Description of Advisory Firm West Coast Financial, LLC (“WCF,” “we,” “our,” or “us”) is a privately owned Limited Liability Company. WCF is registered as an investment adviser with the U.S. Securities and Exchange Commission (“SEC”). E. David Yossem, Inc. (DBA West Coast Financial) is the predecessor firm which was founded by E. David Yossem in 1983 and registered as an investment adviser with the SEC the same year. WCF’s primary owner and managing member is Steven A. Weintraub. Our Mission We serve a limited number of qualified individuals and concentrate our practice on personalized comprehensive fee-only wealth management to help our clients accumulate, grow, protect, enjoy and transfer their wealth, and in the process alleviate their concerns about money so that they can focus on other things in life, such as family, friends, career, physical health, spirituality and the pursuit of happiness. What makes WCF unique:  Fee Only  Concierge Approach – All services included in one asset-based fee  We commit to a fiduciary standard of care for all of our clients  Integration of planning work and investment management – in the beginning and throughout the client relationship  Clients always have access to principals of the firm  Independent and local to Santa Barbara for over 30 years Advisory Services Offered WCF offers comprehensive wealth management services to our clients. Our investment management, financial planning, and all other related services are offered on an integrated basis and all are included in our typical client engagement. Investment Management Services WCF offers advice to clients regarding asset allocation and the selection of investments. Investment management services include designing, implementing, and continued monitoring of the client’s account. WCF will invest the account on a fully discretionary basis, limited only by the client’s individual needs and any restrictions imposed on the account, as indicated in the client’s stated Investment Policy with WCF. West Coast Financial, LLC Brochure Revised March 25, 2024 7 We will typically allocate client portfolios among traditional marketable securities (money market instruments, bonds, preferred stocks, common stocks, and real estate investment trusts). We also utilize mutual funds where appropriate for diversification needs. WCF may also occasionally offer advice regarding additional types of investments if they are appropriate to address the individual needs, goals, and objectives of the client or in response to client inquiry. WCF may offer investment advice on any investment held by the client at the start of the advisory relationship, or acquired by the client during the relationship. We describe the material investment risks for many of the securities that we recommend under the heading Specific Security Risks in Item 8 below. We discuss our discretionary authority below under Item 16 - Investment Discretion. For more information about the restrictions clients can put on their accounts, see Tailored Services and Client Imposed Restrictions in this item below. We describe the Fees charged for investment management services below under Item 5 - Fees and Compensation. Non-Discretionary Accounts WCF also offers investment advisory services to clients on a non-discretionary basis. For these clients WCF will contact the client before making recommendations it deems appropriate for the client. See also Item 16 – Investment Discretion below. Proprietary Private Funds WCF acts as the investment adviser to the WCF Ozone Fund I, LP, the WCF Real Estate Fund I, LP, and the WCF Real Estate Fund II, LP (collectively, “Ozone, RE I, and RE II”) and to the WCF Real Estate Fund III, LP (“RE III”) and the WCF Real Estate Fund IV, LP (“RE IV”), and as the general partner of Ozone, RE I, and RE II. WCF RE Associates III LLC and WCF RE Associates IV LLC, related parties, act as the general partners of RE III and RE IV, respectively. All five funds have been organized by WCF to invest in real estate, including a fund organized to invest in qualified opportunity zones (collectively, the “Funds”). Each of the Funds is available only to “Accredited Investors,” as the term is defined by Rule 501 of the Securities Act of 1933, and only by a private offering memorandum. Additional information on these standards is provided in the applicable private placement memorandum and subscription agreement for each Fund. This Form ADV Part 2A Brochure is not an offer to sell, or a solicitation of an offer to purchase, interests in any of the Funds. Such an offer can only occur when the prospective investor receives the appropriate offering documents. Financial Planning Services WCF offers a range of financial planning services, from broad planning to custom planning focused on specific areas requested by the client. WCF prefers to conduct a long term cash flow analysis to help clients determine an appropriate asset allocation. Generally, WCF will deliver a plan to each client. WCF West Coast Financial, LLC Brochure Revised March 25, 2024 8 offers to update the plan annually at no charge. There may be circumstances when a financial plan is not necessary. As part of the financial planning process, WCF typically requests information from the client about the client’s financial situation and needs, including: net worth, income, expenses, taxes, investments, retirement plans, life insurance, disability insurance, health insurance, long term care insurance, business agreements, divorce papers, pre-nuptial agreements, estate documents, and any other documents that pertain to their overall financial picture. In addition, WCF asks the client about their future goals, financial circumstances and objectives. WCF then assists clients with developing a personalized plan. Typically, we develop the plan with the client over several in-person meetings. WCF may also work with the client to provide advice regarding a particular aspect of the client’s financial situation. Areas of focus might include: 1. Preparing for or living in retirement 2. Investment strategies 3. Estate planning strategies 4. Income tax planning 5. Stock option analysis and planning 6. Insurance: life, disability, medical, long-term care insurance 7. Family savings and

cash flow planning 8. Education planning and funding 9. Charitable gifting 10. Debt management 11. Employee benefit usage 12. Other, as determined between WCF and the client Our financial planning services do not include preparation of any kind of income tax or estate tax returns or preparation of any legal documents, including wills or trusts. We provide financial planning services as a component of our integrated wealth management services. We describe our fees for investment management and retainer services below under Item 5 - Fees and Compensation. Retainer Services We, in certain selective situations, offer retainer services to clients who desire continuing financial planning services and/or investment management services for portfolios which contain dissimilar assets requiring varying amounts of time for supervision and management. For example, dissimilar assets may include low cost basis stock. Upon client request, we will monitor dissimilar assets on an ongoing basis. We describe the fees charged for retainer services below under Item 5 - Fees and Compensation. West Coast Financial, LLC Brochure Revised March 25, 2024 9 Consulting Services For certain clients and/or particular circumstances, as described below, WCF may also provide consulting services. The specific scope of any engagement to provide consulting services is agreed upon with the client. Real Estate Consulting Our real estate consulting services may include any or all of the following: (i) consulting services in connection with proposed purchase and sale transactions; (ii) formulating investment, tax, estate, and multi-generational strategies; (iii) advice on property management; and (iv) consultation services with regards to real estate limited partnerships and other real estate-focused private funds. Foundation/Endowment Advisory Services Our consulting services for foundations or endowments may include any or all of the following: (i) acting as a consulting chief investment officer for the organization and overseeing asset managers, risk profile of the portfolio, performance and other factors on a non-discretionary basis; (ii) assisting with the development and maintenance of an effective spending policy designed to protect the long-term viability of the organization’s assets; (iii) assisting with development of a clear governance process to ensure investment decisions are properly vetted; and (iv) assisting or leading on education of the organization’s board or committee members on important topics and policies related to stewardship of the organization’s assets and investments. Corporate Advisory Services Our corporate consulting services may include any or all of the following: (i) employee benefits consulting (401k plans, insurance, etc.); (ii) financial planning services for executives and other employees; (iii) objective strategic business guidance for owners and/or entrepreneurs; (iv) advice on succession planning and enhancing business value; and (iv) advice with regards to potential financing and other corporate finance transactions. Limitations on Investments In some circumstances, WCF’s advice may be limited to certain types of securities. Limitation by Plan Sponsor/Employer In the event WCF is managing assets within a retirement plan such as 401(k) or other employer plan, WCF is limited to those investment providers and investment options chosen by the plan administrator. Similarly, when we provide services to participants in an employer-sponsored plan, the participant may be limited to investing in securities included in the plan’s investment options. Therefore, WCF can only make recommendations to the client from among the available options, and will not recommend or invest the client’s account in other securities, even if there may be better options elsewhere. West Coast Financial, LLC Brochure Revised March 25, 2024 10 Mutual Fund Limitations No Load Mutual Funds WCF generally limits recommendations of mutual funds to no load funds or equivalent investment products. Limitation by Custodian There may also be limitations on the mutual funds that we recommend. Clients establish brokerage accounts primarily with Schwab Institutional®, a division of Charles Schwab & Co., Inc. (“Schwab”), or Fidelity®, each a registered broker-dealer, Member SIPC. Limitation by Client WCF may also limit advice based on certain client-imposed restrictions. For more information about the restrictions clients can put on their accounts, see Tailored Services and Client Imposed Restrictions in this Item below. Tailored Services and Client Imposed Restrictions WCF manages client accounts based on the asset allocation the client chooses, as discussed below under Item 8 - Methods of Analysis, Investment Strategies, and Risk of Loss. WCF applies the strategy for each client, based on the client’s individual circumstances and financial situation. We make investment decisions for clients based on information the client supplies about their financial situation, goals, and risk tolerance. Our recommendations may be limited if the client does not provide us with accurate and complete information. It is the client’s responsibility to keep WCF informed of any changes to their investment objectives or restrictions. Clients may also request other restrictions on the account, such as when a client needs to keep a minimum level of cash in the account or does not want WCF to buy or sell certain specific securities or security types in the account. If a client requests restrictions on certain categories of securities (for socially conscious reasons, for example), WCF may replace that portion of the portfolio with a broad- based exchange traded fund as an asset class substitute. WCF reserves the right to not accept and/or terminate management of a client’s account if we feel that the client-imposed restrictions would limit or prevent us from meeting or maintaining the client’s investment strategy. Assets Under Management WCF manages client assets on a continuous and regular basis. As of 12/31/2023, the total assets under management were: Discretionary Assets $1,894,953,994 Non-Discretionary Assets $ 4,320,334 Total Assets Under Management $1,899,274,328 West Coast Financial, LLC Brochure Revised March 25, 2024 11