Form ADV Part 2A, Item 4 The U.S. Securities and Exchange Commission granted Asset Advisory Group, Inc.’s registration on April 26, 2000. Paul Bernard Zoch, CFP® (CRD Number 727907) is President and Chief Compliance Officer of the firm. As of January 2023, Mr. Zoch owns seventy (70%) percent and Amanda Z. McGrath, CFP® owns thirty (30%) percent of the equity of the firm. The firm is not publicly owned or traded. There are no indirect owners of the firm or intermediaries who have any ownership interest in the firm. The firm manages each client’s portfolio on an individualized basis. Clients may impose restrictions on their accounts. The firm does not participate in wrap programs. As of December 31, 2022, the firm managed $56,712,436 on a discretionary basis and $272,957,113 on a nondiscretionary/discretionary basis. Firm offers to provide full and hourly service financial planning (including an annual update service) and asset management services. Financial planning advice will include advice on matters not involving securities. Our services are offered to individual and corporate clients. Our firm's financial planning advice includes, but is not limited to, oral advice, written analysis and reports and computer-generated analysis, all of which attempt to provide the client with a financial blueprint designed to achieve their stated financial goals and objectives. In general, a full-service client may receive a written plan which will address some or all of the following areas: a) Investment Planning b) Risk Management c) Tax Planning d) Budgeting and Emergency Fund Planning e) Retirement Planning f) Estate Planning g) College Educational Cost Planning Required information will be gathered through personal interviews, client statements and related documents supplied by the client. Implementation is entirely at the client's discretion. However, it is noted that a recommendation in isolation may be counterproductive and should be discussed with the Firm prior to any client taking any such action. FULL SERVICES FEE SCHEDULE Financial planning services are provided for on a fixed-fee basis. Fixed fees for full service generally ranges from $1,500.00 to $15,000.00 (hourly fees can also be arranged in certain circumstances). The fee is based upon the extent and complexity of each individual client's specific financial and/or personal circumstances. An exact fee will be agreed upon in advance. Unless altered by negotiation, fifty (50%) percent of the agreed upon fee is due and payable upon execution of the Advisory Agreement. The balance of such fees shall be due and payable upon delivery of the financial plan or financial advice. All financial plans and reviews are usually delivered to a client within 90 days. However, it is noted that a client must deliver required information, in a timely manner, for us to perform our duties. ANNUAL PLAN UPDATE In subsequent years, any client may elect to receive an update to the original financial plan and an additional year of consultation. The fee for this service will be quoted and adjusted prior to contract execution. This fee is due and payable upon presentation of the updated plan. ASSET MANAGEMENT SERVICES Our firm also provides non-discretionary/discretionary asset management services on a continuous basis. Clients contracting for this service will receive investment advice designed to meet their long-term investment goals. Our firm will first define the specific client objectives, and then structure advice to meet those needs and objectives. Dependent upon varying client needs, recommendations may range from total fixed income to total equity, with risk parameters varying from conservative to aggressive. The aim of the service is to preserve and enhance the purchasing power of capital over an extended time period, based upon specific client objectives. ASSET MANAGEMENT FEE SCHEDULE Asset management fees for non-discretionary/discretionary accounts

are based upon the dollar value of each portfolio(s) or can be a fixed flat charge. Clients will be invoiced, in advance, on a quarterly basis. Annual fees range from 0.25% to 1.00% of a client’s assets under management irrespective of whether such management is performed on a discretionary basis or a nondiscretionary basis. Firm may debit advisory fees directly from the client account. It is disclosed that (1) the advisory client provides a written authorization permitting the adviser's fees to be paid directly from the client's account held by an independent custodian or trustee; (2) the adviser sends to the client a bill showing the amount of the fee, the value of the client's assets on which the fee was calculated; and (3) the custodian or trustee agrees to send to the client a statement, at least quarterly, indicating all amounts disbursed from the account including the amount of advisory fees paid directly to the adviser. It should be noted that all of the above-stated percentage fee standards are negotiable and that these stated percentages are to be used as general guidelines only. Firm does not accept commissions or 12b-1 fees as compensation for investment advisory activities. Firm is compensated on a fee-only basis for these services. It should be noted that mutual funds pay advisory fees to their investment advisers and such fees are therefore indirectly charged to all holders of mutual fund shares. Clients with mutual funds in their portfolios are effectively paying both the Firm and the mutual fund adviser for the management of their assets. Clients who place mutual fund shares under the Firm’s management are therefore subject to both the Firm’s direct management fee and the indirect management fee of the mutual fund’s adviser. HOURLY CONSULTATION SERVICES Clients not in need of our full-services financial planning can receive investment or financial planning advice on a more limited basis. In this case, Firm will provide periodic advice on all or part of the above-listed areas of concern. This service is designed for clients who may not need or require full-service advice and includes the rendering of oral advice by the Firm or a single written analysis or report on a specific topic(s), such as estate, retirement, education, tax planning, investment planning or any one or more limited areas of interest. Firm's services include advice on non-securities matters. This can be in connection with providing financial planning services which relates to the rendering of advice on estate planning, tax planning, cash flow, investment planning or strategic planning. LIMITED SERVICES.............................................................................HOURLY SCHEDULE Services provided on an hourly basis are computed at a maximum rate of $750.00 per hour for principal and/or other associates. Staff’s professional time is billed out at a rate of $50.00 per hour. One hour of professional time is payable upon signing the Contract. Additional hours will be invoiced as incurred. Fees are due and payable within 30 days of invoice date. TERMINATION POLICY Any financial or advisory agreement may be canceled at any time by either party for any reason, upon receipt of written notice. At that time, all prepaid, unearned fees will be promptly refunded. In the event that a client cancels the agreement within five (5) business days of the initial engagement, Firm will make a full refund. The termination policy is not negotiable; however, in isolated cases, based upon unique circumstances and/or relationships, the fee may be waived in whole or in part at the discretion of Firm. Firm does not base his fees on the capital gains or the capital appreciation of any funds or any part of any funds of any client. Firm on occasion may sponsor seminars for educational purposes, which treat various financial planning topics. No client pays any form of fee in order to attend such seminars.