“What types of services can I expect to receive?” Oregon Pacific Financial Advisors (OPFA), is a SEC Registered Investment Adviser with its principal place of business located in Medford, Oregon. OPFA began conducting business on June 14, 1995. Royal R. Standley, President/CEO of OPFA is the firm's principal shareholder (i.e., those individuals and/or entities controlling 25% or more of this company). OPFA, through its Advisory Associates, will typically provide a variety of financial planning services, principally advisory in nature, to individuals or families regarding the management of their financial resources, based upon an analysis of the client’s needs. Generally, such financial planning services will involve preparing a financial program for a client based on the client’s financial circumstances and objectives. This information normally would cover present and anticipated assets and liabilities, including insurance, savings, investments, and anticipated retirement or other employee benefits. The program developed for the clients will usually include general recommendations for a course of activity or specific actions to be taken by the clients. For example, recommendations may be made that the clients obtain insurance or revise existing coverage, establish an individual retirement account, increase or decrease funds held in savings accounts or invest funds in securities. The Advisory Associates on behalf of the Advisor may develop investment-related tax strategies or estate planning strategies for clients or refer clients to an accountant or attorney. The Advisory Associates on behalf of the Advisor may also create a cash flow analysis or work with and advise the clients as to the rearrangement of cash flow in order to fund certain long-term objectives, such as buying a house, planning for college, retirement, etc. The Advisor will generally contact the client at least annually, and will make inquiry regarding changes in the client’s financial situation and needs or investment objectives. In addition, the representative will meet with the client at least annually to review any changes in the client’s financial situation, needs or investment objectives, as well as the performance of the programs managed by the third-party investment advisor. A representative will be available for the client’s consultation during normal business hours. In all cases, the client does receive regular account statements from those companies where investments are held. There are various programs and each has its own guidelines with respect to minimum investment, fees, structure, and reporting. The client is informed of such guidelines and specifics prior to entering into an advisory program. OPFA offers its clients a choice of investment advisory products and services. With respect to the asset management activity, a quarterly statement will be provided to the client. Fees are not based upon capital gains or capital appreciation of assets. OPFA shall not have custody of any cash or securities of any client. As of December 31, 2023 OPFA is managing $157,083,199 in assets under management, $131,423,438 on a discretionary basis and $25,659,761 on a non-discretionary basis. 5 | P a g e “How does my advisor manage my investments?” OPFA uses a variety of advisory programs including various Third Party Money Managers as well as SEI Asset Management. Third-Party Money Manager Programs OPFA has relationships with various Third Party Money Managers (TPMM) to assist them with their clients’ investment needs. These TPMMs are registered as investment advisors and/or sponsors of turn-key wrap fee programs and may offer a wide range of advisory services including asset allocation, market timing and portfolio management. In these programs, OPFA will refer the ongoing and active management of your assets to a TPMM. Your IAR will assist you in choosing the most appropriate TPMM and/or TPMM investment strategy. In all cases, you will receive additional disclosure materials concerning the TPMM and its advisory program(s) and will enter into a separate investment advisory agreement with the TPMM and with OPFA. OPFA will refer you to TPMMs who are appropriately registered with state or federal securities agencies as required by law. The TPMM manages your accounts in accordance with the disclosures set forth in the TPMM's disclosure documents. The TPMM typically assumes discretionary authority over the account. OPFA and its advisors assist the client with the selection of a TPMM and its respective advisory program based upon your individual financial needs, goals and objectives. Various investment strategies are used in the management of client accounts. Each OPFA Representative is responsible for recommending the TPMM and management style based on each client’s individual financial situation, goals and objectives. Your OPFA Rep will typically:
• gather information from you about your financial situation, investment objectives, investment experience, risk tolerance, other investments, liquidity needs, tax status and investment time horizon and any reasonable restrictions

that you want to impose on the management of the account;
• periodically review reports provided to you by the TPMM;
• contact you at least annually to review your financial situation and objectives;
• communicate information to the TPMM as warranted; and
• assist you in understanding and evaluating the services provided by the TPMM. You must notify your OPFA Rep of any changes in your financial situation, investment objectives or account restrictions. SEI Asset Management Programs Oregon Pacific Financial Advisors (the “Adviser”) participates in the SEI Asset Allocation Program, which is offered to individuals, high net worth individuals, defined benefit plans, participant and non-participant directed defined contribution plans, institutions, endowments, and foundations. With the SEI Asset Allocation Program, the Adviser serves as the investment adviser to the investor, and is responsible for analyzing the investor’s current financial situation, return expectations, risk tolerance, time horizon, and asset class preference, pursuant to the Adviser’s investment advisory agreement. Based upon the investor’s information, the Adviser and the 6 | P a g e investor select an investment strategy and choose from one of many mutual fund asset allocation models, which may be provided by SEI Investments Management Corporation (“SIMC”), or purchase the individual mutual funds. The Adviser will allocate the assets placed in the investor’s account among the SEI Funds (a family of mutual funds advised by SIMC) in accordance with the investment strategy, goal or model selected by the investor. The investor, through the Adviser, may adjust their asset allocation to help ensure that the mix reflects the objectives of the chosen strategy. The investor may, at any time, impose reasonable restrictions on the management of his/her account or choose a new investment strategy. For participant-directed plans, assets will be invested in the SEI Asset Allocation mutual funds and other style-specific SEI Funds (if applicable). In accordance with the investor’s investment objectives, the Adviser may also allocate assets placed in the investor’s account among the SEI Funds through SEI’s Dynamic Models, which reflect SIMC’s institutional asset allocation models more aligned with individual investors’ goals. SIMC expects to make changes to the Dynamic Models periodically to incorporate changes to the mutual fund asset allocations underlying the models. Upon consent from the Adviser (on behalf of the investor), these asset allocation changes will be made to the investor’s accounts invested in the Dynamic Models. The SEI Funds are administered, distributed, and in some cases advised by SIMC or its affiliates for which it is paid fees as disclosed in the SEI Funds’ prospectuses. The prospectus(es) should be read carefully by all investors before investing in the SEI Funds. The SEI Distribution-Focused Strategies (the “DFS Program”) are designed to actively manage a broadly diversified portfolio of assets, bolstered by expert manager selection, portfolio construction and oversight. The DFS Program was built to generate a consistent level of distributions. In addition to achieving distribution objectives, it is designed to provide a degree of principal preservation by leaving a positive residual value at the end of the strategies stated investment horizon. Advisers can use these results to balance their clients’ distribution objectives against their principal preservation goals. The Adviser participates in the “MAP Program and DFS Program (together, the “Managed Account Program”). To participate in the Managed Account Program, the Adviser, SIMC and the individual investors execute a Managed Account Agreement providing for the management of certain investor assets in accordance with the terms thereof. Pursuant to a Managed Account Agreement, the investor appoints the Adviser as its investment adviser to assist the investor in selecting an asset allocation strategy, which would include the percentage of investor assets allocated to a designated Managed Account Portfolio and may include the percentage of assets allocated to a portfolio of mutual funds advised by SIMC or an affiliate of SIMC. The investor appoints SIMC to manage the assets in each Managed Account Portfolio in accordance with a strategy selected by the investor together with the Adviser. SIMC may delegate its responsibility for selecting particular securities to one or more portfolio managers. For the DFS Program, SIMC is responsible for selecting securities (generally SEI’s proprietary mutual funds) underlying each portfolio in accordance with its investment strategies, and, therefore, selecting the securities into which the investor’s assets will be invested. Other Advisory Disclosures Advisor may provide advice on other interests in partnerships investing in other programs such as alternative energy programs, equipment leasing, research and development programs, cable television, and fast food franchising. 7 | P a g e