ONE LIFE FINANCIAL GROUP, INC.

F O R M A D V P A R T 2 A D I S C L O S U R E B R O C H U R E Office Address: 6922 125th St. N. White Bear Lake, MN 55110 Tel: 763-251-8040 Fax: 612-395-5489 blahr@onelifefg.com www.onelifefg.com April 7, 2026 This brochure provides information about the qualifications and business practices of One Life Financial Group, Inc. Being registered as a registered investment adviser does not imply a certain level of skill or training. If you have any questions about the contents of this brochure, please contact us at 763-251-8040. The information in this brochure has not been approved or verified A D D I T I O N A L I N F O R M A T I O N A B O U T O N E L I F E F I N A N C I A L G R O U P , I N C . by the United States Securities and Exchange Commission, or by any state securities authority. ( C R D # 2 8 1 7 9 2 ) I S A V A I L A B L E O N T H E S E C ’ S W E B S I T E A T W W W . A D V I S E R I N F O . S E C . G O V i One Life Financial Group, Inc.  Item 2: Material Changes Annual Update The Material Changes section of this brochure will be updated annually or when material Material Changes since the Last Update changes occur since the previous release of the Firm Brochure. • Since the last annual filing of this brochure on March 23, 2026, the following has been updated: Brochure updated for SEC Registration. Full Brochure Available This Firm Brochure being delivered is the complete brochure for the Firm. ii One Life Financial Group, Inc.  Item 3: Table of Contents Form ADV – Part 2A – Firm Brochure Item 1: Cover Page Item 2: Material Changes .................................................................................................................... ii Annual Update ................................................................................................................................................................... ii Material Changes since the Last Update.................................................................................................................. ii Item 3: Table of Contents ................................................................................................................... iii Full Brochure Available .................................................................................................................................................. ii Item 4: Advisory Business .................................................................................................................. 6 Firm Description ............................................................................................................................................................... 6 Types of Service Plans .................................................................................................................................................... 6 Client Tailored Services and Client Imposed Restrictions ............................................................................... 7 Wrap Fee Programs ......................................................................................................................................................... 8 Item 5: Fees and Compensation ....................................................................................................... 8 Client Assets under Management .............................................................................................................................. 8 Method of Compensation and Fee Schedule .......................................................................................................... 8 Client Payment of Fees ................................................................................................................................................ 11 Additional Client Fees Charged ................................................................................................................................ 12 Prepayment of Client Fees ......................................................................................................................................... 12 Item 6: Performance-Based Fees and Side-by-Side Management ...................................... 12 External Compensation for the Sale of Securities to Clients ........................................................................ 12 Item 7: Types of Clients ..................................................................................................................... 12 Sharing of Capital Gains .............................................................................................................................................. 12 Description ....................................................................................................................................................................... 12 Item 8: Methods of Analysis, Investment Strategies and Risk of Loss .............................. 13 Account Minimums ....................................................................................................................................................... 12 Methods of Analysis ...................................................................................................................................................... 13 Item 9: Disciplinary Information ................................................................................................... 13 Investment Strategy ..................................................................................................................................................... 13 Criminal or Civil Actions ............................................................................................................................................. 13 Administrative Enforcement Proceedings .......................................................................................................... 13 Self-Regulatory Organization Enforcement Proceedings ............................................................................. 13 iii One Life Financial Group, Inc.  Item 10: Other Financial Industry Activities and Affiliations ............................................. 15 Security Specific Material Risks ............................................................................................................................... 13 Broker-Dealer or Representative Registration ................................................................................................. 15 Futures or Commodity Registration ...................................................................................................................... 15 Material Relationships Maintained by this Advisory Business and Conflicts of Interest ................ 15 Item 11: Code of Ethics, Participation or Interest in Client Transactions and Personal Recommendations or Selections of Other Investment Advisors and Conflicts of Interest ............. 15 Trading ................................................................................................................................................... 15 Code of Ethics Description ......................................................................................................................................... 15 Investment Recommendations Involving a Material Financial Interest and Conflict of Interest. 16 Advisory Firm Purchase of Same Securities Recommended to Clients and Conflicts of Interest 16 Client Securities Recommendations or Trades and Concurrent Advisory Firm Securities Item 12: Brokerage Practices ......................................................................................................... 16 Transactions and Conflicts of Interest .................................................................................................................. 16 Factors Used to Select Broker-Dealers for Client Transactions ................................................................. 16 Item 13: Review of Accounts ........................................................................................................... 17 Aggregating Securities Transactions for Client Accounts ............................................................................. 17 Schedule for Periodic Review of Client Accounts or Financial Plans and Advisory Persons Involved ............................................................................................................................................................................. 17 Review of Client Accounts on Non-Periodic Basis ........................................................................................... 17 Item 14: Client Referrals and Other Compensation ................................................................ 17 Content of Client Provided Reports and Frequency ........................................................................................ 17 Economic benefits provided to the Advisory Firm from External Sources and Conflicts of Interest ............................................................................................................................................................................... 17 Item 15: Custody .................................................................................................................................. 18 Advisory Firm Payments for Client Referrals .................................................................................................... 18 Item 16: Investment Discretion ..................................................................................................... 19 Account Statements ...................................................................................................................................................... 18 Item 17: Voting Client Securities ................................................................................................... 19 Discretionary Authority for Trading...................................................................................................................... 19 Item 18: Financial Information ...................................................................................................... 19 Proxy Votes ...................................................................................................................................................................... 19 Balance Sheet .................................................................................................................................................................. 19 iv One Life Financial Group, Inc.  Financial Conditions Reasonably Likely to Impair Advisory Firm’s Ability to Meet Commitments to Clients ............................................................................................................................................................................ 19 Brochure Supplement (Part 2B of Form ADV) .......................................................................... 21 Bankruptcy Petitions during the Past Ten Years .............................................................................................. 19 Principal Executive Officer ........................................................................................................................................ 21 Brian Westfall Lahr ....................................................................................................................................................... 21 Item 2 Educational Background and Business Experience .......................................................................... 21 Item 3 Disciplinary Information .............................................................................................................................. 21 Item 4 Other Business Activities ............................................................................................................................. 21 Item 5 Additional Compensation ............................................................................................................................ 21 Item 6 Supervision ........................................................................................................................................................ 21 v One Life Financial Group, Inc.  Item 4: Advisory Business Firm Description One Life Financial Group, Inc. (“One Life”) was founded in 2011 and became registered as an investment advisor in 2015. Brian Westfall Lahr is 100% stockholder. Types of Service Plans Services Silver Gold Platinum Asset Management Services + + + Held Away Wealth Management* - + + Education Account Management + + + One Life Coaching Custom Planning** + Silver + Gold + Platinum Tax Planning - + + Stock Award Guidance - + + Education Planning - + + Insurance Planning - + + Estate Planning - + + Cash Flow Planning - + + Social Security Optimization - + + - + + - + + Annuity Optimization Life Transition Planning (Death, Divorce, Home Purchase, etc.) Company Benefit Analysis - + + Business Planning Tools - Silver + Gold + Platinum Definition: (+) included service Financial Planning Website + + + *Company retirement plan accounts may be limited to 40 investment options for each account. Plans with more than 40 options may be considered more than one account or be subject to an additional fee. For example, a retirement plan with 120 investment choices may be considered three accounts. **Custom planning maintenance is available as meeting time permits. Additional work can be provided in a separate agreement or by moving to a different service level. ASSETS UNDER MANAGEMENT One Life offers discretionary assets under management services to clients engaged in Wealth Management and Held Away Wealth Management services. One Life will offer clients ongoing portfolio management services through determining individual investment goals, time horizons, objectives, and risk tolerance. Investment strategies, investment selection, asset allocation, portfolio monitoring and the overall investment program will be based on the above factors. The client will authorize One Life discretionary authority to © 6 Copyright One Life Financial Group, Inc. 2011-2017  execute selected investment program transactions as stated within the Investment Advisory Agreement. ONE-TIME PLANNING/CONSULTING SERVICES Clients may engage One Life for a one-time consulting arrangement. Services include but Core Financial Life Planning Services are not limited to: • • Held Away Wealth Management* Financial Plan Development Education Account Management • • • Portfolio Strategy One Life Coaching Custom Planning Maintenance • • Tax Planning • Stock Award Guidance • Education Planning • Insurance Planning • Estate Planning • Cash Flow Planning • Social Security Optimization • Annuity Optimizaztion • Life Transition Planning (Death, Divorce, Home Purchase, etc.) • Company Benefits Analysis Business Planning *Company retirement plan accounts may be limited to 40 investment options for each account. Plans with more than 40 options may be considered more than one account or be subject to an additional fee. For example, a retirement plan with 120 investment choices may be considered three accounts. **Custom planning maintenance is available as meeting time permits. Additional work can be provided in a separate agreement or by moving to a different service level. Client Tailored Services and Client Imposed Restrictions The goals and objectives for each client are documented in our client files. Investment strategies are created that reflect the stated goals and objective. Clients may impose restrictions on investing in certain securities or types of securities. Agreements may not be assigned without written client consent. © 7 Copyright One Life Financial Group, Inc. 2011-2017  Wrap Fee Programs Client Assets under Management One Life does not sponsor any wrap fee programs. One Life has the following assets under management: Discretionary Amounts: Non-discretionary Amounts: $117,982,819 $0 Date Calculated: April 7, 2026 Item 5: Fees and Compensation Method of Compensation and Fee Schedule GOLD, SILVER, & PLATINUM SERVICE PLANS MEETINGS Silver Gold Platinum The following financial planning and direct asset management services are available to advisory Clients. The table below provides an example of the services we offer, including the typical number of meetings and associated costs. It also outlines the assets under management standards, including the typical amount of assets managed and any standard minimum account requirements. Typical number of meetings – Year 1 1-3 1-4 1-5 Maximum meetings available – Year 1 6 8 10 Typical number of meetings – Year 2 1 1-2 1-4 Maximum meetings available – Year 2 1 4 8 $150-350 $150-350 $150-350 Additional meetings (hourly, if requested)* PLANNING FEES Initial fees $900 to $5,400 Typical minimum annual fee $1,800 $1,200 to $7,200 $2,400 $1,800 to $10,800 $3,600 Maximum annual fee ASSET UNDER MANAGEMENT (AUM) Annual Review $7,500 Silver Included $15,000 Gold Included $25,000 Platinum Included Typical client investment assets <$750K $1.5M-$3.0M $3.0M+ AUM FEES Minimum investment assets required $750K $1.5M $3.0M *Additional planning meetings are available at an hourly rate if needed. Number of meetings includes the See detailed fee schedule below annual review. Time is billed in ¼ increments above and beyond. Service plan changes are made at year- end and can be requested if your asset levels fall below the minimum requirements. © Clients enrolling in the Silver, Gold, or Platinum service plans are generally placed in the Unbundled fee structure, which is our standard and preferred arrangement. In certain circumstances, a Bundled fee structure may be used at our discretion, such as when a new client does not meet the investment minimums for the Unbundled structure (for example, a high-income business owner with substantial earnings but lower investable assets) or 8 Copyright One Life Financial Group, Inc. 2011-2017  when an existing client declines to transition to the Unbundled structure. In such cases, fees under the Bundled arrangement may be adjusted accordingly. A description of each fee structure is provided below. PAYMENT OPTION #1 – UNBUNDLED SERVICES Unbundled services provide Silver, Gold, and Platinum clients with both ongoing Financial Life Planning and Wealth Management services in exchange for a combination of fees that include: 1) a fixed Ongoing Financial Planning & Consulting fee & 2) A percentage of Wealth Management fee. The fixed ongoing financial planning & consulting fee covers Held Away Wealth Management services. In other words, One Life Financial Group does not charge a percentage fee for Held Away Wealth Management Services (Including but not limited to: Company Retirement Plans, Education, and other accounts). 1) ONGOING FINANCIAL PLANNING and CONSULTING FEES Ongoing Financial Planning and Consulting Services are offered on a negotiable flat fee. This consists of an initial upfront fee plus an ongoing annual fee that is mutually agreed upon. Initial fees typically range from $900 to $10,800 depending on the scope and complexity of services provided. Annual fees typically range from $1,800 to $25,000 depending on the complexity of services client is requiring after the initial plan implementation. Initial and ongoing fees are based on the unique client needs, estimated service time and complexity of the client’s situation. Prior to engaging in planning services, the client will be provided with fees for the scope of work to be completed in writing. The client can pay the initial fee in full upon signing the agreement, in two equal installments, or in three equal installments. Ongoing fees are paid monthly/quarterly each month/quarter thereafter until the agreement has been terminated. Client may cancel within fifteen (15) business days of signing Agreement and receive 100% refund, or any unearned fees will be refunded to the client, whichever is greater. After the initial fifteen business days, the client may cancel services at any time with a 30-day written notice. Any unearned fees will be refunded to the client, or any unpaid earned fees will be due to One Life. 2) MAXIMUM Typical WEALTH MANAGEMENT FEE One Life charges an annual Wealth Management fee based on the total amount of assets under management. Annual Fee Assets Under Management Annual Fee 1.49% 1.297% 0.979% 0.897% 0.797% 0.697% 0.479% 0.379% 0.297% 0.179% First $100,000 ($0-$100,000) Next $250,000 ($100,000.01 - $350,000) Next $500,000 ($350,000.01 - $850,000) Next $1,000,000 ($850,000.01 - $1,850,000) Next $1,500,000 ($1,850,000.01 - $3,350,000) Next $2,000,000 ($3,350,000.01 - $5,350,000) Next $3,000,000 ($5,350,000.01 - $8,350,000) Next $5,000,000 ($8,350,000.01 - $13,350,000) Next $10,000,000 ($13,350,000.01 - $23,350,000) Over $23,350,000 3.00% 3.00% 3.00% 2.49% 1.49% 1.39% 1.29% 1.19% 1.09% .99% © 9 Copyright One Life Financial Group, Inc. 2011-2017  This is a blended fee schedule; the asset management fee is calculated by applying different rates to different portions of the portfolio. One Life may group certain related Client accounts for the purposes of achieving the minimum account size and determining the annualized fee. If margin is utilized, the fees will be based on the net asset value of the For example, (based on a full quarter billing period) a Client with $3,350,000 under account. management would pay $7,639.75 on a quarterly basis as follows if the client were paying the TYPICAL annual fee: Quarterly fee (annual fee/4) x .3725% = x .3243% = x .2448% = x .2243% = x .1993% = AUM $100,000 $250,0000 $500,000 $1,000,000 $1,500,000 Grand total for the quarter Total $372.50 $810.75 $1,224 $2,243 $2,989.50 $7,639.75 The annual fee may be negotiable and is often below the MAXIMUM annual fee noted above. Accounts within the same household may be combined for a reduced fee. Fees are billed monthly or quarterly in advance based on the amount of assets managed as of the last business day of the previous month/quarter. If cash and/or securities are deposited or withdrawn, a prorated fee will be charged on the net value of the deposit and/or withdrawn as of the date of the activity. Lower fees for comparable services may be available from other advisers for similar services. Initial fees for partial months/quarters are pro-rated, based on the number of days in the month/quarter, and for all in-flows and out-flows throughout the previous month/quarter. Quarterly advisory fees deducted from the client’s account by the custodian will be reflected in an invoice, or quarterly report, as fees are withdrawn. PAYMENT OPTION #2 - BUNDLED SERVICES Bundled services provide Silver, Gold, and Platinum clients with ongoing Financial Life Planning services and Wealth Management services in exchange for an initial fee and one fixed ongoing fee. INITIAL FEES 1) Initial fees are based on estimated on-boarding work, number of meetings, and/or plan implementation assistance. INITIAL FEES are typically: $1,000 - $5,000 (Silver), $1,800 - $8,000(Gold), and $4,000- $12,000 (Platinum). • The following payment options are available: • Pay in Full: Pay the entire amount at the time of signing the initial agreement. Three Installments: 1. First Installment: Due at signing of the initial agreement. 2. Second Installment: Due 30 days after signing the agreement. 3. Third Installment: Due 60 days after signing the agreement. © 10 Copyright One Life Financial Group, Inc. 2011-2017  ONGOING FEES 2) The ongoing bundled service fee is based on the complexity of the client’s scope of services and the needs of the clients and may include factors such as net worth, income, number of meetings, etc. Minimum annual fees are: $5,000(Silver), $15,000 (Gold), and $25,000 (Platinum). Maximum annual fees are: $12,000(Silver), $30,000 (Gold), and $60,000 (Platinum). Fees are billed in advance and can be paid quarterly from a managed investment account or monthly on the 1st or 15th via debit or credit card. If not deducted from a managed account, clients will be invoiced and pay One Life directly. Ongoing fees billed quarterly typically begin 90 days after the initial agreement is signed. Ongoing fees billed monthly via debit/credit card typically begin in the third month after the agreement is signed. For any of the above services, Client may cancel within fifteen (15) business days of signing Agreement and receive 100% refund or any unearned fees will be refunded to the client, whichever is greater. After the initial fifteen business days, the client may cancel services at any time with a 30 days written notice and any unearned fees will be refunded to the client, or any unpaid earned fees will be due to One Life. Client shall be given 30-day prior written notice of any increase in fees and client will acknowledge, in writing, any agreement of increase in said fees. Fees are calculated at the time of client/planner engagement, when an agreement is signed. ONE-TIME PLANNING/CONSULTING SERVICES FEES Client will acknowledge, in writing, before any increase in said fees occurs. One-time consulting services are offered based on an hourly fee between $150 and $350/hour or a fixed fee of $1,000 - $15,000 depending on the experience of the advisor providing the advice and the complexity of the services requested. Clients will be provided an estimated fee prior to the client engaging in services. The client can pay the initial fee in full upon signing the agreement, in two equal installments, or in three equal installments. Services are completed and delivered inside of six (6) months. Client may cancel within fifteen (15) business days of signing Agreement for a full refund. After the initial fifteen business days, the client may cancel services at any time with a 30-day written notice and any unearned fees will be refunded to the client any, unpaid earned fees will be due to One Client Payment of Fees Life. Wealth Management fees are billed quarterly in advance. Payment in full is expected upon invoice presentation. Fees are typically deducted from a designated client account to facilitate billing. The client must consent in advance to direct debiting of their investment account. Fees for financial plans are billed at commencement of the agreement, in monthly installments or .upon plan delivery. © 11 Copyright One Life Financial Group, Inc. 2011-2017  Additional Client Fees Charged Custodians may charge transaction fees on purchases or sales of certain mutual funds, equities, and exchange-traded funds. Clients may incur certain charges imposed by custodians, brokers, and other third parties such as custodial fees, deferred sales charges, odd-lot differentials, transfer taxes, margin interest, wire transfer and electronic fund fees, and other fees and taxes on brokerage accounts and securities transactions. One Life, in its sole discretion, may waive its minimum fee and/or charge a lesser investment advisory fee based upon certain criteria such as the historical relationship, type of assets, anticipated future earning capacity, anticipated future assets, dollar amounts of assets to be managed, related accounts, account composition, negotiations with clients, or other factors. Prepayment of Client Fees For more details on brokerage practices, see Item 12 of this brochure. One Life does not require prepayment of fees of more than $1,200 per client and six months External Compensation for the Sale of Securities to Clients or more in advance. One Life does not receive any external compensation for the sale of securities to clients, nor do any of the investment advisor representatives of One Life. Item 6: Performance-Based Fees and Side-by-Side Management Sharing of Capital Gains Fees are not based on a share of the capital gains or capital appreciation of managed securities. One Life does not use a performance-based fee structure because of the conflict of interest. Performance-based compensation may create an incentive for the adviser to recommend an investment that may carry a higher degree of risk to the client. Item 7: Types of Clients Description One Life generally provides investment advice to individuals, high net worth individuals, trusts, estates, corporations and business entities. Client relationships vary in scope and length of service. We limit our households to 150 and do not take on more than 3 clients per month. Our client household cap, and monthly cap, exclude children of clients and corporate/trust clients. Account Minimums One Life requires a minimum of $750,000 to open and maintain an account. In certain instances, the minimum account size may be lowered or waived. © 12 Copyright One Life Financial Group, Inc. 2011-2017  Item 8: Methods of Analysis, Investment Strategies and Risk of Loss Methods of Analysis Security analysis methods may include fundamental analysis, technical analysis, and cyclical analysis. Investing in securities involves risk of loss that clients should be prepared to bear. Past performance is not a guarantee of future returns. Fundamental analysis involves evaluating a stock using real data such as company revenues, earnings, return on equity, and profits margins to determine underlying value and potential growth. Technical analysis involves evaluating securities based on past prices and volume. Cyclical analysis involves analyzing the cycles of the market. When creating a financial plan, One Life utilizes fundamental analysis to provide review of insurance policies for economic value and income replacement. Technical analysis is used to review mutual funds and individual stocks. The main sources of information include Morningstar, client documents such as tax returns, account statements, employer benefit documents, and insurance policies. In developing a financial plan for a client, One Life’s analysis may include cash flow analysis, investment planning, risk management, tax planning and estate planning. Based on the information gathered, a detailed strategy is tailored to the client’s specific situation. The main sources of information include financial newspapers and magazines, annual Investment Strategy reports, prospectuses, and filings with the Securities and Exchange Commission. The investment strategy for a specific client is based upon the objectives stated by the client during consultations. The client may change these objectives at any time. Each client executes an Investment Policy Statement or Risk Tolerance or Investment Strategy in their financial plan that documents their objectives and their desired investment strategy. Other strategies may include long-term purchases, short-term purchases, trading, and option writing (including covered options, uncovered options or spreading strategies). Item 9: Disciplinary Information Criminal or Civil Actions Administrative Enforcement Proceedings The firm and its management have not been involved in any criminal or civil action. The firm and its management have not been involved in administrative enforcement Self-Regulatory Organization Enforcement Proceedings proceedings. The firm and its management have not been involved in legal or disciplinary events related to past or present investment clients. Security Specific Material Risks All investment programs have certain risks that are borne by the investor. Fundamental analysis may involve interest rate risk, market risk, business risk, and financial risk. Risks involved in technical analysis are inflation risk, reinvestment risk, and market risk. Cyclical analysis involves inflation risk, market risk, and currency risk. © 13 Copyright One Life Financial Group, Inc. 2011-2017  Our investment approach considers a variety of risks when customizing a strategy for the client. . Investors may face the following investment risks and should discuss their unique • Longevity Risk risks with One Life: • : The chance that people live longer than they expected can be very expensive. For example, an individual who planned on living until their mid-80’s Interest-rate Risk could run out of money if they lived until their mid-90’s. • Market Risk : Fluctuations in interest rates may cause investment prices to fluctuate. For example, when interest rates rise, yields on existing bonds become less attractive, causing their market values to decline. • : The price of a security, bond, or mutual fund may drop in reaction to tangible and intangible events and conditions. This type of risk is caused by external factors independent of a security’s particular underlying circumstances. For example, Inflation Risk political, economic and social conditions may trigger market events. : When any type of inflation is present, a dollar today will buy more than • Currency Risk a dollar next year, because purchasing power is eroding at the rate of inflation. • Reinvestment Risk : Overseas investments are subject to fluctuations in the value of the dollar against the currency of the investment’s originating country. This is also referred to as exchange rate risk. • Business Risk : This is the risk that future proceeds from investments may have to be reinvested at a potentially lower rate of return (i.e. interest rate). This primarily relates to fixed income securities. • Liquidity Risk : These risks are associated with a particular industry or a particular company within an industry. For example, oil-drilling companies depend on finding oil and then refining it, a lengthy process, before they can generate a profit. They carry a higher risk of profitability than an electric company which generates its income from a steady stream of customers who buy electricity no matter what the economic environment is like. : Liquidity is the ability to readily convert an investment into cash. Generally, assets are more liquid if many traders are interested in a standardized product. For example, Treasury Bills are highly liquid, while real estate properties • Financial Risk are not. • Trading on Margin: : Excessive borrowing to finance a business’ operations increases the risk of profitability, because the company must meet the terms of its obligations in good times and bad. During periods of financial stress, the inability to meet loan obligations may result in bankruptcy and/or a declining market value. In a cash account, the risk is limited to the amount of money that has been invested. In a margin account, risk includes the amount of money invested plus the amount that has been loaned. As market conditions fluctuate, the value of marginable securities will also fluctuate, causing a change in the overall account balance and debt ratio. As a result, if the value of the securities held in a margin account depreciates, the Client will be required to deposit additional cash or make full payment of the margin loan to bring account back up to maintenance levels. Clients who cannot comply with such a margin call may be sold out or bought in by the brokerage firm. © 14 Copyright One Life Financial Group, Inc. 2011-2017  Item 10: Other Financial Industry Activities and Affiliations Broker-Dealer or Representative Registration Futures or Commodity Registration No affiliated representatives of One Life are registered representatives of a broker-dealer. Neither One Life nor its employees are registered or has an application pending to register as a futures commission merchant, commodity pool operator, or a commodity trading Material Relationships Maintained by this Advisory Business and Conflicts of advisor. Interest There are no material relationships to disclose. Recommendations or Selections of Other Investment Advisors and Conflicts of Interest One Life does not utilize the services of Third Party Money Managers to manage client accounts. Item 11: Code of Ethics, Participation or Interest in Client Transactions and Personal Trading Code of Ethics Description The employees of One Life have committed to a Code of Ethics (“Code”). The purpose of our Code is to set forth standards of conduct expected of One Life employees and addresses conflicts that may arise. The Code defines acceptable behavior for employees of One Life. The Code reflects One Life and its supervised persons’ responsibility to act in the best interest of their client. One area the Code addresses is when employees buy or sell securities for their personal accounts and how to mitigate any conflict of interest with our clients. We do not allow any employees to use non-public material information for their personal profit or to use internal research for their personal benefit in conflict with the benefit to our clients. One Life’s policy prohibits any person from acting upon or otherwise misusing non-public or inside information. No advisory representative or other employee, officer or director of One Life may recommend any transaction in a security or its derivative to advisory clients or engage in personal securities transactions for a security or its derivatives if the advisory representative possesses material, non-public information regarding the security. One Life’s Code is based on the guiding principle that the interests of the client are our top priority. One Life’s officers, directors, advisors, and other employees have a fiduciary duty to our clients and must diligently perform that duty to maintain the complete trust and confidence of our clients. When a conflict arises, it is our obligation to put the client’s interests over the interests of either employees or the company. to clients, or who have access The Code applies to “access” persons. “Access” persons are employees who have access to non-public information regarding any clients' purchase or sale of securities, or non-public information regarding the portfolio holdings of any reportable fund, who are involved in making securities recommendations to such recommendations that are non-public. © 15 Copyright One Life Financial Group, Inc. 2011-2017  The firm will provide a copy of the Code of Ethics to any client or prospective client upon Investment Recommendations Involving a Material Financial Interest and Conflict request. of Interest One Life and its employees do not recommend to clients securities in which we have a Advisory Firm Purchase of Same Securities Recommended to Clients and Conflicts material financial interest. of Interest One Life and its employees may buy or sell securities that are also held by clients. In order to mitigate conflicts of interest such as trading ahead of client transactions, employees are required to disclose all reportable securities transactions as well as provide One Life with copies of their brokerage statements. The Chief Compliance Officer of One Life is Brian Lahr. He reviews all employee trades each quarter. The personal trading reviews ensure that the personal trading of employees does not affect the markets and that clients of the firm receive preferential treatment over Client Securities Recommendations or Trades and Concurrent Advisory Firm employee transactions. Securities Transactions and Conflicts of Interest One Life does not maintain a firm proprietary trading account and does not have a material financial interest in any securities being recommended and therefore no conflicts of interest exist. However, employees may buy or sell securities at the same time they buy or sell securities for clients. In order to mitigate conflicts of interest such as front running, employees are required to disclose all reportable securities transactions as well as provide One Life with copies of their brokerage statements. Item 12: Brokerage Practices Factors Used to Select Broker-Dealers for Client Transactions • Directed Brokerage One Life may recommend the use of a particular broker-dealer such as Charles Schwab & Co., Inc., or may utilize a broker-dealer of the client's choosing. One Life will select appropriate brokers based on a number of factors including but not limited to their relatively low transaction fees and reporting ability. One Life relies on its broker to provide its execution services at the best prices available. Lower fees for comparable services may be available from other sources. Clients pay for any and all custodial fees in addition to the advisory fee charged by One Life. • Best Execution One Life does not allow client directed brokerage. Investment advisors who manage or supervise client portfolios have a fiduciary obligation of best execution. The determination of what may constitute best execution and price in the execution of a securities transaction by a broker involves a number of considerations and is subjective. Factors affecting brokerage selection include the overall direct net economic result to the portfolios, the efficiency with which the transaction is effected, the ability to effect the transaction where a large block is involved, the operational facilities of the broker-dealer, the value of an © 16 Copyright One Life Financial Group, Inc. 2011-2017  • Soft Dollar Arrangements ongoing relationship with such broker and the financial strength and stability of the broker. The firm does not receive any portion of the trading fees. The Securities and Exchange Commission defines soft dollar practices as arrangement under which products or services other than execution services are obtained by One Life from or through a broker-dealer in exchange for directing client transactions to the broker-dealer. As permitted by Section 28(e) of the Securities Exchange Act of 1934, One Life receives economic benefits as a result of commissions generated from securities transactions by the broker-dealer from the accounts of One Life. These benefits include both proprietary research from the broker and other research written by third parties. Aggregating Securities Transactions for Client Accounts A conflict of interest exists when One Life receives soft dollars. This conflict is mitigated by disclosures, procedures, and the firm’s Fiduciary obligation to act in the best interest of its clients and the services received are beneficial to all clients. One Life is authorized in its discretion to aggregate purchases and sales and other transactions made for the account with purchases and sales and transactions in the same securities for other Clients of One Life. All clients participating in the aggregated order shall receive an average share price with all other transaction costs shared on a pro-rated basis. Item 13: Review of Accounts Schedule for Periodic Review of Client Accounts or Financial Plans and Advisory Persons Involved Account reviews are performed quarterly by the Chief Compliance Officer of One Life. Account reviews are performed more frequently when market conditions dictate. Financial Plans are considered complete when recommendations are delivered to the client and Review of Client Accounts on Non-Periodic Basis reviews are done annually or when requested by client. Other conditions that may trigger a review of clients’ accounts are changes in the tax laws, Content of Client Provided Reports and Frequency new investment information, and changes in a client's own situation. Clients receive written account statements no less than quarterly for managed accounts. Account statements are issued by the One Life’s custodian. Client receives confirmations of each transaction in account from Custodian and an additional statement during any month in which a transaction occurs. Item 14: Client Referrals and Other Compensation Economic benefits provided to the Advisory Firm from External Sources and Conflicts of Interest One Life Financial Group (OLFG) was granted access to use Dimensional or DFA (Dimensional Fund Advisors) mutual funds. Dimensional is an asset management company that offers investment solutions such as mutual funds and ETFs (exchange traded funds). © OLFG is not obligated to recommend or use Dimensional mutual funds or ETFs within client portfolios. Even though OLFG is not under any obligation or contract to use Dimensional 17 Copyright One Life Financial Group, Inc. 2011-2017  funds, we find value in the tools, resources, and investment solutions that are available through Dimensional. There are no agreements in place that would provide OLFG or Dimensional with payment for using or recommending Dimensional funds within OLFG managed client portfolios. OLFG appreciates Dimensional’s commitment to providing helpful tools and resources that can help educate advisors, team members, and the clients we serve. We also enjoy working with a company that provides lower cost investment solutions and that has a commitment to keep fees reasonable. For example, Dimensional did not pay for airfare or hotel costs when our team members attended some of their recent workshops. Dimensional provides OLFG with certain benefits for using their funds at no cost to OLFG. The benefits provided to OLFG members are similar for others in the industry who use Dimensional funds in client portfolios which may include: Access to Dimensional’s website. Their website provides educational tools and materials for clients and advisors (videos and handouts), newsletters, academic research, and historical market data. Access to Dimensional software and returns program to assist in investment research and client portfolio management decisions. Historical returns data which may be used in financial planning software to stress test OLFG client portfolios. Printed materials (handouts, educational materials, articles, investment research, matrix book with historical returns, reprints and other printed materials). Meetings with employees of Dimensional to discuss best practices for portfolio design using Dimensional mutual funds, investment strategies, business succession, and other topics. Attendance at Dimensional workshops or seminars to gain knowledge about Dimensional’s investment solutions. OLFG covers the cost to travel to Dimensional events and the cost of hotels for advisors and staff attending seminars. Dimensional has provided members of OLFG with workshop materials, meals, and use of their facilities at no charge to members of OLFG. Sharing of best practices and research on various financial planning and investment strategies. Sharing of best practices used by other firms and advisors in the industry. information about Dimensional can be found on their website at Additional https://us.dimensional.com/. Advisory Firm Payments for Client Referrals One Life does not compensate for client referrals. Item 15: Custody Account Statements All assets are held at qualified custodians, which means the custodians provide account statements directly to clients at their address of record at least quarterly. Clients are urged to compare the account statements received directly from their custodians to the performance report statements prepared by One Life. © 18 Copyright One Life Financial Group, Inc. 2011-2017  One Life is deemed to have constructive custody solely because advisory and/or financial planning fees are directly deducted from client’s account by the custodian on behalf of One Life. Item 16: Investment Discretion Discretionary Authority for Trading One Life requires discretionary authority to manage securities accounts on behalf of clients. One Life has the authority to determine, without obtaining specific client consent, the securities to be bought or sold, and the amount of the securities to be bought or sold and the custodian to be used. One Life does not receive any portion of the transaction fees or commissions paid by the client to the custodian on certain trades. Item 17: Voting Client Securities Proxy Votes One Life does not vote proxies on securities. Clients are expected to vote their own proxies. The client will receive their proxies directly from the custodian of their account or from a transfer agent. When assistance on voting proxies is requested, One Life will provide recommendations to the client. If a conflict of interest exists, it will be disclosed to the client. Item 18: Financial Information Balance Sheet A balance sheet is not required to be provided because One Life does not serve as a custodian for client funds or securities and One Life does not require prepayment of fees of Financial Conditions Reasonably Likely to Impair Advisory Firm’s Ability to Meet more than $1,200 per client and six months or more in advance. Commitments to Clients One Life has no condition that is reasonably likely to impair our ability to meet contractual Bankruptcy Petitions during the Past Ten Years commitments to our clients. Neither One Life nor its management has had any bankruptcy petitions in the last ten years. © 19 Copyright One Life Financial Group, Inc. 2011-2017  Item 1 Cover Page S U P E R V I S E D P E R S O N B R O C H U R E F O R M A D V P A R T 2 B Brian Westfall Lahr Office Address: th St. N. 6922 125 White Bear Lake, MN 55110 Tel: 763-251-8040 Fax: 612-395-5489 blahr@onelifefg.com www.onelifefg.com April 7, 2026 This brochure supplement provides information about Brian Lahr and supplements the One Life Financial Group, Inc.’s brochure. You should have received a copy of that brochure. Please contact Brian Lahr if you did not receive the brochure or if you have any questions about the A D D I T I O N A L I N F O R M A T I O N A B O U T B R I A N L A H R ( C R D # 4 6 7 2 3 3 1 ) I S contents of this supplement. A V A I L A B L E O N T H E S E C ’ S W E B S I T E A T W W W . A D V I S E R I N F O . S E C . G O V . © 20 Copyright One Life Financial Group, Inc. 2011-2017  Brochure Supplement (Part 2B of Form ADV) Supervised Person Brochure Principal Executive Officer Brian Westfall Lahr • Item 2 Educational Background and Business Experience Year of birth: 1980 • Educational Background: St. John’s University; BS, Management; 2003 • Business Experience: • One Life Financial Group, Inc.; President/Investment Advisor Representative; 12/2015 – Present • Clover Financial Technologies; Managing Member; 08/2018 – 12/2024 • Lahr Family Farms; Owner; 03/2018 – 12/2024 • Brian W. Lahr, LLC; President/Rental Property; 04/2007 – 03/2017 • Independent Insurance Agent; 06/2003 – 03/2017 • One Life Financial Group, Inc.; President/dba for securities and advisory business; 11/2011 – 12/2015 • Cetera Advisor Networks; Financial Life Planner; 01/2013 – 12/2015 • AdvisorNet Wealth Management; Financial Life Planner; 08/2012 – 12/2015 • Financial Network; Financial Life Planner; 04/2012 – 12/2012 • CRI Securities; Financial Advisor; 06/2003 – 04/2012 • MN Life Insurance Company; Financial Advisor; 06/2003 – 04/2012 • North Star Consultants; Insurance Agent; 06/2003 – 04/2012 • Engineered Tax Services; Sales/Consulting; 04/2008 – 12/2009 • GT Mortgage; Sales/Consulting; 04/2008 – 12/2009 Marathon Advisors; Investment Advisor Representative; 07/2003 – 12/2007 None to report. Item 3 Disciplinary Information Criminal or Civil Action: Administrative Proceeding: Self-Regulatory Proceeding: Item 4 Other Business Activities None to report. None to report. Item 5 Additional Compensation Item 6 Supervision Mr. Lahr does not receive any additional compensation. Since Mr. Lahr is the sole owner and Chief Compliance Officer of One Life Financial Group, Inc. He is solely responsible for all supervision, formulation and monitoring of investment © 21 Copyright One Life Financial Group, Inc. 2011-2017  advice offered to clients. He will adhere to the policies and procedures described in the firm’s Compliance Manual. He can be reached at 763-251-8040 or blahr@onelifefg.com. © 22 Copyright One Life Financial Group, Inc. 2011-2017