Bear Mountain Capital Inc. (“BMC” or “the Firm”) has been in business since August 2009 and is located in Seattle, WA. Joe Day is the Chief Executive Officer and sole principal owner of the company. Joe currently holds the Chartered Financial Analyst (CFA) designation. Joe earned the right to use the CFA designation, as determined by the CFA Institute in 2011. He has a degree in Business Administration, with a major in Finance, from Gonzaga University. Bear Mountain Capital provides wealth management investment advisory services to individuals and household, including small business and institutions, regarding portfolio management and financial planning. In addition, Bear Mountain Capital also provides private fund investment advisory and management services to private investment funds. Wealth Management Investment Advisory Services Bear Mountain Capital’s primary business is to provide financial planning and investment advisory services through its Investment Advisor Representatives (IARs) to individual clients. These investment advisory services are offered to new clients on a discretionary advisory basis going forward. Bear Mountain Capital Inc. will manage assets on behalf of clients on a discretionary basis only, with the exception of a few existing legacy non-discretionary clients. Bear Mountain Capital strives to integrate the goals and objectives of the client using assumptions that they provide us to create and manage securities portfolios for clients. All wealth management clients of Bear Mountain Capital will receive financial goal analysis services at no charge. Bear Mountain Capital may maintain relationships with other affiliated and unaffiliated financial entities, such as securities broker-dealers or insurance companies, through which they may provide other financial products or advice. Bear Mountain Capital provides only those advisory services specified in this Form ADV 2A. Bear Mountain Capital only provides advisory services for those assets of a client specifically subject to an advisory contract with them. Bear Mountain Capital services are outlined below:
• Understanding Your Financial Circumstances (Discovery Analysis): Here we focus on the key components of your financial situation: time- horizon, tax considerations, liquidity needs, liabilities and any other unique circumstances that pertain to you.
• Defining the Issues (Investment Policy Statement Development): In this step we combine the results of our discovery analysis into an investment policy statement we hold on-file for each client. This document articulates your circumstances, defines any restrictions a client may request regarding how the money is invested, outlines an asset allocation that meets your needs and guides your long-term investment plan.
• Creating a Personalized Road Map (Financial Goal Analysis): We take the information identified in the discovery analysis and formulate a well-defined road-map for obtaining your long- term goals. It differs from your investment policy statement by defining clear goals and several “what-if” scenarios to help you meet those goals.
• Making it Happen (Portfolio Implementation): During this step, we implement our portfolio strategy by ensuring the most cost effective, tax- efficient investment mix for each client. Our portfolios are comprised of an optimum mix of index funds, mutual funds, stocks, bonds, and CD’s, exposing you to several asset classes within US and international markets.
• Staying the Course (Portfolio Review): We believe it is critical your investment portfolio is reviewed on a periodic basis. We rebalance your portfolio to stay in line with your long-term objectives. We also review and revise your investment

policy statement and financial plan on a regular basis to take into account changes in economic conditions, market environment, and your financial situation. Private Fund Investment Advisory Services Bear Mountain Capital other responsibilities include providing investment supervisory services to private investment funds (herein, the “Funds,” which definition includes any Fund that may be launched in the future) that invest in other affiliated or BEAR MOUNTAIN CAPITAL INC. FORM ADV 2A – FIRM BROCHURE PAGE 5 OF 16 unaffiliated private investment funds and/or accounts (the Funds are commonly known as “funds of funds”). While these Funds will be generally solicited, the Funds are only available to accredited investors and are subject to payout provisions and any other applicable investment restrictions specific to the Fund, Bear Mountain Capital may pursue a Fund’s investment objectives by (a) placing assets of the Fund in pooled vehicles (“Pooled Vehicles”) managed by third-party managers (“Advisors”), and (b) engaging Advisors to manage separately managed accounts on behalf of the Fund or affiliated holding companies (“Managed Accounts” and, together with Pooled Vehicles, “Sub-Funds”). The Funds managed by Bear Mountain Capital may receive distributions from their underlying investments on a monthly basis, or more frequently based on the underlying investment. However, the Funds currently only distribute income to investors on a quarterly basis. Financial Planning Services Bear Mountain Capital also provides financial planning services, independent of its Wealth Management Services, described above. These financial planning services are charged on an hourly fee basis, as described below. The primary components of these services are outlined below:
• Understanding Your Financial Circumstances (Discovery Analysis): Here we focus on the key components of your financial situation: time- horizon, tax considerations, liquidity needs, liabilities and any other unique circumstances that pertain to you.
• Creating a Personalized Road Map (Financial Goal Analysis): We take the information identified in the discovery analysis and formulate a well-defined road-map for obtaining your long- term goals. It differs from your investment policy statement by defining clear goals and several “what-if” scenarios to help you meet those goals. Rollovers from Retirement Plans; Fiduciary Status for Retirement Investors In recommending that any client roll over retirement plan assets to our management, we have a conflict of interest. Before making any such recommendation we review your existing investment options, fees and expenses, and your overall investment objectives. We only make the recommendation once we have determined that doing so is in your best interest. As an investment advisor we are a fiduciary to all of our clients. We also explicitly acknowledge that we are a “fiduciary” under ERISA or the Internal Revenue Code, or both, with respect to our investment advisory recommendations and discretionary asset management provided to Retirement Investors under this Agreement. A “Retirement Investor” is defined as (1) a participant or beneficiary of a retirement plan with authority to direct the investment of assets in his or her retirement plan account or to take a distribution; (2) the beneficial owner of an IRA; or (3) a “retail” fiduciary, defined as a retirement plan or IRA fiduciary that is not an “independent fiduciary with financial expertise,” as defined in the Department of Labor’s Fiduciary Rule. Assets under management as of 12/31/2022 include: Discretionary Assets: $279,854,703 Non-Discretionary Assets: $769,297 Total Assets Under Management: $280,624,000