Description of Firm APFORIA LTD is a registered investment adviser who filed its initial registration with the SEC on June 19, 2023, and was founded in May of 2023. Paul D. Allen, Sean C. Gillespie, and Adrienne Ross are the principal owners. Paul D. Allen is the Chief Compliance Officer of APFORIA. We are organized as a corporation under the laws of the Commonwealth of Virginia.
The following paragraphs describe our services and fees. APFORIA has multiple investment advisor representatives. Some of APFORIA’s investment adviser representatives do not offer all the service arrangements described below. Refer to your client service agreement for the details of the specific service arrangement you have with your APFORIA investment adviser representative.
Refer to the description of each investment advisory service listed below for information on how we tailor our advisory services to your individual needs. As used in this brochure, the words "we," "our," and "us" refer to APFORIA LTD, or APFORIA and the words "you," "your," and "client" refer to you as either a client or prospective client of our firm.
Investment Management Services APFORIA LTD provides discretionary and non-discretionary investment management and related advisory services to its Clients. APFORIA LTD primarily employs an investment strategy which reflects a Client’s goals and risk tolerance. The process begins with building a profile of where the Client is today and where they want to be in the future. Their goals, in combination with their risk tolerance, will determine the appropriate asset allocation. As market conditions and your financial plan dictate, your investment advisor may rebalance when necessary. A client may have multiple goals and each goal may have its own asset allocation if appropriate. For example, a retirement account will likely have a different allocation compared to saving for a down payment on a house.
If you participate in our discretionary Investment Management Services, we require you to grant our firm discretionary authority to manage your account. Discretionary authorization will allow us to determine the specific securities, and the quantity of securities, to be purchased or sold for your account without your approval prior to each transaction. Discretionary authority is typically granted by the investment advisory agreement you sign with our firm and the appropriate trading authorization forms.
You may limit our discretionary authority (for example, limiting the types of securities that can be purchased or sold for your account) by providing our firm with your restrictions and guidelines in writing.
We also offer non-discretionary Investment Management Services. If you enter into non-discretionary arrangements with our firm, we must obtain your approval prior to executing any transactions on behalf of your account. You have an unrestricted right to decline to implement any advice provided by our firm on a non-discretionary basis.
Ongoing Financial Planning APFORIA values financial planning for every Client. Comprehensive Financial Planning service involves working one-on-one with a financial planner from APFORIA over an extended period of time.
By paying an ongoing fee, Clients will work with a financial planner who will help them develop and implement a plan to address their financial life circumstances. Comprehensive Financial Planning is a collaborative process that helps maximize a Client’s potential for meeting life goals through Financial Advice that integrates relevant elements of the Client’s personal and financial circumstances.
Comprehensive Financial Planning is not an event or a product.
Upon engaging

the firm for financial planning, APFORIA and the Client will work together to: ● obtain and analyze all necessary qualitative and quantitative information from the Client; ● help the Client identify, select, and prioritize certain financial goals; ● assess the Client’s current course of action and alternative courses of action; ● develop financial planning recommendations based on the aforementioned actions; ● monitor the Client’s progress toward the goals and objectives; and ● implement recommendations with the Client.
These components all require in-depth communication with the Client. APFORIA requests to meet with Clients at least two (2) times a year.
Project and Hourly Financial Planning Services Clients utilizing this service will receive an email summary after each consultation meeting. Hourly engagements give Clients a chance to ask questions about personal financial management, planning, and investing and get answers on the spot. Clients may choose to schedule a series of hourly engagements across various periods of time.
Hourly engagements are not intended to replace Comprehensive Ongoing Financial Planning.
Instead, hourly engagements provide general information and guidance at top of mind for Clients. As APFORIA will not be privy to a Client’s entire financial situation, APFORIA’s advice is limited in scope to only the area(s) selected, and only the facts and circumstances shared with APFORIA by a Client will be incorporated into such advice.
The Client may select a topic agreed to by Client and Advisor that may include but is not limited to cash flow, debt management, college planning, student loan analysis, home purchase and refinances, and financial goals.
Employee Benefit Plan Services Our firm provides employee benefit plan services to employer plan sponsors on an ongoing basis.
Generally, such services consist of assisting employer plan sponsors in establishing, monitoring and reviewing their company's participant-directed retirement plan. As the needs of the plan sponsor dictate, areas of advising could include: investment options, plan structure, coordinating with other professional service providers, and participant education.
Educational Seminars and Workshops We may provide seminars on an “as announced” basis for groups seeking general advice on investments and other areas of personal finance. The content of these seminars will vary depending upon the needs of the attendees, and may include retirement planning for military spouses, understanding employer sponsored retirement plans, managing credit and debt, defining financial and life goals, among many others. These seminars are purely educational in nature and do not involve the sale of any investment products. Information presented will not be based on any individual’s person’s need, nor does APFORIA provide individualized investment advice to attendees during these seminars.
Wrap Fee Programs We do not participate in any wrap fee program.
Types of Investments We primarily offer advice on Mutual Funds, ETFs, stocks and fixed income instruments. Refer to the Methods of Analysis, Investment Strategies and Risk of Loss below for additional disclosures on this topic.
Additionally, we may advise you on various types of investments based on your stated goals and objectives. We may also provide advice on any type of investment held in your portfolio at the inception of our advisory relationship.
Assets Under Management We currently report $70,826,714discretionary, and $0 non-discretionary Assets Under Management.
Assets Under Management were calculated as of January 22,2024.