A Willamette Financial Advisors, LLC (“Willamette Financial Advisors” “we” or “us”) is a registered investment advisory firm located in Portland, Oregon that is registered with United States Securities and Exchange Commission (SEC). We provide financial planning and investment management services. The firm has been in business since 2014 and the principal owners are Ronald A. Barry, PhD, CFP® and James M. Jones, CFP®. Our investment advisory services are driven by and coordinated with each Client’s individual financial goals. Our approach uses broadly diversified portfolios and a systematic strategy to manage investments. We follow strict fiduciary standards, putting our Clients’ interests before our own and seeking to avoid conflicts of interest with our Clients. B, C We help Clients coordinate and prioritize their financial lives with all aspects of their life goals. Integrating investments across all individual retirement accounts, taxable accounts, and employee retirement accounts is crucial to the process. Client input and involvement are critical parts of the financial planning process and implementation of investment decisions. After Client assets are invested, we monitor their investments and provide advice related to ongoing financial and investment needs. We are objective advisors, and we always put our Clients’ interests first. Willamette Financial Advisors has discretionary and non-discretionary authority over Client funds. Discretionary authority means that we have the authority to determine, without obtaining specific Client consent, the securities bought or sold and the amount of securities bought or sold. The only restrictions on the above discretionary authority are those set by the Client on a case by case basis. Discretionary authority allows us to act on behalf of the Client in most matters necessary or incidental to the handling of the account, including monitoring certain assets, without the Client’s prior approval. We offer the following stand-alone financial planning services to clients:
• Investment Planning/Investment Policy Statements
• Retirement Planning/Financial Independence
• Capital Needs Analysis (Goal Funding)
• Debt Reduction
• Income Tax Planning
• Estate Planning
• College/Education Planning
• Risk Management (Life and Disability Insurance)
• Philanthropic Planning
• Cash flow and Net Worth Update
• Other Projects A conflict exists between the interests of the investment adviser and the interests of the client. The client is under no obligation to act upon the investment adviser's recommendation. If the client elects to act on any of the recommendations, the client is under no obligation to effect the transaction through the investment adviser. Willamette Financial Advisors may, on occasion, recommend that all or a portion of the assets in Client accounts be managed by a properly registered Third Party Asset Manager (“TPAM”) or sub-advisor. TPAM or sub-advisory fees will be paid directly to the TPAM or sub-advisor from the Client’s account and represent a portion of the account management fees paid by the Client; the remainder of the advisory fees debited from the Client’s account will be paid to the

Advisor. In all discretionary accounts, except to the extent the Client directs otherwise, the Advisor is authorized to use its discretion in selecting or changing a TPAM and/or sub- advisor to the Account without prior notice to the Client. Client may be required to execute a limited power of attorney with a TPAM or sub-advisor selected by Advisor under this Section. Advice and services are tailored to the stated objectives of the Client(s). We discuss with the Client in detail critically important information, such as the Client’s risk tolerance, time horizon, and projected future needs, to formulate an investment policy. This policy guides us in objectively and suitably managing the Client’s account. We meet with Clients as needed to review portfolio performance, discuss current issues, and re-assess goals and plans. Our approach uses broadly diversified portfolios and a systematic strategy to manage investments. Our investment recommendations generally include mutual funds, exchange- traded funds, and exchange-listed and non-exchange-listed equity securities. We also recommend certificates of deposit, corporate and municipal bonds, municipal securities, U.S. government securities, and money market funds. If Clients hold other types of investments, we will advise them on those investments also. Clients may impose restrictions on investing in certain securities or types of securities. We consider such restrictions when executing the Investment Advisory Agreement. As part of the services offered to clients, we may provide certain advisory services with respect to assets of the Client that include a (i) pension or other employee benefit plan (including any 401(k) plan or similar defined contribution plan) governed by the Employee Retirement Income Security Act of 1974, as amended (“ERISA”); (ii) tax-qualified retirement plan (including a Keogh plan) under Section 401(a) of the Internal Revenue Code, as amended (the “Code”), and not covered by ERISA; and/or (iii) an individual retirement account (“IRA”) under Section 408 of the Code. If certain Client assets are for a plan subject to ERISA, the Client appoints the Advisor, and the Advisor accepts its appointment, as an “investment manager” for purposes of ERISA and the Code, and the Advisor acknowledges that it is a “fiduciary” within the meaning of Section 3(21) of ERISA and Section 4957(e)(3) of the Code (but only with respect to the provision of services described in Section 1 of this Agreement). See Item 8 for a description of our investment strategy. We follow strict fiduciary standards as required by the Advisers Act of 1940, putting our Clients’ interests before our own and seeking to avoid conflicts of interest with our Clients. We are compensated only by our Clients. Nonetheless, conflicts of interest do exist between our interests and our Clients’ interests. Thus, our Clients are not obligated to act on our recommendations, or they can act on one or more of our recommendations without transacting business directly with us. D We do not participate in or sponsor any wrap-fee programs E We manage $115,819,361 of Client assets on a discretionary basis and $7,265,830 of Client assets on a non-discretionary basis. This amount was calculated as of March 3, 2023.