Amber Alguire

Amber Alguire, Registered Investment Advisor & Agent

National Producer #16297048 / CRD #6057594

Mrs. Alguire entered the financial services industry in 2011. She specializes in helping people and families create the legacy they want and have the lifestyle they long for in retirement. Her clients choose her to be their advisor because she cares about their personal needs and goals and she truly listens to what matters to them. Amber believes in reviewing and educating her clients on their retirement plan options including their current plan and life insurance, so they have the best education and understanding possible. “It’s important to contact a Financial Advisor for the exact reason I stated above, there are so many questions regarding saving and retirement and if it’s not your strong point or what you study and went to school for, it is hard to truly grasp everything you could know and take advantage of that you may enjoy that are out there.” Mrs. Alguire graduated from Towson University with dual Bachelor’s Degrees in Accounting and Finance. She is an Investment Advisor Representative, offering advisory services through Verity Asset Management [Registered Investment Adviser]. Verity Asset Management is not affiliated with Alto Financial Group. Amber maintains her life insurance licenses in CA, FL, MD, VA, DC, NC, NJ, SC, DE, GA, PA. She resides in Harford County, Maryland, where she lives with her husband Jedidiah and their two children.

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Disclosures

Part 2B of Form ADV: Brochure Supplement

4099 William Penn Highway, 4th Floor Monroeville, PA 15146

Verity Asset Management, Inc. dba Encompass More

280 S. Mangum Street Suite 550 Durham, NC 27701

Telephone: 919-490-6717 Email: [email protected] Web Address: www.verityinvest.com

6/3/2019

This brochure supplement provides information about Cameron C. Clay that supplements the Verity Asset Management brochure. You should have received a copy of that brochure. Please contact Verity's Compliance Officer if you did not receive Verity's brochure or if you have any questions about the contents of this supplement.

Additional information about Cameron C. Clay is available on the SEC’s website at www.adviserinfo.sec.gov.

Item 2 Educational Background and Business Experience

Full Legal Name: Cameron Christian Clay Born: 1989 Education

• Penn State University; BA, Journalism; 2010 Business Experience

Verity Asset Management dba Encompass More; Financial Advisor; from 5/2019 to Present
Appreciation Financial; Agent; from 9/2017 to Present
Team Dream Financial; Agent; from11/2013 to 9/2017
Renaissance Christian Academy; Program Director; from 1/2013 to6/2014
American Income Life; Agent; from 11/2011 to 1/2013
Pittsburgh Tribune Review; Reporter; from 7/2010 to11/2011

Item 3 Disciplinary Information - No reportable disciplinary history. Item 4 Other Business Activities

Appreciation Financial, a non-affiliated firm, is engaged in sales of insurance products. Mr. Clay is a licensed insurance agent with Appreciation Financial. Therefore, in addition to providing investment advisory services through Verity on a fee basis, he may recommend and sell insurance products through Appreciation on a commission basis.

Clients should be aware that the opportunity for such additional compensation may give individuals such as Mr. Clay an incentive to recommend products based on the compensation received, rather than on the client's needs. This creates a conflict of interest that could impair the objectivity of these individuals when making recommendations. Our firm endeavors at all times to put the interest of our clients first as part of our fiduciary duty as a registered investment adviser. In addition, we take the following steps to address this conflict:

we disclose to clients the existence of all material conflicts of interest;
we disclose to clients that they are not obligated to purchase products or services we recommend;
we collect, maintain and document relevant client background information in order to properly assess

the suitability of various products and services;
we conduct reviews of each client account at appropriate intervals to verify that recommendations are

suitable;
we require that our employees seek prior approval of any outside employment activity.

Please see Item 10 of our firm's Form ADV Part 2 for more details.

B. Non-Investment-Related Activities
No other business or occupation provides substantial compensation or involves a substantial amount of his time.

Item 5 Additional Compensation - He does not receive any economic benefit from a non-advisory client for the provision of advisory services.

Item 6 Supervision

Supervisor: Christopher M. Chatto (925-398-3402)
Our firm places accounts into one or more model portfolios except in limited cases where clients elect to hold assets in a non-modeled status. Model portfolios are designed and managed under the supervision of members of the Investment Committee and the Chief Investment Officer to conform to defined investment objectives. New account paperwork submitted by clients is reviewed by a compliance principal to verify suitability of the model or other investment selection(s) prior to acceptance of the account, and client requests for portfolio changes, which must be in writing, are also reviewed for suitability. Models are monitored daily by the respective portfolio manager for consistency with investment objectives, and non- modeled accounts are reviewed at least quarterly. Trades are reviewed daily by the Chief Investment Officer using a Daily Trade Blotter. Distributions and terminations are monitored daily for unusual activity.

What A Few of Amber's Clients have said...

Tammy C.

“After our first meeting with Amber, we knew we could trust her with our financial future. With her extensive knowledge and warm personality, she truly listens to our retirement goals, validates them, and works side by side with us to achieve them.”

Cecilia C.

"I have been very happy with how my accounts have been handled. Amber is very professional, friendly and extremely helpful. I have happily recommended her to friends and family!"

Mohamed B.

"I have been a client of Mrs Alguire's for the past three and half years, she supports me with her professionalism and also responds to my inquiries quickly, either verbally or in writing. She helps me compare the retirement services and benefits of Maryland, Virginia and the DCPS retirement and advises me which options meet my needs. As a Fiduciary she also assists me with calculating discounts and informs me about the retirement benefits of the Maryland, Virginia, and DCPS retirement benefits. She also handles issues that arise from these departments proficiently and professionally."