Item 5 Additional Compensation.................................................................................................................... 16 Item 6 Supervision .......................................................................................................................................... 16 About the Firm Pacific Capital Wealth Advisors, Inc., which does business as Pacific Capital, is a registered investment advisor headquartered in Corona, California. We have been operating as an investment advisory firm since 2011. Our Owner and President is Chad T. Willardson. Description of Advisory Services We provide financial planning services and ongoing investment supervisory services to Clients. We believe that disciplined asset management and portfolio analysis is critical in order to achieve your desired goals and objectives. We precisely design, customize, manage and monitor portfolios while making the process transparent to you. Financial Planning Services We offer financial planning services which we refer to as our Financial Life Inspection®. The Financial Life Inspection® covers 100 checkpoints including, but not limited to comprehensive savings and retirement planning, income analysis, full portfolio investment review, risk analysis, college planning report, tax optimization review, real estate review, legacy planning and asset protection review, debt analysis and access to a secure online document vault. We also offer continuing financial advice and guidance after the Financial Life Inspection® is delivered for all clients who engage in our investment management services. ERISA Plan Services Pacific Capital provides service to qualified retirement plans including 401(k) plans, 403(b) plans, pension and profit- sharing plans, cash balance plans, and deferred compensation plans. Pacific Capital may act as a 3(21) advisor: Limited Scope ERISA 3(21) Fiduciary. Pacific Capital may serve as a limited scope ERISA 3(21) fiduciary that can advise, help and assist plan sponsors with their investment decisions. As an investment advisor Pacific Capital has a fiduciary duty to act in the best interest of the Client. The plan sponsor is still ultimately responsible for the decisions made in their plan, though using Pacific Capital can help the plan sponsor delegate liability by following a diligent process. 1. Fiduciary Services are:
• Provide investment advice to the Client about asset classes and investment alternatives available for the Plan in accordance with the Plan’s investment policies and objectives. Client will make the final decision regarding the initial selection, retention, removal and addition of investment options. Pacific Capital acknowledges that it is a fiduciary as defined in ERISA section 3 (21) (A) (ii).
• Assist the Client in the development of an Investment Strategy Guide (“ISG”). The ISG establishes the investment policies and objectives for the Plan. Client shall have the ultimate responsibility and authority to establish such policies and objectives and to adopt and amend the ISG.
• Provide investment advice to the Plan Sponsor with respect to the selection of a qualified default investment alternative for participants who are automatically enrolled in the Plan or who have otherwise failed to make investment elections. The Client retains the sole responsibility to provide all notices to the Plan participants required under ERISA Section 404(c) (5) and 404(a)-5.
• Assist in monitoring investment options by preparing periodic investment reports that document investment performance, consistency of fund management and conformance

to the guidelines set forth in the IPS and make recommendations to maintain, remove or replace investment options.
• Meet with Client on a periodic basis to discuss the reports and the investment recommendations. 2. Non-fiduciary Services are:
• Assist in the education of Plan participants about general investment information and the investment alternatives available to them under the Plan. Client understands Pacific Capital’s assistance in education of the Plan participants shall be consistent with and within the scope of the Department of Labor’s definition of investment education (Department of Labor Interpretive Bulletin 96-1). As such, Pacific Capital is not providing fiduciary advice as defined by ERISA 3(21)(A)(ii) to the Plan participants. Pacific Capital will not provide investment advice concerning the prudence of any investment option or combination of investment options for a particular participant or beneficiary under the Plan.
• Assist in the group enrollment meetings designed to increase retirement plan participation among the employees and investment and financial understanding by the employees. Pacific Capital may provide these services or, alternatively, may arrange for the Plan’s other providers to offer these services, as agreed upon between Pacific Capital and Client. 3. Pacific Capital has no responsibility to provide services related to the following types of assets (“Excluded Assets”):
• Employer securities;
• Real estate (except for real estate funds or publicly traded REITs);
• Stock brokerage accounts or mutual fund windows;
• Participant loans;
• Non-publicly traded partnership interests;
• Other non-publicly traded securities or property (other than collective trusts and similar vehicles); or
• Other hard-to-value or illiquid securities or property. Excluded Assets will not be included in calculation of Fees paid to Pacific Capital on the ERISA Agreement. Specific services will be outlined in detail to each plan in the 408(b)2 disclosure. Assets Held Away We use a third-party platform to facilitate management of held away assets such as defined contribution plan participant accounts, with discretion. The platform allows us to avoid being considered to have custody of Client funds since we do not have direct access to Client log-in credentials to affect trades. We are not affiliated with the platform in any way and receive no compensation from them for using their platform. A link will be provided to the Client allowing them to connect an account(s) to the platform. Once Client account(s) is connected to the platform, Pacific Capital will review the current account allocations. When deemed necessary, Pacific Capital will rebalance the account considering client investment goals and risk tolerance, and any change in allocations will consider current economic and market trends. The goal is to improve account performance over time, minimize loss during difficult markets, and manage internal fees that harm account performance. Client account(s) will be reviewed at least quarterly and allocation changes will be made as deemed necessary. Investment Supervisory Services Our investment supervisory services include providing you with ongoing investment advice based upon your investment objectives and risk tolerance. This information is derived through personal discussions during a discovery process in which goals and objectives based on a Client’s particular circumstances are established. These services are offered on a discretionary basis, meaning that we may elect to purchase or sell securities without your prior consent. You may place reasonable restrictions on the type of securities purchased for your account. Pacific Capital has the following assets under management: Discretionary Amounts: Non-discretionary Amounts: Date Calculated: $525,874,855 $0 April 15, 2024 Clients will retain individual ownership of all securities. We do not sponsor or participate in a wrap fee program.