South Bay Financial Partners (Advisor) provides custom financial planning, financial therapy, investment advice, and tax preparation services. We provide an integrated service that facilitates all aspects of Client’s financial life including matters relating to their small business, interfacing with Client’s other professional Advisors, and family members with matters relating to finances. We specialize in a myriad of areas, including multi-generational family financial planning, later life transitions and financial coaching for young adults. Each Client is evaluated individually, and advice is solely based on their needs and goals. We do not sell financial products, nor do we receive commissions or fees for products that we recommend. All Advisor income is paid directly for services rendered. Client should be aware that, in general, the interests of the Advisor may not be the same as the interests of the Client. Clients are under no obligation to act on Advisor’s recommendations. If Client elects to act on any of the recommendations, Client is under no obligation to affect the transaction through Advisor. Advisor has $113,309,458 of non-discretionary assets and 51 Clients under management as of December 31, 2022. Advisor has been incorporated in the State of California since December 18, 2014 and is wholly owned by Tara T. Unverzagt and Robert M. Unverzagt. Tara has been a financial Advisor since 1992. Robert is not involved in the day-to-day operation of the firm. A. Investment Advisory Services Advisor manages portfolios that trade primarily in individual domestic stocks and investment grade bonds. Advisor invests in exchange traded funds (ETFs), mutual funds, lower grade bonds, and international securities. Client’s needs and risk preferences are established to determine portfolio design with the aim of meeting financial goals and objectives. Advisor and Client will review goals, objectives, and risk levels at least annually. Client can provide restrictions on investments including types of securities to select, particular securities or industries that they do or do not want to invest in, or other South Bay Financial Partners | Page 6 parameters. While Advisor does not open brokerage accounts, Client can request assistance. B. Financial Planning Advisor provides a variety of financial planning services to Client which, depending on complexity, can include:
• Full financial plan that includes analysis of current financial situation based on information provided by Client, analyzing beliefs and behaviors that affect financial decisions, determining financial goals, analyzing risk management (including insurance and investment risk), developing a plan to meet goals, estate plan analysis.
• Monitoring and executing plan and goals. Including assistance to family at the death of a Client.
• Any portion of the financial

plan may be completed independently.
• Plans to achieve goals can include planning for college, retirement, debt reduction, major purchase, or life change (e.g. getting married, changing jobs or careers, financial independence, transitioning into retirement homes, assisted care and memory care facilities, and death of a loved one), among others.
• Charitable giving planning and execution.
• Small business planning including cash flow, strategic planning, benefits, and tax planning.
• Tax preparation and planning. C. Financial Coaching and Therapy Hourly one-on-one sessions are available as support to clients who are executing their own financial plan, investments, and tax preparation and planning. The information provided is general in nature and allows members to make decisions for themselves. Advisor does not open accounts, execute trades, or decide what custodian the members should use, etc. South Bay Financial Partners | Page 7 D. Publication of Periodicals or Newsletters Advisor will periodically publish a blog entry on the company website. The information is general in nature and is not meant to represent financial or tax advice. Each person’s financial situation is unique, and advice needs to be customized to their particular situation. The information is meant to be a starting point in determining potential financial needs to be addressed. Advisor may publish other newsletters written by the company or purchased from a third party. Newsletters may be distributed on paper or electronically. No specific information about performance, past or expected, or particular securities will be discussed except for publicly known facts such as prices and benchmark performance such as the S&P 500 Index and Dow Jones Industrial Average. E. Educational Seminars/Workshops Advisor will conduct workshops and on demand courses. They are open to the public, on various topics of financial planning, investments, and tax preparation. These are general in nature and are not meant to represent financial or tax advice for a specific person. No specific information about performance, past or expected, or particular securities will be discussed except for publicly known facts such as prices and benchmark performance such as the S&P 500 Index and Dow Jones Industrial Average. F. Online Environment – Your Amazing Financial Life (YAFL) Advisor provides a service that allows individuals access to financial planning, financial coaching, financial therapy, investment, and tax information. There are courses and workshops available for educational purposes only. YAFL members can ask questions and Advisor may refer them to resources publicly available in addition to providing general answers that provide choices or a framework to consider when making financial decisions. Advisor does not participate in a wrap fee program.