About Our Firm Kaizen Financial Advisors, LLC (“Kaizen,” “firm,” “we,” “our,” and “us”) is Washington limited liability company founded in October 2010 by its managing member, Laurie L. Klein, CFP®, ChFC®. We offer portfolio management, financial planning, tax planning, and personalized financial coaching services to our clients (“client,” “you,” and “your”). Our wealth management process is designed to help you make better decisions by avoiding dangers, seizing opportunities, and maximizing your strengths. Our goal is to organize your financial life to free up your time to devote to activities that are more personally fulfilling. Our clients consist primarily of high-net- worth individuals who have realistic investment expectations and who value our advice and expertise. Kaizen is a fee-based fiduciary investment advisor. We act in a fiduciary capacity and only provide investment advice that we believe to be in your best interests. We cannot and do not accept or collect brokerage commissions or any other form of compensation in connection with the purchase or sale of securities or other investment products. We believe our fee-based method of doing business mitigates against conflicts of interest and best aligns with our role as your trusted fiduciary. Our Services Wealth and Portfolio Management Services We offer a variety of investment advisory services to clients. Our investment advice is always tailored according to each client’s financial circumstances, objectives, and needs. Most clients engage us for a comprehensive investment advisory relationship encompassing some or all of the below services, as applicable to their unique financial needs and goals. Investment advice regarding a limited sub-set of the below topics is available on a stand-alone basis (e.g., financial planning related to divorce). Corporate clients may also engage us for retirement plan consulting services. Individual Retirement Planning: We believe that thinking ahead to retirement is critical, no matter how far away it may seem. People are now typically living longer lives, and defined-benefit plans are becoming less common, leaving it up to the individual to contribute adequate funds to survive on what could amount to multiple years without income from a job. We’ll advise you on matters such as when to take social security and pension benefits, which savings vehicles to use to accumulate your wealth, withdrawal strategies to reduce the amount of tax you pay, and how to make sure you maintain your desired lifestyle in your golden years. Tax Planning: Is an area that adds a lot of value to clients’ situations because accumulating, accessing, and transferring wealth has serious tax implications. Kaizen will help you minimize current and future taxes as part of your financial picture. Estate Planning: Estate planning is advance planning that helps you control who will inherit your money and property, and who can make medical and financial decisions on your behalf if you’re unable to do so yourself. We will help you decide the best way to transfer your assets to your loved ones and charity as well as minimize or avoid your tax liability. Employee Benefits: 401ks, employee stock plans, and health insurance may be just a few of the benefits offered by your employer. We will advise you as to how you can take maximum advantage of these benefits and avoid missing opportunities for increased growth or savings. College Savings: Saving for future college costs and other educational expenses is a major financial goal for many families. There are several tax-advantaged savings programs that can help. We will assist you to identify these programs and maximize the possible advantages of their use. Risk Management: Find peace of mind for yourself and your family by planning for life’s worst “what- if” moments such as premature death, disability, property and casualty losses, and long-term care. The hope is that these scenarios never occur, but there are no guarantees they won’t, and planning should be done to protect your financial security if they do. Business Planning: We provide consulting services for clients who currently operate their own business, are considering starting a business, or are planning for an exit from their business. Under this type of engagement, we work with you to assess your current situation, identify your objectives, and develop a plan aimed at achieving our goals. We also offer retirement benefit plans to help you retain and attract talent. Ongoing Investment Management: As part of our wealth management process, further described below, we will put together an integrated plan for investment of your assets in a written Investment Policy Statement (“IPS”) which is tailored based on our understanding of your unique investment objectives, financial circumstances, tolerance for investment risk, and time horizon for investments. Your portfolio will only be allocated once your investment objectives and risk profile have been determined in connection with your other goals. You will typically be required to grant us ongoing and continuous discretionary authority to execute our investment recommendations within your designated investment accounts without obtaining your prior approval for each transaction. Your assets will be held in your name in the custody of an independent qualified custodian, typically a broker-dealer, who will implement our investment recommendations within your account upon our instruction. We will maintain your IPS and update it annually and as otherwise necessary as your financial situation and needs change. We will monitor your investments on an ongoing basis and adjust your portfolio in consideration of current economic conditions, our market opinions and assumptions, and any material changes in your individual financial circumstances, goals, and needs. Kaizen typically uses model portfolios to manage client money. Model portfolios are a series of predefined asset allocations in which a recommended mix

of different asset classes are proposed based on a client’s risk tolerance. Over time, these portfolios are rebalanced according to changing market conditions or client circumstances. We may use substitute positions in our models based on the client’s specific situation, such as not wanting to sell a specific investment due to capital gains. Clients may choose to restrict certain investments in their account(s) and we will note this information in the client’s IPS. We will also hold investments outside our models if the client chooses to hold specific investments or concentrated stock positions. As part of our rendering of ongoing investment management services to clients, we have engaged East Bay Investment Solutions (f/k/a East Bay Financial Services, LLC) (“East Bay”) (CRD No. 166207) on a consulting basis to assist us with a number of portfolio management, research, and other investment advisory functions. East Bay is an independent registered investment advisor firm and does not supervise or control our firm or its personnel. East Bay serves us in a fiduciary capacity, assisting our firm by providing us with non-discretionary portfolio construction advice, by assisting us with investment monitoring functions, and helping us to stay up-to-date on current research and market events. We believe that this collaborative relationship enhances our client experience by bringing more investment experience and knowledge to the table. Clients do not pay any fees to East Bay for the portfolio management support services they provide to Kaizen. Our Wealth and Portfolio Management Process: Discovery, Design, Implementation, and Maintenance
• Discovery: During this phase a prospective client is required to provide fill out a questionnaire detailing their assets, liabilities, income, and expenses. In addition, we are going to ask you what you are trying to accomplish with your wealth.
• Design: Once your information has been received, we will prepare a financial review and make our recommendations based on your plan and stated objectives.
• Implementation: Clients subscribing to our services will receive a detailed plan designed to achieve their stated objectives. Once agreed upon, we help you implement our recommendations. When necessary, we coordinate with your other advisors.
• Maintenance: Because financial planning is dynamic, ever-changing, and never complete, the maintenance phase includes the ongoing oversight of your finances. A new client can expect several meetings to develop their plan. Once the client agrees upon recommendation then we begin implementing our advice. Generally, the phase takes a year to complete, but it varies depending on your circumstances. The plan and the client’s financial situation will be monitored, and follow-up correspondence will be made to verify that any agreed-upon action steps have been carried out. On a periodic basis, we will review your plan and your progress toward your goals. Our clients receive a meeting summary including any outstanding actions (e.g., a “to-do” list) that need to be addressed. As part of our rendering of financial planning services, we have engaged Delegated Planning, LLC (“Delegated Planning”) (CRD No. 166413) to assist us in the coordination and processing of financial information provided by clients for financial planning purposes, formulating and projecting future financial scenarios for clients, and in the preparation of certain written reports, plans, and summaries. Delegated Planning is an independent registered investment advisor firm and does not supervise or control our firm or its personnel. We will remain your primary point of contact for financial planning questions and concerns and will be ultimately responsible for reviewing any reports, plans, and/or summaries prepared by Delegated Planning to ensure that your investment needs, goals, and objectives will be met by any recommendations contained therein. Clients do not pay any fees to Delegated Planning for the financial planning support services they provide to Kaizen. It is the client’s responsibility to promptly notify Kaizen if their financial situation or investment objectives change and Kaizen is not required to verify any information received from the client or from the client’s other professionals. Retirement Plan Consulting Services For corporate clients, we offer retirement plan consulting services to qualified retirement plans and their fiduciaries based upon the needs of the plan and the services requested by the plan sponsor or named fiduciary. In general, these services may include a review of an existing plan, formulation of the investment policy statement, assistance selecting and monitoring plan service providers, recommendations regarding investment selection, on-going consulting, portfolio management services, and participant enrollment and investment education services. Wrap Fee Programs A wrap fee program is an investment program under which a client pays a bundled fee that covers the cost of investment advice combined with the costs of transaction execution (e.g., brokerage commissions). We do not recommend any wrap fee programs to clients, nor do we serve as a portfolio manager or sponsor of any wrap fee programs. Types of Investments Recommended While we don’t recommend any particular type of investment over any other, client portfolios are typically constructed using a diversified mix of some or all of the following instruments: individual stocks, corporate and government debt securities, mutual funds, exchange traded funds (“ETFs”), real estate investment trusts (“REITs”), money market funds, certificates of deposit, cash, and cash equivalents. We may also recommend other types of investments based on your specific investment objectives and needs. Assets Under Management As of December 31, 2023, we managed approximately $220,275,402 in client assets on a discretionary basis and $535,705 of client assets on a non-discretionary basis.