A. Description of the Advisory Firm Seaside Financial & Insurance Services was founded in 1997 as a Sole Proprietor and has been registered with the State of California. June 2000 the Sole Proprietorship was taken over by Seaside Advisory Services, Inc. dba Seaside Financial & Insurance Services. Seaside Advisory Services was purchased by Shawn Orser in June 2016 operating as an S Corp and is registered with the SEC and is registered with the State of California. B. Types of Advisory Services Seaside Advisory Services, Inc., a Registered Investment Advisor (“Seaside”) offers a variety of services to meet the needs of its clients. Most of our clients are individuals, but we also work with pension plans, businesses, charities, and trusts & estates. We give advice on-but not necessarily recommend- all types of securities, ranging from government bonds through mutual funds to commodities. We engage in fundamental securities analysis. Our main sources of financial information are on-line sources that include but are not limited to financial publications, Morning star, TD Ameritrade, Charles Schwab, magazines, research materials prepared by others, corporate rating services, annual reports, and corporate press releases. Our Investments Strategy is investing for the long term, occasionally for the short term. Clients may, but typically do not, impose restrictions in investing in certain securities or types of securities in accordance with their values or beliefs. Services and compensation take a variety of forms and is described as follows: 1. Asset Management: Seaside manages clients’ accounts on a discretionary and non- discretionary basis subject to client preference. These services are of an ongoing nature and are billed on a quarterly basis, in arrears. The annual fee ranges from 1/2 of 1% to 2.5% depending on the size and complexity of your account. If you wish to terminate our association- there is a 10day written notice requirement and any pre-paid fees will be refunded to you on a pro-rated basis. Periodically, advisory associates may solicit from client information as to the continued appropriateness of the investments for the client. 2. Financial Planning Services: (OPTIONAL) Financial Planning Services will include: a) Single Issue Financial Plan – This will address analysis of financial planning concerns raised by the client. The fees for this service can be a fixed fee, which is determined at the time of engagement and can range from $200 - $10,000 subject to the complexity of the work. Arrangement can also be made for work to be completed on an hourly basis, which would range from $65.00 - $600.00 per hour. The agreement for this service will terminate upon presentation of the written plan. A portion of the fee is payable at the time the agreement is signed. The balance is due upon completion of the service. b) Ongoing Financial Planning Consulting – This will usually (but not necessarily) be done as a follow-up to the Single-Issue Financial Plan and will include periodic review meetings to update the Plan on an annual, semi-annual, or quarterly basis. The fees for this service will be from $65.00 - $600 per hour, or a fixed annual fee, based on the agreed upon frequency of the review meetings. Financial Plans will address the Client’s financial concerns based on their current financial situations and their future financial needs and objectives. The analysis will be based on the personal financial information obtained from the Client. In addition, the plan will be based on assumptions that are determined by the Seaside for projected hypothetical investment rates of return and inflation rates. These financial planning services will include analysis or recommendations concerning investments, fixed insurance policies, fixed annuities, but will not include legal advice, legal document preparation or tax advice. Clients have 10 business days after signing a Financial Planning agreement to cancel it, without penalty. Cancellation notice must be made in writing or by direct telephone contact with the Advisor. After 10 business days, Clients may terminate the contract in writing or by direct telephone contact with the Advisor and all pre- paid fees, less cost for services already performed, and expenses incurred, will be refunded. After a Financial Plan is delivered, the Client will normally be given an option to implement investments, through Seaside,

a Registered Investment Advisor, and/or the Advisor as a Registered Representative with the broker/dealer, Fortune Financial Services, Inc. and/or insurance contracts placed by the Advisor in her/his capacity as a licensed insurance broker. The Advisor will be compensated in these cases, separate from the financial planning agreement, with the usual fees or customary commissions. In offering financial planning, a conflict may exist between the interests of the investment advisor and the interests of the client. The client is under no obligation to act upon the investment adviser’s recommendation and if the client elects to act on any of the recommendations, the client is under no obligation to affect the transaction through the investment adviser. Seaside intends to, on occasion, conduct seminars for the purpose of disseminating financial ideas to groups of interested individuals, at no cost. The Advisor will act in most cases as a fee-based Financial Planner and as an Investment Advisor Representative being compensated based on assets under management. The Advisor may in the capacity of a Registered Representative representing Fortune Financial Services recommend buying securities on a commission basis, in such an instance a conflict of interest exist. This is disclosed to each client in writing as part of the Form ADV Part 2. There will be no restrictions involving a client participating in both aspects of Advisors’ business, advisory & securities brokerage. For financial planning clients, generally the financial plan is the sole report to be provided. The plan may be in written form or may be provided through meetings or conversations. Pension Consulting Services Seaside will provide certain business clients that have retirement plans assistance with the planning and structure of their retirement plan in conjunction with the client’s CPA and the Third-Party Administrator. Services will also include Investment Selection, Performance Monitoring & Reporting, Fiduciary & Participant Education Services and Service Provider Search Support. Clients will sign an advisory agreement with Seaside. The advisory relationship may be terminated by the client or Seaside in accordance with the provisions of those agreements. The client will typically receive a pro rata refund of any prepaid advisory fees upon termination of an advisory agreement. Additionally, a client may terminate its advisory relationship with Seaside without being assessed any penalty within ten (10) business days of its signing in advisory agreement. Investment Management Services We use a third-party platform to facilitate management of held away assets such as defined contribution plan participant accounts, with discretion. The platform allows us to avoid being considered to have custody of Client funds since we do not have direct access to Client log-in credentials to affect trades. We are not affiliated with the platform in any way and receive no compensation from them for using their platform. A link will be provided to the Client allowing them to connect an account(s) to the platform. Once Client account(s) is connected to the platform, Adviser will review the current account allocations. When deemed necessary, Adviser will rebalance the account considering client investment goals and risk tolerance, and any change in allocations will consider current economic and market trends. The goal is to improve account performance over time, minimize loss during difficult markets, and manage internal fees that harm account performance. Client account(s) will be reviewed at least quarterly, and allocation changes will be made as deemed necessary. Client Tailored Services and Client Imposed Restrictions Individually managed accounts will be tailored to meet the client’s investment goals and objectives. Seaside Advisory Representatives may utilize an investment policy statement that will detail the client’s objectives and will include agreed upon investment strategies. Wrap Fee Programs A wrap fee program is an investment program where the investor pays one stated fee that includes management fees, transaction costs, fund expenses and any other administrative fees. Seaside does participate in a Wrap program, which is described in a separate Wrap Brochure. Assets Under Management As of December 31, 2023, Seaside manages a total of $0 on a discretionary basis and $89,373,190 on a non- discretionary basis.