cash Flow Management Record Keeping & Reporting Broad-based Financial Reporting Risk Management Tax & Compliance Business Planning Lifestyle Management Estate Planning and Administration Strategic Philanthropy & Administration Family Meetings & Education Family Legacy Planning The annual fixed fee and the payment arrangement are negotiated and agreed upon in advance by the client and AG Asset Advisory, LLC. The fixed fee is negotiable depending on the case complexity. Payments can be made by check or the client may elect to have such fee debited from a client designated account. The fee, payment arrangements, and all other important terms will be evidenced in the client agreement. Either party may terminate the Wealth Advisory Consulting Agreement within five days of signature without penalty or fees. Afterwards, either party may terminate the Agreement upon 15 day written notice to the other party. Upon termination of Wealth Advisory Consulting services, any prepaid but unearned fees will be refunded, and any earned but unpaid fees will be due and payable. Pension Consulting Services We also offer pension consulting services to employee benefit plans based upon an analysis of the needs of the plan. These services may include an existing plan review, formation of the investment policy statement, asset allocation advice, investment performance monitoring, and/or communication and education services where we assist the plan sponsor or plan

fiduciary in providing meaningful information regarding the retirement plan to its participants. However, we do not have discretion over the administration of the plan or the plan assets. The scope of these services, the fees, and the terms of the agreement for these services are negotiated on a case-by-case basis with each plan sponsor or plan fiduciary depending upon the on the complexity of the plan and the agreement with the plan sponsor or plan fiduciary. The terms regarding payment of fees, termination, and refund will be clearly set forth in the agreement executed between our firm and the plan sponsor or plan fiduciary. Our annualized fees for pension consulting services are based on the following tiered fee schedule: Assets Under Management Maximum Annual Advisory Rate ** Up to $1,000,000 0.95% $1,000,001 - $3,000,000 0.75% $3,000,001 - $5,000,000 0.65% $5,000,001 - $10,000,000 0.55% $10,000,001 - $25,000,000 0.50% $25,000,001 - $50,000,000 0.45% Above $50,000,000 Negotiable *Our firm generally charges a minimum of $7,500 for annual advisory fees for pension consulting services. In our sole discretion, it may waive or lower this account condition. Either party may terminate the Pension Consulting Agreement within five days of the date of acceptance without penalty or fees to the plan sponsor or plan fiduciary. After the five-day period, either party may terminate the Pension Consulting Agreement upon 30-day written notice to the other. Upon termination of pension consulting services, any prepaid but unearned fees will be refunded, and any earned but unpaid fees will be due and payable. These accounts are regulated under the Employee Retirement Income Securities Act ("ERISA"). We provide consulting services to the plan sponsor or plan fiduciary as described above. The plan sponsor or plan fiduciary must make the ultimate decision as to retaining the services of such investment advisers as we may recommend. The plan sponsor or plan fiduciary is free to seek independent advice about the appropriateness of any recommended services for the plan. The fees charged by our firm are calculated as described above, and are not charged on the basis of a share of capital gains upon, or capital appreciation of, the funds, or any portion of the funds of an advisory client. We do not represent, warrant, or imply that the services or methods of analysis used by our firm can or will predict future results, successfully identify market tops or bottoms, or insulate clients from losses due to market corrections. All material conflicts of interest under CCR Section 260.238 (k) are disclosed regarding our firm and our Associated Persons or any of our employees, which could be reasonably expected to impair the rendering of unbiased and objective advice. While we endeavor at all times to offer our clients our services at reasonable costs, the fees charged by other advisers for comparable services may be lower than the fees charged by our firm. General - Advisory Services to Retirement Plans and Plan Participants As disclosed above, we offer various levels of advisory and consulting services to employee benefit plans ("Plan") and to the participants of such plans (“Participants”). The services are designed to assist plan sponsors in meeting their management and fiduciary obligations to Participants under the Employee Retirement Income Securities Act (“ERISA”). Pursuant to adopted regulations of the U.S. Department of Labor, we are required to provide the Plan's responsible plan fiduciary (the person who has the authority to engage us as an investment adviser to the Plan) with a written statement of the services we provide to the Plan, the compensation we receive for providing those services, and our status (which is described below). The services we provide to your Plan and our compensation for these services are described above, and also in the service agreement. We do not reasonably expect to receive any other compensation, direct or indirect, for the services we provide to the Plan or Participants, unless the plan sponsor directs us to deduct our fee from the plan or directs the plan record-keeper to issue payment for our fee out of the plan. If we receive any other compensation for such services, we will (i) offset the compensation against our stated fees, and (ii) we will promptly disclose the amount of such compensation, the services rendered for such compensation and the payer of such compensation to you. Status We are a registered investment adviser under the laws of California, and represent that we are not subject to any disqualification as set forth in Section 411 of ERISA. To the extent we are performing Fiduciary Services, we are acting as a fiduciary of the Plan as defined in Section 3(21) under the Employee Retirement Income Security Act (“ERISA”). Selection of Other Advisers for Managed Accounts As part of our investment advisory services, we may recommend that you use the services of a third- party money manager ("MM") to manage your entire, or a portion of your, investment portfolio. After gathering information about your financial situation and objectives, we may recommend that you engage a specific MM or investment program. Factors that we take into consideration when making our recommendation(s) include, but are not limited to, the following: the MM's performance, methods of analysis, fees, your financial needs, investment goals, risk tolerance, and investment objectives. We will periodically monitor the MM(s)' performance to ensure its management and investment style remains aligned with your investment goals and objectives. Advisory fees charged by MMs are separate and apart from our advisory fees. Assets managed by MMs will be included in calculating our advisory fee. Advisory fees that you pay to the MM are established and payable in accordance with the brochure provided by each MM to whom you are referred. These fees may or may not be negotiable. You should review the recommended MM's brochure and take into consideration the MM's fees along with our fees to determine the total amount of fees associated with this program. In most instances, you will be required to sign an agreement directly with the recommended MM(s). You may terminate your advisory relationship with the MM according to the terms of your agreement with the MM. You should review each MM's brochure for specific information on how you may terminate your advisory relationship with the MM and how you may receive a refund, if applicable. You should contact the MM directly for questions regarding your advisory agreement with the MM. Consulting Program We offer consulting services (the "Consulting Program") that typically involve providing a variety of services, principally advisory in nature, regarding the investment of client's assets into certain pooled investment vehicles ("Pooled Investment Vehicles"). Clients participating in our Consulting Program are charged a management fee that may range up to 1% of committed capital or up to 1% of assets under management. Our management fee is billed either semi-annually in advance or quarterly in advance. In addition to our management fee, we charge a performance fee ranging up to 10% of the applicable profits that is billed annually in arrears. The performance fee will not be assessed on a return of the client's original capital contributions. We only charge performance-based fees for certain "qualified clients" that have at least $1,000,000 under management with our firm or that have certified to our firm that they have a net worth of at least $2,100,000 at the time of entering into any performance-based fee arrangement for advisory services. Clients may terminate services under our Consulting Program at any time by providing written notice. All terms agreed upon will be evidenced in the Consulting Program Agreement. Types of Investments for Managed Accounts We primarily offer advice on equity securities, corporate debt securities, certificates of deposit, municipal securities, investment company securities, US Government securities, private equity funds, hedge funds, and options contracts on securities. Additionally, we may advise you on any type of investment that we deem appropriate based on your stated goals and objectives. We may also provide advice on any type of investment held in your portfolio at the inception of our advisory relationship. Assets Under Management As of December 31, 2023, we provide investment advice to approximately $368,574,156 in client assets. This amount consists primarily of continuously managed assets, which include approximately $356,339,795 in client assets that are managed on a discretionary basis.