FAQQ. Who is a typical client of Wagner Loftin Investment Services? A. Our typical client is a corporate retiree, many from Chevron Corporation. As our business has grown from the referrals of family and friends of our retirees, we currently work with a wide range of clients of all ages in all stages of their investment lives. Q. Are you accepting new clients?A. We take on new clients primarily by referrals from existing clients, CPAs, and Attorneys. We are always excited to meet new people, see if we are a good fit, and develop new relationships. Q. Do you require a minimum asset level to become a client?A. We are a multi-generational firm with a multi-generational client base. Our advisors range widely in age and experience. This allows us to service our client’s needs and our clients’ families needs throughout their life cycle and into future generations. We have the capability to assist the appropriate referral anywhere from the starting stages of growth investing through retirement and estate planning stages. To work with one of our senior advisors we may request a minimum account value of $500,000. Each of our advisors is a committed professional with the same philosophy of excellence as well as access to the same wide range of products, services and support. We work as a team. Q. Who is Osaic Wealth, Inc.?A. Osaic Wealth, Inc. is an independent broker dealer and unaffiliated third party. Osaic Wealth, Inc. provides us with legal, compliance, and supervisory oversight for our clients. Q. Who is Pershing LLC?A. Pershing is our clearing and custodial firm. For over 70 years, Pershing has been a leading global provider of financial business solutions to many of the world's most respected financial organizations. It remains focused on safekeeping, servicing, segregation, and reporting of assets held in custody. For more information about Pershing LLC, go to www.pershing.com. Q. Are you employed by Osaic Wealth, Inc. or Pershing LLC?A. No. Wagner Loftin Investment Services is an Independent Registered Investment Advisory Firm. Osaic Wealth, Inc. and Pershing LLC are third parties that provide services to us. Q. Who watches Wagner Loftin Investment Services?A. Osaic Wealth, Inc. provides legal, compliance and supervisory oversight. Representatives of Wagner Loftin Investment Services must demonstrate that we have followed industry standards in terms of investment recommendations and suitability for clients. We have an annual on-site audit conducted by Osiac Wealth, Inc. At this audit, our books and records are thoroughly reviewed over a one to two day period to ensure that we are complying with all the industry rules and regulations as well as Osaic Wealth, Inc. strict procedural requirements. Q. Do I have to sell my current investments to work with Wagner Loftin Investment Services?A. In most cases, you will not be forced to sell any particular investment in order to work with our firm. We have the ability to hold most types of investments and we are able to work with a variety of custodians. Each account is evaluated on a case by case basis in order to make the best possible decision for our clients and to facilitate a smooth transition. Q. Do you offer any insurance services?A. We offer Life Insurance, Long-Term Care Insurance, and variable annuity products. Product offerings are provided through a variety of insurance companies. (offered to CA state residents only and existing clients only). Q. Is my Pershing account covered by the SIPC?Pershing is a member of SIPC. Securities in your account are protected up to $500,000. For details, please see sipc.org.In addition to SIPC protection, Pershing provides coverage in excess of SIPC limits from certain underwriters in Lloyd's insurance market and other commercial insurers. The excess of SIPC coverage is valid through February 10, 2024, for Pershing LLC accounts. It provides the following protection for Pershing LLC's global client assets:An aggregate loss limit of $1 billion for eligible securities—in total for all client accounts custodied at PershingA per-client loss limit of $1.9 million for cash awaiting reinvestment—within the aggregate loss limit of $1 billionSIPC and the excess of SIPC coverage do not protect against loss due to market fluctuation. An excess of SIPC claim would only arise if Pershing failed financially and client assets for covered accounts—as defined by SIPC—cannot be located due to theft, misplacement, destruction, burglary, robbery, embezzlement, abstraction, failure to obtain or maintain possession or control of client securities, or to maintain the special reserve bank account required by applicable rules. Q. What are your fees?A. We have the capability to work on either an advisory fee basis or on a commission basis depending on which is the best fit for our clients. Our advisory fees are based on assets under management with our firm and as a clients' asset level increases, your fee percentage decreases. Q. What is included in your fees?A. We do not bill for additional advice or services beyond our stated fees. Q. How often will I receive reports from Wagner Loftin Investment Services?A. Reports are sent on a monthly and/or quarterly basis as appropriate. Clients can elect to "go paperless" on their accounts and receive statements, confirmations, and other documents online. Q. In the event of a natural disaster or national emergency, will I still be able to contact Wagner Loftin Investment Services and access my account?A. Wagner Loftin Investment Services has an Emergency and Disaster plan in place in the event of a natural disaster or national emergency. We will take the necessary steps to return to normal operations as soon as possible. If there has in fact been a disaster in our area and you are unable to contact us, you may contact either Osaic Wealth, Inc. at 800-552-3319 or the sponsor company for your particular account. (see your statement for phone number). Q. What is your policy protecting my privacy?A. Wagner Loftin Investment Services takes every precaution in protecting our client's privacy. For our advisory clients, we deliver once a year, or upon request, our policy in detail.Q. Can I view my account(s) on line?A. Yes, you can view your account(s) on line. Clients can go to the "client log in" section of our site for the appropriate web link. Q. Can I stop all the paper I am receiving in the mail?A. Yes! Once you have set your account(s) up for on-line viewing you may set up your accounts to go paperless. For accounts held at Pershing / Osiac Wealth, Inc. you may click the "go paperless" button and request account statements or notifications to be sent via e-mail. For accounts held at a sponsor company, follow the sponsor company instructions once you have on-line viewing capability.