LIFEWORKS ADVISORS, LLC

Form ADV Part 2A Brochure Lifeworks Advisors, LLC 4095 Park East Court, Suite C Grand Rapids, Michigan 49546 Tel: (616) 200-6512 www.lifeworksadvisors.com Effective: September 23, 2025 This Form ADV Part 2A (this “Brochure”) provides information about the qualifications and business practices of Lifeworks Advisors, LLC (“Lifeworks” or the “Advisor”). If you have any questions about the content of this Brochure, please contact Lifeworks at (616) 200-6512. Lifeworks is a registered investment advisor with the U.S. Securities and Exchange Commission (“SEC”). The information in this Brochure has not been approved or verified by the SEC or by any state securities authority. Registration of an investment advisor does not imply any specific level of skill or training. This Brochure provides information about Lifeworks to assist you in determining whether to retain Lifeworks. Certain Advisory Persons of Lifeworks provide advisory services under a practice name or “doing business as” name. However, advisory services are engaged exclusively through Lifeworks. Additional information about Lifeworks and its Advisory Persons is available on the SEC’s website at www.adviserinfo.sec.gov by searching with Lifeworks’ firm name or CRD# 288255.  Item 2 – Material Changes Form ADV 2 is divided into two parts: Part 2A (the “Disclosure Brochure”) and Part 2B (the “Brochure Supplement”). The Disclosure Brochure provides information about a variety of topics relating to an Advisor’s business practices and conflicts of interest. The Brochure Supplement provides information about the Advisory Persons of Lifeworks. For convenience, the Advisor has combined these documents into a single disclosure document. Lifeworks believes that communication and transparency are the foundation of its relationship with clients and will continually strive to provide you with complete and accurate information at all times. Lifeworks encourages all current and prospective clients to read this Disclosure Brochure and discuss any questions you may have with the Advisor. Material Changes The following material changes have been made to the Lifeworks’ Disclosure Brochure since the last annual amendment filing on March 18, 2024: • The Advisor has updated its Financial Planning and Consulting fees. Please see Item 5 for additional information. • The Advisor has amended Item 10 to disclose the temporary dual IAR registration of certain Advisory Persons of the firm. • The Advisor now compensates promoters for client referrals. Please see Item 14 for additional details. • The Advisor has amended Item 10 to add disclosure surrounding the Advisor’s relationship with Vincere Tax, LLC. • The Advisor has amended Item 5 to reflect a new financial planning fee structure. Please see Item 5 for more details. Future Changes From time to time, the Advisor may amend this Disclosure Brochure to reflect changes in business practices, changes in regulations, or routine annual updates as required by the securities regulators. This complete Disclosure Brochure or a Summary of Material Changes shall be provided to you annually and if a material change occurs. At any time, you may view the current Disclosure Brochure online at the SEC’s Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with the Advisor’s firm name or CRD# 288255. You may also request a copy of this Disclosure Brochure at any time by contacting the Advisor at (616) 200-6512. 2 Lifeworks Advisors, LLC | 4095 Park East Ct. Suite C, Grand Rapids, MI 49546 | (616) 200-6512 | www.lifeworksadvisors.com  Item 3 – Table of Contents Item 1 – Cover Page……………...…………………………………………………..……………………...1 Item 2 – Material Changes ....................................................................................................................... 2 Item 3 – Table of Contents ....................................................................................................................... 3 Item 4 – Advisory Services ....................................................................................................................... 4 Item 5 – Fees and Compensation ............................................................................................................. 7 Item 6 – Performance-Based Fees and Side-By-Side Management ...................................................... 10 Item 7 – Types of Clients ........................................................................................................................ 10 Item 8 – Methods of Analysis, Investment Strategies, and Risk of Loss .............................................. 10 Item 9 – Disciplinary Information ......................................................................................................... 16 Item 10 – Other Financial Industry Activities and Affiliations ............................................................ 16 Item 11 – Code of Ethics, Participation or Interest in Client Transactions and Personal Trading .... 17 Item 12 – Brokerage Practices ............................................................................................................... 18 Item 13 – Review of Accounts ................................................................................................................ 20 Item 14 – Client Referrals and Other Compensation ........................................................................... 21 Item 15 – Custody .................................................................................................................................. 22 Item 16 – Investment Discretion ............................................................................................................ 22 Item 17 – Voting Client Securities ......................................................................................................... 22 Item 18 – Financial Information ............................................................................................................ 23 Form ADV Part 2A – Appendix 1 ......................................................................................................... 24 Form ADV Part 2B – Brochure Supplements ....................................................................................... 36 Privacy Policy ........................................................................................................................................124 3 Lifeworks Advisors, LLC | 4095 Park East Ct. Suite C, Grand Rapids, MI 49546 | (616) 200-6512 | www.lifeworksadvisors.com  Item 4 – Advisory Services A. Advisory Firm Lifeworks Advisors, LLC (“Lifeworks” or the “Advisor”) is a registered investment advisor with the U.S. Securities and Exchange Commission (“SEC”), which is organized as a limited liability company (LLC) under the laws of Michigan. Lifeworks was founded in December 2009 and is a wholly-owned subsidiary of Lifeworks Holdings, LLC. Lifeworks is operated by Ron Bullis (Partner) and Kurt Van Dyken (Partner and Chief Compliance Officer, the “CCO”). This Disclosure Brochure provides information regarding the qualifications, business practices, and advisory services provided by Lifeworks. Certain Advisory Persons market and deliver advisory services under a practice name or “doing business as”, whose name and logo may appear on marketing materials as approved by Lifeworks, or client statements approved by the custodian. It is important to note that the businesses are legal entities of the Advisory Persons and not Lifeworks, nor the custodian. However, advisory services are engaged exclusively through Lifeworks. This Disclosure Brochure provides information regarding the qualifications, business practices, and the advisory services provided by Imprint. B. Advisory Services Lifeworks provides wealth management services pursuant to a wealth management agreement (“Wealth Management Agreement”), financial planning and consulting services pursuant to a financial planning agreement (“Financial Planning Agreement”), retirement plan advisory services pursuant to a retirement plan advisory agreement (“Retirement Plan Agreement”) and strategic advice to individuals, high net worth individuals, charitable organizations, trusts, estates, pension and profit sharing plans, and businesses (each referred to as a “Client”). Lifeworks utilizes the services of independent third-party managers for certain Clients. The advisory services offered by Lifeworks are described in further detail below. See Item 8 below for additional details regarding Lifeworks’ investment strategies and related risks. The Advisor serves as a fiduciary to Clients, as defined under the applicable laws and regulations. As a fiduciary, the Advisor upholds a duty of loyalty, fairness, and good faith toward each Client and seeks to mitigate potential conflicts of interest. Lifeworks’ fiduciary commitment is further described in the Advisor’s Code of Ethics. For more information regarding the Code of Ethics, please see Item 11 – Code of Ethics, Participation or Interest in Client Transactions, and Personal Trading. Wealth Management Services Lifeworks provides discretionary wealth management services to its Clients, which generally include discretionary management of investment portfolios in connection with a broad range of comprehensive financial planning and consulting services. These services are described below. Investment Management Services – Lifeworks provides customized investment advisory solutions for its Clients. This is achieved through continuous personal Client contact and interaction while providing discretionary and non-discretionary investment management and related advisory services. Lifeworks works closely with each Client to identify their investment goals and objectives as well as risk tolerance and financial situation in order to create a portfolio strategy. Lifeworks’ investment strategy involves the development of a wealth plan that identifies the Client’s financial and other goals. Lifeworks generally will identify each Client’s goals either (i) using cash flow figures obtained through its financial planning suitability process or (ii) through conversations with each Client. After identifying the Client’s goals, Lifeworks utilizes a risk-based approach in order to build out asset allocation strategies and investment portfolios for its Clients, which often includes 4 Lifeworks Advisors, LLC | 4095 Park East Ct. Suite C, Grand Rapids, MI 49546 | (616) 200-6512 | www.lifeworksadvisors.com  the use of asset allocation models consisting of low-cost, diversified mutual funds and exchange-traded funds (“ETFs”). The Advisor may also utilize third-party managers, individual stocks, bonds, options contracts, and/or alternative investments to meet the needs of its Clients. The Advisor may retain other types of investments from the Client’s legacy portfolio due to fit with the overall portfolio strategy, tax-related reasons, or other reasons as identified between the Advisor and the Client. Lifeworks selects, recommends, and/or retains mutual funds on a fund-by-fund basis and seeks to use non-retail or institutional classes when possible. Due to specific custodial or mutual fund company constraints, material tax considerations, and/or systematic investment plans, Lifeworks may select, recommend, and/or retain a mutual fund share class that has a higher expense ratio than an equivalent share class. Lifeworks will seek to select the lowest cost share class available that is in the best interest of each Client and will ensure the selection aligns with the Client’s financial objectives and state investment guidelines. Use of Independent Managers – Lifeworks may recommend that certain Clients utilize one or more unaffiliated investment managers or investment platforms (collectively “Independent Managers”) for all, or a portion of a Client’s investment portfolio based on the Client’s needs and objectives. In such instances, the Client will be required to enter into an investment management agreement with the Independent Manager setting forth the terms under which the Independent Manager will render investment advisory services. Lifeworks will perform initial and ongoing oversight and due diligence over each Independent Manager to ensure the strategy remains aligned with Clients’ investment objectives, restrictions, and overall best interests. Lifeworks will also assist the Client in the development of the initial investment portfolio recommendations and in managing the ongoing Client relationship between the Client and the Independent Manager. The Client, prior to entering into an agreement with an Independent Manager, will be provided with the Independent Manager's Form ADV Part 2A. Retirement Accounts – When the Advisor provides investment advice to Clients regarding ERISA retirement accounts or individual retirement accounts (“IRAs”), the Advisor is a fiduciary within the meaning of Title I of the Employee Retirement Income Security Act (“ERISA”) and/or the Internal Revenue Code (“IRC”), as applicable, which are laws governing retirement accounts. When deemed to be in the Client’s best interest, the Advisor will provide investment advice to the Client regarding a distribution from an ERISA retirement account or to roll over the assets to an IRA or recommend a similar transaction, including rollovers from one ERISA-sponsored Plan to another, one IRA to another IRA, or from one type of account to another account (e.g., commission-based account to fee-based account). Such a recommendation creates a conflict of interest if the Advisor earns a new (or increases its current) advisory fee as a result of the transaction. No client is under any obligation to roll over a retirement account to an account managed by the Advisor. Financial Planning and Consulting Services Lifeworks provides financial planning and consulting services pursuant to a Financial Planning Agreement entered into with its Clients. These services are typically provided to Clients as part of its wealth management services or on a stand-alone basis. Services are comprehensive in nature, which allows Lifeworks to view the Client’s finances holistically to address several areas of a Client’s financial situation, depending on their goals and objectives. Generally, such financial planning services involve creating a solution-focused approach to financial planning designed to allow the Client to make an informed decision about investment planning, retirement planning, personal savings, education savings, insurance needs, and other areas of a Client’s financial situation. In providing financial planning, Lifeworks will first develop a course of activity for the specific area of the Client’s financial situation. 5 Lifeworks Advisors, LLC | 4095 Park East Ct. Suite C, Grand Rapids, MI 49546 | (616) 200-6512 | www.lifeworksadvisors.com  If the services are ongoing, Lifeworks will monitor the activities on an ongoing basis to ensure that the financial planning services are continuing to meet the Client’s goals and objectives and will develop updated recommendations as needed. Lifeworks does not have the discretionary authority to implement financial planning recommendations pursuant to a Financial Planning Agreement. For the implementation of investment recommendations by Lifeworks, Clients must also enter into a Wealth Management Agreement with Lifeworks. Lifeworks may work with Clients’ accountants, attorneys, or other specialists as appropriate for their unique situation. By working with this network of skilled professionals, Lifeworks leverages these unique insights to provide solutions that comprehensively address Clients’ financial situations and help to reach their goals and objectives. Financial planning and consulting recommendations pose a conflict of interest because Lifeworks has an incentive to recommend that Clients engage Lifeworks for investment management services or to increase the level of investment assets with Lifeworks, as it would increase the amount of advisory fees paid to Lifeworks. Clients are not obligated to implement any recommendations made by Lifeworks or maintain an ongoing relationship with Lifeworks. If the Client elects to act on any of the recommendations made by Lifeworks, the Client is under no obligation to implement the transaction(s) through Lifeworks. Retirement Plan Advisory Services Lifeworks provides retirement plan advisory services on behalf of the retirement plans (each a “Plan”) and the company sponsoring the Plan (the “Plan Sponsor”) pursuant to a Retirement Plan Agreement. Lifeworks’ retirement plan advisory services are designed to assist the Plan Sponsor in meeting its fiduciary obligations to the Plan and its plan participants. Each engagement is customized to the needs of the Plan and Plan Sponsor, and services generally include: Investment policy statement (“IPS”) design Investment Oversight (ERISA 3(21)) • • • Ongoing Investment review and recommendations • Fee analysis • Participant education consulting • Fiduciary file These services are provided by Lifeworks serving in the capacity of a fiduciary under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”). In accordance with ERISA Section 408(b)(2), the Plan Sponsor is provided with a written description of Lifeworks’ fiduciary status, the specific services to be rendered, and all direct and indirect compensation Lifeworks reasonably expects under the engagement. C. Client Account Management Prior to engaging Lifeworks, each Client is required to enter into one or more agreements depending on the services selected by the Client. As described in Item 4.B. above, Lifeworks tailors its advisory services to the individual needs of Clients. Wealth management Clients may impose restrictions on investing in certain securities or types of securities, as set forth in each Client’s applicable Wealth Management Agreement. D. Wrap Fee Programs For many discretionary wealth management clients, Lifeworks delivers its services through a wrap-fee program. Under this program, Lifeworks pays from its advisory fee the Client’s cost of certain brokerage and other expenses. This includes securities transaction fees, securities transaction fees for 6 Lifeworks Advisors, LLC | 4095 Park East Ct. Suite C, Grand Rapids, MI 49546 | (616) 200-6512 | www.lifeworksadvisors.com  certain mutual funds, custodial costs, administrative fees, fees for options contracts, transaction fees for alternative investments, and other fees and expenses (“Covered Costs”). Depending on the level of trading for the Client’s account in a particular year, the Client may pay more or less in total fees than if the Client paid its own transaction fees. Including these fees into a single asset-based fee is considered a “wrap fee program” (referred to herein as the “Wrap Program”). For more information, please see Lifework’s Wrap Fee Program Brochure, which is included as a supplement to this Disclosure Brochure. To the extent an account is not part of our Wrap Program, such as for certain legacy clients, the Client will be subject to brokerage and custodial expenses in addition to our Advisory Fee. E. Assets Under Management As of December 31, 2024, Lifeworks manages $742,298,024 in Client assets, $688,973,811 of which are managed on a discretionary basis and $53,324,213 on a non-discretionary basis. Item 5 – Fees and Compensation A. Fee Schedule; Billing; Advance Payments and Refunds Wealth Management Services Lifeworks provides customized investment advisory services on a discretionary basis to its Clients pursuant to a Wealth Management Agreement. Such Clients are charged a management fee for such services (the “Advisory Fee”). The Advisory Fee ranges up to 1.50% annually of the assets under management the Client has with Lifeworks. The Advisory Fee is payable monthly in advance based on the market value of each Client’s account as of the last business day of the prior month. The Advisory Fee for the initial month is calculated on a pro-rata basis commencing on the date assets are designated to Lifeworks for management under the Wealth Management Agreement. The Advisory Fee is negotiable. Client’s fees will take into consideration the aggregate assets under management with the Advisor. All securities held in accounts managed by Lifeworks will be independently valued by the Custodian. The Advisor will conduct periodic reviews of the Custodian’s valuation to ensure accurate billing. Investment advisory fees are calculated by the Advisor or its delegate and deducted from the Client’s account[s] at the Custodian. The Advisor shall send an invoice to the Custodian indicating the amount of the fees to be deducted from the Client’s account[s] at the beginning of the respective month. The amount due is calculated by applying the annual rate (annual rate divided by 12) to the total assets under management with Lifeworks at the end of the prior month. Clients will be provided with a statement, at least quarterly, from the Custodian reflecting the deduction of the investment advisory fee. Clients are urged to also review and compare the statement provided by the Advisor to the brokerage statement from the Custodian, as the Custodian does not perform a verification of fees. Clients provide written authorization permitting advisory fees to be deducted by Lifeworks to be paid directly from their account[s] held by the Custodian as part of the investment advisory agreement and separate account forms provided by the Custodian. When executing a Wealth Management Agreement, Clients may select whether to pay the Advisory Fee by ACH payment, credit card, or by the custodian deducting the fee from their account, each of which must be paid on a monthly basis within 30 days of the invoice. Third-party software unaffiliated with Lifeworks processes ACH or credit card payments. Lifeworks has established information barriers and procedures to ensure that Lifeworks does not have access to Client payment-related information. In addition, Lifeworks’ affiliate has encrypted and masked the Client payment data. The data maintained by our affiliate is insufficient to gain access or control over the Client payment data such that Lifeworks would be deemed to have custody of such information. 7 Lifeworks Advisors, LLC | 4095 Park East Ct. Suite C, Grand Rapids, MI 49546 | (616) 200-6512 | www.lifeworksadvisors.com  Clients or Lifeworks may terminate the Wealth Management Agreement at any time by providing advance written notice. Any prepaid but unearned Advisory Fees will be returned to the Client, calculated on a daily prorated basis. Where Client removes Lifework’s authority with respect to an account directly through the account’s custodian, rather than notifying Lifeworks directly, the date of termination shall not be earlier than the date upon which Lifeworks became aware of the termination. Use of Independent Managers – As noted in Item 4 above, Lifeworks may utilize one or more Independent Managers. Lifeworks does not earn any compensation from its use of an Independent Manager for Client accounts. Independent Managers typically do not offer any fee discounts but may have a breakpoint schedule that will reduce their fee with an increased level of assets placed under management with them. The terms of such fee arrangements are included in each Independent Manager’s Form ADV Part 2A and applicable contract(s) between the Client and the Independent Manager. Lifeworks and the Independent Manager will each assume the responsibility for calculating and deducting their respective fees from the Client’s account(s). The Independent Manager’s fee will be paid by Lifeworks from its Advisory Fee unless otherwise agreed upon. The terms relating to the termination of an advisory agreement with an Independent Manager will be set forth in the applicable agreement(s) between the Client and the Independent Manager and may vary. Lifeworks will assist the Client with the termination and transition as appropriate. Financial Planning and Consulting Services Lifeworks offers standalone financial planning services for a fixed engagement fee. The financial planning fee (“FP Fee”) charged by Lifeworks varies depending on whether the services rendered to the Client are project-based or ongoing. The FP Fee is either: (1) A one-time non-refundable onboarding fee of up to $9,600, which will be invoiced in monthly installments over the course of the first 12 months of the engagement. Subsequent years, clients will incur a fixed monthly fee ranging up to $800, collected monthly in advance. (2) A one-time project-based fee ranging up to $30,000. One-time fees may be collected up to 50% in advance, with the remainder being invoiced upon delivery. The FP Fee is negotiable and may be adjusted upon the advance written notice to the Client. An estimate for total costs will be determined prior to Clients engaging in these services. When executing a Financial Planning Agreement, Clients may select whether to pay the FP Fee by ACH payment, credit card, or by the custodian deducting the fee from their wealth management account (to the extent applicable), each of which must be paid monthly in advance. Clients or Lifeworks may terminate the Financial Planning Agreement at any time by providing advance written notice. Lifeworks will refund any unearned, prepaid FP Fees from the effective date of termination to the end of the month. Lifeworks requires an advance deposit for its financial planning and consulting services, as described above. Either party may terminate the financial planning agreement, at any time, by providing advance written notice to the other party. The Client may also terminate the financial planning agreement within five (5) business days of signing the Advisor’s agreement at no cost to the Client. After the five-day period, the Client will incur charges for bona fide advisory services rendered to the point of termination, and such fees will be due and payable by the Client. Upon termination, the Client shall be billed the percentage of the engagement scope completed by the Advisor. Upon termination, the Advisor will refund any unearned, prepaid planning fees from the effective date of termination to the end of the month. The Client’s financial planning agreement with the Advisor is non-transferable without the Client’s prior consent. 8 Lifeworks Advisors, LLC | 4095 Park East Ct. Suite C, Grand Rapids, MI 49546 | (616) 200-6512 | www.lifeworksadvisors.com  Retirement Plan Advisory Services Clients receiving retirement plan advisory services are charged either an annual asset-based fee up to 0.80% or an annual fixed fee ranging up to $30,000 (“RPA Fees”), pursuant to the terms of the Retirement Plan Agreement. RPA Fees are billed quarterly in advance, are based on the market value of assets under management at the end of the prior quarter and are negotiable. RPA Fees are either directly invoiced to the Plan Sponsor or deducted from the assets of the Plan, depending on the terms of the Retirement Plan Agreement. Lifeworks will provide the Plan with a written invoice itemizing the RPA Fee, including the calculation period covered by the RPA Fee, the account value, and the methodology used to calculate the RPA Fee. RPA Fees are billed quarterly in advance. Lifeworks is compensated for its retirement plan advisory services in advance of the month in which services are rendered. Either party may terminate the Retirement Plan Agreement at any time by providing written notice to the other party. The Client shall be responsible for RPA Fees up to and including the effective date of termination. The Plan may terminate within five (5) business days of signing the Retirement Plan Agreement at no cost to the Plan. After the five-day period, the Plan will be responsible for fees up to and including the effective date of termination. Lifeworks will refund any unearned, prepaid RPA Fees. The Client’s Retirement Plan Agreement with Lifeworks is non- transferable without the Client’s prior consent. B. Other Fees and Expenses Clients may incur certain fees or expenses imposed by third parties in connection with investments made on behalf of the Client’s account(s). For our Wrap Program Clients, Lifeworks includes the Covered Costs as part of its overall investment Advisory Fee through the Lifeworks Wrap Fee Program. Other costs assessed by the custodian or other parties for account-related activity fees, such as wire transfer fees, fees for trades executed away from the custodian, and other fees, are not included in Covered Costs. Securities transaction fees for Client-directed trades will be charged back to the Client. Please see Item 4.D. above as well as Appendix 1 – Wrap Fee Program Brochure. To the extent an account is not part of our Wrap Program, such as for certain legacy clients, the Client will be subject to brokerage and custodial expenses in addition to our Advisory Fee. In addition to the Advisory Fee, Clients will be responsible for expenses charged by mutual funds and exchange-traded funds to their shareholders, if applicable. These fees and expenses are described in each fund’s prospectus and will generally be used to pay management fees for the funds, other fund expenses, account administration (e.g., custody, brokerage, and account reporting), and a possible distribution fee. Lifeworks does not control nor share in these fees. A Client may be able to invest directly, without the services of Lifeworks, but would not receive the services provided by Lifeworks, which are designed, among other things, to assist the Client in determining which products or services are most appropriate for each Client’s financial situation and objectives. Accordingly, the Client should review both the fees charged by the funds and the fees charged by Lifeworks to fully understand the total fees to be paid. As mentioned in Item 4.B. above, the Client may be invested into share classes of a mutual fund that have a higher expense ratio than a different share class, including but not limited to 12B-1 fees. This may result in Clients paying higher expense ratio[s]. Lifeworks uses its best efforts to purchase lower- cost fund shares but, in certain instances, cannot because the fund does not offer an institutional class. In addition, certain legacy client positions may not always be held in the lowest fee share class. For a complete discussion of expenses related to each mutual fund, please read a copy of the prospectus issued 9 Lifeworks Advisors, LLC | 4095 Park East Ct. Suite C, Grand Rapids, MI 49546 | (616) 200-6512 | www.lifeworksadvisors.com  by that particular fund. Please review Item 12 for additional information on Lifeworks’ brokerage practices. C. Compensation for Sales of Securities Lifeworks does not buy or sell securities to earn commissions and does not receive any compensation for securities transactions in any Client account other than the investment advisory fees noted above. Item 6 – Performance-Based Fees and Side-By-Side Management Performance-Based Fees Lifeworks does not charge performance-based fees for its investment advisory services. The fees charged by Lifeworks are as described in Item 5 above and are not based upon the capital appreciation of the funds or securities held by any Client. Lifeworks does not manage any proprietary products and has no financial incentive to recommend any particular investment options to its Clients. Side-by-Side Management In some cases, Lifeworks manages Clients with the same or similar strategies. This may give rise to conflicts of interest if the Clients have, among other things, different objectives or fees. For example, conflicts may arise in the following areas: Client orders do not get fully executed; trades may get executed for an account that may adversely impact the value of securities held by a Client; there will be cases where certain Clients receive an allocation of an investment opportunity when other accounts may not; and/or trading and securities selected for a particular Client may cause differences in the performance of different accounts that have similar objectives. Lifeworks has adopted policies and procedures designed to treat accounts equitably regardless of the fee arrangement. In addition, we have adopted trading practices designed to address potential conflicts of interest inherent in proprietary and/or client discretionary trading. During periods of unusual market conditions, Lifeworks may deviate from its normal trade allocation practices. There can be no assurance, however, that all conflicts have been addressed in all situations. Item 7 – Types of Clients Lifeworks offers investment advisory services to individuals, high-net-worth individuals, charitable organizations, trusts, estates, pension and profit-sharing plans, and businesses. Lifeworks does not impose requirements to open or maintain an account and does not impose a minimum account size. Item 8 – Methods of Analysis, Investment Strategies, and Risk of Loss A. Methods of Analysis and Investment Strategies Lifeworks’ investment strategy for its wealth management Clients involves the development of a wealth plan that identifies Clients’ financial and other goals. After identifying the Client’s goals, Lifeworks utilizes a planning-based approach to investing if the Client is primarily interested in matching future liabilities with financial assets. Else, if the Client is strictly interested in the management of their investable assets, Lifeworks utilizes a classic risk-based approach to investing in order to build out investment portfolios for its Clients. Lifeworks’ planning-based approach to investing is sequential. Once an investment plan for a Client has been developed, Lifeworks uses the Client’s expected cash flow needs over future years to calculate dollar amounts to be allocated to several risk groups (“Tranches”). Nearer-term cash flow needs constitute lower Tranches that are associated with lower investment risk, and longer-term cash flow needs constitute higher Tranches that are associated with higher investment risk. To each Tranche corresponds a strategy or a group of strategies that are deemed to bear a risk level similar to the Tranche’s appropriate risk. Each strategy will mainly consist of products in equity and 10 Lifeworks Advisors, LLC | 4095 Park East Ct. Suite C, Grand Rapids, MI 49546 | (616) 200-6512 | www.lifeworksadvisors.com  fixed-income asset classes in order to achieve the Client’s investment goals. Lifeworks generally utilizes seven different models for its Clients, including three factor-based core equity strategies, three factor- based ETF strategies, and a hedged model. The equity strategies (which include the diversified premia strategy, the quality strategy, and the opportunity strategy) provide U.S. large-cap equity exposure and seek to capture the combined benefits of smart beta and factor investing. The ETF strategies are similar to the equity strategies in that they are factor-based, and the hedged model utilizes the diversified premia strategy and put contracts. Lifeworks may allocate portions of a Clients’ accounts to Independent Managers. Lifeworks may select, recommend and/or retain mutual funds. Lifeworks uses its best efforts to purchase lower-cost fund shares but, in certain instances, cannot because the fund does not offer an institutional class. In addition, certain legacy client positions may not always be held in the lowest fee share class. Lifeworks uses quantitative and fundamental research approaches to select holdings within each strategy. Lifeworks analyzes both the performance of individual securities as well as how they fit into the broader strategy. Lifeworks uses micro and macro data research to evaluate the historical performance of an asset and test assumptions about the expected risk-adjusted return of an asset for future years. In particular, Lifeworks utilizes factor investing and smart beta techniques. Lifeworks utilizes economic and business indicators as investment selection criteria. These criteria are generally ratios and trends that may indicate the overall strength and financial viability of the entity being analyzed. Assets are deemed suitable if they meet certain criteria to indicate that they are a strong investment with a value discounted by the market. While this type of analysis helps Lifeworks in evaluating a potential investment, it does not guarantee that the investment will increase in value. Assets meeting the investment criteria utilized in the fundamental analysis may lose value and may have negative investment performance. Lifeworks monitors these economic indicators to determine if adjustments to strategic allocations are appropriate. More details on Lifeworks’ review process are included in Item 13 below. Lifeworks’ strategies allocate assets among stocks, mutual funds, exchange- traded funds (“ETFs”), individual equities, options contracts, bonds, certificates of deposit, and other securities. Lifeworks’ risk-based approach to investing is more traditional and consists of a conversation with the Client designed to assess their risk tolerance followed by an allocation to an appropriate mix of Lifeworks’ strategies. Lifeworks may retain certain legacy investments based on portfolio fit and/or tax considerations. Lifeworks’ investment approach is primarily long-term focused but may buy, sell, or re-allocate positions that have been held less than one year to meet the objectives of the Client or due to market conditions. Each Client will have the opportunity to place reasonable restrictions on the types of investments to be held in their respective portfolio, subject to acceptance by Lifeworks. Lifeworks takes a systematic approach to rebalancing a Client’s portfolio, which involves managing risk while also maintaining the Client’s asset allocation model. Lifeworks may recommend 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 the investment plan or the risk tolerance of the Client, generating cash to meet Client needs, or any risk deemed unacceptable for the Client’s risk tolerance. As noted above, Lifeworks generally employs a long-term investment strategy for its Clients, as consistent with their financial goals. Lifeworks will typically hold all or a portion of a security for more than a year but may hold for shorter periods for the purpose of rebalancing a portfolio or meeting the cash needs of Clients. At times, Lifeworks may also buy and sell positions that are more short-term in nature, depending on the goals of the Client and/or the fundamentals of the security, sector, or asset 11 Lifeworks Advisors, LLC | 4095 Park East Ct. Suite C, Grand Rapids, MI 49546 | (616) 200-6512 | www.lifeworksadvisors.com  class. B. Risk of Loss Investing in securities involves the risk of loss that Clients should be prepared to bear. Securities may fluctuate in value or lose value. Lifeworks will assist Clients in determining an appropriate strategy based on their tolerance for risk and other factors, as noted above. However, there is no guarantee that a Client will meet their investment goals. While the methods of analysis help Lifeworks in evaluating a potential investment, it does not guarantee that the investment will increase in value. Assets meeting the investment criteria utilized in these methods of analysis may lose value and may have negative investment performance. Lifeworks monitors these economic indicators to determine if adjustments to strategic allocations are appropriate. More details on Lifeworks’ review process are included in Item 13 below. Each Client engagement will entail a review of the Client's investment goals, financial situation, time horizon, tolerance for risk, and other factors to develop an appropriate strategy for managing a Client’s account. Client participation in this process, including full and accurate disclosure of requested information, is essential for the analysis of a Client’s account(s). Lifeworks relies on financial and other information provided by the Client or their designees without the duty or obligation to validate the accuracy and completeness of the provided information. It is the responsibility of the Client to inform Lifeworks of any changes in financial condition, goals, or other factors that may affect this analysis. The risks associated with a particular strategy are provided to each Client in advance of investing Client accounts. Lifeworks will work with each Client to determine their tolerance for risk as part of the portfolio construction process. Below are some of the risks associated with Lifeworks’ investment approach: Market Risks The value of a Client’s holdings may fluctuate in response to events specific to companies or markets, as well as economic, political, or social events in the U.S. and abroad. This risk is linked to the performance of the overall financial markets. The profitability of a significant portion of a Client’s investment program depends to a great extent upon correctly assessing the possible future course of the price movements of securities and other investments. There can be no assurance that Lifeworks will be able to predict these price movements accurately. Although Lifeworks may attempt to mitigate market risk, there is always some, and occasionally a significant, degree of market risk. Investment and Trading Risks All investments risk the loss of capital. Lifeworks believes that its research techniques will moderate this risk through a careful selection of securities. However, no guarantee or representation is made that a Client’s investment program will be successful or that the Client will not incur losses. Each Client’s investment program will likely utilize investment techniques that, in practice, can, in certain circumstances, increase the adverse impact to which the Client may be subject. In certain transactions, a Client will not be “hedged” (or fully hedged) against market fluctuations (or other risks) or, in reorganization or liquidation situations, will likely not accurately value the assets of the subject issuer or the degree of legal and regulatory risk associated with investments in the securities of issuers in such situations. This can result in losses, even if the proposed transaction is consummated. Lifeworks will attempt to assess the foregoing risk factors and others in determining the extent of the position it will take in the relevant securities and other financial instruments and the price it is willing to pay for such securities or instruments. However, such risks cannot be eliminated. Investment Analysis When assessing investment opportunities, Lifeworks relies on resources that will likely have limited or 12 Lifeworks Advisors, LLC | 4095 Park East Ct. Suite C, Grand Rapids, MI 49546 | (616) 200-6512 | www.lifeworksadvisors.com  incomplete information. In particular, Lifeworks relies on publicly available information and data filed with various government regulators or made directly available to Lifeworks by the issuers of securities or through sources other than the issuers. Although Lifeworks expects that it will evaluate information and data as it deems appropriate and will seek independent corroboration when reasonably available, Lifeworks will not evaluate all publicly available information and data and is not in a position to confirm the completeness, genuineness or accuracy of the information and data that it evaluates. As a result, there can be no assurance that the due diligence exercise carried out by Lifeworks will reveal or highlight all relevant facts that may be necessary or helpful in evaluating investment opportunities. Any failure to have identified the relevant facts will likely result in an inappropriate investment decision, which will likely have a material adverse effect on the value of any investment of a Client. Systems Risk Lifeworks relies on computer programs and systems in its proprietary modeling to evaluate securities, monitor its portfolios, and generate reports that are critical to oversight of its activities. In addition, certain systems are operated by third parties, including counterparties and service providers. These programs, whether operated by Lifeworks or a third party, may be subject to defects, failure, and interruptions, including, but not limited to, those caused by computer “worms,” viruses, and power failures. Any such defect or failure could cause the settlement of trades to fail, lead to inaccurate accounting, recording, or processing of trades, and cause inaccurate reports, which may affect Lifeworks’ ability to monitor Client accounts and risks. Cybersecurity Lifeworks’ information and technology systems may be vulnerable to damage or interruption from computer viruses, network failures, computer and telecommunication failures, infiltration by unauthorized persons and security breaches, usage errors by its professionals, power outages, and catastrophic events such as fires, tornadoes, floods, hurricanes, and earthquakes. Although Lifeworks has implemented various measures to protect the confidentiality of its internal data and to manage risks relating to these types of events, if these systems are compromised, become inoperable for extended periods of time, or cease to function properly, Lifeworks will likely have to make a significant investment to fix or replace them. The failure of these systems and/or of disaster recovery plans for any reason could cause significant interruptions in Lifeworks’ operations and result in a failure to maintain the security, confidentiality, or privacy of sensitive data, including personal information relating to Clients. Such a failure could harm Lifeworks’ reputation or subject it or its affiliates to legal claims and otherwise affect their business and financial performance. Lifeworks will seek to notify affected Clients of any known cybersecurity incident that will likely pose a substantial risk of exposing confidential personal data about such Clients to unintended parties. Pandemic Risks An outbreak of disease or similar public health threat or fear of such an event could have a material adverse impact on the performance of client accounts. In addition, outbreaks of disease could result in increased government restrictions and regulations, including quarantines, which could adversely affect Lifeworks’ operations. In December 2019, a novel strain of coronavirus (“COVID-19”) was reported in Wuhan, China. The World Health Organization declared COVID-19 to constitute a "Public Health Emergency of International Concern" and a pandemic. The U.S. government has also implemented enhanced screenings, quarantine requirements, and travel restrictions in connection with the COVID- 19 outbreak. As of the date of this Brochure, the COVID-19 pandemic has significantly and negatively impacted the global economy, disrupted global supply chains, and created significant volatility and disruption of financial markets. The extent of the impact of the COVID-19 pandemic on the financial performance of Client accounts, including Lifeworks’ ability to execute Clients’ investment strategies in the expected time frame, will depend on future developments, including the duration and spread of the pandemic and the impact of the pandemic on local, national and global financial markets, all of 13 Lifeworks Advisors, LLC | 4095 Park East Ct. Suite C, Grand Rapids, MI 49546 | (616) 200-6512 | www.lifeworksadvisors.com  which are uncertain and cannot be predicted. An extended period of global supply chain and economic disruption could materially affect the performance of Client accounts, results of operations, access to sources of liquidity, and financial condition. Equity Investing Risks A portfolio may be sensitive to stock market volatility, and the stocks in which a portfolio is invested may be more (or less) volatile than the stock market as a whole. The value of equity investments and related instruments may decline in response to conditions affecting the general economy; overall market changes; local, regional, or global political, social, or economic instability; currency, interest rate, and commodity price fluctuations; or issuer- or sector-specific events. Market conditions may affect certain types of securities to a greater extent than other types of securities. If the stock market declines, the value of a stock portfolio will also likely decline, and although stock values may rebound, there is no assurance that they will return to previous levels. Preferred stocks may also be sensitive to changes in interest rates, typically falling in value when rates rise. Municipal Bond Market Risk The amount of public information available about municipal bonds is generally less than that for corporate equities or bonds, and the investment performance of a client portfolio may be more dependent on the research capabilities of Lifeworks. The secondary market for municipal bonds also tends to be less well-developed and less liquid than many other securities markets, which may adversely affect the ability to sell bonds at attractive prices. In addition, municipal obligations can experience downturns in trading activity, and the supply of municipal obligations may exceed the demand in the market, or demand can exceed supply. During such periods, the spread can widen between the price at which an obligation can be purchased and the price at which it can be sold. Less liquid obligations can become more difficult to value and be subject to erratic price movements. The increased presence of non-traditional participants in the municipal markets may lead to greater volatility in the markets. Bond Risks Bonds are subject to specific risks, including the following: (1) interest rate risks, i.e., the risk that bond prices will fall if interest rates rise, and vice versa; the risk depends on two things, the bond's time to maturity, and the coupon rate of the bond. (2) reinvestment risk, i.e., the risk that any profit gained must be reinvested at a lower rate than was previously being earned, (3) inflation risk, i.e., the risk that the cost of living and inflation increase at a rate that exceeds the income investment thereby decreasing the investor’s rate of return, (4) credit default risk, i.e., the risk associated with purchasing a debt instrument which includes the possibility of the company defaulting on its repayment obligation, (5) rating downgrades, i.e., the risk associated with a rating agency’s downgrade of the company’s rating which impacts the investor’s confidence in the company’s ability to repay its debt and (6) Liquidity Risks, i.e., the risk that a bond may not be sold as quickly as there is no readily available market for the bond. Options Contracts Lifeworks may utilize options for certain of its Clients in furtherance of its investment strategy. Options positions may include both long positions, where Lifeworks is the holder of put or call options, as well as short positions, where Lifeworks is the seller (writer) of an option. Although option techniques can increase investment return, they can also involve a higher level of risk compared with their underlying securities. Investments in options contracts have the risk of losing value in a relatively short period of time. Options contracts are leveraged instruments that allow the holder of a single contract to control many shares of an underlying stock. This leverage can compound gains or losses. See below for the risks particular to put options and call options. 14 Lifeworks Advisors, LLC | 4095 Park East Ct. Suite C, Grand Rapids, MI 49546 | (616) 200-6512 | www.lifeworksadvisors.com  Put Options There are risks associated with the sale and purchase of put options. The seller (writer) of a put option that is covered (e.g., the writer has a short position in the underlying security) assumes the risk of an increase in the market price of the underlying security above the sales price (in establishing the short position) of the underlying security plus the premium received and gives up the opportunity for gain on the underlying security below the exercise price of the option. If the seller of the put option owns a put option covering an equivalent number of shares with an exercise price equal to or greater than the exercise price of the put written, the position is “fully hedged” if the option owned expires at the same time or later than the option written. The seller of an uncovered put option assumes the risk of a decline in the market price of the underlying security below the exercise price of the option. The buyer of a put option assumes the risk of losing its entire investment in the put option. Call Options There are risks associated with the sale and purchase of call options. The seller (writer) of a call option that is covered (e.g., the writer holds the underlying security) assumes the risk of a decline in the market price of the underlying security below the purchase price of the underlying security less the premium received and gives up the opportunity for gain on the underlying security above the exercise price of the option. If the seller of the call option owns a call option covering an equivalent number of shares with an exercise price equal to or less than the exercise price of the call written, the position is “fully hedged” if the option owned expires at the same time or later than the option written. The seller of an uncovered call option assumes the risk of a theoretically unlimited increase in the market price of the underlying security above the exercise price of the option. The buyer of a call option assumes the risk of losing its entire investment in the call option. Short Sales A short sale involves the sale of a security that the Client does not own in the hope of purchasing the same security at a later date at a lower price. To make delivery to the buyer, the Client must borrow the security and is obligated to return the security to the lender, which is accomplished by a later purchase of the security. The Client realizes a profit or a loss as a result of a short sale if the price of the security decreases or increases respectively between the date of the short sale and the date on which the Client covers its short position, i.e., purchases the security to replace the borrowed security. A short sale involves the theoretically unlimited risk of an increase in the market price of the security that would result in a theoretically unlimited loss. There can be no assurance that securities necessary to cover a short position will be available for purchase. ETF Risks ETFs are generally structured to invest in all or a representative sample of the securities that generally replicate the price and yield performance of an underlying market index or sector such as a broad stock market, industry sector, domestic or international equity or fixed income, or U.S. or foreign government bond. ETF shares are traded on stock exchanges and markets at open market prices that generally track the net asset value per share of the ETF. Direct issuances and redemption of ETF shares at the ETF’s net asset value per share only occur in large blocks (or creation units) transacted between the ETF and authorized institutional purchasers on an in-kind basis. An exchange-traded sector fund may be adversely affected by the performance of that specific sector or group of industries on which it is based. International investments may involve risk of capital loss from unfavorable fluctuations in currency values, differences in generally accepted accounting principles, or economic and/or political instability in other nations and/or other factors. Although index-based ETFs are designed to provide investment results that generally correspond to the price and yield performance of their respective underlying indices, ETFs may not be able to replicate exactly the performance of the indices because of their 15 Lifeworks Advisors, LLC | 4095 Park East Ct. Suite C, Grand Rapids, MI 49546 | (616) 200-6512 | www.lifeworksadvisors.com  expenses and other factors. ETF shares may trade at either a discount or premium to their underlying net asset value. The purchase or sale of ETF shares on the secondary market involves the payment of brokerage commissions, and the purchase and redemption of creation units involve other transaction costs and brokerage commissions. Investors in ETFs also directly bear the ETF’s costs associated with its payment of investment management fees and fees for administrative, custodial, or other services, and thus Clients will indirectly incur an additional layer of fees and expenses. In addition, ETFs have a trading risk based on the loss of cost efficiency if the ETFs are traded actively and a liquidity risk if the ETFs have a large bid-ask spread and low trading volume. Mutual Fund Risks The performance of mutual funds is subject to market risk, including the possible loss of principal. The price of the mutual funds will fluctuate with the value of the underlying securities that make up the funds. The price of a mutual fund is typically set daily; therefore, a mutual fund purchased at one point in the day will typically have the same price as a mutual fund purchased later that same day. Investing in a mutual fund exposes a Client's account to all of the risks of the mutual fund’s investments and subjects it to a pro-rata portion of the mutual fund’s fees and expenses. As a result, the cost of investing in a mutual fund may exceed the cost of investing directly in each of the mutual fund’s positions. Alternative Investments (Limited Partnerships) The performance of alternative investments (limited partnerships) can be volatile and may have limited liquidity. An investor could lose all or a portion of their investment. Such investments often have concentrated positions and investments that may carry higher risks. Clients should only have a portion of their assets in these investments. Digital Assets Risks Digital assets are highly speculative and volatile investments that may become illiquid at any time. Digital assets are loosely regulated. A Client could lose the entire value of their investment in digital assets and is only suitable for Clients with a high risk tolerance. Past performance is not a guarantee of future returns. Investing in securities and other investments involves a risk of loss that each Client should understand and be willing to bear. Clients are reminded to discuss these risks with Lifeworks and other professional advisors. Item 9 – Disciplinary Information Item 9 is not applicable to us as we have no reportable material, legal, or disciplinary events. Lifeworks values the trust Clients place in us. Lifeworks encourages Clients to perform the requisite due diligence on any adviser or service provider that the Client engages. The backgrounds of Lifeworks and its representatives are on the Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with Lifeworks’ firm name or CRD# 288255. Item 10 – Other Financial Industry Activities and Affiliations In addition to the information set forth below, Lifeworks’ parent company wholly owns an entity that provides software services to Lifeworks and its Clients. The software company maintains the Client portal where Clients can access various reports and portfolio holdings information. Insurance Agency Affiliations Certain Supervised Persons of Lifeworks are also licensed insurance professionals. Implementations of insurance recommendations are separate and apart from one’s role with Lifeworks and are not made by Lifeworks. These Supervised Persons will receive customary commissions and other related revenues from the various insurance companies whose products they sell. Such Supervised Persons and their 16 Lifeworks Advisors, LLC | 4095 Park East Ct. Suite C, Grand Rapids, MI 49546 | (616) 200-6512 | www.lifeworksadvisors.com  related activities are described in further detail in the Form ADV Part 2B Brochure Supplements, which are included with this Disclosure Brochure. Supervised Persons are not required to offer the products of any particular insurance company. This practice presents a conflict of interest and gives such Supervised Persons an incentive to recommend insurance products based on the compensation received rather than on a Client’s needs. Supervised Persons will only recommend insurance products to Clients if they believe such products are suitable for the Client, and Clients are under no obligation to implement any recommendations made by such Supervised Persons or Lifeworks. Clients have the option to purchase investment products that Lifeworks or its Supervised Persons recommend through other brokers or agents that are not affiliated with Lifeworks. Commissions generated by insurance sales do not offset any fees payable to Lifeworks by Clients. Use of Independent Managers As noted in Item 4 above, Lifeworks may recommend to a Client that all or a portion of their investment account[s] be managed by one or more Independent Managers. Lifeworks does not receive any compensation for the use of an Independent Manager. Lifeworks Tax Services, LLC Lifeworks offers tax preparation and filing services to its Clients through Lifeworks Tax Services, LLC (“Lifeworks Tax Services”), a wholly-owned subsidiary of Lifeworks Holdings, LLC (“Lifeworks Holdings”). Tax preparation services are separate and distinct from advisory services offered to Clients and are provided for a separate service and fee. Compensation earned from tax preparation services is separate and in addition to the Advisor’s advisory fees. Clients are under no obligation to utilize the tax preparation services provided by Lifeworks Tax Services. Vincere Tax, LLC Certain Supervised Persons of Lifeworks also have ownership in Vincere Tax, LLC (“Vincere Tax”). Lifeworks Tax Services partners with Vincere Tax to provide tax preparation and filing services to its Clients. Vincere Tax and Lifeworks Tax Services are not affiliated entities. Tax preparation services are separate and distinct from advisory services offered to Clients and are provided for a separate service and fee. Compensation earned from tax preparation services is separate and in addition to the Advisor’s advisory fees. Clients are under no obligation to utilize the tax preparation services provided by Vincere Tax. Verve Technologies, LLC Lifeworks provides proprietary software to its Clients through Verve Technologies, LLC dba Lifeworks Software, a wholly-owned subsidiary of Lifeworks Holdings. Lifework’s proprietary software is provided to all Clients. Clients are not charged additional fees for access to Lifework’s proprietary software. Lifeworks IP, LLC Lifeworks, IP, LLC (“Lifeworks IP”) is a wholly owned wholly-owned subsidiary of Lifeworks Holdings. Lifework’s proprietary software is provided to all Clients. Lifeworks IP is an entity that owns Lifeworks’ intellectual property. Item 11 – Code of Ethics, Participation or Interest in Client Transactions and Personal Trading Lifeworks has adopted a Code of Ethics (the “Code”) as required by Rule 204A-1 under the Advisers Act, which sets forth certain standards of business conduct that govern the personal investment activities of Supervised Persons of Lifeworks and obligates Lifeworks and its Supervised Persons to put the interests of the Clients before their own interests and to act honestly and fairly in all respects in their dealings with the Clients. In addition, all Supervised Persons of Lifeworks are required to comply with 17 Lifeworks Advisors, LLC | 4095 Park East Ct. Suite C, Grand Rapids, MI 49546 | (616) 200-6512 | www.lifeworksadvisors.com  applicable federal securities laws. The Code is available to any Client or prospective Client upon request. Lifeworks does not act as a principal in any transaction, the general partner of a fund, or advise an investment company. Lifeworks does not have a material interest in any securities traded in Client accounts. Lifeworks allows Supervised Persons to purchase or sell the same securities that may be recommended to and purchased on behalf of Clients. Owning the same securities that are recommended (to purchase or sell) to Clients presents a conflict of interest that, as fiduciaries, must be disclosed to Clients and mitigated through policies and procedures. As noted above, Lifeworks has adopted the Code to address insider trading (material, nonpublic information controls), gifts and entertainment, outside business activities, and personal securities reporting. When trading for personal accounts, Supervised Persons have a conflict of interest if trading in the same securities. The fiduciary duty to act in the best interest of its Clients can be violated if personal trades are made with more advantageous terms than Clients’ trades or by trading based on material, nonpublic information. This risk is mitigated by Lifeworks requiring reporting of personal securities trades by its Supervised Persons for review by the CCO. Lifeworks has also adopted written policies and procedures to detect the misuse of material, nonpublic information. While Lifeworks allows Supervised Persons to purchase or sell the same securities that may be recommended to and purchased on behalf of Clients, such trades are typically aggregated with Client orders or traded afterward. At no time will Lifeworks, or any Supervised Person of Lifeworks, transact in any security to the detriment of any Client. Item 12 – Brokerage Practices A. Selection of Broker-Dealers Lifeworks does not have the discretionary authority to select the broker-dealers/custodians for custody and execution services for its Clients (herein the “Custodian”). Clients will typically select the Custodian to safeguard their assets and to authorize Lifeworks to direct trades to the Custodian as agreed upon in the Wealth Management Agreement. Further, Lifeworks does not have the discretionary authority to negotiate commissions on behalf of Clients on a trade-by-trade basis. Where Lifeworks does not exercise discretion over the selection of the Custodian, it may recommend the Custodian to Clients for custody and execution services. Clients are not obligated to use the recommended Custodian and will not incur any extra fee or cost associated with using a Custodian not recommended by Lifeworks. However, if the recommended Custodian is not engaged, Lifeworks may be limited in the services it can provide Lifework may recommend a Custodian based on criteria including, but not limited to, the reasonableness of commissions charged to the Client, services made available to the Client, its reputation, and/or the location of the Custodian's offices. For wealth management Clients, Lifeworks generally recommends that its Clients establish their account[s] at Altruist Financial LLC (“Altruist”), or Charles Schwab & Co., Inc. (“Schwab”). Both Altruist and Schwab (each a “Custodian” and collectively the “Custodians”) are FINRA-registered broker-dealers and members of SIPC and serve as the Client’s “qualified Custodians.” As Lifeworks maintains institutional relationships with the Custodians, please see Item 14 for additional information related to the economic benefits received by the Advisor. Please note that Wrap Program clients may utilize the services of Apex Clearing Corporation (“Apex”). For more information on Apex, please see the Wrap Program brochure. 18 Lifeworks Advisors, LLC | 4095 Park East Ct. Suite C, Grand Rapids, MI 49546 | (616) 200-6512 | www.lifeworksadvisors.com  Retirement plan advisory services Clients utilize AdvisorTrust or Principal Financial Group. Research and Other Soft Dollar Benefits Soft dollars are revenue programs offered by broker-dealers/custodians whereby an advisor enters into an agreement to place security trades with a broker-dealer/custodian in exchange for research and other services. Lifeworks does not receive soft dollar benefits but does receive certain economic benefits from Altruist and Schwab, as described in Item 14 below. In fulfilling its duties to its Clients, Lifeworks endeavors at all times to put the interests of its Clients first. Clients should be aware, however, that the receipt of economic benefits from a Custodian creates a conflict of interest since these benefits may influence Lifeworks’ recommendation of this Custodian over one that does not furnish similar software, systems support, or services. Notwithstanding this incentive, Lifeworks believes that its Clients’ ability to select their own Custodian[s] mitigates such risk. Institutional Platform Relationship –Schwab As described above, Lifeworks participates in Altruist and Schwab’s institutional customer program and may recommend Altruist and Schwab to Clients for custody and brokerage services. There is no direct link between Lifeworks’ participation in the program and the investment advice it gives to its Clients, although Lifeworks receives economic benefits through its participation in the program that is typically not available to Altruist and Schwab customers. These benefits include the following products and services (provided without cost or at a discount): receipt of duplicate Client statements and confirmations; research-related products and tools; consulting services; access to a trading desk serving the Clients; access to block trading (which provides the ability to aggregate securities transactions for execution and then allocate the appropriate shares to Client accounts); the ability to have Advisory Fees deducted directly from Client accounts; access to an electronic communications network for Client order entry and account information; access to mutual funds with no transaction fees and to certain institutional money managers; and discounts on compliance, marketing, research, technology, and practice management products or services provided to Lifeworks by third-party vendors. Lifeworks benefits from utilizing Altruist and Schwab as Custodians because it does not have to produce or pay for some of the above services. In addition, some of the products and services may benefit Lifeworks but may not benefit all Client accounts. Notwithstanding, none of these products or services disadvantage Clients. These products or services may assist Lifeworks in managing and administering Client accounts, including accounts not maintained at Altruist and Schwab. Other services made available by Altruist and Schwab are intended to help Lifeworks manage and further develop its business enterprise. The benefits received by Lifeworks or its personnel through participation in the program do not depend on the amount of brokerage transactions directed to Altruist or Schwab. As part of its fiduciary duties to Clients, Lifeworks endeavors at all times to put the interests of its Clients first. Clients should be aware, however, that the receipt of economic benefits by Lifeworks or its related persons in and of itself creates a conflict of interest and may indirectly influence Lifeworks’ choice of Altruist or Schwab for custody and brokerage services. Brokerage for Client Referrals; Directed Brokerage At present, Lifeworks does not receive any Client referrals from Custodians. All Clients are serviced on a directed brokerage basis—meaning that for wealth management services, Clients are required to direct Lifeworks to execute transactions through a specified broker-dealer. Lifeworks will place trades within each established account at the Custodian designated by the Client. 19 Lifeworks Advisors, LLC | 4095 Park East Ct. Suite C, Grand Rapids, MI 49546 | (616) 200-6512 | www.lifeworksadvisors.com  No Custodian is an affiliate of Lifeworks. By directing brokerage, Lifeworks may be unable to achieve the most favorable execution of Client transactions, and this practice may cost Clients more money. Lifeworks is not obligated to select competitive bids on securities transactions and does not have an obligation to seek the lowest available transaction costs. These costs are determined by the Custodian. B. Aggregation of Trades Lifeworks may aggregate orders in a block trade or trades when securities are purchased or sold through the same Custodian for multiple (discretionary) accounts on the same trading day. If a block trade cannot be executed in full at the same price or time, the securities actually purchased or sold by the close of each business day must be allocated in a manner that is consistent with the initial pre-allocation or other written statement. This must be done in a way that does not consistently advantage or disadvantage any particular Clients’ accounts. Item 13 – Review of Accounts Wealth Management The accounts of wealth management Clients are generally invested pursuant to one of the portfolios created by Lifeworks. By virtue of tracking the portfolios generally, portfolio managers regularly monitor the portfolios. Formal reviews of Client accounts are conducted at least annually or more frequently depending on the needs or requests of the Client. Accounts may be reviewed as a result of major changes in economic conditions, known changes in a Client’s financial situation, and/or large deposits or withdrawals in a Client’s account. Clients are encouraged to notify Lifeworks if changes occur in their personal financial situation that might adversely affect their investment plan. Additional reviews may be triggered by material market, economic or political events. Wealth management Clients receive brokerage statements no less than quarterly from the Custodian. Clients may establish electronic access to the Custodian’s website so that they may view these reports and their account activity. Client brokerage statements will include all positions, transactions, and fees relating to the Client’s account. Wealth management and financial planning Clients can log in to Lifeworks’ investor portal to view reports concerning their holdings, allocations, and performance at any time. Such reports are updated regularly. Financial Planning and Consulting Services While reviews may occur at different stages depending on the nature and terms of the specific engagement, typically, no formal reviews will be conducted for Financial Planning and Consulting Services clients unless otherwise contracted. Financial planning Clients generally receive an email from Lifeworks at the beginning of each quarter, prompting them to schedule a meeting with Lifeworks to review their general financial plans and investments. Financial Planning clients generally receive a completed financial plan in writing. As agreed upon with the client in writing, additional reports and/or updates may be provided. As noted above, the reports will be posted to Lifeworks’ portal. Retirement Plan Advisory Services Lifeworks reviews the written investment plan whenever the client advises Lifeworks of a change in circumstances regarding the needs of the plan. Lifeworks will also review the investment options of the plan according to the agreed-upon time intervals established in the written investment plan and contract. Such reviews generally occur quarterly. These plans are reviewed by the representative assigned to the relationship. These clients receive written reports as contracted at the inception of the advisory relationship. It is anticipated that retirement plan Clients receive brokerage statements no less than quarterly from the Custodian. It is the client’s responsibility to promptly notify Lifeworks if there is any change in their financial or 20 Lifeworks Advisors, LLC | 4095 Park East Ct. Suite C, Grand Rapids, MI 49546 | (616) 200-6512 | www.lifeworksadvisors.com  personal situation or investment objectives as it relates to any of the above-contracted services. Item 14 – Client Referrals and Other Compensation Participation in Institutional Advisor Platform – Altruist Lifeworks has established an institutional relationship with Altruist to assist the Advisor in managing Client account[s]. Access to the Altruist platform is provided at no charge to the Advisor. The Advisor receives access to software and related support without cost because the Advisor renders investment management services to Clients that maintain assets at Altruist The software and related systems support may benefit the Advisor, but not its Clients directly. In fulfilling its duties to its Clients, the Advisor endeavors at all times to put the interests of its Clients first. Clients should be aware, however, that the receipt of economic benefits from a Custodian creates a potential conflict of interest since these benefits may influence the Advisor’s recommendation of this Custodian over one that does not furnish similar software, systems support, or services. Institutional Platform Relationship – Schwab As disclosed in Item 12, Lifeworks has established an institutional relationship with Schwab through its “Schwab Advisor Services” unit, a division of Schwab dedicated to serving independent advisory firms like Lifeworks. As a registered investment advisor participating on the Schwab Advisor Services platform, Lifeworks receives access to software and related support without cost because the Advisor renders investment management services to Clients that maintain assets at Schwab. Services provided by Schwab Advisor Services benefit the Advisor, and many, but not all, services provided by Schwab will benefit Clients. In fulfilling its duties to its Clients, the Advisor endeavors at all times to put the interests of its Clients first. Clients should be aware, however, that the receipt of economic benefits from a custodian creates a conflict of interest since these benefits may influence the Advisor's recommendation of this custodian over one that does not furnish similar software, systems support, or services. Services that Benefit the Client – Schwab’s institutional brokerage services include access to a broad range of investment products, execution of securities transactions, and custody of the Client’s funds and securities. Through Schwab, the Advisor may be able to access certain investments and asset classes that the Client would not be able to obtain directly or through other sources. Further, the Advisor may be able to invest in certain mutual funds and other investments without having to adhere to investment minimums that might be required if the Client were to directly access the investments. Services that May Indirectly Benefit the Client – Schwab provides participating advisors with access to technology, research, discounts, and other services. In addition, the Advisor receives duplicate statements for Client accounts the ability to deduct advisory fees, trading tools, and back office support services as part of its relationship with Schwab. These services are intended to assist the Advisor in effectively managing accounts for its Clients but may not directly benefit all Clients. Services that May Only Benefit the Advisor – Schwab also offers other services support to Lifeworks that may not benefit the Client, including educational conferences and events, financial start-up support, consulting services, and discounts for various service providers. Access to these services creates a financial incentive for the Advisor to recommend Schwab, which results in a conflict of interest. Lifeworks believes, however, that the selection of Schwab as Custodian is in the best interests of its Clients. Institutional Platform Relationship – Apex Clearing Corporation Lifeworks has established an institutional relationship with Apex to assist Lifeworks in managing Client 21 Lifeworks Advisors, LLC | 4095 Park East Ct. Suite C, Grand Rapids, MI 49546 | (616) 200-6512 | www.lifeworksadvisors.com  accounts. Access to the Apex platform is provided at no charge to Lifeworks. Lifeworks receives access to software and related support without cost because Lifeworks renders investment management services to Clients that maintain assets at Apex. The software and related systems support may benefit Lifeworks but not its Clients directly. In fulfilling its duties to its Clients, Lifeworks endeavors at all times to put the interests of its Clients first. Clients should be aware, however, that the receipt of economic benefits from a Custodian creates a conflict of interest since these benefits may influence Lifeworks’ recommendation of Apex over one that does not furnish similar software, systems support, or services. Compensation for Client Referrals Certain Clients may be referred to the Advisor by either an affiliated or unaffiliated party (herein "Promoter") and receive, directly or indirectly, compensation for the Client referral. In such instances, the Advisor will compensate the Promoter a fee in accordance with Rule 206(4)-1 of the Advisers Act and any corresponding state securities requirements. Any such compensation shall be paid solely from the investment advisory fees earned by the Advisor, and shall not result in any additional charge to the Client. Item 15 – Custody Lifeworks does not accept or maintain custody of Client accounts, except for the limited circumstances outlined below: Deduction of Advisory Fees - To ensure compliance with regulatory requirements associated with the deduction of advisory fees, all Clients for whom Lifeworks exercises discretionary authority must hold their assets with a "qualified custodian." Clients are responsible for engaging a “qualified custodian” to safeguard their funds and securities and must instruct Lifeworks to utilize that Custodian for securities transactions on their behalf. Clients are encouraged to review statements provided by the Custodian and compare to any reports provided by Lifeworks to ensure accuracy, as the Custodian does not perform this review. Money Movement Authorization - For instances where Clients authorize Lifeworks to move funds between their accounts, Lifeworks and the Custodian have implemented safeguards to ensure that all money movement activities are conducted strictly in accordance with the Client’s documented instructions. Item 16 – Investment Discretion For our wealth management Clients, Lifeworks typically has discretionary authority to manage the selection of securities to be bought or sold in Client accounts. This discretionary authority is subject to specified investment objectives, guidelines, or limitations previously set forth by the Client in its Wealth Management Agreement. Discretionary authority will only be authorized upon full disclosure to, and agreement by, a Client. All discretionary trades made by Lifeworks will be in accordance with each Client's investment objectives and goals. Item 17 – Voting Client Securities Lifeworks does not accept proxy-voting responsibility for any Client. Clients will receive proxy statements directly from the Custodian. Lifeworks will assist in answering questions relating to proxies; however, the Client retains the sole responsibility for proxy decisions and voting. 22 Lifeworks Advisors, LLC | 4095 Park East Ct. Suite C, Grand Rapids, MI 49546 | (616) 200-6512 | www.lifeworksadvisors.com  Item 18 – Financial Information Lifeworks is not required to include a balance sheet because it does not require or solicit the advance payment of fees of $1,200 or more for services to be performed six months or more in the future. In addition, Lifeworks does not have financial commitments that impair its ability to meet contractual and fiduciary commitments to Clients, nor has it been the subject of a bankruptcy proceeding. 23 Lifeworks Advisors, LLC | 4095 Park East Ct. Suite C, Grand Rapids, MI 49546 | (616) 200-6512 | www.lifeworksadvisors.com  Form ADV Part 2A – Appendix 1 Wrap Fee Program Brochure Lifeworks Advisors, LLC 4095 Park East Court, Suite C Grand Rapids, Michigan 49546 Tel: (616) 827-7338 www.lifeworksadvisors.com Effective: September 23, 2025 This Form ADV Part 2A – Appendix 1 (“Wrap Fee Program Brochure”) provides information about the qualifications and business practices for Lifeworks Advisors, LLC (“Lifeworks” or the “Advisor”). This Wrap Fee Program Brochure shall always be accompanied by the Lifeworks disclosure brochure (“Disclosure Brochure”), which provides complete details on the business practices of Lifeworks. If you have any questions about the contents of this Wrap Fee Program Brochure of the Lifeworks Disclosure Brochure, please contact Lifeworks at (616) 200-6512. Lifeworks is a registered investment advisor with the U.S. Securities and Exchange Commission (“SEC”). The information in this Wrap Fee Program Brochure has not been approved or verified by the United States Securities and Exchange Commission (the “SEC”) or by any state securities authority. Registration as an investment adviser does not imply any level of skill or training. information about Lifeworks is also available on the SEC’s website at Additional www.adviserinfo.sec.gov by searching with the Advisor’s firm name or CRD# 288255. 24 Lifeworks Advisors, LLC | 4095 Park East Ct. Suite C, Grand Rapids, MI 49546 | (616) 200-6512 | www.lifeworksadvisors.com  Item 2 – Material Changes Form ADV 2A - Appendix 1 provides information about a variety of topics relating to an Advisor’s business practices and conflicts of interest. In particular, this Wrap Fee Program Brochure discusses the Wrap Fee Program offered by the Advisor. Material Changes The following material changes have been made to this Wrap Fee Program Brochure since the last filing and distribution to Clients: • The Advisor has amended Section 4 and Section 9 to reflect that it no longer recommends clients establish accounts at or maintains an institutional relationship with TD Ameritrade Inc. • The Advisor has amended Section 4 and Section 9 to reflect that it now recommends clients establish accounts at and maintains an institutional relationship with Charles Schwab & Co. Inc. Future Changes From time to time, the Advisor may amend this Wrap Fee Program Brochure to reflect changes in business practices, changes in regulations, or routine annual updates as required by the securities regulators. This complete Wrap Fee Program Brochure (along with the complete Lifeworks Disclosure Brochure) or a Summary of Material Changes shall be provided to you annually and if a material change occurs in the business practices of Lifeworks. At any time, you may view this Wrap Fee Program Brochure and the current Disclosure Brochure online at the SEC’s Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching for the Advisor’s firm name or CRD# 288255. You may also request a copy of this Disclosure Brochure at any time by contacting the Advisor at (616) 200-6512. Item 3 – Table of Contents Form ADV Part 2A – Appendix 1 ......................................................................................................... 24 Item 2 – Material Changes ..................................................................................................................... 25 Item 3 – Table of Contents ..................................................................................................................... 25 Item 4 – Services, Fees, and Compensation ........................................................................................... 26 Item 5 – Account Requirements and Types of Clients .......................................................................... 28 Item 6 – Portfolio Manager Selection and Evaluation .......................................................................... 28 Item 7 – Client Information Provided to Portfolio Managers .............................................................. 33 Item 8 – Client Contact with Portfolio Managers ................................................................................. 33 Item 9 – Additional Information............................................................................................................ 33 25 Lifeworks Advisors, LLC | 4095 Park East Ct. Suite C, Grand Rapids, MI 49546 | (616) 200-6512 | www.lifeworksadvisors.com  Services Item 4 – Services, Fees, and Compensation A. Lifeworks Advisors, LLC (“Lifeworks” or the “Advisor”) provides customized investment advisory services for its Clients. This Wrap Fee Program Brochure is provided as a supplement to the Lifeworks Disclosure Brochure (Form ADV 2A). This Wrap Fee Program Brochure is provided along with the complete Disclosure Brochure to provide full details of the business practices and fees when selecting Lifeworks as your investment advisor. As part of the investment advisory fees noted in Item 5 of the Disclosure Brochure, under our wrap program, Lifeworks includes, in addition to securities transaction fees, transaction fees for certain mutual funds, custodial costs, administrative fees, fees for options contracts, fees for alternatives, and other fees and expenses (herein “Covered Costs”) as part of its overall investment advisory fee. Securities regulations often refer to this combined fee structure as a “Wrap Fee Program.” Certain Custodians recommended by the Advisor do not charge securities transaction fees for exchange-traded funds (“ETF”) and equity trades in Client accounts but typically charge for mutual funds and other types of investments. The Advisor sponsors the Lifeworks Wrap Fee Program. A wrap fee program has a fee structure that provides Clients with advisory and brokerage services for one bundled fee with no separate account activity fees or charges for the execution of trades. As such, Lifeworks charges Clients an investment advisor fee that covers the investment advisory and other services we provide, as well as Covered Costs through either Charles Schwab & Co. Inc. (“Schwab”), or Apex Clearing Corporation (“Apex”), which serves as the broker and custodian for our Clients’ accounts. Lifeworks utilizes the services of our affiliated software company to provide the Wrap Program to Clients. The software company maintains the Client portal where Clients can access various reports and portfolio holdings information. The software company does not provide any investment advisory services to Clients. The primary purpose of this Wrap Fee Program Brochure is to provide additional disclosure relating to the combination of Covered Costs into a single “bundled” investment advisory fee. This Wrap Fee Program Brochure references back to the Lifeworks Disclosure Brochure, which this Wrap Fee Program Brochure serves as an Appendix. Please see Item 4 – Advisory Services of the Disclosure Brochure for details on Lifeworks’ investment philosophy and related services. This Brochure generally includes information about us and our relationships with Clients in the Wrap Program. While much of this Brochure applies to all such Clients, certain information included herein applies to specific Clients only. Program Costs B. Advisory services provided by Lifeworks are offered in a wrap fee structure whereby Covered Costs are included in the overall investment advisory fee paid to Lifeworks. As the level of activity in a Client’s account[s] may vary from year to year, the annual cost to the Client may be more or less than engaging for advisory services where the Covered Costs are borne separately by the Client. The cost of the Wrap Fee Program varies depending on the services to be provided to each Client; however, the Client is not charged more if there is higher trading activity or other Covered Costs. A Wrap Fee structure presents a conflict of interest as the Advisor is incentivized to limit the number of trades placed in the Client’s account[s] or to utilize securities that do not have transaction fees. As noted above, certain Custodians recommended by the Advisor do not charge securities transaction fees for ETF and equity trades in Client 26 Lifeworks Advisors, LLC | 4095 Park East Ct. Suite C, Grand Rapids, MI 49546 | (616) 200-6512 | www.lifeworksadvisors.com  accounts but typically charge for mutual funds and other types of investments. As such, the Advisor is incentivized to utilize ETFs and other equity securities to limit the overall cost to the Advisor. The Advisor will only place Client assets into a Wrap Fee Program when it is believed to be in the Client’s best interest. Please see Item 5 – Fees and Compensation of the Disclosure Brochure for complete details on fees. Fees and Compensation C. Lifeworks provides customized investment advisory services on a discretionary basis to its Clients pursuant to a Wealth Management Agreement. Such Clients are charged a management fee for such services (the “Advisory Fee”). The Advisory Fee ranges up to 1.50% annually of the assets under management the Client has with Lifeworks. The Advisory Fee is payable monthly in advance based on the market value of each Client’s account as of the last business day of the prior month. The Advisory Fee for the initial month is calculated on a pro-rata basis commencing on the date assets are designated to Lifeworks for management under the Wealth Management Agreement. The Advisory Fee is negotiable. Client’s fees will take into consideration the aggregate assets under management with the Advisor. All securities held in accounts managed by Lifeworks will be independently valued by the Custodian. The Advisor will conduct periodic reviews of the Custodian’s valuation to ensure accurate billing. Investment advisory fees are calculated by the Advisor or its delegate and deducted from the Client’s account[s] at the Custodian. The Advisor shall send an invoice to the Custodian indicating the amount of the fees to be deducted from the Client’s account[s] at the beginning of the respective month. The amount due is calculated by applying the annual rate (annual rate divided by 12) to the total assets under management with Lifeworks at the end of the prior month. Clients will be provided with a statement, at least quarterly, from the Custodian reflecting the deduction of the investment advisory fee. Clients are urged to also review and compare the statement provided by the Advisor to the brokerage statement from the Custodian, as the Custodian does not perform a verification of fees. Clients provide written authorization permitting advisory fees to be deducted by Lifeworks to be paid directly from their account[s] held by the Custodian as part of the investment advisory agreement and separate account forms provided by the Custodian. When executing a Wealth Management Agreement, Clients may select whether to pay the Advisory Fee by ACH payment, credit card, or by the custodian deducting the fee from their account, each of which must be paid on a monthly basis within 30 days of the invoice. Third-party software unaffiliated with Lifeworks processes ACH and credit card payments. Lifeworks has established information barriers and procedures to ensure that Lifeworks does not have access to Client payment-related information. In addition, Lifeworks’ affiliate has encrypted and masked the Client payment data. The data maintained by our affiliate is insufficient to gain access or control over the Client payment data such that Lifeworks would be deemed to have custody of such information. In addition to the Wrap Fee, Clients will be responsible for expenses charged by mutual funds and exchange-traded funds to their shareholders, if applicable. These fees and expenses are described in each fund’s prospectus and will generally be used to pay management fees for the funds, other fund expenses, account administration (e.g., custody, brokerage, and account reporting), and a possible distribution fee. The Client should review both the fees charged by the funds and the fees charged by Lifeworks to fully understand the total fees to be paid. Securities transaction fees for Client-directed trades will be charged back to the Client. In connection with the discretionary investment management services provided by Lifeworks, the Client will incur other costs accessed by the Custodian or other third parties, other than the Covered Costs noted above, such as wire transfer fees, fees for trades executed away from the Custodian and other fees. 27 Lifeworks Advisors, LLC | 4095 Park East Ct. Suite C, Grand Rapids, MI 49546 | (616) 200-6512 | www.lifeworksadvisors.com  Lifeworks does not control nor share in these fees and expenses. The Client should review both the fees charged by the fund[s] and the fees charged by Lifeworks to fully understand the total fees to be paid. Please see Item 5.C. – Other Fees and Expenses in the Disclosure Brochure (included with this Wrap Fee Program Brochure). Item 5 – Account Requirements and Types of Clients The Program does not impose requirements to open or maintain an account and does not impose a minimum account size. Lifeworks offers investment advisory services to individuals, high-net-worth individuals, pension and profit-sharing plans, and businesses. Please see Item 7 – Types of Clients in the Disclosure Brochure for additional information. Item 6 – Portfolio Manager Selection and Evaluation Portfolio Manager Selection Lifeworks serves as a sponsor and portfolio manager for the services under this Wrap Fee Program. The Advisor may also recommend that a Client utilize an Independent Manager for all or a portion of a Client’s investment portfolio. The Advisor will assist in the development of the initial policy recommendations and managing the ongoing Client relationship. The Advisor will also perform initial and ongoing oversight and due diligence over the selected Independent Managers to ensure the Independent Managers’ strategies and target allocations remain aligned with its Clients’ investment objectives and overall best interests. Related Persons Lifeworks personnel serve as portfolio managers for this Wrap Fee Program. Lifeworks does not serve as a portfolio manager for any third-party wrap fee programs. This may cause a conflict of interest as Lifeworks may be incentivized not to trade regularly. When placing trades in Client accounts, no consideration is given as to whether the client is in this Wrap Fee Program. The only portfolio managers that participate in the Wrap Fee Program are personnel of Lifeworks. Performance-Based Fees Lifeworks does not charge performance-based fees for its investment advisory services. The fees charged by Lifeworks are as described in Item 5 above and are not based upon the capital appreciation of the funds or securities held by any Client. Lifeworks does not manage any proprietary investment funds or limited partnerships (for example, a mutual fund or a hedge fund) and has no financial incentive to recommend any particular investment options to its Clients. Supervised Persons Lifeworks representatives serve as portfolio managers for all accounts, including the services described in this Wrap Fee Program Brochure. Details of the advisory services provided are included in Item 4.A. of the Disclosure Brochure. Methods of Analysis Please see Item 8 of the Disclosure Brochure (included with this Wrap Fee Program Brochure) for details on the research and analysis methods employed by the Advisor. Risk of Loss Investing in securities involves certain investment risks. Securities may fluctuate in value or lose value. Clients should be prepared to bear the potential risk of loss. Lifeworks will assist Clients in determining 28 Lifeworks Advisors, LLC | 4095 Park East Ct. Suite C, Grand Rapids, MI 49546 | (616) 200-6512 | www.lifeworksadvisors.com  an appropriate strategy based on their tolerance for risk and other factors noted above. However, there is no guarantee that a Client will meet their investment goals. Each Client engagement will entail a review of the Client’s investment goals, financial situation, time horizon, tolerance for risk, and other factors to develop an appropriate strategy for managing a Client’s accounts. Client participation in this process, including full and accurate disclosure of requested information, is essential for the analysis of a Client’s accounts. Lifeworks shall rely on the financial and other information provided by the Client or their designees without the duty or obligation to validate the accuracy and completeness of the provided information. It is the responsibility of the Client to inform Lifeworks of any changes in financial condition, goals, or other factors that may affect this analysis. Following are some of the risks associated with the Advisor’s investment strategies: Market Risks The value of a Client’s holdings may fluctuate in response to events specific to companies or markets, as well as economic, political, or social events in the U.S. and abroad. This risk is linked to the performance of the overall financial markets. The profitability of a significant portion of a Client’s investment program depends to a great extent upon correctly assessing the possible future course of the price movements of securities and other investments. There can be no assurance that Lifeworks will be able to predict these price movements accurately. Although Lifeworks may attempt to mitigate market risk, there is always some, and occasionally a significant, degree of market risk. Investment and Trading Risks All investments risk the loss of capital. Lifeworks believes that its research techniques will moderate this risk through a careful selection of securities. However, no guarantee or representation is made that a Client’s investment program will be successful or that the Client will not incur losses. Each Client’s investment program will likely utilize investment techniques that, in practice, can, in certain circumstances, increase the adverse impact to which the Client may be subject. In certain transactions, a Client will not be “hedged” (or fully hedged) against market fluctuations (or other risks) or, in reorganization or liquidation situations, will likely not accurately value the assets of the subject issuer or the degree of legal and regulatory risk associated with investments in the securities of issuers in such situations. This can result in losses, even if the proposed transaction is consummated. Lifeworks will attempt to assess the foregoing risk factors and others in determining the extent of the position it will take in the relevant securities and other financial instruments and the price it is willing to pay for such securities or instruments. However, such risks cannot be eliminated. Investment Analysis When assessing investment opportunities, Lifeworks relies on resources that will likely have limited or incomplete information. In particular, Lifeworks relies on publicly available information and data filed with various government regulators or made directly available to Lifeworks by the issuers of securities or through sources other than the issuers. Although Lifeworks expects that it will evaluate information and data as it deems appropriate and will seek independent corroboration when reasonably available, Lifeworks will not evaluate all publicly available information and data and is not in a position to confirm the completeness, genuineness or accuracy of the information and data that it evaluates. As a result, there can be no assurance that the due diligence exercise carried out by Lifeworks will reveal or highlight all relevant facts that may be necessary or helpful in evaluating investment opportunities. Any failure to have identified the relevant facts will likely result in an inappropriate investment decision, which will likely have a material adverse effect on the value of any investment of a Client. 29 Lifeworks Advisors, LLC | 4095 Park East Ct. Suite C, Grand Rapids, MI 49546 | (616) 200-6512 | www.lifeworksadvisors.com  Systems Risk Lifeworks relies on computer programs and systems in its proprietary modeling to evaluate securities, monitor its portfolios, and generate reports that are critical to oversight of its activities. In addition, certain systems are operated by third parties, including counterparties and service providers. These programs, whether operated by Lifeworks or a third party, may be subject to defects, failure, and interruptions, including, but not limited to, those caused by computer “worms,” viruses, and power failures. Any such defect or failure could cause the settlement of trades to fail, lead to inaccurate accounting, recording, or processing of trades, and cause inaccurate reports, which may affect Lifeworks’ ability to monitor Client accounts and risks. Cybersecurity Lifeworks’ information and technology systems may be vulnerable to damage or interruption from computer viruses, network failures, computer and telecommunication failures, infiltration by unauthorized persons and security breaches, usage errors by its professionals, power outages, and catastrophic events such as fires, tornadoes, floods, hurricanes, and earthquakes. Although Lifeworks has implemented various measures to protect the confidentiality of its internal data and to manage risks relating to these types of events, if these systems are compromised, become inoperable for extended periods of time, or cease to function properly, Lifeworks will likely have to make a significant investment to fix or replace them. The failure of these systems and/or of disaster recovery plans for any reason could cause significant interruptions in Lifeworks’ operations and result in a failure to maintain the security, confidentiality, or privacy of sensitive data, including personal information relating to Clients. Such a failure could harm Lifeworks’ reputation or subject it or its affiliates to legal claims and otherwise affect their business and financial performance. Lifeworks will seek to notify affected Clients of any known cybersecurity incident that will likely pose a substantial risk of exposing confidential personal data about such Clients to unintended parties. Pandemic Risks An outbreak of disease or similar public health threat or fear of such an event could have a material adverse impact on the performance of client accounts. In addition, outbreaks of disease could result in increased government restrictions and regulations, including quarantines, which could adversely affect Lifeworks’ operations. In December 2019, a novel strain of coronavirus (“COVID-19”) was reported in Wuhan, China. The World Health Organization declared COVID-19 to constitute a "Public Health Emergency of International Concern" and a pandemic. The U.S. government has also implemented enhanced screenings, quarantine requirements, and travel restrictions in connection with the COVID- 19 outbreak. As of the date of this Brochure, the COVID-19 pandemic has significantly and negatively impacted the global economy, disrupted global supply chains, and created significant volatility and disruption of financial markets. The extent of the impact of the COVID-19 pandemic on the financial performance of Client accounts, including Lifeworks’ ability to execute Clients’ investment strategies in the expected time frame, will depend on future developments, including the duration and spread of the pandemic and the impact of the pandemic on local, national and global financial markets, all of which are uncertain and cannot be predicted. An extended period of global supply chain and economic disruption could materially affect the performance of Client accounts, results of operations, access to sources of liquidity, and financial condition. Equity Investing Risks A portfolio may be sensitive to stock market volatility, and the stocks in which a portfolio is invested may be more (or less) volatile than the stock market as a whole. The value of equity investments and related instruments may decline in response to conditions affecting the general economy; overall market changes; local, regional, or global political, social, or economic instability; currency, interest rate, and commodity price fluctuations; or issuer- or sector-specific events. Market conditions may affect certain types of securities to a greater extent than other types of securities. If the stock market declines, the 30 Lifeworks Advisors, LLC | 4095 Park East Ct. Suite C, Grand Rapids, MI 49546 | (616) 200-6512 | www.lifeworksadvisors.com  value of a stock portfolio will also likely decline, and although stock values may rebound, there is no assurance that they will return to previous levels. Preferred stocks may also be sensitive to changes in interest rates, typically falling in value when rates rise. Municipal Bond Market Risk The amount of public information available about municipal bonds is generally less than that for corporate equities or bonds, and the investment performance of a client portfolio may be more dependent on the research capabilities of Lifeworks. The secondary market for municipal bonds also tends to be less well-developed and less liquid than many other securities markets, which may adversely affect the ability to sell bonds at attractive prices. In addition, municipal obligations can experience downturns in trading activity, and the supply of municipal obligations may exceed the demand in the market, or demand can exceed supply. During such periods, the spread can widen between the price at which an obligation can be purchased and the price at which it can be sold. Less liquid obligations can become more difficult to value and be subject to erratic price movements. The increased presence of non-traditional participants in the municipal markets may lead to greater volatility in the markets. Bond Risks Bonds are subject to specific risks, including the following: (1) interest rate risks, i.e., the risk that bond prices will fall if interest rates rise, and vice versa; the risk depends on two things, the bond's time to maturity, and the coupon rate of the bond. (2) reinvestment risk, i.e., the risk that any profit gained must be reinvested at a lower rate than was previously being earned, (3) inflation risk, i.e., the risk that the cost of living and inflation increase at a rate that exceeds the income investment thereby decreasing the investor’s rate of return, (4) credit default risk, i.e., the risk associated with purchasing a debt instrument which includes the possibility of the company defaulting on its repayment obligation, (5) rating downgrades, i.e., the risk associated with a rating agency’s downgrade of the company’s rating which impacts the investor’s confidence in the company’s ability to repay its debt and (6) Liquidity Risks, i.e., the risk that a bond may not be sold as quickly as there is no readily available market for the bond. Options Contracts Lifeworks may utilize options for certain of its Clients in furtherance of its investment strategy. Options positions may include both long positions, where Lifeworks is the holder of put or call options, as well as short positions, where Lifeworks is the seller (writer) of an option. Although option techniques can increase investment return, they can also involve a higher level of risk compared with their underlying securities. Investments in options contracts have the risk of losing value in a relatively short period of time. Options contracts are leveraged instruments that allow the holder of a single contract to control many shares of an underlying stock. This leverage can compound gains or losses. See below for the risks particular to put options and call options. Put Options There are risks associated with the sale and purchase of put options. The seller (writer) of a put option that is covered (e.g., the writer has a short position in the underlying security) assumes the risk of an increase in the market price of the underlying security above the sales price (in establishing the short position) of the underlying security plus the premium received and gives up the opportunity for gain on the underlying security below the exercise price of the option. If the seller of the put option owns a put option covering an equivalent number of shares with an exercise price equal to or greater than the exercise price of the put written, the position is “fully hedged” if the option owned expires at the same time or later than the option written. The seller of an uncovered put option assumes the risk of a decline in the market price of the underlying security below the exercise price of the option. The buyer of a put option assumes the risk of losing its entire investment in the put option. 31 Lifeworks Advisors, LLC | 4095 Park East Ct. Suite C, Grand Rapids, MI 49546 | (616) 200-6512 | www.lifeworksadvisors.com  Call Options There are risks associated with the sale and purchase of call options. The seller (writer) of a call option that is covered (e.g., the writer holds the underlying security) assumes the risk of a decline in the market price of the underlying security below the purchase price of the underlying security less the premium received and gives up the opportunity for gain on the underlying security above the exercise price of the option. If the seller of the call option owns a call option covering an equivalent number of shares with an exercise price equal to or less than the exercise price of the call written, the position is “fully hedged” if the option owned expires at the same time or later than the option written. The seller of an uncovered call option assumes the risk of a theoretically unlimited increase in the market price of the underlying security above the exercise price of the option. The buyer of a call option assumes the risk of losing its entire investment in the call option. Short Sales A short sale involves the sale of a security that the Client does not own in the hope of purchasing the same security at a later date at a lower price. To make delivery to the buyer, the Client must borrow the security and is obligated to return the security to the lender, which is accomplished by a later purchase of the security. The Client realizes a profit or a loss as a result of a short sale if the price of the security decreases or increases respectively between the date of the short sale and the date on which the Client covers its short position, i.e., purchases the security to replace the borrowed security. A short sale involves the theoretically unlimited risk of an increase in the market price of the security that would result in a theoretically unlimited loss. There can be no assurance that securities necessary to cover a short position will be available for purchase. ETF Risks ETFs are generally structured to invest in all or a representative sample of the securities that generally replicate the price and yield performance of an underlying market index or sector such as a broad stock market, industry sector, domestic or international equity or fixed income, or U.S. or foreign government bond. ETF shares are traded on stock exchanges and markets at open market prices that generally track the net asset value per share of the ETF. Direct issuances and redemption of ETF shares at the ETF’s net asset value per share only occur in large blocks (or creation units) transacted between the ETF and authorized institutional purchasers on an in-kind basis. An exchange-traded sector fund may be adversely affected by the performance of that specific sector or group of industries on which it is based. International investments may involve risk of capital loss from unfavorable fluctuations in currency values, differences in generally accepted accounting principles, or economic and/or political instability in other nations and/or other factors. Although index-based ETFs are designed to provide investment results that generally correspond to the price and yield performance of their respective underlying indices, ETFs may not be able to replicate exactly the performance of the indices because of their expenses and other factors. ETF shares may trade at either a discount or premium to their underlying net asset value. The purchase or sale of ETF shares on the secondary market involves the payment of brokerage commissions, and the purchase and redemption of creation units involve other transaction costs and brokerage commissions. Investors in ETFs also directly bear the ETF’s costs associated with its payment of investment management fees and fees for administrative, custodial, or other services, and thus Clients will indirectly incur an additional layer of fees and expenses. In addition, ETFs have a trading risk based on the loss of cost efficiency if the ETFs are traded actively and a liquidity risk if the ETFs have a large bid-ask spread and low trading volume. Mutual Fund Risks The performance of mutual funds is subject to market risk, including the possible loss of principal. The price of the mutual funds will fluctuate with the value of the underlying securities that make up the funds. The price of a mutual fund is typically set daily; therefore, a mutual fund purchased at one point 32 Lifeworks Advisors, LLC | 4095 Park East Ct. Suite C, Grand Rapids, MI 49546 | (616) 200-6512 | www.lifeworksadvisors.com  in the day will typically have the same price as a mutual fund purchased later that same day. Investing in a mutual fund exposes a Client's account to all of the risks of the mutual fund’s investments and subjects it to a pro-rata portion of the mutual fund’s fees and expenses. As a result, the cost of investing in a mutual fund may exceed the cost of investing directly in each of the mutual fund’s positions. Alternative Investments (Limited Partnerships) The performance of alternative investments (limited partnerships) can be volatile and may have limited liquidity. An investor could lose all or a portion of their investment. Such investments often have concentrated positions and investments that may carry higher risks. Clients should only have a portion of their assets in these investments. Past performance is not a guarantee of future returns. Investing in securities and other investments involves a risk of loss that each Client should understand and be willing to bear. Clients are reminded to discuss these risks with the Advisor. Proxy Voting Lifeworks does not accept proxy-voting responsibility for any Client. Clients will receive proxy statements directly from the Custodian. Lifeworks will assist in answering questions relating to proxies; however, the Client retains the sole responsibility for proxy decisions and voting. Item 7 – Client Information Provided to Portfolio Managers Clients participating in the Wrap Fee Program generally grant Lifeworks the authority to discuss certain nonpublic information with the Independent Managers engaged in managing their accounts. Depending upon the specific arrangement, the Advisor is authorized to disclose various personal information, including, without limitation, names, phone numbers, addresses, social security numbers, driver’s licenses, tax identification numbers, and account numbers. Lifeworks may also share certain information related to its Clients’ financial positions and investment objectives in an effort to ensure that the Independent Managers’ investment decisions remain aligned with its Clients’ best interests. This information is communicated on an initial and ongoing basis or as otherwise necessary to the management of its Clients’ portfolios. Item 8 – Client Contact with Portfolio Managers Lifeworks is a full-service investment management advisory firm. Clients always have direct access to the portfolio managers at Lifeworks. Clients also have the ability to reach out to third-party managers for any direct inquiries. Item 9 – Additional Information Disciplinary Information Item 9 is not applicable to us as we have no reportable material, legal, or disciplinary events. Lifeworks values the trust Clients place in us. Lifeworks encourages Clients to perform the requisite due diligence on any adviser or service provider that the Client engages. The backgrounds of Lifeworks and its representatives are on the Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with Lifeworks’ firm name or CRD# 288255. Please see Item 9 of the Lifeworks Disclosure Brochure as well as Item 3 of each Advisory Person’s Brochure Supplement (included with this Wrap Fee Program Brochure) for additional information on how to research the background of the Advisor and its Advisory Persons. 33 Lifeworks Advisors, LLC | 4095 Park East Ct. Suite C, Grand Rapids, MI 49546 | (616) 200-6512 | www.lifeworksadvisors.com  Other Financial Industry Activities and Affiliations Please see Item 10 – Other Financial Activities and Affiliation and 14 – Client Referrals and Other Compensation of the Form ADV Part 2A – Disclosure Brochure (included with this Wrap Fee Program Brochure). Code of Ethics, Participation or Interest in Client Transactions and Personal Trading Lifeworks has adopted a Code of Ethics (the “Code”) as required by Rule 204A-1 under the Advisers Act, which sets forth certain standards of business conduct that govern the personal investment activities of Supervised Persons of Lifeworks and obligates Lifeworks and its Supervised Persons to put the interests of the Clients before their own interests and to act honestly and fairly in all respects in their dealings with the Clients. In addition, all Supervised Persons of Lifeworks are required to comply with applicable federal securities laws. The Code is available to any Client or prospective Client upon request. Lifeworks does not act as a principal in any transaction, the general partner of a fund, or advise an investment company. Lifeworks does not have a material interest in any securities traded in Client accounts. Lifeworks allows Supervised Persons to purchase or sell the same securities that may be recommended to and purchased on behalf of Clients. Owning the same securities that are recommended (to purchase or sell) to Clients presents a conflict of interest that, as fiduciaries, must be disclosed to Clients and mitigated through policies and procedures. As noted above, Lifeworks has adopted the Code to address insider trading (material, information controls), gifts and entertainment, outside business activities, and personal securities reporting. When trading for personal accounts, Supervised Persons have a conflict of interest if trading in the same securities. The fiduciary duty to act in the best interest of its Clients can be violated if personal trades are made with more advantageous terms than Client trades or by trading based on material, nonpublic information. This risk is mitigated by Lifeworks requiring reporting of personal securities trades by its Supervised Persons for review by the CCO. Lifeworks has also adopted written policies and procedures to detect the misuse of material, nonpublic information. While Lifeworks allows Supervised Persons to purchase or sell the same securities that may be recommended to and purchased on behalf of Clients, such trades are typically aggregated with Client orders or traded afterward. At no time will Lifeworks, or any Supervised Person of Lifeworks, transact in any security to the detriment of any Client. Review of Accounts Wrap Program accounts are generally invested pursuant to one of the portfolios created by Lifeworks. By virtue of tracking the portfolios generally, portfolio managers regularly monitor the portfolios. Accounts may be reviewed as a result of major changes in economic conditions, known changes in a Client’s financial situation, and/or large deposits or withdrawals in a Client’s account. Clients are encouraged to notify Lifeworks if changes occur in their personal financial situation that might adversely affect their investment plan. Additional reviews may be triggered by material market, economic or political events. Wrap Program Clients receive brokerage statements no less than quarterly from the Custodian. Clients may establish electronic access to the Custodian’s website so that they may view these reports and their account activity. Client brokerage statements will include all positions, transactions, and fees relating to the Client’s account. Wealth management and financial planning Clients can log in to Lifeworks’ investor portal to view reports concerning their holdings, allocations, and performance at any time. Such reports are updated regularly. 34 Lifeworks Advisors, LLC | 4095 Park East Ct. Suite C, Grand Rapids, MI 49546 | (616) 200-6512 | www.lifeworksadvisors.com  Other Compensation Institutional Platform Relationship – Apex Clearing Corporation Lifeworks has established an institutional relationship with Apex to assist Lifeworks in managing Client accounts. Access to the Apex platform is provided at no charge to Lifeworks. Lifeworks receives access to software and related support without cost because Lifeworks renders investment management services to Clients that maintain assets at Apex. The software and related systems support may benefit Lifeworks but not its Clients directly. In fulfilling its duties to its Clients, Lifeworks endeavors at all times to put the interests of its Clients first. Clients should be aware, however, that the receipt of economic benefits from a Custodian creates a conflict of interest since these benefits may influence Lifeworks’ recommendation of Apex over one that does not furnish similar software, systems support, or services. Compensation for Client Referrals Our firm does not compensate, either directly or indirectly, any persons who are not supervised persons for Client referrals. Financial Information Lifeworks is not required to include a balance sheet because it does not require or solicit the advance payment of fees of $1,200 or more for services to be performed six months or more in the future. In addition, Lifeworks does not have financial commitments that impair its ability to meet contractual and fiduciary commitments to Clients, nor has it been the subject of a bankruptcy proceeding. 35 Lifeworks Advisors, LLC | 4095 Park East Ct. Suite C, Grand Rapids, MI 49546 | (616) 200-6512 | www.lifeworksadvisors.com  Form ADV Part 2B – Brochure Supplement for Ronald S. Bullis Co-Founder, Chief Executive Officer, and Partner Effective: September 23, 2025 This Form ADV 2B (“Brochure Supplement”) provides information about the background and qualifications of Ronald S. Bullis (CRD# 5116228) in addition to the information contained in the Lifeworks Advisors, LLC (“Lifeworks” or the “Advisor,” CRD# 288255) Disclosure Brochure. If you have not received a copy of the Disclosure Brochure or if you have any questions about the content of the Lifeworks Disclosure Brochure or this Brochure Supplement, please contact the Advisor at (616) 200-6512. Additional information about Ronald S. Bullis is available on the SEC’s Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with his full name or his individual CRD# 5116228. 36 Lifeworks Advisors, LLC | 4095 Park East Ct. Suite C, Grand Rapids, MI 49546 | (616) 200-6512 | www.lifeworksadvisors.com  Item 2 – Educational Background and Business Experience Ronald S. Bullis, born in 1981, is dedicated to advising Clients of Lifeworks as the Chief Executive Officer, Co- Founder, and Partner. Mr. Bullis’ employment history is included below. Employment History: Chief Executive Officer, Co-Founder, and Partner, Lifeworks Advisors, LLC 04/2017 to Present Financial Advisor, MassMutual 11/2016 to 07/2017 Financial Advisor, Northwestern Mutual 02/2008 to 11/2016 Mortgage Broker, Clark Financial Group 11/2007 to 02/2016 Mortgage Broker, Platinum One, Inc. 05/2002 to 11/2007 Item 3 – Disciplinary Information There are no legal, civil, or disciplinary events to disclose regarding Mr. Bullis. Mr. Bullis has never been involved in any regulatory, civil, or criminal action. There have been no client complaints, lawsuits, arbitration claims, or administrative proceedings against Mr. Bullis. 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. Bullis. However, the Advisor encourages Clients to independently view the background of Mr. Bullis on the Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching by his full name or by his individual CRD# 5116228. Item 4 – Other Business Activities Insurance Agency Affiliations Ronald Bullis is also a licensed insurance professional. Implementations of insurance recommendations are separate and apart from Mr. Bullis’ role with Lifeworks. As an insurance professional, Mr. Bullis will receive customary commissions and other related revenues from the various insurance companies whose products are sold. Mr. Bullis is not required to offer the products of any particular insurance company. Commissions generated by insurance sales do not offset regular advisory fees. This practice presents a conflict of interest in recommending certain products of insurance companies. Clients are under no obligation to implement any recommendations made by Mr.Bullis or the Advisor. Non-Profit Affiliation Mr. Bullis serves as the President of the Ella Bullis Foundation, a non-profit organization that provides financial assistance to families with children in NICUs. Mr. Bullis also serves as the Treasurer of Traffic Squad, a non-profit organization that supports law enforcement agencies in Kent County, Michigan. These activities combined do not account for more than 10% of Mr. Bullis’ time. Item 5 – Additional Compensation Mr. Bullis has additional business activities where compensation is received that are detailed in Item 4 above. Item 6 – Supervision Mr. Bullis serves as the Chief Executive Officer, Co-Founder, and Partner of Lifeworks and is supervised by Kurt Van Dyken, the Chief Compliance Officer. Mr. Van Dyken can be reached at (616) 200-6512. 37 Lifeworks Advisors, LLC | 4095 Park East Ct. Suite C, Grand Rapids, MI 49546 | (616) 200-6512 | www.lifeworksadvisors.com  Lifeworks has implemented a Code of Ethics, an internal compliance document that guides each Supervised Person in meeting their fiduciary obligations to Clients of Lifeworks. Further, Lifeworks is subject to regulatory oversight by various agencies. These agencies require registration by Lifeworks and its Supervised Persons. As a registered entity, Lifeworks is subject to examinations by regulators, which may be announced or unannounced. Lifeworks 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. 38 Lifeworks Advisors, LLC | 4095 Park East Ct. Suite C, Grand Rapids, MI 49546 | (616) 200-6512 | www.lifeworksadvisors.com  Form ADV Part 2B – Brochure Supplement for Kurt A. Van Dyken Chief Compliance Officer, Co-Founder, Partner, and Wealth Management Advisor Effective: September 23, 2025 This Form ADV 2B (“Brochure Supplement”) provides information about the background and qualifications of Kurt A. Van Dyken (CRD# 5155067) in addition to the information contained in the Lifeworks Advisors, LLC (“Lifeworks” or the “Advisor,” CRD# 288255) Disclosure Brochure. If you have not received a copy of the Disclosure Brochure or if you have any questions about the content of the Lifeworks Disclosure Brochure or this Brochure Supplement, please contact the Advisor at (616) 200-6512. Additional information about Mr. Van Dyken is available on the SEC’s Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching by his full name or by his individual CRD# 5155067. 39 Lifeworks Advisors, LLC | 4095 Park East Ct. Suite C, Grand Rapids, MI 49546 | (616) 200-6512 | www.lifeworksadvisors.com  Item 2 – Educational Background and Business Experience Kurt A. Van Dyken, born in 1982, is dedicated to advising Clients of Lifeworks as the Chief Compliance Officer, Co-Founder, Partner, and Wealth Management Advisor. Mr. Van Dyken earned a Bachelor of Science in Finance and Business Management from Western Michigan University in 2006. Additional information regarding Mr. Van Dyken’s employment history is included below. Employment History: 11/2016 to Present Chief Compliance Officer, Co-Founder, Partner, and Wealth Management Advisor, Lifeworks Advisors, LLC Financial Advisor, Northwestern Mutual 05/2006 to 11/2016 Item 3 – Disciplinary Information There are no legal, civil, or disciplinary events to disclose regarding Mr. Van Dyken. Mr. Van Dyken has never been involved in any regulatory, civil, or criminal action. There have been no client complaints, lawsuits, arbitration claims, or administrative proceedings against Mr. Van Dyken. 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. Van Dyken. However, the Advisor encourages Clients to independently view the background of Mr. Van Dyken on the Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching by his full name or by his individual CRD# 5155067. Item 4 – Other Business Activities Insurance Agency Affiliations Mr. Van Dyken is also a licensed insurance professional. Implementations of insurance recommendations are separate and apart from Mr. Van Dyken’s role with Lifeworks. As an insurance professional, Mr. Van Dyken will receive customary commissions and other related revenues from the various insurance companies whose products are sold. Mr. Van Dyken is not required to offer the products of any particular insurance company. Commissions generated by insurance sales do not offset regular advisory fees. This practice presents a conflict of interest as Mr. Van Dyken may recommend certain products of the insurance companies. Clients are under no obligation to implement any recommendations made by Mr. Van Dyken or the Advisor. Item 5 – Additional Compensation Mr. Van Dyken has an additional business activity where compensation is received that is detailed in Item 4 above. Item 6 – Supervision Mr. Van Dyken serves as the Chief Compliance Officer, Co-Founder, Partner, and Wealth Management Advisor, and Chief Compliance Officer of Lifeworks. Mr. Van Dyken can be reached at (616) 200-6512. Lifeworks has implemented a Code of Ethics, an internal compliance document that guides each Supervised Person in meeting their fiduciary obligations to Clients of Lifeworks. Further, Lifeworks is subject to regulatory oversight by various agencies. These agencies require registration by Lifeworks and its Supervised Persons. As a registered entity, Lifeworks is subject to examinations by regulators, which may be announced or unannounced. Lifeworks 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. 40 Lifeworks Advisors, LLC | 4095 Park East Ct. Suite C, Grand Rapids, MI 49546 | (616) 200-6512 | www.lifeworksadvisors.com  Form ADV Part 2B – Brochure Supplement for Trevor S. Herin, CFP®, ChFC® Lead Advisor Effective: September 23, 2025 This Form ADV 2B (“Brochure Supplement”) provides information about the background and qualifications of Trevor S. Herin, CFP®, ChFC® (CRD# 6062864), in addition to the information contained in the Lifeworks Advisors, LLC (“Lifeworks” or the “Advisor,” CRD# 288255) Disclosure Brochure. If you have not received a copy of the Disclosure Brochure or if you have any questions about the content of the Lifeworks Disclosure Brochure or this Brochure Supplement, please contact the Advisor at (616) 200-6512. Additional information about Mr. Herin is available on the SEC’s Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching by his full name or by his individual CRD# 6062864. 41 Lifeworks Advisors, LLC | 4095 Park East Ct. Suite C, Grand Rapids, MI 49546 | (616) 200-6512 | www.lifeworksadvisors.com  Item 2 – Educational Background and Business Experience Trevor S. Herin, CFP®, ChFC®, born in 1990, is dedicated to advising Clients of Lifeworks as a Lead Advisor. Mr. Herin earned a Bachelor of Arts in Marketing with an emphasis in sales from Grand Valley State University in 2013. In addition, Mr. Herin earned an Associate’s degree in Business from Grand Rapids Community College in Michigan. Additional information regarding Mr. Herin’s employment history is included below. Employment History: Lead Advisor, Lifeworks Advisors, LLC 11/2016 to Present Financial Advisor, Northwestern Mutual 05/2012 to 11/2016 Item 3 – Disciplinary Information There are no legal, civil, or disciplinary events to disclose regarding Mr. Herin. Mr. Herin has never been involved in any regulatory, civil, or criminal action. There have been no client complaints, lawsuits, arbitration claims, or administrative proceedings against Mr. Herin. 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. Herin. However, the Advisor encourages Clients to independently view the background of Mr. Herin on the Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching by his full name or by his Individual CRD# 6062864. CERTIFIED FINANCIAL PLANNER™ (“CFP®”) The CERTIFIED FINANCIAL PLANNER™, CFP®, and federally registered CFP® (with flame design) marks (collectively, the “CFP® marks”) are professional certification marks granted in the United States by the Certified Financial Planner Board of Standards, Inc. (“CFP® Board”). The CFP® certification is a voluntary certification; no federal or state law or regulation requires financial planners to hold CFP® certification. It is recognized in the United States and a number of other countries for its (1) high standard of professional education; (2) stringent code of conduct and standards of practice; and (3) ethical requirements that govern professional engagements with clients. Currently, more than 95,000 individuals have obtained CFP® certification in the United States. To attain the right to use the CFP® marks, an individual must satisfactorily fulfill the following requirements: • Education – Complete an advanced college-level course of study addressing the financial planning subject areas that CFP® Board’s studies have determined as necessary for the competent and professional delivery of financial planning services and attain a Bachelor’s Degree from a regionally accredited United States college or university (or its equivalent from a foreign university). CFP® Board’s financial planning subject areas include insurance planning and risk management, employee benefits planning, investment planning, income tax planning, retirement planning, and estate planning; • Examination – Pass the comprehensive CFP® Certification Examination. The examination includes case studies and client scenarios designed to test one’s ability to correctly diagnose financial planning issues and apply one’s knowledge of financial planning to real-world circumstances; • Experience – Complete at least three years of full-time financial planning-related experience (or the equivalent, measured as 2,000 hours per year); and • Ethics – Agree to be bound by the CFP® Board’s Standards of Professional Conduct, a set of documents outlining the ethical and practice standards for CFP® professionals. Individuals who become certified must complete the following ongoing education and ethics requirements in order to maintain the right to continue to use the CFP® marks: 42 Lifeworks Advisors, LLC | 4095 Park East Ct. Suite C, Grand Rapids, MI 49546 | (616) 200-6512 | www.lifeworksadvisors.com  • Continuing Education – Complete 30 hours of continuing education hours every two years, including two hours on the Code of Ethics and other parts of the Standards of Professional Conduct, to maintain competence and keep up with developments in the financial planning field; and • Ethics – Renew an agreement to be bound by the Standards of Professional Conduct. The Standards prominently require that CFP® professionals provide financial planning services at a fiduciary standard of care. This means CFP® professionals must provide financial planning services in the best interests of their clients. CFP® professionals who fail to comply with the above standards and requirements may be subject to the CFP® Board’s enforcement process, which could result in suspension or permanent revocation of their CFP® certification. Chartered Financial Consultant® (ChFC®) The Chartered Financial Consultant® (ChFC®) program prepares you to meet the advanced financial planning needs of individuals, professionals, and small business owners. You'll gain a sustainable advantage in this competitive field with in-depth coverage of the key financial planning disciplines, including insurance, income taxation, retirement planning, investments, and estate planning. The ChFC® requires three years of full-time, relevant business experience, nine two-hour course-specific proctored exams, and 30 hours of continuing education every two years. Holders of the ChFC® designation must adhere to The American College’s Code of Ethics. Program Objectives: • Function as an ethical, competent, and articulate practitioner in the field of financial planning • Utilize the intellectual tools and framework needed to maintain relevant and current financial planning knowledge and strategies. • Apply financial planning theory and techniques through the development of case studies and solutions. • Apply in-depth knowledge in a holistic manner from a variety of disciplines, namely, estate planning, retirement planning, or non-qualified deferred compensation. Item 4 – Other Business Activities Insurance Agency Affiliations Mr. Herin is also a licensed insurance professional. Implementations of insurance recommendations are separate and apart from Mr. Herin’s role with Lifeworks. As an insurance professional, Mr. Herin will receive customary commissions and other related revenues from the various insurance companies whose products are sold. Mr. Herin is not required to offer the products of any particular insurance company. Commissions generated by insurance sales do not offset regular advisory fees. This practice presents a conflict of interest in recommending certain products of insurance companies. Clients are under no obligation to implement any recommendations made by Mr. Herin or the Advisor. Item 5 – Additional Compensation Mr. Herin has an additional business activity where compensation is received that is detailed in Item 4 above. Item 6 – Supervision Mr. Herin serves as a Lead Advisor of Lifeworks and is supervised by Kurt Van Dyken, the Chief Compliance Officer. Mr. Van Dyken can be reached at (616) 200-6512. Lifeworks has implemented a Code of Ethics, an internal compliance document that guides each Supervised Person in meeting their fiduciary obligations to Clients of Lifeworks. Further, Lifeworks is subject to regulatory oversight by various agencies. These agencies require registration by Lifeworks and its Supervised Persons. As a registered entity, Lifeworks is subject to examinations by regulators, which may be announced or unannounced. Lifeworks 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. 43 Lifeworks Advisors, LLC | 4095 Park East Ct. Suite C, Grand Rapids, MI 49546 | (616) 200-6512 | www.lifeworksadvisors.com  Form ADV Part 2B – Brochure Supplement for Eric D. Olivero, CFP® Lead Advisor Effective: September 23, 2025 This Form ADV 2B (“Brochure Supplement”) provides information about the background and qualifications of Eric D. Olivero, CFP® (CRD# 7005329), in addition to the information contained in the Lifeworks Advisors, LLC (“Lifeworks” or the “Advisor,” CRD# 288255) Disclosure Brochure. If you have not received a copy of the Disclosure Brochure or if you have any questions about the content of the Lifeworks Disclosure Brochure or this Brochure Supplement, please contact the Advisor at (616) 200-6512. Additional information about Mr. Olivero is available on the SEC’s Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with his full name or his Individual CRD# 7005329. 44 Lifeworks Advisors, LLC | 4095 Park East Ct. Suite C, Grand Rapids, MI 49546 | (616) 200-6512 | www.lifeworksadvisors.com  Item 2 – Educational Background and Business Experience Eric D. Olivero, CFP®, born in 1991, is dedicated to advising Clients of Lifeworks as a Lead Advisor. Mr. Olivero earned a Bachelor of Arts degree in International Studies from the University of Michigan in 2013. Additional information regarding Mr. Olivero’s employment history is included below. Employment History: Lead Advisor, Lifeworks Advisors, LLC 06/2018 to Present Mission Director, University Christian Outreach 05/2013 to 05/2018 Student, University of Michigan 09/2009 to 04/2013 Student, Lutheran North 08/2005 to 08/2009 CERTIFIED FINANCIAL PLANNER™ (“CFP®”) The CERTIFIED FINANCIAL PLANNER™, CFP®, and federally registered CFP® (with flame design) marks (collectively, the “CFP® marks”) are professional certification marks granted in the United States by the CERTIFIED FINANCIAL PLANNER™ Board of Standards, Inc. (“CFP® Board”). The CFP® certification is a voluntary certification; no federal or state law or regulation requires financial planners to hold CFP® certification. It is recognized in the United States and a number of other countries for its (1) high standard of professional education; (2) stringent code of conduct and standards of practice; and (3) ethical requirements that govern professional engagements with clients. Currently, more than 95,000 individuals have obtained CFP® certification in the United States. To attain the right to use the CFP® marks, an individual must satisfactorily fulfill the following requirements: • Education – Complete an advanced college-level course of study addressing the financial planning subject areas that the CFP Board’s studies have determined as necessary for the competent and professional delivery of financial planning services and attain a Bachelor’s Degree from a regionally accredited United States college or university (or its equivalent from a foreign university). CFP Board’s financial planning subject areas include insurance planning and risk management, employee benefits planning, investment planning, income tax planning, retirement planning, and estate planning; • Examination – Pass the comprehensive CFP® Certification Examination. The examination includes case studies and client scenarios designed to test one’s ability to correctly diagnose financial planning issues and apply one’s knowledge of financial planning to real-world circumstances; • Experience – Complete at least three years of full-time financial planning-related experience (or the equivalent, measured as 2,000 hours per year); and • Ethics – Agree to be bound by the CFP Board’s Standards of Professional Conduct, a set of documents outlining the ethical and practice standards for CFP® professionals. Individuals who become certified must complete the following ongoing education and ethics requirements in order to maintain the right to continue to use the CFP® marks: • Continuing Education – Complete 30 hours of continuing education hours every two years, including two hours on the Code of Ethics and other parts of the Standards of Professional Conduct, to maintain competence and keep up with developments in the financial planning field; and • Ethics – Renew an agreement to be bound by the Standards of Professional Conduct. The Standards prominently require that CFP® professionals provide financial planning services at a fiduciary standard of care. This means CFP® professionals must provide financial planning services in the best interests of their clients. CFP® professionals who fail to comply with the above standards and requirements may be subject to the CFP Board’s enforcement process, which could result in suspension or permanent revocation of their CFP®. 45 Lifeworks Advisors, LLC | 4095 Park East Ct. Suite C, Grand Rapids, MI 49546 | (616) 200-6512 | www.lifeworksadvisors.com  Item 3 – Disciplinary Information There are no legal, civil, or disciplinary events to disclose regarding Mr. Olivero. Mr. Olivero has never been involved in any regulatory, civil, or criminal action. There have been no client complaints, lawsuits, arbitration claims, or administrative proceedings against Mr. Olivero. 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. Olivero. However, the Advisor encourages Clients to independently view the background of Mr. Olivero on the Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with his full name or his Individual CRD# 7005329. Item 4 – Other Business Activities Insurance Agency Affiliations Mr. Olivero is a licensed insurance professional. Implementations of insurance recommendations are separate and apart from Mr. Olivero’s role with Lifeworks. As an insurance professional, Mr. Olivero will receive customary commissions and other related revenues from the various insurance companies whose products are sold. Mr. Olivero is not required to offer the products of any particular insurance company. Commissions generated by insurance sales do not offset regular advisory fees. This practice presents a conflict of interest in recommending certain products of insurance companies. Clients are under no obligation to implement any recommendations made by Mr. Olivero or the Advisor. Item 5 – Additional Compensation Mr. Olivero has an additional business activity where compensation is received that is detailed in Item 4 above. Item 6 – Supervision Mr. Olivero serves as a Lead Advisor of Lifeworks and is supervised by Kurt Van Dyken, the Chief Compliance Officer. Mr. Van Dyken can be reached at (616) 200-6512. Lifeworks has implemented a Code of Ethics, an internal compliance document that guides each Supervised Person in meeting their fiduciary obligations to Clients of Lifeworks. Further, Lifeworks is subject to regulatory oversight by various agencies. These agencies require registration by Lifeworks and its Supervised Persons. As a registered entity, Lifeworks is subject to examinations by regulators, which may be announced or unannounced. Lifeworks 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. 46 Lifeworks Advisors, LLC | 4095 Park East Ct. Suite C, Grand Rapids, MI 49546 | (616) 200-6512 | www.lifeworksadvisors.com  Form ADV Part 2B – Brochure Supplement for Christopher M. Gervat Director of Business Development and Lead Advisor Effective: September 23, 2025 This Form ADV 2B (“Brochure Supplement”) provides information about the background and qualifications of Christopher M. Gervat (CRD# 6757767) in addition to the information contained in the Lifeworks Advisors, LLC (“Lifeworks” or the “Advisor,” CRD# 288255) Disclosure Brochure. If you have not received a copy of the Disclosure Brochure or if you have any questions about the content of the Lifeworks Disclosure Brochure or this Brochure Supplement, please contact the Advisor at (616) 200-6512. Additional information about Mr. Gervat is available on the SEC’s Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with his full name or his Individual CRD# 6757767. 47 Lifeworks Advisors, LLC | 4095 Park East Ct. Suite C, Grand Rapids, MI 49546 | (616) 200-6512 | www.lifeworksadvisors.com  Item 2 – Educational Background and Business Experience Christopher M. Gervat, born in 1982, is dedicated to advising Clients of Lifeworks as the Director of Business Development and a Lead Advisor. Mr. Gervat earned a Bachelor of Science degree from the University of Massachusetts Amherst in 2004. Additional information regarding Mr. Gervat’s employment history is included below. Employment History: Director of Business Development and Lead Advisor, Lifeworks Advisors, LLC 08/2020 to Present Financial Advisor, Baird 02/2017 to 08/2020 Director of Product and Development, True Lacrosse, LLC 06/2012 to 08/2020 Head Lacrosse Coach, Davenport University 06/2012 to 06/2015 Meteorologist, WWMT-TV 09/2010 to 06/2012 Chief Meteorologist, WSYM 09/2006 to 09/2010 Item 3 – Disciplinary Information There are no legal, civil, or disciplinary events to disclose regarding Mr. Gervat. Mr. Gervat has never been involved in any regulatory, civil, or criminal action. There have been no client complaints, lawsuits, arbitration claims, or administrative proceedings against Mr. Gervat. 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. Gervat. However, the Advisor encourages Clients to independently view the background of Mr. Gervat on the Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with his full name or his Individual CRD# 6757767. Item 4 – Other Business Activities Insurance Agency Affiliations Mr. Gervat is also a licensed insurance professional. Implementations of insurance recommendations are separate and apart from Mr. Gervat’s role with Lifeworks. As an insurance professional, Mr. Gervat will receive customary commissions and other related revenues from the various insurance companies whose products are sold. Mr. Gervat is not required to offer the products of any particular insurance company. Commissions generated by insurance sales do not offset regular advisory fees. This practice presents a conflict of interest in recommending certain products of insurance companies. Clients are under no obligation to implement any recommendations made by Mr. Gervat or the Advisor. Item 5 – Additional Compensation Mr. Gervat has an additional business activity where compensation is received that is detailed in Item 4 above. Item 6 – Supervision Mr. Gervat serves as the Director of Business Development and a Lead Advisor of Lifeworks and is supervised by Kurt Van Dyken, the Chief Compliance Officer. Mr. Van Dyken can be reached at (616) 200-6512. 48 Lifeworks Advisors, LLC | 4095 Park East Ct. Suite C, Grand Rapids, MI 49546 | (616) 200-6512 | www.lifeworksadvisors.com  Lifeworks has implemented a Code of Ethics, an internal compliance document that guides each Supervised Person in meeting their fiduciary obligations to Clients of Lifeworks. Further, Lifeworks is subject to regulatory oversight by various agencies. These agencies require registration by Lifeworks and its Supervised Persons. As a registered entity, Lifeworks is subject to examinations by regulators, which may be announced or unannounced. Lifeworks 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. 49 Lifeworks Advisors, LLC | 4095 Park East Ct. Suite C, Grand Rapids, MI 49546 | (616) 200-6512 | www.lifeworksadvisors.com  Form ADV Part 2B – Brochure Supplement for Christopher A. Patterson, CPA Lead Advisor Effective: September 23, 2025 This Form ADV 2B (“Brochure Supplement”) provides information about the background and qualifications of Christopher A. Patterson, CPA (CRD# 4039371), in addition to the information contained in the Lifeworks Advisors, LLC (“Lifeworks” or the “Advisor,” CRD# 288255) Disclosure Brochure. If you have not received a copy of the Disclosure Brochure or if you have any questions about the contents of the Lifeworks Disclosure Brochure or this Brochure Supplement, please contact the Advisor at (616) 200-6512. Additional information about Mr. Patterson is available on the SEC’s Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with his full name or his Individual CRD# 4039371. 50 Lifeworks Advisors, LLC | 4095 Park East Ct. Suite C, Grand Rapids, MI 49546 | (616) 200-6512 | www.lifeworksadvisors.com  Item 2 – Educational Background and Business Experience Christopher A. Patterson, CPA, born in 1975, is dedicated to advising Clients of Lifeworks as a Lead Advisor. Mr. Patterson earned a Bachelor’s in Business Management degree from the University of North Florida in 1997. Additional information regarding Mr. Patterson’s employment history is included below. Employment History: Lead Advisor, Lifeworks Advisors, LLC President, Patterson Financial Accountant, Patterson & Associates 10/2021 to Present 08/2011 to 12/2022 07/2002 to Present Certified Public Accountant™ (“CPA”) CPAs are licensed and regulated by their state boards of accountancy. While state laws and regulations vary, the education, experience, and testing requirements for licensure as a CPA generally include minimum college education (typically 150 credit hours with at least a baccalaureate degree and a concentration in accounting), minimum experience levels (most states require at least one year of experience providing services that involve the use of accounting, attest, compilation, management advisory, financial advisory, tax or consulting skills, all of which must be achieved under the supervision of or verification by a CPA), and successful passage of the Uniform CPA Examination. In order to maintain a CPA license, states generally require the completion of 40 hours of continuing professional education (CPE) each year (or 80 hours over a two-year period or 120 hours over a three-year period). Additionally, all American Institute of Certified Public Accountants™ (AICPA®) members are required to follow a rigorous Code of Professional Conduct, which requires that they act with integrity, objectivity, due care, and competence, fully disclose any conflicts of interest (and obtain client consent if a conflict exists), maintain client confidentiality, disclose to the client any commission or referral fees, and serve the public interest when providing financial services. The vast majority of state boards of accountancy have adopted the AICPA’s® Code of Professional Conduct within their state accountancy laws or have created their own. Item 3 – Disciplinary Information There are no legal or civil events to disclose regarding Mr. Patterson. Mr. Patterson has never been involved in any civil or criminal action. There have been no client complaints, lawsuits, arbitration claims, or administrative proceedings against Mr. Patterson. Securities laws require an advisor to disclose any instances where the advisor or its advisory persons have been found liable in a legal, 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 or civil events to disclose regarding Mr. Patterson. However, we do encourage you to independently view the background of Mr. Patterson on the Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with his full name or his Individual CRD# 4039371. Item 4 – Other Business Activities Insurance Agency Affiliations Mr. Patterson is also a licensed insurance professional. Implementations of insurance recommendations are separate and apart from Mr. Patterson’s role with Lifeworks. As an insurance professional, Mr. Patterson will receive customary commissions and other related revenues from the various insurance companies whose products are sold. Mr. Patterson is not required to offer the products of any particular insurance company. Commissions generated by insurance sales do not offset regular advisory fees. This practice presents a conflict of interest in recommending certain products of insurance companies. Clients are under no obligation to implement any recommendations made by Mr. Patterson or the Advisor. Patterson & Associates Mr. Patterson also serves as the President of Patterson & Associates (“Patterson & Associates”), a tax and accounting firm. Mr. Patterson may refer Clients to utilize the services of Patterson & Associates. Clients are advised that these services may be separate and distinct from the advisory services offered by the Advisor and that the receipt of additional compensation by Mr. Patterson poses a conflict of interest. Clients are not obligated 51 Lifeworks Advisors, LLC | 4095 Park East Ct. Suite C, Grand Rapids, MI 49546 | (616) 200-6512 | www.lifeworksadvisors.com  to engage Patterson & Associates for these tax preparation and accounting services in order to maintain an advisory relationship with the Advisor. Item 5 – Additional Compensation Mr. Patterson has additional business activities where compensation is received that are detailed in Item 4 above. Item 6 – Supervision Mr. Patterson serves as a Lead Advisor of Lifeworks and is supervised by Kurt Van Dyken, the Chief Compliance Officer. Mr. Van Dyken can be reached at (616) 200-6512. Lifeworks has implemented a Code of Ethics, an internal compliance document that guides each Supervised Person in meeting their fiduciary obligations to Clients of Lifeworks. Further, Lifeworks is subject to regulatory oversight by various agencies. These agencies require registration by Lifeworks and its Supervised Persons. As a registered entity, Lifeworks is subject to examinations by regulators, which may be announced or unannounced. Lifeworks 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. 52 Lifeworks Advisors, LLC | 4095 Park East Ct. Suite C, Grand Rapids, MI 49546 | (616) 200-6512 | www.lifeworksadvisors.com  Form ADV Part 2B – Brochure Supplement for Keith A. Severson Lead Advisor Effective: September 23, 2025 This Form ADV 2B (“Brochure Supplement”) provides information about the background and qualifications of Keith A. Severson (CRD# 1764315) in addition to the information contained in the Lifeworks Advisors, LLC (“Lifeworks” or the “Advisor,” CRD# 288255) Disclosure Brochure. If you have not received a copy of the Disclosure Brochure or if you have any questions about the contents of the Lifeworks Disclosure Brochure or this Brochure Supplement, please contact Lifeworks at (616) 200-6512. Additional information about Mr. Severson is available on the SEC’s Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with his full name or his Individual CRD# 1764315. 53 Lifeworks Advisors, LLC | 4095 Park East Ct. Suite C, Grand Rapids, MI 49546 | (616) 200-6512 | www.lifeworksadvisors.com  Item 2 – Educational Background and Business Experience Keith A. Severson, born in 1958, is dedicated to advising Clients of Lifeworks as a Lead Advisor. Mr. Severson earned a Bachelor of Arts degree from the University of Northern Iowa in 1981. Additional information regarding Mr. Severson’s employment history is included below. Employment History: Lead Advisor, Lifeworks Advisors, LLC President, Fiduciary Management Group, Inc. Senior Vice President, Griffin Capital Securities, LLC Vice President, Nexbank Securities Inc Senior Vice President, Cole Capital Corporation 11/2021 to Present 04/2018 to 06/2022 06/2015 to 06/2017 09/2014 to 05/2015 09/2008 to 06/2014 Item 3 – Disciplinary Information There are no legal, civil, or disciplinary events to disclose regarding Mr. Severson. Mr. Severson has never been involved in any regulatory, civil, or criminal action. There have been no client complaints, lawsuits, arbitration claims, or administrative proceedings against Mr. Severson. 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. Severson. However, we do encourage you to independently view the background of Mr. Severson on the Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with his full name or his Individual CRD# 1764315. Item 4 – Other Business Activities Mr. Severson is dedicated to the investment advisory activities of Lifeworks’ Clients. Mr. Severson does not have any other business activities. Item 5 – Additional Compensation Mr. Severson is dedicated to the investment advisory activities of Lifeworks’ Clients. Mr. Severson does not receive any additional forms of compensation. Item 6 – Supervision Mr. Severson serves as a Lead Advisor of Lifeworks and is supervised by Kurt Van Dyken, the Chief Compliance Officer. Mr. Van Dyken can be reached at (616) 200-6512. Lifeworks has implemented a Code of Ethics, an internal compliance document that guides each Supervised Person in meeting their fiduciary obligations to Clients of Lifeworks. Further, Lifeworks is subject to regulatory oversight by various agencies. These agencies require registration by Lifeworks and its Supervised Persons. As a registered entity, Lifeworks is subject to examinations by regulators, which may be announced or unannounced. Lifeworks 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. 54 Lifeworks Advisors, LLC | 4095 Park East Ct. Suite C, Grand Rapids, MI 49546 | (616) 200-6512 | www.lifeworksadvisors.com  Form ADV Part 2B – Brochure Supplement for dba Breakout Private Wealth LLC Philip J. Telpner Wealth Management Advisor Effective: September 23, 2025 This Form ADV 2B (“Brochure Supplement”) provides information about the background and qualifications of Philip J. Telpner (CRD# 4200379) in addition to the information contained in the Lifeworks Advisors, LLC (“Lifeworks” or the “Advisor,” CRD# 288255) Disclosure Brochure. If you have not received a copy of the Disclosure Brochure or if you have any questions about the contents of the Lifeworks Disclosure Brochure or this Brochure Supplement, please contact Lifeworks at (616) 200-6512. Additional information about Mr. Telpner is available on the SEC’s Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with his full name or his Individual CRD# 4200379. 55 Lifeworks Advisors, LLC | 4095 Park East Ct. Suite C, Grand Rapids, MI 49546 | (616) 200-6512 | www.lifeworksadvisors.com  56 Lifeworks Advisors, LLC | 4095 Park East Ct. Suite C, Grand Rapids, MI 49546 | (616) 200-6512 | www.lifeworksadvisors.com  Item 2 – Educational Background and Business Experience Philip J. Telpner, born in 1966, is dedicated to advising Clients of Lifeworks as a Wealth Management Advisor. Mr. Telpner earned a Bachelor’s degree in Finance from the University of Iowa in 1988. Additional information regarding Mr. Telpner’s employment history is included below. Employment History: Wealth Management Advisor, Lifeworks Advisors, LLC President and Chief Compliance Officer, Breakout Private Wealth, LLC Vice President – Private Client Advisor, JPMorgan Chase & Co. Financial Advisor, Morgan Stanley 01/2023 to Present 06/2020 to 03/2023 06/2017 to 06/2020 06/2015 to 06/2017 Item 3 – Disciplinary Information There are no legal, civil, or disciplinary events to disclose regarding Mr. Telpner. Mr. Telpner has never been involved in any regulatory, civil, or criminal action. There have been no client complaints, lawsuits, arbitration claims, or administrative proceedings against Mr. Telpner. 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. Telpner. However, we do encourage you to independently view the background of Mr. Telpner on the Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with his full name or his Individual CRD# 4200379. Item 4 – Other Business Activities Insurance Agency Affiliations Mr. Telpner is also a licensed insurance professional. Implementations of insurance recommendations are separate and apart from Mr. Telpner’s role with Lifeworks. As an insurance professional, Mr. Telpner will receive customary commissions and other related revenues from the various insurance companies whose products are sold. Mr. Telpner is not required to offer the products of any particular insurance company. Commissions generated by insurance sales do not offset regular advisory fees. This practice presents a conflict of interest in recommending certain products of insurance companies. Clients are under no obligation to implement any recommendations made by Mr. Telpner or the Advisor. Mr. Telpner spends approximately 10% of his time per month in this capacity. Item 5 – Additional Compensation Mr. Telpner has additional business activities where compensation is received that are detailed in Item 4 above. Item 6 – Supervision Mr. Telpner serves as a Wealth Management Advisor of Lifeworks and is supervised by Kurt Van Dyken, the Chief Compliance Officer. Mr. Van Dyken can be reached at (616) 200-6512. Lifeworks has implemented a Code of Ethics, an internal compliance document that guides each Supervised Person in meeting their fiduciary obligations to Clients of Lifeworks. Further, Lifeworks is subject to regulatory oversight by various agencies. These agencies require registration by Lifeworks and its Supervised Persons. As a registered entity, Lifeworks is subject to examinations by regulators, which may be announced or unannounced. Lifeworks 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. 57 Lifeworks Advisors, LLC | 4095 Park East Ct. Suite C, Grand Rapids, MI 49546 | (616) 200-6512 | www.lifeworksadvisors.com  Form ADV Part 2B – Brochure Supplement for Christopher J. Bowman CFP® Lead Advisor Effective: September 23, 2025 This Form ADV 2B (“Brochure Supplement”) provides information about the background and qualifications of Christopher J. Bowman CFP® (CRD# 6169033) in addition to the information contained in the Lifeworks Advisors, LLC (“Lifeworks” or the “Advisor,” CRD# 288255) Disclosure Brochure. If you have not received a copy of the Disclosure Brochure or if you have any questions about the contents of the Lifeworks Disclosure Brochure or this Brochure Supplement, please contact Lifeworks at (616) 200-6512. Additional information about Mr. Bowman is available on the SEC’s Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with his full name or his Individual CRD# 6169033. 58 Lifeworks Advisors, LLC | 4095 Park East Ct. Suite C, Grand Rapids, MI 49546 | (616) 200-6512 | www.lifeworksadvisors.com  Item 2 – Educational Background and Business Experience Christopher J. Bowman CFP®, born in 1986, is dedicated to advising Clients of Lifeworks as a Lead Advisor. Mr. Bowman earned a Bachelor of Science degree in Marketing from Olivet Nazarene in 2008. Additional information regarding Mr. Bowman’s employment history is included below. Employment History: Lead Advisor, Lifeworks Advisors, LLC Registered Representative, LPL Financial, LLC Private Client Advisor, J. P. Morgan Chase, Bank, N.A. Licensed Banker, J. P. Morgan Chase, Bank, N.A. Business Banker, J. P. Morgan Chase, Bank, N.A. 01/2023 to Present 09/2020 to 01/2023 01/2016 to 09/2020 02/2012 to 12/2015 11/2011 to 01/2012 CERTIFIED FINANCIAL PLANNER™ (“CFP®”) The CERTIFIED FINANCIAL PLANNER™, CFP®, and federally registered CFP® (with flame design) marks (collectively, the “CFP® marks”) are professional certification marks granted in the United States by the CERTIFIED FINANCIAL PLANNER™ Board of Standards, Inc. (“CFP® Board”). The CFP® certification is a voluntary certification; no federal or state law or regulation requires financial planners to hold CFP® certification. It is recognized in the United States and a number of other countries for its (1) high standard of professional education; (2) stringent code of conduct and standards of practice; and (3) ethical requirements that govern professional engagements with clients. Currently, more than 95,000 individuals have obtained CFP® certification in the United States. To attain the right to use the CFP® marks, an individual must satisfactorily fulfill the following requirements: • Education – Complete an advanced college-level course of study addressing the financial planning subject areas that the CFP Board’s studies have determined as necessary for the competent and professional delivery of financial planning services and attain a Bachelor’s Degree from a regionally accredited United States college or university (or its equivalent from a foreign university). CFP Board’s financial planning subject areas include insurance planning and risk management, employee benefits planning, investment planning, income tax planning, retirement planning, and estate planning; • Examination – Pass the comprehensive CFP® Certification Examination. The examination includes case studies and client scenarios designed to test one’s ability to correctly diagnose financial planning issues and apply one’s knowledge of financial planning to real-world circumstances; • Experience – Complete at least three years of full-time financial planning-related experience (or the equivalent, measured as 2,000 hours per year); and • Ethics – Agree to be bound by the CFP Board’s Standards of Professional Conduct, a set of documents outlining the ethical and practice standards for CFP® professionals. Individuals who become certified must complete the following ongoing education and ethics requirements in order to maintain the right to continue to use the CFP® marks: • Continuing Education – Complete 30 hours of continuing education hours every two years, including two hours on the Code of Ethics and other parts of the Standards of Professional Conduct, to maintain competence and keep up with developments in the financial planning field; and • Ethics – Renew an agreement to be bound by the Standards of Professional Conduct. The Standards prominently require that CFP® professionals provide financial planning services at a fiduciary standard of care. This means CFP® professionals must provide financial planning services in the best interests of their clients. CFP® professionals who fail to comply with the above standards and requirements may be subject to the CFP Board’s enforcement process, which could result in suspension or permanent revocation of their CFP®. Item 3 – Disciplinary Information There are no legal, civil, or disciplinary events to disclose regarding Mr. Bowman. Mr. Bowman has never been involved in any regulatory, civil, or criminal action. There have been no client complaints, lawsuits, arbitration claims, or administrative proceedings against Mr. Bowman. 59 Lifeworks Advisors, LLC | 4095 Park East Ct. Suite C, Grand Rapids, MI 49546 | (616) 200-6512 | www.lifeworksadvisors.com  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. Bowman. However, we do encourage you to independently view the background of Mr. Bowman on the Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with his full name or his Individual CRD# 6169033. Item 4 – Other Business Activities Insurance Agency Affiliations Mr. Bowman is also a licensed insurance professional. Implementations of insurance recommendations are separate and apart from Mr. Bowman’s role with Lifeworks. As an insurance professional, Mr. Bowman will receive customary commissions and other related revenues from the various insurance companies whose products are sold. Mr. Bowman is not required to offer the products of any particular insurance company. Commissions generated by insurance sales do not offset regular advisory fees. This practice presents a conflict of interest in recommending certain products of insurance companies. Clients are under no obligation to implement any recommendations made by Mr. Bowman or the Advisor. Mr. Bowman spends approximately 10% of his time per month in this capacity. Item 5 – Additional Compensation Mr. Bowman has additional business activities where compensation is received that are detailed in Item 4 above. Item 6 – Supervision Mr. Bowman serves as the Lead Advisor of Lifeworks and is supervised by Kurt Van Dyken, the Chief Compliance Officer. Mr. Van Dyken can be reached at (616) 200-6512. Lifeworks has implemented a Code of Ethics, an internal compliance document that guides each Supervised Person in meeting their fiduciary obligations to Clients of Lifeworks. Further, Lifeworks is subject to regulatory oversight by various agencies. These agencies require registration by Lifeworks and its Supervised Persons. As a registered entity, Lifeworks is subject to examinations by regulators, which may be announced or unannounced. Lifeworks 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. 60 Lifeworks Advisors, LLC | 4095 Park East Ct. Suite C, Grand Rapids, MI 49546 | (616) 200-6512 | www.lifeworksadvisors.com  Form ADV Part 2B – Brochure Supplement for Frank G. O’Hara Lead Advisor Effective: September 23, 2025 This Form ADV 2B (“Brochure Supplement”) provides information about the background and qualifications of Frank G. O'Hara (CRD# 1783126) in addition to the information contained in the Lifeworks Advisors, LLC (“Lifeworks” or the “Advisor,” CRD# 288255) Disclosure Brochure. If you have not received a copy of the Disclosure Brochure or if you have any questions about the contents of the Lifeworks Advisors Disclosure Brochure or this Brochure Supplement, please contact the Advisor at (616) 200-6512. Additional information about Mr. O'Hara is available on the SEC’s Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with his full name or his individual CRD# 1783126. 61 Lifeworks Advisors, LLC | 4095 Park East Ct. Suite C, Grand Rapids, MI 49546 | (616) 200-6512 | www.lifeworksadvisors.com  Item 2 – Educational Background and Business Experience Frank G. O'Hara, born in 1961, is dedicated to advising Clients of Lifeworks as a Lead Advisor. Mr. O'Hara earned a Bachelor of Science degree in Business and Finance from Mount Saint Mary's University in 1983. Additional information regarding Mr. O'Hara’s employment history is included below. Employment History: 02/2023 to Present 01/2021 to 03/2023 Lead Advisor, Lifeworks Advisors, LLC Partner, Kristine A. Boelte & Associates, LLC dba Boelte O’Hara Wealth Management Registered Representative, Purshe Kaplan Sterling Investments, Inc. Retired, Retired Managing Director, Pacer Financial, Inc. Director, Account Management & Enterprise Sales, Verisign 11/2021 12/2022 01/2020 to 12/2020 09/2019 to 12/2019 05/2008 to 07/2019 Item 3 – Disciplinary Information There are no legal, civil, or disciplinary events to disclose regarding Mr. O'Hara. Mr. O'Hara has never been involved in any regulatory, civil, or criminal action. There have been no client complaints, lawsuits, arbitration claims, or administrative proceedings against Mr. O'Hara. 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. O'Hara. However, we do encourage you to independently view the background of Mr. O'Hara on the Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with his full name or his individual CRD# 1783126. Item 4 – Other Business Activities Insurance Agency Affiliations Mr. O'Hara is also a licensed insurance professional. Implementations of insurance recommendations are separate and apart from Mr. O'Hara’s role with Lifeworks. As an insurance professional, Mr. O'Hara will receive customary commissions and other related revenues from the various insurance companies whose products are sold. Mr. O'Hara is not required to offer the products of any particular insurance company. Commissions generated by insurance sales do not offset regular advisory fees. This practice presents a conflict of interest in recommending certain products of insurance companies. Clients are under no obligation to implement any recommendations made by Mr. O'Hara or the Advisor. Mr. O'Hara spends approximately 5% of his time per month in this capacity. Item 5 – Additional Compensation Ms. Lloyd has additional business activities where compensation is received that are detailed in Item 4 above. Item 6 – Supervision Ms. Lloyd serves as a Lead Advisor of Lifeworks and is supervised by Kurt Van Dyken, the Chief Compliance Officer. Mr. Van Dyken can be reached at (616) 200-6512. Lifeworks has implemented a Code of Ethics, an internal compliance document that guides each Supervised Person in meeting their fiduciary obligations to Clients of Lifeworks. Further, Lifeworks is subject to regulatory oversight by various agencies. These agencies require registration by Lifeworks and its Supervised Persons. As a registered entity, Lifeworks is subject to examinations by regulators, which may be announced or unannounced. Lifeworks 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. 62 Lifeworks Advisors, LLC | 4095 Park East Ct. Suite C, Grand Rapids, MI 49546 | (616) 200-6512 | www.lifeworksadvisors.com  Form ADV Part 2B – Brochure Supplement for dba Epic Income Advisors Jonathan M. Spatz Investment Advisor Representative Effective: September 23, 2025 This Form ADV 2B (“Brochure Supplement”) provides information about the background and qualifications of Jonathan M. Spatz (CRD# 4161821), in addition to the information contained in the Lifeworks Advisors, LLC (“Lifeworks” or the “Advisor,” CRD# 288255) Disclosure Brochure. If you have not received a copy of the Disclosure Brochure or if you have any questions about the contents of the Lifeworks Disclosure Brochure or this Brochure Supplement, please contact the Advisor at (616) 200-6512. Additional information about Mr. Spatz is available on the SEC’s Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with his full name or individual CRD# 4161821. 63 Lifeworks Advisors, LLC | 4095 Park East Ct. Suite C, Grand Rapids, MI 49546 | (616) 200-6512 | www.lifeworksadvisors.com  64 Lifeworks Advisors, LLC | 4095 Park East Ct. Suite C, Grand Rapids, MI 49546 | (616) 200-6512 | www.lifeworksadvisors.com  Item 2 – Educational Background and Business Experience Jonathan M. Spatz, born in 1977, is dedicated to advising Clients of Lifeworks as an Investment Advisor Representative. Mr. Spatz earned a Bachelor of Science degree in Finance and Banking from Appalachian State University in 199. Additional information regarding Mr. Spatz’s employment history is included below. Employment History: Investment Advisor Representative, Lifeworks Advisors, LLC Owner/Insurance Agent, Spatz Delmonico, LLC Owner/CEO, Epic Income Advisors, LLC Insurance Agent, Benefit Solutions, Inc. Investment Advisor Representative, Brookstone Wealth Advisors LLC Investment Advisor Representative, Insight Folios Investment Advisor Representative, Formulafolio Investments LLC Investment Advisor Representative, Epic Financial Advisors Registered Representative, Voya Financial Advisors Registered Representative, ING Financial partners Investment Advisor Representative, WFG Advisors LP 02/2023 to Present 05/2020 to Present 02/2016 to Present 01/2015 to Present 04/2022 to 02/2023 05/2021 to 04/2022 01/2019 to 05/2021 08/2016 to 12/2018 01/2014 to 07/2016 12/2013 to 09/2014 05/2008 to 12/2013 Item 3 – Disciplinary Information There are no legal, civil, or disciplinary events to disclose regarding Mr. Spatz. Mr. Spatz has never been involved in any regulatory, civil, or criminal action. There have been no client complaints, lawsuits, arbitration claims, or administrative proceedings against Mr. Spatz. 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. Spatz. However, we do encourage you to independently view the background of Mr. Spatz on the Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with his full name or individual CRD# 4161821. Item 4 – Other Business Activities Insurance Agency Affiliations Mr. Spatz is also a licensed insurance professional. Implementations of insurance recommendations are separate and apart from Mr. Spatz’s role with Lifeworks. As an insurance professional, Mr. Spatz will receive customary commissions and other related revenues from the various insurance companies whose products are sold. Mr. Spatz is not required to offer the products of any particular insurance company. Commissions generated by insurance sales do not offset regular advisory fees. This practice presents a conflict of interest in recommending certain products of insurance companies. Clients are under no obligation to implement any recommendations made by Mr. Spatz or the Advisor. Mr. Spatz spends approximately 10% of his time per month in this capacity. Epic Income Advisors, LLC Mr. Spatz is also the Owner and Chief Executive Officer of Epic Income Advisors, LLC. Investment advisory services are not offered through this entity. Mr. Spatz spends approximately 10 hours per month in this capacity. Spatz Delmonico, LLC Mr. Spatz is also a Partial Owner and Insurance Agent of Spatz Delmonico, LLC. Investment advisory services are not offered through this entity. Mr. Spatz spends approximately five (5) hours per month in this capacity. Item 5 – Additional Compensation Mr. Spatz has additional business activities where compensation is received that are detailed in Item 4 above. 65 Lifeworks Advisors, LLC | 4095 Park East Ct. Suite C, Grand Rapids, MI 49546 | (616) 200-6512 | www.lifeworksadvisors.com  Item 6 – Supervision Mr. Spatz serves as an Investment Advisor Representative of Lifeworks and is supervised by Kurt Van Dyken, the Chief Compliance Officer. Mr. Van Dyken can be reached at (616) 200-6512. Lifeworks has implemented a Code of Ethics, an internal compliance document that guides each Supervised Person in meeting their fiduciary obligations to Clients of Lifeworks. Further, Lifeworks is subject to regulatory oversight by various agencies. These agencies require registration by Lifeworks and its Supervised Persons. As a registered entity, Lifeworks is subject to examinations by regulators, which may be announced or unannounced. Lifeworks 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. 66 Lifeworks Advisors, LLC | 4095 Park East Ct. Suite C, Grand Rapids, MI 49546 | (616) 200-6512 | www.lifeworksadvisors.com  Form ADV Part 2B – Brochure Supplement for Ian Wardle Financial Advisor Effective: September 23, 2025 This Form ADV 2B (“Brochure Supplement”) provides information about the background and qualifications of Ian Wardle (CRD# 6256398) in addition to the information contained in the Lifeworks Advisors, LLC (“Lifeworks” or the “Advisor”, CRD# 288255) Disclosure Brochure. If you have not received a copy of the Disclosure Brochure or if you have any questions about the contents of the Lifeworks Disclosure Brochure or this Brochure Supplement, please contact the Advisor at (616) 200-6512. Additional information about Mr. Wardle is available on the SEC’s Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with his full name or his Individual CRD# 6256398. 67 Lifeworks Advisors, LLC | 4095 Park East Ct. Suite C, Grand Rapids, MI 49546 | (616) 200-6512 | www.lifeworksadvisors.com  Item 2 – Educational Background and Business Experience Ian Wardle, born in 1991, is dedicated to advising Clients of Lifeworks as a Financial Advisor. Mr. Wardle earned a Bachelors from University of California Riverside in 2014. Additional information regarding Mr. Wardle’s employment history is included below. Employment History: Financial Advisor, Lifeworks Advisors LLC Investment Adviser Representative, McIlrath & Eck, LLC Representative, Northwestern Mutual Wealth Management Company Registered Representative, Northwestern Mutual Investment Services, LLC Agent, Northwestern Mutual Life Insurance Company Sole Proprietor, Fitness Products Sales Student, University of California Riverside 03/2023 to Present 07/2022 to 03/2023 10/2017 to 07/2022 06/2015 to 07/2022 02/2014 to 07/2022 01/2019 to 06/2021 09/2009 to 06/2014 Item 3 – Disciplinary Information There are no legal, civil or disciplinary events to disclose regarding Mr. Wardle. Mr. Wardle has never been involved in any regulatory, civil or criminal action. There have been no client complaints, lawsuits, arbitration claims or administrative proceedings against Mr. Wardle. 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. Wardle. However, we do encourage you to independently view the background of Mr. Wardle on the Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with his full name or his Individual CRD# 6256398. Item 4 – Other Business Activities Insurance Agency Affiliations Mr. Wardle is also a licensed insurance professional. Implementations of insurance recommendations are separate and apart from Mr. Wardle’s role with Lifeworks. As an insurance professional, Mr. Wardle will receive customary commissions and other related revenues from the various insurance companies whose products are sold. Mr. Wardle is not required to offer the products of any particular insurance company. Commissions generated by insurance sales do not offset regular advisory fees. This practice presents a conflict of interest in recommending certain products of the insurance companies. Clients are under no obligation to implement any recommendations made by Mr. Wardle or the Advisor. Mr. Wardle spends approximately 20 hours of his time per month in this capacity. Item 5 – Additional Compensation Mr. Wardle has additional business activities where compensation is received that are detailed in Item 4 above. Item 6 – Supervision Mr. Wardle serves as a Financial Advisor of Lifeworks and is supervised by Kurt Van Dyken, the Chief Compliance Officer. Mr. Van Dyken can be reached at (616) 200-6512. Lifeworks has implemented a Code of Ethics, an internal compliance document that guides each Supervised Person in meeting their fiduciary obligations to Clients of Lifeworks. Further, Lifeworks is subject to regulatory oversight by various agencies. These agencies require registration by Lifeworks and its Supervised Persons. As a registered entity, Lifeworks is subject to examinations by regulators, which may be announced or unannounced. Lifeworks 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. 68 Lifeworks Advisors, LLC | 4095 Park East Ct. Suite C, Grand Rapids, MI 49546 | (616) 200-6512 | www.lifeworksadvisors.com  Form ADV Part 2B – Brochure Supplement for dba Bright Advisers Kevin Luu Private Client Adviser Effective: September 23, 2025 This Form ADV 2B (“Brochure Supplement”) provides information about the background and qualifications of Kevin Luu (CRD# 4433649) in addition to the information contained in the Lifeworks Advisors, LLC (“Lifeworks” or the “Advisor”, CRD# 288255) Disclosure Brochure. If you have not received a copy of the Disclosure Brochure or if you have any questions about the contents of the Lifeworks Disclosure Brochure or this Brochure Supplement, please contact us at (616) 200-6512. Additional information about Mr. Luu is available on the SEC’s Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with his full name or his Individual CRD# 4433649. 69 Lifeworks Advisors, LLC | 4095 Park East Ct. Suite C, Grand Rapids, MI 49546 | (616) 200-6512 | www.lifeworksadvisors.com  Item 2 – Educational Background and Business Experience Kevin Luu, born in 1981, is dedicated to advising Clients of Lifeworks as a Private Client Adviser. Mr. Luu attended a financial planning certification program at Pepperdine Graziadio Business School in 2013. Mr. Luu also earned a High School Diploma from Claremont High School in 1999. Additional information regarding Mr. Luu’s employment history is included below. Employment History: Private Client Adviser, Lifeworks Advisors, LLC d/b/a Bright Advisers Managing Member / Investment Advisor Representative, Bright Advisers, LLC 04/2023 to Present 01/2017 to 12/2023 Item 3 – Disciplinary Information There are no legal, civil or disciplinary events to disclose regarding Mr. Luu. Mr. Luu has never been involved in any regulatory, civil or criminal action. There have been no client complaints, lawsuits, arbitration claims or administrative proceedings against Mr. Luu. 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. Luu. However, we do encourage you to independently view the background of Mr. Luu on the Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with his full name or his Individual CRD# 4433649. Item 4 – Other Business Activities Mr. Luu is dedicated to the investment advisory activities of Lifework’s Clients. Mr. Luu does not have any other business activities. Item 5 – Additional Compensation Mr. Luu is dedicated to the investment advisory activities of Lifework’s Clients. Mr. Luu does not receive any additional forms of compensation. Item 6 – Supervision Mr. Luu serves as a Private Client Adviser of Lifeworks and is supervised by Kurt Van Dyken, the Chief Compliance Officer. Mr. Van Dyken can be reached at (616) 200-6512. Lifeworks has implemented a Code of Ethics, an internal compliance document that guides each Supervised Person in meeting their fiduciary obligations to Clients of Lifeworks. Further, Lifeworks is subject to regulatory oversight by various agencies. These agencies require registration by Lifeworks and its Supervised Persons. As a registered entity, Lifeworks is subject to examinations by regulators, which may be announced or unannounced. Lifeworks 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. 70 Lifeworks Advisors, LLC | 4095 Park East Ct. Suite C, Grand Rapids, MI 49546 | (616) 200-6512 | www.lifeworksadvisors.com  Form ADV Part 2B – Brochure Supplement for dba ThriveAlike Sean R. Sullivan, CFS® Lead Advisor Effective: September 23, 2025 This Form ADV 2B (“Brochure Supplement”) provides information about the background and qualifications of Sean R. Sullivan, CFS® (CRD# 4769711) in addition to the information contained in the Lifeworks Advisors, LLC (“Lifeworks” or the “Advisor”, CRD# 288255) Disclosure Brochure. If you have not received a copy of the Disclosure Brochure or if you have any questions about the contents of the Lifeworks Disclosure Brochure or this Brochure Supplement, please contact us at (616) 200-6512. Additional information about Mr. Sullivan is available on the SEC’s Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with his full name or his Individual CRD# 4769711. 71 Lifeworks Advisors, LLC | 4095 Park East Ct. Suite C, Grand Rapids, MI 49546 | (616) 200-6512 | www.lifeworksadvisors.com  Item 2 – Educational Background and Business Experience Sean R. Sullivan, CFS®, born in 1981, is dedicated to advising Clients of Lifeworks as a Lead Advisor. Mr. Sullivan earned a Bachelor's from Iona University in 2003. Additional information regarding Mr. Sullivan’s employment history is included below. Employment History: Lead Advisor, Lifeworks Advisors, LLC Investment Adviser Representative, Arete Wealth Advisors, LLC Registered Representative, Arete Wealth Management, LLC Investment Advisor Representative, National Asset Management Registered Representative, National Securities Corp. 07/2023 to Present 07/2022 to 07/2023 07/2022 to 07/2023 09/2017 to 07/2022 09/2017 to 07/2022 Certified Fund Specialist™ (“CFS®”) Individuals who hold the CFS® designation have completed a course of study across six modules to develop a strong working knowledge of: closed-end funds and similar investments • mutual funds, ETF, and REITs • • advanced fund analysis and selection • asset allocation and portfolio construction To receive the designation, the candidate must meet the following requirements: 1) either a bachelor's degree or 2,000 hours of financial services work experience, 2) pass three exams and complete a case study, and 3) complete 30 hours of continuing education every two years. Item 3 – Disciplinary Information There are no legal, civil or disciplinary events to disclose regarding Mr. Sullivan. Mr. Sullivan has never been involved in any regulatory, civil or criminal action. There have been no client complaints, lawsuits, arbitration claims or administrative proceedings against Mr. Sullivan. 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. Sullivan. However, we do encourage you to independently view the background of Mr. Sullivan on the Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with his full name or his Individual CRD# 4769711. Item 4 – Other Business Activities Insurance Agency Affiliations Mr. Sullivan is also a licensed insurance professional. Implementations of insurance recommendations are separate and apart from Mr. Sullivan’s role with Lifeworks. As an insurance professional, Mr. Sullivan will receive customary commissions and other related revenues from the various insurance companies whose products are sold. Mr. Sullivan is not required to offer the products of any particular insurance company. Commissions generated by insurance sales do not offset regular advisory fees. This practice presents a conflict of interest in recommending certain products of the insurance companies. Clients are under no obligation to implement any recommendations made by Mr. Sullivan or the Advisor. Mr. Sullivan spends approximately 10% of his time per month in this capacity. Item 5 – Additional Compensation Mr. Sullivan has additional business activities where compensation is received that are detailed in Item 4 above. 72 Lifeworks Advisors, LLC | 4095 Park East Ct. Suite C, Grand Rapids, MI 49546 | (616) 200-6512 | www.lifeworksadvisors.com  Item 6 – Supervision Mr. Sullivan serves as a Lead Advisor of Lifeworks and is supervised by Kurt Van Dyken, the Chief Compliance Officer. Mr. Van Dyken can be reached at (616) 200-6512. Lifeworks has implemented a Code of Ethics, an internal compliance document that guides each Supervised Person in meeting their fiduciary obligations to Clients of Lifeworks. Further, Lifeworks is subject to regulatory oversight by various agencies. These agencies require registration by Lifeworks and its Supervised Persons. As a registered entity, Lifeworks is subject to examinations by regulators, which may be announced or unannounced. Lifeworks 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. 73 Lifeworks Advisors, LLC | 4095 Park East Ct. Suite C, Grand Rapids, MI 49546 | (616) 200-6512 | www.lifeworksadvisors.com  Form ADV Part 2B – Brochure Supplement for Matthew B. Mullowney, CPFA® Financial Advisor Effective: September 23, 2025 This Form ADV 2B (“Brochure Supplement”) provides information about the background and qualifications of Matthew B. Mullowney, CPFA® (CRD# 6253631) in addition to the information contained in the Lifeworks Advisors, LLC (“Lifeworks” or the “Advisor”, CRD# 288255) Disclosure Brochure. If you have not received a copy of the Disclosure Brochure or if you have any questions about the contents of the Lifeworks Disclosure Brochure or this Brochure Supplement, please contact us at (616) 200-6512. Additional information about Mr. Mullowney is available on the SEC’s Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with his full name or his Individual CRD# 6253631. 74 Lifeworks Advisors, LLC | 4095 Park East Ct. Suite C, Grand Rapids, MI 49546 | (616) 200-6512 | www.lifeworksadvisors.com  Item 2 – Educational Background and Business Experience Matthew B. Mullowney, CPFA®, born in 1982, is dedicated to advising Clients of Lifeworks as a Financial Advisor. Mr. Mullowney earned an Associates Degree of Occupational Studies in Culinary Arts from Scottsdale Culinary Institute in 2003. Additional information regarding Mr. Mullowney’s employment history is included below. Employment History: 09/2023 to Present 08/2019 to 09/2023 Financial Advisor, Lifeworks Advisors, LLC Investment Advisor Representative, Financial Advocates Investment Management Registered Representative, LPL Financial LLC Registered Representative, Woodbury Financial Services Registered Representative, Wells Fargo Advisors 09/2019 to 09/2023 01/2016 to 07/2019 09/2014 to 01/2016 Certified Plan Fiduciary Advisor (“CPFA®”) Credential The Certified Plan Fiduciary Advisor credential, offered by the National Association of Plan Advisors (NAPA), was developed by some of the nation’s leading advisors and retirement plan experts. Plan advisors who earn their CPFA demonstrate the expertise required to act as a plan fiduciary or help plan fiduciaries manage their roles and responsibilities. The NAPA CPFA coursework covers four key areas: 1. ERISA Fiduciary Roles and Responsibilities; 2. ERISA Fiduciary Oversight; 3. ERISA Plan Investment Management; and 4. ERISA Plan Management. To earn the CPFA credential, candidates must pass a three hour, proctored, CPFA examination. In order to maintain the credential, holders of CPFA must earn 20 continuing education credits every two-year cycle. Two of the credits must include ethics / professionalism topics. Item 3 – Disciplinary Information There are no legal, civil or disciplinary events to disclose regarding Mr. Mullowney. Mr. Mullowney has never been involved in any regulatory, civil or criminal action. There have been no client complaints, lawsuits, arbitration claims or administrative proceedings against Mr. Mullowney. 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. Mullowney. However, we do encourage you to independently view the background of Mr. Mullowney on the Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with his full name or his Individual CRD# 6253631. Item 4 – Other Business Activities Insurance Agency Affiliations Mr. Mullowney is also a licensed insurance professional. Implementations of insurance recommendations are separate and apart from Mr. Mullowney’s role with Lifeworks. As an insurance professional, Mr. Mullowney will receive customary commissions and other related revenues from the various insurance companies whose products are sold. Mr. Mullowney is not required to offer the products of any particular insurance company. Commissions generated by insurance sales do not offset regular advisory fees. This practice presents a conflict of interest in recommending certain products of the insurance companies. Clients are under no obligation to implement any recommendations made by Mr. Mullowney or the Advisor. Mr. Mullowney spends approximately 10% of his time per month in this capacity. Item 5 – Additional Compensation Mr. Mullowney has additional business activities where compensation is received that are detailed in Item 4 above. 75 Lifeworks Advisors, LLC | 4095 Park East Ct. Suite C, Grand Rapids, MI 49546 | (616) 200-6512 | www.lifeworksadvisors.com  Item 6 – Supervision Mr. Mullowney serves as a Financial Advisor of Lifeworks and is supervised by Kurt Van Dyken, the Chief Compliance Officer. Mr. Van Dyken can be reached at (616) 200-6512. Lifeworks has implemented a Code of Ethics, an internal compliance document that guides each Supervised Person in meeting their fiduciary obligations to Clients of Lifeworks. Further, Lifeworks is subject to regulatory oversight by various agencies. These agencies require registration by Lifeworks and its Supervised Persons. As a registered entity, Lifeworks is subject to examinations by regulators, which may be announced or unannounced. Lifeworks 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. 76 Lifeworks Advisors, LLC | 4095 Park East Ct. Suite C, Grand Rapids, MI 49546 | (616) 200-6512 | www.lifeworksadvisors.com  Form ADV Part 2B – Brochure Supplement for Mark G. Hemenway, CFP® Financial Advisor Effective: September 23, 2025 This Form ADV 2B (“Brochure Supplement”) provides information about the background and qualifications of Mark G. Hemenway, CFP® (CRD# 7306989) in addition to the information contained in the Lifeworks Advisors, LLC (“Lifeworks” or the “Advisor”, CRD# 288255) Disclosure Brochure. If you have not received a copy of the Disclosure Brochure or if you have any questions about the contents of the Lifeworks Disclosure Brochure or this Brochure Supplement, please contact us at (616) 200-6512. Additional information about Mr. Hemenway is available on the SEC’s Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with his full name or his Individual CRD# 7306989. 77 Lifeworks Advisors, LLC | 4095 Park East Ct. Suite C, Grand Rapids, MI 49546 | (616) 200-6512 | www.lifeworksadvisors.com  Item 2 – Educational Background and Business Experience Mark G. Hemenway, CFP® born in 1976, is dedicated to advising Clients of Lifeworks as a Financial Advisor. Mr. Hemenway earned a Bachelors Degree from Salem State University in 2009. Additional information regarding Mr. Hemenway’s employment history is included below. Employment History: Financial Advisor, Lifeworks Advisors, LLC Financial Advisor, Bankers Life Advisory Services Financial Representative, Bankers Life Securities Insurance Agent, Bankers Life Unemployed Operations Management, Benenvento Companies 12/2023 to Present 11/2020 to 12/2023 11/2020 to 12/2023 08/2020 to 12/2023 04/2020 to 07/2020 05/2009 to 04/2020 CERTIFIED FINANCIAL PLANNER™ (“CFP®”) The CERTIFIED FINANCIAL PLANNER™, CFP®, and federally registered CFP® (with flame design) marks (collectively, the “CFP® marks”) are professional certification marks granted in the United States by CERTIFIED FINANCIAL PLANNER™ Board of Standards, Inc. (“CFP® Board”). The CFP® certification is a voluntary certification; no federal or state law or regulation requires financial planners to hold CFP® certification. It is recognized in the United States and a number of other countries for its (1) high standard of professional education; (2) stringent code of conduct and standards of practice; and (3) ethical requirements that govern professional engagements with clients. Currently, more than 87,000 individuals have obtained CFP® certification in the United States. To attain the right to use the CFP® marks, an individual must satisfactorily fulfill the following requirements: • Education – Complete an advanced college-level course of study addressing the financial planning subject areas that CFP Board’s studies have determined as necessary for the competent and professional delivery of financial planning services, and attain a Bachelor’s Degree from a regionally accredited United States college or university (or its equivalent from a foreign university). CFP Board’s financial planning subject areas include insurance planning and risk management, employee benefits planning, investment planning, income tax planning, retirement planning, and estate planning; • Examination – Pass the comprehensive CFP® Certification Examination. The examination includes case studies and client scenarios designed to test one’s ability to correctly diagnose financial planning issues and apply one’s knowledge of financial planning to real-world circumstances; • Experience – Complete at least three years of full-time financial planning-related experience (or the equivalent, measured as 2,000 hours per year); and • Ethics – Agree to be bound by CFP Board’s Standards of Professional Conduct, a set of documents outlining the ethical and practice standards for CFP® professionals. Individuals who become certified must complete the following ongoing education and ethics requirements in order to maintain the right to continue to use the CFP® marks: • Continuing Education – Complete 30 hours of continuing education hours every two years, including two hours on the Code of Ethics and other parts of the Standards of Professional Conduct, to maintain competence and keep up with developments in the financial planning field; and • Ethics – Renew an agreement to be bound by the Standards of Professional Conduct. The Standards prominently require that CFP® professionals provide financial planning services at a fiduciary standard of care. This means CFP® professionals must provide financial planning services in the best interests of their clients. CFP® professionals who fail to comply with the above standards and requirements may be subject to CFP Board’s enforcement process, which could result in suspension or permanent revocation of their CFP®. 78 Lifeworks Advisors, LLC | 4095 Park East Ct. Suite C, Grand Rapids, MI 49546 | (616) 200-6512 | www.lifeworksadvisors.com  Item 3 – Disciplinary Information There are no legal, civil or disciplinary events to disclose regarding Mr. Hemenway. Mr. Hemenway has never been involved in any regulatory, civil or criminal action. There have been no client complaints, lawsuits, arbitration claims or administrative proceedings against Mr. Hemenway. 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. Hemenway. However, we do encourage you to independently view the background of Mr. Hemenway on the Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with his full name or his Individual CRD# 7306989. Item 4 – Other Business Activities Mr. Hemenway is dedicated to the investment advisory activities of Lifeworks’s Clients. Mr. Hemenway does not have any other business activities. Item 5 – Additional Compensation Mr. Hemenway is dedicated to the investment advisory activities of Lifeworks’s Clients. Mr. Hemenway does not receive any additional forms of compensation. Item 6 – Supervision Mr. Hemenway serves as a Financial Advisor of Lifeworks and is supervised by Kurt Van Dyken, the Chief Compliance Officer. Mr. Van Dyken can be reached at (616) 200-6512. Lifeworks has implemented a Code of Ethics, an internal compliance document that guides each Supervised Person in meeting their fiduciary obligations to Clients of Lifeworks. Further, Lifeworks is subject to regulatory oversight by various agencies. These agencies require registration by Lifeworks and its Supervised Persons. As a registered entity, Lifeworks is subject to examinations by regulators, which may be announced or unannounced. Lifeworks 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. 79 Lifeworks Advisors, LLC | 4095 Park East Ct. Suite C, Grand Rapids, MI 49546 | (616) 200-6512 | www.lifeworksadvisors.com  Form ADV Part 2B – Brochure Supplement for Robert R. Caldwell Advisor dba North Corner Wealth 615-219-9428 | www.northcornerwealth.com Effective: September 23, 2025 This Form ADV 2B (“Brochure Supplement”) provides information about the background and qualifications of Robert R. Caldwell (CRD# 7024826) in addition to the information contained in the Lifeworks Advisors, LLC (“Lifeworks” or the “Advisor”, CRD# 288255) Disclosure Brochure. If you have not received a copy of the Disclosure Brochure or if you have any questions about the contents of the Lifeworks Disclosure Brochure or this Brochure Supplement, please contact us at (616) 200-6512. Additional information about Mr. Caldwell is available on the SEC’s Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with his full name or his Individual CRD# 7024826. 80 Lifeworks Advisors, LLC | 4095 Park East Ct. Suite C, Grand Rapids, MI 49546 | (616) 200-6512 | www.lifeworksadvisors.com  Item 2 – Educational Background and Business Experience Robert R. Caldwell, born in 1987, is dedicated to advising Clients of Lifeworks as an Advisor. Mr. Caldwell earned a B.S. in Finance from Butler University in 2010. Additional information regarding Mr. Caldwell’s employment history is included below. Employment History: Advisor, Lifeworks Advisors, LLC Director of Investment Strategy, Greensview Wealth Front of House Employee, Server, Taco Mamacita Soccer Field Prep, First Presbyterian Church Bag Room Employee, Belle Meade Country Club Youth Golf Coach, TGA Sports Extended Travel of USA and SE Asia, Extended Travel Investment Analyst, Morningstar, Inc. 01/2024 to Present 06/2018 to 12/2023 12/2017 to 12/2018 03/2018 to 08/2018 02/2018 to 05/2018 02/2018 to 05/2018 09/2017 to 12/2017 03/2015 to 08/2017 Item 3 – Disciplinary Information There are no legal, civil or disciplinary events to disclose regarding Mr. Caldwell. Mr. Caldwell has never been involved in any regulatory, civil or criminal action. There have been no client complaints, lawsuits, arbitration claims or administrative proceedings against Mr. Caldwell. 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. Caldwell. However, we do encourage you to independently view the background of Mr. Caldwell on the Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with his full name or his Individual CRD# 7024826. Item 4 – Other Business Activities Insurance Agency Affiliations Mr. Caldwell is also a licensed insurance professional. Implementations of insurance recommendations are separate and apart from Mr. Caldwell’s role with Lifeworks. As an insurance professional, Mr. Caldwell will receive customary commissions and other related revenues from the various insurance companies whose products are sold. Mr. Caldwell is not required to offer the products of any particular insurance company. Commissions generated by insurance sales do not offset regular advisory fees. This practice presents a conflict of interest in recommending certain products of the insurance companies. Clients are under no obligation to implement any recommendations made by Mr. Caldwell or the Advisor. Mr. Caldwell spends approximately less than 5% of his time per month in this capacity. Item 5 – Additional Compensation Mr. Caldwell has additional business activities where compensation is received that are detailed in Item 4 above. Item 6 – Supervision Mr. Caldwell serves as an Advisor of Lifeworks and is supervised by Kurt Van Dyken, the Chief Compliance Officer. Mr. Van Dyken can be reached at (616) 200-6512. Lifeworks has implemented a Code of Ethics, an internal compliance document that guides each Supervised Person in meeting their fiduciary obligations to Clients of Lifeworks. Further, Lifeworks is subject to regulatory oversight by various agencies. These agencies require registration by Lifeworks and its Supervised Persons. As a registered entity, Lifeworks is subject to examinations by regulators, which may be announced or unannounced. Lifeworks 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. 81 Lifeworks Advisors, LLC | 4095 Park East Ct. Suite C, Grand Rapids, MI 49546 | (616) 200-6512 | www.lifeworksadvisors.com  Form ADV Part 2B – Brochure Supplement for Derek A. Ghia, CFP®, CIMA® Advisor dba North Corner Wealth (615) 200-6081 | www.northcornerwealth.com Effective: September 23, 2025 This Form ADV 2B (“Brochure Supplement”) provides information about the background and qualifications of Derek A. Ghia (CRD# 5413223) in addition to the information contained in the Lifeworks Advisors, LLC (“Lifeworks” or the “Advisor”, CRD# 288255) Disclosure Brochure. If you have not received a copy of the Disclosure Brochure or if you have any questions about the contents of the Lifeworks Disclosure Brochure or this Brochure Supplement, please contact us at (616) 200-6512. Additional information about Mr. Ghia is available on the SEC’s Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with his full name or his Individual CRD# 5413223. 82 Lifeworks Advisors, LLC | 4095 Park East Ct. Suite C, Grand Rapids, MI 49546 | (616) 200-6512 | www.lifeworksadvisors.com  Item 2 – Educational Background and Business Experience Derek A. Ghia, born in 1984, is dedicated to advising Clients of Lifeworks as an Advisor. Mr. Ghia earned a Bachelor of Science from Ohio State University in 2008 Additional information regarding Mr. Ghia’s employment history is included below. Employment History: Advisor, Lifeworks Advisors, LLC Chief Executive Officer, Greensview Wealth Management Managing Director, Greensview Wealth Management Investment Advisor Representative, United Advisor Services, LLC Regional Sales Director, Morningstart Investment Services 01/2024 to Present 01/2022 to 12/2023 07/2018 to 12/2021 03/2018 to 07/2018 05/2016 to 03/2018 Certified Financial Planner™ (“CFP®”) The CERTIFIED FINANCIAL PLANNER™, CFP® and federally registered CFP® (with flame design) marks (collectively, the “CFP® marks”) are professional certification marks granted in the United States by Certified Financial Planner Board of Standards, Inc. (“CFP® Board”). The CFP® certification is a voluntary certification; no federal or state law or regulation requires financial planners to hold CFP® certification. It is recognized in the United States and a number of other countries for its (1) high standard of professional education; (2) stringent code of conduct and standards of practice; and (3) ethical requirements that govern professional engagements with clients. Currently, more than 71,000 individuals have obtained CFP® certification in the United States. To attain the right to use the CFP® marks, an individual must satisfactorily fulfill the following requirements: • Education – Complete an advanced college-level course of study addressing the financial planning subject areas that CFP® Board’s studies have determined as necessary for the competent and professional delivery of financial planning services, and attain a Bachelor’s Degree from a regionally accredited United States college or university (or its equivalent from a foreign university). CFP ® Board’s financial planning subject areas include insurance planning and risk management, employee benefits planning, investment planning, income tax planning, retirement planning, and estate planning; • Examination – Pass the comprehensive CFP® Certification Examination. The examination includes case studies and client scenarios designed to test one’s ability to correctly diagnose financial planning issues and apply one’s knowledge of financial planning to real world circumstances; • Experience – Complete at least three years of full-time financial planning-related experience (or the equivalent, measured as 2,000 hours per year); and • Ethics – Agree to be bound by CFP® Board’s Standards of Professional Conduct, a set of documents outlining the ethical and practice standards for CFP® professionals. Individuals who become certified must complete the following ongoing education and ethics requirements in order to maintain the right to continue to use the CFP® marks: • Continuing Education – Complete 30 hours of continuing education hours every two years, including two hours on the Code of Ethics and other parts of the Standards of Professional Conduct, to maintain competence and keep up with developments in the financial planning field; and • Ethics – Renew an agreement to be bound by the Standards of Professional Conduct. The Standards prominently require that CFP® professionals provide financial planning services at a fiduciary standard of care. This means CFP® professionals must provide financial planning services in the best interests of their clients. CFP® professionals who fail to comply with the above standards and requirements may be subject to CFP ® Board’s enforcement process, which could result in suspension or permanent revocation of their CFP ® certification. 83 Lifeworks Advisors, LLC | 4095 Park East Ct. Suite C, Grand Rapids, MI 49546 | (616) 200-6512 | www.lifeworksadvisors.com  Certified Investment Management Analyst™ (“CIMA®”) The CIMA® certification signifies that an individual has met initial and ongoing experience, ethical, education, and examination requirements for investment management consulting, including advanced investment management theory and application. To earn CIMA® certification, candidates must: submit an application, pass a background check and have an acceptable regulatory history; pass an online Qualification Examination; complete an in-person or online executive education program at an AACSB® accredited university business school; pass an online Certification Examination; and have an acceptable regulatory history as evidenced by FINRA Form U-4 or other regulatory requirements and have three years of financial services experience at the time of certification. CIMA® certificates must adhere to IMCA’s Code of Professional Responsibility, Standards of Practice, and Rules and Guidelines for Use of the Marks. CIMA® designees must report 40 hours of continuing education credits, including two ethics hours every two years to maintain the certification. The designation is administered through the Investment Management Consultants Association™ (IMCA®). Item 3 – Disciplinary Information There are no legal, civil or disciplinary events to disclose regarding Mr. Ghia. Mr. Ghia has never been involved in any regulatory, civil or criminal action. There have been no client complaints, lawsuits, arbitration claims or administrative proceedings against Mr. Ghia. 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. Ghia. However, we do encourage you to independently view the background of Mr. Ghia on the Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with his full name or his Individual CRD# 5413223. Item 4 – Other Business Activities Insurance Agency Affiliations Mr. Ghia is also a licensed insurance professional. Implementations of insurance recommendations are separate and apart from Mr. Ghia’s role with Lifeworks. As an insurance professional, Mr. Ghia will receive customary commissions and other related revenues from the various insurance companies whose products are sold. Mr. Ghia is not required to offer the products of any particular insurance company. Commissions generated by insurance sales do not offset regular advisory fees. This practice presents a conflict of interest in recommending certain products of the insurance companies. Clients are under no obligation to implement any recommendations made by Mr. Ghia or the Advisor. Mr. Ghia spends approximately less than 5% of his time per month in this capacity. Item 5 – Additional Compensation Mr. Ghia has additional business activities where compensation is received that are detailed in Item 4 above. Item 6 – Supervision Mr. Ghia serves as an Advisor of Lifeworks and is supervised by Kurt Van Dyken, the Chief Compliance Officer. Mr. Van Dyken can be reached at (616) 200-6512. Lifeworks has implemented a Code of Ethics, an internal compliance document that guides each Supervised Person in meeting their fiduciary obligations to Clients of Lifeworks. Further, Lifeworks is subject to regulatory oversight by various agencies. These agencies require registration by Lifeworks and its Supervised Persons. As a registered entity, Lifeworks is subject to examinations by regulators, which may be announced or unannounced. Lifeworks 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. 84 Lifeworks Advisors, LLC | 4095 Park East Ct. Suite C, Grand Rapids, MI 49546 | (616) 200-6512 | www.lifeworksadvisors.com  Form ADV Part 2B – Brochure Supplement for Joshua M. Bennett, CFP® Partner and Director of Relationships Effective: September 23, 2025 This Form ADV 2B (“Brochure Supplement”) provides information about the background and qualifications of Joshua M. Bennett, CFP® (CRD# 6106376) in addition to the information contained in the Lifeworks Advisors, LLC (“Lifeworks” or the “Advisor”, CRD# 288255) Disclosure Brochure. If you have not received a copy of the Disclosure Brochure or if you have any questions about the contents of the Lifeworks Disclosure Brochure or this Brochure Supplement, please contact us at (616) 200-6512. Additional information about Mr. Bennett is available on the SEC’s Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with his full name or his Individual CRD# 6106376. 85 Lifeworks Advisors, LLC | 4095 Park East Ct. Suite C, Grand Rapids, MI 49546 | (616) 200-6512 | www.lifeworksadvisors.com  Item 2 – Educational Background and Business Experience Joshua M. Bennett, CFP®, born in 1987, is dedicated to advising Clients of Lifeworks as a Partner and Director of Relationships. Mr. Bennett earned a BA from Indiana University in 2010. Additional information regarding Mr. Bennett’s employment history is included below. Employment History: Partner and Director of Relationships, Lifeworks Advisors, LLC Founder, CEO, and CCO, Vincere Wealth Management, LLC CFO, Centsibly Inc. Investment Adviser Representative, Surepath Wealth Management, LLC 05/2024 to Present 01/2018 to 10/2024 02/2021 to 07/2022 08/2018 to 02/2019 CERTIFIED FINANCIAL PLANNER™ (“CFP®”) The CERTIFIED FINANCIAL PLANNER™, CFP®, and federally registered CFP® (with flame design) marks (collectively, the “CFP® marks”) are professional certification marks granted in the United States by CERTIFIED FINANCIAL PLANNER™ Board of Standards, Inc. (“CFP® Board”). The CFP® certification is a voluntary certification; no federal or state law or regulation requires financial planners to hold CFP® certification. It is recognized in the United States and a number of other countries for its (1) high standard of professional education; (2) stringent code of conduct and standards of practice; and (3) ethical requirements that govern professional engagements with clients. Currently, more than 87,000 individuals have obtained CFP® certification in the United States. To attain the right to use the CFP® marks, an individual must satisfactorily fulfill the following requirements: • Education – Complete an advanced college-level course of study addressing the financial planning subject areas that CFP Board’s studies have determined as necessary for the competent and professional delivery of financial planning services, and attain a Bachelor’s Degree from a regionally accredited United States college or university (or its equivalent from a foreign university). CFP Board’s financial planning subject areas include insurance planning and risk management, employee benefits planning, investment planning, income tax planning, retirement planning, and estate planning; • Examination – Pass the comprehensive CFP® Certification Examination. The examination includes case studies and client scenarios designed to test one’s ability to correctly diagnose financial planning issues and apply one’s knowledge of financial planning to real-world circumstances; • Experience – Complete at least three years of full-time financial planning-related experience (or the equivalent, measured as 2,000 hours per year); and • Ethics – Agree to be bound by CFP Board’s Standards of Professional Conduct, a set of documents outlining the ethical and practice standards for CFP® professionals. Individuals who become certified must complete the following ongoing education and ethics requirements in order to maintain the right to continue to use the CFP® marks: • Continuing Education – Complete 30 hours of continuing education hours every two years, including two hours on the Code of Ethics and other parts of the Standards of Professional Conduct, to maintain competence and keep up with developments in the financial planning field; and • Ethics – Renew an agreement to be bound by the Standards of Professional Conduct. The Standards prominently require that CFP® professionals provide financial planning services at a fiduciary standard of care. This means CFP® professionals must provide financial planning services in the best interests of their clients. CFP® professionals who fail to comply with the above standards and requirements may be subject to CFP Board’s enforcement process, which could result in suspension or permanent revocation of their CFP®. Item 3 – Disciplinary Information There are no legal, civil or disciplinary events to disclose regarding Mr. Bennett. Mr. Bennett has never been involved in any regulatory, civil or criminal action. There have been no client complaints, lawsuits, arbitration claims or administrative proceedings against Mr. Bennett. 86 Lifeworks Advisors, LLC | 4095 Park East Ct. Suite C, Grand Rapids, MI 49546 | (616) 200-6512 | www.lifeworksadvisors.com  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. Bennett. However, we do encourage you to independently view the background of Mr. Bennett on the Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with his full name or his Individual CRD# 6106376. Item 4 – Other Business Activities Vincere Tax, LLC Mr. Bennett offers tax services through and is an owner of Vincere Tax, LLC (“Vincere Tax”). Vincere Tax collects tax documents, prepares tax returns, and gathers tax basis information to perform reviews and prepare tax filings. These services provided are separate and distinct from investment advisory services provided by the Advisor. The Advisor may recommend that Clients engage Vincere Tax for tax preparation services for a separate fee. However, Clients are under no obligation to utilize the tax services provided by Mr. Bennett. Mr. Bennett spends approximately 20% of his time per month in this capacity. Item 5 – Additional Compensation Mr. Bennett has additional business activities where compensation is received that are detailed in Item 4 above. Item 6 – Supervision Mr. Bennett serves as a Partner and Director of Relationships of Lifeworks and is supervised by Kurt Van Dyken, the Chief Compliance Officer. Mr. Van Dyken can be reached at (616) 200-6512. Lifeworks has implemented a Code of Ethics, an internal compliance document that guides each Supervised Person in meeting their fiduciary obligations to Clients of Lifeworks. Further, Lifeworks is subject to regulatory oversight by various agencies. These agencies require registration by Lifeworks and its Supervised Persons. As a registered entity, Lifeworks is subject to examinations by regulators, which may be announced or unannounced. Lifeworks 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. 87 Lifeworks Advisors, LLC | 4095 Park East Ct. Suite C, Grand Rapids, MI 49546 | (616) 200-6512 | www.lifeworksadvisors.com  Form ADV Part 2B – Brochure Supplement for Peter T. Uihlein, CFP® Senior Advisor Effective: September 23, 2025 This Form ADV 2B (“Brochure Supplement”) provides information about the background and qualifications of Peter T. Uihlein, CFP® (CRD# 5834932) in addition to the information contained in the Lifeworks Advisors, LLC (“Lifeworks” or the “Advisor”, CRD# 288255) Disclosure Brochure. If you have not received a copy of the Disclosure Brochure or if you have any questions about the contents of the Lifeworks Disclosure Brochure or this Brochure Supplement, please contact us at (616) 200-6512. Additional information about Mr. Uihlein is available on the SEC’s Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with his full name or his Individual CRD# 5834932. 88 Lifeworks Advisors, LLC | 4095 Park East Ct. Suite C, Grand Rapids, MI 49546 | (616) 200-6512 | www.lifeworksadvisors.com  Item 2 – Educational Background and Business Experience Peter T. Uihlein, CFP®, born in 1980, is dedicated to advising Clients of Lifeworks as a Senior Advisor. Mr. Uihlein earned a BA from University of Richmond in 2003. Mr. Uihlein also earned an MBA from DePaul University in 2012. Additional information regarding Mr. Uihlein’s employment history is included below. Employment History: 05/2024 to Present 08/2020 to 10/2024 01/2019 to 05/2020 01/2019 to 05/2020 Senior Advisor, Lifeworks Advisors, LLC Senior Wealth Manager/Partner/Managing Director, Vincere Wealth Management, LLC Investment Advisor Representative, Financial Planning Consultants, Inc. Investment Advisor Representative, Raymond James Financial Services Advisors, Inc. Registered Representative, Raymond James Financial Services, Inc. 01/2019 to 05/2020 CERTIFIED FINANCIAL PLANNER™ (“CFP®”) The CERTIFIED FINANCIAL PLANNER™, CFP®, and federally registered CFP® (with flame design) marks (collectively, the “CFP® marks”) are professional certification marks granted in the United States by CERTIFIED FINANCIAL PLANNER™ Board of Standards, Inc. (“CFP® Board”). The CFP® certification is a voluntary certification; no federal or state law or regulation requires financial planners to hold CFP® certification. It is recognized in the United States and a number of other countries for its (1) high standard of professional education; (2) stringent code of conduct and standards of practice; and (3) ethical requirements that govern professional engagements with clients. Currently, more than 87,000 individuals have obtained CFP® certification in the United States. To attain the right to use the CFP® marks, an individual must satisfactorily fulfill the following requirements: • Education – Complete an advanced college-level course of study addressing the financial planning subject areas that CFP Board’s studies have determined as necessary for the competent and professional delivery of financial planning services, and attain a Bachelor’s Degree from a regionally accredited United States college or university (or its equivalent from a foreign university). CFP Board’s financial planning subject areas include insurance planning and risk management, employee benefits planning, investment planning, income tax planning, retirement planning, and estate planning; • Examination – Pass the comprehensive CFP® Certification Examination. The examination includes case studies and client scenarios designed to test one’s ability to correctly diagnose financial planning issues and apply one’s knowledge of financial planning to real-world circumstances; • Experience – Complete at least three years of full-time financial planning-related experience (or the equivalent, measured as 2,000 hours per year); and • Ethics – Agree to be bound by CFP Board’s Standards of Professional Conduct, a set of documents outlining the ethical and practice standards for CFP® professionals. Individuals who become certified must complete the following ongoing education and ethics requirements in order to maintain the right to continue to use the CFP® marks: • Continuing Education – Complete 30 hours of continuing education hours every two years, including two hours on the Code of Ethics and other parts of the Standards of Professional Conduct, to maintain competence and keep up with developments in the financial planning field; and • Ethics – Renew an agreement to be bound by the Standards of Professional Conduct. The Standards prominently require that CFP® professionals provide financial planning services at a fiduciary standard of care. This means CFP® professionals must provide financial planning services in the best interests of their clients. CFP® professionals who fail to comply with the above standards and requirements may be subject to CFP Board’s enforcement process, which could result in suspension or permanent revocation of their CFP®. 89 Lifeworks Advisors, LLC | 4095 Park East Ct. Suite C, Grand Rapids, MI 49546 | (616) 200-6512 | www.lifeworksadvisors.com  Item 3 – Disciplinary Information There are no legal, civil or disciplinary events to disclose regarding Mr. Uihlein. Mr. Uihlein has never been involved in any regulatory, civil or criminal action. There have been no client complaints, lawsuits, arbitration claims or administrative proceedings against Mr. Uihlein. 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. Uihlein. However, we do encourage you to independently view the background of Mr. Uihlein on the Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with his full name or his Individual CRD# 5834932. Item 4 – Other Business Activities Mr. Uihlein is dedicated to the investment advisory activities of Lifework’s Clients. Mr. Uihlein does not have any other business activities. Item 5 – Additional Compensation Mr. Uihlein is dedicated to the investment advisory activities of Lifework’s Clients. Mr. Uihlein does not receive any additional forms of compensation. Item 6 – Supervision Mr. Uihlein serves as a Senior Advisor of Lifeworks and is supervised by Kurt Van Dyken, the Chief Compliance Officer. Mr. Van Dyken can be reached at (616) 200-6512. Lifeworks has implemented a Code of Ethics, an internal compliance document that guides each Supervised Person in meeting their fiduciary obligations to Clients of Lifeworks. Further, Lifeworks is subject to regulatory oversight by various agencies. These agencies require registration by Lifeworks and its Supervised Persons. As a registered entity, Lifeworks is subject to examinations by regulators, which may be announced or unannounced. Lifeworks 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. 90 Lifeworks Advisors, LLC | 4095 Park East Ct. Suite C, Grand Rapids, MI 49546 | (616) 200-6512 | www.lifeworksadvisors.com  Form ADV Part 2B – Brochure Supplement for Renee E. Marinez Associate Advisor Effective: September 23, 2025 This Form ADV 2B (“Brochure Supplement”) provides information about the background and qualifications of Renee E. Marinez (CRD# 6638974) in addition to the information contained in the Lifeworks Advisors, LLC (“Lifeworks” or the “Advisor”, CRD# 288255) Disclosure Brochure. If you have not received a copy of the Disclosure Brochure or if you have any questions about the contents of the Lifeworks Disclosure Brochure or this Brochure Supplement, please contact us at (616) 200-6512. Additional information about Ms. Marinez is available on the SEC’s Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with her full name or her Individual CRD# 6638974. 91 Lifeworks Advisors, LLC | 4095 Park East Ct. Suite C, Grand Rapids, MI 49546 | (616) 200-6512 | www.lifeworksadvisors.com  Item 2 – Educational Background and Business Experience Renee E. Marinez, born in 1996, is dedicated to advising Clients of Lifeworks as an Associate Advisor. Ms. Marinez earned a Bachelor of Arts from University of Cincinnati in 2018. Additional information regarding Ms. Marinez’s employment history is included below. Employment History: 05/2024 to Present 07/2021 to 10/2024 10/2018 to 07/2021 09/2018 to 07/2021 Associate Advisor, Lifeworks Advisors, LLC Financial Planner, Vincere Wealth Management, LLC Investment Advisor Representative, Merrill Lynch, Pierce, Fenner and Smith Incorporated Registered Representative, Merrill Lynch, Pierce, Fenner and Smith Incorporated Item 3 – Disciplinary Information There are no legal, civil or disciplinary events to disclose regarding Ms. Marinez. Ms. Marinez has never been involved in any regulatory, civil or criminal action. There have been no client complaints, lawsuits, arbitration claims or administrative proceedings against Ms. Marinez. 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 Ms. Marinez. However, we do encourage you to independently view the background of Ms. Marinez on the Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with her full name or her Individual CRD# 6638974. Item 4 – Other Business Activities Ms. Marinez is dedicated to the investment advisory activities of Lifeworks’s Clients. Ms. Marinez does not have any other business activities. Item 5 – Additional Compensation Ms. Marinez is dedicated to the investment advisory activities of Lifeworks’s Clients. Ms. Marinez does not receive any additional forms of compensation. Item 6 – Supervision Ms. Marinez serves as an Associate Advisor of Lifeworks and is supervised by Kurt Van Dyken, the Chief Compliance Officer. Mr. Van Dyken can be reached at (616) 200-6512. Lifeworks has implemented a Code of Ethics, an internal compliance document that guides each Supervised Person in meeting their fiduciary obligations to Clients of Lifeworks. Further, Lifeworks is subject to regulatory oversight by various agencies. These agencies require registration by Lifeworks and its Supervised Persons. As a registered entity, Lifeworks is subject to examinations by regulators, which may be announced or unannounced. Lifeworks 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. 92 Lifeworks Advisors, LLC | 4095 Park East Ct. Suite C, Grand Rapids, MI 49546 | (616) 200-6512 | www.lifeworksadvisors.com  Form ADV Part 2B – Brochure Supplement for Ryan D. Koopmans, CEPA®, CRPC® Lead Advisor Effective: September 23, 2025 This Form ADV 2B (“Brochure Supplement”) provides information about the background and qualifications of Ryan D. Koopmans, CEPA®, CRPC® (CRD# 293852) in addition to the information contained in the Lifeworks Advisors, LLC (“Lifeworks” or the “Advisor”, CRD# 288255) Disclosure Brochure. If you have not received a copy of the Disclosure Brochure or if you have any questions about the contents of the Lifeworks Disclosure Brochure or this Brochure Supplement, please contact us at (616) 200-6512. Additional information about Dr. Koopmans is available on the SEC’s Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with [his/her] full name or [his/her] Individual CRD# 293852. 93 Lifeworks Advisors, LLC | 4095 Park East Ct. Suite C, Grand Rapids, MI 49546 | (616) 200-6512 | www.lifeworksadvisors.com  Item 2 – Educational Background and Business Experience Ryan D. Koopmans, CEPA®, CRPC®, born in 1983, is dedicated to advising Clients of Lifeworks as a Lead Advisor. Dr. Koopmans earned a Bachelor of Science in Veterinary Medicine from University of Nebraska in 2008. Dr. Koopmans also earned a Masters of Science in Personal Financial Planning from College for Financial Planning in 2021. Additional information regarding Dr. Koopmans’s employment history is included below. Employment History: Lead Advisor, Lifeworks Advisors, LLC Financial Planner, Vincere Wealth Management, LLC Veterinarian, Antioch Veterinary Hospital Veterinary Officer, US Army Reserve 05/2024 to Present 08/2021 to 10/2024 04/2016 to Present 05/2001 to 12/2023 Certified Exit Planning Advisor™ (“CEPA®”) The Certified Exit Planning Advisor™ and CEPA® are professional certifications marks granted by The Exit Planning Institute®. It is recognized as the designation that business owners look for when looking for a trusted advisor. CEPA® applicants must meet strict requirements, including a minimum of a bachelor’s degree from an accredited U.S. college or university (or the equivalent from a foreign university); completion of the 5-day CEPA® program taught by a faculty of experts; and passing the CEPA® exam consisting of 150 multiple-choice questions. Applicants must also have five years of experience dealing with the owners of privately-held businesses in some advisory capacity. All applicants for the CEPA® program must sign an attestation agreeing to abide by the Code of Ethics and Professional Standards™ of the Exit Planning Institute. CEFA® advisors must complete ongoing continuing professional education and ethics requirements to maintain their certification, with recertification every three years and completing 40 hours of continuing education. More information on the CEPA® designation can be found on the Exit Planning website: www.exit-planning-institute.org Chartered Retirement Planning Counselor™ (“CRPC®”) Individuals who hold the CRPC® designation have completed a course of study encompassing pre-and post- retirement needs, asset management, estate planning, and the entire retirement planning process using models and techniques from real client situations. Additionally, individuals must pass an end-of-course examination that tests their ability to synthesize complex concepts and apply theoretical concepts to real-life situations. All designees have agreed to adhere to Standards of Professional Conduct and are subject to a disciplinary process. Designees renew their designation every two-years by completing 16 hours of continuing education, reaffirming adherence to the Standards of Professional Conduct, and complying with self-disclosure requirements. Item 3 – Disciplinary Information There are no legal, civil or disciplinary events to disclose regarding Dr. Koopmans. Dr. Koopmans has never been involved in any regulatory, civil or criminal action. There have been no client complaints, lawsuits, arbitration claims or administrative proceedings against Dr. Koopmans. 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 Dr. Koopmans. However, we do encourage you to independently view the background of Dr. Koopmans on the Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with [his/her] full name or [his/her] Individual CRD# 293852. 94 Lifeworks Advisors, LLC | 4095 Park East Ct. Suite C, Grand Rapids, MI 49546 | (616) 200-6512 | www.lifeworksadvisors.com  Item 4 – Other Business Activities Antioch Veterinary Hospital Dr. Koopmans is also a Veterinarian at Antioch Veterinary Hospital. In this capacity, Dr. Koopmans serves as a relief veterinarian and performs surgeries and conducts regular appointments. Dr. Koopmans spends approxmiately 10% of his time per month in this capacity. Item 5 – Additional Compensation Dr. Koopmans has additional business activities where compensation is received that are detailed in Item 4 above. Item 6 – Supervision Dr. Koopmans serves as a Lead Advisor of Lifeworks and is supervised by Kurt Van Dyken, the Chief Compliance Officer. Mr. Van Dyken can be reached at (616) 200-6512. Lifeworks has implemented a Code of Ethics, an internal compliance document that guides each Supervised Person in meeting their fiduciary obligations to Clients of Lifeworks. Further, Lifeworks is subject to regulatory oversight by various agencies. These agencies require registration by Lifeworks and its Supervised Persons. As a registered entity, Lifeworks is subject to examinations by regulators, which may be announced or unannounced. Lifeworks 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. 95 Lifeworks Advisors, LLC | 4095 Park East Ct. Suite C, Grand Rapids, MI 49546 | (616) 200-6512 | www.lifeworksadvisors.com  Form ADV Part 2B – Brochure Supplement for Travis W. Buck, AAMS®, AWMA®, EA® Senior Advisor Effective: September 23, 2025 This Form ADV 2B (“Brochure Supplement”) provides information about the background and qualifications of Travis W. Buck, AAMS®, AWMA®, EA® (CRD# 6388246) in addition to the information contained in the Lifeworks Advisors, LLC (“Lifeworks” or the “Advisor”, CRD# 288255) Disclosure Brochure. If you have not received a copy of the Disclosure Brochure or if you have any questions about the contents of the Lifeworks Disclosure Brochure or this Brochure Supplement, please contact us at (616) 200-6512. Additional information about Mr. Buck is available on the SEC’s Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with his full name or his Individual CRD# 6388246. 96 Lifeworks Advisors, LLC | 4095 Park East Ct. Suite C, Grand Rapids, MI 49546 | (616) 200-6512 | www.lifeworksadvisors.com  Item 2 – Educational Background and Business Experience Travis W. Buck, AAMS®, AWMA®, EA®, born in 1986, is dedicated to advising Clients of Lifeworks as a Senior Advisor. Mr. Buck earned a Bachelors of Science - Business Administration from California Polytechnic State University San Luis Opbispo in 2009. Additional information regarding Mr. Buck’s employment history is included below. Employment History: Senior Advisor, Lifeworks Advisors, LLC Senior Wealth Manager, Vincere Wealth Management, LLC Investment Advisor Representative, Charles Schwab & Co., Inc. Registered Representative, Charles Schwab & Co., Inc. 05/2024 to Present 02/2021 to 10/2024 10/2014 to 02/2021 09/2014 to 02/2021 Accredited Asset Management Specialist™ (“AAMS®”) Individuals who hold the AAMS® designation have completed a course of study encompassing investments, insurance, tax, retirement, and estate planning issues. Additionally, individuals must pass an end-of-course examination that tests their ability to synthesize complex concepts and apply theoretical concepts to real-life situations. All designees have agreed to adhere to Standards of Professional Conduct and are subject to a disciplinary process. Designees renew their designation every two-years by completing 16 hours of continuing education, reaffirming adherence to the Standards of Professional Conduct and complying with self-disclosure requirements. Accredited Wealth Management Advisor™ (“AWMA®”) Individuals who hold the AWMA® designation have completed a course of study across eight modules to provide financial advice to high net worth clients, pass the final examination, and complete the designation application. Continued use of the designation is subject to ongoing renewal requirements. Every two years, individuals must renew their right to continue using the designation by: Completing 16 hours of continuing education; Reaffirming to abide by the Standards of Professional Conduct, Terms and Conditions, and a self-disclose any criminal, civil, self-regulatory organization, or governmental agency inquiry, investigation, or proceeding relating to their professional or business conduct; and Paying a biennial renewal fee AWMA® and Accredited Wealth Management Advisor™ are registered service marks of the College for Financial Planning. Enrolled Agent™ (“EA®”) An Enrolled Agent™ (EA®) is a federally-authorized tax practitioner who has technical expertise in the field of taxation and who is empowered by the U.S. Department of the Treasury to represent taxpayers before all administrative levels—examination, collection, and appeals—of the Internal Revenue Service. In addition to taxpayer representation, Enrolled Agents™ often provide tax consultation services and prepare a wide range of federal and state tax returns. Item 3 – Disciplinary Information There are no legal, civil or disciplinary events to disclose regarding Mr. Buck. Mr. Buck has never been involved in any regulatory, civil or criminal action. There have been no client complaints, lawsuits, arbitration claims or administrative proceedings against Mr. Buck. 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. Buck. 97 Lifeworks Advisors, LLC | 4095 Park East Ct. Suite C, Grand Rapids, MI 49546 | (616) 200-6512 | www.lifeworksadvisors.com  However, we do encourage you to independently view the background of Mr. Buck on the Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with his full name or his Individual CRD# 6388246. Item 4 – Other Business Activities Vincere Tax, LLC Mr. Buck also offers tax preparation services. Mr. Buck prepares tax returns, trains employees on complex tax structures, and gives ongoing tax advice to clients of Vincere Tax, LLC. These services provided are separate and distinct from investment advisory services provided by the Advisor. The Advisor may recommend that Clients engage Mr. Bennett for tax preparation services for a separate fee. However, Clients are under no obligation to utilize the tax services provided by Mr. Bennett. Mr. Bennett spends approximately 10% of his time per month in this capacity. Item 5 – Additional Compensation Mr. Buck has additional business activities where compensation is received that are detailed in Item 4 above. Item 6 – Supervision Mr. Buck serves as a Senior Advisor of Lifeworks and is supervised by Kurt Van Dyken, the Chief Compliance Officer. Mr. Van Dyken can be reached at (616) 200-6512. Lifeworks has implemented a Code of Ethics, an internal compliance document that guides each Supervised Person in meeting their fiduciary obligations to Clients of Lifeworks. Further, Lifeworks is subject to regulatory oversight by various agencies. These agencies require registration by Lifeworks and its Supervised Persons. As a registered entity, Lifeworks is subject to examinations by regulators, which may be announced or unannounced. Lifeworks 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. 98 Lifeworks Advisors, LLC | 4095 Park East Ct. Suite C, Grand Rapids, MI 49546 | (616) 200-6512 | www.lifeworksadvisors.com  Form ADV Part 2B – Brochure Supplement for Eric C. Restrepo Financial Advisor Effective: September 23, 2025 This Form ADV 2B (“Brochure Supplement”) provides information about the background and qualifications of Eric C. Restrepo (CRD# 6011811) in addition to the information contained in the Lifeworks Advisors, LLC (“Lifeworks” or the “Advisor”, CRD# 288255) Disclosure Brochure. If you have not received a copy of the Disclosure Brochure or if you have any questions about the contents of the Lifeworks Disclosure Brochure or this Brochure Supplement, please contact us at (616) 200-6512. Additional information about Mr. Restrepo is available on the SEC’s Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with his full name or his Individual CRD# 6011811. 99 Lifeworks Advisors, LLC | 4095 Park East Ct. Suite C, Grand Rapids, MI 49546 | (616) 200-6512 | www.lifeworksadvisors.com  Item 2 – Educational Background and Business Experience Eric C. Restrepo, born in 1983, is dedicated to advising Clients of Lifeworks as a Financial Advisor. Mr. Restrepo earned a Bachelors of Arts, Economics, minor in Communication from University of California, Davis in 2006. Additional information regarding Mr. Restrepo’s employment history is included below. Employment History: Financial Advisor, Lifeworks Advisors, LLC Managing Member/Advanced Planning Lead, Mountain Goat Strategies, LLC Insurance Agent, Restrepo Wealth Representative, Northwestern Mutual Wealth Management Company Registered Representative, Northwestern Mutual Investment Services, LLC Agent, Northwestern Mutual Life Insurance Company Business Development, Solo K Inc. Investment Advisor Representative, Nabers Wealth LLC Investment Advisor Representative, Sowell Management Junior Consultant, Predictable Premium 02/2024 to Present 02/2024 to Present 10/2012 to Present 09/2022 to 02/2024 03/2022 to 02/2024 03/2022 to 02/2024 08/2021 to 02/2022 01/2021 to 02/2022 06/2021 to 08/2021 12/2019 to 03/2020 Item 3 – Disciplinary Information There are no legal, civil or disciplinary events to disclose regarding Mr. Restrepo. Mr. Restrepo has never been involved in any regulatory, civil or criminal action. There have been no client complaints, lawsuits, arbitration claims or administrative proceedings against Mr. Restrepo. 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. Restrepo. However, we do encourage you to independently view the background of Mr. Restrepo on the Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with his full name or his Individual CRD# 6011811. Item 4 – Other Business Activities Insurance Agency Affiliations Mr. Restrepo is also a licensed insurance professional through Resterpo Wealth. Implementations of insurance recommendations are separate and apart from Mr. Restrepo’s role with Lifeworks. As an insurance professional, Mr. Restrepo will receive customary commissions and other related revenues from the various insurance companies whose products are sold. Mr. Restrepo is not required to offer the products of any particular insurance company. Commissions generated by insurance sales do not offset regular advisory fees. This practice presents a conflict of interest in recommending certain products of the insurance companies. Clients are under no obligation to implement any recommendations made by Mr. Restrepo or the Advisor. Mr. Restrepo spends approximately 5% of his time per month in this capacity. Mountain Goat Strategies LLC Mr. Restrepo is also the Managing Member and Advanced Planning Lead of Mountain Goat Strategies LLC. With a network of specialized professionals, Mountain Goat Strategies LLC DBA Restrepo Wealth advises individuals and business owners on reducing business risk and expenses, while forming strategic partnerships with tax professionals to assist with tax reduction strategies. Mr. Restrepo earns additional compensation that is separate from his advisory fees. Mr. Restrepo spends approximately 2 percent of his time per month in this capacity. ERAR Holdings LLC Mr. Restrepo is also a managing member of ERAR Holdings LLC. In this capacity, Mr. Restrepo manages a real estate holding company and oversees the purchase and sale of real estate, collection of payments, and selection of property managers. Mr. Restrepo spends approximately less than 5% of his time per month in this capacity. 100 Lifeworks Advisors, LLC | 4095 Park East Ct. Suite C, Grand Rapids, MI 49546 | (616) 200-6512 | www.lifeworksadvisors.com  Item 5 – Additional Compensation Mr. Restrepo has additional business activities where compensation is received that are detailed in Item 4 above. Item 6 – Supervision Mr. Restrepo serves as a Financial Advisor of Lifeworks and is supervised by Kurt Van Dyken, the Chief Compliance Officer. Mr. Van Dyken can be reached at (616) 200-6512. Lifeworks has implemented a Code of Ethics, an internal compliance document that guides each Supervised Person in meeting their fiduciary obligations to Clients of Lifeworks. Further, Lifeworks is subject to regulatory oversight by various agencies. These agencies require registration by Lifeworks and its Supervised Persons. As a registered entity, Lifeworks is subject to examinations by regulators, which may be announced or unannounced. Lifeworks 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. 101 Lifeworks Advisors, LLC | 4095 Park East Ct. Suite C, Grand Rapids, MI 49546 | (616) 200-6512 | www.lifeworksadvisors.com  Form ADV Part 2B – Brochure Supplement for Christopher V. Mercer Lead Advisor Effective: September 23, 2025 This Form ADV 2B (“Brochure Supplement”) provides information about the background and qualifications of Christopher V. Mercer (CRD# 5468825) in addition to the information contained in the Lifeworks Advisors, LLC (“Lifeworks” or the “Advisor”, CRD# 288255) Disclosure Brochure. If you have not received a copy of the Disclosure Brochure or if you have any questions about the contents of the Lifeworks Disclosure Brochure or this Brochure Supplement, please contact us at (616) 200-6512. Additional information about Mr. Mercer is available on the SEC’s Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with his full name or his Individual CRD# 5468825. 102 Lifeworks Advisors, LLC | 4095 Park East Ct. Suite C, Grand Rapids, MI 49546 | (616) 200-6512 | www.lifeworksadvisors.com  Item 2 – Educational Background and Business Experience Christopher V. Mercer, born in 1988, is dedicated to advising Clients of Lifeworks as a Lead Advisor. Mr. Mercer earned a BS, Finance from DePaul University in 2011. Additional information regarding Mr. Mercer’s employment history is included below. Employment History: Lead Advisor, Lifeworks Advisors, LLC VP Financial Consultant, Charles Schwab & Co, Inc. VP Financial Consultant, TD Ameritrade, Inc. Branch Manager, Scottrade, Inc. 04/2024 to Present 12/2022 to 03/2024 02/2018 to 03/2024 05/2009 to 02/2018 Item 3 – Disciplinary Information There are no legal, civil or disciplinary events to disclose regarding Mr. Mercer. Mr. Mercer has never been involved in any regulatory, civil or criminal action. There have been no client complaints, lawsuits, arbitration claims or administrative proceedings against Mr. Mercer. 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. Mercer. However, we do encourage you to independently view the background of Mr. Mercer on the Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with his full name or his Individual CRD# 5468825. Item 4 – Other Business Activities Insurance Agency Affiliations Mr. Mercer is also a licensed insurance professional. Implementations of insurance recommendations are separate and apart from Mr. Mercer’s role with Lifeworks. As an insurance professional, Mr. Mercer will receive customary commissions and other related revenues from the various insurance companies whose products are sold. Mr. Mercer is not required to offer the products of any particular insurance company. Commissions generated by insurance sales do not offset regular advisory fees. This practice presents a conflict of interest in recommending certain products of the insurance companies. Clients are under no obligation to implement any recommendations made by Mr. Mercer or the Advisor. Mr. Mercer spends approximately 10% of his time per month in this capacity. Item 5 – Additional Compensation Mr. Mercer has additional business activities where compensation is received that are detailed in Item 4 above. Item 6 – Supervision Mr. Mercer serves as a Lead Advisor of Lifeworks and is supervised by Kurt Van Dyken, the Chief Compliance Officer. Mr. Van Dyken can be reached at (616) 200-6512. Lifeworks has implemented a Code of Ethics, an internal compliance document that guides each Supervised Person in meeting their fiduciary obligations to Clients of Lifeworks. Further, Lifeworks is subject to regulatory oversight by various agencies. These agencies require registration by Lifeworks and its Supervised Persons. As a registered entity, Lifeworks is subject to examinations by regulators, which may be announced or unannounced. Lifeworks 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. 103 Lifeworks Advisors, LLC | 4095 Park East Ct. Suite C, Grand Rapids, MI 49546 | (616) 200-6512 | www.lifeworksadvisors.com  Form ADV Part 2B – Brochure Supplement for Todd S. Smith, CFP®, ChFC®, CLTC® Investment Advisor Representative Effective: September 23, 2025 This Form ADV 2B (“Brochure Supplement”) provides information about the background and qualifications of Todd S. Smith, CFP®, ChFC®, CLTC® (CRD# 2942236) in addition to the information contained in the Lifeworks Advisors, LLC (“Lifeworks” or the “Advisor”, CRD# 288255) Disclosure Brochure. If you have not received a copy of the Disclosure Brochure or if you have any questions about the contents of the Lifeworks Disclosure Brochure or this Brochure Supplement, please contact us at (616) 200-6512. Additional information about Mr. Smith is available on the SEC’s Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with his full name or his Individual CRD# 2942236. 104 Lifeworks Advisors, LLC | 4095 Park East Ct. Suite C, Grand Rapids, MI 49546 | (616) 200-6512 | www.lifeworksadvisors.com  Item 2 – Educational Background and Business Experience Todd S. Smith, CFP®, ChFC®, CLTC® born in 1974, is dedicated to advising Clients of Lifeworks as an Investment Advisor Representative. Mr. Smith earned a BA - Government from Hamilton College in 2000. Additional information regarding Mr. Smith’s employment history is included below. Employment History: Investment Advisor Representative, Lifeworks Advisors, LLC President & CEO, Level 5 Financial, LLC 06/2024 to Present 04/2014 to 09/2024 CERTIFIED FINANCIAL PLANNER™ (“CFP®”) The CERTIFIED FINANCIAL PLANNER™, CFP®, and federally registered CFP® (with flame design) marks (collectively, the “CFP® marks”) are professional certification marks granted in the United States by CERTIFIED FINANCIAL PLANNER™ Board of Standards, Inc. (“CFP® Board”). The CFP® certification is a voluntary certification; no federal or state law or regulation requires financial planners to hold CFP® certification. It is recognized in the United States and a number of other countries for its (1) high standard of professional education; (2) stringent code of conduct and standards of practice; and (3) ethical requirements that govern professional engagements with clients. Currently, more than 87,000 individuals have obtained CFP® certification in the United States. To attain the right to use the CFP® marks, an individual must satisfactorily fulfill the following requirements: • Education – Complete an advanced college-level course of study addressing the financial planning subject areas that CFP Board’s studies have determined as necessary for the competent and professional delivery of financial planning services, and attain a Bachelor’s Degree from a regionally accredited United States college or university (or its equivalent from a foreign university). CFP Board’s financial planning subject areas include insurance planning and risk management, employee benefits planning, investment planning, income tax planning, retirement planning, and estate planning; • Examination – Pass the comprehensive CFP® Certification Examination. The examination includes case studies and client scenarios designed to test one’s ability to correctly diagnose financial planning issues and apply one’s knowledge of financial planning to real-world circumstances; • Experience – Complete at least three years of full-time financial planning-related experience (or the equivalent, measured as 2,000 hours per year); and • Ethics – Agree to be bound by CFP Board’s Standards of Professional Conduct, a set of documents outlining the ethical and practice standards for CFP® professionals. Individuals who become certified must complete the following ongoing education and ethics requirements in order to maintain the right to continue to use the CFP® marks: • Continuing Education – Complete 30 hours of continuing education hours every two years, including two hours on the Code of Ethics and other parts of the Standards of Professional Conduct, to maintain competence and keep up with developments in the financial planning field; and • Ethics – Renew an agreement to be bound by the Standards of Professional Conduct. The Standards prominently require that CFP® professionals provide financial planning services at a fiduciary standard of care. This means CFP® professionals must provide financial planning services in the best interests of their clients. CFP® professionals who fail to comply with the above standards and requirements may be subject to CFP Board’s enforcement process, which could result in suspension or permanent revocation of their CFP®. Chartered Financial Consultant™ (“ChFC®”) The Chartered Financial Consultant™ (ChFC®) program prepares you to meet the advanced financial planning needs of individuals, professionals, and small business owners. You'll gain a sustainable advantage in this competitive field with in-depth coverage of the key financial planning disciplines, including insurance, income taxation, retirement planning, investments, and estate planning. The ChFC® requires three years of full-time, relevant business experience, nine two-hour course-specific proctored exams, and 30 hours of continuing education every two years. Holders of the ChFC® designation must adhere to The American College’s Code of Ethics. 105 Lifeworks Advisors, LLC | 4095 Park East Ct. Suite C, Grand Rapids, MI 49546 | (616) 200-6512 | www.lifeworksadvisors.com  Program Objectives: • Function as an ethical, competent and articulate practitioner in the field of financial planning • Utilize the intellectual tools and framework needed to maintain relevant and current financial planning knowledge and strategies. • Apply financial planning theory and techniques through the development of case studies and solutions. • Apply in-depth knowledge in a holistic manner from a variety of disciplines, namely, estate planning, retirement planning, or non-qualified deferred compensation. Certified Long-Term Care™ (“CLTC®”) The CLTC®, Certified in Long-Term Care™ designation, is a long-term care planning designation granted by the Corporation for Long-term Care™ Certification to individuals who satisfy educational, work experience, and ethics requirements. Recipients of the CLTC® have completed a rigorous multidisciplinary course and examination that focuses on long-term care. To maintain this designation, the CLTC® must satisfy continuing education requirements and adhere to the CLTC® Code of Professional Responsibility. Item 3 – Disciplinary Information There are no legal, civil or disciplinary events to disclose regarding Mr. Smith. Mr. Smith has never been involved in any regulatory, civil or criminal action. There have been no client complaints, lawsuits, arbitration claims or administrative proceedings against Mr. Smith. 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. Smith. However, we do encourage you to independently view the background of Mr. Smith on the Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with his full name or his Individual CRD# 2942236. Item 4 – Other Business Activities Insurance Agency Affiliations Mr. Smith is also a licensed insurance professional. Implementations of insurance recommendations are separate and apart from Mr. Smith’s role with Lifeworks. As an insurance professional, Mr. Smith will receive customary commissions and other related revenues from the various insurance companies whose products are sold. Mr. Smith is not required to offer the products of any particular insurance company. Commissions generated by insurance sales do not offset regular advisory fees. This practice presents a conflict of interest in recommending certain products of the insurance companies. Clients are under no obligation to implement any recommendations made by Mr. Smith or the Advisor. Mr. Smith spends approximately 10% of his time per month in this capacity. Item 5 – Additional Compensation Mr. Smith has additional business activities where compensation is received that are detailed in Item 4 above. Item 6 – Supervision Mr. Smith serves as an Investment Advisor Representative of Lifeworks and is supervised by Kurt Van Dyken, the Chief Compliance Officer. Mr. Van Dyken can be reached at (616) 200-6512. Lifeworks has implemented a Code of Ethics, an internal compliance document that guides each Supervised Person in meeting their fiduciary obligations to Clients of Lifeworks. Further, Lifeworks is subject to regulatory oversight by various agencies. These agencies require registration by Lifeworks and its Supervised Persons. As a registered entity, Lifeworks is subject to examinations by regulators, which may be announced or unannounced. Lifeworks 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. 106 Lifeworks Advisors, LLC | 4095 Park East Ct. Suite C, Grand Rapids, MI 49546 | (616) 200-6512 | www.lifeworksadvisors.com  Form ADV Part 2B – Brochure Supplement for Carson J. Grover Financial Advisor Effective: September 23, 2025 This Form ADV 2B (“Brochure Supplement”) provides information about the background and qualifications of Carson J. Grover (CRD# 6728419) in addition to the information contained in the Lifeworks Advisors, LLC (“Lifeworks” or the “Advisor”, CRD# 288255) Disclosure Brochure. If you have not received a copy of the Disclosure Brochure or if you have any questions about the contents of the Lifeworks Disclosure Brochure or this Brochure Supplement, please contact us at (616) 200-6512. Additional information about Mr. Grover is available on the SEC’s Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with his full name or his Individual CRD# 6728419. 107 Lifeworks Advisors, LLC | 4095 Park East Ct. Suite C, Grand Rapids, MI 49546 | (616) 200-6512 | www.lifeworksadvisors.com  Item 2 – Educational Background and Business Experience Carson J. Grover, born in 1987, is dedicated to advising Clients of Lifeworks as a Financial Advisor. Mr. Grover earned a Bachelor’s Degree in Communications from BYU Idaho in 2014. Additional information regarding Mr. Grover’s employment history is included below. Employment History: 06/2024 to Present 06/2024 to Present 06/2024 to Present 05/2022 to 06/2024 Financial Advisor, Lifeworks Advisors, LLC Insurance Agent, Innovation Insurance Owner and CEO, Innovation Consulting, LLC Investment Advisor Representative, Coppell Advisory Solutions LLC, DBA Fusion Capital Management Investment Advisor Representative, Onyx Bridge Wealth Group LLC Investment Advisor Representative, Heritage Wealth Management, LLC Investment Advisor Representative, OneAmerica Securities, Inc. Registered Representative, OneAmerica Securities, Inc. 01/2021 to 05/2022 04/2020 to 01/2021 03/2017 to 04/2020 12/2016 to 04/2020 Item 3 – Disciplinary Information There are no legal, civil or disciplinary events to disclose regarding Mr. Grover. Mr. Grover has never been involved in any regulatory, civil or criminal action. There have been no client complaints, lawsuits, arbitration claims or administrative proceedings against Mr. Grover. 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. Grover. However, we do encourage you to independently view the background of Mr. Grover on the Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with his full name or his Individual CRD# 6728419. Item 4 – Other Business Activities Innovation Insurance Mr. Grover is also a licensed insurance professional. Implementations of insurance recommendations are separate and apart from Mr. Grover’s role with Lifeworks. As an insurance professional, Mr. Grover will receive customary commissions and other related revenues from the various insurance companies whose products are sold. Mr. Grover is not required to offer the products of any particular insurance company. Commissions generated by insurance sales do not offset regular advisory fees. This practice presents a conflict of interest in recommending certain products of the insurance companies. Clients are under no obligation to implement any recommendations made by Mr. Grover or the Advisor. Mr. Grover spends approximately 5% of his time per month in this capacity. Innovation Consulting, LLC Mr. Grover is also the Owner and CEO of Innovation Consulting, LLC. In this capacity, Mr. Grover offers consulting services for tax matters, business exit planning, and cash flow considerations in coordination with CPAs and accounting professionals. Mr. Grover spends approximately 15% of his time per month in this capacity. Item 5 – Additional Compensation Mr. Grover has additional business activities where compensation is received that are detailed in Item 4 above. Item 6 – Supervision Mr. Grover serves as a Financial Advisor of Lifeworks and is supervised by Kurt Van Dyken, the Chief Compliance Officer. Mr. Van Dyken can be reached at (616) 200-6512. 108 Lifeworks Advisors, LLC | 4095 Park East Ct. Suite C, Grand Rapids, MI 49546 | (616) 200-6512 | www.lifeworksadvisors.com  Lifeworks has implemented a Code of Ethics, an internal compliance document that guides each Supervised Person in meeting their fiduciary obligations to Clients of Lifeworks. Further, Lifeworks is subject to regulatory oversight by various agencies. These agencies require registration by Lifeworks and its Supervised Persons. As a registered entity, Lifeworks is subject to examinations by regulators, which may be announced or unannounced. Lifeworks 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. 109 Lifeworks Advisors, LLC | 4095 Park East Ct. Suite C, Grand Rapids, MI 49546 | (616) 200-6512 | www.lifeworksadvisors.com  Form ADV Part 2B – Brochure Supplement for Jeffrey J. Rainer, ChFC®, CLU®, CLTC®, LUTCF®, RICP® Wealth Management Advisor Effective: September 23, 2025 This Form ADV 2B (“Brochure Supplement”) provides information about the background and qualifications of Jeffrey J. Rainer, ChFC®, CLU®, CLTC®, LUTCF®, RICP® (CRD# 3168972) in addition to the information contained in the Lifeworks Advisors, LLC (“Lifeworks” or the “Advisor”, CRD# 288255) Disclosure Brochure. If you have not received a copy of the Disclosure Brochure or if you have any questions about the contents of the Lifeworks Disclosure Brochure or this Brochure Supplement, please contact us at (616) 200-6512. Additional information about Mr. Rainer is available on the SEC’s Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with his full name or his Individual CRD# 3168972. 110 Lifeworks Advisors, LLC | 4095 Park East Ct. Suite C, Grand Rapids, MI 49546 | (616) 200-6512 | www.lifeworksadvisors.com  Item 2 – Educational Background and Business Experience Jeffrey J. Rainer, ChFC®, CLU®, CLTC®, LUTCF®, RICP®, born in 1970, is dedicated to advising Clients of Lifeworks as a Wealth Management Advisor. Mr. Rainer earned his High School Diploma from Vincent High School in 1988. Additional information regarding Mr. Rainer’s employment history is included below. Employment History: Wealth Management Advisor, Lifeworks Advisors, LLC Wealth Management Advisor, Avaii Wealth Management, LLC 08/2024 to Present 09/2018 to 08/2024 Chartered Financial Consultant® (ChFC®) The Chartered Financial Consultant® (ChFC®) program prepares you to meet the advanced financial planning needs of individuals, professionals and small business owners. You'll gain a sustainable advantage in this competitive field with in-depth coverage of the key financial planning disciplines, including insurance, income taxation, retirement planning, investments and estate planning. The ChFC® requires three years of full-time, relevant business experience, nine two-hour course specific proctored exams, and 30 hours of continuing education every two years. Holders of the ChFC® designation must adhere to The American College’s Code of Ethics. Program Objectives: ● Function as an ethical, competent and articulate practitioner in the field of financial planning ● Utilize the intellectual tools and framework needed to maintain relevant and current financial planning knowledge and strategies. ● Apply financial planning theory and techniques through the development of case studies and solutions. ● Apply in-depth knowledge in a holistic manner from a variety of disciplines; namely, estate planning, retirement planning or non-qualified deferred compensation. The Chartered Life Underwriter (“CLU®”) The Chartered Life Underwriter® (CLU®) is a designation of insurance expertise, helping gain a significant advantage in a competitive market. This course of study helps by providing in-depth knowledge on the insurance needs of individuals, business owners and professional clients. Program Learning Objectives: ● Provide guidance to clients on types and amounts of life insurance needed ● Make recommendations on aspects of risk management, including personal and business uses of a variety of insurance solutions ● Provide guidance to clients on legal aspects of life insurance contracts and beneficiaries ● Assist clients in making decisions about estate planning, including proper holding of assets and title to assets, as well as the implications of various wills and trust arrangements on financial, retirement and succession planning issues Provide a holistic and comprehensive approach to addressing the insurance planning needs of their clients Certified Long-Term Care (“CLTC®”) The CLTC, Certified in Long-Term Care designation is a long-term care planning designation granted by the Corporation for Long-term Care Certification to individuals who satisfy educational, work experience and ethics requirements. Recipients of the CLTC have completed a rigorous multidisciplinary course and examination, that focuses on long-term care. To maintain this designation, the CLTC must satisfy continuing education requirements and adhere to the CLTC Code of Professional Responsibility. Life Underwriter Training Council Fellow™ (“LUTCF®”) The Life Underwriter Training Council Fellow™ (LUTCF®) Designation Program developed for NAIFA by the College for Financial Planning™ (CFFP®) launched the summer of 2015. The curriculum combines classroom learning and field training to equip agents and financial advisors with the knowledge and skills to put them on the path to career success. The content integrates four practice specialties, life insurance and annuities, health and employee benefits, multiline, and financial advising and investments providing both an overview of each but also addressing their interdependencies—critical for agents and advisors to understand when advising clients. Topics cover the real-life issues of today, from multigenerational homes to single-parent households and same-sex marriages. 111 Lifeworks Advisors, LLC | 4095 Park East Ct. Suite C, Grand Rapids, MI 49546 | (616) 200-6512 | www.lifeworksadvisors.com  Retirement Income Certified Professional ™ (“RICP®”) The RICP® designation teaches advisers techniques and best practices used to create sustainable streams of retirement income. The education covers retirement income planning, maximizing Social Security and other income sources, minimizing risks to the plan, and managing portfolios during the asset distribution phase. The designation includes three required, college-level courses that represent a total average study time of more than 150 hours. RICP® designees must meet experience, continuing education and ethics requirements. The credential is awarded by The American College, a non-profit educator with an 85-year heritage and the highest form of academic accreditation. Item 3 – Disciplinary Information There are no legal, civil or disciplinary events to disclose regarding Mr. Rainer. Mr. Rainer has never been involved in any regulatory, civil or criminal action. There have been no client complaints, lawsuits, arbitration claims or administrative proceedings against Mr. Rainer. 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. Rainer. However, we do encourage you to independently view the background of Mr. Rainer on the Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with his full name or his Individual CRD# 3168972. Item 4 – Other Business Activities Insurance Agency Affiliations Mr. Rainer is also a licensed insurance professional. Implementations of insurance recommendations are separate and apart from Mr. Rainer’s role with Lifeworks. As an insurance professional, Mr. Rainer will receive customary commissions and other related revenues from the various insurance companies whose products are sold. Mr. Rainer is not required to offer the products of any particular insurance company. Commissions generated by insurance sales do not offset regular advisory fees. This practice presents a conflict of interest in recommending certain products of the insurance companies. Clients are under no obligation to implement any recommendations made by Mr. Rainer or the Advisor. Mr. Rainer spends approximately 10% of his time per month in this capacity. Rainer Financial LLC Mr. Rainer is also the Owner of Rainer Financial LLC. In this capacity, Mr. Rainer collects fees for investment advisory fees earned in his capacity as a Wealth Management Advisor with Lifeworks Advisors, LLC. Mr. Rainer spends approximately 10% of his time per month in this capacity. Peak Vision Consulting LLC Mr. Rainer also serves as Wealth, Insurance, and Tax Strategist with Peak Vision Consulting LLC. In this capacity, Mr. Rainer advises Clients on reducing their business risks and expenses. Mr. Rainer also forms strategic alliances with tax professionals who aid his Clients with tax reduction strategies. Mr. Rainer spends approximately 5% of his time per month in this capacity. Item 5 – Additional Compensation Mr. Rainer has additional business activities where compensation is received that are detailed in Item 4 above. Item 6 – Supervision Mr. Rainer serves as a Wealth Management Advisor of Lifeworks and is supervised by Kurt Van Dyken, the Chief Compliance Officer. Mr. Van Dyken can be reached at (616) 200-6512. Lifeworks has implemented a Code of Ethics, an internal compliance document that guides each Supervised Person in meeting their fiduciary obligations to Clients of Lifeworks. Further, Lifeworks is subject to regulatory 112 Lifeworks Advisors, LLC | 4095 Park East Ct. Suite C, Grand Rapids, MI 49546 | (616) 200-6512 | www.lifeworksadvisors.com  oversight by various agencies. These agencies require registration by Lifeworks and its Supervised Persons. As a registered entity, Lifeworks is subject to examinations by regulators, which may be announced or unannounced. Lifeworks 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. 113 Lifeworks Advisors, LLC | 4095 Park East Ct. Suite C, Grand Rapids, MI 49546 | (616) 200-6512 | www.lifeworksadvisors.com  Form ADV Part 2B – Brochure Supplement for Isaac R. Pineda, CEP® Financial Advisor Effective: September 23, 2025 This Form ADV 2B (“Brochure Supplement”) provides information about the background and qualifications of Isaac R. Pineda, CEP® (CRD# 6482135) in addition to the information contained in the Lifeworks Advisors, LLC (“Lifeworks” or the “Advisor”, CRD# 288255) Disclosure Brochure. If you have not received a copy of the Disclosure Brochure or if you have any questions about the contents of the Lifeworks Disclosure Brochure or this Brochure Supplement, please contact us at (616) 200-6512. Additional information about Mr. Pineda is available on the SEC’s Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with his full name or his Individual CRD# 6482135. 114 Lifeworks Advisors, LLC | 4095 Park East Ct. Suite C, Grand Rapids, MI 49546 | (616) 200-6512 | www.lifeworksadvisors.com  Item 2 – Educational Background and Business Experience Isaac R. Pineda, CEP®, born in 1990, is dedicated to advising Clients of Lifeworks as a Financial Advisor. Mr. Pineda earned a Bachelor of Science in Business Administration from California State University, Long Beach in 2013. Additional information regarding Mr. Pineda’s employment history is included below. Employment History: 09/2024 to Present / Registered Representative, LPL 07/2024 to 09/2024 02/2022 to 06/2024 05/2019 to 02/2022 Financial Advisor, Lifeworks Advisors, LLC Investment Advisor Representative Financial LLC Investment Advisor Representative / Registered Representative, Centaurus Financial, Inc. Investment Advisor Representative / Registered Representative, JP Morgan Securities, LLC Private Client Banker, JP Morgan Chase Bank, NA 04/2019 to 02/2022 Certified Estate Planner™ (“CEP®”) This designation is issued by the National Institute of Certified Estate Planners™ and is granted to individuals who have completed classroom or online coursework, and then pass two examinations before obtaining this designation. Eight hours of continuing education must be completed every two years. The designation means that the holder has a basic knowledge of estate planning. Item 3 – Disciplinary Information There are no legal, civil or disciplinary events to disclose regarding Mr. Pineda. Mr. Pineda has never been involved in any regulatory, civil or criminal action. There have been no client complaints, lawsuits, arbitration claims or administrative proceedings against Mr. Pineda. 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. Pineda. However, we do encourage you to independently view the background of Mr. Pineda on the Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with his full name or his Individual CRD# 6482135. Item 4 – Other Business Activities Insurance Agency Affiliations Mr. Pineda is also a licensed insurance professional. Implementations of insurance recommendations are separate and apart from Mr. Pineda’s role with Lifeworks. As an insurance professional, Mr. Pineda will receive customary commissions and other related revenues from the various insurance companies whose products are sold. Mr. Pineda is not required to offer the products of any particular insurance company. Commissions generated by insurance sales do not offset regular advisory fees. This practice presents a conflict of interest in recommending certain products of the insurance companies. Clients are under no obligation to implement any recommendations made by Mr. Pineda or the Advisor. Mr. Pineda spends approximately 10% of his time per month in this capacity. Innovation Consulting, LLC Mr. Pineda is also a Consultant with Innovation Consulting, LLC. In this capacity, Mr. Pineda offers consulting services for tax matters, business exit planning, and cash flow considerations in coordination with CPAs and accounting professionals. Clients are under no obligation to engage Mr. Pineda for consulting services in his separate capacity with Innovation Consulting, LLC. Mr. Pineda spends approximately 5% of his time per month in this capacity. Item 5 – Additional Compensation Mr. Pineda has additional business activities where compensation is received that are detailed in Item 4 above. 115 Lifeworks Advisors, LLC | 4095 Park East Ct. Suite C, Grand Rapids, MI 49546 | (616) 200-6512 | www.lifeworksadvisors.com  Item 6 – Supervision Mr. Pineda serves as a Financial Advisor of Lifeworks and is supervised by Kurt Van Dyken, the Chief Compliance Officer. Mr. Van Dyken can be reached at (616) 200-6512. Lifeworks has implemented a Code of Ethics, an internal compliance document that guides each Supervised Person in meeting their fiduciary obligations to Clients of Lifeworks. Further, Lifeworks is subject to regulatory oversight by various agencies. These agencies require registration by Lifeworks and its Supervised Persons. As a registered entity, Lifeworks is subject to examinations by regulators, which may be announced or unannounced. Lifeworks 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. 116 Lifeworks Advisors, LLC | 4095 Park East Ct. Suite C, Grand Rapids, MI 49546 | (616) 200-6512 | www.lifeworksadvisors.com  Form ADV Part 2B – Brochure Supplement for Isaiah M. Peterson Associate Advisor Effective: September 23, 2025 This Form ADV 2B (“Brochure Supplement”) provides information about the background and qualifications of Isaiah M. Peterson (CRD# 7913215) in addition to the information contained in the Lifeworks Advisors, LLC (“Lifeworks” or the “Advisor”, CRD# 288255) Disclosure Brochure. If you have not received a copy of the Disclosure Brochure or if you have any questions about the contents of the Lifeworks Disclosure Brochure or this Brochure Supplement, please contact us at (616) 200-6512. Additional information about Mr. Peterson is available on the SEC’s Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with his full name or his Individual CRD# 7913215. 117 Lifeworks Advisors, LLC | 4095 Park East Ct. Suite C, Grand Rapids, MI 49546 | (616) 200-6512 | www.lifeworksadvisors.com  Item 2 – Educational Background and Business Experience Isaiah M. Peterson, born in 2000, is dedicated to advising Clients of Lifeworks as an Associate Advisor. Mr. Peterson earned a BBA from Grand Valley State University in 2024. Additional information regarding Mr. Peterson’s employment history is included below. Employment History: Associate Advisor, Lifeworks Advisors, LLC Team Member, Burgess Concrete 04/2024 to Present 05/2019 to 09/2022 Item 3 – Disciplinary Information There are no legal, civil or disciplinary events to disclose regarding Mr. Peterson. Mr. Peterson has never been involved in any regulatory, civil or criminal action. There have been no client complaints, lawsuits, arbitration claims or administrative proceedings against Mr. Peterson. 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. Peterson. However, we do encourage you to independently view the background of Mr. Peterson on the Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with his full name or his Individual CRD# 7913215. Item 4 – Other Business Activities Mr. Peterson is dedicated to the investment advisory activities of Lifeworks’s Clients. Mr. Peterson does not have any other business activities. Item 5 – Additional Compensation Mr. Peterson is dedicated to the investment advisory activities of Lifeworks’s Clients. Mr. Peterson does not receive any additional forms of compensation. Item 6 – Supervision Mr. Peterson serves as an Associate Advisor of Lifeworks and is supervised by Kurt Van Dyken, the Chief Compliance Officer. Mr. Van Dyken can be reached at (616) 200-6512. Lifeworks has implemented a Code of Ethics, an internal compliance document that guides each Supervised Person in meeting their fiduciary obligations to Clients of Lifeworks. Further, Lifeworks is subject to regulatory oversight by various agencies. These agencies require registration by Lifeworks and its Supervised Persons. As a registered entity, Lifeworks is subject to examinations by regulators, which may be announced or unannounced. Lifeworks 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. 118 Lifeworks Advisors, LLC | 4095 Park East Ct. Suite C, Grand Rapids, MI 49546 | (616) 200-6512 | www.lifeworksadvisors.com  Form ADV Part 2B – Brochure Supplement for Darren J. Vilardo, CFS® Investment Advisor Representative dba Tekton Wealth Advisors Effective: September 23, 2025 This Form ADV 2B (“Brochure Supplement”) provides information about the background and qualifications of Darren J. Vilardo, CFS®, (CRD# 1996281) in addition to the information contained in the Lifeworks Advisors, LLC (“Lifeworks” or the “Advisor”, CRD# 288255) Disclosure Brochure. If you have not received a copy of the Disclosure Brochure or if you have any questions about the contents of the Lifeworks Disclosure Brochure or this Brochure Supplement, please contact us at (616) 200-6512 Additional information about Mr. Vilardo is available on the SEC’s Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with his full name or his Individual CRD# 1996281. 119 Lifeworks Advisors, LLC | 4095 Park East Ct. Suite C, Grand Rapids, MI 49546 | (616) 200-6512 | www.lifeworksadvisors.com  Item 2 – Educational Background and Business Experience Darren J. Vilardo, CFS®, born in 1965, is dedicated to advising Clients of Lifeworks as an Investment Advisor Representative. Additional information regarding Mr. Vilardo’s employment history is included below. Employment History: Investment Advisor Representative, Lifeworks Advisors, LLC Insurance Agent, Tekton Wealth Insurance Services, LLC Investment Advisor Representative, Delta Investment Management, LLC Managing Member, Tekton Wealth Advisors Financial Advisor/Owner, DaVinci Wealth Investment Advisor Representative, Retirement Wealth Advisors, LLC 03/2025 to Present 10/2024 to Present 10/2020 to 03/2025 10/2024 to 01/2025 10/2014 to 10/2024 08/2014 to 09/2020 Certified Fund Specialist™ (“CFS®”) Individuals who hold the CFS® designation have completed a course of study across six modules to develop a strong working knowledge of: closed-end funds and similar investments • mutual funds, ETF, and REITs • • advanced fund analysis and selection • asset allocation and portfolio construction To receive the designation, the candidate must meet the following requirements: 1) either a bachelor's degree or 2,000 hours of financial services work experience, 2) pass three exams and complete a case study, and 3) complete 30 hours of continuing education every two years. Item 3 – Disciplinary Information There are no legal, civil or disciplinary events to disclose regarding Mr. Vilardo. Mr. Vilardo has never been involved in any regulatory, civil or criminal action. There have been no client complaints, lawsuits, arbitration claims or administrative proceedings against Mr. Vilardo. 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. Vilardo. However, we do encourage you to independently view the background of Mr. Vilardo on the Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with his full name or his Individual CRD# 1996281. Item 4 – Other Business Activities Insurance Agency Affiliations Mr. Vilardo is also a licensed insurance professional of Tekton Wealth Insurance Services, LLC, a life insurance, annuity, and long-term care insurance sales business. Implementations of insurance recommendations are separate and apart from Mr. Vilardo’s role with Lifeworks. As an insurance professional, Mr. Vilardo will receive customary commissions and other related revenues from the various insurance companies whose products are sold. Mr. Vilardo is not required to offer the products of any particular insurance company. Commissions generated by insurance sales do not offset regular advisory fees. This practice presents a conflict of interest in recommending certain products of the insurance companies. Clients are under no obligation to implement any recommendations made by Mr. Vilardo or the Advisor. Mr. Vilardo spends approximately 10% of his time per month in this capacity. Temporary Investment Advisor Affiliation Mr. Vilardo will be dually registered with Delta Investment Management, LLC as an investment advisor representative. Mr. Vilardo is maintaining his registration with Delta Investment Management, LLC as he works to transition Clients to Lifeworks Advisors, LLC. 120 Lifeworks Advisors, LLC | 4095 Park East Ct. Suite C, Grand Rapids, MI 49546 | (616) 200-6512 | www.lifeworksadvisors.com  Item 5 – Additional Compensation Mr. Vilardo has additional business activities where compensation is received that are detailed in Item 4 above. Item 6 – Supervision Mr. Vilardo serves as an Investment Advisor Representative of Lifeworks and is supervised by Kurt Van Dyken, the Chief Compliance Officer. Mr. Van Dyken can be reached at (616) 200-6512. Lifeworks has implemented a Code of Ethics, an internal compliance document that guides each Supervised Person in meeting their fiduciary obligations to Clients of Lifeworks. Further, Lifeworks is subject to regulatory oversight by various agencies. These agencies require registration by Lifeworks and its Supervised Persons. As a registered entity, Lifeworks is subject to examinations by regulators, which may be announced or unannounced. Lifeworks 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. 121 Lifeworks Advisors, LLC | 4095 Park East Ct. Suite C, Grand Rapids, MI 49546 | (616) 200-6512 | www.lifeworksadvisors.com  Form ADV Part 2B – Brochure Supplement for Leyton D. Bohren Service Advisor dba Bright Advisers Effective: September 23, 2025 This Form ADV 2B (“Brochure Supplement”) provides information about the background and qualifications of Leyton D. Bohren (CRD# 8143116) in addition to the information contained in the Lifeworks Advisors, LLC (“Lifeworks” or the “Advisor”, CRD# 288255) Disclosure Brochure. If you have not received a copy of the Disclosure Brochure or if you have any questions about the contents of the Lifeworks Disclosure Brochure or this Brochure Supplement, please contact us at (616) 200-6512. Additional information about Mr. Bohren is available on the SEC’s Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with his full name or his Individual CRD# 8143116. 122 Lifeworks Advisors, LLC | 4095 Park East Ct. Suite C, Grand Rapids, MI 49546 | (616) 200-6512 | www.lifeworksadvisors.com  Item 2 – Educational Background and Business Experience Leyton D. Bohren, born in 1999, is dedicated to advising Clients of Lifeworks as a Service Advisor. Mr. Bohren earned his Bachelor’s in Allied Health from Azusa Pacific University in 2022. Mr. Bohren also earned his Masters of Business emphasis in Finance from Azusa Pacific University in 2023. Additional information regarding Mr. Bohren’s employment history is included below. Employment History: Service Advisor, Lifeworks Advisors, LLC Staff Accountant, Green Dot Bank 07/2025 to Present 02/2024 to Present Item 3 – Disciplinary Information There are no legal, civil or disciplinary events to disclose regarding Mr. Bohren. Mr. Bohren has never been involved in any regulatory, civil or criminal action. There have been no client complaints, lawsuits, arbitration claims or administrative proceedings against Mr. Bohren. 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. Bohren. However, we do encourage you to independently view the background of Mr. Bohren on the Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with his full name or his Individual CRD# 8143116. Item 4 – Other Business Activities Green Dot Bank Mr. Bohren is also a Staff Accountant with Green Dot Bank. In this capacity, Mr. Bohren assists with duties related to accounts receivable, accounts payable, and entry level journal entries. Mr. Bohren spends approximately 10% of his time per month in this capacity. Item 5 – Additional Compensation Mr. Bohren has additional business activities where compensation is received that are detailed in Item 4 above. Item 6 – Supervision Mr. Bohren serves as a Service Advisor of Lifeworks and is supervised by Kurt Van Dyken, the Chief Compliance Officer. Mr. Van Dyken can be reached at (616) 200-6512. Lifeworks has implemented a Code of Ethics, an internal compliance document that guides each Supervised Person in meeting their fiduciary obligations to Clients of Lifeworks. Further, Lifeworks is subject to regulatory oversight by various agencies. These agencies require registration by Lifeworks and its Supervised Persons. As a registered entity, Lifeworks is subject to examinations by regulators, which may be announced or unannounced. Lifeworks 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. 123 Lifeworks Advisors, LLC | 4095 Park East Ct. Suite C, Grand Rapids, MI 49546 | (616) 200-6512 | www.lifeworksadvisors.com  Privacy Policy Effective: September 23, 2025 Our Commitment to You Lifeworks Advisors, LLC (“Lifeworks” or the “Advisor”) is committed to safeguarding the use of personal information of our Clients (also referred to as “you” and “your”) that we obtain as your Investment Advisor, as described here in our Privacy Policy (“Policy”). Our relationship with you is our most important asset. We understand that you have entrusted us with your private information, and we do everything that we can to maintain that trust. Lifeworks (also referred to as "we," "our," and "us”) protects the security and confidentiality of the personal information we have and implements controls to ensure that such information is used for proper business purposes in connection with the management or servicing of our relationship with you. Lifeworks does not sell your nonpublic personal information to anyone. Nor do we provide such information to others except for discrete and reasonable business purposes in connection with the servicing and management of our relationship with you, as discussed below. Details of our approach to privacy and how your personal nonpublic information is collected and used are set forth in this Policy. Why you need to know? Registered Investment Advisors (“RIAs”) must share some of your personal information in the course of servicing your account. Federal and State laws give you the right to limit some of this sharing and require RIAs to disclose how we collect, share, and protect your personal information. What information do we collect from you? Driver’s license number Date of birth Social security or taxpayer identification number Assets and liabilities Name, address, and phone number[s] Income and expenses Email address[es] Investment activity Account information (including other institutions) Investment experience and goals What Information do we collect from other sources? Custody, brokerage, and advisory agreements Account applications and forms Other advisory agreements and legal documents Investment questionnaires and suitability documents Transactional information with us or others Other information needed to service the account How do we protect your information? To safeguard your personal information from unauthorized access and use, we maintain physical, procedural, and electronic security measures. These include such safeguards as secure passwords, encrypted file storage, and a secure office environment. Our technology vendors provide security and access control over personal information and have policies over the transmission of data. Our associates are trained on their responsibilities to protect Clients’ personal information. We require third parties that assist in providing our services to you to protect the personal information they receive from us. How do we share your information? 124 Lifeworks Advisors, LLC | 4095 Park East Ct. Suite C, Grand Rapids, MI 49546 | (616) 200-6512 | www.lifeworksadvisors.com  An RIA shares Clients’ personal information to effectively implement its services. In the section below, we list some reasons we may share your personal information. Basis for Sharing Do we share? Can you limit? Yes No Servicing our Clients We may share nonpublic personal information with non-affiliated third parties (such as administrators, brokers, custodians, regulators, credit agencies, and other financial institutions) as necessary for us to provide agreed-upon services to you, consistent with applicable law, including but not limited to: processing transactions; general account maintenance; responding to regulators or legal investigations; and credit reporting. No Not Shared Marketing Purposes Lifeworks does not disclose and does not intend to disclose personal information with non-affiliated third parties to offer you services. Certain laws may give us the right to share your personal information with financial institutions where you are a customer and where Lifeworks or the client has a formal agreement with the financial institution. We will only share information for purposes of servicing your accounts, not for marketing purposes. Yes Yes Authorized Users Your nonpublic personal information may be disclosed to you and persons that we believe to be your authorized agent[s] or representative[s]. No Not Shared Information About Former Clients Lifeworks does not disclose and does not intend to disclose nonpublic personal information to non-affiliated third parties with respect to persons who are no longer our Clients. State-specific Regulations California In response to a California law, to be conservative, we assume that accounts with California addresses do not want us to disclose personal information about you to non-affiliated third parties, except as permitted by California law. We also limit the sharing of personal information about you with our affiliates to ensure compliance with California privacy laws. Massachusetts In response to Massachusetts law, the Client must “opt-in” to share nonpublic personal information with non-affiliated third parties before any personal information is disclosed. Client opt-in is obtained through the Client’s execution of authorization forms provided by the third parties, by executing an Information Sharing Authorization Form, or by other written consent by the Client, as appropriate and consistent with applicable laws and regulations. Changes to our Privacy Policy We will send you a copy of this Policy annually for as long as you maintain an ongoing relationship with us. Periodically we may revise this Policy and will provide you with a revised Policy if the changes materially alter the previous Privacy Policy. We will not, however, revise our Privacy Policy to permit the sharing of nonpublic personal information other than as described in this notice unless we first notify you and provide you with an opportunity to prevent the information sharing. Any Questions? You may ask questions or voice any concerns, as well as obtain a copy of our current Privacy Policy by contacting the Advisor at (616) 200-6512. 125 Lifeworks Advisors, LLC | 4095 Park East Ct. Suite C, Grand Rapids, MI 49546 | (616) 200-6512 | www.lifeworksadvisors.com