Aft, Forsyth & Sober, LLC was organized as a limited liability company under the laws of the State of Florida on January 1, 2012 and is owned by: Charles T. Sober, Jr. 75% of Class A Shares Janet Sober 25% of Class A Shares Aft, Forsyth and Co. 100% of Class B Shares We are registered as an investment adviser with the U. S. Securities and Exchange Commission and notice filed with the Florida Office of Financial Regulation in order to provide the investment advisory products and services described within this document. As of December 31, 2023, we have approximately $282.4 million dollars of assets under management of which approximately $31,588,712 was managed on a discretionary basis and $250,832,271 on a non-discretionary basis. We offer financial and investment advisory services to individuals, trust accounts, and foundations. This Disclosure Brochure provides you with information regarding our qualifications, business practices, and nature of advisory services that should be considered before becoming our advisory client. Please contact Larry N. Aft, Chief Compliance Officer if you have any questions about this Brochure. Individuals associated with AFS are individually qualified by our management team and will provide investment advisory services on our behalf. We require these individuals to be properly licensed and registered, unless exempted, in states in which such individuals are conducting investment advisory business. AFS provides discretionary and non-discretionary portfolio management services where the investment advice provided is custom tailored to meet the investment objectives of the client based upon risk tolerance, time horizon, and income and liquidity needs. Subject to any written guidelines, which the client may provide, the Firm will be granted discretion and authority to manage the account. Accordingly, AFS is authorized to perform various functions, at the client’s expense, without further approval from the client. Such functions include the determination of securities to be purchased/sold, the amount of securities to be purchased/sold, the broker/dealer to be used, and the commission rates to be paid. Once the portfolio is constructed, AFS provides continuous supervision and re-optimization of the portfolio as changes in market conditions and client circumstances may require. Where AFS enters into non-discretionary arrangements with clients, the Firm can obtain verbal client approval of the execution of a trade, followed up by written approval in a timely manner determined by client availability. For the non- discretionary assets, the firm makes recommendations, executes trades, and monitors the accounts on at least a monthly basis. Therefore, these assets are included as part of the total firm’s assets for regulatory asset aggregation. Aft, Forsyth & Sober, LLC provides investment advisory services which are tailored to the long-term investment goals and objectives of the client. The clients of Aft, Forsyth & Sober, LLC include individuals, trusts, estates, charitable organizations, and individual IRA accounts. Portfolios are managed on a non-discretionary and fully discretionary basis. There are two primary Long-Term Investment Management Strategies employed – the “Line in the Sand”/Disaster Protection Strategy and the Flexible Asset Allocation Strategy. Other investment strategies are available based upon client objectives and directions. IRA Rollover Recommendations For the purpose of complying with the DOL's Prohibited Transaction Exemption 2020-02 ("PTE 2020-02"), when applicable, we

are providing the following acknowledgment to clients. When we provide investment advice to clients regarding their retirement plan account or individual retirement account, we are a fiduciary within the meaning of Title I of the Employee Retirement Income Security Act and/or the Internal Revenue Code, as applicable, which are laws governing retirement accounts. The way we make money creates some conflicts with client interests. We operate under an exemption that requires we act in the clients’ best interest and not put our or our employees’ interests ahead of the clients. Under this exemption, we must:
• meet a professional standard of care when making investment recommendations (give prudent advice),
• never put our or our employees’ financial interests ahead of the clients when making recommendations (give loyal advice),
• avoid making misleading statements about conflicts of interest, fees, and investments,
• follow policies and procedures designed to ensure that we and our employees give advice that is in the clients’ best interest,
• charge no more than is reasonable for services, and
• give the clients basic information about conflicts of interest. We benefit financially from the rollover of the clients’ assets from a retirement account to an account that we manage or provide investment advice, because the assets increase our assets under management and, in turn, our advisory fees. As a fiduciary, we only recommend a rollover when our and our employees believe it is in the clients’ best interest. Wrap Fee Programs Aft, Forsyth & Sober, LLC does not participate in wrap fee programs. Miscellaneous No Financial Planning Services. AFS does not hold out as providing financial planning or consulting services regarding non-investment related matters, such as tax and estate planning, insurance, etc. AFS does not serve as an attorney, accountant, or insurance agent, and no portion of our services should be construed as same. Accordingly, AFS does not prepare legal documents, prepare tax returns, or sell insurance products. Portfolio Activity. AFS has a fiduciary duty to provide services consistent with the client’s designated investment strategy. There may be extended periods of time when the investment strategy has limited trading activity. Clients remain subject to the fees described in Item 5 below during such periods. Please Note: Cash Positions. As discussed in this Disclosure Brochure, at any specific point in time, or for any specific period of time, depending upon perceived or anticipated market conditions/events (there being no guarantee that such anticipated market conditions/events will occur), AFS strategies maintain substantial cash (money markets, short term treasuries, etc.) as a strategic asset class and/or for defensive purposes. All cash positions shall be included as part of assets under management for purposes of calculating AFS’ advisory fee. Client Obligations. It remains each client’s responsibility to promptly notify AFS if there is ever any change in his/her/its financial situation or investment objectives for the purpose of reviewing/evaluating/revising our previous recommendations and/or services. Please Note: Investment Risk. Different types of investments involve varying degrees of risk, and it should not be assumed that future performance of any specific investment or investment strategy (including the investments and/or investment strategies recommended or undertaken by AFS) will be profitable or equal any specific performance level(s).