The JBR Group. Wealth Management

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1 The JBR Group Wealth Maagemet

2 Who We Work With ad for The cliets we serve deserve our highest esteem. They are diliget, smart people who have geerated wealth i may differet ways, yet share a commo thread: a high degree of complexity i their fiacial lives. Our team offers advice ad guidace across the spectrum of wealth maagemet to high-et-worth idividuals, affluet families, successful busiess eterprises ad select oprofit orgaizatios. The cliets we serve iclude, but are ot limited to, seior executives of public ad private compaies, etrepreeurs, rachers, former busiess/lad owers who experieced substatial liquidity evets, ad fiace professioals, such as ivestmet bakers ad veture capitalists. Our busiess is atioal i scope. We are proud of our ability to maitai close, costructive relatioships with people who live ad work all over the coutry coast-to-coast, border-to-border. To those who would like to lear more about our wealth maagemet philosophy, we ivite your iquiry, regardless of your locatio. Merrill Lych makes available products ad services offered by Merrill Lych, Pierce, Feer & Smith Icorporated (MLPF&S) ad other subsidiaries of Bak of America Corporatio (BofA Corp.). Bakig products are provided by Bak of America, N.A., ad affiliated baks, Members FDIC ad wholly owed subsidiaries of BofA Corp. Ivestmet products offered through MLPF&S ad isurace ad auity products offered through Merrill Lych Life Agecy Ic.: Are Not FDIC Isured Are Not Bak Guarateed May Lose Value Are Not Deposits Are Not Isured by Ay Federal Govermet Agecy Are Not a Coditio to Ay Bakig Service or Activity MLPF&S is a registered broker-dealer, Member SIPC ad a wholly owed subsidiary of Bak of America Corporatio. Merrill Lych Life Agecy Ic. is a licesed isurace agecy ad a wholly owed subsidiary of Bak of America Corporatio.

3 Our Philosophy ad Commitmet Uderstadig ad coectig with what makes you uique form the foudatio of our workig relatioships. They are the catalyst for the customized fiacial advice, guidace ad strategic thikig we offer. We are committed to makig a tagible differece i cliets fiacial lives. We strive to do this by positioig our team as a trusted source of iformatio diagostics that ca have a direct impact o the quality ad depth of the fiacial decisios you make. To this ed, we employ a goals-based wealth maagemet process that is deeply rooted i behavioral fiace to alig fiacial decisio makig with behavioral icliatios, resultig i a ivestmet jourey that has a holistic approach to wealth maagemet. Experiece, kowledge of wealth maagemet ad high esteem for cliets these are the distictive traits that we believe set us apart ad will impact your cliet experiece with us. Robert Jurkiewicz, Wealth Maagemet Advisor... o cliet focus: We take our kowledge, skills ad the global resources of Merrill Lych ad apply them to support sophisticated cliets as they face their uique set of wealth maagemet issues. The wealth maagemet process is customized to you ad your situatio.

4 Expasive Capabilities i Corporate Fiace, Ivestmets, Capital Markets ADVICE AND GUIDANCE Goals-based wealth maagemet process 1 Educatio fudig strategies 1 Extesive global research 1 Tax miimizatio strategies 1 Ivestmet persoality assessmet 1 RETIREMENT Maagig icome i retiremet 1 Maagig 401(k) durig job trasitio 1 Plaig for retiremet 1 Health care expese plaig 1 Retiremet icome plaig 1 BANKING Everyday cash maagemet 2 Savigs products 2 SOLUTIONS FOR BUSINESS Liquidity ad cash maagemet 2 Commercial loa fiacig 2 Retiremet solutios 1 Successio plaig 1 TRACKING PROGRESS Asset iformatio ad measuremet 1 Cliet review 1 MyMerrill.com 1 Statemets 1 Wealth Outlook 1 CREDIT AND LENDING Credit cards 2 Home fiacig 2 Home equity fiacig 2 Securities-based ledig 2 ESTATE GUIDANCE SERVICES Charitable givig 2 Isurace ad auities 1 Private family foudatios 2 Trusts 2 Door-advised fuds 2 INVESTMENTS Alterative ivestmets 1 Cocetrated stock services 1 Equity ad fixed-icome strategies 1 Maaged accout programs 1 Market-liked ivestmets 1 Uit ivestmet trusts 1 Closed-ed fuds 1 1 Ivestmet products are offered by Merrill Lych, Pierce, Feer & Smith Icorporated. 2 Bakig products are offered by Bak of America, N.A. 4

5 It s a Matter of Fit We are selective i takig o ew cliets to assure that we have the time, eergy ad resources to devote to you. Our experiece has bee that the right fit betwee advisor ad cliet is the critical elemet i a strog cliet relatioship. We believe durable relatioships begi with the best possible match betwee your eeds ad expectatios, ad our skills ad capabilities. Matt Richeda, Wealth Maagemet Advisor... o maagig complexity: We believe our services are most valuable to cliets with complex wealth maagemet eeds who are lookig for isight beyod stock ad bod recommedatios. Our stregth lies i usig our experiece ad kowledge to sythesize strategies for complicated fiacial situatios. 5

6 Our Wealth Maagemet Discovery ad Implemetatio Process: Sequece ad Timelie 1 Iitial Discussios We follow a rigorous process of discovery ad implemetatio, buildig o the Merrill Lych wealth maagemet process, that begis with a iitial discussio. This is a first chace for you to iterview us, ad for us to iterview you. It is a listeig opportuity so we ca mutually formulate some thoughts about fit, your eeds ad our stregths, ad your fiacial objectives. We will explai what you should expect from us i terms of professioalism, experietial advice ad guidace, follow-through, orgaizatioal structure, cliet service ad the importat roles the team s two cliet associates play i relatioship maagemet. We will probe your experieces with existig advisors to determie what has worked well, ad ot so well. We will poit out differetiators, such as the firm s due diligece protocols. Prior to the meetig ad whe appropriate, we will edeavor to review SEC iformatio about you (or your compay) ad other iformatio that is readily available. This allows us to ask more precise questios ad maximizes your time with us. 2 Data Requests Our team seds a cosolidated memoradum of iformatio request that highlights areas where we eed more iformatio about you ad your family. This memoradum is ot geeric; it is tailored to you, based largely o our iitial discussios. Here are some sample data requests that illustrate the kid of detailed iformatio we may seek from you: What are your tax sesitivities re: compesatio, ivestmet icome ad your estate? Do you have equity compesatio arragemets with your compay, such as restricted stock grats, stock optios or restricted stock uits? If so, what are the grat dates, prices, expiry ad type? Are you subject to a isider tradig policy that may have black out periods? Do you have large purchase aspiratios that may require objective fiacial aalysis? For istace, purchasig a aircraft versus fractioal owership? 6

7 3 I-Perso Follow-up This is a opportuity for us to explai how we uderstad your data ad portfolio, ad to ope a itesive dialogue with you about your resposes to our iformatio request. It may require more tha oe meetig, but we believe it s time extremely well spet. You get a chace to see ad hear how we thik, observe our aalytical skills ad questio us o our prelimiary fidigs. Durig i-perso follow-ups, we clarify our impressios of what we ve heard, read ad absorbed from you. This allows us to map out possible strategies sets ad chart a iitial pathway to pursuig such goals. We discuss your feeligs about each goal, probability scearios, proposed risk metrics for portfolios we may desig for you ad other quatitative data we received from you. 4 Implemetatio of Selected Strategies We prepare a presetatio of suggested strategies for your assets ad develop supportig calculatios to assist you i reviewig your optios. After you select the ivestmet strategy that you feel best suits your risk profile, time horizo, liquidity eeds ad aspiratios, we guide you through a implemetatio protocol that icludes selectig asset maagers, reviewig due diligece otes o them ad refiig your strategic asset allocatio. O a periodic basis, we review your ivestmets ad apprise you of ay eed to adjust your holdigs or ay fresh opportuities for placemet of your ivestmet. 7

8 Meet The JBR Group Robert M. Jurkiewicz, CIMA, CRPC, CRPS SENIOR VICE PRESIDENT WEALTH MANAGEMENT WEALTH MANAGEMENT ADVISOR PORTFOLIO MANAGER, PIA PROGRAM SENIOR RESIDENT DIRECTOR, CHERRY CREEK Robert has bee with Merrill Lych sice Beyod his leadership role for The JBR Group, Robert maages the Merrill Lych office i Cherry Creek, Colorado, ad participates as chairma emeritus o a 12-member team of seior residet directors that advises Merrill Lych seior maagemet. Robert s multiple credetials iclude the Certified Ivestmet Maagemet Aalyst (CIMA ) desigatio, awarded by the Ivestmet Maagemet Cosultats Associatio (IMCA), ad the Chartered Retiremet Plaig Couselor SM (CRPC ) ad Chartered Retiremet Plas Specialist SM (CRPS ) desigatios. Robert graduated from Colorado College with a bachelor s degree i political ecoomy ad eared his MBA degree i fiace ad accoutig from the Uiversity of Chicago Booth School of Busiess. He spet a year i Kraków, Polad, where he taught ad atteded busiess courses at Jagelloia Uiversity. He ejoys playig golf ad is a member of the Cherry Creek Coutry Club. 8

i the public fiace space of the ivestmet bakig idustry i both St. Louis, Missouri, ad Housto, Texas.

9 Matthew M. Richeda, CAIA, CFP, CRPC SENIOR VICE PRESIDENT WEALTH MANAGEMENT WEALTH MANAGEMENT ADVISOR PORTFOLIO ADVISOR, PIA PROGRAM Matt joied Merrill Lych i the summer of 1996, after havig spet several years i the public fiace space of the ivestmet bakig idustry i both St. Louis, Missouri, ad Housto, Texas. His mai area of emphasis ceters o developig ad aalyzig wealth maagemet ad philathropic strategies customized to each cliet s specific situatio ad goals. He focuses o addig value to the strategy process with his experiece i detailed fiacial aalysis ad probabilistic forecastig via Merrill Lych s aalytics ad reportig tools. Matt holds the Chartered Alterative Ivestmet Aalyst (CAIA) desigatio, issued by the Chartered Alterative Ivestmet Aalyst Associatio. He assists qualified cliets i the developmet ad maagemet of allocatios that are desiged to address specific ivestmet goals. He is also a CERTIFIED FINANCIAL PLANNER TM certficat, a desigatio awarded by the Certified Fiacial Plaer Board of Stadards, Ic., ad also holds the desigatio of Chartered Retiremet Plaig Couselor SM (CRPC ), issued by the College for Fiacial Plaig. Matt graduated from the Uiversity of Colorado at Boulder Leeds College of Busiess with a bachelor s degree i marketig. He has voluteered as a metor to scholarship athletes at the Uiversity of Colorado ad has assisted them i fidig careers i the busiess world. He resides i Steamboat Sprigs, Colorado, with his wife ad two sos. Prior to becomig a paret, Matt was a ski racer ad ow ejoys watchig his sos compete i various alpie evets. To maitai fitess, Matt trais multisport ad has boxed with a four-time heavyweight title belt holder. Clelio Boccato FINANCIAL ADVISOR Clelio joied Merrill Lych i 2011 as a fiacial advisor to complemet The JBR Group s cliet-cetric focus ad offer strategic fiacial isights to costituets of creative idustries. Previously, Clelio was a project maager ad collaborator o such acclaimed films as Eri Brockovich, Traffic, Ocea s Eleve ad Ocea s Twelve. At The JBR Group, Clelio employs his extesive collaborative experiece to liaise with cliets ad their team of professioal advisors to defie ad implemet customized, goals-based wealth maagemet strategies. A Califoria ative, Clelio atteded Loyola High School of Los Ageles ad obtaied a bachelor s degree from the Uiversity of Califoria, Berkeley, where he was a football scholar-athlete. He also holds a MBA from the Uiversity of Souther Califoria s Marshall School of Busiess. Clelio, his wife, Lori, ad their childre, Giorgia ad James, reside i Dever. A family of food lovers, they ejoy culiary experimets ad diig advetures, as well as explorig their ew home state of Colorado. 9

Meet The JBR Group Kimberly S. Fox REGISTERED SENIOR CLIENT ASSOCIATE Kim started her career i the Merrill Lych Retiremet Services Group Call Ceter i 1997.

Kim views herself as a frot-lie service advocate who strives to provide what she describes as the ultimate service experiece that will delight ot just satisfy cliets.

10 Meet The JBR Group Kimberly S. Fox REGISTERED SENIOR CLIENT ASSOCIATE Kim started her career i the Merrill Lych Retiremet Services Group Call Ceter i She has held several cliet service positios sice, ad draws o this experiece to assist cliets ad her colleagues o The JBR Group with a rage of service issues ad cocers. Kim views herself as a frot-lie service advocate who strives to provide what she describes as the ultimate service experiece that will delight ot just satisfy cliets. Kim ad her husbad, Jay, live i Coifer, Colorado, with their daughter, Kira, ad baby so, Lucas. The family ejoys the moutaious outdoors ad are avid campers. Callie Show REGISTERED CLIENT ASSOCIATE Callie bega her career at Merrill Lych i She later joied The JBR Group i 2012 to complemet its cliet services team ad cotiue its traditio of providig the very best i cliet iteractio ad service. A graduate of the Uiversity of Alabama, cum laude with a bachelor s degree i fiace, Callie has pursued a fiacial career cosistig of bakig experiece with icreasig levels of resposibilities, icludig complete maagemet of all aspects of a large Alabama regioal bak s loa portfolio. After realizig that what she ejoyed most i her work was commuicatig directly with cliets, Callie moved from Alabama to Colorado i 2010 to pursue a lifestyle chage ad a career as a registered cliet associate at Merrill Lych. Callie lives with her husbad, Robert, ad their two affectioate dogs. Together they ejoy all that the Colorado outdoors has to offer. She is also a ardet Alabama football fa. Roll Tide Roll! 10

. Kimberly Fox ad Callie Show, Cliet Associates... o cliet satisfactio: Cliet satisfactio is our most prized accolade. We are truly rewarded whe a cliet says, Thak you for gettig this doe right.

11 . Kimberly Fox ad Callie Show, Cliet Associates... o cliet satisfactio: Cliet satisfactio is our most prized accolade. We are truly rewarded whe a cliet says, Thak you for gettig this doe right. Thak you for takig such good care of me. Our goal of servig cliets well begis with a cliet service team that is committed to demostratig that: they are reliable ad outstadig commuicators, they are team players ad have the right attitude, they are mature ad have uusual abilities to work with all kids of cliets, from those who have just a margial iterest i busiess to corporatio cousels, CFOs ad other C-suite executives. 11

12 Customized Approaches Case Study: Iitiatig a regulated tradig pla for IPO executives A Midwest-based compay that had just completed a IPO asked The JBR Group to help set up ad maitai Rule 10b5-1 sellig plas for seior executives ad other isiders. Our etire team, particularly the cliet service group, worked diligetly with the compay s iteral ad exteral legal cousels ad various areas withi Merrill Lych to write a custom pla documet addressig the compay s special requiremets. Oce this was approved, employees were required to file the sellig pla, specify particular tradig formulas ad authorize Merrill Lych to esure the executio ad settlemet of their trades. Our team opeed more tha 150 securities accouts atiowide, worked with the stock trasfer aget, created pla-trackig spreadsheet programs, coordiated with cousels to remove restrictive stock legeds ad worked with Merrill Lych tradig desks to esure that share lots were beig traded accurately. The firm also made required filigs with regulatory bodies. 12

13 Case Study: Estate plaig services A seior executive of a public compay sought our guidace i aalyzig ad developig ways to miimize the taxes o his ad his wife s joit estate that would be levied upo the secod of their deaths. Complicatig the task, the couple had already used up their uified tax credit o other estate plaig ad the cliet madated that ay strategy etail o sigificat cash expeses, icludig ay federal gift taxes. Our team recommeded the followig: Simultaeously create a 10-year grator retaied auity trust (GRAT), fuded with compay stock, ad a irrevocable life isurace trust, which would ow a secod-to-die life isurace policy ad be the ultimate beeficiary of the GRAT. The life policy would be seed-fuded with a asset-collateralized, floatigrate lie of credit. The remaiig premium paymets would be covered by the sale of the stock positio i the GRAT at its termiatio. This use of trusts, life isurace ad a secured ledig arragemet eabled us to abide by the cliet s madates. To structure this strategy, our team coordiated the efforts of the cliet s tax ad legal cousels ad researched umerous isurace carriers. Clelio Boccato, Fiacial Advisor... o affectig cliets lives: These case studies show the depth ad reach of the work we do for people. They are examples ot oly of our professioal skills ad techical kowledge of fiace, but also of how we strive to make a meaigful impact o the fiacial lives of cliets. 13

14 Our Commitmet to You Guidig Priciples We are committed to earig your trust. These are the Merrill Lych priciples that guide us i our work: CLIENT FOCUS RESPECT FOR THE INDIVIDUAL TEAMWORK RESPONSIBLE CITIZENSHIP INTEGRITY The JBR Group was amed to Natioal Associatio of Board Certified Advisory Practice s (NABCAP) list of Premier Advisors i September 2012* 14

. Workig Together We firmly believe that a customized, uified strategy is the premier method of attaiig fiacial freedom ad oe s life-archig goals.

15 . Workig Together We firmly believe that a customized, uified strategy is the premier method of attaiig fiacial freedom ad oe s life-archig goals. Furthermore, a shared commitmet to a disciplied, cooperative ad trustig relatioship is critical to such successes. Whe addressig what s importat to you ad your family, as well as the legacy you ited to establish, cosider these questios: How ca I establish a wealth maagemet strategy that fully realizes my itetios? What level of sophisticatio ad resources will I eed i order to meet my goals? What kid of philosophy, experiece ad commitmet am I lookig for i a professioal relatioship with a wealth maagemet advisory team? The JBR Group ca help you explore aswers to these questios. 15

16 Discover the power of a relatioship with us. The JBR Group Wealth Maagemet 200 Josephie Street, Suite 100, Dever, Colorado Robert Jurkiewicz Seior Vice Presidet Wealth Maagemet Wealth Maagemet Advisor robert_jurkiewicz@ml.com Matthew Richeda Seior Vice Presidet Wealth Maagemet Wealth Maagemet Advisor matthew_richeda@ml.com Clelio Boccato Fiacial Advisor clelio.boccato@ml.com Kimberly Fox Registered Seior Cliet Associate kimberly_fox@ml.com Callie Show Registered Cliet Associate callie.show@ml.com Ivestig ivolves risk. There is always the potetial of losig moey whe you ivest i securities. Asset allocatio ad diversificatio do ot esure a profit or protect agaist a loss i decliig markets. Some or all alterative ivestmets may ot be suitable for certai ivestors. Certai alterative ivestmets carry sigificat risk ad are ot subject to the same regulatory oversight as mutual fuds ad other traditioal ivestmets. For these reasos, access to alterative ivestmets may be limited to ivestors who are desigated as sophisticated, high-et-worth ivestors. All auity cotract or rider guaratees, or auity payout rates, are backed by the claims payig ability of the issuig isurace compay. They are ot backed by Merrill Lych or its affiliates, or do Merrill Lych or its affiliates make ay represetatios or guaratees regardig the claims-payig ability of the issuig isurace compay. All guaratees ad beefits of a isurace policy are backed by the claims-payig ability of the issuig isurace compay. They are ot backed by Merrill Lych or its affiliates, or do Merrill Lych or its affiliates make ay represetatios or guaratees regardig the claims-payig ability of the issuig isurace compay. Case studies are iteded to illustrate brokerage ad bakig products ad services available at Merrill Lych. You should ot cosider these as a edorsemet of Merrill Lych as a ivestmet advisor or as a testimoial about a cliet s experieces with us as a ivestmet advisor. Case Studies do ot ecessarily represet the experieces of other cliets, or do they idicate future performace. Ivestmet results may vary. The ivestmet strategies preseted are ot appropriate for every ivestor ad should be cosidered give a perso s ivestmet objectives, fiacial situatio ad particular eeds. Cliets should review with their Merrill Lych Fiacial Advisor the terms, coditios ad risks ivolved with specific products ad services. * O September 7, 2012, The Dever Busiess Joural published NABCAP s list of Premier Advisors. NABCAP, a 501(c)3 o-profit, assesses 20 categories of practice maagemet ad objectively compares ad evaluates all participats umerically. A miimum score must be attaied for a practice to be cosidered for the fial list, ad the wiers are the listed i alphabetical order. The list details Advisory practice credetials, specialties, Avg. size cliet ad size of practice. There is o cost for advisors to participate ad be cosidered for publicatio. Neither Merrill Lych or ay of its affiliates or fiacial advisors provide legal, tax or accoutig advice. You should cosult your legal ad/or tax advisors before makig ay fiacial decisios. L Merrill Lych Persoal Ivestmet Advisory ad the Bull Symbol are trademarks of Bak of America Corporatio. CFP ad CERTIFIED FINANCIAL PLANNER TM Certified Fiacial Plaer Board of Stadards, Ic. ows the certificatio marks CFP ad CERTIFIED FINANCIAL PLANNER TM i the U.S. Ivestmet Maagemet Cosultats Associatio (IMCA ) is the ower of the certificatio marks CIMA ad Certified Ivestmet Maagemet Aalyst. Use of CIMA or Certified Ivestmet Maagemet Aalyst sigifies that the user has successfully completed IMCA s iitial ad ogoig credetialig requiremets for ivestmet maagemet cosultats. CRPC ad Chartered Retiremet Plaig Couselor SM are registered service marks of the College for Fiacial Plaig. CRPS ad Chartered Retiremet Plas Specialist SM are registered service marks of the College for Fiacial Plaig Bak of America Corporatio. All rights reserved. AR4PFR7N 04/2015

Reach higher with all of US

Reach higher with all of US Reach higher with all of US No matter the edeavor, assemblig experieced people with the right tools ehaces your chaces for success. Whe it comes to reachig your fiacial goals,