Media and Documents Andrew Palomo form ADVArbor Point AdvisorsAdvisor Brochure Supplement(Part 2B of Form ADV)This Brochure Supplement provides information about Andrew Palomo thatsupplements the Disclosure Brochure for Arbor Point Advisors, LLC (APA). You shouldhave received a copy of that Disclosure Brochure. Please contact Michael Rees if youdid not receive APA’s Disclosure Brochure or if you have any questions about thecontents of this Supplement. This Supplement has not been reviewed or approved bythe U.S. Securities & Exchange Commission, any state regulatory agency or any selfregulatory organization.Phone: 708-383-2280Fax:847-241-0061E-Mail: firstname.lastname@example.orgAdditional information about Andrew Palomo is available on the SEC's website atwww.adviserinfo.sec.gov.August 02, 201912325 Port Grace BlvdLa Vista, NE 68128www.arborpointadvisors.com888-777-1992Brochure Supplement (Part 2B of Form ADV)Item 2. Educational Background and Business ExperienceYear of Birth: 1970Educational Background:Your financial advisor has graduated from the following institution(s):Institution Name: College for Financial PlanningDate Completed: 3/16/2012Degree Earned: MSArea of Study: Personal Financial PlanningInstitution Name: Loyola University ChicagoDate Completed: 5/1/1992Degree Earned: BBAArea of Study: FinanceBusiness/Employment Experience (for past five years):Your financial advisor the following employment background:Employer Name: Arbor Point Advisors, LLC.Start Date: 8/2/2019End Date: PresentTitle: Investment Advisor RepresentativeAddress: 12325 Port Grace Blvd., La Vista, NE 68128Type of Business: Registered Investment AdvisorEmployer Name: Securities America, Inc.Start Date: 8/2/2019End Date: PresentTitle: Registered RepresentativeAddress: 12325 Port Grace Blvd., La Vista, NE 68128Type of Business: Broker/DealerEmployer Name: DK MortgageStart Date: 5/1/2017End Date: PresentTitle: Mortgage OriginatorAddress: 1431 Opus Place, Suite 200, Downers Grove, IL 60515Type of Business: Mortgage and Financial ServicesEmployer Name: Pillar Financial AdvisorsStart Date: 3/1/2009End Date: PresentTitle: Financial AdvisorAddress: 224 South Marion Street, Oak Park, IL 60302Type of Business: Financial PlanningEmployer Name: Cetera Advisor Networks LLCStart Date: 8/15/2017End Date: PresentTitle: Investment Advisor RepresentativeAddress: 200 Pacific Coast Highway, Suite 1200, El Segundo, CA 90245Type of Business: Registered Investment AdvisorEmployer Name: Cetera Advisor Networks LLCStart Date: 8/15/2017End Date: PresentTitle: Registered RepresentativeAddress: 200 N Pacific Coast Highway, Suite 1200, El Segundo, CA 90245Type of Business: Broker/DealerEmployer Name: CWM, LLCStart Date: 8/14/2017End Date: PresentTitle: Investment Advisor RepresentativeAddress: 13321 California Street, Suite 100, Omaha, NE 68154Type of Business: Registered Investment AdvisorEmployer Name: Sequoia Wealth Management, LLCStart Date: 12/3/2014End Date: 8/15/2017Title: Investment Advisor RepresentativeAddress: 200 Applebee Street, Suite 208, Barrington, IL 60010Type of Business: Registered Investment AdvisorEmployer Name: LPL Financial LLCStart Date: 12/3/2014End Date: 8/15/2017Title: Registered RepresentativeAddress: 75 State Street, 22nd Floor, Boston, MA 02109Type of Business: Broker/DealerEmployer Name: Cross Country Mortgage (fka Perl Mortgage)Start Date: 5/1/2012End Date: 5/1/2017Title: Mortgage OriginatorAddress: 6850 Miller Road, Brecksville, OH 44141Type of Business: Mortgage ServicesEmployer Name: Ausdal Financial Partners, Inc.Start Date: 6/30/2010End Date: 12/3/2014Title: Investment Avisor RepresentativeAddress: 5187 Utica Ridge Road, Davenport, IA 52807Type of Business: Registered Investment AdvisorEmployer Name: Ausdal Financial Partners, Inc.Start Date: 6/30/2010End Date: 12/4/2014Title: Registered RepresentativeAddress: 5187 Utica Ridge Road, Davenport, IA 52807Type of Business: Broker/DealerProfessional DesignationsAccredited Investment Fiduciary (AIF): To be an AIF, one must:Successfully complete either the web-based program or Capstone programSuccessfully complete the final certification examComplete 6 hours of continuing education per yearCertified Financial Planner™ (CFP®): To be a CFP®, one must:Hold a bachelor’s degree from an accredited college or universityComplete financial planning education requirements set by the CFP Board (www.cfp.net)Successfully complete the 10-hour CFP® certification examObtain 3 years of qualifying full-time work experienceSuccessfully pass the Candidate Fitness Standards and background checkComplete 30 hours of continuing education every 2 yearsItem 3. Disciplinary HistoryNoneItem 4. Other Business ActivitiesIn addition to his work with Securities America, Inc., the financial advisor is engaged in offering insurance and insurance products as an insurance agent. A portion of his time each week is dedicated to insurance and insurance sales, and he can earn commissions when acting in this separate capacity. Your financial advisor may also be a registered representative with Securities America, Inc., a full service broker/dealer, member FINRA/SIPC. Securities America, Inc. and Arbor Point Advisors, LLC are affiliated entities. In this separate capacity, your financial advisor may recommend to clients the purchase and sale of securities products and receive commissions when doing so. A portion of your financial advisor's workweek is dedicated to securities and securities sales. In addition to the advisory fees disclosed along with your client agreement, your financial advisor may receive compensation, including bonuses and non-cash compensation, for selling certain securities or other investment products. As a result, certain incentives and conflicts of interest mayexist for your financial advisor if you buy certain recommended products or services.Conflicts of interest may arise in the course of providing investment management services to you and the financial advisor’s other financial industry activities. These potential conflicts of interest are described in this Supplemental Brochure. To the extent we cannot prevent actual or potential conflicts, we will take reasonable steps to mitigate them and, at a minimum, disclose them to you.Item 5. Additional CompensationThe financial advisor may have an incentive to join and remain with Securities America, Inc. and/or Arbor Point Advisors, LLC through certain compensation arrangements which could include bonuses, enhanced pay-outs, forgivable loans and/or business transaction loans. There can be production goals associated with your financial advisor recommending a transaction, and receiving compensation from a recommendation can be considered a conflict of interest. Clients are encouraged to read the Arbor Point Advisors, LLC Form ADV Part 2A Disclosure Brochure and discuss any potential conflicts of interest with their financial advisor.Securities America can issue payments in the form of loans to its representatives which can be forgivable based on years of service or production. This practice can create a conflict of interest because the representative can have a financial incentive to recommend clients engage Arbor Point Advisors, LLC for advisory services in order for the loan to be forgiven. Your financial advisor will obtain financial data from you and assist you in setting appropriate investment objectives. Arbor Point Advisors, LLC periodically reviews advisory accounts to ensure suitability and adherence toclient investment objectives. Clients are encouraged to consult with their financial advisor if they have questions regarding this issue. The financial advisor can receive bonuses or non-cash compensation relating to the promotion or saleof a program sponsor’s products or services. These program sponsors may pay for training, education or prospective events such as seminars, for due diligence and travel expenses to these events and can occasionally provide business entertainment or gifts of nominal value to financial advisors Your financial advisor can receive referral fees for referring a client or prospective client to APA or third party investment advisor.Incentive programs and cash/non-cash compensation are strictly regulated by the SEC, FINRA and Securities America compliance policies.While such compensation is typically limited and governed by SAI policy and industry rules, receipt of such compensation may give the financial advisory an incentive to recommend investment products.Item 6. SupervisionYour financial advisor’s activities are supervised by one or more individuals working in the financial advisor’s office and/or a member of APA’s supervision team. The supervisor provides ongoing training and support to your financial advisor and answers questions about providing financial planning or investment advice to clients. The supervisor also reviews the financial advisor’s activities through APA’s client relationship management system, business submission reviews, e-mailmonitoring and correspondence reviews. The person responsible for supervising the financial advisor’s advisory activities, Michael Rees, OSJ Branch Manager, can be reached at 727-896-8166.