Pacific Peak Advisors, LLC (hereinafter “Pacific Peak” or “firm” or “we”) is an SEC- registered investment adviser with its principal place of business located in Ketchum, Idaho. Pacific Peak is owned by Robin Robertson and Sean Kovich and has been in business since 2014. INVESTMENT MANAGEMENT SERVICES Pacific Peak provides ongoing discretionary investment management services to its clients’ portfolio of securities who are individuals, trusts, and businesses. This means that clients give us the authority to select, buy and sell securities in their portfolio without obtaining prior approval. After personal discussions in which goals and objectives based on a client’s particular circumstances are established, we create and manage a portfolio based on the client’s individual financial plan, as described below. During our data gathering process, we determine the client’s investment objectives, time horizons, risk tolerance and liquidity needs. As appropriate, we also review and discuss a client’s prior investment history, as well as family composition and background. All client accounts are continuously monitored for adherence to their financial plan over the course of the relationship as part of our standard advisory services. Clients are advised to promptly notify Pacific Peak if there are changes to their financial situation or investment objectives and if they wish to change any existing or impose any additional reasonable restrictions on the management of their account that do not impact Peak’s ability to manage the client’s account in accordance with the client approved financial plan objectives, based on Pacific Peak’s professional judgment. For example, clients may impose reasonable restrictions on investing in certain securities, types of securities, industry or sectors. Our investment recommendations are not limited to any specific product or service offered by a broker-dealer or insurance company and will generally include advice regarding the following securities: U.S. Exchange-traded stocks, ETFs, mutual funds, exchange-traded ADRs, state/local municipal bonds, investment-grade corporate bonds, and unit investment trusts (UITs). We select and invest on behalf of our clients in the lowest cost, non-commission based ETFs and mutual funds. Third-Party Money Managers. Pacific Peak has selected an unaffiliated third-party investment adviser for the management of clients investing in municipal bonds, subject to the overall supervision of Pacific Peak. (See Items 7 and 10 for additional disclosures.) Pacific Peak monitors the third-party adviser’s performance and adherence to client objectives. If the third-party adviser is not providing sufficient management services to the client or is not managing the client's portfolio in a manner consistent with the client's stated objectives, we will terminate and select another suitable third-party adviser to manage this portion of the client’s portfolio. When we make rollover recommendations to manage a retirement account, we are a fiduciary under Title I of the Employee Retirement Income Security Act (“ERISA”) and the Internal Revenue Code (“IRC”), which governs retirement accounts. As such, we operate under a special standard of care to provide prudent advice requiring us to act in your best interest and not put our interests ahead of yours, charge no more than a “reasonable fee,” as defined under ERISA, and not make any false or misleading statements. We are required to give you basic information about our conflicts of interest, such as when we make rollover recommendations this allows us to earn an additional fee that is in our interest and disclose other conflicts of interest in the way we make money, as more fully described in Item 10 of this Brochure. Financial Planning Financial planning is a comprehensive evaluation of a client’s current and future financial state by using currently known variables to predict future cash flows, asset values, and withdrawal plans. During the

financial planning process, all questions, information and analysis are considered, as they impact and are impacted by the entire financial and life situation of the client. Clients are given access to an online personal financial portal designed to assist the client in achieving their financial goals and objects. The portal consolidates all account data every night in one secure location, accessible whenever desired from anywhere internet is available. Clients can see updated financial projections such as cash flow and balance sheet year by year anytime, on their own time. In general, our financial planning service can address any or all of the following areas:
• Cash Flow/Budget Planning: We analyze the client’s spending and help them plan for current and future years to increase savings for various goals.
• Investment Planning: We analyze the ownership and maintenance of any assets reflected on an individual’s balance sheet as well as the appropriate investment management for the individual’s portfolio of securities. This includes individual savings, managed investment accounts, qualified retirement plans, business ownerships, home ownership, stock options, and non-traditional assets.
• Asset Protection: This area covers wealth management strategies that intend to preserve an individual’s wealth and protect it from potential life related risks. This consists primarily of various types of insurance: Life insurance, health insurance, disability insurance, long-term care insurance, property and casualty insurance.
• Retirement Planning: We analyze current strategies and investment plans to help the client achieve his or her retirement goals including retirement cash flow planning.
• Tax Planning: We mainly focus on creating strategies to help clients mitigate their tax liability and corresponding payments based on their projected income in current and future years. We coordinate with your tax accountants to implement the tax strategies.
• Estate Planning: We assist the client in strategic planning for asset transfer at death as well as the tracking of any documents that may be relevant to an individual’s estate. It also involves charitable planning and gifting strategies. This includes beneficiary designations, legal documents such as trusts and wills, and the assignment of legal representatives. We coordinate with estate attorneys to serve clients.
• Employer Benefit Planning: We analyze your employer’s benefits including 401(k) plan, medical insurance, equity compensation (stock options, restricted stock awards), pension, and/or Deferred Compensation Plan to help you maximize the benefits. This may involve assistance in helping corporate executives in setting up 10b5-1 predetermined trading plan and stock option exercise strategies.
• Education Planning: We help clients establish education funding goals and analyze the funding methods including using 529 plans and other accounts.
• Business Planning: Once an entrepreneur’s new business venture is up and running, a well-structured financial plan should be put in place to meet business and personal goals by incorporating cash flow, tax planning, compensation and benefits, risk management and exit strategy. Typically, the financial plan is presented to the client for approval prior to either implementing, when providing discretionary advisory services, or assisting in its implementation when performing any of the described non-investment advisory management of the client’s portfolio of securities, provided that all information needed to prepare the financial plan has been promptly provided. Financial Planning recommendations are not limited to any specific product or service offered by a broker-dealer or insurance company. All recommendations are of a generic nature. ASSETS UNDER MANAGEMENT As of September 7, 2023, Pacific Peak’s regulatory assets under discretionary portfolio management of client securities was $153,359,005.