The Pritchett Group. Investment Products: Not FDIC Insured No Bank Guarantee May Lose Value

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1 The Pritchett Group Investment Products: Not FDIC Insured No Bank Guarantee May Lose Value

2 Our commitment to you Your success is our priority. Our Team strives to provide meaningful advice. We are dedicated to offering you and your entire family the ultimate client experience and earning your trust today, and for years to come.

3 Left to right: (standing) Jennifer Kennedy, Kathleen Bazaz, Michelle Rohrig (seated) Wesley Pritchett, Roland Pritchett, Matthew Stucke We are The Pritchett Group at J.P. Morgan Securities, the wealth management division of J.P. Morgan. With more than six decades of combined experience, we are well versed in the intricacies of managing our clients business and personal balance sheets. We pursue a symbiotic relationship between your accountant, trusted attorney and our Team, providing the cohesion and open dialogue needed to better ensure your financial needs are met. We are passionate about offering our clients independent judgment and ensuring exceptional service through our high-touch model. Our Team is structured to meet the needs of an exclusive clientele: entrepreneurial business owners, wealthy families, and their foundations.

4 Stewardship of your wealth We realize that every client wants to be heard and understood. They have a vision of their goals and what they want their wealth to accomplish. We strive to make this vision a reality. By working with a limited number of clients in a family office setting, we can focus on truly getting to know our clients and their families, gathering in-depth insights so that when we act, we do so with purpose, and with our clients best interests at the forefront. We strive to provide a disciplined investment process to understand your needs (both business and personal), and tailor our broad array of investment strategies to help you meet your goals. Additionally, Roland Pritchett and Matthew Stucke, of The Pritchett Group, jointly manage three strategies that may utilize individual stocks for direct equity exposure, ETFs for tactical positioning in portfolios and undervalued bond holdings to seek active income within the J.P. Morgan Securities Portfolio Manager (PM) Program, a fee-based discretionary advisory program. This three-pillar approach empowers us to manage portfolios with continuity on a fluid and timely basis. We have removed third-party external manager fees. Our strategies seek to achieve long-term results by constructing portfolios that are not overdiversified and that have the potential to appreciate in a tax-efficient manner. We provide a superior client experience by dedicating our time and resources to a finite number of individuals and their families. Our clients are more than just an account number, and our team of professionals has a wealth of experience to help manage the individual needs of our clients. Our clients include: Corporate Executives and Entrepreneurs Hedge Fund and Portfolio Managers Physicians Private Equity Principals Retirees Sports and Entertainment Individuals Foundations We strive for excellence in all we do for you. We want you to win, however you personally define winning. 2 J.P. Morgan Securities

5 The intellectual capital and global resources of JPMorgan Chase & Co. combined for optimal results Working together to develop a financial blueprint Every successful endeavor begins with a wellthought-out and disciplined plan. We begin our relationship with our clients by developing a comprehensive profile in order to understand their current financial situation and gain insights into their financial goals. We then prepare a consolidated balance sheet, incorporating all assets and liabilities, and we may review trust and estate arrangements, historic tax data and insurance policies. Our goal is to gain a comprehensive picture of our clients financial lives to create a financial blueprint that will serve as the foundation for a customized investment strategy. When appropriate, we also work with clients accountants and attorneys to ensure we are gaining the most comprehensive picture. 1 Investment Management Proprietary and third-party investment strategies Opportunistic themes and ideas Alternative investments Concentrated stock and options management Wealth and Estate Planning Retirement planning Employee stock options Education funding Wealth transfer strategies Trusts Philanthropic giving Banking and Lending Cash management Securities based lending Letters of credit Specialized lending Mortgages Credit cards 1 JPMorgan Chase & Co. and its subsidiaries do not render accounting, legal or tax advice. Estate planning requires legal assistance. You should consult with your independent advisors concerning such matters. Investment advisory and brokerage services are offered by J.P. Morgan Securities LLC, member FINRA and SIPC. Banking products and services are offered by JPMorgan Chase Bank, N.A., member FDIC. The Pritchett Group 3

6 From our perspective, truly customized portfolio management is a lost art. Our investment strategy strikes a balance between performance, risk and volatility. More than this, our approach allows us to remain fluid and provide our clients with transparency, continuity and consistency. Wealth transfer strategies An effective wealth transfer strategy balances financial and tax considerations with an individual s values and desired legacy. The Pritchett Group and the wealth management specialists at J.P. Morgan Securities can work closely with you and your tax and legal advisors. Setting wealth transfer goals We start by helping you clarify your objectives from helping you decide how to transfer assets to your heirs to determining the appropriate way to fulfill your philanthropic goals. Finding an appropriate strategy Depending on your financial situation and long-term goals, there is a range of strategies to choose from. For example, we may recommend freezing the value of your assets, discounting their taxable value or transferring future appreciation to beneficiaries. Similarly, you may wish to explore ways to leverage your gifts, through the use of a family partnership or by using discounted assets, to help meet your goals. Retirement planning Whether your plans are to travel the world, start a business, launch a charitable foundation, or another endeavor, we can help you have the retirement you envision. We work with you to determine the most effective way to allocate your assets according to your specific time horizon and tolerance for risk, selecting among our broad array of investment choices to tailor a portfolio geared to your retirement goals. In each key area of wealth management investments, corporate financing, liquidity and credit management, and tax and estate planning strategies we have the experience and knowledge needed to help manage the complexities of significant wealth. 4 J.P. Morgan Securities

7 Concentrated stock and options management The net worth of corporate executives and others who have sizeable stock or options holdings in a single company is often highly dependent on the value of that single investment. At the same time, as corporate insiders, they may face potential regulatory and contractual restrictions that could make it difficult to diversify effectively. Moreover, these holdings are often subject to significant tax liabilities. We can work with you to hedge singlestock risk, diversify within parameters acceptable to you and your company, and help you minimize tax implications. Planning for restricted and control stock Hedging and monetization strategies Rule 10b5-1 sales plans Form 144 filings for corporate insiders Lending solutions Successful wealth management requires attention to both sides of your balance sheet: liabilities as well as assets. We can help you meet your liquidity needs without disturbing a longer-term investment strategy to pursue new investment opportunities or meet business or personal financial goals. We will also seek to understand your financial goals and make recommendations based on how financing may enhance your overall financial picture with: Cash management strategies Margin and non-purpose lending 2 Customized credit solutions: for example, standby letters of credit and commercial letters of credit Managing stock options Diversification strategies to optimize value of employee stock options Option exercise and share liquidation Cashless transactions Home Financing Residential mortgages Refinancing Home equity lines of credit Liquidity Solutions Margin lending Non-purpose loans Revolving and term credit facilities Tailored Credit Solutions Letters of credit Fixed rate loans Foreign currency loans Aircraft financing JPMorgan Chase Bank, N.A. Member FDIC 2 Borrowing with securities as collateral involves certain risks, including the possibility that you may need to deposit additional securities and/or cash in the account to meet a maintenance call and that securities in the account may be sold to meet the maintenance call. Proper management of your account and a thorough understanding of the conditions that may affect your investments will assist you in effectively using the margin lending program. The Pritchett Group 5

8 Cash management, personal and business banking A J.P. Morgan banking relationship allows you to benefit from integrated solutions and exceptional service across your financial picture. From everyday transactions, such as paying bills or making deposits, to ensuring daily cash management and liquidity needs are met, J.P. Morgan s flexible deposit solutions are designed to meet clients individual needs: Tailored checking and savings accounts Cash management account linked to your brokerage account Business banking solutions that help you manage your business accounts and cashflow online Dedicated banking service team The dedicated banking service team works with each client to seamlessly handle your banking requests. In addition, deposits are always backed by the strength and stability of J.P. Morgan s fortress balance sheet. Your funds are also protected by the Federal Deposit Insurance Corporation (FDIC), up to the allowable limits. Personalized access Our online and mobile capabilities coupled with an extensive branch and ATM network make it easy to access your accounts, on your terms. J.P. Morgan Online SM One login for your personal and business banking, investment and credit accounts View accounts real-time, subscribe to alerts, schedule one-time or recurring payments, and transfer money between accounts Ability to provide full or limited visibility and functionality to others J.P. Morgan Mobile SM The J.P. Morgan App has been ranked #1 in functionality and ease of use 3 Secure mobile technology lets you manage your accounts from a smart phone or tablet Get account information, manage accounts, pay bills, send wires and deposit checks on the go Convenient locations No ATM fees globally; automatic refund of other banks ATM fees. 4 Access cash at any of the 5,600+ Chase branches and 19,000+ ATMs in the United States Priority service at Chase branches when you notify your client service team in advance J.P. Morgan Online J.P. Morgan Mobile 3 Keynote Systems, Inc., 1Q Other fees may apply. Banking products and services offered by JPMorgan Chase Bank, N.A., member FDIC. 6 J.P. Morgan Securities

9 Our Team

10 An exceptional client experience One of the most important elements in managing your wealth is working with a team of professionals that delivers a first-class client experience and has a deep understanding of your wealth management goals for yourself and your business. Drawing on more than six decades of combined experience, we provide a highly personalized approach to our client relationships. This, along with access to world-class products and services offered through the global financial resources of J.P. Morgan one of the world s oldest, largest and best-known financial institutions makes us an invaluable partner as you pursue your financial goals. We invite you to explore the benefits of a relationship with us. 8 J.P. Morgan Securities

11 Roland Pritchett Managing Director Roland Pritchett is a Managing Director and a Financial Advisor with J.P. Morgan Securities, the wealth management division of J.P. Morgan. He serves as the primary relationship manager for The Pritchett Group s clients, relying on his experience in fixed income to guide him as he constructs portfolios and provides tactical asset allocation guidance to clients on their investible assets, reflecting either changing market conditions or their personal situation. He employs the firm s breadth of resources, including lending capabilities, investment and commercial banking, and tailored money management strategies to help his clients meet their goals. Roland s 22 years of industry experience span periods of extreme volatility, from which he developed a disciplined process to help assess his clients risk parameters and position their portfolios to navigate inevitable market fluctuations. He and his team differentiate themselves by providing a personalized experience and investment philosophy. Each team member is committed to providing clients with exceptional service. Beginning his career at Kidder Peabody (now UBS) from , Roland moved to Prudential Securities fixed income sales and trading from He then moved to the private wealth management (PWM) business and helped open the first Morgan Stanley PWM office in Atlanta in He remained there until 2005, when he returned to UBS ( ), where he became a Managing Director and was a member of the Chairman s Council for six years. Listed in Barron s Top 1,000 Financial Advisors for four consecutive years ( ), Roland has ranked in the top two percent each year. 5 He was included in Atlanta s Men to Watch in the 2010 edition of The Piedmont Review. He joined J.P. Morgan Securities in Roland grew up in Sandy Springs, Georgia, and found his interest in finance sparked at an early age, as he watched his father s experience as an investment advisor. He played football at Boston College, graduating with both B.S. and M.S. degrees in Finance. He now lives in Atlanta, and in his spare time enjoys skiing, boating, philanthropy and spending time with his two daughters at the family vacation home on Oconee Lake. Wesley Pritchett Executive Director wes.pritchett@jpmorgan.com Wes Pritchett is an Executive Director and Financial Advisor with J.P. Morgan Securities, the wealth management division of J.P. Morgan. Wes draws upon his institutional fixed income background as the cornerstone for creating and customizing individual client strategies. Wes has helped institutional fixed income portfolio managers running $100 million to $25 billion 5 The rankings are based on data provided by over 4,000 of the nation s most productive advisors. Factors included in the rankings: assets under management, revenue produced for the firm, regulatory record, quality of practice and philanthropic work. Investment performance isn t an explicit component because not all advisors have audited results and because performance figures are often influenced more by clients risk tolerance than by an advisor s investment-picking abilities. The Pritchett Group 9

12 manage their credit and interest rate exposure for over 20 years. His industry experience and athletic background guided him as he developed his disciplined process, which helps him to assess his clients risk tolerance and design portfolios to help navigate market fluctuations. Wes and his team, The Pritchett Group, work closely with clients to assess their needs, time horizon and risk tolerance in developing an individualized plan. Wes process includes developing an in-depth client profile, measuring risk tolerance and designing a tactical approach to help clients meet their objectives. Wes considers J.P. Morgan s widerange of services and thought leadership important resources for helping his clients pursue their goals. Recruited to play football at Notre Dame, where he earned a B.A. in Economics, Wes has met two U.S. Presidents, was an All-American, and the leading tackler on the 1988 National Championship team. A sixth-round NFL draft choice for the Miami Dolphins, he subsequently played for the Buffalo Bills and the Atlanta Falcons. He credits the values of teamwork and discipline learned through sports, coupled with his solid economics grounding, as vital components in the success he enjoys with clients. Wes began his financial services career for Kidder Peabody and PaineWebber from He joined J.P. Morgan Securities predecessor firm, Bear Stearns, in 2000, and then opened the office for Countrywide Securities in He started 12th Street Capital in 2009, sold the company to GFI Securities a year later, and worked at Angel Oak Capital Partners from He joined J.P. Morgan Securities in October He is an Atlanta native and attended Westminster Schools. In his spare time, Wes likes to travel, ski, fish, boat and read history. Matthew Stucke Vice President matthew.stucke@jpmorgan.com Matt Stucke is a Vice President and Financial Advisor with J.P. Morgan Securities, the wealth management division of J.P. Morgan. As part of The Pritchett Group, Matt provides portfolio management, succession planning, corporate benefit plans, and trust and estate planning strategies. He forges relationships with his clients attorneys, accountants and other advisors to ensure coordination of all aspects of the wealth management process. Matt has over 11 years of financial services experience, being drawn to the business because he liked working with people and facilitating strategies for their wealth and investment management needs. He considers J.P. Morgan s array of resources and investment services to be vital components of the relationships he has 10 J.P. Morgan Securities

13 with his clients. Matt approaches each client relationship from a financial planning perspective, incorporating business, personal and estate issues into the mix. He is committed to delivering premium service, consisting of regular contact, quarterly reviews and personal meetings. Matt began his investment management career at Edward Jones ( ), moving to Wells Fargo Investments ( ) and then to UBS Private Wealth Management ( ). He joined J.P. Morgan Securities in his current capacity in 2013, continuing his passion for connecting the dots for clients and relationships. A native of Seattle, Matt won a soccer scholarship to the University of Mary in North Dakota, graduating with a B.S. degree in Business Administration. He currently sits on the Children s Hospital Sports Network Board (2014 present). He, his wife and their daughters live in Milton, a suburb of Atlanta, where he enjoys golf, travel and spending time with his family. Kathleen Bazaz Investment Associate kathleen.bazaz@jpmorgan.com Kathleen Bazaz is an Investment Associate with J.P. Morgan Securities, the wealth management division of J.P. Morgan. She collaborates with her team members in a consultative role to implement the wealth management process through researching, synthesizing and summarizing large volumes of financial information. Kathleen works with The Pritchett Group to provide analysis that informs the Group s recommendations regarding clients specific investment goals. Kathleen was initially drawn to the financial services industry after watching her parents advance their own careers in corporate banking. Her personal knowledge of the challenges of early onset Alzheimer s disease has led her to a passion in providing wealth management strategies that prepare families for the unexpected. She has spent the last five years advising family-owned businesses with their corporate and personal financial needs. Beginning her career at UBS Wealth Management, where she worked from , Kathleen has worked with both family and institutional clients. Her experience is in developing personalized wealth management strategies for individuals and families. Kathleen also earned the Chartered Retirement Plans Specialist designation from the College for Financial Planning. With this designation, Kathleen was able to provide consulting services and fiduciary responsibility initiatives to qualified retirement plan sponsors. In addition to her CRPS, Kathleen holds Series 7 and 66 licenses. Kathleen earned a B.A. degree in Business Economics and Finance from Wofford College. She grew up and now resides in Atlanta. Kathleen currently volunteers for the Alzheimer s Disease Research Center at Emory University. She also chairs the Wofford Invitational in Atlanta, which funds an endowed scholarship for Wofford student athletes. The Pritchett Group 11

14 Michelle Rohrig Client Associate Michelle Rohrig is a Client Associate with J.P. Morgan Securities, the wealth management division of J.P. Morgan. She manages a range of client services for The Pritchett Group, including performing account and market analysis, constructing portfolios, arranging lending facilities and handling client requests. Michelle initially gained exposure to the financial services industry through her family s real estate business. After college, she worked on the mortgage side before moving into investments. Her trustworthy nature and desire to provide a high level of service ensure that the Team s clients experience an exceptional level of customer satisfaction. Michelle began her career at Wells Fargo Bank ( ) and moved to Wells Fargo Advisors in She joined SunTrust Investment Services ( ) and then moved to UBS Financial Services, Inc. ( ), where she joined The Pritchett Group. She transitioned with them to her current role at J.P. Morgan in A University of Central Florida graduate, Michelle earned a B.S. degree in Finance. She grew up in Cape May, New Jersey, and now lives in the Buckhead area of Atlanta with her husband, Matthew, daughter, Presley, and pug, Tank. In her spare time, she enjoys traveling with her family. 12 J.P. Morgan Securities

15 J.P. Morgan Securities LLC (JPMS) provides clients with investment advisory and brokerage services. In providing such services, employees may act as investment advisory and registered representatives of JPMS under its registration as an Investment Advisor and Broker-Dealer. Certain other services described in this brochure may be provided by affiliates of JPMS. When JPMS provides brokerage services, a client s relationship with us and our duties to the client will be different in some important ways from when we are providing investment advisory services. JPMS is a member of FINRA and SIPC. Investing in fixed income products is subject to certain risks, including: interest rates, credit, inflation, call, prepayment and reinvestment risk. Banking products and services are offered by JPMorgan Chase Bank, N.A., member FDIC. For informational purposes only. This does not constitute a commitment to lend. All credit services are subject to credit approval. JPMorgan Chase & Co., its affiliates and employees do not provide tax, legal or accounting advice. This material has been prepared for informational purposes only, and is not intended to provide, and should not be relied on for tax legal or accounting advice. You should consult your own tax, legal and accounting advisors before engaging in any financial transaction. The investment strategies presented are not appropriate for every investor. Individual clients should review with their advisors the terms and conditions and risks involved with specific products or services. Information used herein is obtained from publicly available sources JPMS believes to be reliable, but is not guaranteed to be accurate or complete. Past performance may not represent future performance, and investors may lose some or all of their investments. Investment Products: Not FDIC Insured No Bank Guarantee May Lose Value 2016 JPMorgan Chase & Co. All rights reserved

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