LIFEINVEST WEALTH MANAGEMENT, LTD

LifeInvest Wealth Management, Ltd. CRD# 146966 Main Office 1110 Brickell Avenue Suite 210-A Miami, FL 33131 (786) 523-0500 April 11, 2025 This brochure provides information about the qualifications and business practices of LifeInvest Wealth Management Ltd. If you have any questions about the contents of this brochure, please contact us at (786) 523-0500 or write to info@lifeinvestwealth.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 of an investment adviser does not imply any level of skill or training. Additional information about LifeInvest Wealth Management Ltd, is also available on the SEC’s website at https://adviserinfo.sec.gov/. LifeInvest Wealth Management, Ltd. 1  ITEM 2 TABLE OF CONTENTS PAGE(s) ITEM DESCRIPTION Item 1 Cover Page 1 Item 2 Table of Contents 2 Item 3 Material Changes 3 Item 4 Advisory Business 3, 4, 5 Item 5 Fees and Compensation 5, 6 Item 6 Performance-Based Fees and Side-By-Side Management 6, 7 Item 7 Types of Clients 7 Item 8 Methods of Analysis, Investment Strategies and Risk of Loss 7, 8, 9 Item 9 Disciplinary Information 9 Item 10 Other Financial Industry Activities and Affiliations 10 Item 11 10, 11, 12 Code of Ethics, Participation or Interest in Client Transactions and Personal Trading Item 12 Brokerage Practices 12, 13 Item 13 Review of Accounts 14 Item 14 Client Referrals and Other Compensation 14 Item 15 Custody 14 Item 16 Investment Discretion 15 Item 17 Voting Client Securities 15 Item 18 Financial Information 15 LifeInvest Wealth Management, Ltd. 2  ITEM 3 MATERIAL CHANGES Item 1, Cover Page has been updated with the effective date of this Annual amendment and removing San Diego and New York Office. To enhance efficiency and adapt to a changing landscape, we are closing our San Diego and New York offices. We remain committed to delivering exceptional value from our Miami location. Item 2, Table of Contents has been updated with effective pages of this annual amendment. Item 4, Advisory Business, Owners and Officers has been updated to reflect the removal of a secretary position. Item 5, Fee and Compensation has been updated to reflect a new Wrap Fee Program. Item 13, Review Account, has been updated to reflect change in the personnel responsible for conducting continuous account review. You will receive a summary of any material changes to subsequent Brochures within 120 days of the close of our business’s fiscal year, which is December 31 of each year. We will further provide you with a new Brochure as necessary based on changes or new information, at any time, without charge. Currently, our Brochure may be requested by / or by email at telephone number (786) 523-0500 and contacting us at info@lifeinvestwealth.com Additional information about LifeInvest Wealth Management Ltd is also available via the SEC’s web site www.adviserinfo.sec.gov. The SEC’s web site also provides information about any persons affiliated with LifeInvest Wealth Management Ltd, who are registered, or are required to be registered, as Investment Adviser Representatives (“IARs”) of LifeInvest Wealth Management Ltd. ITEM 4 ADVISORY BUSINESS LifeInvest Wealth Management’s principal service is providing fee-based investment advisory services. LifeInvest Wealth Management’s primary approach is to use a fundamental allocation strategy aimed at reducing risk and increasing performance LifeInvest Wealth Management uses exchange listed securities; securities traded over- the-counter, equity securities of foreign issuers, warrants, corporate debt securities, commercial paper, CDs, United States government securities, and options in securities and commodities to accomplish this objective. Depending on each client’s personal circumstances and investment profile, LifeInvest Wealth Management recommends, on occasion, redistributing investment allocations to diversify a client's portfolio in an effort to reduce risk and increase performance. LifeInvest Wealth Management recommends specific stocks to increase sector weighting and/or dividend potential. LifeInvest Wealth Management recommends LifeInvest Wealth Management, Ltd. 3  employing cash positions as a possible hedge against market movement which could adversely affect its clients. LifeInvest Wealth Management recommends selling positions for reasons that include, but are not limited to, harvesting capital gains or losses, business or sector risk exposure to a specific security or class of securities, overvaluation or overweighting of position(s), change in risk tolerance of client, or any risk deemed unacceptable for the client’s risk tolerance. LifeInvest Wealth Management will provide investment advisory services; however, it will not provide securities execution, custodial and other administrative services. At no time will LifeInvest Wealth Management accept or maintain custody of a client’s funds or securities. As a service to its clients, LifeInvest Wealth Management offers access to Interactive Brokers’ cryptocurrency trading and custody platform, through Paxos Trust Company. LifeInvest does not provide any investment advice on digital assets and does not charge any fees for this service. At the request of some clients, LifeInvest Wealth Management may include digital asset ETFs as part of their diversified portfolios, depending on individual risk tolerance and investment objectives. LifeInvest charges fees on all assets under management. Please refer to LifeInvests’ Digital Assets Risk Disclosure, Item 8 - Methods of Analysis, Investment Strategies and Risk of Loss. Additional Services. Adviser provides investment advisory services to clients by managing investment portfolios following the objectives, guidelines, and risk profiles of the individual clients. Clients provide such information to the Adviser at or before the time they enter into an advisory agreement with the Adviser. The Adviser may provide additional services to the clients. receive referral compensation from the institution LifeInvest may also refer clients to other financial services companies, including but not limited to commercial banks, and insurance companies, or any other professionals (e.g., trust companies, lawyers, estate planning professionals, accountants, etc.) and certain cases may or professionals. LifeInvest does not assume any responsibilities for the products and services offered by said institutions or professionals. LifeInvest strongly recommends clients perform their due diligence on these institutions before opening a new account/relationship. In addition to investment advisory services, LifeInvest offers consulting services in merger and acquisition, private equity investment identification, estate planning, and strategic financing. These services may involve third-party providers. Clients should be aware that these services are separate from investment advisory services, and LifeInvest may receive referral compensation for these services from the third-party service providers. LifeInvest will disclose any potential conflicts of interest. In some cases, Estate Planning consulting services are subject to a separate fee paid by the client. LifeInvest Wealth Management manages approximately $447 million in client assets as of December 31st, 2024. OWNERS & OFFICERS LifeInvest Wealth Management, Ltd. 4  LifeInvest Wealth Management, Ltd (“LifeInvest Wealth Management”) was incorporated on November 14, 2007. LifeInvest Wealth Management is wholly owned 33.33% by Gabriel Osio Zamora, 33.33% by Ernesto Rangel Aguilera and 33.33% by Juan Carlos Carvallo. Gabriel Osio is Chairman of the Board, Juan Carlos Carvallo is the President, CEO and COO, Ernesto Rangel is Vice President and CFO, and Christian Ramirez is CCO. ITEM 5 FEES AND COMPENSATION ASSET MANAGEMENT FEES As compensation for providing investment advisory services to clients which are referred to LifeInvest Wealth Management by third party brokerages or related persons LifeInvest Wealth Management will be paid by such third party's brokerages or related persons a fixed monthly fee as agreed to in writing between LifeInvest Wealth Management and such third-party brokerage or related person. The Client is responsible for all custodial and securities execution fees charged by the custodian and executing broker-dealer. LifeInvest Wealth Management’s fee is separate and distinct from the custodian and execution fees. LifeInvest Wealth Management’s clients have the right to use a different broker which is not affiliated with LifeInvest Wealth Management. Clients can request to terminate their advisory contract with LifeInvest Wealth Management, in whole or in part, by giving thirty (30) days advance written notice. Upon termination, any fees paid in advance will be prorated to the date of termination and any excess will be refunded to client. Client’s advisory agreement with LifeInvest Wealth Management is nontransferable without client’s written approval. As compensation for providing investment advisory services to clients originated by LifeInvest Wealth Management, clients will pay LifeInvest Wealth Management a management fee to be paid in advance or in arrears on a quarterly or monthly basis pursuant to a financial advisory contract according to the following Fee Schedule: AUM $20,000 TO $250,000 $250,001 TO $1,000,0000 $1,000,001 to $5,000,000 $5,000,001 to $10,000,000 >$10,000,001 FEES 2.00% 1.75% 1.50% 1.00% 0.75% Client relationship could be established and exist where the fees are higher or lower than the Fee Schedule provide above. The Fee Schedule above is negotiable on a case- by-case basis. The minimum Annual Fee for all clients is $1,500.00. Fees are billed at the beginning of each quarter. These fees could be negotiated by the advisor under unusual circumstances, at the sole discretion of the advisor. LifeInvest Wealth Management, Ltd. All fees paid to the Firm for investment advisory services are separate and distinct from the expenses charged by mutual funds to their shareholders and the product sponsor in 5  the case of variable insurance products. These fees and expenses are described in each fund's or variable product's prospectus. These fees will generally include a management fee, other fund expenses, and a possible distribution fee. If the sponsor also imposes sales charges, a client could pay an initial or deferred sale or surrender charge. A client could invest in these products directly, without the services of the Firm. In that case, the client would not receive the services provided by the Firm which are designed, among other things, to assist the client in determining which products or services are most appropriate to each client's financial condition and objectives. Accordingly, the client should review both the fees charged by the product sponsor and the fees charged by the Firm to fully understand the total fees to be paid. The firm offers advisory services for either a fixed asset-based fee or a fee bases on a percentage of client’s asset under management. Wrap Fee Programs For some clients, LifeInvest may include the securities transaction fees together with investment advisory fees to provide the client with a single, bundled fee structure. This combination of fees is typically referred to as a Wrap Fee Program. LifeInvest can also offer such services or access to investment managers through other sponsors in the future. LifeInvest is also the provider of a wrap fee program managed on a discretionary or non-discretionary basis by LifeInvest investment adviser representatives. There is no difference in the investment management of wrap accounts and separately managed accounts. LifeInvest receives a portion of the total wrap fee for providing investment management services. LifeInvest’s Wrap Fee Program Brochure is included as Appendix 1 to this Disclosure Brochure to discuss the fee and potential conflicts associated with a bundled fee and its wrap fee programs. Compensation for Additional Services. LifeInvest receives compensation for consulting services; these services may be provided through third-party companies. Consulting Fees are determined on a case-by- case basis and are disclosed in writing to clients prior to engagement. The specific fee structure for each service will be negotiated with each client and outlined in a separate engagement agreement. This agreement will clearly disclose the amount and method of compensation. Estate Planning Services are subject to minimum $3,000.00 fee Referral Compensation. In certain circumstances, LifeInvest receives referral fees from other financial service providers for introducing clients to their products or services such as initial analysis to assess in opportunities in Private Equity or support for Merger and Acquisition. ITEM 6 PERFORMANCE-BASED FEES AND SIDE BY SIDE LifeInvest Wealth Management, Ltd. 6  LifeInvest Wealth Management Ltd. Does not charge Performance Fees at this time. ITEM 7 TYPES OF CLIENTS LifeInvest Wealth Management Ltd.’s clients are institutional clients that provide advisory services to wealthy individuals and families. The Firm also has clients that are high net worth individuals and families. LifeInvest Wealth Management Ltd's minimum account is $100,000. However, based on facts and circumstances LifeInvest Wealth Management Ltd, at its sole discretion, accepts accounts with a lower value. ITEM 8 METHODS OF ANALYSIS, INVESTMENT STRATEGIES AND RISK OF LOSS LifeInvest Wealth Management Ltd primary approach is to use fundamental analysis. The advisor uses, but is not limited to: exchange listed securities, over-the-counter securities, foreign securities, corporate debt securities, mutual funds, United States government securities, options in securities and commodities, and futures contracts on tangibles to accomplish this objective. The advisor measures and selects securities using sources of information to provide investment advice including research materials prepared by outside sources, corporate rating services and annual reports, prospectuses, and filings with the Securities and Exchange Commission. LifeInvest Wealth Management’s investment strategies used to implement investment advice given to our clients include long term purchases. Sometimes, the advisor recommends employing cash positions as a possible hedge against market movement which could adversely affect the portfolio. The advisor recommends selling positions for reasons that include, but are not limited to, harvesting capital gains or losses, business or sector risk exposure to a specific security or class of securities, overvaluation or overweighting of the position(s) in the portfolio, change in risk tolerance of client, or any risk deemed unacceptable for the client's risk tolerance. Most of the strategies employed by LifeInvest to manage client’s portfolios, that are deemed to have an appropriate profile and risk tolerance, will include investments in Structured Products. These Structured Products include the following risk of loss: Purchasing structured products involve a number of risks and are not suitable for all investors. It is suggested that the investors purchase these securities only after careful consideration with their financial, accounting and tax advisors regarding the suitability of the specific Structured Product in light of their particular circumstances. Market and Principal Risk Depending on the structure, the Structured Product may not pay interest prior to liquidation and may be structured to pay any payments due the investor only at maturity. The rate of return, if any, will depend on the performance of the "underlying" basket of LifeInvest Wealth Management, Ltd. 7  stocks, the underlying individual stock, the underlying index, the underlying debt instrument, and/or the underlying commodity backing the Structured Product. If the Structured Product is not designated as being 100% principal protected or FDIC insured, as with certificates of deposit, then some or all of your principal may be at risk. In this case, the return of principal is only guaranteed to the extent specified for the Structured Product and, is specifically subject to the underwriter's credit and the creditworthiness of the issuer. If the return on the "underlying security" is negative, the amount of cash paid to you at maturity will be less than the principal amount of the investment and you could lose up to the percentage indicated of your initial investment. It is also possible that at maturity you may end up owning the underlying security at a price lower than the original purchase price. In addition, if the basket return is positive, payment will be limited because the percentage increase of the underlying basket calculated as of the determination date may be capped, on a per share basis, at the percentage disclosed for the appreciation of each stock held within the basket. It should also be noted that there may be little or no secondary market for the Structured Product and information regarding independent market pricing of the Structured Products may be limited. It is also important to note that many factors will contribute to the availability of any potential secondary market value of the Structured Product, and you may not receive your full principal back if you sell or otherwise liquidate Structured Products prior to maturity. Such factors include, but are not limited to: time to maturity, the appreciation or depreciation, if any, of the underlying basket, volatility, and interest rate movement in the market place, and any other significant occurrences in the market place that may compromise the value of the underlying securities or index underlying the Structured Product. Below is more information regarding certain risks to be aware of when purchasing this product: • You should have received and reviewed the prospectus and current prospectus supplement related to each Structured Product. You should review the risks disclosed therein, and determine that the investment in the Structured Product is suitable and appropriate in light of your investment objective and risk tolerance. • Your investment in the Structured Product will be subject to the credit risk of the issuer and the actual and perceived creditworthiness of the issuer may affect the market value; therefore, there is market risk in addition to credit risk. • There may not be an available secondary market for the Structured Product. • The yield on the Structured Product may be considerably less than that of a standard debt security of comparable maturity. There is a substantial risk of loss in trading in securities and other financial instruments that you, as the investor, should be prepared to bear. Past results are no guarantee of future performance. You should carefully consider whether trading is appropriate for you in light of your experience, objectives, financial resources, and other relevant circumstances. Trading in futures and options is not suitable for many members of the public. LifeInvest Wealth Management, Ltd. 8  Digital Assets Risk Disclosure. This disclosure document is intended to inform you of some of the risks associated with investing in digital assets. Investors should be aware of these associated risks, which are described below: Technical risks Digital assets are based on complex and evolving technologies. There is a risk that software or hardware failures, hacking or other technical problems may disrupt the operation of digital asset networks, resulting in losses for investors. Legal risks The legal and regulatory landscape for digital assets is still developing. There is a risk that new laws or regulations may be enacted that could have a negative impact on the value or utility of digital assets. Market risks Digital asset markets are highly volatile and illiquid. This means that the price of digital assets can fluctuate wildly, and it can be difficult to sell them quickly or at a fair price. In addition, there is the risk of market manipulation and fraud. Price volatility Digital asset prices are highly volatile and can fluctuate wildly in response to a variety of factors, such as news, social media sentiment and regulatory changes. This volatility can lead to significant losses for investors. Operational risks Digital assets are often stored in digital wallets or exchanges. There is a risk that these wallets or exchanges may be hacked, suffer technical problems resulting in the loss of investors' funds, be stolen, or be lost due to human error. Tax risks: The tax treatment of digital assets is complex and evolving. Investors should consult with a tax advisor to understand the tax implications of investing in digital assets. Fraud and scams: There is a high risk of fraud and scams in the digital asset sector. Investors should be wary of any investment opportunity that seems too good to be true. Valuation methodology There is no universally accepted methodology for valuing digital assets. This can make it difficult to determine the fair market value of digital assets and lead investors to overpay for them. ITEM 9 DISCIPLINARY INFORMATION Neither LifeInvest Wealth Management Ltd nor any employee of the firm has been subject to any disciplinary actions by the Securities Exchange Commission (SEC) or any other regulatory authority. LifeInvest Wealth Management, Ltd. 9  ITEM 10 OTHER FINANCIAL INDUSTRY ACTIVITIES, BUSINESS ACTIVITIES AND AFFILIATIONS LifeInvest Wealth Management Ltd receives compensation for selling certain products from third parties. The payments potentially include distribution fees (including 12b-1 fees), trailer fees, loads or contingent deferred sales charges. At the client’s request, LifeInvest Wealth Management Ltd will forward all pertinent information regarding these products and services, including product name, characteristics, offering, fees, commissions, and risks, to them. Structured Products that LifeInvest uses to diversify client portfolios are from third party providers or others that include the firm as a sponsor or manager of the Note or Fund. The firm will, in some cases, receive material compensation from these investment vehicles that are apart from what is paid by the client for advisory services. Affiliates of the firm and its related persons will co-invest in some or all of the Structured Products alongside the clients of the firm. LifeInvest Wealth Management has a sub-advisory agreement with Kapital Consulting LTD, a BVI Business company, to provide investment consulting, management and sub- advisory services to certain clients / accounts of LifeInvest Wealth Management. Kapital Consulting LTD and LifeInvest Wealth Management have access and supervised persons in common. Investment Advisor. From time to time, LifeInvest Wealth Management recommends to certain clients to invest in one or more private funds, where one or more of our affiliates acts as General Partner, Sponsor, Portfolio Manager, or Investments recommendations are made based on each client’s investment and risk profile. ITEM 11 CODE OF ETHICS, PARTICIPATION OR INTEREST IN CLIENT TRANSACTIONS AND PERSONAL TRADING LifeInvest Wealth Management complies with The Insider Trading and Securities Fraud Enforcement Act of 1988. LifeInvest Wealth Management monitors the LifeInvest Wealth Management personal securities transactions of all access persons. In addition, LifeInvest Wealth Management has adopted a written Code of Ethics in compliance with SEC Rule 204A-1. This Code is based on the principle that the officers, directors, and employees (or persons having similar status or function) of LifeInvest Wealth Management have a fiduciary duty to place the interests of the clients ahead of their own interests. The Code applies to all supervised persons and focuses principally on monitoring and reporting of personal transactions in securities. Supervised persons must avoid activities, interests and relationships that might interfere with making decisions in the best interests of clients. LifeInvest Wealth Management adheres to the following principles: - We abide by Fiduciary Duty principles. Our duty is at all times to place the interests of our clients first. Supervised persons must avoid putting their own personal interests ahead of the interests of our clients. A supervised person may not induce or cause a client to take action, or not to take action, for personal benefit, rather than for the benefit of the client. LifeInvest Wealth Management, Ltd. 10  - All personal securities transactions will be conducted in such a manner as to be consistent with the Code of Ethics and to avoid any actual or potential conflict of interest or any abuse of a supervised person's position of trust and responsibility. - Access persons must regularly submit reports LifeInvest Wealth Management disclosing their beneficial ownership of securities and the acquisition and disposition of such beneficially owned securities. These reports shall detail the (i) title and type of security; (ii) exchange ticker symbol or CUSIP number as applicable; (iii) number of shares; (iv) principal amount of each security; (v) name of any broker, dealer, or bank with which the access person maintains an account in which any securities are held for the access person's direct or indirect benefit; (vi) date that the access person submits the report; (vii) nature of the transaction (i.e., purchase, sale, or other type of acquisition or disposition); (viii) price of the security at which the transaction was affected; (ix) name of the broker, dealer, or bank with or through which the transaction was affected; (ix) name of the broker, dealer, or bank with or through which the transaction was effected; and (x) date the access person submits the report, as applicable. - All trading by supervised persons must give preference to client portfolios. Specifically, no supervised person may (i) purchase securities for himself or an account over which he has control or a beneficial interest in until all LifeInvest Wealth Management client accounts to which such security has been recommended have acquired all sought positions, or (ii) sell for himself or an account over which he has control or a beneficial interest in until all LifeInvest Wealth Management client accounts for which such security has been recommended to sell have sold such security. - All supervised persons must; promptly, completely, and truthfully answer client inquiries; maintain the confidentiality of all information that our clients have entrusted to LifeInvest Wealth Management concerning its clients even if they leave LifeInvest Wealth Management; fully comply with all federal laws, rules, and regulations governing the provision of investment advisory services to clients; and promptly report any circumstances which appear to be or could be a violation of this Code to LifeInvest Wealth Management’s Chief Compliance Officer. The Chief Compliance Officer of LifeInvest Wealth Management carries out all compliance-related mandates as set forth by the Code of Ethics. A copy of the firm's Code of Ethics is available upon request by all clients and prospective clients. LifeInvest Wealth Management Ltd and/or its investment advisory representatives may from time to time purchase or sell products that they may recommend to clients. The Firm prohibits itself and its associated persons from benefiting from the short-term market effects of transactions for clients. The Firm gives preference to clients trading over itself. The compliance officer reviews all transactions executed by the Firm daily and conducts an additional review of all securities transactions by officers and employees quarterly. Certain financial products and services offered by LifeInvest Wealth Management Ltd are not available to investors in the US (US investors). LifeInvest Wealth Management, Ltd. 11  Investment Advisor. From time to time, LifeInvest Wealth Management recommends to certain clients to invest in one or more private funds, where one or more of our affiliates acts as General Partner, Sponsor, Portfolio Manager, or Investments recommendations are made based on each client’s investment and risk profile. Disclosure Regarding Proprietary Trading: From time to time, LifeInvest engages in proprietary trading activities, which involve investing the firm's own capital in various financial instruments, including but not limited to stocks, bonds, mutual funds, and alternative investments. As part of our investment strategy, we sometimes may make investment decisions that could conflict with the interests of our clients. We are committed to adhering to our fiduciary duty and will always act in the best interests of our clients. We will provide full disclosure of any material conflicts of interest arising from our proprietary trading activities. Clients will be informed of the specific nature of any potential conflicts and our processes to manage them. This includes our policies regarding allocation of investment opportunities, pricing, and the execution of trades. ITEM 12 BROKERAGE PRACTICES LifeInvest Wealth Management does not provide trade execution services for its advisory clients. Instead LifeInvest Wealth Management recommends, but does not require, that its clients execute their trades for their account(s) through a non-affiliated broker-dealer, Miura Capital LLC, or Portfolio Resources Group (“PRAG”). By directing brokerage clients may be unable to achieve most favorable execution of client transactions, and this practice may ultimately cost more money. Despite these existing arrangements, LifeInvest Wealth Management’s clients have the right to use a different broker for their trade executions; currently, however, none of our advisory clients uses unaffiliated brokerage services. Best Execution: As an investment advisory firm, the Firm has a fiduciary duty to seek best execution for client transactions. While best execution is difficult to define and challenging to measure, there is some consensus that it does not solely mean the achievement of the best price on a given transaction. Rather, it appears to be a collective consideration of factors concerning the trade in question. Such factors include the security being traded, the price of the trade, the speed of the execution, apparent conditions in the market, and the specific needs of the client. The Firm may not necessarily pay the lowest commission or commission equivalent as specific transactions may involve specialized services on the part of the broker. LifeInvest Wealth Management, Ltd. This would justify higher commissions (or their equivalent) than other transactions requiring routine services. If the Firm is directed by the client to direct trades to a specific broker dealer other than the custodian typically used for trade execution, it is disclosed 12  that the Firm’s ability to negotiate commissions (where applicable), obtain volume discounts, or otherwise obtain best execution may not be as favorable as might otherwise be obtained. Order Aggregation: The Firm, from time to time, combines orders into block trades when more than one account is participating in the trade. This blocking or bunching technique must be equitable and potentially advantageous for each such account (e.g. for the purposes of reducing brokerage commissions or obtaining a more favorable execution price). Block trading is performed when it is consistent with the duty to seek best execution and is consistent with the terms of the Firm's investment advisory agreements. Equity trades are blocked based upon fairness to client, both in the participation of their account, and in the allocation of orders for the accounts of more than one client. Allocations of all orders are performed in a timely and efficient manner. All managed accounts participating in a block execution receive the same execution price (average share price) for the securities purchased or sold in a trading day. Any portion of an order that remains unfilled at the end of a given day will be rewritten on the following day as a new order with a new daily average price to be determined at the end of the following day. Due to the low liquidity of certain securities, broker availability may be limited. Open orders are worked until they are completely filled, which may span the course of several days. If an order is filled in its entirety, securities purchased in the aggregated transaction will be allocated among the accounts participating in the trade in accordance with the allocation statement. If an order is partially filled, the securities will be allocated pro rata based on the allocation statement. The Firm could allocate trades in a different manner than indicated on the allocation statement (non-pro rata) only if all managed accounts receive fair and equitable treatment. The Firm recommends brokers to clients for execution and/or custodial services where requested by the client. Clients are not obligated to use the recommended broker and will not incur any extra fee or cost associated with using a broker not recommended by the Firm. If requested by the client, LifeInvest Wealth Management Ltd recommends brokers based on criteria such as, but not limited to, reasonableness of commissions charged to the client, services made available to the client, and location of broker offices. The custodians include, Pershing LLC, New Jersey (CRD#7560), Interactive Brokers (CRD#36418) and others. The Firm does not receive research services, other products, or compensation as a result of recommending a particular broker which may result in the client paying higher commissions than those obtainable through other brokers. LifeInvest Wealth Management Ltd never discloses the nonpublic personal information collected about its clients to anyone except in furtherance of our business relationship, and then only to those persons necessary to execute the transactions and provide the services that Client authorize (such as broker-dealers, custodians, investment managers etc.) or as otherwise provided by law. A copy of LifeInvest Wealth Management Ltd's Business Continuity Plan Disclosure Document will be provided to the Client at the time of account opening as well as when material changes to the plan occur. A copy of this document may be obtained at any time upon request. LifeInvest Wealth Management, Ltd. 13  ITEM 13 REVIEW OF ACCOUNTS LifeInvest Wealth Management reviews the holdings of individual accounts. Client accounts will be reviewed on a quarterly basis though clients may also request a review by LifeInvest Wealth Management of their objectives and holdings on an off-cycle basis. Any development affecting a client's holdings will trigger a review and appropriate advice being given. A continuous and ongoing review will be made of securities held by clients as well as a broad group of other securities in order to determine what changes, if any, should be suggested to clients. In addition, the client will receive other supporting reports from Mutual Funds, Asset Managers, Trust Companies or Custodians, Insurance Companies, Broker/Dealers and others who are involved with client accounts. Juan Carlos Carvallo (COO) and Victor Silva (Portfolio Manager) will conduct a continuous review of clients holding but at least will conduct the quarterly review of client holdings. Mr Carvallo and Mr Silva will review all of the clients for which reviews are to be conducted and all such reviews will be performed at identical review levels. Client will receive prompt notification of any investment recommendation made for the Client's Portfolio as well a monthly or quarterly statement (as applicable) showing Client's Portfolio and a review of all transactions occurring during the applicable period. ITEM 14 CLIENT REFERRALS AND OTHER COMPENSATION LifeInvest Wealth Management Ltd, from time to time, receives client referrals, and such referrals often come from current clients, attorneys, accountants, employees, personal friends of employees and other similar sources. The Adviser may enter into agreement whereby a party unaffiliated with the Adviser is entitled to compensation in the event that such party solicits prospective clients who become Adviser’s clients. Pursuant to the Agreement, the solicitor will provide each prospective client with a copy of the Adviser’s Form ADV Part 2A and 2B and a disclosure document setting forth the terms of the solicitation agreement, including the nature of the relationship between the solicitor and the Adviser and any fees to be paid to the solicitor. Where applicable, cash payments for client solicitations will be structure to comply fully with the requirements of Rule 206(4)-3 under the Advisers Act. LifeInvest Wealth Management Ltd does not currently maintain any Referral Agreements. ITEM 15 CUSTODY The Firm provides investment advisory services and portfolio management services and does not provide securities custodial or other administrative services. At no time will the firm accept or maintain custody of a client's funds or securities. On special circumstances, the Firm may have authority over bank accounts in name of a client, in order to facilitate the payment of fees or other administrative expenses related to the advice provided to the client. LifeInvest Wealth Management, Ltd. 14  INVESTMENT DISCRETION ITEM 16 The Firm offers clients both a Discretionary and Non-Discretionary investment advisory services. On Discretionary accounts, the Firm could have discretion over the selection and amount of securities to be bought or sold in client accounts without obtaining prior consent or approval from the client. However, these purchases or sales may be subject to specified investment objectives, guidelines, or limitations previously set forth by the client and agreed to by the Firm. Discretionary authority will only be authorized upon full disclosure to the client. The granting of such authority will be evidenced by the client's execution of an Investment Advisory Agreement containing all applicable limitations to such authority. ITEM 17 VOTING CLIENT SECURITIES The Firm will not vote, nor advise clients how to vote, proxies for securities held in client accounts. The client clearly keeps the authority and responsibility for the voting of these proxies. Also, the Firm cannot give any advice or take any action with respect to the voting of these proxies. The client and the Firm agree to this by contract. For accounts subject to the provisions of the Employee Retirement Income Security Act of 1974 (“ERISA”), the plan fiduciary specifically keeps the authority and responsibility for the voting of any proxies for securities held in plan accounts. Also, the Firm cannot give any advice or take action with respect to the voting of these proxies. ITEM 18 FINANCIAL INFORMATION LifeInvest Wealth Management Ltd does not maintain any impairments or financial obligations that might prevent it from meeting any contractual obligation to its clients. LifeInvest Wealth Management, Ltd. 15  LifeInvest Wealth Management, Ltd. PART 2A - APPENDIX 1 WRAP FEE PROGRAM BROCHURE CRD# 146966 Main Office 1110 Brickell Avenue Suite 210-A Miami, FL 33131 (786) 523-0500 April 11, 2025 This brochure is an appendix to LifeInvest’s Form Adv 2a. It provides information about LifeInvest’s Wrap Fee Program. If you have any questions about the contents of this brochure, please contact us at (786) 523-0500 or write to info@lifeinvestwealth.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 of an investment adviser does not imply any level of skill or training. Additional information about LifeInvest Wealth Management Ltd, is also available on the SEC’s website at https://adviserinfo.sec.gov/. LifeInvest Wealth Management, Ltd. 1  ITEM 2 TABLE OF CONTENTS ITEM DESCRIPTION PAGE (S) Item 1 Cover Page 1 Item 2 Table of Contents 2 Item 3 Material Changes 3 Item 4 Advisory Business 3, 4 Item 5 Fees and Compensation 4, 5, 6, 7, 8, 9 Item 6 Type of Clients 9, 10 Item 7 Portfolio Manager Selection and Evaluation 10, 11, 12 Item 8 Client Information Provided to Portfolio Managers 13 Item 9 Client Contac with Portfolio Managers 14 Item 10 Additional Information 14, 15, 16, 17 LifeInvest Wealth Management, Ltd. 2  ITEM 3 MATERIAL CHANGES You will receive a summary of any material changes to subsequent Brochures within 120 days of the close of our business’s fiscal year, which is December 31 of each year. We will further provide you with a new Brochure as necessary based on changes or new information, at any time, without charge. Currently, our Brochure may be requested by / or by email at telephone number (786) 523-0500 and contacting us at info@lifeinvestwealth.com Additional information about LifeInvest Wealth Management Ltd is also available via the SEC’s web site www.adviserinfo.sec.gov. The SEC’s web site also provides information about any persons affiliated with LifeInvest Wealth Management Ltd, who are registered, or are required to be registered, as Investment Adviser Representatives (“IARs”) of LifeInvest Wealth Management Ltd. ITEM 4 ADVISORY BUSINESS LifeInvest Wealth Management’s principal service is providing fee-based investment advisory services. LifeInvest Wealth Management’s primary approach is to use a fundamental allocation strategy aimed at reducing risk and increasing performance LifeInvest Wealth Management uses exchange listed securities; securities traded over- the-counter, equity securities of foreign issuers, warrants, corporate debt securities, commercial paper, CDs, United States government securities, and options in securities and commodities to accomplish this objective. Additional Services. Adviser provides investment advisory services to clients by managing investment portfolios following the objectives, guidelines, and risk profiles of the individual clients. Clients provide such information to the Adviser at or before the time they enter into an advisory agreement with the Adviser. The Adviser may provide additional services to the clients. receive referral compensation from the institution LifeInvest may also refer clients to other financial services companies, including but not limited to commercial banks, and insurance companies, or any other professionals (e.g., trust companies, lawyers, estate planning professionals, accountants, etc.) and certain cases may or professionals. LifeInvest does not assume any responsibilities for the products and services offered by said institutions or professionals. LifeInvest strongly recommends clients perform their due diligence on these institutions before opening a new account/relationship. In addition to investment advisory services, LifeInvest offers consulting services in merger and acquisition, private equity investment identification, estate planning, and strategic financing. These services may involve third-party providers. Clients should be aware that these services are separate from investment advisory services, and LifeInvest may receive referral compensation for these services from the third-party service providers. LifeInvest will disclose any potential conflicts of interest. LifeInvest Wealth Management, Ltd. 3  In some cases, Estate Planning consulting services are subject to a separate fee paid by the client. LifeInvest Wealth Management manages approximately $447 million in client assets as of December 31st, 2024. OWNERS & OFFICERS LifeInvest Wealth Management, Ltd (“LifeInvest Wealth Management”) was incorporated on November 14, 2007. LifeInvest Wealth Management is wholly owned 33.33% by Gabriel Osio Zamora, 33.33% by Ernesto Rangel Aguilera and 33.33% by Juan Carlos Carvallo. Gabriel Osio is Chairman of the Board, Juan Carlos Carvallo is the President, CEO and COO, Ernesto Rangel is Vice President and CFO, and Christian Ramirez is CCO. This Brochure describes the services provided under the Wrap Program. Please refer to our Form ADV Part 2A (Firm Brochure) for information on the other services provided by our firm, as listed above. ITEM 5 ITEM 5 FEES AND COMPENSATION FEES AND COMPENSATION TEM 5 FEES AND COMPENSATION Description of Services Provided in the Wrap Fee Program After gathering information about your financial situation, risk tolerance, and investment objectives, we will make recommendations regarding the suitability of the wrap fee program based on factors such as investment goals, strategy, performance, and methods of analysis. Portfolio management services in the program are provided on a discretionary or non-discretionary basis in accordance with your individual investment objectives. If you participate in our discretionary portfolio management services, we require you to grant our firm discretionary authority to manage your account. Subject to a grant of discretionary authorization, we have the authority and responsibility to formulate investment strategies on your behalf. This authorization includes deciding which securities to buy and sell, when to buy and sell, and in what amounts, in accordance with your investment program, without obtaining your prior consent or approval for each transaction. Discretionary authority is typically granted by the investment advisory agreement you sign with our firm and/or through trading authorization forms. You may limit our discretionary authority (for example, limiting the types of securities that can be purchased for your account) by providing our firm with your restrictions and guidelines in writing. As part of our portfolio management services provided through the Wrap Program, we may use one or more Third-Party Money Managers (TPMMs) to manage a portion of your account. The TPMMs may use one or more of their model portfolios to manage your account. LifeInvest will regularly monitor the performance of your accounts managed by TPMMs. Assets for Wrap Program accounts are generally held at Pershing (BNY Mellon) or Interactive Brokers. This firm also acts as executing broker/dealer for transactions LifeInvest Wealth Management, Ltd. 4  placed in Wrap Program accounts and provide other administrative services as described throughout this Brochure. Changes in Your Financial Circumstances In providing the contracted services, we are not required to verify any information we receive from you or from your other professionals (e.g., attorney, accountant, etc.) and we are expressly authorized to rely on the information you provide. Furthermore, unless you indicate to the contrary, we shall assume that there are no restrictions on our services, other than to manage your account in accordance with your designated investment objectives. It is your responsibility to promptly notify us if there are ever any changes in your financial situation or investment objectives for the purpose of reviewing/evaluating/revising our previous recommendations and/or services. The Wrap Program Fee identified in writing for exclusion. For existing program participants, LifeInvest charges an annual "wrap-fee" for participation in the Wrap Program depending upon the market value of your assets under our management. You are not charged separate fees for the different components of the services provided by the Wrap Program. LifeInvest pays all trade expenses of trades placed on your behalf. Assets in each of your account(s) are included in the fee In special assessment unless specifically circumstances, and in our sole discretion, we may negotiate a lesser management fee based upon certain criteria (i.e., anticipated future earning capacity, dollar amount of assets to be managed, related accounts, account composition, pre-existing client relationship, account retention, etc.). Asset Management Fee The firm offers advisory services for either a fixed asset-based fee or a fee bases on a percentage of client’s asset under management. The percentage fee schedule is based on the net asset value of the portfolio and is as follows: for accounts that range from $20,000 to $250,000 and percentage fee is of 2%. For accounts whose range are from $250,001 to $1,000,000 the percentage fee is of 1.75%. For accounts whose range are from $1,000,001 to $5,000,000 the percentage fee is of 1.50%. For accounts whose range are from $5,000,001 to $10,000,000 the percentage fee is of 1.00% and finally for accounts over $10,000,001 the percentage fee is of 0.75%. The minimum Annual Fee for all clients is $1,500. Our annual asset or portfolio management fee is billed and payable, quarterly in advance, based on the balance at end of billing period. In the case of the Interactive Brokers, the custodian deducts our fees in arrears. LifeInvest may reduce or waive fees at its discretion, such as for employee accounts under our management. If the asset or portfolio management agreement is executed at any time other than the first day of a calendar quarter, our fees will apply on a pro rata basis, which means that the advisory fee is payable in proportion to the number of days in the quarter for which you are a client. If the portfolio management agreement is executed at any time other LifeInvest Wealth Management, Ltd. 5  than the first day of a calendar quarter, our fees will apply on a pro rata basis, which means that the advisory fee is payable in proportion to the number of days in the quarter for which you are a client. An adjustment will be made for any net contributions or withdrawals of Assets in the Account(s), which are greater than or equal to $10,000 any given day during the quarter. Such adjustments are reflected in the fee calculations for the next quarterly period. As a client, you should be aware that the Wrap Program fee charged by LifeInvest may be higher (or lower) than those charged by others in the industry, and that it may be possible to obtain the same or similar services from other firms at lower (or higher) rates. A client may be able to obtain some or all of the types of services available through our firm's Wrap Program on an individual basis through other firms and, depending on the circumstances, the aggregate of any separately paid fees may be lower or higher than the annual fees shown above. At our discretion, LifeInvest may combine the account values of family members living in the same household to determine the applicable advisory fee. For example, we may combine account values for you and your minor children, joint accounts with your spouse, and other types of related accounts. Withdrawal of Assets You may withdraw account assets on notice to our firm, and subject to the usual and customary securities settlement procedures. However, we generally design our portfolios as long-term investments and asset withdrawals may impair the achievement of your specific investment objectives. Payment of Fees LifeInvest will deduct our fee directly from your account through the qualified custodian holding your funds and securities. We will deduct our advisory fee only when you have given our firm written authorization permitting the fees to be paid directly from your account. Further, the qualified custodian will deliver an account statement to you at least quarterly. These account statements will show all disbursements from your account. You should review all statements for accuracy. Termination of Advisory Relationship You may terminate the Wrap Program and advisory relationship upon 30 days' written notice to our firm. You will incur a pro rata charge for services rendered prior to the termination of the Wrap Program, which means you will incur advisory fees only in proportion to the number of days in the quarter for which you participated in the Wrap Program. If you have pre-paid advisory fees that we have not yet earned, you will receive a prorated refund of those fees. Upon termination of accounts held at the custodian(s) they will deliver securities and funds held in the account per your instructions unless you request that the account be liquidated. After the Wrap Program agreement has been terminated, transactions are processed at the prevailing brokerage rates/fees. After terminating the advisory LifeInvest Wealth Management, Ltd. 6  relationship, you become responsible for monitoring your own assets and our firm has no further obligation to act upon or to provide advice with respect to those assets. Wrap Program Disclosure • The benefits of the Wrap Program depend, in part, upon the size of the account, the management fee charged, and the number of transactions likely to be generated in the account. For example, a Wrap Program may not be suitable for accounts with little trading activity. In order to evaluate whether a wrap fee program is suitable for you, you should compare the Wrap Program Fee and any other costs of the Wrap Program with the amounts that would be charged by other advisers, broker-dealers, and custodians, for advisory fees, brokerage and other execution costs, and custodial services comparable to those provided under the Wrap Program. • In considering the investment programs described in this Brochure, you should be aware that participating in a wrap fee program may cost more or less than the cost of purchasing advisory, brokerage, and custodial services separately from other advisers or broker-dealers. • Our firm and Associated Persons receive compensation as a result of your participation in the Wrap Program. This compensation may be more than the amount our firm or the Associated Persons would receive if you paid separately for investment advice, brokerage, and other services. Accordingly, a conflict of interest exists because our firm and our Associated Persons have a financial incentive to recommend the Wrap Program. • Similar advisory services may be available from other registered investment advisers for lower fees. Additional Fees and Expenses The Wrap Program Fee includes the costs of brokerage commissions for transactions executed through the Qualified Custodian (or a broker-dealer designated by the Qualified Custodian), and charges relating to the settlement, clearance, or custody of securities in the account. The Wrap Program Fee does not include mark-ups and mark- downs, dealer spreads or other costs associated with the purchase or sale of securities, interest, taxes, or other costs, such as national securities exchange fees, charges for transactions not executed through the Qualified Custodian, costs associated with exchanging currencies, wire transfer fees, or other fees required by law or imposed by third parties. The account will be responsible for these additional fees and expenses. The Wrap Program fees that you pay to our firm for asset or portfolio management services are separate and distinct from the fees and expenses charged by mutual funds or exchange traded funds (described in each fund's prospectus) to their shareholders. These fees will generally include a management fee and other fund expenses. To fully understand the total cost you will incur, you should review all the fees charged by mutual funds, exchange traded funds (“ETFs”), our firm, and others. Brokerage Practices If you participate in the Wrap Program, you will be required to establish an account with Pershing (BNY Mellon) or Interactive Brokers, broker-dealer and member of FINRA and LifeInvest Wealth Management, Ltd. 7  SIPC. If you do not direct our firm to execute transactions through these custodians, we reserve the right to not accept your account. Not all advisors require their clients to direct brokerage. Since you are generally required to use Pershing (BNY Mellon) or Interactive Brokers, we may be unable to achieve the most favorable execution of your transactions. We believe that they provide quality execution services based on several factors, including, but not limited to, the ability to provide professional services, reputation, experience and financial stability. LifeInvest maintains an institutional relationship with Pershing (BNY Mellon) or Interactive Brokers. We will generally recommend Pershing (BNY Mellon) or Interactive Brokers (or any other Qualified Custodian) to serve as the custodian/clearing broker- dealer for your assets. Research and Other Soft Dollar Benefits LifeInvest does not have any soft dollar arrangements. Economic Benefits As a registered investment adviser, LifeInvest has access to the institutional platform of your account custodian. As such, we will also have access to research products and services from your account custodian and/or another brokerage firm. These products may include financial publications, information about particular companies and industries, research software, and other products or services that provide lawful and appropriate assistance to our firm in the performance of our investment decision-making responsibilities. Such research products and services are provided to all investment advisers that utilize the institutional services platforms of these firms and are not considered to be paid for with soft dollars. However, you should be aware that the commissions charged by a particular broker for a particular transaction or set of transactions may be greater than the amounts another broker who did not provide research services or products might charge. The following is a non-exhaustive list of economic benefits LifeInvest may receive from Pershing (BNY Mellon) or Interactive Brokers: • Payments to defray start-up costs incurred when transitioning to the custodian. • Providing or paying for the costs of products and services furnished our firm. • Reimbursement to clients for transfer costs to the custodian. • Credits to be applied towards qualifying third party service provider expenses incurred in relation to transition costs or the provision of core services and marketing efforts. This may include support of our research, technology or software platforms. • Access to software and related support without cost because our clients maintain assets at the custodian. • Receipt of duplicate client confirmations and bundled duplicate statements. • Access to a trading desk that exclusively services institutional participants. • Access to block trading which provides the ability to aggregate and allocate transactions; and • Access to an order entry and client account information electronic network. LifeInvest Wealth Management, Ltd. 8  Brokerage for Client Referrals LifeInvest does not receive client referrals from broker-dealers in exchange for cash or other compensation, such as brokerage services or research. Directed Brokerage In limited circumstances, and at our discretion, some clients may instruct our firm to use one or more particular brokers for the transactions in their accounts. If you choose to direct our firm to use a particular broker, you should understand that this might prevent our firm from aggregating trades with other client accounts or from effectively negotiating brokerage commissions on your behalf. This practice may also prevent our firm from obtaining favorable net price and execution. Thus, when directing brokerage business, you should consider whether the commission expenses, execution, clearance, and settlement capabilities that you will obtain through your broker are adequately favorable in comparison to those that we would otherwise obtain for you. Block Trades LifeInvest combines multiple orders for shares of the same securities purchased for discretionary advisory accounts we manage (this practice is commonly referred to as "block trading"). We will then distribute a portion of the shares to participating accounts in a fair and equitable manner. Generally, non-wrap accounts will pay a fixed transaction cost regardless of the number of shares transacted. In certain cases, each participating account pays an average price per share for all transactions and pays a proportionate share of all transaction costs on any given day. If you participate in our wrap fee program described above, you will not pay any portion of the transaction costs in addition to the program fee. In the event an order is only partially filled, the shares will be allocated to participating accounts in a fair and equitable manner, typically in proportion to the size of each client’s order. Accounts owned by our firm or persons associated with our firm may participate in block trading with your accounts; however, they will not be given preferential treatment. trades LifeInvest generally does not enter block for non-discretionary accounts. Accordingly, non-discretionary accounts may pay different costs than discretionary accounts pay. If you enter into non-discretionary arrangements with our firm, we may not be able to buy and sell the same quantities of securities for you and you may pay higher commissions, fees, and/or transaction costs than clients who enter into discretionary arrangements with our firm. LifeInvest Wealth Management Ltd. Does not charge Performance Fees at this time. ITEM 6 TYPES OF CLIENTS LifeInvest Wealth Management Ltd.’s clients are institutional clients that provide advisory services to wealthy individuals and families. The Firm also has clients that are high net worth individuals and families. LifeInvest Wealth Management Ltd's minimum account is $100,000. However, based LifeInvest Wealth Management, Ltd. 9  on facts and circumstances LifeInvest Wealth Management Ltd, at its sole discretion, accepts accounts with a lower value. ITEM 7 PORTFOLIO MANAGER SELECTION AND EVALUATION LifeInvest is the sponsor and sole portfolio manager for the Wrap Program. Refer to Fees, and Compensation for additional disclosures on costs associated with your participation in the Wrap Program. LifeInvest Wealth Management Ltd primary approach is to use fundamental analysis. The advisor uses, but is not limited to: exchange listed securities, over-the-counter securities, foreign securities, corporate debt securities, mutual funds, United States government securities, options in securities and commodities, and futures contracts on tangibles to accomplish this objective. The advisor measures and selects securities using sources of information to provide investment advice including research materials prepared by outside sources, corporate rating services and annual reports, prospectuses, and filings with the Securities and Exchange Commission. LifeInvest Wealth Management’s investment strategies used to implement investment advice given to our clients include long term purchases. Sometimes, the advisor recommends employing cash positions as a possible hedge against market movement which could adversely affect the portfolio. The advisor recommends selling positions for reasons that include, but are not limited to, harvesting capital gains or losses, business or sector risk exposure to a specific security or class of securities, overvaluation or overweighting of the position(s) in the portfolio, change in risk tolerance of client, or any risk deemed unacceptable for the client's risk tolerance. Most of the strategies employed by LifeInvest to manage clients’ portfolios, that are deemed to have an appropriate profile and risk tolerance, will include investments in Structured Products. These Structured Products include the following risk of loss: Purchasing structured products involve a number of risks and are not suitable for all investors. It is suggested that the investors purchase these securities only after careful consideration with their financial, accounting and tax advisors regarding the suitability of the specific Structured Product in light of their particular circumstances. Market and Principal Risk Depending on the structure, the Structured Product may not pay interest prior to liquidation and may be structured to pay any payments due the investor only at maturity. The rate of return, if any, will depend on the performance of the "underlying" basket of stocks, the underlying individual stock, the underlying index, the underlying debt instrument, and/or the underlying commodity backing the Structured Product. If the Structured Product is not designated as being 100% principal protected or FDIC insured, as with certificates of deposit, then some or all of your principal may be at risk. In this case, the return of principal is only guaranteed to the extent specified for the LifeInvest Wealth Management, Ltd. 10  Structured Product and, is specifically subject to the underwriter's credit and the creditworthiness of the issuer. If the return on the "underlying security" is negative, the amount of cash paid to you at maturity will be less than the principal amount of the investment and you could lose up to the percentage indicated of your initial investment. It is also possible that at maturity you may end up owning the underlying security at a price lower than the original purchase price. In addition, if the basket return is positive, payment will be limited because the percentage increase of the underlying basket calculated as of the determination date may be capped, on a per share basis, at the percentage disclosed for the appreciation of each stock held within the basket. It should also be noted that there may be little or no secondary market for the Structured Product and information regarding independent market pricing of the Structured Products may be limited. It is also important to note that many factors will contribute to the availability of any potential secondary market value of the Structured Product, and you may not receive your full principal back if you sell or otherwise liquidate Structured Products prior to maturity. Such factors include, but are not limited to: time to maturity, the appreciation or depreciation, if any, of the underlying basket, volatility, and interest rate movement in the market place, and any other significant occurrences in the market place that may compromise the value of the underlying securities or index underlying the Structured Product. Below is more information regarding certain risks to be aware of when purchasing this product: • You should have received and reviewed the prospectus and current prospectus supplement related to each Structured Product. You should review the risks disclosed therein, and determine that the investment in the Structured Product is suitable and appropriate in light of your investment objective and risk tolerance. • Your investment in the Structured Product will be subject to the credit risk of the issuer and the actual and perceived creditworthiness of the issuer may affect the market value; therefore, there is market risk in addition to credit risk. • There may not be an available secondary market for the Structured Product. • The yield on the Structured Product may be considerably less than that of a standard debt security of comparable maturity. There is a substantial risk of loss in trading in securities and other financial instruments that you, as the investor, should be prepared to bear. Past results are no guarantee of future performance. You should carefully consider whether trading is appropriate for you in light of your experience, objectives, financial resources, and other relevant circumstances. Trading in futures and options is not suitable for many members of the public. Digital Assets Risk Disclosure. This disclosure document is intended to inform you of some of the risks associated with investing in digital assets. Investors should be aware of these associated risks, which are described below: LifeInvest Wealth Management, Ltd. 11  Technical risks Digital assets are based on complex and evolving technologies. There is a risk that software or hardware failures, hacking or other technical problems may disrupt the operation of digital asset networks, resulting in losses for investors. Legal risks The legal and regulatory landscape for digital assets is still developing. There is a risk that new laws or regulations may be enacted that could have a negative impact on the value or utility of digital assets. Market risks Digital asset markets are highly volatile and illiquid. This means that the price of digital assets can fluctuate wildly, and it can be difficult to sell them quickly or at a fair price. In addition, there is the risk of market manipulation and fraud. Price volatility Digital asset prices are highly volatile and can fluctuate wildly in response to a variety of factors, such as news, social media sentiment and regulatory changes. This volatility can lead to significant losses for investors. Operational risks Digital assets are often stored in digital wallets or exchanges. There is a risk that these wallets or exchanges may be hacked, suffer technical problems resulting in the loss of investors' funds, be stolen, or be lost due to human error. Tax risks: The tax treatment of digital assets is complex and evolving. Investors should consult with a tax advisor to understand the tax implications of investing in digital assets. Fraud and scams: There is a high risk of fraud and scams in the digital asset sector. Investors should be wary of any investment opportunity that seems too good to be true. Valuation methodology There is no universally accepted methodology for valuing digital assets. This can make it difficult to determine the fair market value of digital assets and lead investors to overpay for them. Proxy Voting LifeInvest will not vote proxies on behalf of your advisory accounts. At your request, we may offer you advice regarding corporate actions and the exercise of your proxy voting rights. If you own shares of applicable securities, you are responsible for exercising your right to vote as a shareholder. In most cases, you will receive proxy materials directly from the account custodian. However, in the event we were to receive any written or electronic proxy materials, we would forward them directly to you by mail, unless you have authorized our firm to contact you by electronic mail, in which case, we would forward any electronic solicitations to vote proxies. LifeInvest Wealth Management, Ltd. 12  ITEM 8 CLIENT INFORMATION PROVIDED TO PORTFOLIO MANAGER In order to provide the Wrap Program services, LifeInvest will share your private information with your account custodian. LifeInvest may also provide your private information to mutual fund companies and/or third-party managers, or other service providers, as needed. LifeInvest will only share the information necessary in order to carry out our obligations to you in servicing your account. LifeInvest shares your personal account data in accordance with our privacy policy as described below. Portfolio Managers under the LifeInvest Wrap Fee Program are associated with LifeInvest as investment advisor representatives. Privacy Notice LifeInvest views protecting your private information as a top priority. Pursuant to applicable privacy requirements, we have instituted policies and procedures to ensure that we keep your personal information private and secure. LifeInvest may disclose your non-public personal information to non-affiliated third parties. In the course of servicing your account, we may share some information with our service providers, such as transfer agents, custodians, broker-dealers, accountants, consultants, and attorneys. LifeInvest restricts internal access to non-public personal information about you to employees, who need that information in order to provide products or services to you. We maintain physical and procedural safeguards that comply with regulatory standards to guard your non-public personal information and to ensure our integrity and confidentiality. We will not sell information about you or your accounts to anyone. We do not share your information unless it is required to process a transaction, at your request, or required by law. You will receive a copy of our privacy notice prior to or at the time you sign an advisory agreement with our firm. If you decide to close your account(s) we will adhere to our privacy policies, which may be amended from time to time. If we make any substantive changes in our privacy policy that would further permit or require disclosures of your private information, we will provide written notice to you. Where the change is based on permitted disclosures, you will be given an opportunity to direct us as to whether such disclosure is acceptable. Where the change is based on required disclosures, you will only receive written notice of the change. You may not opt out of the required disclosures. If you have questions about our privacy policies, contact our main office at the telephone number on the cover page of this Brochure. LifeInvest Wealth Management, Ltd. 13  ITEM 9 CLIENT CONTACT WITH PORTFOLIO MANAGERS Without restriction, you should contact our firm or your advisory representative or Portfolio Manager directly with any questions regarding your Wrap Program account. You should contact your advisory representative with respect to changes in your investment objectives, risk tolerance, or requested restrictions placed on the management of your Wrap Program assets. ITEM 10 ADDITIONAL INFORMATION Disciplinary Information We are required to disclose the facts of any legal or disciplinary events that are material to a client's evaluation of our advisory business or the integrity of our management. We do not have any required disclosures under this item. Recommendation of Other Advisers indirectly, from TPMMs We may recommend that you use a TPMM based on your needs and suitability. We will not receive separate compensation, directly or for recommending that you use their services. Moreover, we do not have any other business relationships with the recommended TPMMs. Description of Our Code of Ethics We strive to comply with applicable laws and regulations governing our practices. Therefore, our Code of Ethics includes guidelines for professional standards of conduct for persons associated with our firm. Our goal is to protect your interests at all times and to demonstrate our commitment to our fiduciary duties of honesty, good faith, and fair dealing with you. All persons associated with our firm are expected to adhere strictly to these guidelines. Persons associated with our firm are also required to report any violations of our Code of Ethics. Additionally, we maintain and enforce written policies reasonably designed to prevent the misuse or dissemination of material, non-public information about you or your account holdings by persons associated with our firm. Clients or prospective clients may obtain a copy of our Code of Ethics by contacting us at the telephone number on the cover page of this Brochure. Neither our firm nor any persons associated with our firm has any other material financial interest in client transactions beyond the provision of investment advisory services as disclosed in this brochure Personal Trading Practices Our firm or persons associated with our firm may buy or sell the same securities that we recommend to you or securities in which you are already invested. A conflict of interest exists in such cases because we have the ability to trade ahead of you and potentially receive more favorable prices than you will receive. To mitigate this conflict of interest, it is our policy that neither our firm nor persons associated with our firm shall have priority LifeInvest Wealth Management, Ltd. 14  over your account in the purchase or sale of securities. Review of Accounts The Firm’s CCO or a designee conducts client account reviews and will monitor your accounts on an ongoing basis and will conduct account reviews at least quarterly, to ensure the advisory services provided to you are consistent with your investment needs and objectives. Additional reviews may be conducted based on various circumstances, including, but not limited to: • contributions and withdrawals, • year-end tax planning, • market moving events, • security specific events, and/or, • changes in your risk/return objectives. The individuals conducting reviews may vary from time to time, as personnel join or leave our firm. You will receive trade confirmations and monthly or quarterly statements from your account custodian(s). LifeInvest will also provide Clients with periodic reports regarding their holdings, allocations, and performance. We urge Clients to compare the account statements they receive from their custodian with the reports prepared by the Firm and promptly inform us of any discrepancies. Client Referrals and Other Compensation LifeInvest may receive economic benefits from a non-client for providing investment advice or other advisory services to you. Through our participation in certain programs or use of a custodian we are entitled to receive economic benefits. As part of our fiduciary duty, we endeavor at all times to put the interests of our clients first. Clients should be aware, however, that the receipt of economic benefits by our firm from a non- client in and of itself creates a potential conflict of interest and may influence our choice in providing services to your account. This arrangement does not cause our clients to pay any additional transaction fees beyond those that are traditionally charged by our firm and/or other service providers. Refer to the Services, Fees, and Compensation section above for disclosures on research and other benefits we may receive resulting from our relationship with your account custodian. Custody As paying agent for our firm, your independent custodian will directly debit your account(s) for the payment of our advisory fees. We do not have physical custody of any of your funds and/or securities. Your funds and securities will be held with a bank, broker-dealer, or other qualified custodian. You will receive account statements from the qualified custodian(s) holding your funds and securities at least quarterly. The account statements from your custodian(s) will indicate the amount of our advisory fees deducted LifeInvest Wealth Management, Ltd. 15  from your account(s) each billing period. You should carefully review account statements for accuracy. LifeInvest may also provide reports to you reflecting among other things portfolio holdings and the amount of the advisory fee deducted from your account. You should compare our statements with the statements from your account custodian(s) to reconcile the information reflected on each statement. If you have a question regarding your account statement, or if you did not receive a statement from your custodian, contact us immediately at the telephone number on the cover page of this Brochure Investment Discretion Before we can buy or sell securities on your behalf, you must first sign our discretionary management agreement and the appropriate trading authorization forms. You may grant LifeInvest discretion over the selection and amount of securities to be purchased or sold for your account(s) without obtaining your consent or approval prior to each transaction. You may specify investment objectives, guidelines, and/or impose certain conditions or investment parameters for your account(s). For example, you may specify that the investment in any particular stock or industry should not exceed specified percentages of the value of the portfolio and/or restrictions or prohibitions of transactions in the securities of a specific industry or security. Refer to the Advisory Business section in this Brochure for more information on our discretionary management services. Our firm will also have discretionary authority to accept or reject a planned reallocation within a given portfolio and the discretion to hire or fire any sub-adviser without your prior permission. Trade Errors In the event a trading error occurs in your account, our policy is to restore your account to the position it should have been in had the trading error not occurred. Depending on the circumstances, corrective actions may include canceling the trade, adjusting an allocation, and/or reimbursing the account. Class Action Lawsuits LifeInvest does not determine if securities held by you are the subject of a class action lawsuit or whether you are eligible to participate in class action settlements or litigation nor do we initiate or participate in litigation to recover damages on your behalf for injuries as a result of actions, misconduct, or negligence by issuers of securities held by you. Financial Information LifeInvest does not have any financial condition or impairment that would prevent us from meeting our contractual commitments to you. We do not take physical custody of client funds or securities, or serve as trustee or signatory for client accounts, and we do not require the prepayment of more than $1,200 in fees six or more months in advance. Therefore, we are not required to include a financial statement with this Brochure. LifeInvest Wealth Management, Ltd. 16  LifeInvest has not filed a bankruptcy petition at any time in the past ten years. Cybersecurity LifeInvest utilizes electronic communication networks and electronic mediums to maintain information regarding its clients and its business. This creates the potential for cybersecurity incidents or cyber-attacks that may result in the inadvertent disclosure of confidential sensitive information to unintended parties, unauthorized access to confidential sensitive information, or operational disruptions by malicious hackers. LifeInvest has in place policies and procedures regarding information technology security, maintains technical and physical safeguards and takes other reasonable precautions to safeguard the confidentiality of sensitive information and internal data. However, despite reasonable precautions, the risk remains that cybersecurity incidents may occur. If such an event, were to occur, LifeInvest will promptly notify the affected parties and take all necessary appropriate actions. LifeInvest Wealth Management, Ltd. 17  Form ADV Part 2B Brochure Supplement Information April 2025 Juan Carvallo LifeInvest Wealth Management, LTD. 1110 Brickell Ave, Suite 210-A Miami, Florida 33131-3136 786-523-0500 This brochure supplement provides information about Juan Carvallo that supplements the LifeInvest Wealth Management, LTD brochure. You should have received a copy of that brochure. Please contact Christian Ramirez if you did not receive LifeInvest Wealth Management, LTD brochure or if you have any questions about the contents of the supplement. is available on the SEC’s website at Additional information about Juan Carvallo www.adviserinfo.sec.gov.  Juan Carvallo C.E.O / C.O.O Item 2 – Educational Background & Business Experience Full Legal Name: Juan Carlos Carvallo (CRD#2587147) Born: June 28, 1969 Education: 2006-2007 Bachelor Degree University of Miami (UM) Coral Gables Florida-USA Master Degree of Science in Professional Management 1988-1992 Bachelor Degree Economics, Universidad Santa María, Caracas Venezuela 1993-1994 Master of Science on Financial Institutions and Currencies, Universidad Central de Venezuela, Caracas, Venezuela Business Experience: 2018-Present 1999-Present 2008-2017 1996-1999 1994-1996 C.E.O and C.O.O LifeInvest Wealth Management, Ltd, Miami Managing Director, Econoinvest Capital, Caracas Venezuela Director Lifeinvest Asset Management, Ciudad de Panamá, Panamá Investment Representative, Morgan Stanley, NY, NY Broker and Sales Trader Associate, Oppenheimer & Co, NY, NY Item 3 - Disciplinary Information There are no legal, civil or disciplinary events to disclose regarding Mr. Juan Carvallo. Mr. Juan Carvallo has never been involved in any regulatory, civil or criminal action. There have been no complaints, lawsuits, arbitration claims or administrative proceedings against Mr. Juan Carvallo. Securities laws require an advisor to disclose any instances where the advisor or its advisory persons have been found liable in a legal, regulatory, civil or arbitration matter that alleges violation of securities and other statutes; fraud; false statements or omissions; theft, embezzlement or wrongful taking of property; bribery, forgery, counterfeiting, or extortion; and/or dishonest, unfair or unethical practices. As previously noted, there are no legal, civil or disciplinary events to disclose regarding Mr. Juan Carvallo. However, we do encourage you to independently view the background of Mr. Juan Carvallo on the Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov. Select Investment Adviser Search from the left navigation menu. Then select the option for Investment Adviser Representative and enter 2587147 in the field labeled “Individual CRD Number”.  Item 4 - Other Business Activities Mr. Juan Carvallo is affiliated with the following companies: Econoinvest Capital – Caracas, Venezuela. Business Financial Advisory and Real Estate director. 2hr/mo, & shareholder Econoinvest Servicios Financieros y Seguros Carabobo, Caracas, Venezuela. Holding Company. Director Ecogroup Holding – Panama. Director. 2hr/mo. 328 NW 12 Ave LLC, Real Estate member. 4 hrs./mo. 280 Pas Holding LLC, Real Estate member. 2 hrs./mo. Harbour Adventure LLC, Real Estate owner. 2 hrs./mo. Oscar Investment LLC, Private Investment Company, partner. 2 hrs./mo. Gaermo Investments Group LLC, Investments: Director. 2hrs/mo. Item 5 - Additional Compensation Occasionally, Mr. Juan Carvallo receives dividends or other additional compensation from his other business ventures. Item 6 - Supervision Individual(s) responsible for supervising the activities of Mr. Juan Carvallo is the CFO, Ernesto Rangel. Mr. Juan Carvallo serves as CEO of LifeInvest Wealth Management Ltd. Mr. Rangel can be reached at (786) 523-0500. LifeInvest Wealth Management Ltd has implemented a Code of Ethics and internal compliance that guide each employee in meeting their fiduciary obligations to Clients of LifeInvest. Further, LifeInvest Wealth Management Ltd is subject to regulatory oversight by various agencies. These agencies require registration by LifeInvest Wealth Management Ltd and its employees. As a registered entity, LifeInvest Wealth Management Ltd. is subject to examinations by regulators, which may be announced or unannounced. LifeInvest Wealth Management Ltd. is required to periodically update the information provided to these agencies and to provide various reports regarding the business activities and assets of the Advisor. Item 7 – Requirements for State-Registered Advisers N/A  Form ADV Part 2B Brochure Supplement Information April 2025 Victor Silva Ricci LifeInvest Wealth Management, LTD. 1110 Brickell Ave, Suite 210-A Miami, Florida 33131-3136 786-523-0500 This brochure supplement provides information about Mr. Victor Silva Ricci that supplements the LifeInvest Wealth Management, LTD brochure. You should have received a copy of that brochure. Please contact Christian Ramirez if you did not receive LifeInvest Wealth Management, LTD brochure or if you have any questions about the contents of the supplement. Additional information about Victor Silva Ricci is available on the SEC’s website at www.adviserinfo.sec.gov.  Victor Silva Ricci Investment Advisor Representative and Portfolio Manager Item 2 – Educational Background & Business Experience Victor Manuel Rafael Silva Ricci (CRD#7072197) Full Legal Name: Born: October 25, 1977 Education: 2016 Advanced Management Program (AMP) - Instituto Estudios Superiores de Administración (IESA), Caracas Venezuela. 2014 Securities Investment Analyst – Superintendence of the Securities Market of Panama, Ciudad de Panama, Panama. 2006 Investment Advisor - National Superintendence of Securities of Venezuela (SNV). 2006 Major in Finance – Diploma in Business Management – Universidad Simon Bolivar (USB), Caracas Venezuela 2002 Bachelor Degree in Economist – Universidad Santa Maria, Caracas Venezuela. Business Experience: 2022-Present Investment Advisor Representative in LifeInvest Wealth Management, Miami FL. Portfolio Manager in LifeInvest Wealth Management, Miami FL Instructor in Instituto de Finanzas y Empresas, Caracas Venezuela 2018-Present 07/2012-Present Director in Consultores Grupo Kapital, Caracas Venezuela 06/2006-05/2010 01/2005-05/2010 Porfolio Manager and Research Econoinvest Casa de Bolsa C.A, Caracas Venezuela Item 3 - Disciplinary Information There are no legal, civil, or disciplinary events to disclose regarding Mr. Victor Silva Ricci. Mr. Victor Silva Ricci has never been involved in any regulatory, civil, or criminal action. There have been no complaints, lawsuits, arbitration claims or administrative proceedings against Mr. Victor Silva Ricci. Securities laws require an advisor to disclose any instances where the advisor or its advisory persons have been found liable in a legal, regulatory, civil or arbitration matter that alleges violation of securities and other statutes; fraud; false statements or omissions; theft, embezzlement or wrongful taking of property; bribery, forgery, counterfeiting, or extortion; and/or dishonest, unfair, or unethical  practices. As previously noted, there are no legal, civil, or disciplinary events to disclose regarding Mr. Victor Silva Ricci. However, we do encourage you to independently view the background of Mr. Victor Silva Ricci. on the Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov. Select Investment Adviser Search from the left navigation menu. Then select the option for Investment Adviser Representative and enter 7072197 in the field labeled “Individual CRD Number”. Item 4 - Other Business Activities. Kapital Consulting (Consultores Grupo Kapital), Investment Related, Av. Francisco Miranda, Edf Mene Grande, Los Palos Grandes, Caracas Venezuela. Mr. Silva was founding member a Finance Consulting company (Kapital), Consulting/Advisor Investment, Start date 07/2012, 10 hrs./month. Duties: Also, coordinate the design and structuring of investment strategies for high-income individuals and corporations. To coordinate economic and financial assessments at a domestic and international level, and Corporate Finance. Gaermo Investment LLC, Address 1331 Brickell Ave Miami FL 33131, Director, no compensation, 1hr/mo. Engage business of managing/operating/financing/investment in other companies. Start Date 2018, 2h/m. Item 5 - Additional Compensation. Occasionally, Mr. Victor Silva Ricci receives dividends or other additional compensation from his other business ventures. Item 6 - Supervision Individual(s) responsible for supervising the activities of Mr. Victor Silva Ricci is the CFO Mr. Ernesto Rangel. Mr. Victor Silva Ricci serves as Investment Advisor Representative and Portfolio Manager of LifeInvest Wealth Management Ltd. Mr. Ernesto Rangel can be reached at (786) 523-0500. LifeInvest Wealth Management Ltd has implemented a Code of Ethics and internal compliance that guide each employee in meeting their fiduciary obligations to Clients of LifeInvest. Further, LifeInvest Wealth Management Ltd is subject to regulatory oversight by various agencies. These agencies require registration by LifeInvest Wealth Management Ltd and its employees. As a registered entity, LifeInvest Wealth Management Ltd. is subject to examinations by regulators, which may be announced or unannounced. LifeInvest Wealth Management Ltd. is required to periodically update the information provided to these agencies and to provide various reports regarding the business activities and assets of the Advisor. Item 7 – Requirements for State-Registered Advisers N/A  Form ADV Part 2B Brochure Supplement Information April 2025 Asdrubal Rivas Rojas LifeInvest Wealth Management, LTD. 1110 Brickell Ave, Suite 210-A Miami, Florida 33131-3136 786-523-0500 This brochure supplement provides information about Mr. Asdrubal Rivas Rojas that supplements the LifeInvest Wealth Management, LTD brochure. You should have received a copy of that brochure. Please contact Christian Ramirez if you did not receive LifeInvest Wealth Management, LTD brochure or if you have any questions about the contents of the supplement. Additional information about Asdrubal Rivas Rojas is available on the SEC’s website at www.adviserinfo.sec.gov.  Asdrubal Rivas Rojas Investment Advisor Representative and Portfolio Manager Item 2 – Educational Background & Business Experience Asdrubal Jose Rivas Rojas (CRD#7072228) Full Legal Name: Born: November 24, 1983 Education: 2016 Advanced Management Program (AMP) - Instituto Estudios Superiores de Administración (IESA), Caracas Venezuela. 2009 Master in Finances (MAF) - Instituto Estudios Superiores de Administración (IESA), Caracas Venezuela. 2005 Bachelor Degree in Economist – Universidad de los Andes (ULA) Mérida, Venezuela. 2005 Accounting Program – Instituto Universitario Tecnologico de Ejido (IUTE), Mérida, Venezuela. Business Experience: 2024-Present Investment Advisor Representative in LifeInvest Wealth Management, Miami FL Portfolio Manager in LifeInvest Wealth Management, Miami FL 2018-Present 01/2012-Present Director in Consultores Grupo Kapital, Caracas Venezuela 01/2008-12/2020 Workshop Instructor in Instituto de Finanzas y Empresas, Caracas Venezuela 01/2005-05/2011 Portfolio Manager and Research Econoinvest Casa de Bolsa C.A, Caracas Venezuela Item 3 - Disciplinary Information There are no legal, civil, or disciplinary events to disclose regarding Mr. Asdrubal Rivas Rojas. Mr. Asdrubal Rivas Rojas has never been involved in any regulatory, civil, or criminal action. There have been no complaints, lawsuits, arbitration claims or administrative proceedings against Mr. Asdrubal Rivas Rojas. Securities laws require an advisor to disclose any instances where the advisor or its advisory persons have been found liable in a legal, regulatory, civil or arbitration matter that alleges violation of securities and other statutes; fraud; false statements or omissions; theft, embezzlement or wrongful taking of property; bribery, forgery, counterfeiting, or extortion; and/or dishonest, unfair, or unethical  practices. As previously noted, there are no legal, civil, or disciplinary events to disclose regarding Mr. Asdrubal Rivas Rojas. However, we do encourage you to independently view the background of Mr. Asdrubal Rivas Rojas. on the Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov. Select Investment Adviser Search from the left navigation menu. Then select the option for Investment Adviser Representative and enter 7072228 in the field labeled “Individual CRD Number”. Item 4 - Other Business Activities. Kapital Consulting (Consultores Grupo Kapital), Investment Related, Av. Francisco Miranda, Edf Mene Grande, Los Palos Grandes, Caracas Venezuela. Mr. Rivas was founding member a Finance Consulting company (Kapital), Consulting/Advisor Investment, Start date 01/2012, 20 hrs./month. Duties: Also, coordinate the design and structuring of investment strategies for high-income individuals and corporations. To coordinate economic and financial assessments at a domestic and international level, and Corporate Finance. Item 5 - Additional Compensation. Occasionally, Mr. Asdrubal Rivas Rojas receives dividends or other additional compensation from his other business ventures. Item 6 - Supervision Individual(s) responsible for supervising the activities of Mr. Asdrubal Rivas Rojas is the CFO Mr. Ernesto Rangel. Mr. Asdrubal Rivas Rojas serves as Investment Advisor Representative and Portfolio Manager of LifeInvest Wealth Management Ltd. Mr. Ernesto Rangel can be reached at (786) 523-0500. LifeInvest Wealth Management Ltd has implemented a Code of Ethics and internal compliance that guide each employee in meeting their fiduciary obligations to Clients of LifeInvest. Further, LifeInvest Wealth Management Ltd is subject to regulatory oversight by various agencies. These agencies require registration by LifeInvest Wealth Management Ltd and its employees. As a registered entity, LifeInvest Wealth Management Ltd. is subject to examinations by regulators, which may be announced or unannounced. LifeInvest Wealth Management Ltd. is required to periodically update the information provided to these agencies and to provide various reports regarding the business activities and assets of the Advisor. Item 7 – Requirements for State-Registered Advisers N/A  Form ADV Part 2B Brochure Supplement Information April 2025 Angel David Alayon LifeInvest Wealth Management, LTD. 1110 Brickell Ave, Suite 210-A Miami, Florida 33131-3136 786-523-0500 This brochure supplement provides information about Mr. Angel David Alayon that supplements the LifeInvest Wealth Management, LTD brochure. You should have received a copy of that brochure. Please contact Christian Ramirez if you did not receive LifeInvest Wealth Management, LTD brochure or if you have any questions about the contents of the supplement. Additional information about Angel David Alayon is available on the SEC’s website at www.adviserinfo.sec.gov.  Angel David Alayon Investment Advisor Representative Item 2 – Educational Background & Business Experience Angel David Alayon Peña (CRD#8059726) Full Legal Name: Born: November 16, 1973 Education: 2014 2014 2006 2004 2000 Securities Investment Analyst – Superintendence of the Securities Market of Panama, Ciudad de Panama, Panama. Public Security Broker – National Superintendence of Securities of Venezuela (SNV). Investment Advisor - National Superintendence of Securities of Venezuela (SNV). Master in Bussines Administration (MBA)- Instituto de Empresa (IE) Madrid. España. Bachelor of International business – Universidad Alejandro Humboldt. Caracas. Venezuela. Business Experience: 2023-Present Investment Advisor Representative in LifeInvest Wealth Management, Miami FL. 07/2012-Present Director in Consultores Grupo Kapital, Caracas Venezuela 06/2006-05/2010 Founder and Instructor in Instituto de Finanzas y Empresas (IFE), 12/2004-2010 05/1995-2002 Caracas Venezuela Porfolio Manager and Research Econoinvest Casa de Bolsa C.A, Caracas Venezuela Foreign Currency Trader at Venezuelan Investment Fund (FIV), Caracas Venezuela Item 3 - Disciplinary Information There are no legal, civil, or disciplinary events to disclose regarding Mr. Angel David Alayon. Mr. Angel David Alayon has never been involved in any regulatory, civil, or criminal action. There have been no complaints, lawsuits, arbitration claims or administrative proceedings against Mr. Angel David Alayon. Securities laws require an advisor to disclose any instances where the advisor or its advisory persons have been found liable in a legal, regulatory, civil or arbitration matter that alleges violation of securities and other statutes; fraud; false statements or omissions; theft, embezzlement or wrongful taking of property; bribery, forgery, counterfeiting, or extortion; and/or dishonest, unfair, or unethical practices.  As previously noted, there are no legal, civil, or disciplinary events to disclose regarding Mr. Angel David Alayon. However, we do encourage you to independently view the background of Mr. Angel David Alayon. on the Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov. Select Investment Adviser Search from the left navigation menu. Then select the option for Investment Adviser Representative and enter 8059726 in the field labeled “Individual CRD Number”. Item 4 - Other Business Activities. individuals and corporations. To coordinate economic and Consultores Grupo Kapital, Investment Related, Av. Francisco Miranda, Edf Mene Grande, Los Palos Grandes, Caracas Venezuela. Mr. Alayon was founding member a Finance Consulting company (Kapital), Consulting/Advisor Investment, Start date 01/2012, 20 hrs./month. Duties: Also, coordinate the design and structuring of investment strategies for high-income financial assessments at a domestic and international level, and Corporate Finance. Job Description: Representative Advisor for Clients, raise funds, management of investment portfolios, financial advisory and financial planning. Founder and Instructor in Instituto de Finanzas y Empresas (IFE), I Teach in workshops and webinars regarding financial topics such as Personal Finance and Investment Principles. I am also a speaker in events regarding financial topics and finally, I also provide beginner-level educational content on [Artificial Intelligence principles], which is unrelated to my primary role as an investment. Item 5 - Additional Compensation. Occasionally, Mr. Angel David Alayon receives dividends or other additional compensation from his other business ventures. Item 6 - Supervision Individual(s) responsible for supervising the activities of Mr. Angel David Alayon is the CEO Mr. Juan Carvallo. Mr. Angel David Alayon serves as Investment Advisor Representative of LifeInvest Wealth Management Ltd. Mr. Angel David Alayon can be reached at (786) 523- 0500. LifeInvest Wealth Management Ltd has implemented a Code of Ethics and internal compliance that guide each employee in meeting their fiduciary obligations to Clients of LifeInvest. Further, LifeInvest Wealth Management Ltd is subject to regulatory oversight by various agencies. These agencies require registration by LifeInvest Wealth Management Ltd and its employees. As a registered entity, LifeInvest Wealth Management Ltd. is subject to examinations by regulators, which may be announced or unannounced. LifeInvest Wealth Management Ltd. is required to periodically update the information provided to these agencies and to provide various reports regarding the business activities and assets of the Advisor. Item 7 – Requirements for State-Registered Advisers N/A  Form ADV Part 2B Brochure Supplement Information April 2025 Marilo Fernandez Gonzalez LifeInvest Wealth Management, LTD. 1110 Brickell Ave, Suite 210-A Miami, Florida 33131-3136 786-523-0500 This brochure supplement provides information about Mrs. Marilo Fernandez Gonzalez that supplements the LifeInvest Wealth Management, LTD brochure. You should have received a copy of that brochure. Please contact Christian Ramirez if you did not receive LifeInvest Wealth Management, LTD brochure or if you have any questions about the contents of the supplement. Additional information about Marilo Fernandez Gonzalez is available on the SEC’s website at www.adviserinfo.sec.gov.  Marilo Fernandez Gonzalez Investment Advisor Representative Item 2 – Educational Background & Business Experience Full Legal Name: Mariló Fernández González (CRD#7003041) Born: April 24, 1979 Education: 1997-2002 Bachelor’s Degree in Business Administration – Major in Bank and Finance – Universidad Metropolitana Caracas – Venezuela 2004-2005 MBA Specialization in Finance – Universidad Metropolitana – Caracas Venezuela Business Experience: 2018-Present 2014-Present 2010-2014 2005-2010 Investment Advisor Representative in LifeInvest Wealth Management, Miami FL Investment Advisor Representative in Kapital Consultores, Caracas Venezuela Investment Advisor Representative in Ecogroup Management, Caracas Venezuela Senior Financial Advisor in Econoinvest Casa de Bolsa, Caracas Venezuela Item 3 - Disciplinary Information There are no legal, civil or disciplinary events to disclose regarding Mrs. Marilo Fernandez Gonzalez. Mrs. Marilo Fernandez Gonzalez has never been involved in any regulatory, civil or criminal action. There have been no complaints, lawsuits, arbitration claims or administrative proceedings against Mrs. Marilo Fernandez Gonzalez. Securities laws require an advisor to disclose any instances where the advisor or its advisory persons have been found liable in a legal, regulatory, civil or arbitration matter that alleges violation of securities and other statutes; fraud; false statements or omissions; theft, embezzlement or wrongful taking of property; bribery, forgery, counterfeiting, or extortion; and/or dishonest, unfair or unethical practices. As previously noted, there are no legal, civil or disciplinary events to disclose regarding Mrs. Marilo Fernandez Gonzalez. However, we do encourage you to independently view the background of Mrs. Marilo Fernandez Gonzalez. on the Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov. Select Investment Adviser Search from the left navigation menu. Then select the option for Investment Adviser Representative and enter  7003041 in the field labeled “Individual CRD Number”. Item 4 - Other Business Activities. Mrs. Marilo Fernandez is currently engaged in wealth management services in Venezuela in Kapital Consultores as Investment Advisor, she spends 80 h/month in her business, and she started work from 02/2014. Mrs. Fernandez is responsible for conducting the administration of investment products and services. Inversiones Romero Fernandez, non-investment related, Director and Secretary, Since 2022, 2hrs/mo. Banam Inc, non-investment related, Director-President, Since 2022, 2 hrs./mo. Fundaprocura (non-Investment Related, nonprofit Organization) a voluntary work is in charge to collecting and classifying donated clothes for donation to wheelchairs persons. Item 5 - Additional Compensation. Occasionally, Mrs. Marilo Fernandez Gonzalez receives dividends or other additional compensation from his other business ventures. Item 6 - Supervision Individual(s) responsible for supervising the activities of Mrs. Marilo Fernandez Gonzalez is the CEO Mr. Juan Carlos Carvallo. Mrs. Marilo Fernandez Gonzalez serves as Investment Advisor Representative of LifeInvest Wealth Management Ltd. Mr. Juan Carvallo can be reached at (786) 523-0500. LifeInvest Wealth Management Ltd has implemented a Code of Ethics and internal compliance that guide each employee in meeting their fiduciary obligations to Clients of LifeInvest. Further, LifeInvest Wealth Management Ltd is subject to regulatory oversight by various agencies. These agencies require registration by LifeInvest Wealth Management Ltd and its employees. As a registered entity, LifeInvest Wealth Management Ltd. is subject to examinations by regulators, which may be announced or unannounced. LifeInvest Wealth Management Ltd. is required to periodically update the information provided to these agencies and to provide various reports regarding the business activities and assets of the Advisor. Item 7 – Requirements for State-Registered Advisers N/A  Form ADV Part 2B Brochure Supplement Information April 2025 Rafael Senado LifeInvest Wealth Management, LTD. 1110 Brickell Ave, Suite 210-A Miami, Florida 33131-3136 786-523-0500 This brochure supplement provides information about Mr. Rafael Senado that supplements the LifeInvest Wealth Management, LTD brochure. You should have received a copy of that brochure. Please contact Christian Ramirez if you did not receive LifeInvest Wealth Management, LTD brochure or if you have any questions about the contents of the supplement. Additional information about Rafael Senado is available on the SEC’s website at www.adviserinfo.sec.gov.  Rafael Senado Investment Advisor Representative Item 2 – Educational Background & Business Experience Full Legal Name: Rafael Senado (CRD#7427195) Born: October 19, 1998 Education: 2018-2022 Bachelor’s Degree in Business Administration –– Technological de Monterrey Campus Santa Fe, Monterrey, Nuevo Leon, Mexico Business Experience: 2021-Present Investment Advisor Representative in LifeInvest Wealth Management, Miami FL Item 3 - Disciplinary Information There are no legal, civil or disciplinary events to disclose regarding Mr. Rafael Senado. Mr. Rafael Senado has never been involved in any regulatory, civil, or criminal action. There have been no complaints, lawsuits, arbitration claims or administrative proceedings against Mr. Rafael Senado. Securities laws require an advisor to disclose any instances where the advisor or its advisory persons have been found liable in a legal, regulatory, civil or arbitration matter that alleges violation of securities and other statutes; fraud; false statements or omissions; theft, embezzlement or wrongful taking of property; bribery, forgery, counterfeiting, or extortion; and/or dishonest, unfair or unethical practices. As previously noted, there are no legal, civil or disciplinary events to disclose regarding Mr. Rafael Senado. However, we do encourage you to independently view the background of Mr. Rafael Senado on the Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov. Select Investment Adviser Search from the left navigation menu. Then select the option for Investment Adviser Representative and enter 7427195 in the field labeled “Individual CRD Number”. Item 4 - Other Business Activities. Polibrisa de Mexico CV (plastic packaging manufacturing company) non-investment related, since 2022, address Emiliano Zapata 45 Col Parque Industrial Lerma Mexico 52000, 5hrs/m.  Grupo BHNV SA, is not a business investment related, also is pending to close. Item 5 - Additional Compensation. Occasionally, Mr. Rafael Senado receives dividends or other additional compensation from his other business ventures. Item 6 - Supervision Individual(s) responsible for supervising the activities of Mr. Rafael Senado is the CEO Mr. Juan Carlos Carvallo.. Mr. Rafael Senado serves as Investment Advisor Representative of LifeInvest Wealth Management Ltd. Mr. Juan Carvallo can be reached at (786) 523-0500. LifeInvest Wealth Management Ltd has implemented a Code of Ethics and internal compliance that guide each employee in meeting their fiduciary obligations to Clients of LifeInvest. Further, LifeInvest Wealth Management Ltd is subject to regulatory oversight by various agencies. These agencies require registration by LifeInvest Wealth Management Ltd and its employees. As a registered entity, LifeInvest Wealth Management Ltd. is subject to examinations by regulators, which may be announced or unannounced. LifeInvest Wealth Management Ltd. is required to periodically update the information provided to these agencies and to provide various reports regarding the business activities and assets of the Advisor. Item 7 – Requirements for State-Registered Advisers N/A  Form ADV Part 2B Brochure Supplement Information April 2025 Gioconda Bolinches Sebastiani LifeInvest Wealth Management, LTD. 1110 Brickell Ave, Suite 210-A Miami, Florida 33131-3136 786-523-0500 This brochure supplement provides information about Mrs. Gioconda Bolinches Sebastiani that supplements the LifeInvest Wealth Management, LTD brochure. You should have received a copy of that brochure. Please contact Christian Ramirez if you did not receive LifeInvest Wealth Management, LTD brochure or if you have any questions about the contents of the supplement. Additional information about Gioconda Bolinches Sebastiani is available on the SEC’s website at www.adviserinfo.sec.gov.  Gioconda Bolinches Sebastiani Financial Advisor Item 2 – Educational Background & Business Experience Full Legal Name: Gioconda Bolinches Sebastiani (CRD#6711397) Born: July 15, 1982 Education: 2005 2013 Bachelor’s Degree in Business Administration – Major in Bank and Finance – Universidad Metropolitana Caracas – Venezuela Master in Finance – Instituto de Estudios Superiores de Administración (IESA) – Caracas, Venezuela Business Experience: 2022-Present 2016-Present 2018-2020 in LifeInvest Asset Management, 2006-2018 Advisor in BBO Financial Services, Investment Advisor Representative in LifeInvest Wealth Management, Miami FL Broker Representative in Portfolio Resources Group, INC, Coral Gables FL Relationship Manager Ciudad de Panama, Panama Senior Financial Caracas Venezuela Item 3 - Disciplinary Information There are no legal, civil or disciplinary events to disclose regarding Mrs. Gioconda Bolinches Sebastiani. Mrs. Gioconda Bolinches Sebastiani has never been involved in any regulatory, civil or criminal action. There have been no complaints, lawsuits, arbitration claims or administrative proceedings against Mrs. Gioconda Bolinches Sebastiani. Securities laws require an advisor to disclose any instances where the advisor or its advisory persons have been found liable in a legal, regulatory, civil or arbitration matter that alleges violation of securities and other statutes; fraud; false statements or omissions; theft, embezzlement or wrongful taking of property; bribery, forgery, counterfeiting, or extortion; and/or dishonest, unfair or unethical practices. As previously noted, there are no legal, civil, or disciplinary events to disclose regarding Mrs. Gioconda Bolinches Sebastiani. However, we do encourage you to independently view the background of Mrs. Gioconda Bolinches Sebastiani. on the Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov. Select Investment Adviser Search from the left navigation menu. Then select the option for Investment Adviser Representative  and enter 6711397 in the field labeled “Individual CRD Number”. Item 4 - Other Business Activities. Mrs. Gioconda Bolinches Sebastiani is currently engaged in FIVESTATION LLC as a Director, a transportation and delivery Company in Miami FL, is not business related, 2hr/mo. Mrs. Gioconda Bolinches Sebastiani is also engaged as a Registered Representative of Broker Dealer in Portfolio Resources International Group, 400 Ponce de Leon Blvd, Suite 670, Coral Gables, Florida 33146, start date February 2022, 20hr/mo. Mrs. Gioconda Bolinches Sebastiani is currently engaged in Here and Now Management Corp as a director owner, company that provides financial management and accounting services in Doral, FL, Start Date July 2023, 2hr/mo. Item 5 - Additional Compensation. Occasionally, Mrs. Gioconda Bolinches Sebastiani receives dividends or other additional compensation from his other business ventures. Item 6 - Supervision Individual(s) responsible for supervising the activities of Mrs. Gioconda Bolinches Sebastiani is the CEO Mr. Juan Carlos Carvallo.. Mrs. Gioconda Bolinches Sebastiani serves as Investment Advisor Representative of LifeInvest Wealth Management Ltd. Mr. Juan Carlos Carvallo. can be reached at (786) 523-0500. LifeInvest Wealth Management Ltd has implemented a Code of Ethics and internal compliance that guide each employee in meeting their fiduciary obligations to Clients of LifeInvest. Further, LifeInvest Wealth Management Ltd is subject to regulatory oversight by various agencies. These agencies require registration by LifeInvest Wealth Management Ltd and its employees. As a registered entity, LifeInvest Wealth Management Ltd. is subject to examinations by regulators, which may be announced or unannounced. LifeInvest Wealth Management Ltd. is required to periodically update the information provided to these agencies and to provide various reports regarding the business activities and assets of the Advisor. Item 7 – Requirements for State-Registered Advisers N/A