First Pacific Financial may direct clients to third-party investment advisers. First Pacific Financial may specifically direct clients to Parametric Portfolio Associates LLC. Before selecting other advisers for clients, First Pacific Financial will verify that all recommended advisers are properly licensed, notice filed, or exempt in the states where First Pacific Financial is recommending the adviser to clients. First Pacific Financial has been registered as an investment adviser since August 2016 and is owned by Todd Engblom-Stryker, Darren Farrell, Adam Wishard, Taryn McCauley, Julienne Valois and Lori Vaandering. While this brochure generally describes the business of First Pacific Financial, certain sections also discuss the activities of its Supervised Persons, which refer to First Pacific Financial’s officers, partners, directors (or other persons occupying a similar status or performing similar functions), employees or any other person who provides investment advice on First Pacific Financial’s behalf and is subject to their supervision or control. Financial Planning and Consulting Services First Pacific Financial offers clients a broad range of financial planning and consulting services, which may include any or all of the following functions:
• Business Planning
• Cash Flow Forecasting
• Trust and Estate Planning
• Financial Reporting
• Consumer & Student Debt Planning
• Investment Consulting
• Insurance Planning
• Retirement Planning
• Risk Management
• Financial Planning
• Charitable Giving
• Distribution Planning
• Tax Planning
• Manager Due Diligence
• Educational Workshops While each of these services is available on a stand-alone basis at the sole discretion of First Pacific Financial, certain of them may also be rendered in conjunction with investment portfolio management as part of a more comprehensive financial advising engagement through services described below. In performing these services, First Pacific Financial is not required to verify any information received from the client or from the client’s other professionals (e.g., attorneys, accountants, etc.,) and is expressly authorized to rely on such information. Clients retain absolute discretion over all decisions regarding implementation and are under no obligation to act upon any of the recommendations made by First Pacific Financial under any engagement. Clients are advised that it remains their responsibility to promptly notify First Pacific Financial of any change in their financial situation or investment objectives for the purpose of reviewing, evaluating, or revising First Pacific Financial’s recommendations and/or services. Wealth Management Services First Pacific Financial provides clients with wealth management services, which include a broad range of comprehensive financial planning and consulting services as well as discretionary management of investment portfolios. First Pacific Financial primarily allocates client assets among various mutual funds, exchange-traded funds (“ETFs”) and individual equities and debt securities in accordance with their stated investment objectives. Where appropriate, First Pacific Financial also provides advice about any type of legacy position or other investment held in client portfolios. Clients may engage First Pacific Financial to manage and/or advise on certain investment products that are not maintained at their primary custodian, such as variable life insurance, annuity contracts, assets held in employer sponsored retirement plans, qualified tuition plans (i.e., 529 plans) and others. In these situations, First Pacific Financial directs or recommends the allocation of client assets among the various investment options available with the product. These assets are generally maintained at the underwriting insurance company or the custodian designated by the product’s provider. First Pacific Financial tailors its advisory services to meet the needs of its individual clients and seeks to ensure, on a continuous basis, that client portfolios are managed in a manner consistent with those needs and objectives. First Pacific Financial consults with clients on an initial and ongoing basis to assess their specific risk tolerance, time horizon, liquidity constraints and other related factors relevant to the management of their portfolios. Clients are advised to promptly notify First Pacific Financial if there are changes in their financial situation or if they wish to place any limitations on the management of their portfolios. Clients may impose reasonable restrictions or mandates on the management of their accounts if First Pacific Financial determines, in its sole discretion, the conditions would not materially impact the performance of a management strategy or prove overly burdensome to First Pacific Financial’s management efforts. 4 | P a g e Spark Financial Advisory Service When engaged in the Spark service, First Pacific Financial provides clients financial advice on a diverse slate of financial planning topics directed by the client and/or the advisors, based on the need and the Spark service model, as well as engaging in discretionary management of investment portfolios custodied at Betterment for Advisors. First Pacific Financial uses the Betterment for Advisors platform to execute custom models created by First Pacific Financial. These primarily allocate client assets among various exchange-traded funds (“ETFs”) based on their stated investment objectives. Less frequently with approval, First Pacific Financial will allocate assets among mutual funds on the same platforms as used in the Wealth Management Service. Clients may engage First Pacific Financial to manage and/or advise on certain investment products that are not maintained at their primary custodian, such as variable life insurance, annuity contracts, assets held in employer sponsored retirement plans, and qualified tuition plans (i.e., 529 plans) and others. In these situations, First Pacific Financial directs or recommends the allocation of client assets among the various investment options available with the product. These assets are generally maintained at the underwriting insurance company or the custodian designated by the product’s provider. First Pacific Financial tailors its advisory services to meet the needs of its individual clients and seeks to ensure, on a continuous basis, that client portfolios are managed in a manner consistent with those needs and objectives. First Pacific Financial consults with clients on an initial and ongoing basis to assess their specific risk tolerance, time horizon, liquidity constraints and other related factors relevant to the management of their portfolios. Clients are advised to promptly notify First Pacific Financial if there are changes in their financial situation or if they wish to place any limitations on the management of their portfolios. Clients may impose reasonable restrictions or mandates on the management of their accounts if First Pacific Financial determines, in its sole discretion, the conditions would not materially impact the performance of a management strategy or prove overly burdensome to First Pacific Financial’s management efforts. Retirement Plan Consulting Services First Pacific Financial provides various consulting services

to qualified employee benefit plans and their fiduciaries. This suite of institutional services is designed to assist plan sponsors in structuring, managing, and optimizing their corporate retirement plans. Each engagement is individually negotiated and customized, and may include any of the following services:
• Plan Design and Strategy
• Plan Review and Evaluation
• Compensation Planning & Benefits
• Investment Selection & Review
• Plan Fee and Cost Analysis
• Plan Committee Consultation
• Fiduciary and Compliance
• Participant Education As disclosed in the Advisory Agreement, certain of the foregoing services are provided by First Pacific Financial as a fiduciary under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”). In accordance with ERISA Section 408(b)(2), each plan sponsor is provided with a written description of First Pacific Financial’s fiduciary status, the specific services to be rendered and all direct and indirect compensation they reasonably expect under the engagement. Charitable and Non-Profit Services First Pacific Financial provides a range of services to non-profit clients including charitable organizations and foundations that include consulting services as well as discretionary management of investment portfolios. First Pacific Financial primarily allocates client assets among various mutual funds, exchange-traded funds (“ETFs”) and individual equities in accordance with stated investment objectives. First Pacific Financial tailors its advisory services to meet the needs of its charitable and non-profit clients and seeks to ensure, on a continuous basis, that client portfolios are managed in a manner consistent with those needs and objectives. First Pacific Financial consults with clients on an initial and ongoing basis to assess their specific risk tolerance, time horizon, liquidity constraints and other related factors relevant to the management of their portfolios. Clients are advised to promptly notify First Pacific Financial if there are changes in their financial situation or if they wish to place any limitations on the management of their portfolios. Clients and/or committees may impose reasonable restrictions or mandates on the management of their accounts if First Pacific Financial determines, in its sole discretion, the conditions would not materially impact the performance of a management strategy or prove overly burdensome to the First Pacific Financial’s management efforts. 5 | P a g e Additional Insurance Services First Pacific Financial offers insurance planning services as part of the ongoing financial planning services for some Wealth Management and Spark clients. First Pacific Financial receives no insurance commissions or revenue from DPL or Flourish Annuities. DPL Financial Partners, LLC (“DPL”) is a third-party provider of a platform of insurance consultation services to investment advisers with clients who have current or future needs for insurance products. DPL's platform is available to SEC investment advisers. DPL offers RIAs memberships to its platform for a fixed annual fee. Through its licensed insurance agents, who are also registered representatives of Johnstone Brokerage Services (“JBS”). JBS an unaffiliated SEC-registered broker-dealer and FINRA member, offers members a variety of services relating to commission free insurance products. These services include, among others, providing members with analyses of their current methodology for evaluating client insurance needs, educating and acting as a resource to members regarding insurance products generally and specific insurance products owned by their clients or that their clients are considering purchasing, and providing members access to, and marketing support for, commission free products that insurers have agreed to offer to members’ clients through DPL’s platform. First Pacific Financial may direct clients to Flourish Annuities, an unrelated third party that provides a marketplace of specific annuity products. Flourish Annuities then takes responsibility for recommending and selling an appropriate annuity to the client in accordance with applicable laws. After the client purchases an annuity, First Pacific Financial may be engaged by the client to provide ongoing advisory services regarding the proper allocation between the annuity and other investments in the client’s portfolio, and may charge advisory fees on the balance of an annuity for its initial and ongoing advice relating to the proper allocation between an annuity and other investments in the client’s portfolio, in accordance with each client’s existing fee schedule. The amount and terms associated with this fee are described in further detail in Item 5 of this brochure below. It is the responsibility of Flourish Annuities to provide ongoing administrative services with respect to in-force annuity contracts. . Flourish Annuities refers generally to the annuity platform operated by Flourish Technologies LLC, and to Flourish Insurance Agency LLC in its capacity as a licensed insurance producer providing insurance services via the platform. Through Flourish Insurance Agency LLC, Flourish Annuities offers services relating to the sale of a specified set of commission-free annuity products. Selection of Other Advisers First Pacific Financial may direct clients to third-party investment advisers. First Pacific Financial may specifically direct clients to Parametric Portfolio Associates LLC. Before selecting other advisers for clients, First Pacific Financial will verify that all recommended advisers are properly licensed, notice filed, or exempt in the states where First Pacific Financial is recommending the adviser to clients. Tax Planning and Preparation Services First Pacific Financial offers tax preparation services as part of our ongoing financial planning services for some of our Spark clients. This service allows us to assist our clients in the filing of federal and state tax returns for individuals, trusts, and businesses. We utilize the services of Zeiter Tax Services, a third-party accounting and tax planning firm, to facilitate the preparation and filing of a client’s tax return and we work with the client and Zeiter Tax Services to gather the necessary information as part of this service. If the client also engages us for Tax Planning Services, Zeiter Tax Services licensed CPAs work with the client to conduct research and answer tax- related questions to help the client adequately plan through certain transactions and financial changes so that they can fully understand any tax consequences or opportunities for savings in the future. For clients engaging in the financial planning package, there is no separate fee for tax preparation or tax planning services unless disclosed separately and agreed to by the client ahead of time. First Pacific Financial has a total of $ 1,272,193,128.00 in discretionary assets under management as of December 31, 2023. First Pacific Financial has a total of $ 5,143,327.00 in non-discretionary assets under management as of December 31, 2023. First Pacific Financial has a total of $ 224,083,000.00 in assets under advisement as of December 31, 2023. 6 | P a g e