VERUM PARTNERS LLC

Verum Partners LLC Form ADV Part 2A – Disclosure Brochure Effective: October 17, 2025 This Form ADV 2A (“Disclosure Brochure”) provides information about the qualifications and business practices of Verum Partners LLC (“Verum Partners” or the “Adviser”). If you have any questions about the contents of this Disclosure Brochure, please contact the Adviser at (980) 771-3999. Verum Partners is a registered investment adviser with the U.S. Securities and Exchange Commission (“SEC”). The information in this Disclosure Brochure has not been approved or verified by the SEC or by any state securities authority. Registration of an investment adviser does not imply any specific level of skill or training. This Disclosure Brochure provides information through Verum Partners to assist you in determining whether to retain the Adviser. Additional information about Verum Partners and its Advisory Persons is available on the SEC’s website at www.adviserinfo.sec.gov by searching with the Adviser’s firm name or CRD# 301058. Verum Partners LLC 2333 Randolph Road, Suite 250 Charlotte, NC 28207 Phone: (980) 771-3999 | Fax: (980) 771-3388 http://verumpartnership.com  Item 2 – Material Changes Form ADV 2 is divided into two parts: Part 2A (the "Disclosure Brochure") and Part 2B (the "Brochure Supplement"). The Disclosure Brochure provides information about a variety of topics relating to an Adviser’s business practices and conflicts of interest. The Brochure Supplement provides information about the Advisory Persons of Verum Partners. For convenience, the Adviser has combined these documents into a single disclosure document. Verum Partners believes that communication and transparency are the foundation of its relationship with clients and will continually strive to provide you with complete and accurate information at all times. Verum Partners encourages all current and prospective clients to read this Disclosure Brochure and discuss any questions you may have with the Adviser. Material Change The following material changes have been made to this Disclosure Brochure since the last filing and distribution to Clients: • Effective October, 2025, Verum Partners, LLC has amended Item 5 to update their fee schedule. Please see Item 5 for more information. Future Changes From time to time, the Adviser may amend this Disclosure Brochure to reflect changes in our business practices, changes in regulations or routine annual updates as required by the securities regulators. This complete Disclosure Brochure or a Summary of Material Changes shall be provided to you annually and if a material change occurs in the business practices of Verum Partners. At any time, you may view the current Disclosure Brochure on-line at the SEC’s Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with the Adviser’s firm name or CRD #301058. You may also request a copy of this Disclosure Brochure at any time, by contacting the Adviser at (980) 771-3999. Verum Partners LLC 2333 Randolph Road, Suite 250 Charlotte, NC 28207 Phone: (980) 771-3999 | Fax: (980) 771-3388 http://verumpartnership.com Page 2  Item 3 – Table of Contents 1 Item 1 – Cover Page Item 2 – Material Changes ...................................................................................................................................... 2 Item 3 – Table of Contents ..................................................................................................................................... 3 Item 4 – Advisory Services..................................................................................................................................... 4 Item 5 – Fees and Compensation .......................................................................................................................... 7 Item 6 – Performance-Based Fees and Side-By-Side Management .................................................................. 9 Item 7 – Types of Clients ...................................................................................................................................... 10 Item 8 – Methods of Analysis, Investment Strategies and Risk of Loss ......................................................... 10 Item 9 – Disciplinary Information ........................................................................................................................ 11 Item 10 – Other Financial Industry Activities and Affiliations .......................................................................... 12 Item 11 – Code of Ethics, Participation or Interest in Client Transactions and Personal Trading ............... 12 Item 12 – Brokerage Practices ............................................................................................................................. 12 Item 13 – Review of Accounts.............................................................................................................................. 13 Item 14 – Client Referrals and Other Compensation ......................................................................................... 14 Item 15 – Custody.................................................................................................................................................. 15 Item 16 – Investment Discretion .......................................................................................................................... 15 Item 17 – Voting Client Securities ....................................................................................................................... 16 Item 18 – Financial Information ........................................................................................................................... 16 Privacy Policy ........................................................................................................................................................ 53 Verum Partners LLC 2333 Randolph Road, Suite 250 Charlotte, NC 28207 Phone: (980) 771-3999 | Fax: (980) 771-3388 http://verumpartnership.com Page 3  Item 4 – Advisory Services A. Firm Information Verum Partners LLC (“Verum Partners” or the “Adviser”) is a registered investment adviser with the U.S. Securities and Exchange Commission (“SEC”). Verum Partners was organized as a limited liability company under the laws of the State of North Carolina in November 2018 and became a registered investment adviser in May 2019. Verum Partners is owned by The Oliver Roane Cross, III Revocable Trust, The Dustin Anthony Barr Revocable Trust and Revocable Trust Agreement with Robert Christopher Gammon. Oliver R. Cross III is the trustee of The Oliver Roane Cross, III Revocable Trust. Dustin A. Barr is the trustee of The Dustin Anthony Barr Revocable Trust. R. Christopher Gammon is the trustee of the Revocable Trust Agreement with Robert Christopher Gammon. Verum Partners is operated by R. Christopher Gammon, CFA®, CFP® (Founding Partner and Senior Adviser), Dustin A. Barr, CFA® (Founding Partner and Senior Adviser), and Oliver R. Cross III (Founding Partner and Senior Adviser). This Disclosure Brochure provides information regarding the qualifications, business practices, and advisory services provided by Verum Partners. B. Advisory Services Offered Verum Partners provides wealth management services to high net worth individuals, families, trusts, estates, retirement plans, corporations, and charitable organizations (each referred to as a “Client”). The Adviser’s wealth management services include investment management and financial planning services as described below. The Adviser serves as a fiduciary to Clients, as defined under the applicable laws and regulations. As a fiduciary, the Adviser upholds a duty of loyalty, fairness and good faith towards each Client and seeks to mitigate potential conflicts of interest. Verum Partners’ fiduciary commitment is further described in the Adviser’s Code of Ethics. For more information regarding the Code of Ethics, please see Item 11 – Code of Ethics, Participation or Interest in Client Transactions and Personal Trading. Wealth Management Services Verum Partners provides customized investment advisory solutions for its Clients. This is achieved through continuous personal Client contact and interaction while providing discretionary and non-discretionary investment management and related advisory services. Verum Partners works with each Client to identify their investment goals and objectives as well as risk tolerance and financial situation in order to create an investment strategy. Verum Partners will then design an investment strategy that may include the Adviser’s internal investment management and/or the use of independent investment managers. Verum Partners may also retain other types of investments from the Client’s legacy portfolio due to fit with the overall portfolio strategy, tax-related reasons, or other reasons as identified between Verum Partners and the Client. Internal Management – Verum Partners will construct Client portfolios primarily utilizing mutual funds, exchange- traded funds (“ETFs”), and separately managed accounts. The Adviser may also utilize options, private investments and other types of investments, as appropriate, to meet the needs of certain Clients. Verum Partners’ investment approach is primarily long-term focused, but the Adviser may buy, sell or re-allocate investments that have been held for less than one year to meet the objectives of the Client or due to market conditions. Verum Partners will construct, implement and monitor the portfolio to ensure it meets the goals, objectives, circumstances, and risk tolerance agreed to by the Client. Each Client will have the opportunity to place reasonable restrictions on the types of investments to be held in their respective portfolio, subject to acceptance by the Adviser. Verum Partners evaluates and selects investments for inclusion in Client portfolios only after applying its internal due diligence process. Verum Partners may recommend, on occasion, redistributing investment allocations to diversify the portfolio. Verum Partners may recommend specific positions to increase sector or asset class weightings. The Adviser may recommend employing cash positions as a possible hedge against market movement. Verum Partners may recommend selling positions for reasons that include, but are not limited to, harvesting capital gains or losses, business or sector risk exposure to a specific security or class of securities, Verum Partners LLC 2333 Randolph Road, Suite 250 Charlotte, NC 28207 Phone: (980) 771-3999 | Fax: (980) 771-3388 http://verumpartnership.com Page 4  overvaluation or overweighting of the position[s] in the portfolio, change in risk tolerance of Client, generating cash to meet Client needs, or any risk deemed unacceptable for the Client’s risk tolerance. Verum will provide investment management services and related services. Verum accepts custody of a Clients funds or securities, through the deduction of management fees from the Client’s account[s] at the Custodian, and in certain situations where a Supervised Person of Verum is Trustee to Client accounts. Retirement Accounts – When the Adviser provides investment advice to Clients regarding ERISA retirement accounts or individual retirement accounts (“IRAs”), the Adviser is a fiduciary within the meaning of Title I of the Employee Retirement Income Security Act (“ERISA”) and/or the Internal Revenue Code (“IRC”), as applicable, which are laws governing retirement accounts. When deemed to be in the Client’s best interest, the Adviser will provide investment advice to a Client regarding a distribution from an ERISA retirement account or to roll over the assets to an IRA, or recommend a similar transaction including rollovers from one ERISA sponsored Plan to another, one IRA to another IRA, or from one type of account to another account (e.g. commission-based account to fee-based account). Such a recommendation creates a conflict of interest if the Adviser will earn a new (or increase its current) advisory fee as a result of the transaction. No client is under any obligation to roll over a retirement account to an account managed by the Adviser. Use of Independent Managers – Verum Partners may recommend that a Client utilize one or more unaffiliated investment managers or investment platforms (collectively “Independent Managers”) for all or a portion of a Client’s investment portfolio, based on the Client’s needs and objectives. In such instances, the Client may be required to authorize and enter into an investment management agreement with the Independent Manager that defines the terms in which the Independent Manager will provide its services. The Adviser will perform initial and ongoing oversight and due diligence over each Independent Manager to ensure the strategy remains aligned with the Clients investment objectives and overall best interests. The Adviser will also assist the Client in the development of the initial policy recommendations and managing the ongoing Client relationship. The Client, prior to entering into an agreement with Independent Manager, will be provided with the Independent Manager's Form ADV 2A (or a brochure that makes the appropriate disclosures). Financial Planning Services Verum Partners will typically provide a variety of financial planning services to Clients, pursuant to a written agreement. Services offered are based on the size and complexity of the Client’s financial situation. The Adviser may also provide project-based financial planning engagements based on the Client’s circumstances. Services are offered in several areas of a Client’s financial situation, depending on their goals and objectives. Generally, such financial planning services will involve preparing a financial plan or rendering a financial consultation based on the Client’s financial goals and objectives. This planning or consulting may encompass one or more areas of need, including, but not limited to investment planning, retirement planning, estate planning, personal savings, education savings and other areas of a Client’s financial situation. A financial plan developed for or financial consultation rendered to the Client will usually include general recommendations for a course of activity or specific actions to be taken by the Client. For example, recommendations may be made that the Client start or revise their investment programs, commence or alter retirement savings, establish education savings and/or charitable giving programs. Verum Partners may also refer Clients to an accountant, attorney or other specialist, as appropriate for their unique situation. For certain financial planning engagements, the Adviser will provide a written summary of Client’s financial situation, observations, and recommendations. For consulting or ad-hoc engagements, the Adviser may not provide a written summary. Plans or consultations are typically completed within six months of contract date, assuming all information and documents requested are provided promptly. Financial planning and consulting recommendations pose a conflict between the interests of the Adviser and the interests of the Client. For example, the Adviser has an incentive to recommend that Clients engage the Adviser for investment management services or to increase the level of investment assets with the Adviser, as it would increase the amount of advisory fees paid to the Adviser. Clients are not obligated to implement any Verum Partners LLC 2333 Randolph Road, Suite 250 Charlotte, NC 28207 Phone: (980) 771-3999 | Fax: (980) 771-3388 http://verumpartnership.com Page 5  recommendations made by the Adviser or maintain an ongoing relationship with the Adviser. If the Client elects to act on any of the recommendations made by the Adviser, the Client is under no obligation to implement the transaction through the Adviser. Retirement Plan Advisory Services Verum Partners provides retirement plan advisory services on behalf of the retirement plans (each a “Plan”) and the company (the “Plan Sponsor”). The Adviser’s retirement plan advisory services are designed to assist the Plan Sponsor in meeting its fiduciary obligations to the Plan and its Plan Participants. Each engagement is customized to the needs of the Plan and Plan Sponsor. Services generally include: ● Investment Policy Statement (“IPS”) Design and Monitoring ● Investment Oversight Services (ERISA 3(21)) ● Performance Reporting ● Ongoing Investment Recommendation and Assistance Verum may provide investment advisory services on behalf of the Plan and Plan Sponsor, which may be in either a 3(21) or 3(38) context depending on whether or not the Adviser is also providing discretionary investment management over the Plan assets. For 3(38) services, the Adviser shall have the discretion to select the investments for the Plan and/or make investment decisions on behalf of Plan Participants. C. Client Account Management Prior to engaging Verum Partners to provide wealth management services, each Client is required to enter into one or more advisory agreements with the Adviser that define the terms, conditions, authority and responsibilities of the Adviser and the Client. These services may include: ● Establishing an Investment Strategy – Verum Partners, in connection with the Client, will develop a strategy that seeks to achieve the Client’s investment goals and objectives. ● Asset Allocation – Verum Partners will develop a strategic asset allocation that is targeted to meet the investment objectives, time horizon, financial situation, and tolerance for risk for each Client. ● Portfolio Construction – Verum Partners will develop a portfolio for the Client that is intended to meet the stated goals and objectives of the Client. ● Investment Management and Supervision – Verum Partners will provide investment management and ongoing oversight of the Client’s portfolio. D. Wrap Fee Programs The Adviser no longer offers a Wrap Fee Program to new Clients; however, the Adviser has certain legacy Clients where securities transaction fees are combined with investment advisory fees. Including these fees into a single asset-based fee is considered a “Wrap Fee Program.” The Adviser sponsors the Verum Partners Wrap Fee Program solely as a supplemental disclosure regarding the combination of fees. Depending on the level of trading required for the Client’s account[s] in a particular year, the Client may pay more or less in total fees than if the Client paid their own transaction fees. Please see Appendix 1 – Wrap Fee Program Brochure, which is a supplement to this Disclosure Brochure. E. Assets Under Management As of December 31, 2024, Verum Partners manages $827,584,409 in Client assets, $681,509,926 of which are managed on a discretionary basis and $146,074,483 on a non-discretionary basis. Clients may request more current information at any time by contacting the Adviser. In addition, Verum Partners has assets under advisement of $4,340,387. Clients may request more current information at any time by contacting the Adviser. Verum Partners LLC 2333 Randolph Road, Suite 250 Charlotte, NC 28207 Phone: (980) 771-3999 | Fax: (980) 771-3388 http://verumpartnership.com Page 6  Item 5 – Fees and Compensation The following paragraphs detail the fee structure and compensation methodology for services provided by the Adviser. Each Client shall sign one or more agreements that detail the responsibilities of Verum Partners and the Client. A. Fees for Advisory Services Wealth Management Services Wealth management fees are paid quarterly, in advance of each calendar quarter, pursuant to the terms of the wealth management agreement. Fees may be offered as an annual asset-based fee or a fixed annual fee. Asset- based fees are based on the market value of assets under management at the end of the prior calendar quarter. Wealth management fees are based on the following tiered schedule: Tiered Fee Schedule ($) Up to $1,000,000 $1,000,000 to $2,500,000 $2,500,000 to $5,000,000 $5,000,000 to $10,000,000 $10,000,000 to $20,000,000 $20,000,000 and Over Annual Rate (%) 1.25% 1.00% 0.85% 0.75% 0.60% 0.40% Wealth management fees may also be negotiated between the Adviser and the Client. Some clients that transitioned to Verum’s services maintain a grandfathered tiered fee schedule no longer offered by the Firm. The minimum annual fee for comprehensive wealth management services is $10,000. Please see Item 7 below. The wealth management fee in the first quarter of service is prorated from the inception date of the account[s] to the end of the first quarter. Fees may be negotiable at the sole discretion of the Adviser. The Client’s fees will take into consideration the aggregate assets under management with Adviser. All securities held in accounts managed by Verum Partners will be independently valued by the designated Custodian. Verum Partners will conduct periodic reviews of the Custodian’s valuations to ensure accurate billing. Clients may make additions to and withdrawals from their account[s] at any time, subject to Verum Partners’ right to terminate an account. Additions may be in cash or securities provided that Verum Partners reserves the right to liquidate any transferred securities or decline to accept particular securities into a Client’s account[s]. Clients may withdraw account assets on notice to Verum Partners, subject to the usual and customary securities settlement procedures. However, Verum Partners designs its portfolios as long-term investments, and the withdrawal of assets may impair the achievement of a Client’s investment objectives. Verum Partners may consult with its Clients about the options and ramifications of transferring securities. However, Clients are advised that when transferred securities are liquidated, they are subject to transaction fees, fees assessed at the mutual fund level (i.e., contingent deferred sales charge) and/or tax ramifications. Use of Independent Managers As noted in Item 4, the Adviser will implement all or a portion of a Client’s investment portfolio utilizing one or more Independent Managers. To eliminate any conflict of interest, the Adviser does not earn any compensation from an Independent Manager. The Adviser will only earn its investment advisory fee as described above. Independent Managers typically do not offer any fee discounts but may have a breakpoint schedule which will reduce the fee with an increased level of assets placed under management with the Independent Manager. The terms of such fee arrangements are included in the Independent Manager’s disclosure brochure and applicable contract[s] with the Independent Manager. The total blended fee, including the Adviser’s fee and the Independent Manager’s fee, will not exceed 2.00% annually. Verum Partners LLC 2333 Randolph Road, Suite 250 Charlotte, NC 28207 Phone: (980) 771-3999 | Fax: (980) 771-3388 http://verumpartnership.com Page 7  Financial Planning Services Verum Partners offers financial planning services for a fixed fee -. Fees are determined based on the nature and complexity of the services to be provided and the overall relationship with the Adviser. An estimate for total costs will be determined prior to establishing the advisory relationship. Retirement Plan Advisory Services Fees for retirement plan advisory services are charged an annual asset-based fee of up to 1.00% and are billed in advance, pursuant to the terms of the retirement plan advisory agreement. Retirement plan advisory fees are based on the market value of assets under management at the end of the prior calendar quarter Fees may be negotiable depending on the size and complexity of the Plan. B. Fee Billing Wealth Management Services Wealth management fees will be calculated by the Adviser or its delegate and deducted from the Client’s account[s] at the Custodian. The Adviser shall send an invoice to the Custodian indicating the amount of the fees to be deducted from the Client’s account[s] at the respective quarter-end date. The amount due is calculated by applying the quarterly rate (annual rate divided by 4) to the total assets under management with Verum Partners at the end of the prior quarter. Clients will be provided with a statement, at least quarterly, from the Custodian reflecting deduction of the wealth management fee. It is the responsibility of the Client to verify the accuracy of these fees as listed on the custodian’s brokerage statement as the Custodian does not assume this responsibility. Clients provide written authorization permitting advisory fees to be deducted by Verum Partners to be paid directly from their accounts held by the Custodian as part of the wealth management agreement and separate account forms provided by the Custodian. Use of Independent Managers For Client accounts implemented through an Independent Manager, the Client’s overall fees will include Verum Partners’ investment advisory fee (as noted above) plus investment management fees and/or platform fees charged by the Independent Manager. The Independent Manager will assume the responsibility for calculating the Client’s fees and deducting all fees from the Client’s account[s]. Financial Planning Services Fees for project-based engagements are billed up to fifty percent (50%) of the financial planning fee upon acceptance of the financial planning agreement with the balance due upon completion of the engagement deliverables. Retirement Plan Advisory Services Fees Retirement plan advisory fees may be directly invoiced to the Plan Sponsor or deducted from the assets of the Plan, depending on the terms of the retirement plan advisory agreement. C. Other Fees and Expenses Clients may incur certain fees or charges imposed by third parties in connection with investments made on behalf of the Client’s account[s]. Verum Partners includes securities transactions costs as part of its overall wealth management fee through the Verum Partners Wrap Fee Program. Securities transaction fees for Client-directed trades may be charged back to the Client. Please see Item 4.D. above as well as Appendix 1 – Wrap Fee Program Brochure. The Client may also incur other costs assessed by the Custodian or other parties for account- related activity fees, such as wire transfer fees, fees for trades executed away from the Custodian (if applicable), and other fees. In addition, all fees paid to Verum Partners for wealth management services are separate and distinct from the expenses charged by mutual funds and ETFs to their shareholders, if applicable. These fees and expenses are described in each fund’s prospectus. These fees and expenses will generally be used to pay management fees for the funds, other fund expenses, account administration (e.g., custody, brokerage, and account reporting), and Verum Partners LLC 2333 Randolph Road, Suite 250 Charlotte, NC 28207 Phone: (980) 771-3999 | Fax: (980) 771-3388 http://verumpartnership.com Page 8  a possible distribution fee. A Client may be able to invest in these products directly, without the services of Verum Partners, but would not receive the services provided by Verum Partners which are designed, among other things, to assist the Client in determining which products or services are most appropriate for each Client’s financial situation and objectives. Accordingly, the Client should review both the fees charged by the fund[s] and the fees charged by Verum Partners to fully understand the total fees to be paid. D. Advance Payment of Fees and Termination Wealth Management Services Verum Partners is compensated for its wealth management services in advance of the quarter in which services are rendered. Either party may request to terminate the wealth management agreement with Verum Partners, at any time, by providing advance written notice to the other party. The Client may also terminate the investment advisory agreement within five (5) business days of signing the Adviser’s agreement at no cost to the Client. The Client shall be responsible for wealth management fees up to and including the effective date of termination. Upon termination, the Adviser will promptly refund any unearned, prepaid fees. The Client’s wealth management agreement with the Adviser is non-transferable without the Client’s prior consent. Use of Independent Managers In the event that the Adviser has determined that an Independent Manager is no longer in the Client’s best interest or a Client should wish to terminate their relationship with an Independent Manager, the terms for termination will be set forth in the respective agreements between the Client and those third parties. Verum Partners will assist the Client with the termination and transition as appropriate. Financial Planning Services Verum Partners requires an advance deposit as described above. Either party may terminate the financial planning agreement by providing advance written notice to the other party. The Client may also terminate the financial planning agreement within five (5) business days of signing the Adviser’s agreement at no cost to the Client. After the five-day period, the Client will incur charges for bona fide advisory services rendered to the point of termination and such fees will be due and payable by the Client. Upon termination, the Client shall be billed for the percentage of the engagement scope completed by the Adviser]. The Adviser will refund any unearned, prepaid financial planning fees from the effective date of termination. The Client’s financial planning agreement with the Adviser is non-transferable without the Client’s prior consent. Retirement Plan Advisory Services Verum Partners is compensated for its services at the end of the quarter after advisory services are rendered. Either party may terminate the retirement plan advisory agreement, at any time, by providing advance written notice to the other party. The Client shall be responsible for retirement plan advisory fees up to and including the effective date of termination. The Client’s retirement plan advisory agreement with the Adviser is non-transferable without the Client’s prior consent. E. Compensation for Sales of Securities Verum Partners does not buy or sell securities and does not receive any compensation for securities transactions in any Client account, other than the wealth management fees noted above. Item 6 – Performance-Based Fees and Side-By-Side Management Verum Partners does not charge performance-based fees for its wealth management services. The fees charged by Verum Partners are as described in Item 5 above and are not based upon the capital appreciation of the funds or securities held by any Client. Verum Partners does not manage any proprietary investment funds or limited partnerships (for example, a mutual fund or a hedge fund) and has no financial incentive to recommend any particular investment options to its Clients. Verum Partners LLC 2333 Randolph Road, Suite 250 Charlotte, NC 28207 Phone: (980) 771-3999 | Fax: (980) 771-3388 http://verumpartnership.com Page 9  Item 7 – Types of Clients Verum Partners provides wealth management services to high net worth individuals, families, trusts estates, retirement plans, corporations, and charitable organizations. Verum Partners does not impose a minimum account or relationship size; however, its services are typical designed to meet the needs of high net worth Clients. The minimum annual fee for comprehensive wealth management services is $10,000. The minimum annual fee for financial planning is $6,000. The Adviser may reduce these minimums at its sole discretion. Item 8 – Methods of Analysis, Investment Strategies and Risk of Loss A. Methods of Analysis Verum Partners primarily employs fundamental and technical analysis methods in developing investment strategies for its Clients. Research and analysis from Verum Partners are derived from numerous sources, including financial media companies, third-party research materials, Internet sources, and review of company activities, including annual reports, prospectuses, press releases, and research prepared by others. Fundamental analysis utilizes economic and business indicators as investment selection criteria. These criteria are generally ratios and trends that may indicate the overall strength and financial viability of the entity being analyzed. Assets are deemed suitable if they meet certain criteria to indicate that they are a strong investment with a value discounted by the market. While this type of analysis helps the Adviser in evaluating a potential investment, it does not guarantee that the investment will increase in value. Assets meeting the investment criteria utilized in the fundamental analysis may lose value and may have negative investment performance. The Adviser monitors these economic indicators to determine if adjustments to strategic allocations are appropriate. More details on the Adviser’s review process are included below in “Item 13 – Review of Accounts.” Technical analysis involves the analysis of past market data rather than specific company data in determining the recommendations made to clients. Technical analysis may involve the use of charts to identify market patterns and trends, which may be based on investor sentiment rather than the fundamentals of the company. The primary risk in using technical analysis is that spotting historical trends may not help to predict such trends in the future. Even if the trend will eventually reoccur, there is no guarantee that Verum Partners will be able to accurately predict such a reoccurrence. As noted above, Verum Partners generally employs a long-term investment strategy for its Clients, as consistent with their financial goals. Verum Partners will typically hold all or a portion of a security for more than a year but may hold for shorter periods for the purpose of rebalancing a portfolio or meeting the cash needs of Clients. At times, Verum Partners may also buy and sell positions that are more short-term in nature, depending on the goals of the Client and/or the fundamentals of the security, sector, or asset class. B. Risk of Loss Investing in securities involves certain investment risks. Securities may fluctuate in value or lose value. Clients should be prepared to bear the potential risk of loss. Verum Partners will assist Clients in determining an appropriate strategy based on their tolerance for risk and other factors noted above. However, there is no guarantee that a Client will meet their investment goals. Each Client engagement will entail a review of the Client's investment goals, financial situation, time horizon, tolerance for risk and other factors to develop an appropriate strategy for managing a Client's account. Client participation in this process, including full and accurate disclosure of requested information, is essential for the analysis of a Client's account[s]. The Adviser shall rely on the financial and other information provided by the Client or their designees without the duty or obligation to validate the accuracy and completeness of the provided information. It is the responsibility of the Client to inform the Adviser of any changes in financial condition, goals, or other factors that may affect this analysis. Verum Partners LLC 2333 Randolph Road, Suite 250 Charlotte, NC 28207 Phone: (980) 771-3999 | Fax: (980) 771-3388 http://verumpartnership.com Page 10  The risks associated with a particular strategy are provided to each Client in advance of investing a Client’s account[s]. The Adviser will work with each Client to determine their tolerance for risk as part of the portfolio construction process. Following are some of the risks associated with the Adviser’s investment approach: Market Risks – The value of a Client’s holdings may fluctuate in response to events specific to companies or markets, as well as economic, political, or social events in the U.S. and abroad. This risk is linked to the performance of the overall financial markets. ETF Risks – The performance of ETFs is subject to market risk, including the possible loss of principal. The price of the ETFs will fluctuate with the price of the underlying securities that make up the funds. In addition, ETFs have a trading risk based on the loss of cost efficiency if the ETFs are traded actively and a liquidity risk if the ETFs have a large bid-ask spread and low trading volume. The price of an ETF fluctuates based upon the market movements and may dissociate from the index being tracked by the ETF or the price of the underlying investments. An ETF purchased or sold at one point in the day may have a different price than the same ETF purchased or sold a short time later. Bond Risks – Bonds are subject to specific risks, including the following: (1) interest rate risks, i.e., the risk that bond prices will fall if interest rates rise, and vice versa; the risk depends on two things, the bond's time to maturity, and the coupon rate of the bond, (2) reinvestment risk, i.e., the risk that any profit gained must be reinvested at a lower rate than was previously being earned, (3) inflation risk, i.e., the risk that the cost of living and inflation increase at a rate that exceeds the investment’s income thereby decreasing the investor’s real rate of return, (4) credit default risk, i.e., the risk associated with purchasing a debt instrument which includes the possibility of the company defaulting on its repayment obligation, (5) rating downgrades, i.e., the risk associated with a rating agency’s downgrade of the company’s rating which impacts the investor’s confidence in the company’s ability to repay its debt, and (6) liquidity risks, i.e., the risk that a bond may not be sold as quickly as there is no readily available market for the bond. Mutual Fund Risks – The performance of mutual funds is subject to market risk, including the possible loss of principal. The price of the mutual funds will fluctuate with the value of the underlying securities that make up the funds. The price of a mutual fund is typically set daily; therefore, a mutual fund purchased at one point in the day will typically have the same price as a mutual fund purchased later that same day. Alternative Investments (Limited Partnerships) – The performance of alternative investments (limited partnerships) can be volatile and may have limited liquidity. An investor could lose all or a portion of their investment. Such investments often have concentrated positions and investments that may carry higher risks. Client should only have a portion of their assets in these investments. Real Estate Investment Trusts (“REITs”) - Investing in Real Estate Investment Trusts (“REITs”) involves certain distinct risks in addition to those risks associated with investing in the real estate industry in general. For example, equity REITs may be affected by changes in the value of the underlying property owned by the REITs, while mortgage REITs may be affected by the quality of credit extended. REITs are subject to heavy cash flow dependency, default by borrowers and self- liquidation. REITs, especially mortgage REITs, are also subject to interest rate risk (i.e., as interest rates rise, the value of the REIT may decline). The risks associated with a particular strategy are provided to each Client in advance of investing Client accounts. The Adviser will work with each Client to determine their tolerance for risk as part of the portfolio construction process. Past performance is not a guarantee of future returns. Investing in securities and other investments involve a risk of loss that each Client should understand and be willing to bear. Clients are reminded to discuss these risks with the Adviser. Item 9 – Disciplinary Information There are no legal, regulatory, or disciplinary events involving Verum Partners or its management persons. Verum Partners values the trust Clients place in the Adviser. The Adviser encourages Clients to perform the requisite due diligence on any adviser or service provider whom the Client engages. The Verum Partners LLC 2333 Randolph Road, Suite 250 Charlotte, NC 28207 Phone: (980) 771-3999 | Fax: (980) 771-3388 http://verumpartnership.com Page 11  backgrounds of the Adviser and its Advisory Persons are on the Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with the Adviser’s firm name or CRD# 301058. Item 10 – Other Financial Industry Activities and Affiliations Verum Partners does not maintain any affiliations with other firms, other than contracted service providers to assist with the servicing of its Client’s accounts. Item 11 – Code of Ethics, Participation or Interest in Client Transactions and Personal Trading A. Code of Ethics Verum Partners has implemented a Code of Ethics that defines the Adviser’s fiduciary commitment to each Client. This Code of Ethics applies to all persons associated with Verum Partners (“Supervised Persons”). The Code of Ethics was developed to provide general ethical guidelines and specific instructions regarding the Adviser’s duties to the Client. Verum Partners and its personnel owe a duty of loyalty, fairness, and good faith towards each Client. It is the obligation of Verum Partners’ Supervised Persons to adhere not only to the specific provisions of the Code, but also to the general principles that guide the Code. The Code of Ethics covers a range of topics that address employee ethics and conflicts of interest. To request a copy of the Code of Ethics, please contact the Adviser at (980) 771-3999. B. Personal Trading with Material Interest Verum Partners allows the purchase or sale of the same securities that may be recommended to and purchased on behalf of Clients. Verum Partners does not act as principal in any transactions. In addition, the Adviser does not act as the general partner of a fund or advise an investment company. Verum Partners does not have a material interest in any securities traded in Client accounts. C. Personal Trading in Same Securities as Clients Verum Partners allows the purchase or sale of the same securities that may be recommended to and purchased on behalf of Clients. Owning the same securities that are recommended (purchase or sell) to Clients presents a conflict of interest that, as fiduciaries, must be disclosed to Clients and mitigated through policies and procedures. As noted above, we have adopted a Code of Ethics, which addresses insider trading (material non- public information controls) and personal securities reporting procedures. When trading for personal accounts, Supervised Persons of Verum Partners have a conflict of interest if trading in the same securities. The fiduciary duty to act in the best interest of its Clients can be violated if personal trades are made with more advantageous terms than Client trades, or by trading based on material non-public information. This risk is mitigated by Verum Partners requiring reporting of personal securities trades by its employees for review by the Chief Compliance Officer (“CCO”). The Adviser has also adopted written policies and procedures to detect the misuse of material, non-public information. D. Personal Trading at Same Time as Client While Verum Partners allows the purchase or sale of the same securities that may be recommended to and purchased on behalf of Clients, such trades are typically aggregated with Client orders or traded afterward. At no time will Verum Partners transact in any security to the detriment of any Client. Item 12 – Brokerage Practices A. Recommendation of Custodian[s] Verum Partners does not have discretionary authority to select the broker-dealer/custodian for custody and execution services. The Client will engage the broker-dealer or custodian (herein the "Custodian") to safeguard Client assets and authorize Verum Partners to direct trades to this Custodian as agreed in the wealth management agreement. Further, Verum Partners does not have the discretionary authority to negotiate commissions on behalf of Clients on a trade-by-trade basis. Verum Partners LLC 2333 Randolph Road, Suite 250 Charlotte, NC 28207 Phone: (980) 771-3999 | Fax: (980) 771-3388 http://verumpartnership.com Page 12  Where Verum Partners does not exercise discretion over the selection of the Custodian, it may recommend the Custodian to Clients for custody and execution services. Verum Partners may recommend the Custodian based on criteria such as, but not limited to, reasonableness of commissions charged to the Client, services made available to the Client, and its overall reputation. Clients are not obligated to use the recommended Custodian and will not incur any extra fee or cost associated with using a custodian not recommended by Verum Partners. However, if the recommended Custodian is not engaged, Verum Partners may be limited in the services it can provide comparable to other clients. Verum Partners will generally recommend that Clients establish their account[s] at Schwab Institutional, a division of Charles Schwab & Co., Inc. (“Schwab”), or Fidelity Clearing & Custody Solutions and related entities of Fidelity Investments, Inc. (“Fidelity”). Schwab and Fidelity (the “Custodians”) are FINRA-registered broker- dealers and members of SIPC and serve as “qualified custodians” for the Client’s account[s]. Verum Partners maintains an institutional relationship with the Custodians, whereby the Adviser receives certain economic benefits. Please see Item 14 below. Following are additional details regarding the brokerage practices of the Adviser: 1. Soft Dollars - Soft dollars are revenue programs offered by broker-dealers/custodians whereby an adviser enters into an agreement to place security trades with a broker-dealer/custodian in exchange for research and other services. Verum Partners does not participate in soft dollar programs sponsored or offered by any broker-dealer. However, the Adviser does receive certain economic benefits from the Custodians. Please see Item 14 below. 2. Brokerage Referrals - Verum Partners does not receive any compensation from any third party in connection with the recommendation of establishing a brokerage account. 3. Directed Brokerage - All Clients are serviced on a “directed brokerage basis,” where Verum Partners will place trades within the established account[s] at the Custodian designated by the Client. The Adviser will not engage in any principal transactions (i.e., trade of any security from or to the Adviser’s own account) or cross transactions with other Client accounts (i.e., purchase of a security into one Client account from another Client’s account[s]). In selecting the Custodian, Verum Partners will not be obligated to select competitive bids on securities transactions and does not have an obligation to seek the lowest available transaction costs. These costs are determined by the designated Custodian. B. Aggregating and Allocating Trades The primary objective in placing orders for the purchase and sale of securities for Client accounts is to obtain the most favorable net results taking into account such factors as 1) price, 2) size of the order, 3) difficulty of execution, 4) confidentiality, and 5) skill required of the broker. Verum Partners will execute its transactions through an unaffiliated broker-dealer selected by the Client. Verum Partners may aggregate orders in a block trade or trades when securities are purchased or sold through the Custodian for multiple (discretionary) accounts. If a block trade cannot be executed in full at the same price or time, the securities actually purchased or sold by the close of each business day must be allocated in a manner that is consistent with the initial pre-allocation or other written statement. This must be done in a way that does not consistently advantage or disadvantage particular Client accounts. Item 13 – Review of Accounts A. Frequency of Reviews Securities in Client accounts are monitored on a regular and continuous basis by Principals of Verum Partners and periodically by the CCO. Formal reviews are generally conducted at least annually or more or less frequently depending on the needs of the Client. B. Causes for Reviews Verum Partners LLC 2333 Randolph Road, Suite 250 Charlotte, NC 28207 Phone: (980) 771-3999 | Fax: (980) 771-3388 http://verumpartnership.com Page 13  In addition to the investment monitoring noted in Item 13.A., each Client account shall be reviewed at least annually. Reviews may be conducted more or less frequently at the Client’s request. Accounts may be reviewed as a result of major changes in economic conditions, known changes in the Client’s financial situation, and/or large deposits or withdrawals in the Client’s account[s]. The Client is encouraged to notify Verum Partners if changes occur in the Client’s personal financial situation that might affect the Client’s investment plan. Additional reviews may be triggered by material market, economic or political events. C. Review Reports The Client will receive brokerage statements no less frequently than quarterly from the Custodian. These brokerage statements are sent directly from the Custodian to the Client. The Client may also establish electronic access to the Custodian’s website so that the Client may view these reports and their account activity. Client brokerage statements will include all positions, transactions, and fees relating to the Client’s account[s]. The Adviser may also provide Clients with periodic reports regarding their holdings, allocations, and performance. Item 14 – Client Referrals and Other Compensation A. Compensation Received by Verum Partners Participation in Institutional Adviser Platform (Schwab) Verum Partners has established an institutional relationship with Schwab through its “Schwab Advisor Services” unit, a division of Schwab dedicated to serving independent advisory firms like Verum Partners. As a registered investment adviser participating on the Schwab Advisor Services platform, Verum Partners receives access to software and related support without cost because the Adviser renders investment management services to Clients who maintain assets at Schwab. Services provided by Schwab Advisor Services benefit the Adviser and many, but not all, services provided by Schwab will benefit Clients. In fulfilling its duties to its Clients, the Adviser endeavors at all times to put the interests of its Clients first. Clients should be aware, however, that the receipt of economic benefits from a custodian creates a conflict of interest since these benefits may influence the Adviser's recommendation of this custodian over one that does not furnish similar software, systems support, or services. Services that Benefit the Client – Schwab’s institutional brokerage services include access to a broad range of investment products, execution of securities transactions, and custody of Client’s funds and securities. Through Schwab, the Adviser may be able to access certain investments and asset classes that the Client would not be able to obtain directly or through other sources. Further, the Adviser may be able to invest in certain mutual funds and other investments without having to adhere to investment minimums that might be required if the Client were to directly access the investments. Services that May Indirectly Benefit the Client – Schwab provides participating advisers with access to technology, research, discounts, and other services. In addition, the Adviser receives duplicate statements for Client accounts, the ability to deduct advisory fees, trading tools, and back office support services as part of its relationship with Schwab. These services are intended to assist the Adviser in effectively managing accounts for its Clients but may not directly benefit all Clients. Services that May Only Benefit the Adviser – Schwab also offers other services and financial support to Verum Partners that may not benefit the Client, including: educational conferences and events, financial start-up support, consulting services, and discounts for various service providers. Access to these services creates a financial incentive for the Adviser to recommend Schwab, which results in a conflict of interest. Verum Partners believes, however, that the recommendation of Schwab as Custodian is in the best interests of its Clients. Participation in Institutional Adviser Platform (Fidelity) As noted in item 12, Verum has established an institutional relationship with Fidelity to assist the Adviser in managing Client account[s]. As part of the arrangement, Fidelity also makes available to the Adviser, at no additional charge to the Adviser, certain research and brokerage services, including research services obtained by Fidelity directly from Verum Partners LLC 2333 Randolph Road, Suite 250 Charlotte, NC 28207 Phone: (980) 771-3999 | Fax: (980) 771-3388 http://verumpartnership.com Page 14  independent research companies. The Adviser may also receive additional services and support from Fidelity. As a result of receiving such services for no additional cost, the Adviser may have an incentive to continue to use or expand the use of Fidelity's services. The Adviser examined this conflict of interest when it chose to enter into the relationship with Fidelity and has determined that the relationship is in the best interests of the Adviser’s Clients and satisfies its Client obligations, including its duty to seek best execution. Please see Item 12 above. The Adviser receives access to software and related support without cost because the Adviser renders investment management services to Clients that maintain assets at Fidelity. The software and related systems support may benefit the Adviser, but not its Clients directly. In fulfilling its duties to its Clients, the Adviser endeavors at all times to put the interests of its Clients first. Clients should be aware, however, that the receipt of economic benefits from a Custodian creates a conflict of interest since these benefits may influence the Adviser's recommendation of this Custodian over one that does not furnish similar software, systems support, or services. In addition, Fidelity has provided the Adviser with financial support in the launch of the Adviser and reimbursements for various third-party service providers. B. Compensation for Client Referrals The Adviser does not compensate, either directly or indirectly, any persons who are not supervised persons, for Client referrals. Item 15 – Custody All Clients must maintain their accounts with a “qualified custodian,” as described in Item 12 – Brokerage Practices. Verum is considered to have custody under the following circumstances and is consequently required to undergo an annual examination. Signatory Authority – In certain relationships, Verum will be given signatory authority over client accounts. As such, Verum is deemed to have custody over Client accounts and securities. Pursuant to securities regulations the Adviser is required to engage an independent accounting firm to perform an annual surprise examination of those assets and accounts over which the Adviser maintains custody. Any related opinions issued by an independent accounting firm are filed with the SEC and are publicly available on the SEC’s Investment Adviser Public Disclosure website (http://adviserinfo.sec.gov). Additionally, Verum is considered to have custody under the following limited circumstances. However, specific safeguards have been implemented to ensure that the associated Clients and accounts are exempt from an annual surprise examination. Deduction of Advisory Fees - To ensure compliance with regulatory requirements associated with the deduction of advisory fees, all Clients for whom Verum exercises discretionary authority must hold their assets with a "qualified custodian." Clients are responsible for engaging a “qualified custodian” to safeguard their funds and securities and must instruct Verum to utilize that Custodian for securities transactions on their behalf. Clients are encouraged to review statements provided by the Custodian and compare to any reports provided by Verum to ensure accuracy, as the Custodian does not perform this review. For more information about custodians and brokerage practices, see Item 12 – Brokerage Practices. Money Movement Authorization - For instances where Clients authorize Verum to move funds between their accounts, Verum and the Custodian have implemented safeguards to ensure that all money movement activities are conducted strictly in accordance with the Client’s documented instructions. Item 16 – Investment Discretion Verum Partners generally has discretion over the selection and amount of securities to be bought or sold in Client accounts without obtaining prior consent or approval from the Client. However, these purchases or sales Verum Partners LLC 2333 Randolph Road, Suite 250 Charlotte, NC 28207 Phone: (980) 771-3999 | Fax: (980) 771-3388 http://verumpartnership.com Page 15  may be subject to specified investment objectives, guidelines, or limitations previously set forth by the Client and agreed to by Verum Partners. Discretionary authority will only be authorized upon full disclosure to the Client. The granting of such authority will be evidenced by the Client's execution of a wealth management agreement containing all applicable limitations to such authority. All discretionary trades made by Verum Partners will be in accordance with each Client's investment objectives and goals. The Client and the Adviser may limit this discretion through the terms of the wealth management agreement. Item 17 – Voting Client Securities Verum Partners does not accept proxy-voting responsibility for any Client. Clients will receive proxy statements directly from the Custodian. The Adviser will assist in answering questions relating to proxies, however, the Client retains the sole responsibility for proxy decisions and voting. Item 18 – Financial Information Neither Verum Partners, nor its management, has any adverse financial situations that would reasonably impair the ability of Verum Partners to meet all obligations to its Clients. Neither Verum Partners, nor any of its Advisory Persons, has been subject to a bankruptcy or financial compromise. Verum Partners is not required to deliver a balance sheet along with this Disclosure Brochure as the Adviser does not collect fees of $1,200 or more for services to be performed six months or more in advance. Verum Partners LLC 2333 Randolph Road, Suite 250 Charlotte, NC 28207 Phone: (980) 771-3999 | Fax: (980) 771-3388 http://verumpartnership.com Page 16  Form ADV Part 2B – Brochure Supplement for R. Christopher Gammon, CFA®, CFP® Founding Partner, Senior Adviser Effective: October 17, 2025 This Form ADV 2B (“Brochure Supplement”) provides information about the background and qualifications of R. Christopher Gammon, CFA®, CFP® (CRD# 3163885), in addition to the information contained in the Verum Partners LLC (“Verum” or the “Adviser”, CRD# 301058) Disclosure Brochure. If you have not received a copy of the Disclosure Brochure or if you have any questions about the contents of the Verum Disclosure Brochure or this Brochure Supplement, please contact the Adviser at (980) 771-3999. Additional information about Mr. Gammon is available on the SEC’s Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with his full name or his Individual CRD# 3163885. Verum Partners LLC 2333 Randolph Road, Suite 250 Charlotte, NC 28207 Phone: (980) 771-3999 | Fax: (980) 771-3388 http://verumpartnership.com Page 17  Item 2 – Educational Background and Business Experience R. Christopher Gammon, CFA®, CFP®, born in 1960, is dedicated to advising Clients of Verum as a Founding Partner and Senior Adviser. Mr. Gammon earned an MBA from Duke University in 1997. Mr. Gammon also earned a Bachelor of Science in Business Administration from Washington and Lee University in 1981. Additional information regarding Mr. Gammon’s employment history is included below. Employment History: Founding Partner and Senior Adviser, Verum Partners LLC Consultant, Carolinas Investment Consulting LLC Senior Vice President, Wachovia Wealth Management 05/2019 to Present 02/2008 to 05/2019 06/1981 to 02/2008 Chartered Financial Analyst (“CFA®”) The Chartered Financial Analyst (“CFA”) charter is a professional designation established in 1962 and awarded by CFA Institute. To earn the CFA charter, candidates must pass three sequential, six-hour examinations over two to four years. The three levels of the CFA Program test a wide range of investment topics, including ethical and professional standards, fixed-income analysis, alternative and derivative investments, and portfolio management and wealth planning. In addition, CFA charterholders must have at least four years of acceptable professional experience in the investment decision-making process and must commit to abide by, and annually reaffirm, their adherence to the CFA Institute Code of Ethics and Standards of Professional Conduct. CFA® is a trademark owned by CFA Institute. CERTIFIED FINANCIAL PLANNER™ (“CFP®”) The CERTIFIED FINANCIAL PLANNER™, CFP®, and federally registered CFP® (with flame design) marks (collectively, the “CFP® marks”) are professional certification marks granted in the United States by Certified Financial Planner Board of Standards, Inc. (“CFP® Board”). The CFP® certification is a voluntary certification; no federal or state law or regulation requires financial planners to hold CFP® certification. It is recognized in the United States and a number of other countries for its (1) high standard of professional education; (2) stringent code of conduct and standards of practice; and (3) ethical requirements that govern professional engagements with clients. Currently, more than 71,000 individuals have obtained CFP® certification in the United States. To attain the right to use the CFP® marks, an individual must satisfactorily fulfill the following requirements: ● Education – Complete an advanced college-level course of study addressing the financial planning subject areas that CFP® Board’s studies have determined as necessary for the competent and professional delivery of financial planning services, and attain a Bachelor’s Degree from a regionally accredited United States college or university (or its equivalent from a foreign university). CFP® Board’s financial planning subject areas include insurance planning and risk management, employee benefits planning, investment planning, income tax planning, retirement planning, and estate planning; ● Examination – Pass the comprehensive CFP® Certification Examination. The examination includes case studies and client scenarios designed to test one’s ability to correctly diagnose financial planning issues and apply one’s knowledge of financial planning to real world circumstances; ● Experience – Complete at least three years of full-time financial planning-related experience (or the equivalent, measured as 2,000 hours per year); and ● Ethics – Agree to be bound by CFP® Board’s Standards of Professional Conduct, a set of documents outlining the ethical and practice standards for CFP® professionals. Individuals who become certified must complete the following ongoing education and ethics requirements in order to maintain the right to continue to use the CFP® marks: Verum Partners LLC 2333 Randolph Road, Suite 250 Charlotte, NC 28207 Phone: (980) 771-3999 | Fax: (980) 771-3388 http://verumpartnership.com Page 18  ● Continuing Education – Complete 30 hours of continuing education hours every two years, including two hours on the Code of Ethics and other parts of the Standards of Professional Conduct, to maintain competence and keep up with developments in the financial planning field; and ● Ethics – Renew an agreement to be bound by the Standards of Professional Conduct. The Standards prominently require that CFP® professionals provide financial planning services at a fiduciary standard of care. This means CFP® professionals must provide financial planning services in the best interests of their clients. CFP® professionals who fail to comply with the above standards and requirements may be subject to CFP® Board’s enforcement process, which could result in suspension or permanent revocation of their CFP® certification. Item 3 – Disciplinary Information There are no legal, civil, or disciplinary events to disclose regarding Mr. Gammon. Mr. Gammon has never been involved in any regulatory, civil, or criminal action. There have been no client complaints, lawsuits, arbitration claims, or administrative proceedings against Mr. Gammon. Securities laws require an adviser to disclose any instances where the adviser or its Advisory Persons have been found liable in a legal, regulatory, civil, or arbitration matter that alleges violation of securities and other statutes; fraud; false statements or omissions; theft, embezzlement, or wrongful taking of property; bribery, forgery, counterfeiting, or extortion; and/or dishonest, unfair, or unethical practices. As previously noted, there are no legal, civil, or disciplinary events to disclose regarding Mr. Gammon. However, we do encourage you to independently view the background of Mr. Gammon on the Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with his full name or his Individual CRD# 3163885. Item 4 – Other Business Activities Mr. Gammon is dedicated to the investment advisory activities of Verum’s Clients. Mr. Gammon does not have any other business activities. Item 5 – Additional Compensation Mr. Gammon is dedicated to the investment advisory activities of Verum’s Clients. Mr. Gammon does not receive any additional forms of compensation. Item 6 – Supervision Mr. Gammon serves as a Founding Partner and Senior Adviser of Verum and is supervised by Holly Skipper, the Chief Compliance Officer. Ms. Skipper can be reached at (980) 498-1043. Verum has implemented a Code of Ethics and internal compliance document that guides each Supervised Person in meeting their fiduciary obligations to Clients of Verum. Further, Verum is subject to regulatory oversight by various agencies. These agencies require registration by Verum and its Supervised Persons. As a registered entity, Verum is subject to examinations by regulators, which may be announced or unannounced. Verum is required to periodically update the information provided to these agencies and to provide various reports regarding the business activities and assets of the Adviser Verum Partners LLC 2333 Randolph Road, Suite 250 Charlotte, NC 28207 Phone: (980) 771-3999 | Fax: (980) 771-3388 http://verumpartnership.com Page 19  Form ADV Part 2B – Brochure Supplement for Dustin A. Barr, CFA® Founding Partner, Senior Adviser Effective: October 17, 2025 This Form ADV 2B (“Brochure Supplement”) provides information about the background and qualifications of Dustin A. Barr, CFA® (CRD# 6529215), in addition to the information contained in the Verum Partners LLC (“Verum” or the “Adviser”, CRD# 301058) Disclosure Brochure. If you have not received a copy of the Disclosure Brochure or if you have any questions about the contents of the Verum Disclosure Brochure or this Brochure Supplement, please contact the Adviser at (980) 771-3999. Additional information about Mr. Barr is available on the SEC’s Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with his full name or his Individual CRD# 6529215. Verum Partners LLC 2333 Randolph Road, Suite 250 Charlotte, NC 28207 Phone: (980) 771-3999 | Fax: (980) 771-3388 http://verumpartnership.com Page 20  Item 2 – Educational Background and Business Experience Dustin A. Barr, CFA®, born in 1984, is dedicated to advising Clients of Verum as a Founding Partner. Mr. Barr earned a Bachelor of Science in Business Administration from College of Charleston in 2007. Additional information regarding Mr. Barr’s employment history is included below. Employment History: Founding Partner and Senior Adviser, Verum Partners LLC Consultant and Director of Research, Carolinas Investment Consulting LLC Director of Investment Products, TIAA-CREF 05/2019 to Present 07/2015 to 05/2019 07/2007 to 07/2015 Chartered Financial Analyst (“CFA®”) The Chartered Financial Analyst (“CFA”) charter is a professional designation established in 1962 and awarded by CFA Institute. To earn the CFA charter, candidates must pass three sequential, six-hour examinations over two to four years. The three levels of the CFA Program test a wide range of investment topics, including ethical and professional standards, fixed-income analysis, alternative and derivative investments, and portfolio management and wealth planning. In addition, CFA charter holders must have at least four years of acceptable professional experience in the investment decision-making process and must commit to abide by, and annually reaffirm, their adherence to the CFA Institute Code of Ethics and Standards of Professional Conduct. CFA® is a trademark owned by CFA Institute. Item 3 – Disciplinary Information There are no legal, civil, or disciplinary events to disclose regarding Mr. Barr. Mr. Barr has never been involved in any regulatory, civil, or criminal action. There have been no client complaints, lawsuits, arbitration claims, or administrative proceedings against Mr. Barr. Securities laws require an adviser to disclose any instances where the Adviser or its Advisory Persons have been found liable in a legal, regulatory, civil, or arbitration matter that alleges violation of securities and other statutes; fraud; false statements or omissions; theft, embezzlement, or wrongful taking of property; bribery, forgery, counterfeiting, or extortion; and/or dishonest, unfair, or unethical practices. As previously noted, there are no legal, civil, or disciplinary events to disclose regarding Mr. Barr. However, we do encourage you to independently view the background of Mr. Barr on the Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with his full name or his Individual CRD# 6529215. Item 4 – Other Business Activities Mr. Barr is dedicated to the investment advisory activities of Verum’s Clients. Mr. Barr does not have any other business activities. Item 5 – Additional Compensation Mr. Barr is dedicated to the investment advisory activities of Verum’s Clients. Mr. Barr does not receive any additional forms of compensation. Item 6 – Supervision Mr. Barr serves as a Founding Partner and Senior Adviser of Verum and is supervised by Holly Skipper, the Chief Compliance Officer. Ms. Skipper can be reached at (980) 498-1043. Verum has implemented a Code of Ethics and internal compliance document that guides each Supervised Person in meeting their fiduciary obligations to Clients of Verum. Further, Verum is subject to regulatory oversight by various agencies. These agencies require registration by Verum and its Supervised Persons. As a registered Verum Partners LLC 2333 Randolph Road, Suite 250 Charlotte, NC 28207 Phone: (980) 771-3999 | Fax: (980) 771-3388 http://verumpartnership.com Page 21  entity, Verum is subject to examinations by regulators, which may be announced or unannounced. Verum is required to periodically update the information provided to these agencies and to provide various reports regarding the business activities and assets of the Adviser. Verum Partners LLC 2333 Randolph Road, Suite 250 Charlotte, NC 28207 Phone: (980) 771-3999 | Fax: (980) 771-3388 http://verumpartnership.com Page 22  Form ADV Part 2B – Brochure Supplement for Oliver R. Cross III Founding Partner, Senior Adviser Effective: October 17, 2025 This Form ADV 2B (“Brochure Supplement”) provides information about the background and qualifications of Oliver R. Cross III (CRD# 3095952) in addition to the information contained in the Verum Partners LLC (“Verum” or the “Adviser”, CRD# 301058) Disclosure Brochure. If you have not received a copy of the Disclosure Brochure or if you have any questions about the contents of the Verum Disclosure Brochure or this Brochure Supplement, please contact the Adviser at (980) 771-3999. Additional information about Mr. Cross is available on the SEC’s Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with his full name or his Individual CRD# 3095952. Verum Partners LLC 2333 Randolph Road, Suite 250 Charlotte, NC 28207 Phone: (980) 771-3999 | Fax: (980) 771-3388 http://verumpartnership.com Page 23  Item 2 – Educational Background and Business Experience Oliver R. Cross III, born in 1980, is dedicated to advising Clients of Verum as a Founding Partner. Mr. Cross earned an MBA in Investment Management from University of North Carolina-Chapel Hill in 2010. Mr. Cross also earned a Bachelor of Arts in Spanish from Davidson College in 2002. Additional information regarding Mr. Cross’s employment history is included below. Employment History: Founding Partner and Senior Adviser, Verum Partners LLC Founding Partner and Chief Compliance Officer, Verum Partners LLC Consultant, Carolinas Investment Consulting LLC 10/2022 to Present 05/2019 to 10/2022 08/2010 to 05/2019 Item 3 – Disciplinary Information There are no legal, civil, or disciplinary events to disclose regarding Mr. Cross. Mr. Cross has never been involved in any regulatory, civil, or criminal action. There have been no client complaints, lawsuits, arbitration claims, or administrative proceedings against Mr. Cross. Securities laws require an adviser to disclose any instances where the Adviser or its Advisory Persons have been found liable in a legal, regulatory, civil, or arbitration matter that alleges violation of securities and other statutes; fraud; false statements or omissions; theft, embezzlement, or wrongful taking of property; bribery, forgery, counterfeiting, or extortion; and/or dishonest, unfair, or unethical practices. As previously noted, there are no legal, civil, or disciplinary events to disclose regarding Mr. Cross. However, we do encourage you to independently view the background of Mr. Cross on the Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with his full name or his Individual CRD# 3095952. Item 4 – Other Business Activities Mr. Cross is dedicated to the investment advisory activities of Verum’s Clients. Mr. Cross does not have any other business activities. Item 5 – Additional Compensation Mr. Cross is dedicated to the investment advisory activities of Verum’s Clients. Mr. Cross does not receive any additional forms of compensation. Item 6 – Supervision Mr. Cross serves as a Founding Partner and Senior Adviser of Verum and is supervised by Holly Skipper, the Chief Compliance Officer. Ms. Skipper can be reached at (980) 498-1043. Verum has implemented a Code of Ethics and internal compliance document that guides each Supervised Person in meeting their fiduciary obligations to Clients of Verum. Further, Verum is subject to regulatory oversight by various agencies. These agencies require registration by Verum and its Supervised Persons. As a registered entity, Verum is subject to examinations by regulators, which may be announced or unannounced. Verum is required to periodically update the information provided to these agencies and to provide various reports regarding the business activities and assets of the Adviser. Verum Partners LLC 2333 Randolph Road, Suite 250 Charlotte, NC 28207 Phone: (980) 771-3999 | Fax: (980) 771-3388 http://verumpartnership.com Page 24  Form ADV Part 2B – Brochure Supplement for Abigail A. Bennett, CFP®, CExPTM Founding Partner, Adviser, Head of Strategic Initiatives Effective: October 17, 2025 This Form ADV 2B (“Brochure Supplement”) provides information about the background and qualifications of Abigail A. Bennett, CFP®, CExP™ (CRD# 5936885), in addition to the information contained in the Verum Partners LLC (“Verum” or the “Adviser”, CRD# 301058) Disclosure Brochure. If you have not received a copy of the Disclosure Brochure or if you have any questions about the contents of the Verum Disclosure Brochure or this Brochure Supplement, please contact the Adviser (980) 771-3999. Additional information about Mrs. Bennett is available on the SEC’s Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with her full name or her Individual CRD# 5936885. Verum Partners LLC 2333 Randolph Road, Suite 250 Charlotte, NC 28207 Phone: (980) 771-3999 | Fax: (980) 771-3388 http://verumpartnership.com Page 25  Item 2 – Educational Background and Business Experience Abigail A. Bennett, CFP®, CExP™, born in 1990, is dedicated to advising Clients of Verum as a Founding Partner, Adviser, and Head of Strategic Initiatives. Mrs. Bennett earned a Bachelor of Science in Business from Virginia Polytechnic Institute and State University in 2012. Additional information regarding Mrs. Bennett’s employment history is included below. 01/2025 to Present Employment History: Founding Partner and Adviser, Head of Strategic Initiatives, Verum Partners LLC Founding Partner and Adviser, Verum Partners LLC Financial Planner, Carolinas Investment Consulting LLC Senior Analyst, Highline Wealth Management LLC 05/2019 to 01/2025 09/2015 to 05/2019 02/2013 to 07/2015 CERTIFIED FINANCIAL PLANNER™ (“CFP®”) The CERTIFIED FINANCIAL PLANNER™, CFP®, and federally registered CFP® (with flame design) marks (collectively, the “CFP® marks”) are professional certification marks granted in the United States by Certified Financial Planner Board of Standards, Inc. (“CFP® Board”). The CFP® certification is a voluntary certification; no federal or state law or regulation requires financial planners to hold CFP® certification. It is recognized in the United States and a number of other countries for its (1) high standard of professional education; (2) stringent code of conduct and standards of practice; and (3) ethical requirements that govern professional engagements with clients. Currently, more than 71,000 individuals have obtained CFP® certification in the United States. To attain the right to use the CFP® marks, an individual must satisfactorily fulfill the following requirements: ● Education – Complete an advanced college-level course of study addressing the financial planning subject areas that CFP® Board’s studies have determined as necessary for the competent and professional delivery of financial planning services, and attain a Bachelor’s Degree from a regionally accredited United States college or university (or its equivalent from a foreign university). CFP® Board’s financial planning subject areas include insurance planning and risk management, employee benefits planning, investment planning, income tax planning, retirement planning, and estate planning; ● Examination – Pass the comprehensive CFP® Certification Examination. The examination includes case studies and client scenarios designed to test one’s ability to correctly diagnose financial planning issues and apply one’s knowledge of financial planning to real world circumstances; ● Experience – Complete at least three years of full-time financial planning-related experience (or the equivalent, measured as 2,000 hours per year); and ● Ethics – Agree to be bound by CFP® Board’s Standards of Professional Conduct, a set of documents outlining the ethical and practice standards for CFP® professionals. Individuals who become certified must complete the following ongoing education and ethics requirements in order to maintain the right to continue to use the CFP® marks: ● Continuing Education – Complete 30 hours of continuing education hours every two years, including two hours on the Code of Ethics and other parts of the Standards of Professional Conduct, to maintain competence and keep up with developments in the financial planning field; and ● Ethics – Renew an agreement to be bound by the Standards of Professional Conduct. The Standards prominently require that CFP® professionals provide financial planning services at a fiduciary standard of care. This means CFP® professionals must provide financial planning services in the best interests of their clients. CFP® professionals who fail to comply with the above standards and requirements may be subject to CFP® Board’s enforcement process, which could result in suspension or permanent revocation of their CFP® certification. Verum Partners LLC 2333 Randolph Road, Suite 250 Charlotte, NC 28207 Phone: (980) 771-3999 | Fax: (980) 771-3388 http://verumpartnership.com Page 26  Certified Exit Planner (CExPTM) The Business Enterprise Institute (BEI) trains and certifies BEI Certified Exit Planners (CExP™) to create Exit Plans as a service to their professionals as well as business owners. Through training, rigorous testing, and ongoing continuing education, CExPs™ provide capable and professionally executed Exit Planning services. Item 3 – Disciplinary Information There are no legal, civil, or disciplinary events to disclose regarding Mrs. Bennett. Mrs. Bennett has never been involved in any regulatory, civil, or criminal action. There have been no client complaints, lawsuits, arbitration claims, or administrative proceedings against Mrs. Bennett. Securities laws require an Adviser to disclose any instances where the Adviser or its advisory persons have been found liable in a legal, regulatory, civil, or arbitration matter that alleges violation of securities and other statutes; fraud; false statements or omissions; theft, embezzlement, or wrongful taking of property; bribery, forgery, counterfeiting, or extortion; and/or dishonest, unfair, or unethical practices. As previously noted, there are no legal, civil, or disciplinary events to disclose regarding Mrs. Bennett. However, we do encourage you to independently view the background of Mrs. Bennett on the Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with her full name or her Individual CRD# 5936885. Item 4 – Other Business Activities Mrs. Bennett is dedicated to the investment advisory activities of Verum’s Clients. Mrs. Bennett does not have any other business activities. Item 5 – Additional Compensation Mrs. Bennett is dedicated to the investment advisory activities of Verum’s Clients. Mrs. Bennett does not receive any additional forms of compensation. Item 6 – Supervision Mrs. Bennett serves as a Founding Partner, Adviser, and Head of Strategic Initiatives of Verum and is supervised by Holly Skipper, the Chief Compliance Officer. Ms. Skipper can be reached at (980) 498-1043. Verum has implemented a Code of Ethics, an internal compliance document that guides each Supervised Person in meeting their fiduciary obligations to Clients of Verum. Further, Verum is subject to regulatory oversight by various agencies. These agencies require registration by Verum and its Supervised Persons. As a registered entity, Verum is subject to examinations by regulators, which may be announced or unannounced. Verum is required to periodically update the information provided to these agencies and to provide various reports regarding the business activities and assets of the Adviser. Verum Partners LLC 2333 Randolph Road, Suite 250 Charlotte, NC 28207 Phone: (980) 771-3999 | Fax: (980) 771-3388 http://verumpartnership.com Page 27  Form ADV Part 2B – Brochure Supplement for Holly F. Skipper Founding Partner, Chief Compliance Officer, and Chief Operating Officer Effective: October 17, 2025 This Form ADV 2B (“Brochure Supplement”) provides information about the background and qualifications of Holly F. Skipper (CRD# 5521278) in addition to the information contained in the Verum Partners LLC (“Verum” or the “Adviser”, CRD# 301058) Disclosure Brochure. If you have not received a copy of the Disclosure Brochure or if you have any questions about the contents of the Verum Disclosure Brochure or this Brochure Supplement, please contact the Adviser at (980) 771-3999. Additional information about Mrs. Skipper is available on the SEC’s Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with her full name or her Individual CRD# 5521278. Verum Partners LLC 2333 Randolph Road, Suite 250 Charlotte, NC 28207 Phone: (980) 771-3999 | Fax: (980) 771-3388 http://verumpartnership.com Page 28  Item 2 – Educational Background and Business Experience Holly F. Skipper, born in 1985, is dedicated to advising Clients of Verum as a Founding Partner, Chief Compliance Officer, and Chief Operating Officer. Mrs. Skipper earned a Bachelor of Science in Business Administration from the University of North Carolina at Charlotte in 2008. Additional information regarding Mrs. Skipper’s employment history is included below. 10/2022 to Present 05/2019 to 10/2022 Employment History: Founding Partner, Chief Compliance Officer, Chief Operating Officer, Verum Partners LLC Founding Partner, Chief Operating Officer, Director of Client Partnership, Verum Partners LLC Relationship Manager, Carolinas Investment Consulting LLC Relationship Associate, Brown Brothers Harriman & Co. 10/2014 to 05/2019 05/2008 to 10/2014 Item 3 – Disciplinary Information There are no legal, civil, or disciplinary events to disclose regarding Mrs. Skipper. Mrs. Skipper has never been involved in any regulatory, civil, or criminal action. There have been no client complaints, lawsuits, arbitration claims, or administrative proceedings against Mrs. Skipper. Securities laws require an adviser to disclose any instances where the adviser or its advisory persons have been found liable in a legal, regulatory, civil, or arbitration matter that alleges violation of securities and other statutes; fraud; false statements or omissions; theft, embezzlement, or wrongful taking of property; bribery, forgery, counterfeiting, or extortion; and/or dishonest, unfair, or unethical practices. As previously noted, there are no legal, civil, or disciplinary events to disclose regarding Mrs. Skipper. However, we do encourage you to independently view the background of Mrs. Skipper on the Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with her full name or her Individual CRD# 5521278. Item 4 – Other Business Activities Mrs. Skipper is dedicated to the investment advisory activities of Verum’s Clients. Mrs. Skipper does not have any other business activities. Item 5 – Additional Compensation Mrs. Skipper is dedicated to the investment advisory activities of Verum’s Clients. Mrs. Skipper does not receive any additional forms of compensation. Item 6 – Supervision Mrs. Skipper serves as a Founding Partner, Chief Compliance Officer, and Chief Operating Officer. Ms. Skipper can be reached at (980) 498-1043. Verum has implemented a Code of Ethics, an internal compliance document that guides each Supervised Person in meeting their fiduciary obligations to Clients of Verum. Further, Verum is subject to regulatory oversight by various agencies. These agencies require registration by Verum and its Supervised Persons. As a registered entity, Verum is subject to examinations by regulators, which may be announced or unannounced. Verum is required to periodically update the information provided to these agencies and to provide various reports regarding the business activities and assets of the Adviser. Verum Partners LLC 2333 Randolph Road, Suite 250 Charlotte, NC 28207 Phone: (980) 771-3999 | Fax: (980) 771-3388 http://verumpartnership.com Page 29  Form ADV Part 2B – Brochure Supplement for David A. Perkins, J.D., CPA/PFS™, CFP® Principal, Senior Adviser Effective: October 17, 2025 This Form ADV 2B (“Brochure Supplement”) provides information about the background and qualifications of David A. Perkins, J.D., CPA/PFS™, CFP® (CRD# 2616463) in addition to the information contained in the Verum Partners LLC (“Verum” or the “Adviser”, CRD# 301058) Disclosure Brochure. If you have not received a copy of the Disclosure Brochure or if you have any questions about the contents of the Verum Disclosure Brochure or this Brochure Supplement, please contact us at (980) 771-3999. Additional information about Mr. Perkins is available on the SEC’s Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with his full name or his Individual CRD# 2616463. Verum Partners LLC 2333 Randolph Road, Suite 250 Charlotte, NC 28207 Phone: (980) 771-3999 | Fax: (980) 771-3388 http://verumpartnership.com Page 30  Item 2 – Educational Background and Business Experience David A. Perkins, J.D., CPA/PFS™, CFP®, born in 1954, is dedicated to advising Clients of Verum as a Principal and Senior Adviser. Mr. Perkins earned a Bachelor of Arts in History from Lafayette College in 1976. Additional information regarding Mr. Perkins’s employment history is included below. Employment History: Principal, Senior Adviser, Verum Partners LLC Tax Planner, David A. Perkins, CPA Consultant, Carolinas Wealth Consulting LLC Consultant, Carolinas Investment Consulting LLC 08/2023 to Present 05/1995 to Present 05/2019 to 08/2023 10/2004 to 08/2023 CERTIFIED FINANCIAL PLANNER™ (“CFP®”) The CERTIFIED FINANCIAL PLANNER™, CFP®, and federally registered CFP® (with flame design) marks (collectively, the “CFP® marks”) are professional certification marks granted in the United States by CERTIFIED FINANCIAL PLANNER™ Board of Standards, Inc. (“CFP® Board”). The CFP® certification is a voluntary certification; no federal or state law or regulation requires financial planners to hold CFP® certification. It is recognized in the United States and a number of other countries for its (1) high standard of professional education; (2) stringent code of conduct and standards of practice; and (3) ethical requirements that govern professional engagements with clients. Currently, more than 87,000 individuals have obtained CFP® certification in the United States. To attain the right to use the CFP® marks, an individual must satisfactorily fulfill the following requirements: ● Education – Complete an advanced college-level course of study addressing the financial planning subject areas that CFP Board’s studies have determined as necessary for the competent and professional delivery of financial planning services, and attain a Bachelor’s Degree from a regionally accredited United States college or university (or its equivalent from a foreign university). CFP Board’s financial planning subject areas include insurance planning and risk management, employee benefits planning, investment planning, income tax planning, retirement planning, and estate planning; ● Examination – Pass the comprehensive CFP® Certification Examination. The examination includes case studies and client scenarios designed to test one’s ability to correctly diagnose financial planning issues and apply one’s knowledge of financial planning to real-world circumstances; ● Experience – Complete at least three years of full-time financial planning-related experience (or the equivalent, measured as 2,000 hours per year); and ● Ethics – Agree to be bound by CFP Board’s Standards of Professional Conduct, a set of documents outlining the ethical and practice standards for CFP® professionals. Individuals who become certified must complete the following ongoing education and ethics requirements in order to maintain the right to continue to use the CFP® marks: ● Continuing Education – Complete 30 hours of continuing education hours every two years, including two hours on the Code of Ethics and other parts of the Standards of Professional Conduct, to maintain competence and keep up with developments in the financial planning field; and ● Ethics – Renew an agreement to be bound by the Standards of Professional Conduct. The Standards prominently require that CFP® professionals provide financial planning services at a fiduciary standard of care. This means CFP® professionals must provide financial planning services in the best interests of their clients. CFP® professionals who fail to comply with the above standards and requirements may be subject to CFP Board’s enforcement process, which could result in suspension or permanent revocation of their CFP® certification. Verum Partners LLC 2333 Randolph Road, Suite 250 Charlotte, NC 28207 Phone: (980) 771-3999 | Fax: (980) 771-3388 http://verumpartnership.com Page 31  Personal Financial Specialist™ (“PFS™”) The PFS™ credential demonstrates that an individual has met the minimum education, experience, and testing required of a CPA® in addition to a minimum level of expertise in personal financial planning. To attain the PFS™ credential, a candidate must hold an unrevoked CPA® license, fulfill 3,000 hours of personal financial planning business experience, complete 80 hours of individual financial planning CPE® credits, pass a comprehensive financial planning exam, and be an active member of the AICPA®. A PFS™ credential holder is required to adhere to AICPA’s® Code of Professional Conduct and is encouraged to follow AICPA’s® Statement on Responsibilities in Financial Planning Practice. To maintain their PFS™ credential, the recipient must complete 60 hours of financial planning CPE® credits every three years. The PFS™ credential is administered through the AICPA®. Item 3 – Disciplinary Information There are no legal, civil or disciplinary events to disclose regarding Mr. Perkins. Mr. Perkins has never been involved in any regulatory, civil or criminal action. There have been no client complaints, lawsuits, arbitration claims or administrative proceedings against Mr. Perkins. Securities laws require an Adviser to disclose any instances where the adviser or its advisory persons have been found liable in a legal, regulatory, civil or arbitration matter that alleges violation of securities and other statutes; fraud; false statements or omissions; theft, embezzlement or wrongful taking of property; bribery, forgery, counterfeiting, or extortion; and/or dishonest, unfair or unethical practices. As previously noted, there are no legal, civil or disciplinary events to disclose regarding Mr. Perkins. However, we do encourage you to independently view the background of Mr. Perkins on the Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with his full name or his Individual CRD# 2616463. Item 4 – Other Business Activities David A. Perkins, CPA Mr. Perkins is the owner of David A. Perkins, CPA, a North Carolina licensed CPA firm #28463, and is a Tax Planning Service provider. Mr. Perkins is responsible for tax return preparation and tax advice services. Mr. Perkins spends approximately 40 hours of his time per month in this role. Item 5 – Additional Compensation Mr. Perkins has additional business activities where compensation is received that are detailed in Item 4 above. Item 6 – Supervision Mr. Perkins serves as a Principal and Senior Adviser of Verum and is supervised by Holly Skipper, the Chief Compliance Officer. Ms. Skipper can be reached at (980) 771-3999. Verum has implemented a Code of Ethics, an internal compliance document that guides each Supervised Person in meeting their fiduciary obligations to Clients of Verum. Further, Verum is subject to regulatory oversight by various agencies. These agencies require registration by Verum and its Supervised Persons. As a registered entity, Verum is subject to examinations by regulators, which may be announced or unannounced. Verum is required to periodically update the information provided to these agencies and to provide various reports regarding the business activities and assets of the Adviser. Verum Partners LLC 2333 Randolph Road, Suite 250 Charlotte, NC 28207 Phone: (980) 771-3999 | Fax: (980) 771-3388 http://verumpartnership.com Page 32  Form ADV Part 2B – Brochure Supplement for Justin R. Louis, CFP® Partner & Adviser Effective: October 17, 2025 This Form ADV 2B (“Brochure Supplement”) provides information about the background and qualifications of Justin R. Louis, CFP®, (CRD# 6729706) in addition to the information contained in the Verum Partners LLC (“Verum” or the “Adviser”, CRD# 301058) Disclosure Brochure. If you have not received a copy of the Disclosure Brochure or if you have any questions about the contents of the Verum Disclosure Brochure or this Brochure Supplement, please contact us at (980) 771-3999. Additional information about Mr. Louis is available on the SEC’s Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with his full name or his Individual CRD# 6729706. Verum Partners LLC 2333 Randolph Road, Suite 250 Charlotte, NC 28207 Phone: (980) 771-3999 | Fax: (980) 771-3388 http://verumpartnership.com Page 33  Item 2 – Educational Background and Business Experience Justin R. Louis, CFP®, born in 1987, is dedicated to advising Clients of Verum as an Adviser. Mr. Louis earned a Bachelor of Science in Business Administration from Thomas Edison State University in 2007. Additional information regarding Mr. Louis’s employment history is included below. Employment History: Adviser, Verum Partners LLC Associate, David A. Perkins, CPA Investment Adviser, Carolinas Wealth Consulting LLC Associate, Carolinas Investment Consulting LLC Marketing Manager, Consert 08/2023 to Present 01/2018 to Present 04/2019 to 08/2023 11/2016 to 08/2023 09/2010 to 11/2016 CERTIFIED FINANCIAL PLANNER™ (“CFP®”) The CERTIFIED FINANCIAL PLANNER™, CFP®, and federally registered CFP® (with flame design) marks (collectively, the “CFP® marks”) are professional certification marks granted in the United States by CERTIFIED FINANCIAL PLANNER™ Board of Standards, Inc. (“CFP® Board”). The CFP® certification is a voluntary certification; no federal or state law or regulation requires financial planners to hold CFP® certification. It is recognized in the United States and a number of other countries for its (1) high standard of professional education; (2) stringent code of conduct and standards of practice; and (3) ethical requirements that govern professional engagements with clients. Currently, more than 87,000 individuals have obtained CFP® certification in the United States. To attain the right to use the CFP® marks, an individual must satisfactorily fulfill the following requirements: ● Education – Complete an advanced college-level course of study addressing the financial planning subject areas that CFP Board’s studies have determined as necessary for the competent and professional delivery of financial planning services, and attain a Bachelor’s Degree from a regionally accredited United States college or university (or its equivalent from a foreign university). CFP Board’s financial planning subject areas include insurance planning and risk management, employee benefits planning, investment planning, income tax planning, retirement planning, and estate planning; ● Examination – Pass the comprehensive CFP® Certification Examination. The examination includes case studies and client scenarios designed to test one’s ability to correctly diagnose financial planning issues and apply one’s knowledge of financial planning to real-world circumstances; ● Experience – Complete at least three years of full-time financial planning-related experience (or the equivalent, measured as 2,000 hours per year); and ● Ethics – Agree to be bound by CFP Board’s Standards of Professional Conduct, a set of documents outlining the ethical and practice standards for CFP® professionals. Individuals who become certified must complete the following ongoing education and ethics requirements in order to maintain the right to continue to use the CFP® marks: ● Continuing Education – Complete 30 hours of continuing education hours every two years, including two hours on the Code of Ethics and other parts of the Standards of Professional Conduct, to maintain competence and keep up with developments in the financial planning field; and ● Ethics – Renew an agreement to be bound by the Standards of Professional Conduct. The Standards prominently require that CFP® professionals provide financial planning services at a fiduciary standard of care. This means CFP® professionals must provide financial planning services in the best interests of their clients. CFP® professionals who fail to comply with the above standards and requirements may be subject to CFP Verum Partners LLC 2333 Randolph Road, Suite 250 Charlotte, NC 28207 Phone: (980) 771-3999 | Fax: (980) 771-3388 http://verumpartnership.com Page 34  Board’s enforcement process, which could result in suspension or permanent revocation of their CFP® certification. Item 3 – Disciplinary Information There are no legal, civil or disciplinary events to disclose regarding Mr. Louis. Mr. Louis has never been involved in any regulatory, civil or criminal action. There have been no client complaints, lawsuits, arbitration claims or administrative proceedings against Mr. Louis. Securities laws require an adviser to disclose any instances where the adviser or its advisory persons have been found liable in a legal, regulatory, civil or arbitration matter that alleges violation of securities and other statutes; fraud; false statements or omissions; theft, embezzlement or wrongful taking of property; bribery, forgery, counterfeiting, or extortion; and/or dishonest, unfair or unethical practices. As previously noted, there are no legal, civil or disciplinary events to disclose regarding Mr. Louis. However, we do encourage you to independently view the background of Mr. Louis on the Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with his full name or his Individual CRD# 6729706. Item 4 – Other Business Activities Mr. Louis is an Associate for David A. Perkins, CPA on a seasonal basis (February 15 – April 15), responsible for tax return preparation and tax forecasting. Mr. Louis spends approximately 6 hours of his time per month in this capacity. Item 5 – Additional Compensation Mr. Louis has additional business activities where compensation is received that are detailed in Item 4 above. Item 6 – Supervision Mr. Louis serves as an Adviser of Verum and is supervised by Holly Skipper, the Chief Compliance Officer. Ms. Skipper can be reached at (980) 771-3999. Verum has implemented a Code of Ethics, an internal compliance document that guides each Supervised Person in meeting their fiduciary obligations to Clients of Verum. Further, Verum is subject to regulatory oversight by various agencies. These agencies require registration by Verum and its Supervised Persons. As a registered entity, Verum is subject to examinations by regulators, which may be announced or unannounced. Verum is required to periodically update the information provided to these agencies and to provide various reports regarding the business activities and assets of the Adviser. Verum Partners LLC 2333 Randolph Road, Suite 250 Charlotte, NC 28207 Phone: (980) 771-3999 | Fax: (980) 771-3388 http://verumpartnership.com Page 35  Form ADV Part 2B – Brochure Supplement for Walker T. Shelton, CFP® Partner & Adviser Effective: October 17, 2025 This Form ADV 2B (“Brochure Supplement”) provides information about the background and qualifications of Walker T. Shelton, CFP® (CRD# 5838615) in addition to the information contained in the Verum Partners LLC (“Verum” or the “Adviser”, CRD# 301058) Disclosure Brochure. If you have not received a copy of the Disclosure Brochure or if you have any questions about the contents of the Verum Disclosure Brochure or this Brochure Supplement, please contact us at (980) 771-3999. Additional information about Mr. Shelton is available on the SEC’s Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with his full name or his Individual CRD# 5838615. Verum Partners LLC 2333 Randolph Road, Suite 250 Charlotte, NC 28207 Phone: (980) 771-3999 | Fax: (980) 771-3388 http://verumpartnership.com Page 36  Item 2 – Educational Background and Business Experience Walker T. Shelton, CFP®, born in 1986, is dedicated to advising Clients of Verum as an Adviser. Mr. Shelton earned a Bachelor of Science in Finance and Banking from Appalachian State University in 2009. Additional information regarding Mr. Shelton’s employment history is included below. Employment History: Adviser, Verum Partners LLC Associate, David A. Perkins, CPA Financial Planner, Carolinas Wealth Consulting LLC Financial Planner, Carolinas Investment Consulting LLC Brokerage Associate, Vanguard Marketing Corporation Associate, Ameriprise Financial 08/2023 to Present 01/2018 to Present 4/2019 to 8/2023 6/2013 to 8/2023 6/2011 to 6/2013 11/2010 to 5/2011 CERTIFIED FINANCIAL PLANNER™ (“CFP®”) The CERTIFIED FINANCIAL PLANNER™, CFP®, and federally registered CFP® (with flame design) marks (collectively, the “CFP® marks”) are professional certification marks granted in the United States by CERTIFIED FINANCIAL PLANNER™ Board of Standards, Inc. (“CFP® Board”). The CFP® certification is a voluntary certification; no federal or state law or regulation requires financial planners to hold CFP® certification. It is recognized in the United States and a number of other countries for its (1) high standard of professional education; (2) stringent code of conduct and standards of practice; and (3) ethical requirements that govern professional engagements with clients. Currently, more than 87,000 individuals have obtained CFP® certification in the United States. To attain the right to use the CFP® marks, an individual must satisfactorily fulfill the following requirements: ● Education – Complete an advanced college-level course of study addressing the financial planning subject areas that CFP Board’s studies have determined as necessary for the competent and professional delivery of financial planning services, and attain a Bachelor’s Degree from a regionally accredited United States college or university (or its equivalent from a foreign university). CFP Board’s financial planning subject areas include insurance planning and risk management, employee benefits planning, investment planning, income tax planning, retirement planning, and estate planning; ● Examination – Pass the comprehensive CFP® Certification Examination. The examination includes case studies and client scenarios designed to test one’s ability to correctly diagnose financial planning issues and apply one’s knowledge of financial planning to real-world circumstances; ● Experience – Complete at least three years of full-time financial planning-related experience (or the equivalent, measured as 2,000 hours per year); and ● Ethics – Agree to be bound by CFP Board’s Standards of Professional Conduct, a set of documents outlining the ethical and practice standards for CFP® professionals. Individuals who become certified must complete the following ongoing education and ethics requirements in order to maintain the right to continue to use the CFP® marks: ● Continuing Education – Complete 30 hours of continuing education hours every two years, including two hours on the Code of Ethics and other parts of the Standards of Professional Conduct, to maintain competence and keep up with developments in the financial planning field; and ● Ethics – Renew an agreement to be bound by the Standards of Professional Conduct. The Standards prominently require that CFP® professionals provide financial planning services at a fiduciary standard of care. This means CFP® professionals must provide financial planning services in the best interests of their clients. CFP® professionals who fail to comply with the above standards and requirements may be subject to CFP Verum Partners LLC 2333 Randolph Road, Suite 250 Charlotte, NC 28207 Phone: (980) 771-3999 | Fax: (980) 771-3388 http://verumpartnership.com Page 37  Board’s enforcement process, which could result in suspension or permanent revocation of their CFP® certification. Item 3 – Disciplinary Information There are no legal, civil or disciplinary events to disclose regarding Mr. Shelton. Mr. Shelton has never been involved in any regulatory, civil or criminal action. There have been no client complaints, lawsuits, arbitration claims or administrative proceedings against Mr. Shelton. Securities laws require an adviser to disclose any instances where the adviser or its advisory persons have been found liable in a legal, regulatory, civil or arbitration matter that alleges violation of securities and other statutes; fraud; false statements or omissions; theft, embezzlement or wrongful taking of property; bribery, forgery, counterfeiting, or extortion; and/or dishonest, unfair or unethical practices. As previously noted, there are no legal, civil or disciplinary events to disclose regarding Mr. Shelton. However, we do encourage you to independently view the background of Mr. Shelton on the Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with his full name or his Individual CRD# 5838615. Item 4 – Other Business Activities Mr. Shelton is an Associate for David A. Perkins CPA on a seasonal basis (February 15 – April 15) responsible for tax return preparation and tax forecasting. Mr. Shelton spends approximately 6 hours of his time per month in this capacity. Item 5 – Additional Compensation Mr. Shelton has additional business activities where compensation is received that are detailed in Item 4 above. Item 6 – Supervision Mr. Shelton serves as an Adviser of Verum and is supervised by Holly Skipper, the Chief Compliance Officer. Ms. Skipper can be reached at (980) 771-3999. Verum has implemented a Code of Ethics, an internal compliance document that guides each Supervised Person in meeting their fiduciary obligations to Clients of Verum. Further, Verum is subject to regulatory oversight by various agencies. These agencies require registration by Verum and its Supervised Persons. As a registered entity, Verum is subject to examinations by regulators, which may be announced or unannounced. Verum is required to periodically update the information provided to these agencies and to provide various reports regarding the business activities and assets of the Adviser. Verum Partners LLC 2333 Randolph Road, Suite 250 Charlotte, NC 28207 Phone: (980) 771-3999 | Fax: (980) 771-3388 http://verumpartnership.com Page 38  Form ADV Part 2B – Brochure Supplement for Breton J. Tagg, CFP®, CPA Adviser Effective: October 17, 2025 This Form ADV 2B (“Brochure Supplement”) provides information about the background and qualifications of Breton J. Tagg, CFP® ,CPA (CRD# 6604670) in addition to the information contained in the Verum Partners LLC (“Verum” or the “Adviser”, CRD# 301058) Disclosure Brochure. If you have not received a copy of the Disclosure Brochure or if you have any questions about the contents of the Verum Disclosure Brochure or this Brochure Supplement, please contact us at (980) 771-3999. Additional information about Mr. Tagg is available on the SEC’s Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with his full name or his Individual CRD# 6604670. Verum Partners LLC 2333 Randolph Road, Suite 250 Charlotte, NC 28207 Phone: (980) 771-3999 | Fax: (980) 771-3388 http://verumpartnership.com Page 39  Item 2 – Educational Background and Business Experience Breton J. Tagg, CFP® ,CPA, born in 1991, is dedicated to advising Clients of Verum as an Adviser. Mr. Tagg earned a Master of Accountancy and a Bachelor of Science in Accounting from Brigham Young University in 2017. Additional information regarding Mr. Tagg’s employment history is included below. Employment History: Adviser, Verum Partners LLC Assistant Vice President, Bank of America Tax Consultant, Deloitte 03/2022 to Present 05/2019 to 3/2022 10/2017 to 4/2019 CERTIFIED FINANCIAL PLANNER™ (“CFP®”) The CERTIFIED FINANCIAL PLANNER™, CFP®, and federally registered CFP® (with flame design) marks (collectively, the “CFP® marks”) are professional certification marks granted in the United States by CERTIFIED FINANCIAL PLANNER™ Board of Standards, Inc. (“CFP® Board”). The CFP® certification is a voluntary certification; no federal or state law or regulation requires financial planners to hold CFP® certification. It is recognized in the United States and a number of other countries for its (1) high standard of professional education; (2) stringent code of conduct and standards of practice; and (3) ethical requirements that govern professional engagements with clients. Currently, more than 87,000 individuals have obtained CFP® certification in the United States. To attain the right to use the CFP® marks, an individual must satisfactorily fulfill the following requirements: ● Education – Complete an advanced college-level course of study addressing the financial planning subject areas that CFP Board’s studies have determined as necessary for the competent and professional delivery of financial planning services, and attain a Bachelor’s Degree from a regionally accredited United States college or university (or its equivalent from a foreign university). CFP Board’s financial planning subject areas include insurance planning and risk management, employee benefits planning, investment planning, income tax planning, retirement planning, and estate planning; ● Examination – Pass the comprehensive CFP® Certification Examination. The examination includes case studies and client scenarios designed to test one’s ability to correctly diagnose financial planning issues and apply one’s knowledge of financial planning to real-world circumstances; ● Experience – Complete at least three years of full-time financial planning-related experience (or the equivalent, measured as 2,000 hours per year); and ● Ethics – Agree to be bound by CFP Board’s Standards of Professional Conduct, a set of documents outlining the ethical and practice standards for CFP® professionals. Individuals who become certified must complete the following ongoing education and ethics requirements in order to maintain the right to continue to use the CFP® marks: ● Continuing Education – Complete 30 hours of continuing education hours every two years, including two hours on the Code of Ethics and other parts of the Standards of Professional Conduct, to maintain competence and keep up with developments in the financial planning field; and ● Ethics – Renew an agreement to be bound by the Standards of Professional Conduct. The Standards prominently require that CFP® professionals provide financial planning services at a fiduciary standard of care. This means CFP® professionals must provide financial planning services in the best interests of their clients. CFP® professionals who fail to comply with the above standards and requirements may be subject to CFP Board’s enforcement process, which could result in suspension or permanent revocation of their CFP®. Certified Public Accountant™ (“CPA”) CPAs are licensed and regulated by their state boards of accountancy. While state laws and regulations vary, the education, experience and testing requirements for licensure as a CPA generally include minimum college education (typically 150 credit hours with at least a baccalaureate degree and a concentration in Verum Partners LLC 2333 Randolph Road, Suite 250 Charlotte, NC 28207 Phone: (980) 771-3999 | Fax: (980) 771-3388 http://verumpartnership.com Page 40  accounting), minimum experience levels (most states require at least one year of experience providing services that involve the use of accounting, attest, compilation, management advisory, financial advisory, tax or consulting skills, all of which must be achieved under the supervision of or verification by a CPA), and successful passage of the Uniform CPA Examination. In order to maintain a CPA license, states generally require the completion of 40 hours of continuing professional education (CPE) each year (or 80 hours over a two-year period or 120 hours over a three-year period). Additionally, all American Institute of Certified Public Accountants™ (AICPA®) members are required to follow a rigorous Code of Professional Conduct which requires that they act with integrity, objectivity, due care, competence, fully disclose any conflicts of interest (and obtain client consent if a conflict exists), maintain client confidentiality, disclose to the client any commission or referral fees, and serve the public interest when providing financial services. The vast majority of state boards of accountancy have adopted the AICPA’s® Code of Professional Conduct within their state accountancy laws or have created their own. Item 3 – Disciplinary Information There are no legal, civil or disciplinary events to disclose regarding Mr. Tagg. Mr. Tagg has never been involved in any regulatory, civil or criminal action. There have been no client complaints, lawsuits, arbitration claims or administrative proceedings against Mr. Tagg. Securities laws require an adviser to disclose any instances where the adviser or its advisory persons have been found liable in a legal, regulatory, civil or arbitration matter that alleges violation of securities and other statutes; fraud; false statements or omissions; theft, embezzlement or wrongful taking of property; bribery, forgery, counterfeiting, or extortion; and/or dishonest, unfair or unethical practices. As previously noted, there are no legal, civil or disciplinary events to disclose regarding Mr. Tagg. However, we do encourage you to independently view the background of Mr. Tagg on the Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with his full name or his Individual CRD# 6604670. Item 4 – Other Business Activities Mr. Tagg is dedicated to the investment advisory activities of Verum’s Clients. Mr. Tagg does not have any other business activities. Item 5 – Additional Compensation Mr. Tagg is dedicated to the investment advisory activities of Verum’s Clients. Mr. Tagg does not receive any additional forms of compensation. Item 6 – Supervision Mr. Tagg serves as an Adviser of Verum and is supervised by Holly Skipper, the Chief Compliance Officer. Ms. Skipper can be reached at (980) 498-1043. Verum has implemented a Code of Ethics, an internal compliance document that guides each Supervised Person in meeting their fiduciary obligations to Clients of Verum. Further, Verum is subject to regulatory oversight by various agencies. These agencies require registration by Verum and its Supervised Persons. As a registered entity, Verum is subject to examinations by regulators, which may be announced or unannounced. Verum is required to periodically update the information provided to these agencies and to provide various reports regarding the business activities and assets of the Adviser. Verum Partners LLC 2333 Randolph Road, Suite 250 Charlotte, NC 28207 Phone: (980) 771-3999 | Fax: (980) 771-3388 http://verumpartnership.com Page 41  Form ADV Part 2B – Brochure Supplement for Molly M. Bohrer Partner, Director of Client Partnership & Director of Marketing Effective: October 17, 2025 This Form ADV 2B (“Brochure Supplement”) provides information about the background and qualifications of Molly M. Bohrer (CRD# 6918673) in addition to the information contained in the Verum Partners LLC (“Verum” or the “Adviser”, CRD# 301058) Disclosure Brochure. If you have not received a copy of the Disclosure Brochure or if you have any questions about the contents of the Verum Disclosure Brochure or this Brochure Supplement, please contact us at (980) 771-3999. Additional information about Mrs. Bohrer is available on the SEC’s Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with her full name or her Individual CRD# 6918673. Verum Partners LLC 2333 Randolph Road, Suite 250 Charlotte, NC 28207 Phone: (980) 771-3999 | Fax: (980) 771-3388 http://verumpartnership.com Page 42  Item 2 – Educational Background and Business Experience Molly M. Bohrer, born in 1997, is dedicated to advising Clients of Verum as Director of Client Partnership and Director of Marketing. Mrs. Bohrer earned an Economics and Mathematics Degree from Syracuse University in 2019. Additional information regarding Mrs. Bohrer’s employment history is included below. Employment History: Director of Client Partnership & Director of Marketing, Verum Partners LLC Director of Client Partnership, Verum Partners LLC Operations Analyst, Morgan Stanley Research Assistant, Syracuse University Teaching Assistant, Syracuse University 01/2025 to Present 05/2021 to 01/2025 6/2018 to 4/2021 7/2017 to 9/2017 8/2016 to 12/2016 Item 3 – Disciplinary Information There are no legal, civil or disciplinary events to disclose regarding Mrs. Bohrer. Mrs. Bohrer has never been involved in any regulatory, civil or criminal action. There have been no client complaints, lawsuits, arbitration claims or administrative proceedings against Mrs. Bohrer. Securities laws require an adviser to disclose any instances where the adviser or its advisory persons have been found liable in a legal, regulatory, civil or arbitration matter that alleges violation of securities and other statutes; fraud; false statements or omissions; theft, embezzlement or wrongful taking of property; bribery, forgery, counterfeiting, or extortion; and/or dishonest, unfair or unethical practices. As previously noted, there are no legal, civil or disciplinary events to disclose regarding Mrs. Bohrer. However, we do encourage you to independently view the background of Mrs. Bohrer on the Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with her full name or her Individual CRD# 6918673. Item 4 – Other Business Activities Mrs. Bohrer is dedicated to the investment advisory activities of Verum’s Clients. Mrs. Bohrer does not have any other business activities. Item 5 – Additional Compensation Mrs. Bohrer is dedicated to the investment advisory activities of Verum’s Clients. Mrs. Bohrer does not receive any additional forms of compensation. Item 6 – Supervision Mrs. Bohrer serves as the Director of Client Partnership and Director of Marketing of Verum and is supervised by Holly Skipper, the Chief Compliance Officer. Ms. Skipper can be reached at (980) 498-1043. Verum has implemented a Code of Ethics, an internal compliance document that guides each Supervised Person in meeting their fiduciary obligations to Clients of Verum. Further, Verum is subject to regulatory oversight by various agencies. These agencies require registration by Verum and its Supervised Persons. As a registered entity, Verum is subject to examinations by regulators, which may be announced or unannounced. Verum is required to periodically update the information provided to these agencies and to provide various reports regarding the business activities and assets of the Adviser. Verum Partners LLC 2333 Randolph Road, Suite 250 Charlotte, NC 28207 Phone: (980) 771-3999 | Fax: (980) 771-3388 http://verumpartnership.com Page 43  Form ADV Part 2B – Brochure Supplement for Austin D. Tilles Investment Associate Effective: October 17, 2025 This Form ADV 2B (“Brochure Supplement”) provides information about the background and qualifications of Austin D. Tilles (CRD# 7171376) in addition to the information contained in the Verum Partners LLC (“Verum” or the “Adviser”, CRD# 301058) Disclosure Brochure. If you have not received a copy of the Disclosure Brochure or if you have any questions about the contents of the Verum Disclosure Brochure or this Brochure Supplement, please contact us at (980) 771-3999. Additional information about Mr. Tilles is available on the SEC’s Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with his full name or his Individual CRD# 7171376. Verum Partners LLC 2333 Randolph Road, Suite 250 Charlotte, NC 28207 Phone: (980) 771-3999 | Fax: (980) 771-3388 http://verumpartnership.com Page 44  Item 2 – Educational Background and Business Experience Austin D. Tilles, born in 1997, is dedicated to advising Clients of Verum as an Investment Associate. Mr. Tilles earned a Bachelor of Science in Finance and Marketing from University of North Carolina at Charlotte in 2019. Additional information regarding Mr. Tilles’s employment history is included below. Employment History: Investment Associate, Verum Partners LLC Investment Analyst, Verum Partners LLC Twitch Gamer, Self Employed Brokerage Associate, The Vanguard Group, Inc. Event Specialist, Advantage Solutions Produce Associate, Whole Foods Grocery Associate, Food Lion 01/2025 to Present 04/2022 to 01/2025 07/2021 to 03/2022 08/2019 to 04/2022 08/2018 to 07/2019 07/2017 to 08/2018 08/2013 to 08/2017 Item 3 – Disciplinary Information There are no legal, civil or disciplinary events to disclose regarding Mr. Tilles. Mr. Tilles has never been involved in any regulatory, civil or criminal action. There have been no client complaints, lawsuits, arbitration claims or administrative proceedings against Mr. Tilles. Securities laws require an adviser to disclose any instances where the adviser or its advisory persons have been found liable in a legal, regulatory, civil or arbitration matter that alleges violation of securities and other statutes; fraud; false statements or omissions; theft, embezzlement or wrongful taking of property; bribery, forgery, counterfeiting, or extortion; and/or dishonest, unfair or unethical practices. As previously noted, there are no legal, civil or disciplinary events to disclose regarding Mr. Tilles. However, we do encourage you to independently view the background of Mr. Tilles on the Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with his full name or his Individual CRD# 7171376. Item 4 – Other Business Activities Mr. Tilles is dedicated to the investment advisory activities of Verum’s Clients. Mr. Tilles does not have any other business activities. Item 5 – Additional Compensation Mr. Tilles is dedicated to the investment advisory activities of Verum’s Clients. Mr. Tilles does not receive any additional forms of compensation. Item 6 – Supervision Mr. Tilles serves as an Investment Associate of Verum and is supervised by Holly Skipper, the Chief Compliance Officer. Ms. Skipper can be reached at (980) 498-1043. Verum has implemented a Code of Ethics, an internal compliance document that guides each Supervised Person in meeting their fiduciary obligations to Clients of Verum. Further, Verum is subject to regulatory oversight by various agencies. These agencies require registration by Verum and its Supervised Persons. As a registered entity, Verum is subject to examinations by regulators, which may be announced or unannounced. Verum is required to periodically update the information provided to these agencies and to provide various reports regarding the business activities and assets of the Adviser. Verum Partners LLC 2333 Randolph Road, Suite 250 Charlotte, NC 28207 Phone: (980) 771-3999 | Fax: (980) 771-3388 http://verumpartnership.com Page 45  Form ADV Part 2B – Brochure Supplement for Angela N. Connolly Senior Client Partner Effective: October 17, 2025 This Form ADV 2B (“Brochure Supplement”) provides information about the background and qualifications of Angela N. Connolly (CRD# 7743206) in addition to the information contained in the Verum Partners LLC (“Verum” or the “Advisor”, CRD# 301058) Disclosure Brochure. If you have not received a copy of the Disclosure Brochure or if you have any questions about the contents of the Verum Disclosure Brochure or this Brochure Supplement, please contact us at (980) 771-3999. Additional information about Ms. Connolly is available on the SEC’s Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with her full name or her Individual CRD# 7743206.. Verum Partners LLC 2333 Randolph Road, Suite 250 Charlotte, NC 28207 Phone: (980) 771-3999 | Fax: (980) 771-3388 http://verumpartnership.com Page 46  Item 2 – Educational Background and Business Experience Angela N. Connolly, born in 1999, is dedicated to advising Clients of Verum as a Senior Client Partner. Ms. Connolly earned BS in Business Administration with a concentration in Finance from Northeastern University in 2022. Additional information regarding Ms. Connolly’s employment history is included below. Employment History: 03/2023 to Present 06/2022 to 03/2023 1/2022 to 5/2022 1/2021 to 7/2021 Senior Client Partner, Verum Partners LLC Financial and Accounting Analyst, SPX Technologies, Inc. Server/Waitress, The Broadway Equity and Fixed Income Trading Support Co-Op, MFS Investment Management Associate Analyst Co-Op, Fidelity Investments Student, Northeastern University Server, Crescent Ridge Ice Cream & Dairy 1/2020 to 6/2020 09/2017 to 05/2022 3/2016 to 12/2020 Item 3 – Disciplinary Information There are no legal, civil or disciplinary events to disclose regarding Ms. Connolly. Ms. Connolly has never been involved in any regulatory, civil or criminal action. There have been no client complaints, lawsuits, arbitration claims or administrative proceedings against Ms. Connolly. Securities laws require an advisor to disclose any instances where the advisor or its advisory persons have been found liable in a legal, regulatory, civil or arbitration matter that alleges violation of securities and other statutes; fraud; false statements or omissions; theft, embezzlement or wrongful taking of property; bribery, forgery, counterfeiting, or extortion; and/or dishonest, unfair or unethical practices. As previously noted, there are no legal, civil or disciplinary events to disclose regarding Ms. Connolly. However, we do encourage you to independently view the background of Ms. Connolly on the Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with her full name or her Individual CRD# 7743206. Item 4 – Other Business Activities Ms. Connolly is dedicated to the investment advisory activities of Verum’s Clients. Ms. Connolly does not have any other business activities. Item 5 – Additional Compensation Ms. Connolly is dedicated to the investment advisory activities of Verum’s Clients. Ms. Connolly does not receive any additional forms of compensation. Item 6 – Supervision Ms. Connolly serves as a Senior Client Partner of Verum and is supervised by Holly Skipper, the Chief Compliance Officer. Ms. Skipper can be reached at (980) 771-3999. Verum has implemented a Code of Ethics, an internal compliance document that guides each Supervised Person in meeting their fiduciary obligations to Clients of Verum. Further, Verum is subject to regulatory oversight by various agencies. These agencies require registration by Verum and its Supervised Persons. As a registered entity, Verum is subject to examinations by regulators, which may be announced or unannounced. Verum is required to periodically update the information provided to these agencies and to provide various reports regarding the business activities and assets of the Advisor. Verum Partners LLC 2333 Randolph Road, Suite 250 Charlotte, NC 28207 Phone: (980) 771-3999 | Fax: (980) 771-3388 http://verumpartnership.com Page 47  Form ADV Part 2B – Brochure Supplement for Charles E. Doran Associate Adviser Effective: October 17, 2025 This Form ADV 2B (“Brochure Supplement”) provides information about the background and qualifications of Charles E. Doran (CRD# 7261273) in addition to the information contained in the Verum Partners LLC (“Verum” or the “Advisor”, CRD# 301058) Disclosure Brochure. If you have not received a copy of the Disclosure Brochure or if you have any questions about the contents of the Verum Disclosure Brochure or this Brochure Supplement, please contact us at (980) 771-3999. Additional information about Mr. Doran is available on the SEC’s Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with his full name or his Individual CRD# 7261273. Verum Partners LLC 2333 Randolph Road, Suite 250 Charlotte, NC 28207 Phone: (980) 771-3999 | Fax: (980) 771-3388 http://verumpartnership.com Page 48  Item 2 – Educational Background and Business Experience Charles E. Doran, born in 1998, is dedicated to advising Clients of Verum as an Associate Adviser. Mr. Doran earned a B.A Philosophy; B.A Politics & International Affairs from Wake Forest University in 2021. Additional information regarding Mr. Doran’s employment history is included below. Employment History: Associate Adviser, Verum Partners LLC Financial Planning Analyst, Verum Partners LLC Assistant Vice President; Senior Auditor, Bank of America Student, Wake Forest University 01/2025 to Present 02/2024 to 01/2025 07/2021 to 02/2024 09/2017 to 05/2021 Item 3 – Disciplinary Information There are no legal, civil or disciplinary events to disclose regarding Mr. Doran. Mr. Doran has never been involved in any regulatory, civil or criminal action. There have been no client complaints, lawsuits, arbitration claims or administrative proceedings against Mr. Doran. Securities laws require an advisor to disclose any instances where the advisor or its advisory persons have been found liable in a legal, regulatory, civil or arbitration matter that alleges violation of securities and other statutes; fraud; false statements or omissions; theft, embezzlement or wrongful taking of property; bribery, forgery, counterfeiting, or extortion; and/or dishonest, unfair or unethical practices. As previously noted, there are no legal, civil or disciplinary events to disclose regarding Mr. Doran. However, we do encourage you to independently view the background of Mr. Doran on the Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with his full name or his Individual CRD# 7261273. Item 4 – Other Business Activities Mr. Doran is dedicated to the investment advisory activities of Verum’s Clients. Mr. Doran does not have any other business activities. Item 5 – Additional Compensation Mr. Doran is dedicated to the investment advisory activities of Verum’s Clients. Mr. Doran does not receive any additional forms of compensation. Item 6 – Supervision Mr. Doran serves as an Associate Adviser of Verum and is supervised by Holly Skipper, the Chief Compliance Officer. Ms. Skipper can be reached at (980) 771-3999. Verum has implemented a Code of Ethics, an internal compliance document that guides each Supervised Person in meeting their fiduciary obligations to Clients of Verum. Further, Verum is subject to regulatory oversight by various agencies. These agencies require registration by Verum and its Supervised Persons. As a registered entity, Verum is subject to examinations by regulators, which may be announced or unannounced. Verum is required to periodically update the information provided to these agencies and to provide various reports regarding the business activities and assets of the Advisor. Verum Partners LLC 2333 Randolph Road, Suite 250 Charlotte, NC 28207 Phone: (980) 771-3999 | Fax: (980) 771-3388 http://verumpartnership.com Page 49  Form ADV Part 2B – Brochure Supplement for Parker S. Mayo, CFP®, CPWA® Associate Adviser Effective: October 17, 2025 This Form ADV 2B (“Brochure Supplement”) provides information about the background and qualifications of Parker S. Mayo, CFP®, CPWA® (CRD# 7259603) in addition to the information contained in the Verum Partners LLC (“Verum” or the “Advisor”, CRD# 301058) Disclosure Brochure. If you have not received a copy of the Disclosure Brochure or if you have any questions about the contents of the Verum Disclosure Brochure or this Brochure Supplement, please contact us at (980) 771-3999. Additional information about Mr. Mayo is available on the SEC’s Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with his full name or his Individual CRD# 7259603. Verum Partners LLC 2333 Randolph Road, Suite 250 Charlotte, NC 28207 Phone: (980) 771-3999 | Fax: (980) 771-3388 http://verumpartnership.com Page 50  Item 2 – Educational Background and Business Experience Parker S. Mayo, CFP®, CPWA®, born in 1988, is dedicated to advising Clients of Verum as an Associate Adviser. Mr. Mayo earned a Bachelor of Science from the United States Air Force Academy in 2011. Additional information regarding Mr. Mayo’s employment history is included below. Employment History: Associate Adviser, Verum Partners LLC Financial Consultant, Fidelity Investments Senior Audit Analyst, Fidelity Investments Financial Management Officer, United States Air Force 03/2025 to Present 07/2021 to 03/2025 07/2018 to 07/2021 05/2011 to 06/2018 CERTIFIED FINANCIAL PLANNER™ (“CFP®”) The CERTIFIED FINANCIAL PLANNER™, CFP®, and federally registered CFP® (with flame design) marks (collectively, the “CFP® marks”) are professional certification marks granted in the United States by CERTIFIED FINANCIAL PLANNER™ Board of Standards, Inc. (“CFP® Board”). The CFP® certification is a voluntary certification; no federal or state law or regulation requires financial planners to hold CFP® certification. It is recognized in the United States and a number of other countries for its (1) high standard of professional education; (2) stringent code of conduct and standards of practice; and (3) ethical requirements that govern professional engagements with clients. Currently, more than 87,000 individuals have obtained CFP® certification in the United States. To attain the right to use the CFP® marks, an individual must satisfactorily fulfill the following requirements: • Education – Complete an advanced college-level course of study addressing the financial planning subject areas that CFP Board’s studies have determined as necessary for the competent and professional delivery of financial planning services, and attain a Bachelor’s Degree from a regionally accredited United States college or university (or its equivalent from a foreign university). CFP Board’s financial planning subject areas include insurance planning and risk management, employee benefits planning, investment planning, income tax planning, retirement planning, and estate planning; • Examination – Pass the comprehensive CFP® Certification Examination. The examination includes case studies and client scenarios designed to test one’s ability to correctly diagnose financial planning issues and apply one’s knowledge of financial planning to real-world circumstances; • Experience – Complete at least three years of full-time financial planning-related experience (or the equivalent, measured as 2,000 hours per year); and • Ethics – Agree to be bound by CFP Board’s Standards of Professional Conduct, a set of documents outlining the ethical and practice standards for CFP® professionals. Individuals who become certified must complete the following ongoing education and ethics requirements in order to maintain the right to continue to use the CFP® marks: • Continuing Education – Complete 30 hours of continuing education hours every two years, including two hours on the Code of Ethics and other parts of the Standards of Professional Conduct, to maintain competence and keep up with developments in the financial planning field; and • Ethics – Renew an agreement to be bound by the Standards of Professional Conduct. The Standards prominently require that CFP® professionals provide financial planning services at a fiduciary standard of care. This means CFP® professionals must provide financial planning services in the best interests of their clients. CFP® professionals who fail to comply with the above standards and requirements may be subject to CFP Board’s enforcement process, which could result in suspension or permanent revocation of their CFP®. Certified Private Wealth Advisor™ (“CPWA®”) The CPWA® designation signifies that an individual has met initial and on-going experience, ethical, education, and examination requirements for the professional designation, which is centered on private wealth management Verum Partners LLC 2333 Randolph Road, Suite 250 Charlotte, NC 28207 Phone: (980) 771-3999 | Fax: (980) 771-3388 http://verumpartnership.com Page 51  topics and strategies for high-net-worth clients. Prerequisites for the CPWA® designation are: A Bachelor’s degree from an accredited college or university or one of the following designations or licenses: CIMA®, CIMC®, CFA®, CFP®, ChFC®, or CPA® license; have an acceptable regulatory history as evidenced by FINRA Form U-4 or other regulatory requirements and five years of professional client-centered experience in financial services or a related industry. CPWA® designees have completed a rigorous educational process that includes self-study requirements, an in-class education component, and successful completion of a comprehensive examination. CPWA® designees are required to adhere to IMCA’s Code of Professional Responsibility and Rules and Guidelines for the use of the Marks. CPWA® designees must report 40 hours of continuing education credits, including two ethics hours every two years to maintain the certification. The designation is administered through the Investment Management Consultants Association™ (IMCA®). Item 3 – Disciplinary Information There are no legal, civil or disciplinary events to disclose regarding Mr. Mayo. Mr. Mayo has never been involved in any regulatory, civil or criminal action. There have been no client complaints, lawsuits, arbitration claims or administrative proceedings against Mr. Mayo. Securities laws require an advisor to disclose any instances where the advisor or its advisory persons have been found liable in a legal, regulatory, civil or arbitration matter that alleges violation of securities and other statutes; fraud; false statements or omissions; theft, embezzlement or wrongful taking of property; bribery, forgery, counterfeiting, or extortion; and/or dishonest, unfair or unethical practices. As previously noted, there are no legal, civil or disciplinary events to disclose regarding Mr. Mayo. However, we do encourage you to independently view the background of Mr. Mayo on the Investment Adviser Public Disclosure website at www.adviserinfo.sec.gov by searching with his full name or his Individual CRD# 7259603. Item 4 – Other Business Activities Mr. Mayo is dedicated to the investment advisory activities of Verum’s Clients. Mr. Mayo does not have any other business activities. Item 5 – Additional Compensation Mr. Mayo is dedicated to the investment advisory activities of Verum’s Clients. Mr. Mayo does not receive any additional forms of compensation. Item 6 – Supervision Mr. Mayo serves as an Associate Adviser of Verum and is supervised by Holly Skipper, the Chief Compliance Officer. Ms. Skipper can be reached at (980) 771-3999. Verum has implemented a Code of Ethics, an internal compliance document that guides each Supervised Person in meeting their fiduciary obligations to Clients of Verum. Further, Verum is subject to regulatory oversight by various agencies. These agencies require registration by Verum and its Supervised Persons. As a registered entity, Verum is subject to examinations by regulators, which may be announced or unannounced. Verum is required to periodically update the information provided to these agencies and to provide various reports regarding the business activities and assets of the Advisor. Verum Partners LLC 2333 Randolph Road, Suite 250 Charlotte, NC 28207 Phone: (980) 771-3999 | Fax: (980) 771-3388 http://verumpartnership.com Page 52  Privacy Policy October 17, 2025 Our Commitment to You Verum Partners LLC (“Verum Partners” or the “Adviser”) is committed to safeguarding the use of personal information of our Clients (also referred to as “you” and “your”) that we obtain as your Investment Adviser, as described here in our Privacy Policy (“Policy”). Our relationship with you is our most important asset. We understand that you have entrusted us with your private information, and we do everything that we can to maintain that trust. Verum Partners (also referred to as "we," "our" and "us”) protects the security and confidentiality of the personal information we have and implements controls to ensure that such information is used for proper business purposes in connection with the management or servicing of our relationship with you. Verum Partners does not sell your non-public personal information to anyone. Nor do we provide such information to others except for discrete and reasonable business purposes in connection with the servicing and management of our relationship with you, as discussed below. Details of our approach to privacy and how your personal non-public information is collected and used are set forth in this Policy. Why do you need to know? Registered Investment Advisers (“RIAs”) must share some of your personal information in the course of servicing your account. Federal and State laws give you the right to limit some of this sharing and require RIAs to disclose how we collect, share, and protect your personal information. What information do we collect from you? Social security or taxpayer identification number Assets and liabilities Name, address, and phone number[s] Income and expenses E-mail address[es] Investment activity Account information (including other institutions) Investment experience and goals What information do we collect from other sources? Custody, brokerage, and advisory agreements Account applications and forms Other advisory agreements and legal documents Investment questionnaires and suitability documents Transactional information with us or others Other information needed to service account How do we protect your information? To safeguard your personal information from unauthorized access and use we maintain physical, procedural, and electronic security measures. These include such safeguards as secure passwords, encrypted file storage, and a secure office environment. Our technology vendors provide security and access control over personal information and have policies over the transmission of data. Our associates are trained on their responsibilities to protect each Client’s personal information. We require third parties that assist in providing our services to you to protect the personal information they receive from us. Verum Partners LLC 2333 Randolph Road, Suite 250 Charlotte, NC 28207 Phone: (980) 771-3999 | Fax: (980) 771-3388 http://verumpartnership.com Page 53  How do we share your information? An RIA shares Client personal information to effectively implement its services. In the section below, we list some reasons we may share your personal information. Basis For Sharing Do we share? Can you limit? Yes No Servicing Our Clients We may share non-public personal information with non-affiliated third parties (such as administrators, brokers, custodians, regulators, credit agencies, other financial institutions) as necessary for us to provide agreed upon services to you, consistent with applicable law, including but not limited to: processing transactions; general account maintenance; responding to regulators or legal investigations; and credit reporting. No Not Shared Marketing Purposes Verum Partners does not disclose, and does not intend to disclose, personal information with non-affiliated third parties to offer you services. Certain laws may give us the right to share your personal information with financial institutions where you are a customer and where Verum Partners or the client has a formal agreement with the financial institution. We will only share information for purposes of servicing your accounts, not for marketing purposes. Yes Yes Authorized Users Your non-public personal information may be disclosed to you and persons that we believe to be your authorized agent[s] or representative[s]. No Not Shared Information About Former Clients Verum Partners does not disclose and does not intend to disclose, non- public personal information to non-affiliated third parties with respect to persons who are no longer our Clients. Changes to our Privacy Policy We will send you a copy of this Policy annually for as long as you maintain an ongoing relationship with us. Periodically we may revise this Policy and will provide you with a revised Privacy Policy if the changes materially alter the previous Privacy Policy. We will not, however, revise our Privacy Policy to permit the sharing of non- public personal information other than as described in this notice unless we first notify you and provide you with an opportunity to prevent the information sharing. Any Questions? You may ask questions or voice any concerns, as well as obtain a copy of our current Privacy Policy by contacting the Adviser at (980) 771-3999. Verum Partners LLC 2333 Randolph Road, Suite 250 Charlotte, NC 28207 Phone: (980) 771-3999 | Fax: (980) 771-3388 http://verumpartnership.com Page 54