Firm Description Personal Asset Strategies, Inc. (“PAS”) was founded in 1991. PAS was formed for the purpose of, and continues to specialize in, providing personal financial advisory services and the creation and management of individually designed investment portfolios. PAS creates sophisticated strategies geared toward maximizing wealth and attaining specific financial goals for each individual client. We tailor our services to the individual needs of each client within the parameters of each client’s tolerance for risk, determined by an investment profile which we develop based upon our initial interview and subsequent discussions. All client assets are managed on a full discretionary basis with a view toward diversification based upon the client’s investment profile. This means that we maintain full authority to determine which securities and amount of securities will be bought or sold, without prior client approval. Using our Collaborative Wealth Management approach, PAS serves as each client’s financial manager to coordinate with other professionals (e.g., attorneys, accountants, insurance agents, etc.) on an as-needed basis. Based upon the perceived risk tolerance and financial/investment objectives of each client, PAS invests client funds in diversified equities including common stock, preferred stock, mutual funds, REITS, medium and long term fixed income investments such as U.S. Government/Agency bonds, municipal bonds and corporate bonds, cash and cash equivalents, and pooled investment real estate CPG vehicles. PAS will, where appropriate, employ options strategies with a view toward increasing returns and for leverage and/or hedging. Interest rate sensitive instruments may be used to capture returns evolving from changing market/economic conditions. Non-standard assets and/or private placements may be employed where appropriate. Lonnie M. Garber is the Managing Member of certain CPG Limited Liability Companies, each of which is a pooled investment vehicle for investment of client monies in singular real estate properties. From time to time, real estate investment opportunities arise which may be appropriate for certain qualified clients, taking into account, among other things, a client’s need for income with a possibility of a capital gain, and tolerance for lack of liquidity. In such circumstances, PAS may recommend investment by a client in a CPG pooled investment vehicle. PAS also recommends for investors with medium to high risk tolerance and sufficient assets participation in our Special Investment Group (“SIG”) which PAS has formed to take advantage of aggressive investment opportunities which may arise. Investments in SIG are made in increments of $100,000 and are treated as a separate investment vehicle with separate startup and other fees and expenses as outlined elsewhere in this Brochure. PAS is a fee-only investment adviser which receives no commissions from any outside sources. We are not affiliated with any entities which sell financial products; nor

do we receive any commissions in connection with the sale of such products. When unusual due diligence is required to evaluate a particular investment, PAS may receive reimbursement for expenses/time from the issuer of the investment. Principal Owners Lonnie M. Garber, CFP is the sole shareholder of PAS. Type of Advisory Services Serving as financial adviser to individuals, families, trusts and estates, we use a collaborative process to develop investment plans designed to enhance the financial lives of our clients. We frequently incorporate into our clients’ investment portfolios, strategies culled from experts in related disciplines to effectively address such areas as:  Tax reduction tailored to each client’s overall circumstances, including non-managed assets. For example, investment portfolio design may sometimes be used as an offset to the specific tax implications of a client’s business interests or the sale of real property;  Investment portfolio account titling and division of assets among accounts to be consistent with a client’s specific estate planning and other needs. Implementation of the technical instructions of estate planning or family law counsel, for example, is essential to ensure that legal planning comes to fruition as intended;  Investment portfolio allocations that are structured to meet individual time horizons for cash flow, projected lifestyle changes, etc. and designed to take into account non-managed assets, such as business interests, unusual real and personal property, etc.;  Investment portfolio arrangements that are consistent with Trust strategies to protect assets and meet the individual needs of beneficiaries; and which incorporate unique considerations which affect a client’s financial strategy, such as business succession planning, unusual family relationships, etc.  Occasionally, Lonnie M. Garber may be designated by a client to serve as a Personal Representative, Trustee or Executrix of a Trust or Estate. Types of Agreements The following agreements define the typical client relationship: Portfolio Management Agreement This Agreement sets forth in detail the relationship between each client and PAS, including, among other things, management of accounts, periodic performance statements, fees charged, selection of broker-dealer, term of representation, etc. Power of Attorney and Trading Authorization This Agreement provides PAS with full authorization to manage the client’s investments. Investment Policy Statement This Statement sets forth the financial/investment objectives of the client, level of risk tolerance, time horizon which may set specific goals, the anticipated overall portfolio structure and the amount of assets to be placed under management. Termination of Agreement The Portfolio Management Agreement may be terminated at any time by PAS or the client upon sixty (60) days’ written notice.