Regulatory Disclosures

Last updated: October 19, 2026

Before we work together, you will receive and sign a written Disclosure and Engagement Letter. This page summarizes the key disclosures in it, so you can review them at any time.

Who I am and how I am licensed

Advisor	Alberto Salguero, M.Sc., RRA®, RLIS®, Financial Advisor
Business	Steward Well Advisory is the operating name of Alberto Salguero, sole proprietor
Insurance licence	Life and accident & sickness insurance agent, Ontario. Financial Services Regulatory Authority of Ontario (FSRA) licence #20185846
Professional membership	Canadian Institute of Financial Planners (CIFP), licence #158302
Managing general agency (MGA)	TruStone Financial Inc.
Errors & omissions insurance	Intact Insurance
Securities registration	Not registered. I do not sell mutual funds or other securities.
Mortgages	I offer mortgage products from Manulife Bank and Equitable Bank directly. Other mortgage products are arranged through licensed mortgage brokers.

A managing general agency (MGA) is a company that contracts with independent advisors and supports the sale, delivery and ongoing service of insurance companies’ products. I place insurance business through TruStone Financial Inc., which also provides compliance supervision of my practice.

Products and services

I work independently to provide guidance on retirement, cash flow, protection, business, estate and succession matters. I offer:

• Life insurance, including corporate life and key person insurance
• Critical illness and disability insurance
• Health and dental insurance, and group benefits
• Travel insurance
• Segregated fund contracts and annuities, which are insurance-based savings and income products
• Mortgage products offered by Manulife Bank and Equitable Bank, which I offer directly
• Other mortgage products, arranged through licensed mortgage brokers
• Other banking products offered through partner financial institutions

Relationship with the companies I represent

No financial institution holds an ownership interest in my business, and I do not hold an ownership interest in any financial institution. I work with a range of insurance companies and institutions so I can look for the right solution for each situation, including: SSQ Insurance, Humania, iA Excellence, iA Financial Group, La Capitale, RSA Insurance, Assumption Life, Manulife, Manulife Bank, Equitable Bank, RBC, BMO, Sun Life, Allianz, TuGo, Canada Life, Equitable Life, Canada Protection Plan (CPP), ivari, ClearBenefits, Foresters, The Edge Benefits, Empire Life and Desjardins.

When considering any product, it is important to understand the product and how it meets your needs, to know the company offering it, and to know the advisor recommending it.

How I am compensated

Depending on what you need, I am paid through commissions, a fee for service, or a combination of both. I will always explain how I am being paid before you make a decision.

• Commissions. If you buy an insurance product through me, the insurance company pays a commission, through TruStone Financial, at the time of sale. I may also receive a renewal (service) commission while the policy or contract stays in force.
• Mortgages and banking products. When I offer a Manulife Bank or Equitable Bank mortgage product directly, I may be paid by that bank. When a mortgage is arranged through a mortgage broker, I may be paid by the brokerage or lender involved. Any such compensation is disclosed to you before you proceed.
• Incentives. I may be eligible for additional compensation, such as bonuses, or non-monetary benefits such as travel incentives, depending on factors like the volume or persistency of business placed with a particular company over a period of time.
• Fee for service. Where an engagement does not involve buying a product, such as advice on business activities, family finances or tax-aware strategies involving other professionals, we may agree on a fee for service. The fee is agreed with you in writing in advance.

You are never charged for a product you do not choose to buy.

Outside business activities

As of December 2025, I hold a significant stake in an Ontario private holding corporation that invests in construction activities, and a significant stake in an Ontario private operating corporation that provides general contracting services in the construction industry. Neither corporation holds an ownership interest in my advisory practice, and neither interferes with it.

Conflicts of interest

I take potential conflicts of interest seriously. I will tell you, in writing, about any conflict or potential conflict I become aware of relating to my recommendations to you or to my outside business activities. My recommendations are based on my analysis of your needs and goals, and I will always act in your best interest.

Working with other professionals

With your consent, I may work with other professionals, such as accountants, lawyers, mortgage specialists and other financial professionals, to help you reach your goals. In most cases I do not receive any fee from professionals I refer you to. Those professionals set and charge their own fees directly, and are responsible for their own work.

What our engagement includes

Our engagement may be comprehensive, or focused on one or more areas such as cash flow, insurance and risk, retirement, estate, succession, or business-owner needs, with an annual review. To give suitable recommendations, I rely on complete and accurate information from you, and on reasonable assumptions about things like retirement age, life expectancy, income needs, government benefits, inflation, tax rates and rates of return. Those assumptions are identified in writing. Results and returns are not guaranteed, and you should review the documents for any product carefully before deciding.

Electronic signatures

With your consent, documents may be sent to you for electronic signature through Adobe Acrobat Sign, DocuSign, SignNow or OneSpan. These services may ask you to verify your identity.

Anti-money laundering

I verify the identity of clients and follow anti-money laundering and anti-terrorist financing requirements. Read the AML/ATF Policy.

Privacy

Your personal information is handled as described in the Privacy Policy.

Raising a concern

If you have a concern about my services, please contact me first at [email protected] or 226-739-9511. I will acknowledge your concern promptly and work to resolve it fairly. If you are not satisfied, you may also contact:

• The compliance department of TruStone Financial Inc.
• The insurance company that issued your product, through its complaint or ombudsman office
• The OmbudService for Life & Health Insurance (OLHI), an independent, free complaint service
• The Financial Services Regulatory Authority of Ontario (FSRA)