# GARY HOCH AGENCY, INC. X-17A-5 (2026-04-13) — Broker-dealer annual report - Company: GARY HOCH AGENCY, INC. - Form: X-17A-5 - Filed: 2026-04-13 - Period: 2025-12-31 - Accession: 0000315242-26-000003 - CIK: 315242 - File #: 8-24582 - Type: Broker-dealer - Material weakness: No - Auditor: OHAB AND COMPANY, PA - Auditor location: MAITLAND, FL - Contact: GARY A HOCH - Phone: 7168811991 - Email: gary@garyhochagency.com - Website: garyhochagency.com - Signed by: GARY A HOCH (PRESIDENT) Original filing: https://www.sec.gov/Archives/edgar/data/315242/000031524226000003/2025formx-17a-5conf.PDF --- {0}------------------------------------------------ CONFIDENTIAL TREATMENT REQUESTED UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 ## ANNUAL REPORTS # FORM X-17A-5 PART III | OMB APPROVAL | |---------------------------| | OMB Number: 3235-0123 | | Expires: Nov. 30, 2026 | | Estimated average burden | | hours per response:
12 | | | SEC FILE NUMBER 8-24582 FACING PAGE Information Required Pursuant to Rules 17a-5, 17a-12, and 18a-7 under the Securities Exchange Act of 1934 | MM/DD/YY | MM/DD/YY | |------------------------------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------| | | | | A. REGISTRANT IDENTIFICATION | | | INC . | | | | [_] Major security-based swap participant | | | | | | | | | | | NY | 14217 | | (State) | (Zip Code) | | | | | | 716-881-1991 gary@garyhochagency.com | | | (Email Address) | | | | | | | | | | | | | | | 32751
FT. | | | (State)
(Žip Code) | | | 1839 | | | (PCAOB Registration Number, if applicable) | | | | | | NAME OF FIRM: GARY HOCH AGENCY,
TYPE OF REGISTRANT (check all applicable boxes):
[J Security-based swap dealer
C Check here if respondent is also an OTC derivatives dealer
ADDRESS OF PRINCIPAL PLACE OF BUSINESS: (Do not use a P.O. box no.)
(No. and Street)
PERSON TO CONTACT WITH REGARD TO THIS FILING
(Area Code - Telephone Number)
B. ACCOUNTANT IDENTIFICATION
INDEPENDENT PUBLIC ACCOUNTANT whose reports are contained in this filing*
(Name - if individual, state last, first, and middle name)
100 E SYBELIA AVE. SUITE 130
MAITLAND
FOR OFFICIAL USE ONLY | \* Claims for exemption from the requirement that the annual reports of an independent public accountant nust be supported by a statement of facts and circumstances relied on as the basis of the exemption. See 17 CFR 240.17a-5(e)(1)(ii), if applicable. Persons who are to respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB control pumber displays a currently valid OMB control number {1}------------------------------------------------ #### OATH OR AFFIRMATION ! \_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_ as officer, director, or equivalors norrect. I further swear (or affirm) that neither the company nor any partner, officer, director, or equivalent person, a the case (or annum) filter me company nor any as that of a customer as that of a customer. Signature: Title: REGIDEN This filing\*\* contains (check all applicable boxes): - 区 (a) Statement of financial condition. - □ (b) Notes to consolidated statement of financial condition. - 80 (c) Statement of income (loss) or, if there is other comprehensive income in the period(s) presented, a statement of comprehensive income (as defined in § 210.1-02 of Regulation S-X). - 8 (d) Statement of cash flows. - ሬ (e) Statement of changes in stockholders' or partners' or sole proprietor's equity. - □ (f) Statement of changes in liabilities subordinated to claims of creditors. - 8 (g) Notes to consolidated financial statements. - (h) Computation of net capital under 17 CFR 240.15c3-1 or 17 CFR 240.18a-1, as applicable. - (i) Computation of tangible net worth under 17 CFR 240.18a 2 - മ്മം (j) Computation for determination of customer reserve requirements pursuant to Exhibit A to 17 CFR 240.15c3-3. - [] (k) Computation for determination of security-based swap reserve requirements pursuant to Exhibit B to 17 CFR 240.15c3-3 or 1 Exhibit A to 17 CFR 240.18a-4, as applicable. - [] (I) Computation for Determination of PAB Requirements under Exhibit A to § 240.15c3-3. - 8 (m) Information relating to possession or control requirements for customers under 17 CFR 240.15c3-3. - C (n) Information relating to possession or control requirements for security-based swap customers under 17 CFR 240.15c3-3(p)(2) or 17 CFR 240.18a-4, as applicable. - 校 (o) Reconciliations, including appropriate explanations, of the FOCUS Report with computation of net capital or tangible net worth under 17 CFR 240.15c3-1, 17 CFR 240.18a-1, or 17 CFR 240.18a-2, as applicable, and the reserve requirements under 17 CFR 240.15c3-3 or 17 CFR 240.18a-4, as applicable, if material differences exist, or a statement that no material differences exist. - E. (p) Summary of financial data for subsidiaries not consolidated in the statement of financial condition. K. - X (q) Oath or affirmation in accordance with 17 CFR 240.17a-5, 17 CFR 240.17a-12, or 17 CFR 240.18ao7, as applicable. - L. [t] Compliance report in accordance with 17 CFR 240.17a-5 or 17 CFR 240.18a-7, as applicable. - 8 (s) Exemption report in accordance with 17 CFR 240.17a-5 or 17 CFR 240.18a-7, as applicable. - [] (t) Independent public accountant's report based on an examination of the statement of financial condition. - ( (u) Independent public accountant's report based on an examination of the financial constitution. ( ( ( ( ) ( 0 1 3 17 65 ( ) 2 ( 1 ( ) 2 ( 1 ) ( 1 ) ( ) ( ) ( ) ( ) ( ) CFR 240.17a-5, 17 CFR 240.18a-7, or 17 CFR 240.17a-12, as applicable. - [ { \v] Independent public accountant's report based on an examination of certain statements in the compliance report under 17 CFR 240.17a-5 or 17 CFR 240.18a-7, as applicable. - X | (w) Independent public accountant's report based on a review of the exemption report under 17 CFR 240.17a-5 or 17 CFR 240.18a 7, as applicable. - E (x) Supplement al reports on applying agreed-upon procedures, in accordance with 17 CFR 240.17a 12, 12, 12, 12, 12, 12, 12, 12, 12, 12, 12, 12, 12, 12, 12, 12, 12, 12, 12 as applicable - 1 (y) Report describing any material inadequacies found to have existed since the date of the previous audit, or a statement that no material inadequacies exist, under 17 CFR 240.17a-12(k). - □ (z) Other: \_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_ - \*\* To request confidential treatment of certain portions of this filing, see 17 CFR 240.17a-5(e)(3), os 17 CFR 240.18a-7(d)(2), os applicable. {2}------------------------------------------------ # GARY HOCH AGENCY, INC. INDEX TO FINANCIAL STATEMENTS DECEMBER 37.2025 | Report of Independent Registered public Accounting Firm | 1 | |-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|------| | Statement of Financial Condition | L | | Statement of Operations | 3 | | Statement of Changes in Shareholders Equity | 4 | | Statement of Cash Flows | 5 | | Notes to Financial Statements | 6-11 | | Schedule - Computation of Net Capital | t2 | | Schedule ll - Computation for determination
of reserve requirements and information
relating to possession or control requirements
under rule l_5c3-3 of the Securities and
Exchange Commission | 13 | | Independent Registered Public Accountant,s Review Report
on Statement of Exemption from Rule 15c3-3 | 1AI1 | | Statement of Exemption from Rule 15c3-3 | 1) | {3}------------------------------------------------ ![](_page_3_Picture_0.jpeg) 1001 Sybelia Ave. Suite 130 Martland 11, 32751 Certified Public Accountants 114 per 14,0 pr. Telephone 407-740-7311 Fax 407-740-6441 # REPORT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM To the Stockholders of Gary Hoch Agency, Inc ### Opinion on the Financial Statements We have audited the accompanying statement of financial condition of Gary Hoch Agency, lnc. as of December 31, 11, 2011 - 12:51 as Boompany in the new of the new of Gary Hoch Agency, Inc. as of Becember 31, 2017 2025 the related stations of operations changes and randers and cash flow and the related not specifical thankes in sinal clife in the year heast his vear hear man anded present farly in all material respects the financial statements ). In on opinion, the financel statements and the results of its operations and its case flows for the users; and the results of its operations of the year hen ended in conformly with as of Deember 31, 2025 and the results of its operations and its cash flows for the year then ended generally accepted in the United States of America #### Basis for Opinion These financial statements are the responsibility of Gary Hoch Agency, Inc. management Our responsibility is to express an opinion on Gary Honky of Oaly not Agency, Inc. Thanks on our audit We are a public We are a public We are a public We are a public accounting firm registered with the Public Company no ormance states (PCA) be independent with respect to Gary Hoch Agency ho in accordance with the U S federal securites to and arequired to applicable rules and reoulations of the Securities and E applicable rules and regulations of the Securities and Exchange Commission and the PCAOB We conducted our audit in accordance with the standards of the PCAOB Those standards require that we plan and perform the audit to obtain reasonable assurance about whether the financial statements are free of material misstatement of the finances fraud Our audit meluded performing procedures to assess the neks of materal misstement of the financial statements, whener due to error of fraud, and performing procedures that respond to those risks Such procedures included examing, on a test basis evence regarding the amounts and disclosures in the finances nouted examing, on a test basis, evidence regarding the amounts and significant estimates made by management, as well as evaluating the overall presentation of the financel statements We believe that our audit provides a reasonable basis for our opinion # Auditor's Report on Supplemental Information The Schedule I. Computation of Net Capital Under Rule 15c3-1 of the Securities and Exchange Commission and Schedule II Computation of Reserve Requires and Information Relating Commesion and Control Requirements Under Rule 15c3-3 of the Securities and information Relating to Posession of audit procedures performed in conjunction with the audit of Gary Hoch Agency, Inc.'s financial statements The supplemental information is the suponsibility of Gary Hoch Agency, Inc.'s mancal statements The Manal Staments The included determing whether the supplemental information reconciles to the financial statements or the underlyng accounting and other records, and perforning procedures to the information statements of the underlyng the information presented information in formation in torning our opinion on the supplemental information we evaluated whether the supplement in in internation on the supplemental information 17 C F R \$240 17a-5 In our opping the Schodule 17 C F R §240 17a-5 In our opinion including is nom and content. Is presented in conformiy with Securities and Exchange Commission of Schedule in Oction Internation of Reserv 1 of the 15c3-1 of the and Information Relains of Control Requirements Inder Rule 150-300 the Securities and Exchange Commission are fairly stated on of Socobion of Securements Onliber (on 150.3-30) the Securities and and the company of We have served as Gary Hoch Ägency Inc s auditor sınce 2018 Maitland Florida March 23, 2026 {4}------------------------------------------------ ### Gary Hoch Agency, Inc. Statement of Fina ncial Condition December 31,,2025 #### Assets | Cash
Money Market Account at fair market value
FINRA Account
Commission Receivable | S 3,767
50,000
822
16,305 | |--------------------------------------------------------------------------------------------------------------|------------------------------------| | Total Assets | 5l0,gg4 | | Liabilities and Shareholders' Equity | | | Lia bilities | | | Accounts payable and accrued expenses | )
zr5 | | TotalLiabilities | S zrs | | Shareholders'Equity | | | Common stock, no par value; 200 shares authorized,
100 shares issued and outstanding
Retained Earnings | S so,ooo
20,679 | | Total Shareholders' Equity | 70,679 | | Total Liabilities and Shareholders, Equity | 5__70-gg4 | {5}------------------------------------------------ ## Gary Hoch Agency, Inc. Statement of Operations For the Year Ended December 31, 2025 #### Revenue | Mutual Fund income and Distribution Fees | \$ 174,027 | |----------------------------------------------------|-------------------| | Fee income from Income Tax Returns | 10,525 | | Dividend Income | 1,869 | | | | | Total Revenue | 186,421 | | Expenses | | | Salaries | 36,000 | | Pension expense | 9,000 | | Rent | 9,600 | | Office supplies and expense | 3,852 | | Payroll taxes | 3,065 | | Professional fees | 5,990 | | Repairs and maintenance | 4,096 | | Meals and entertainment | 1,649 | | Auto expense | 776 | | Regulatory fees | 2,537 | | Insurance | 3,959 | | Software maintenance | 2,916 | | Telephone and internet | 3,315 | | Dues and subscriptions | 1,848 | | Continuing education | 283 | | Postage and express delivery | ਟ 34 | | Security | 326 | | Sales promotion | 488 | | Computer Maintenance | 681 | | Fees paid to related party | 30,000 | | Bank fees | 141 | | Total Expenses | | | Income before Provision for NY State Franchise Tax | 121,056 | | Provision for NY State Franchise Tax | 65,365 | | Net Income | 25
S
65.340 | | | | See accompanying notes to financial statements {6}------------------------------------------------ Gary Hoch Agency, Inc. Statement of Changes in Shareholders, Equity For the Year Ended December 31,2025 | | Common Retained
Stock Earnings Total | | |-----------------------------------------------|-----------------------------------------|--------| | Balance December 31,2024 S SO,OOO S ZA,S:g \$ | | ZA,::S | | Net lncome | 65,340 | 65,340 | | Shareholder Distributions | | | | Balance December 3I,2O2S L_5q@ ! jlq@ | | LZQJZ2 | See accompanying notes to financial statemenrs {7}------------------------------------------------ ### Gary Hoch Agency, Inc, Statement of Cash Flows For the Year Ended December 31.,ZOZI # Cash Flows from Operating Activities: | Net lncome
Adjustments to reconcile net income to net
cash provided by (used in) operating activities: | S os,gqo | |--------------------------------------------------------------------------------------------------------------|----------------| | FINRA Cash Accounr
Commission Receivable | (822)
5,944 | | Total Adjustments | ) 5,LtZ | | Net cash provided by Operating Activities | 70,462 | Cash Flows from Financing Activities: | Shareholder Distributions | (73,000) | | |-----------------------------------------------------------------------------------------------------------|------------------|----| | Net Cash Used in Financing Activities | (73,000) | | | Net change in Cash and Cash Equivalents | (2,s38) | | | Cash and cash Equivalents - Beginning of year
Cash and Cash Equivalents - End of year | 6,30s
S 3,161 | | | Supplemental Disclosure of Cash Flow Information:
Cash Paid During the year for Ny State Franchise Tax | | 25 | See accompanying notes to financial staternents {8}------------------------------------------------ # GARY HOCH AGENCY, INC. NOTES TO FINANCIAL STATEMENTS DECEMBER 3L,2025 #### 1. THE COMPANY Gary Hoch Agency, Inc. (Company) is a broker/dealer registered with the Securities and Exchange Commission (sEC) and is a member of the Financial Industry Regulatory Authority (FINRA)' The company effects transactions in variable contracts and investment company shares (mutualfunds)on an apprication way basis pursuant to r.5c-3 subparagraph (k)(1). The company is engaged in a single line of business as securities broker-dealer, which is comprised of only the sale of Mutual Funds and Variable Annuities. #### SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES ') Basis of Accounting -The company reports on the accrual basis of accounting, which recognizes revenues when earned and expenses when incurred. Use of Estimates - The preparation of financial statements in conformity with accounting principles generally accepted in the United States of America requires management to make estimates and assumption that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities at the date of the financial statements and the reported amounts of revenues and expenses during the reporting period. Actual results could differ from those estimates. Cash and Cash Equivalents - The Company considers all highly liquid investments with an original maturity of 3 months or less to be cash equivalents for the purposes of the cash flows. Commission Receivable - The Company has commission receivable that arise from mutual fund trails. The Company has not recorded an allowance for commissions receivable since, in the opinion of the management, such amounts are fully collectible as they have been recorded based on amounts received in the subsequent month. #### Revenue Recognition Commissions - Commissions from the sale of Mutual Funds and Variable Annuities and 12b-1 Fees are recorded as revenue on the trade date because this is when the companv believes its performance obligation is fulfilled. Distribution fees - The Company enters arrangements with manageo accounts or other pooled investment vehicles (funds) to distribute shares to investors. The company may receive distribution fees paid by the fund up front, over time, upon the investor's exit from the fund (that is, a contingent deferred sales charge), or as a combination thereof. The company believes that its performance obligation is the sale of securities to investors and as such this is fulfilled on the trade date. Any fixed amounts are recognized on the trade date and variable amounts are recognized to the extent it is probable that a significant revenue reversal will not occur once the uncertainty is resolved. For varlable amounts, as the uncertainty is dependent on the value of the shares at future points in time as well as the length of time the investor remains in the fund. {9}------------------------------------------------ ### GARY HOCH AGENCY, INC. NOTES TO FINANCIAL STATEMENTS DECEMBER 3T,2025 #### 2. SUMMARY oF srGNrFrcANT AccouNTrNG poLrcrES continued both of which are highly susceptible to factors outside the company's influence, the company does not believe that it can overcome this constraint until the market value of the fund and the investor activities are known, which are usually monthly or quarterly. Distribution fees recognized in the current period are primarily related to performance obligations that have been satisfied in prior periods. lnvestments - Investments consist of investment company shares held at an investment company' Investments are recorded at fair market value and any gain or loss is reported in operations in the period realized. Property, Equipment and Depreciation - Property and equipment are stated at cost. When retired orotherwise disposed of, the reiated cost and accumulated depreciation are cleareo from the respective accounts and the net difference, less any amount realized from the disposition, is reflected in the Statement of Income. Depreciation is computed using the straight-line method over the following estimated useful lives: Computers 5 Years. Equipment, Furniture, and fixtures 7 years. lncome Taxes -The company does not pay federal income taxes on its income. lnstead, the Company's income, deductions and other income tax attributes are reported to each shareholder based on their respective ownership and included in their respective income tax returns' The Company does, however, pay minimum franchise taxes in each state in which it conducts business. The company adopted the provisions of Financial Accounting Standards Board Accounting Standards Codification (FASB ASC) 740-10 pertaining to accounting for uncertainty in income taxes. Federal and state tax authorities generally havetherighttoexamineandauditthepreviousthreeyearsoftaxreturnsfiled. Anv interest and penalties assessed to the company would be recorded in operating expenses. No items have been recorded in 2025. Management is not aware of any uncertain tax positions requiring measurement or disclosure in these financial statements. Credit Losses - The Company follows ASC Topic 326, Financial Instruments - Credit Losses ("ASc 326"). ASC impacts the impairment model for certain financial assers by requiring a current expected credit loss ("GECL") methodology to estimate expected credit losses overthe entire life of the financialasset. Underthe accounting update, the Company has the ability to determine that there are no expected credrt losses in certain circumstances (e.g., based on the credit qualityof the customer). The company had accounts receivable as of December 3L, 2024, and 2o2s of S22,z4g and S16,305 respectively. {10}------------------------------------------------ # GARY HOCH AGENCY, INC. NOTES IO FINANCIAL STATEMENTS DECEMBER 3!,2025 # 3. FAIR VALUE OF FINANCIAL INSTRUMENTS The fair value of the company's financial instruments is determined by using available market information and appropriate valuation methodologies, The Company's principalfinancial instruments are cash, receivables, investments, and payables. At December 3l\_,2025, cash. receivables, and payables, due to their short maturities, and liquidity, are carried at amounts which reasonably approximate fair value. The Company measures the fair value of its financial instruments using the procedures set forth below for all assets and liabilities that fall in the scope of this accounting guidance, Under FASB ASc 820, fair value is defined as the price that would be received to sellan asset or paid to transfer a liability (an exit price) in the 'principal or most advantageous rnarket for the asset or liability in an orderlv transactron between market participants on the measurement date. FASB ASc 825, Financial Instruments, establishes a fair value hierarchy that prioritizes the inputs to valuation techniques used to measure fairvalue. This hierarchy consists of three broad levels: Level 1 inputs consist of unadjusted quoted prices in active markets for identical assets and have the highest priority, while level 3 inputs have the lowest priority. The Company uses appropriate valuation techniques based on the available inputs to measure the fair value of its investments. When available, the Company measures fair value using Level 1 inputs because they generally provide the most reliable evidence of fair value. Level 1 Inputs to the valuation methodology are unadjusted quoted prices for the ldenticalassets or liabilities in active markets that the Company has the Ability to access, The following presents the Company's December 31. 2025 assets and liabilities that are measured at fair value on a recurring basis and are categorized using the fair value hierarchy. | | Level i.
'- | | Level2 ,Level3 | Total | |-----------------------------------|-----------------------|----|----------------|----------| | Securities owned | s 50,000 | 00 | | s 50,000 | | Securities sold not yet purchased | 0 | 00 | | n | | Investment at fair value | q qn nnn
i Jvtvvv, | 00 | | | # 4, PROPERTY AND EQUIPMENT Property and equipment consists of the following as of December 3L,2ozs: - | Computers and Equipment | at; ) !2,+45
I
a; | |--------------------------------|-------------------------| | Furniture and Fixtures | _ 8.063 | | | 20,506 | | Less; Accumulated depreciation | {20,506) | | | )
--u- | {11}------------------------------------------------ # GARY HOCH AGENCY, INC. NOTES TO FINANCIAL STATEMENTS DECEMBER 3t.2025 # 5. NET CAPITAL REQUIREMENTS The Company is subject to the Securities and Exchange Commission Uniform Net Capital Rule (SEC Rule 15c3-L), which requires the maintenance of minimum net capital and requires that the ratio of Aggregate indebtedness to net capital, both as defined, shall not exceed j.5 to 1. At December 31',2025, the company had net capital of S s3,374 which was S 4g,374 in excess of its required net capital of S 5,000 and a ratio aggregate indebtedness to net capital of 0.40 to 1. # 6. INCOME TAX MATTERS The company, with the consent of its shareholders, has elected to be taxed as an S corporation. These sections of federal and state tax law provide that, in lieu of a corporate level tax on income, the shareholders separately account for their pro rata shares of the Company'sitemsof income,deductions, lossesandcredits. Asaresultofthiselection,no federal taxes have been recognized in the accompanying financial statements. The company is subject to a minimum Franchise tax. As of L2/3U2025, the income tax provisions consrsr of the following: state Taxes 5 25 Total Income Tax provision \$ 2s state Income Taxes are provided for the tax effects of transactions reported in the Financial Statements and consist of taxes currently due plus deferred taxes related to differences between the financial and income tax basis of assets and liabilities. The deferred tax assets and liabilities, if any, represent the future tax return consequences of those differences, which will either be taxable or deductible when the assets and liabilities are recovered or settled. # 7, PENSION PLAN The Company adopted a retlrement plan established under the provisions of Section 40 j.K of the lnternal Revenue Code effectiveJanuary 1,2OO7. The plan covers substantially all employees who have attained age 2L and have completed one year of service. 1,000 hours of service per year is required to count as 1 year. The Corporation's contributions are entirely discretionary upon the director's approval. Contributions to the plan forthe vear December 31,,2025 amounted to S 9,000. {12}------------------------------------------------ # GARY HOCH AGENCY, INC. NOTES TO FINANCIAL STATEMENTS DECEMBER 3L,2025 # 8. CONCENTRATION OF CREDIT RISK The company's financial instruments that are exposed to concentration of credit risk thar consist primarily of cash and cash equivalents, commissions receivable and accounts receivable' The Company maintains its cash in bank demand deposit accounts, which, at times, may exceed federally insured limits. The Company's commissions receivable is due from large financial institutions from selling financial instruments. commissions are normally paid within thirty days of the transaction. The company has not experienced any losses in these accounts and believes it is not exposed to any significant credit risk with respect to its cash and cash equivalents, commissions receivable and accounts receivable. # 9. SEGMENT REPORTING The company is engaged in a single line of business as a securities broker-dealer, which is comprised of onlythe sale of Mutual Funds and Variable Annuities. The company has identified its President as the chief operation decision maker ("CoDM-), who uses net incometo evaluate the results of the business, predominantly in the forecasting process, to manage the Company. Additionally, the CoDM uses excess net capital (see Note 5), which is not a measure of profit and loss, to make operational decisions while maintaining capital adequacy, such as whether to reinvest profits or pay dividends' The Company's operations constitute a single operating segment and therefore, a single reportable segment because the CODM manages the business activities using information of the Company as a whole. The accounting policies used to measure the profit and loss of the segment are the same as those described in the summary of significant accounting policies. #### 10. COMMITMENTS AND CONTINGENCIES company leases office and storage space under an operating agreement that expired on December 31',2025. Total expense amounted to S 9,600 for the year ended December 31, 2025No future minimum lease payments are required under the lease as the lease was rewritten for one year and a new one will be signed each year for a one year period. The Company does not have any other commitments or contingencies as of j-2/3I/2025. {13}------------------------------------------------ # GARY HOCH AGENCY, INC, NOTES TO FINANCIAL STATEMENTS DECEMBER, 31,.2025 #### 11. SUBSEQUENT EVENTS Management has evaluated subsequent events through the date of the auditors, report, which is the date the financial statements were available for issue, and has determined there are no disclosures or adjustments necessarv. #### 12. RELATED PARTIES Gary Hoch Agency has contracts with 2 related parties. The first one was entered into in 2025 with an agency owned by a related party for \$zq,o}o, which provides administration and consulting services. The second one was entered into in 2025 with a related party for Sg,ooO who provides consulting and income tax preparation assistance. The company also rents space from the sole owner at the amount of S L,500 per year which is included in office supplies and expenses. {14}------------------------------------------------ ## Gary Hoch Agency, Inc. Schedule I Computation of Net Capital Under Rule 15c3-I of the Securities and Exchange Commission December 31, 2025 | Computation of Basic Net Capital Requirement | |----------------------------------------------| |----------------------------------------------| | Total ownership equity from Statement of Financial Condition | \$ 70,679 | |--------------------------------------------------------------|-----------| | Deductions: for non-allowable assets | (16,305) | | for other securities haircuts | ( 1,000) | | Net Capital 12/31/2025 | \$ 53.374 | | | | | Minimum net capital required | S | 14 | |-----------------------------------------------------------------------------------|---|--------------------| | Minimum dollar net capital requirement of reporting broker/dealer \$ 5,000 | | | | Net capital requirement | ഗ | | | Excess net capital | | 5,000
\$ 48,374 | | Excess net capital at 1000% | | \$ 47.374 | ### Computation of Aggregate Indebtedness | Liabilities from Statement of Financial Condition | \$ 215 | |-----------------------------------------------------|--------| | Percentage of aggregate indebtedness to net capital | 0.40% | # Statement Pursuant to Paragraph (d) (4) of Rule 17a-5 There were no differences between this computation of net capital and the corresponding computation prepared by Gary Hoch Agency, Inc. and included in the Company's unaudited Part IIA FOCUS Report filing as of the same date. | Net capital per the Company's FOCUS report (unaudited) | \$ 53,374 | |--------------------------------------------------------|-----------| | Net capital per Audited Financial Statement | \$ 53,374 | {15}------------------------------------------------ ### GARY HOCH AGENCY, INC. # COMPUTATION FOR DETERMINATION OF RESERVE REQUIREMENTS AND INFORMATION RELATING TO POSSESSIoN oR coNTRoL REQUIREMENTS UNDER RULE 15c3.3 oF THE SECURITIES AND EXCHANGE COMMISSION DECEMBER 31.,2025 SCHEDULE II computation for determination of reserye requirements and information relating to possession or control requirements under Rule 15c3-3 of the securities and Exchange commission are inapplicable since the Company is exempt from such rule pursuant to paragraph (kX1). {16}------------------------------------------------ ![](_page_16_Picture_0.jpeg) 100 F . Sybelia Ave. Suite 130 Mailland, FI 32751 2017 - 12:50 PM IST - 12:00 I clephone 407-740-73 | I Fax 407-740-6441 # report of independent registered public accounting firm To the Stockholders of Gary Hoch Agency. Inc. We have revewed managements included in the accompanying Exemption Report in which (1) Gay Hoch Agency Inc. identified the following in the accompanying Exemption Report in which (1) Gary Hoch Agency Inc identifyd the following provision of 1 T C.F.R. Sticker (1) class of the canaline the lolowing bolson of 17 C.F.R. §15c3-3(k) under which Gary Hoch Agency, Inc. clared that Gary Hoch Agency, Inc met the dentified exemption provision stated that Gay Hoch Area in Co. I (240 150-5 (R) () (exemption provision) and (2) Gary Hoch (2007) Inc.) stated that Gay Hoch Agency, Inc s management is consib without exception Cary Hoch Agency, Inc is management is responsible for compliance with the exempline in the exemption Our revew was conducted in accordance with the standards of the Public Company Accounting Oversight Board (Unted States) and according on the Standards of the Public Company Accounting Oversgitt Board Hoch Agency, Inc. scordingly, included inquires and other requires to obtain ev Hoch Annual assemaling ; hubbed inquiles and other required procedures to obtain evidence about Gay exan Agency hnc.'s compliance with the exemption A review is substanti examily and e oblemande with the exemplon provision A review is substantially less in scope than an examiation. the objective of which is the expression of an opinion on do not express such an opinion Based on our revew, we are not aware of any material motifications that should be made to management's statements referred to all material modifications that should be made to managements in paragraph (k)(1) of Rule 10 them to be fariy stated in all material respects based on in paragraph (k)(1) of Rule 15c3-3 under the Securities Exchange Act of 1934 Colund couply Company M Ohab and Company, PA Maitland Florida March 23 2026 {17}------------------------------------------------ # GARY HOCH AGENCY, INC. REPORT OF EXEMPTION CLAIMED UNDER C,F.R. RULE 2 O.i5C3-3(K) DECEMBER 31.,2025 Gary Hoch Agency, Inc' is a registered broker-dealer subject to Rule L7a-5 promulgated Securities and Exchange by the Commission (3.7 C.F.R. S24O .tla\_S,,,Reports brokers to be made by certain 5(dX1) and and dearers"). This Exemption Reportwas prepared as required by 17 c.F.R. s 240.17a- (4). To the best of its knowledge and beliel the Company states the foilowing: - (1) The Company claimed an exemption from 17 C,F.R. \$ 240.15c3\_3 under the following provisions of 17 C.F.R. \$ 240.15c3\_3 (k): (1) - (2) The company metthe identified exemption provisions in t7 C.F.R. g 2a0.15c3\_3(k) throughout the most recent fiscal year without exceotion. Gary Hoch Agency, Inc. co l' Gary rrect. Hoch' swear that, to the best of my knowledge and belief, this Exemption Report is true and \_,2" \ ' 6v:',--vl -ftrw1 /J Title: President 1"/2712026 Source: SEC EDGAR via Adviser Search (https://search.stillhousedata.com). Agents: see https://search.stillhousedata.com/llms.txt.