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Disclosures

Pacifica Wealth Advisors, Inc. (hereafter referred to as Pacifica Wealth Advisors or Pacifica) is a registered investment adviser located in Mission Viejo, CA.  Pacifica Wealth Advisors, Inc. may only transact business in those states or countries in which it is registered, or qualifies for an exemption or exclusion from registration requirements. For non-clients of the firm, Pacifica Wealth Advisors, Inc.’s website is limited to the dissemination of general information pertaining to its investment advisory services.

Please contact Pacifica Wealth Advisors, Inc. at 949-305-0500 to find out if we may conduct advisory business in the state or country where you reside. Accordingly, Pacifica Wealth Advisors, Inc. does not, and will not, effect or attempt to effect transactions in securities, or the rendering of personalized investment advice for compensation, through this website. Any subsequent, direct communication with a prospective client shall be conducted by a Pacifica Wealth Advisors, Inc. representative who is either registered or qualifies for an exemption or exclusion from registration in the state or country where the prospective client resides.

Pacifica’s web site is limited to the dissemination of general information pertaining to its advisory services, together with access to additional investment-related information, publications, and links.  Accordingly, the publication of Pacifica’s  web site on the Internet should not be construed by any consumer and/or prospective client as Pacifica’s solicitation to effect, or attempt to effect transactions in securities, or the rendering of personalized investment advice for compensation, over the Internet.  Any subsequent, direct communication by Pacifica with a prospective client shall be conducted by a representative that is either registered or qualifies for an exemption or exclusion from registration in the state where the prospective client resides. For information pertaining to the registration status of Pacifica, please contact the SEC or the state securities law administrators for those states in which Pacifica maintains a notice filing.  A copy of Pacifica’s current written disclosure statement discussing Pacifica’s business operations, services, and fees is available from Pacifica upon written request. Pacifica does not make any representations or warranties as to the accuracy, timeliness, suitability, completeness, or relevance of any information prepared by any unaffiliated third party, whether linked to Pacifica’s  web site or incorporated herein, and takes no responsibility therefor.  All such information is provided solely for convenience purposes only and all users thereof should be guided accordingly.

Past performance may not be indicative of future results.  Therefore, no current or prospective client should assume that future performance of any specific investment, investment strategy (including the investments and/or investment strategies recommended or undertaken by Pacifica) or product made reference to directly or indirectly by Pacifica in its web site, or indirectly via a link to an unaffiliated third party web site, will be profitable or equal the corresponding indicated performance level(s).  Different types of investments involve varying degrees of risk, and there can be no assurance that any specific investment will either be suitable or profitable for a client or prospective client’s investment portfolio. Historical performance results for investment indices and/or categories generally do not reflect the deduction of transaction and/or custodial charges, the deduction of an investment management fee, nor the impact of taxes, the incurrence of which would have the effect of decreasing historical performance results.

Certain portions of Pacifica’s web site (i.e. newsletters, articles, commentaries, etc.) may contain a discussion of, and/or provide access to, Pacifica’s (and those of other investment and non-investment professionals) positions and/or recommendations as of a specific prior date.  Due to various factors, including changing market conditions, such discussion may no longer be reflective of current position(s) and/or recommendation(s).  Moreover, no client or prospective client should assume that any such discussion serves as the receipt of, or a substitute for, personalized advice from Pacifica, or from any other investment professional. Pacifica are neither attorneys nor accountants, and no portion of the web site content should be interpreted as legal, accounting or tax advice.

To the extent that any client or prospective client utilizes any economic calculator or similar device contained within or linked to Pacifica’s  web site, the client and/or prospective client acknowledges and understands that the information resulting from the use of any such calculator/device, is not, and should not be construed, in any manner whatsoever, as the receipt of, or a substitute for, personalized individual advice from Pacifica, or from any other investment professional.

Each client and prospective client agrees, as a condition precedent to his/her/its access to Pacifica’s web site, to release and hold harmless Pacifica, its officers, directors, owners, employees and agents from any and all adverse consequences resulting from any of his/her/its actions and/or omissions which are independent of his/her/its receipt of personalized individual advice from Pacifica.

A broker-dealer, investment adviser, BD agent or IA rep may only transact business in a particular state after licensure or satisfying qualifications requirements of that state, or only if they are excluded or exempted from the state’s broker-dealer, investment adviser, or BD agent or IA rep requirements, as the case may be. Follow-up or individualized responses to consumers in a particular state by a broker-dealer, investment adviser, BD agent or IA rep that involve either the effecting or attempting to effect transactions in securities or the rendering of personalized investment advice for compensation, as the case may be, shall not be made without first complying with the state’s broker-dealer, investment adviser, BD agent or IA rep requirements, or pursuant to an applicable state exemption or exclusion.

For information concerning the licensure status or disciplinary history of a broker-dealer, investment adviser, BD agent or IA rep, a consumer should contact his or her stated securities law administrator.

At certain places on our website we offer direct access or ‘links’ to other internet websites.  These sites contain information that has been created, published, maintained or otherwise posted by institutions or organizations independent of Pacifica Wealth Advisors, Inc. Pacifica Wealth Advisors, Inc. does not endorse, approve, certify or control these websites and does not assume responsibility for the accuracy, completeness or timeliness of the information located there.  Visitors to these websites should not use or rely on the information contained therein until consulting with an independent finance professional.  Pacifica Wealth Advisors, Inc. does not necessarily endorse or recommend any commercial product or service described at these websites.

Business Continuity Plan Summary

Pacifica Wealth Advisors, Inc. has developed and implemented a Business Continuity Plan (“BCP”) that includes redundant data centers and alternate facilities to protect its business processes and technology environment in the event of a significant business disruption. Pacifica Wealth Advisors, Inc.’s policy is to respond to a significant business disruption (SBD) in an effort to safeguard employees’ lives and firm property, make a financial and operational assessment, quickly recover and resume operations, protect the firm’s books and records, and allow our customers to transact business.

The plan addresses business disruptions that may be caused by a local incident or by a regional or market related disaster that applies to many companies. The Plan covers our critical business processes and related employees essential for Pacifica Wealth Advisors, Inc. to continue to conduct business for an interim or temporary period during a business interruption. Every important aspect of Pacifica Wealth Advisors, Inc.’s securities business, including data back up and recovery; all mission critical systems; financial and operational assessments; alternative communications with customers, employees, and regulators; alternate physical location of employees; critical supplier, contractor, bank and counter-party impact; regulatory reporting; and assuring our customers prompt access to their funds and securities if we are unable to continue our business is addressed in this plan.

Pacifica Wealth Advisors, Inc.’s goal is to recover its Critical Business Processes with minimal interruption, depending on the nature of the disruption. In a disruption to only our firm or a building housing our firm, we will transfer our operations to a local site when needed and expect to recover and resume business within two hours. In a disruption affecting our business district, city, or region, we will transfer our operations to a site outside of the affected area, and presume to recover and resume business within 24 hours. If the significant business disruption is so severe that it prevents us from remaining in business, we will assure our customer’s prompt access to their funds and securities.

If after a significant business disruption you cannot contact us as you usually do at 949-305-0500, please use our emergency contact number 310-770-0994 or go to our website at pacificawealth.com for contact instructions. If you cannot access us through either of those means, and you have a brokerage account carried by our clearing firm, you should contact Charles Schwab via its website schwab.com or by telephone at 800-515-2157 for instructions on how it may provide prompt access to your funds and securities including accepting buy and sell orders and issuing checks and wires from your account. If your account is held at a mutual fund or insurance company, you should contact the company directly for access to your securities.

Please be advised that our business continuity plan is subject to change and modification. Our firm will update this plan whenever we have a material change to our operations, structure, business, or location or to those of our clearing firm. In addition, our firm will review our plan annually to modify it for any changes. If the plan is modified, we will promptly post the revised summary on our Website pacificawealth.com. If you have questions about our business continuity planning or would like a written copy of the summary of our BCP, please contact us.