In this brochure, references to “we”, “us”, “our”, “our firm”, “the firm” and “LifeCourse refers to LifeCourse Capital, Inc. Individuals who serve as our directors, officers, and representatives are referred to as our “advisors” “investment advisory representatives” or “IARs”. Our firm’s clients are referred to as “you” “your” or “our clients”. A. LifeCourse was established in November of 2001. LifeCourse is wholly owned by Stephen and Deena Williams B. Our firm offers the following advisory services. As previously stated, each of the services is more fully described below.

•Investment Management
•Qualified Plan Asset Allocation
•Financial Planning and Consulting C. LifeCourse tailors the advisory services it offers to your individual needs. You may impose restrictions and/or limitations on investments in certain securities or types of securities.
We will ask you to complete a client account form to assist us with obtaining information about your financial situation and history. You should expect at least two meetings before implementation begins. The first meeting LifeCourse conducts is an interview and data gathering session to obtain a complete picture of your financial situation, goals, objectives, concerns and risk profile. The information gathered by LifeCourse will assist LifeCourse to provide you with the requested services and customize the services to your financial situation. Depending on the services you have requested, LifeCourse will gather various financial information and history from you including, but not limited to:
•Retirement and financial goals
•Investment objectives
•Investment horizon
•Financial needs
•Cash flow analysis
•Cost of living needs
•Education needs
•Savings tendencies
•Other applicable financial information required by LifeCourse in order to provide the investment advisory services requested.
D. LifeCourse does not participate in any wrap fee programs.
E. As of December 31, 2023 we have $124,457,007 of client assets under our discretionary management and $1,970,975 of client assets under non-discretionary management. LifeCourse does not have non-discretionary assets under management.
Investment Management Services LifeCourse offers a model portfolio management platform. We have designed four model portfolios. Generally, clients’ accounts are managed based on the model(s) selected for the client. Therefore, you are advised that your account will be similarly managed and potentially identical to another client’s account in the same model. If a change is made to the model, the change will be applied across all clients’ accounts invested like the model. The model portfolio platform consists of four models that are passively managed. a)Conservative b)Moderate c)Growth d)Aggressive The four passively managed portfolios are reviewed and monitored on a quarterly basis. Rebalancing and reallocation are done on a quarterly or annual basis or more frequently if deemed appropriate by LifeCourse. The conservative portfolio is designed for clients primarily seeking current income and low to moderate capital growth. The moderate portfolio is designed for clients primarily seeking capital growth and some current income. The growth portfolio is designed for clients primarily seeking capital growth without any need for income. The aggressive portfolio is designed for clients with a long-term horizon who are primarily seeking to maximize their long-term returns rather than minimizing short-term fluctuation. LifeCourse will provide continuous and ongoing management of your account. Unless otherwise expressly requested by you, we will manage the account on a discretionary basis and will make changes to the allocation as we deem appropriate. LifeCourse will determine the securities to be purchased and sold in the account and will alter the securities holdings from

time to time, without prior consultation with you. We may actively trade securities and hold such holdings for periods of 30 days or less or maintain positions for longer or shorter-term periods. If you elect to have your accounts managed on a nondiscretionary basis, no changes will be made to the allocation of your account without prior consultation with you and your expressed agreement. Non-discretionary accounts carry risks including the risk of missing market opportunities since transactions cannot be implemented without your expressed authorization. Additionally, costs may be higher since your transactions may not participate in block or aggregated orders. You are advised that transactions in the account, account reallocations and rebalancing may trigger a taxable event for you, with the exception of IRA accounts, 403(b) accounts and other qualified retirement accounts. Since accounts are managed based on the model, LifeCourse does not take into consideration each client’s individual tax situation when conducting transactions in client accounts. Therefore, you are advised that the managed account platforms may not be tax efficient. Qualified Plan Asset Allocation Clients who want asset allocation recommendations for their individual company retirement accounts can engage our firm for asset allocation recommendations. However, we will not participate in the execution of the transactions and will not have access to our clients’ qualified plan accounts. Implementation is solely at the client’s discretion. Our firm will provide our clients with suggested allocation changes to their qualified plan account via email. Our allocation advice will be limited to the options available within the client’s qualified plan options. Financial Planning and Consulting Services LifeCourse may provide financial planning and consulting in conjunction with investment management services. This may include general non-securities advice on topics that may include insurance, tax and budgetary planning, estate planning and business planning. These services do not generate a separate fee. Plans are based on your financial situation at the time and are based on financial information disclosed by you to LifeCourse. You are advised that certain assumptions may be made with respect to interest and inflation rates and use of past trends and performance of the market and economy. However, past performance is not an indication of future performance. LifeCourse cannot offer any guarantees or promises that your financial goals and objectives will be met. Further, you must continue to review the plan and update the plan based upon changes in your financial situation, goals, or objectives or changes in the economy. Should your financial situation or investment goals or objectives change, you must notify us promptly of the changes. You are advised that the advice offered by LifeCourse may be limited and is not meant to be comprehensive. Therefore, you may need to seek the services of other professionals such as an insurance adviser, attorney and/or accountant. You are not obligated to implement advice through LifeCourse or our investment advisory representatives. Should you implement the plan with LifeCourse’s investment advisory representatives, commissions or other compensation may be received in addition to the advisory fee paid to LifeCourse. General Information You are advised the investment recommendations and advice offered by LifeCourse are not legal advice or accounting advice. You should coordinate and discuss the impact of financial advice with your attorney and/or accountant. You are advised that it is necessary to inform LifeCourse promptly with respect to any changes in your financial situation and investment goals and objectives. Failure to notify LifeCourse of any such changes could result in investment recommendations not meeting your needs.