Personal Asset Strategies, Inc.

Personal Asset Strategies, Inc. (PAS) was established in 1991, specializing in providing personal financial advisory services and managing individually designed investment portfolios. PAS operates on a full discretionary basis, managing client assets with a focus on diversification based on each client's risk tolerance. The firm offers a Collaborative Wealth Management approach, coordinating with other professionals as needed. Investment strategies include diversified equities, fixed income investments, cash equivalents, and real estate investments. PAS is a fee-only advisor, not affiliated with entities selling financial products, and does not receive commissions. Management fees are up to 2% annually for assets under $2,000,000, with a minimum fee of 1.5%. PAS may recommend participation in the Special Investment Group for aggressive investors, with separate fees and expenses. Lonnie M. Garber is the Managing Member of certain pooled investment vehicles for real estate investments. PAS provides services to high net worth individuals, families, trusts, and religious institutions. The firm conducts detailed security analysis, employs various investment strategies, and discloses potential investment risks. PAS has no disciplinary history and maintains a Code of Ethics. Lonnie M. Garber serves as Trustee of certain trusts and as Managing Member of limited liability companies for real estate investments. The firm has a Business Continuity Plan and an Information Security Program in place. PAS maintains client privacy and does not vote client securities proxies. The firm does not have physical custody of client funds, except for certain real estate investments and trusts. Key executives include Lonnie M. Garber, Jeffrey B. Garber, and Amanda Jones, each bringing expertise in financial planning, legal, and operational management. Melissa C. Quiroz serves as the Operations Manager, overseeing day-to-day activities and compliance requirements.