BBJS Financial Advisors, LLC is an independent, fee-only comprehensive financial planning firm registered with the U.S. Securities and Exchange Commission. As a Registered Investment Adviser, BBJS Financial Advisors, LLC is held to a fiduciary standard of care putting its clients’ interests ahead of its own. We have been providing investment management and financial planning services since July 2001. Assets can be managed on a discretionary or non-discretionary basis. BBJS Financial Advisors, LLC is located in Seattle, WA with clients located all across the United States and around the world. BBJS Financial Advisors, LLC is wholly owned by William F. Serres II. The value of assets under management on December 31, 2023, was $259,875,549. Typical BBJS Financial Advisors, LLC services are listed below with a description of each. Investment Management: We provide investment management services for our clients’ investment accounts held at our third party custodian, Fidelity. After proper risk profiling and goal analysis is done, an Investment Policy Statement (IPS) is crafted that will serve as the guide by which all future investments will be made. Client assets are put into one of our customizable, model portfolios based on their tolerance for risk. Investments are made in a number of securities across multiple asset classes to build a broadly diversified, cost effective, and tax efficient portfolio. The securities we invest in are generally individual stocks, mutual funds, and exchange traded funds (ETFs). Private investment offerings and separate account managers are considered and may be used as well. More information about the investment management process can be found in Item 8 of this document. Because the portfolios are tailored to each client based on their own unique set of circumstances, it is the client’s responsibility to keep us informed of changes that may impact their investment goals, timeline, risk profile, etc. Clients may impose or remove limitations and restrictions on certain securities or asset classes at any time by letting us know in writing. Investment Consultation: A thorough portfolio review of all client accounts (brokerage, IRA, 401(k) and other

workplace retirement accounts) is completed for each client. Clients who engage our firm for this service are typically looking for a second opinion of their holdings and/or to help give them a better understanding of their overall asset allocation. Recommendations can be given for the client to implement on their own or an investment management proposal for BBJS Financial Advisors, LLC can be provided. Follow up meetings are encouraged but a separate engagement must be initiated. Financial Planning: We realize that financial independence is most likely to be achieved with a comprehensive financial plan. A financial plan helps provide focus, set realistic expectations, and adds clarity to clients’ complex financial lives. A six step process is used to better understand client needs which, in turn, allows us to better guide the client toward achievement of their financial goals. Our six step process is as follows: o Meeting with you. o Gathering all the relevant information necessary to complete the work. o Analyzing the data. o Developing a plan. o Implementing the recommendations by following the action plan developed. o Monitoring the plan. Financial planning engagements range from the basic (such as a simple life insurance review) to the complex (a comprehensive financial plan with retirement income analysis). The following are specific initial services we can provide: o Retirement income analysis/lifetime income planning. o Investment portfolio review. o College education funding analysis. o Estate planning review. o Employee stock options/shares planning. o Income tax planning/compliance (service provided by Bancroft Buckley Johnston & Serres LLP). o Mortgage review. o Insurance review. o Speaking engagement. The suggestions and recommendations included in your financial plan will be advisory in nature, and we cannot guarantee the performance of any investment or insurance products which may be purchased to implement recommendations in your plan. The plan will also include financial projections based on assumptions about future events. We cannot vouch for the achievability of such projections as the assumptions about future events will not be accurate.