^{(1) Our registered investment advisors are investment advisory representatives of Encompass More Asset Management LLC.   Encompass More Asset Management LLC is a registered investment adviser with the U.S. Securities and Exchange Commission (“SEC”) and only transacts business in states where it is properly registered, or is excluded or exempted from registration requirements.  Registration with the SEC does not imply a certain level of skill or training.  Investment products are not FDIC insured, offer no bank guarantee, and may lose value.  Alto Financial Group is not affiliated with Encompass More Asset Management LLC.} 

^{Disclosures about earning commissions and rewards
Alto Financial Group and/or any of our independent agents do not guarantee any level of income. Every agent’s success in earning Commissions will depend on his or her efforts, abilities, and circumstances. Financial success with Alto Financial Group requires dedication and diligent effort. Those considering becoming an Agent should carefully consider their unique circumstances whenever setting any earned commission expectations, rather than relying upon testimonials of others or hypothetical examples. Agents only earn commission on the sale of products and services sold to Clients. For more detailed information ask to see our compensation plan for each product and/or service offered for sale.}