KOSHINSKI ASSET MANAGEMENT, INC.

The advisory business offers financial planning services with fees described in the Investment Advisory Services Agreement. Clients can choose a modular approach focusing on a specific area or a broader financial review covering multiple topics. This allows clients to work on a short-term, project retainer basis without using investment management services. After analyzing and evaluating a client's situation, a written report summarizing findings, potential decision points, possible strategies (including pros and cons), recommended courses of action, and action items is generally presented. However, in certain circumstances, as agreed with the client, a report may not be issued. The advisory business does not have discretionary investment authority when providing hourly financial planning and consulting services.

The investment strategies used include long-term purchases (held at least a year), short term purchases (held less than a year), trading (sold within 30 days), margin transactions, and option writing (selling an option). The firm also utilizes asset allocation, portfolio individualized portfolio monitoring, consolidated reporting, and most management. The firm offers different models, such as the Conservative Model (income with reasonable risk) and the Aggressive Model (long-term capital appreciation). Participants can invest in one or more models or individual funds. When providing individual investment advice, the firm recommends investment in one model that aligns with the participant's investment objectives, time horizon to retirement, anticipated retirement income needs, and risk tolerance.

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