Founded by its President and principal owner, Robert Braglia, American Financial & Tax Strategies has been registered as an investment adviser since October 1993. The firm provides financial planning, consulting, and investment management services. American Financial & Tax Strategies believes its most important job is to help clients meet their investment objectives and financial goals. Prior to engaging American Financial & Tax Strategies to provide any of the foregoing investment advisory services, the client is required to enter into one or more written agreements with American Financial & Tax Strategies setting forth the terms and conditions under which American Financial & Tax Strategies renders its services (collectively the “Agreement”). Regulatory Assets Under Management Discretionary Amounts: Non-Discretionary Amounts: Date Calculated: $243,054,909 $0.00 December 2023 This Disclosure Brochure describes the business of American Financial & Tax Strategies. Certain sections will also describe the activities of Supervised Persons. Supervised Persons are any of American Financial & Tax Strategies’ officers, partners, directors (or other persons occupying a similar status or performing similar functions), employees, or any other person who provides investment advice on American Financial & Tax Strategies’ behalf and is subject to American Financial & Tax Strategies’ supervision or control. Financial Planning and Consulting Services American Financial & Tax Strategies may provide its clients with a broad range of comprehensive financial planning and consulting services. These services may include retirement, insurance, business planning, education, estate planning, investments, and tax and cash flow needs of the client. The firm generally only offers these services to its investment management clients as part of its wealth management services (described below and in Item 8) but may also offer these services to non-investment management clients on a limited basis. American Financial & Tax Strategies may charge an additional fee for these services, which will be charged on a fixed fee basis and negotiated with the client prior to rendering the services. In performing its services, American Financial & Tax Strategies is not required to verify any information received from the client or from the client’s other professionals (e.g., attorney, accountant, etc.) and is expressly authorized to rely on such information. The client is under no obligation to act upon any of the recommendations made by American Financial & Tax Strategies under a financial planning or consulting engagement or to engage the services of any such recommended professional, including American Financial & Tax Strategies itself. The client retains absolute discretion over all such implementation decisions and is free to accept or reject any of American Financial & Tax Strategies’ recommendations. Clients are advised that it remains their responsibility to promptly notify American Financial & Tax Strategies if there is ever any change in their financial situation or investment objectives for the purpose of reviewing, evaluating, or revising American Financial & Tax Strategies’ previous recommendations and/or services. Investment Management and Wealth Management Services Clients can engage American Financial & Tax Strategies to manage all or a portion of their assets on a discretionary basis (without any financial planning or consulting services). Alternatively, the firm may provide clients with wealth management services which include comprehensive financial planning services as well as discretionary management of investment portfolios. American Financial & Tax Strategies primarily allocates clients’ investment management assets among mutual funds, institutional class when available, exchange-traded funds (“ETFs”) and exchange-traded notes (“ETNs”), in accordance with the investment objectives of the client. In limited circumstances, the firm recommends individual bonds and will purchase individual stocks if requested by the client. Clients may

also engage American Financial & Tax Strategies to advise on certain investment products that are not maintained at their primary custodian, such as variable life insurance and annuity contracts and assets held in employer sponsored retirement plans and qualified tuition plans (i.e., 529 plans). In these situations, American Financial & Tax Strategies directs or recommends the allocation of client assets among the various investment options available with the product. These assets are maintained at the underwriting insurance company, or the custodian designated by the product’s provider. American Financial & Tax Strategies tailors its advisory services to the individual needs of clients. American Financial & Tax Strategies consults with clients initially and on an ongoing basis to develop an investment policy statement (“IPS”) and determines risk tolerance, time horizon, and other factors that impact the clients’ investment needs. American Financial & Tax Strategies seeks to ensure that clients investments are suitable for their investment needs, goals, objectives, and risk tolerance. Clients are advised to promptly notify American Financial & Tax Strategies if there are changes in their financial situation or investment objectives or if they wish to impose any reasonable restrictions upon the firm’s management services. Clients may impose reasonable restrictions or mandates on the management of their account (e.g., require that a portion of their assets be invested in socially responsible funds) if, in American Financial & Tax Strategies’ sole discretion, the conditions will not materially impact the performance of a portfolio strategy or prove overly burdensome to its management efforts. Use of Independent Managers American Financial & Tax Strategies generally does not utilize independent investment managers (“Independent Managers”) to manage client assets. However, the firm may in limited circumstances recommend that clients authorize the active discretionary management of a portion of their assets by Independent Managers based upon the stated investment objectives of the client. In these situations, the terms and conditions under which the client engages the Independent Managers are set forth in a separate written agreement between American Financial & Tax Strategies or the client and the designated Independent Managers. American Financial & Tax Strategies also monitors and reviews the account performance and the client’s investment objectives. American Financial & Tax Strategies receives an annual advisory fee which is based upon a percentage of the market value of the assets being managed by the designated Independent Managers. When selecting an Independent Manager for a client, American Financial & Tax Strategies reviews information about the Independent Manager such as its disclosure brochure and/or material supplied by the Independent Manager or independent third parties for a description of the Independent Manager’s investment strategies, past performance and risk results to the extent available. Factors that American Financial & Tax Strategies considers in recommending an Independent Manager include the client’s stated investment objectives, management style, performance, reputation, financial strength, reporting, pricing, and research. The investment management fees charged by the designated Independent Managers, together with the fees charged by the corresponding designated broker-dealer/custodian of the client’s assets, may be exclusive of, and in addition to, American Financial & Tax Strategies’ investment advisory fee set forth above. In addition to American Financial & Tax Strategies’ written disclosure brochure, the client also receives the written disclosure brochure of the designated Independent Managers. Certain Independent Managers may impose more restrictive account requirements and varying billing practices than American Financial & Tax Strategies. In such instances, American Financial & Tax Strategies may alter its corresponding account requirements and/or billing practices to accommodate those of the Independent Managers.