Firm Description Oceanside Advisors LLC (“Oceanside”) was founded in 2012 and became registered as investment advisor in 2014. Johann Robert Kroll is 75% owner, Patrick Gaul is 20% owner and Robert E. Kroll is 5% owner. Oceanside provides personalized confidential financial planning and investment management services. Advice is provided through consultation with the client and may include: determination of financial objectives, identification of financial problems, cash flow management, tax planning, insurance review, investment management, education funding, retirement planning, and legacy planning. Oceanside is a fee based financial planning and investment management firm. The firm is also an insurance agency that sells insurance products. Oceanside does not act as a custodian of client assets. Oceanside places trades for clients under a limited power of attorney. An evaluation of each client's initial situation is provided to the client, often in the form of a net worth statement, risk analysis or similar document. Periodic reviews are also communicated to provide reminders of the specific courses of action that need to be taken. More frequent reviews occur but are not necessarily communicated to the client unless immediate changes are recommended. Other professionals (e.g., lawyers, accountants, tax preparers, insurance agents, etc.) are engaged directly by the client on an as-needed basis and may charge fees of their own. For example, tax preparation and to the extent your estate plan needs to be updated, the tax preparer and/or attorney will bill the client separately. Conflicts of interest will be disclosed to the client in the event they should occur. Types of Advisory Services ASSET MANAGEMENT Oceanside offers discretionary direct asset management services to advisory clients. Oceanside will offer clients ongoing portfolio management services through determining individual investment goals, time horizons, objectives, and risk tolerance. Investment strategies, investment selection, asset allocation, portfolio monitoring and the overall investment program will be based on the above factors. The client will authorize Oceanside discretionary authority to execute selected investment program transactions as stated within the Investment Advisory Agreement. ASSETS HELD AWAY Oceanside uses 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, Oceanside will review the current account allocations. When deemed necessary, Oceanside 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. ONE TIME FINANCIAL PLANNING AND CONSULTING If financial planning services are applicable, the client will compensate Oceanside on an hourly fee basis described in detail under “Fees and Compensation” section of this brochure. Services include but are not limited to a thorough review of all applicable topics including Wills, Estate Plan/Trusts, Investments, Taxes, and Insurance. If a conflict of interest exists between the interests of the investment advisor and the interests of the client, the client is under no obligation to act upon the investment advisor’s recommendation. If the client elects to act on any of the recommendations, the client is under no obligation to effect the transaction through Oceanside. Financial plans will be completed and delivered inside of ninety (90) days. ONGOING FINANCIAL PLANNING (service not available to Illinois Clients) Oceanside also offers ongoing financial planning services that will continue from year to year unless cancelled in writing by either party. Ongoing financial planning services will include the following:
• Portfolio monitoring, which includes but is not limited to, tax loss harvesting, automated rebalance, performance reporting
• Ongoing access to newsletters, webinars, education and networking events
• Initial meeting (in person or virtual) – up to two hours
• Follow up meeting to deliver and discuss initial recommendations – up to 90 minutes
• Written financial planning recommendations (paper and/or electronic) – updated annually
• Follow up meeting approximately every six months to check on progress and adjust recommendations as life, financial or otherwise, continues to evolve – up to 60 minutes
• Regular accountability check-in emails to help Client stay on track available upon request
• Phone or email access to answer questions Services may include but are

not limited to budgeting and cash flow; retirement income planning; estate preservation; debt consolidation; goal planning and progress tracking; employer benefits review; and insurance needs and analysis. The scope of work and fee is provided to the Client in writing prior to the start of the relationship. The Client is under no obligation to act upon the investment advisor’s recommendation. If the Client elects to act on any of the recommendations, the Client is under no obligation to effect the transaction through Oceanside. Clients may terminate advisory services with thirty (30) days written notice. ERISA PLAN SERVICES Oceanside provides service to qualified retirement plans including 401(k) plans, 403(b) plans, pension and profit-sharing plans, and cash balance plans, and deferred compensation plans. Oceanside may act as a 3(38) advisor: ERISA 3(38) Investment Manager. Oceanside can act as an ERISA 3(38) Investment Manager in which it has discretionary management and control of a given retirement plan’s assets. Oceanside would then become solely responsible and liable for the selection, monitoring and replacement of the plan’s investment options. 1. Fiduciary Services are:
• Oceanside has discretionary authority and will make the final decision regarding the initial selection, retention, removal and addition of investment options in accordance with the Plan’s investment policies and objectives.
• Assist the Client with the selection of a broad range of investment options consistent with ERISA Section 404(c) and the regulations thereunder.
• Assist the Client in the development of an investment policy statement (“IPS”). The IPS establishes the investment policies and objectives for the Plan.
• Provide discretionary investment advice to the Plan Sponsor with respect to the selection of a qualified default investment alternative for participants who are automatically enrolled in the Plan or who have otherwise failed to make investment elections. The Client retains the sole responsibility to provide all notices to the Plan participants required under ERISA Section 404(c) (5). 2. Non-fiduciary Services are:
• Assist in the education of Plan participants about general investment information and the investment alternatives available to them under the Plan. Client understands Oceanside’s assistance in education of the Plan participants shall be consistent with and within the scope of the Department of Labor’s definition of investment education (Department of Labor Interpretive Bulletin 96-1). As such, the Oceanside is not providing fiduciary advice as defined by ERISA to the Plan participants. Oceanside will not provide investment advice concerning the prudence of any investment option or combination of investment options for a particular participant or beneficiary under the Plan.
• Assist in the group enrollment meetings designed to increase retirement plan participation among the employees and investment and financial understanding by the employees. Oceanside may provide these services or, alternatively, may arrange for the Plan’s other providers to offer these services, as agreed upon between Oceanside and Client. 3. Oceanside has no responsibility to provide services related to the following types of assets (“Excluded Assets”):
• Employer securities;
• Real estate (except for real estate funds or publicly traded REITs);
• Stock brokerage accounts or mutual fund windows;
• Participant loans;
• Non-publicly traded partnership interests;
• Other non-publicly traded securities or property (other than collective trusts and similar vehicles); or
• Other hard-to-value or illiquid securities or property. Excluded Assets will not be included in calculation of Fees paid to the Adviser on the ERISA Agreement. Specific services will be outlined in detail to each plan in the 408(b) 2 disclosure. 401K CONSULTING SERVICES Oceanside offers 401K consulting services to employers on a flat fee basis described in detail under “Fees and Compensation” section of this brochure. Oceanside will meet with the Client for information gathering. Oceanside will make basic plan design recommendations, estimated safe harbor projections based on current work force, assist in provider selection, and provide support throughout the plan installation process. SEMINARS AND WORKSHOPS Oceanside holds seminars and workshops to educate the public on different types of investments and the different services they offer. The seminars are educational in nature and no specific investment or tax advice is given. Client Tailored Services and Client Imposed Restrictions The goals and objectives for each client are documented in our client files. Investment strategies are created that reflect the stated goals and objectives. Clients may impose restrictions on investing in certain securities or types of securities. Agreements may not be assigned without written client consent. Wrap Fee Programs Oceanside does not sponsor any wrap fee programs. Client Assets under Management Oceanside has the following assets under management: Discretionary Amounts: Non-discretionary Amounts: Date Calculated: $127,600,000 $0 9/1/2023