WESTERN PACIFIC WEALTH MANAGEMENT, LP

Item 1 - Cover Page Adviser Brochure Form ADV Part 2A 263 Market Square, Suite B Lake Forest, IL 60045 (847)987-8015 February 15, 2025 this Brochure, please contact us at This Brochure provides information about the qualifications and business practices of Western Pacific Wealth Management, LP. If you have any questions about the contents of (847)987-8015 or bandersen@westpacwm.com. The information in this Brochure has not been approved or verified by the United States Securities and Exchange Commission or by any state securities authority. Registration as an investment adviser does not imply any level of skill or training. Additional information about Western Pacific Wealth Management, LP (CRD #152714) also is available on the SEC’s website at www.adviserinfo.sec.gov. The SEC’s website also provides information about persons who are both affiliated with Western Pacific Wealth Management, LP and registered as investment advisers with the SEC, if any. i  Item 2 - Material Changes SEC rules require Western Pacific Wealth Management, LP (“Western Pacific” or the “Firm”), and other registered investment advisors, to provide its clients with a copy of its Form ADV 2A within 120 days of the close of its fiscal year, as well as on an ongoing basis when material changes make such disclosures necessary. The Firm’s Form ADV 2A is intended to provide its clients with a clearly written and meaningful disclosure, in plain English, about the Firm’s business practices, conflicts of interest and advisory personnel. This section of the Brochure addresses “material changes” that have taken place since the last update in March 2024. As the annual update, this Form ADV Part 2A notes increases in Western Pacific’s assets under management. Item 3 - Table of Contents Item 1 - Cover Page ............................................................................................................................ 1 Item 2 - Material Changes ............................................................................................................... 2 Item 3 - Table of Contents ............................................................................................................... 2 Item 4 - Advisory Business ............................................................................................................. 3 Item 5 - Fees and Compensation .................................................................................................. 4 Item 6 - Performance-Based Fees and Side-By-Side Management .................................... 4 Item 7 - Types of Clients .................................................................................................................. 4 Item 8 - Methods of Analysis, Investment Strategies and Risk of Loss ............................ 4 Item 9 - Disciplinary Information .................................................................................................. 9 Item 10 - Other Financial Industry Activities and Affiliations ............................................. 9 Item 11 – Code of Ethics, Participation/Interest in Client Transactions & Personal Trading ................................................................................................................................................... 9 Item 12 - Brokerage Practices ...................................................................................................... 10 Item 13 - Review of Accounts ....................................................................................................... 12 Item 14 - Client Referrals and Other Compensation ............................................................ 12 Item 15 - Custody............................................................................................................................. 13 Item 16 - Investment Discretion .................................................................................................. 13 Item 17 - Voting Client Securities ............................................................................................... 13 Item 18 - Financial Information .................................................................................................. 13 ii  Item 4 - Advisory Business Western Pacific Wealth Management LP (“Western Pacific”, the “Firm” or “Advisor”) was formed in 2010. The previous name of the Firm was Ranger International Management, L.P. Western Pacific registered with the United States Securities and Exchange Commission (the “SEC”) in accordance with the Investment Act of 1940. The Firm was founded by William Andersen. As of December 31, 2024, the Firm managed approximately $217 million of client assets. Investment Advisory Services The sole activity of the Firm is to provide investment advisory services to its clients. The scope of these services include: Establishing an Investment Policy Statement that takes into account (a) the clients’ current financial position, (b) short- and long- term goals, (c) risk tolerance, (d) age, (e) income, (f) investment income requirements, and (g) future financial needs. Establishing an asset allocation plan based on the above criteria. The primary categories for asset allocation are generally (i) equities, (ii) fixed income, and (iii) cash or cash equivalents. Selecting an array of investments designed to implement the strategy for the client. The Advisor primarily utilizes outside investment managers selected through its thorough research process. Outside managers are used in varying formats including mutual funds, separately managed accounts, or ETFs. Individual securities may be purchased in specific situations, typically at a client’s request. The Advisor may also purchase short term treasury securities directly for clients to avoid needing to pay a management fee to an outside advisor. In the case of new clients, the Advisor will make every attempt to work with the clients’ existing portfolio to avoid causing unnecessary tax consequences for the clients, subject to implementing the correct strategy. There is no preset minimum account for investment with the Firm, but as a practical matter most clients have balances over $1 million. Investment Management Accounts The Firm manages equity portfolios in a global dividend strategy. This strategy has a track record dating back to 2004. It is currently offered in a separate account format. The Firm offers Artificial Intelligence Investments Segregated Accounts for those clients who wish to have general exposure to the Artificial Intelligence sector. The manager will not conduct extensive research on these companies prior to investment other than confirming that they have significant current or expected exposure to AI and are currently profitable. Western Pacific Wealth Management, LP Page 3  Item 5 - Fees and Compensation The Firm charges clients advisory fees that are a fixed percentage of assets under management (“Management Fees”). Management Fees are generally charged in accordance with the schedule set forth in this Brochure. The Firm reserves the right to negotiate Management Fees with clients that differ from the standard schedule presented herein, based on specific circumstances and on a case-by-case basis. Negotiated fees may differ from the standard fee based on a number of considerations including but not limited to the size of a client’s account or a client’s affiliation with the Firm. Management Fees incurred by clients may vary substantially. Generally, the Firm sends accounts an invoice on a quarterly basis to collect Management Fees. Standard Fee Schedule for the Firm’s Separate Accounts Client accounts are assessed an annual fee of 1% of the outstanding balance of their account. This fee is paid by the client to the firm quarterly in advance. As stated above, Management Fees can be negotiated under certain circumstances. Management Fees Exclusive of Expenses Management Fees are exclusive of expenses associated with investments in each account. Although the Firm is generally responsible for its overhead expenses, clients bear the cost attributable to their investment activities and operations, which may include, without limitation, expenses associated with mutual funds, outside investment managers, trading, brokerage fees, administration, custody and/or operations. Notwithstanding the above, the Firm may, in its sole discretion, choose to absorb any expenses incurred on behalf of a client. Item 6 - Performance-Based Fees and Side-By-Side Management The Firm does not charge performance fees and there is no side-by-side management of accounts. Item 7 - Types of Clients The Firm generally provides direct investment advisory services to high-net-worth individuals, foundations, and donor advised funds. Item 8 - Methods of Analysis, Investment Strategies and Risk of Loss The Advisor strives to structure an investment program to meet the clients’ short-term and long-term goals. That said, it is always made clear to the client that risk of loss is Western Pacific Wealth Management, LP Page 4  inherent in the investment process, and there is no guarantee that the objectives of the program will be met. Should a client not be comfortable with these aspects of the process, or should a prospective client have unrealistic investment goals, then the Advisor would not accept them as a client. The guiding philosophy of Western Pacific begins with listening to clients and designing an investment program that will maximize the likelihood of achieving their financial goals. Understanding clients’ tolerance for risk, temperament and investment horizon are essential. There are many elements which go into designing a sound investment program, but these four are essential: • Long-term focus. The returns available to investors in financial markets are substantial, but they generally accrue primarily to patient, long term investors. It is therefore paramount that investors maintain a long-term focus. • Equity focus. A focus on equity investments is likely to generate the best long-term returns. This may be particularly true when the returns available on quality fixed income instruments are at historically low levels. The goal of an investor is to generate a return comfortably above the rate of inflation. For most people, the best way to do this will be through ownership of outstanding businesses through investment in the stock market. • Expect volatility. Volatility is inherent in the investment process. Since 1982, there have been six severe market corrections. Yet through this period the Dow Jones Industrial average appreciated 30 times, from around 1,000 to over 30,000. (The gains were even greater if dividends are included). Investors should expect volatility to continue. Our investment process has three pillars designed to guide through a meaningful analysis of a client’s financial assets and to develop an investment strategy. • Investment Policy. The first step is to develop an investment policy statement. The Firm and clients write a statement that lays out the broad principles of how to invest the funds the Firm will manage. • Asset Allocation. Next the Firm will share specific ways to allocate capital, drawing on the information developed in writing the Investment Policy Statement to develop a target asset allocation plan. • Investment Selection. In step three, the Firm selects specific investments for client’s portfolio. Each portfolio is tailored to specific needs. Manager Selection. Manager selection is essential to the investment process of the Advisor. In selecting managers, the Advisor analyzes the track record, organizational strength, manager tenure, size of fund or strategy, and other factors. The Advisor also monitors quarterly calls and/or market commentary of the managers, and changes in personnel or organizational structure that could impact performance. That said, it is always possible the Advisor will make a mistake in the manager selection or that the manager will not achieve the investment objective. Investments in Artificial Intelligence The Firm may invest in holdings of primarily large cap technology companies expected Western Pacific Wealth Management, LP Page 5  to become leaders in Artificial Intelligence. Significant risk is inherent in any early- stage technology. There is significant risk that technology may not develop as planned or take longer to develop or be more expensive to develop than anticipated. Risk Factors Asset Allocation Risk. As noted, asset allocation is an integral part of the investment process. The Advisor makes every effort to design an asset allocation strategy that is appropriate for the client, always taking into account the client’s unique circumstances as well as the possibility of a prolonged downturn in economic or financial conditions that could negatively impact performance. Still, it is possible the agreed asset allocation strategy will not result in the desired investment results. Security Selection and Market Risk Security selection risk is defined as the risk that the Firm may not select and size positions appropriately within the portfolio. An associated market risk arises from the influence of the movements of the overall market or the value of the individual securities in the portfolio. The profitability of a significant portion of the client’s investment program depends to a great extent upon correctly assessing the future course of the price movements and/or general value of securities and other investments. There can be no assurance the Firm will be able to accurately predict these price movements or future valuation, nor can assurance be given that the Firm’s portfolios will generate income or appreciate in value. Equity Securities The Firm generally invests in long positions in equity securities. Equity securities fluctuate in value, often based on factors unrelated to the value of the issuer of the securities. The market price of equity securities may be affected by general economic and market conditions, such as a broad decline in stock market prices or in the prices of issuers in a particular market, geographic or industry sector, or by conditions affecting specific issuers, such as changes in earnings forecasts. Concentration Risk Generally, the Firm invests in significantly fewer holdings than that represented by the index benchmarks the Firm uses for comparison purposes. Accordingly, the Firm’s investments may be subject to more rapid changes in value than would be the case if these portfolios maintained wide diversification among companies, securities, and types of securities. Overall Investment Risk All securities investments risk the loss of capital. The nature of the securities purchased and traded by the Firm and the investment techniques and strategies employed to increase returns may increase this risk. While the Firm will devote its best efforts to the Western Pacific Wealth Management, LP Page 6  management of client portfolios, many unforeseeable events, including but not limited to actions by various government agencies, the Federal Reserve Board, and/or domestic and international political events, may cause sharp market fluctuations which may negatively impact the investment strategies managed by the Firm. The prior investment performance of a separate account or composite may not be indicative of the future results. Portfolio Turnover Separate accounts that the Firm advises will not be restricted in effecting transactions by any specific limitations regarding the portfolio turnover rate. Market conditions or other events may result in substantial portfolio turnover, which may result in an increase in expense for the investors and/or enhanced volatility. Investments in International Markets, including Emerging Markets The Firm may invest in investments which are non-U.S. based and therefore be subject to certain additional risks not usually associated with similar investments in the U.S. and other industrialized democracies including: fluctuation in currency exchange rates, the imposition of exchange control regulations, the possibility of expropriation decrees, more limited information about issuers and their operations, different accounting standards, sub-standard regulatory environment and smaller, less liquid markets. Furthermore, political and economic risk may be substantial, especially in Emerging Markets. Emerging Markets in particular have a history of imposing unfriendly controls on foreign investors during times of economic stress. Investment in international markets, and especially emerging market countries, therefore, carry a higher degree of risk than investment in securities based in the U.S. Dependence Upon Personnel. The success of an investment portfolio is significantly dependent upon the expertise of certain investment or support personnel and any future unavailability of their services could have an adverse impact on a Firm portfolio’s performance. Our success is significantly dependent upon the ability of the Firm to hire or utilize talented investment and support personnel. No assurances can be given that the Firm will be able to attract or retain necessary personnel. Cybersecurity Risks Due to rapid advancement in technology, cybersecurity has become a significant factor in the investment industry. The Firm, its service providers, and other market participants on whom the Firm relies increasingly depend on complex information technology and communications systems to conduct business functions. These systems are subject to a number of threats or risks that could adversely affect clients, despite the efforts of the firm, its service providers, and other market participants on whom the Firm relies to adopt technologies, processes and practices intended to mitigate these risks and protect the security of their computer systems, software, networks and other technology assets, as well as the confidentiality, integrity and availability of information belonging to the Firm and/or its clients investors. A Western Pacific Wealth Management, LP Page 7  successful penetration or circumvention of the security of the Firm’s systems or the systems of the Firm’s service providers, or other market participants on whom the Firm relies could result in the loss or theft of an investor’s data or funds, the inability to access electronic systems, loss or theft of proprietary information or corporate data, physical damage to a computer or network system or costs associated with system repairs. Such incidents could cause the clients, the Firm, its service providers, and other market participants on whom the Firm relies to incur regulatory penalties, reputational damage, additional compliance costs or financial loss. Similar types of operational and technology risks are also present for many portfolio companies, which could have material adverse consequences for such investments, and may cause the clients’ investments to lose value. Legal, Regulatory and Political Uncertainties The Firm is subject to a variety of governmental regulations that may result in additional compliance costs and other burdens and otherwise impact the performance of a client portfolio. It is difficult to predict what changes in regulations may be instituted in the future, in addition to those changes already proposed or adopted in the United States or other jurisdictions. The legal, tax and regulatory environment for investment advisers, the instruments they utilize and the markets in which they trade are continuously evolving. In addition, there may be other unanticipated changes, including political developments. Such uncertainty may be detrimental to the efficient functioning of the financial markets and the success of certain products and strategies. Any changes to current regulations or any new regulations could have a material adverse effect on a client portfolio (including by reducing the attractiveness of an applicable investment strategy, imposing material costs on a client portfolio, reducing investment opportunities, or requiring a significant restructuring of the manner in which a client portfolio, the Firm or its affiliates are organized or operated). POTENTIAL CONFLICTS OF INTEREST The non-exhaustive information contained below describes certain potential material conflicts of interest relating to the Firm’s advisory services. No list of potential conflicts of interest can be expected to be full and complete. Each prospective investor should review the relevant documents carefully, and consult their individual financial, legal or tax advisor prior opening an account. Trade Allocation The Firm manages and expects to continue to manage other client accounts. Generally, the Firm has discretionary authority over the investment portfolios for which it manages on behalf of clients. As a general matter, the Firm believes that aggregation of orders for the same security for multiple clients is consistent with its duty to seek best execution. If the Firm believes aggregation is not consistent with its duty to seek best execution for its clients, it will not affect the transaction on an aggregated basis. Typically, the Firm allocates orders for the same securities for multiple client accounts Western Pacific Wealth Management, LP Page 8  on a pro rata basis in accordance with each account’s investment guidelines as determined exclusively by the Firm’s portfolio manager. The Firm allocates orders for initial public offerings on a pro rata basis to the accounts of non-restricted investors or in accordance with de minimis exceptions. Differences in allocation proportions may occur due to tax considerations, avoidance of odd lots or de minimis numbers of shares, and investment strategies of the accounts. To verify compliance with these policies and procedures, the Firm conducts periodic reviews of order allocation process. Item 9 - Disciplinary Information Registered investment advisers and management personnel are required to disclose all material facts regarding any legal or disciplinary events material to your evaluation of the Firm or the integrity of its management team. The Firm and management personnel have no legal or disciplinary events to disclose. Item 10 - Other Financial Industry Activities and Affiliations The Firm does not have any other financial industry activities or affiliations. Item 11 – Code of Ethics, Participation/Interest in Client Transactions & Personal Trading As a fiduciary, the Firm has an affirmative duty to act in the best interests of its clients and make full and fair disclosure of material facts, particularly where the Firm’s interests may conflict with those of its clients. The Firm’s Code of Ethics (the “Code”) serves as behavioral benchmark from which the Firm establishes its compliance program. The Code requires each Firm employee to act with integrity, competence, diligence, respect, and in an ethical manner when dealing with current and prospective clients, the Firm, other employees and colleagues in the investment profession, and other participants in the global capital markets. The Firm expects employees to place the interests of clients and the Firm above their own personal interest and to avoid any actual or potential conflicts of interest. Among other things, the Firm’s Code of Ethics requires all employees comply with applicable provisions of the federal securities laws and promptly report any violations or potential violations of the Firm’s compliance policies and procedures to the Chief Compliance Officer. Personal Trading Policy The Code is designed to mitigate the possibility that personal securities transactions, activities, and interests of employees will conflict with the best interest of the Firm’s clients. Under the Code, certain classes of securities have been designated as exempt transactions, based upon a determination that these would not materially interfere with the best interest of clients. Nonetheless, because the Code permits employees to sell the same securities as may Western Pacific Wealth Management, LP Page 9  be held in client portfolios that the Firm advises, there is a possibility that employees might benefit from market activity by a client in a security held by an employee. In addition to preclearance procedures, employee trading is continually monitored to reasonably prevent conflicts of interest between the Firm and its clients. In addition to personal trading activities, other policies and procedures found in the Code provide guidelines the Firm and/or employees follow with respect to: Insider Trading • • Outside Business Activities • Political Contributions • Gifts and Entertainment A copy of the Firm’s Code is available to current and prospective clients upon written request to bandersen@westpacwm.com. Item 12 - Brokerage Practices Generally, the Firm has complete investment and brokerage discretion over client accounts. Best Execution and Benefits of Brokerage Selection: When given discretion to select the brokerage firm that will execute orders in client accounts, Western Pacific seeks “best execution” for client trades, which is a combination of factors, including, without limitation, quality of execution, services provided and commission rates. Western Pacific may use or recommend the use of brokers who do not charge the lowest available commission in the recognition of research and securities transaction services, or quality of execution. Research services received with transactions may include proprietary or third-party research (or any combination) and may be used in servicing any or all Western Pacific’s clients. Therefore, research services received may not be used for the account for which the particular transaction was affected. Research and Soft Dollar Benefits: Western Pacific participates in an institutional adviser program (the “Program”) offered by Schwab Advisor Services, a division of Charles Schwab & Co, Inc., member SIPC (“Schwab”). Schwab offers its Program to independent investment advisers. The Program includes services such as custody of securities, trade execution, clearance and settlement of transactions. Western Pacific receives some benefits from Schwab through its participation in the Program. Western Pacific is independently owned and operated and is not affiliated with Schwab. The Firm may recommend Schwab to clients for custody and brokerage services. While there is no direct link between Western Pacific’s participation in the Program and investment advice it gives to its clients, through its participation in the Program Western Pacific receives economic benefits typically not available to Schwab retail investors. These benefits generally include, without limitation, the following products and services (provided without cost or at a discount): receipt of duplicate client statements and confirmations; consulting services; access to a trading desk serving Program participants; access to block trading (which provides the ability to aggregate securities transactions for execution and then allocate the appropriate shares to client accounts); the ability to have advisory fees deducted directly from client accounts; Western Pacific Wealth Management, LP Page 10  access to an electronic communications network for client order entry and account information; access to mutual funds with no transaction fees and to certain institutional money managers; and discounts on compliance, marketing, research, technology and practice management products or services provided 3rd party vendors. Schwab may pay for business consulting and services received by Western Pacific’s related persons. These services are considered soft dollar arrangements. Some products and services made available by Schwab may benefit Western Pacific but may not directly benefit its client accounts. These products or services may assist Western Pacific in managing and administering client accounts, including accounts not maintained at Schwab. Other services made available by Schwab are intended to help the firm manage and develop its business enterprise. The benefits received by Western Pacific or its personnel through participation in the Program do not depend on the amount of brokerage transactions directed to Schwab. As part of its fiduciary duties to clients, Western Pacific endeavors to put the interests of its clients first. Clients should be aware that the receipt of economic benefits by Western Pacific or its related persons in and of itself creates a potential conflict of interest and may indirectly influence Western Pacific’s choice of Schwab for custody and brokerage services. Directed Brokerage: Clients may direct Western Pacific to use a particular broker for custodial or transaction services on behalf of the client’s portfolio. In directed brokerage arrangements, the client is responsible for negotiating the commission rates and other fees to be paid to the broker. Accordingly, a client who directs brokerage should consider whether such designation may result in certain costs or disadvantages to the client, either because the client may pay higher commissions or obtain less favorable execution, or the designation limits the investment options available to the client. The arrangement Western Pacific has with Schwab is designed to maximize efficiency and be cost effective. By directing brokerage arrangements, the client acknowledges these economies of scale and levels of efficiency are generally compromised when alternative brokers are used. While every effort is made to treat clients fairly over time, the fact that a client chooses to use the brokerage and/or custodial services of these alternative service providers may result in a certain degree of delay in executing trades for their account(s) and otherwise adversely affect management of their account(s). By directing Western Pacific to use a specific broker or dealer, clients who are subject to ERISA confirm and agree with Western Pacific that they have the authority to make the direction, that there are no provisions in any client or plan document which are inconsistent with the direction, that the brokerage and other goods and services provided by the broker or dealer through the brokerage transactions are provided solely to and for the benefit of the client’s plan, plan participants and their beneficiaries, that the amount paid for the brokerage and other services have been determined by the client and the plan to be reasonable, that any expenses paid by the broker on behalf of the plan are expenses the plan would otherwise be obligated to pay, and that the specific broker or dealer is not a party in interest of the client or the plan as defined under applicable ERISA regulations. Order Aggregation: Western Pacific may enter trades as a block where possible and when advantageous to Western Pacific Wealth Management, LP Page 11  clients whose accounts have a need to buy or sell shares of the same security. Blocking of trades permits the trading of aggregate blocks of securities composed of assets from multiple client accounts, so long as transaction costs are shared equally and on a pro-rata basis between all accounts included in such block. Block trading allows the Firm to execute equity trades in a timelier, equitable manner, and may reduce overall costs to clients. Western Pacific will only aggregate transactions when it believes aggregation is consistent with its duty to seek best execution for its clients and is consistent with the terms of Western Pacific’s Investment Advisory Agreement with each client for which trades are being aggregated. No advisory client will be favored over any other client; each client that participates in an aggregated order will participate at the average share price for all Western Pacific’s transactions in a given security on a given business day, with transaction costs generally shared pro-rata based on each client’s participation in the transaction. On occasion, owing to the size of a particular account’s pro rata share of an order or other factors, the commission or transaction fee charged could be above or below a breakpoint in a pre-determined commission or fee schedule set by the executing broker, and therefore transaction charges may vary slightly among accounts. Accounts may be excluded from a block due to tax considerations, client direction or other factors making the account’s participation ineligible or impractical. Western Pacific will prepare, before entering an aggregated order, a pre-allocation worksheet specifying the participating client accounts and how it intends to allocate the order among those clients. If the aggregated order is filled in its entirety, it will be allocated among clients in accordance with the worksheet. If the order is partially filled, it will generally be allocated on a random basis among the participating accounts. Notwithstanding the foregoing, the order may be allocated on a basis different from that specified in the worksheet if all client accounts receive fair and equitable treatment, and the reason for different allocation is explained in writing and is approved by an appropriate individual/officer of the Firm. Western Pacific’s books and records will separately reflect, for each client account included in a block trade, the securities held by and bought and sold for that account. Western Pacific will receive no additional compensation or remuneration of any kind because of the proposed aggregation. Item 13 - Review of Accounts Each account will be reviewed and valued daily or more frequently if triggered by market or economic conditions. The portfolio manager will review each account in a manner consistent with the investment goals of each account. The portfolio manager will review the accounts’ valuation, including net asset value calculations, securities positions and pricing information, and cash balance reports generated by the Firm’s accounting system, custodian, and brokerage firms on a monthly basis. The Firm typically remits quarterly and annual written reports to clients, which set forth various financial data and information. The Firm reviews the accounts’ valuation, including net asset value calculations, securities positions and pricing information, and cash balance reports generated by the Firm’s custodian and/or brokerage firms. Item 14 - Client Referrals and Other Compensation Western Pacific Wealth Management, LP Page 12  The Firm does not engage in any arrangements with an affiliated or unaffiliated marketing group or individual. Item 15 - Custody The Firm does not take possession of investor funds or securities for Separate Accounts. The Firm strongly encourages clients to closely monitor account statements and other important investment related materials they may receive from the Firm. Any potential discrepancies should be promptly brought to the Firm’s attention by contacting (847)987- 8015. Item 16 - Investment Discretion With respect to a majority of client accounts, the Firm has complete discretion over the selection and amount of securities to be bought or sold without obtaining consent or approval from investors (within the parameters established by the investment management agreements applicable to each Separate Account). Discretionary authority occurs upon full disclosure to the client and authorization by such client pursuant to an investment management agreement for a Separate Account. Trades made by the Firm on behalf of client accounts for which it has discretion will be in accordance with that portfolio’s investment objectives and goals. Item 17 - Voting Client Securities The Firm does not vote proxies on behalf of clients. clients receive their proxies or other solicitations directly from their custodian. Clients are free to contact Western Pacific with any questions about a particular solicitation. Item 18 - Financial Information The Firm has no known financial commitment that impairs its ability to meet contractual and fiduciary commitments to its clients and has not been the subject of a bankruptcy proceeding. Western Pacific Wealth Management, LP Page 13  Item 1- Cover Page William R. Andersen Western Pacific Wealth Management, LP 263 Market Square, Suite B Lake Forest, IL 60045 (847)987-8015 February 15, 2025 This Brochure Supplement provides information about William R. Andersen that supplements the Western Pacific Wealth Management, LP Brochure. You should have received a copy of that Brochure. Please contact Mr. Andersen at (847)987-8015 if you did not receive Western Pacific Wealth Management, LP’s Brochure or if you have any questions about the contents of this supplement. Western Pacific Wealth Management, LP Page 14  Item 2- Educational Background and Business Experience Mr. Andersen, born in 1959, graduated from Stanford University with a B.A. in Economics and University of Chicago’s Booth School with a Master of Business Administration. He joined Western Pacific Wealth Management, LP (formerly Ranger International, LP) in 2010 as Founder and Chief Investment Officer. Prior to joining Western Pacific Wealth Management, LP, Mr. Andersen was Chief Investment Officer at Andersen Capital Management. From 1985-2003 he was with Driehaus Capital Management where he managed the international division which grew to $2 billion AUM, mostly from institutional investors. Item 3- Disciplinary Information Registered investment advisers are required to disclose all material facts regarding any legal or disciplinary events that would be material to your evaluation of each supervised person providing investment advice. No information is applicable to this Item. Item 4- Other Business Activities Mr. Andersen does not have any business activities outside of Western Pacific Wealth Management, LP. Item 5- Additional Compensation Mr. Andersen does not receive an economic benefit from anyone who is not a client of the firm. Item 6 - Supervision William R. Andersen, President of Western Pacific Wealth Management, LP, is guided by compliance policies and procedures and a Code of Ethics. He works closely with the Firm’s outside compliance consultant and outside counsel to ensure compliance with the Code of Ethics. Item 7- Requirements for State-Registered Advisers Mr. Andersen has not been involved in any regulatory disciplinary action or bankruptcy proceedings. Western Pacific Wealth Management, LP Page 15  Item 1- Cover Page Roger Johnson Western Pacific Wealth Management, LP 263 Market Square, Suite B Lake Forest, IL 60045 (847)987-8015 February 15, 2025 This Brochure Supplement provides information about Roger Johnson that supplements the Western Pacific Wealth Management, LP Brochure. You should have received a copy of that Brochure. Please contact Bill Andersen at (847)987-8015 if you did not receive Western Pacific Wealth Management, LP’s Brochure or if you have any questions about the contents of this supplement. Western Pacific Wealth Management, LP Page 16  Item 2- Educational Background and Business Experience Mr. Johnson, born in 1943, graduated from Gonzaga University with a B.A. in Psychology and minored in Philosophy and Business Administration. Mr. Johnson began his investment career in 1970 as a stockbroker focused on serving institutional accounts, retirement plans, and high net worth individuals. He co-founded Western Pacific Investment Advisers, LLC, a different firm than the Registrant, in 1990, and served as a Registered Investment Advisor and its President from January,1993-September 30, 2007, when the firm was sold. Mr. Johnson founded Summa Global Advisors, LLC in October of 2008 and served as its President, advising retirement plans, high net worth individuals, and families. He left Summa Global Advisors, LLC December 31, 2020. Item 3- Disciplinary Information Registered investment advisers are required to disclose all material facts regarding any legal or disciplinary events that would be material to your evaluation of each supervised person providing investment advice. No information is applicable to this Item. Item 4- Other Business Activities In addition to his role at Western Pacific, Mr. Johnson founded Apex Global Advisors, LLC in 2014 and acts as a consultant regarding Emerging Markets investing. He serves as a Board Member of Mouse Lake Farms, a private company. Item 5- Additional Compensation Mr. Johnson receives a consulting fee for his work as a consultant (described in Item 4). Item 6 - Supervision William Andersen, President of Western Pacific Wealth Management, LP, is responsible for monitoring Mr. Johnson’s performance and the advice provided to clients. In this regard, Mr. Andersen and Mr. Johnson discuss the portfolio and its performance on a regular basis. Mr. Andersen monitors all written communications and oversees many of the client and prospective client presentations. The firm retains an outside compliance consultant and outside counsel to ensure compliance with the Code of Ethics. Item 7- Requirements for State-Registered Advisers Mr. Johnson has not been involved in any regulatory disciplinary action or bankruptcy proceedings. Western Pacific Wealth Management, LP Page 17  Summary of your Advisory Relationship with Western Pacific Wealth Management, LP An SEC-Registered Investment Adviser February 15, 2025 Western Pacific Wealth Management, LP is an investment advisory firm. Brokerage and investment advisory services and fees differ. It is important for you to understand these differences. Free and simple tools are available to research firms and financial professionals at Investor.gov/CRS, which also provides education materials about broker-dealers, investment advisers, and investing. What Investment Services and Advice Can You Provide Me? Western Pacific Wealth Management LP (“Western Pacific”) provides investment advisory services to individuals, trusts, endowments, charitable organizations, and business entities other than those listed above. We primarily invest in equity securities including exchange-listed securities, securities trade over- the-counter and foreign issuers, corporate debt securities, exchange-traded funds. We have the flexibility to invest in other security types when we feel it would assist in meeting your investment objectives. Western Pacific monitors accounts daily and has full authority to buy and sell securities in your account, subject to guidelines set forth by you. There are some situations where you may request that certain securities be retained in the portfolios, or where you may place restrictions on using certain types of investments for philosophical or religious reasons. We adhere closely to those restrictions. Western Pacific has a minimum requirement of $1 million for accepting a new client; this requirement could be spread over more than one account. We may waive the account minimum size at its discretion. Conversation Starters: Given my financial situation, should I choose an investment advisory service? Why/why not? How will you choose investments to recommend to me? What is your relevant experience, including your licenses, education, and professional background? What do these qualifications mean? What Fees Will I Pay? The annual fee for investment management services is 1%, calculated on an average daily value and billed monthly or quarterly in advance. Fees are negotiable. Fees paid to Western Pacific are exclusive of all custodial and transaction costs paid to your custodian, brokers or other third-party consultants. Fees paid to Western Pacific are separate and distinct from fees and expenses charged by mutual funds and ETFs (exchange-traded funds) to their shareholders (generally including a management fee and fund expenses, as described in each fund’s prospectus or offering materials). You should review all fees charged by funds, brokers, Western Pacific and others to fully understand the total amount of fees paid by the client for investment and financial-related services. Western Pacific Wealth Management, LP Page 18  You will pay fees and costs whether you make or lose money on your investments. Fees and expenses reduce returns on your money over time. Make sure you understand the fees and costs you pay. Conversation Starters: Help me understand how the fees and expenses impact investment returns. If I give you $10,000 to invest, how much goes to fees/costs each year and how much is invested for me? What Are Your Legal Obligations to Me When Acting as My Investment Adviser? How Else Does Your Firm Make Money? What Conflicts of Interest Do You Have? When we act as your Adviser, we act in your best interest and do not put our interests ahead of yours. Still, the way we make money creates some conflicts with your interests. You should understand and ask about these conflicts before investing as they may affect the investment advice we provide. An example of a potential conflict: Since we charge fees based on the size of your account, we may be incented to take abnormal investment risks at the end of a time period to inflate the size account and your fee to us. We mitigate that risk by investing alongside all of our clients. Conversation Starters: How do your conflicts of interest impact me? How do you address these conflicts? How Do Your Financial Professionals Make Money? Our financial professionals are Partners of the firm and are compensated based on the profitability of the firm. Our professionals are not paid a transaction fee or commission. Conversation Starters: Are you paid if my account makes money or not? Do You or Your Financial Professionals Have Any Legal or Disciplinary History? Western Pacific is required to disclose all material facts regarding legal or disciplinary events material to the evaluation of us and our management. Western Pacific has no information applicable to this item. Visit Investor.gov/CRS for a free tool to research our firm and financial professionals. Conversation Starters: As a financial professional, do you have any disciplinary history? If so, for what conduct? Additional Information For additional information, request a copy of our ADV by calling (847)987-8015. Conversation Starters: Who is my primary contact? Is he a representative of an investment adviser or a broker-dealer? Who can I talk to if I have concerns about how this person is treating me? Western Pacific Wealth Management, LP Page 19  PRIVACY POLICY NOTICE Our Promise to You As a client of Western Pacific Wealth Management, you share both personal and financial information with us. Your privacy is important to us, and we are dedicated to safeguarding your personal and financial information. Information Provided by Clients In the normal course of doing business, we typically obtain the following non-public personal information about our clients: • Personal information regarding our client’s identity such as name, address and social security number; Information regarding securities transactions effected by us; and • • client financial information such as net-worth, assets, income, bank account information and account balances. How We Manage and Protect Your Personal Information We do not sell information about current or former clients to third parties, nor is it our practice to disclose such information to third parties unless requested or authorized to do so by a client or client representative or, if necessary, in order to process a transaction, service an account or as permitted by law. Additionally, we may share information with outside companies that perform administrative services for us. However, our arrangements with these service providers require them to treat your information as confidential. In order to protect your personal information, we maintain physical, electronic and procedural safeguards to protect your personal information. Our Privacy Policy restricts the use of client information and requires that it be held in strict confidence. Client Notifications We are required by law to annually provide a notice describing our privacy policy. In addition, we will inform you promptly if there are changes to our policy. Contact Us Please contact us with questions about this notice at Western Pacific Wealth Management, 263 Market Square Suite B, Lake Forest, IL 60045 or by calling (847)987-8015. Western Pacific Wealth Management, LP Page 20