INTRODUCTION Optivest, Inc. (herein referred to as “Optivest,” “Firm,” “we,” “our,” “us”) is a Registered Investment Advisory firm registered with the US Securities and Exchange Commission (“SEC”) since March 26, 2008. We are notice filed in our home state and various other states which means we are registered to do business in those states. We conduct business in other states by claiming an exemption from registration. Our registration as an Investment Adviser does not imply any level of skill or training. The oral and written communications we provide you with, including this Brochure, is information you can use to evaluate us and other advisers, which are factors in your decision to hire us or to continue to maintain a mutually beneficial relationship. This Brochure provides information about our qualifications and business practices. OWNERSHIP Optivest is a privately owned corporation headquartered in Dana Point, California. Leslie Calhoun, President & CEO is the only shareholder of the business. ADVISORY SERVICES OFFERED We provide various types of advisory services. These advisory services are offered under two main categories: money management and family office services. There are three main family office service categories: financial and retirement planning, family wealth advisory services, and consultative and concierge services. We provide investment advice to individuals, families, limited partnerships, foundations and personal limited liability companies as well as provide advice on real estate, mortgages (trust deeds) and private business transactions. We conduct in-depth due diligence on real estate and private placements before recommending them to clients. This due diligence includes meetings with principals, review of property or business, financial and legal reviews, investment performance, reviewing past ventures in detail, talking with third party business associates, etc. On a discretionary basis, we design, revise and reallocate custom portfolios for you. Portfolios can consist of individual stocks and bonds, options, ETFs, mutual funds or a combination of any investment vehicles. On an occasional basis, we offer recommendations on interests in partnerships, private placements, hedge funds or other alternative investments. Our advice is not limited to these types of investments. Our service constitutes an ongoing process by which:
• Your investment objectives, constraints and preferences are identified and specified.
• Investment strategies are developed and implemented through a combination of financial assets.
• Capital market conditions and your circumstances are monitored; and
• Portfolio adjustments are made as appropriate to reflect significant changes to any or all of the above relevant variables. We do not participate in any wrap fee programs. MONEY MANAGEMENT SERVICES: Our Money Management Services include portfolio management (which can be either marketable securities or illiquid direct investments), investment supervisory services, investment advice, financial planning, regular reporting and monitoring, business exit and estate planning. Once we understand each client’s unique background, financial situation and objectives, the process of creating an optimum recommendation for a portfolio allocation begins. The process continues by utilizing sophisticated forecasting tools through several different companies and resources to continually research the track records, philosophy of management and personnel history of all programs that we recommend. We perpetually evaluate the general economy, inflation, interest rates, US and foreign stock markets, broad commodity prices and real estate. We also consider both professional and amateur sentiments key indicators in market turns. This current investment discipline is balanced with the client’s unique investment objectives in order to strategically arrive at his or her asset allocation. In addition, our portfolios are far more diversified than the typical stock, bond and cash allocations, many invested across multiple asset sectors. Once the strategic asset allocation is established, the tactical portfolio construction is developed. This further refines a portfolio, diversifying and hedging to minimize volatility and stabilize returns. We will utilize balancing management styles, product and geographic diversification and financial hedges to accomplish this goal. Portfolios are stress-tested against varied potential market conditions and calibrated to target specific income and growth returns. An initial portfolio is created and continually refined as the financial markets change, new products emerge, and the client’s objectives change and mature. Optivest implements a fee structure based on the percentage of assets under management (AUM) or a flat fee; see Item 5 for more information. There is a monitoring and reporting fee for non-discretionary investments charged in accordance with the portfolio management fee schedule. FAMILY OFFICE SERVICES: Optivest provides professional Family Office Services to successful families and individuals who desire in-house, full integration of their investments, estate plans,

real estate, philanthropy and lifestyle needs. These Family Office Services specifically include Financial & Retirement Planning, Family Wealth Advisory, Consultative & Concierge services. Experienced staff are available to meet with your estate planner, insurance and tax professionals as a complement to our Money Management services. The fee schedule for the Family Office Services corresponds with the service selected; fees are outlined below under the respective Family Office Services categories. Some of the below services are offered at an hourly fee between $25 - $500 per hour based on the complexity of the service. Financial and Retirement Planning Services We furnish financial and retirement planning services through consultations which are billed on an hourly basis (ranging between $150 - $500/hour) and are available to consult with those who desire assistance evaluating the impact of material changes in financial position, real estate purchases, philanthropy or other issues that significantly impact your financial position. Additionally, we offer the implementation of the OptiWealth balance sheet aggregator and online platform designed for financial planning and wealth sustainability. This secure online platform is monitored daily offering:
• Synchronized financial organization.
• Cash flow analysis.
• Capture of comprehensive financial situation and statement production
• Retirement projection. If the OptiWealth platform is implemented, a minimum set-up $3,000 fee will be charged. Additional complexity discovered during the plan development may necessitate the additional hourly rate between $150-$500 which will be discussed and agreed upon prior to development. In addition, once a plan has been developed, Optivest will maintain the OptiWealth platform profile at the cost of an annual $1,200 fee valid for 10 hours of support from the Optivest staff throughout the year billed on either a monthly or annual basis. If the complexity or update surpasses the provided 10 hours of support, additional hours within the calendar year may be billed at $150-$500 per hour. Family Wealth Advisory Services Family Wealth is more than money. Family Wealth includes resources and assets in all forms - investments, business interests and real property as well as family name, knowledge, health, values, spirituality, family unity and support of the community. As professional fiduciaries, we specialize in educating and supporting multi-generational families toward successful management and transfer of all aspects of their wealth. We help you prepare for and maneuver through family meetings, optimizing communication as you share your legacy. Family Wealth Advisory services are tailored to your specific needs and are offered by the advisors of Optivest at the rate of $150 - $500 per hour, depending on the complexity of the situation. Consultative and Concierge Services If it matters to you, it matters to us. Optivest’s team is ready to assist with other lifestyle issues that might impact clients and their families. Specifically, our Director of Client Services is dedicated to offering clients exclusive, personalized services through our luxury partnership alliances. We are capable of managing art collections, coordinating travel and leisure plans, appointing house managers and personal assistants – even wedding planning. Some of the services listed below are offered at an additional fee between $25 - $150/hour above and beyond the fees charged by outside vendors hired and/or reservations booked on behalf of the client. Fees can be waived based on the size of the account, scope of engagement or at the discretion of Optivest management. THIRD PARTY MANAGEMENT SERVICES In addition to in-house Portfolio Management services, we offer access to outside Third-Party Managers (“TPMs”). If we recommend that you utilize the services of a TPM to manage a portion of your portfolio, we would recommend to you a TPM whose investment style is believed to be consistent with your financial needs, investment goals, tolerance for risk and stated investment objectives. We will be available to answer questions you have regarding your account and act as the communications conduit between you and the TPM. All TPMs we refer our clients will be properly registered with the appropriate regulator(s). The TPM is granted authority by you to manage and invest your assets. Those who are referred to TPMs will receive full disclosure, including services rendered and fee schedules at the time of the referral by delivery of a copy of the relevant TPM’s brochure or equivalent disclosure document. The TPM may impose a minimum dollar amount of initial assets for the investment advisory services as disclosed in the management agreement. These minimums may be waived at the TPM's discretion. You will be provided the appropriate TPM's disclosure statement, in addition to the TPM's ADV Part2A Brochure and privacy policy, prior to placing the assets with the TPM. In some cases, TPM’s will utilize other qualified custodians. ASSETS UNDER MANAGEMENT As of December 31, 2023, Optivest had approximately $183,141,433 of discretionary assets under management, and $136,767,656 in non-discretionary assets under management.