Welcome

If you are a business owner, executive or athlete, you have many demands on your time. Between your professional obligations and your personal commitments, your wealth may not be receiving the attention it deserves.

That's where my team and I can help. We understand the complexities you face in building and preserving wealth for yourself and the people and causes you value. We're skilled in unwinding those issues, helping bring clarity and organization to the many moving parts of your finances.

If you lead a nonprofit organization, you may be seeking consistent investment income, tailored advice and streamlined service. My team and I can support those objectives. We offer strategies designed to help advance your mission, educate your board and staff, help reduce administrative hurdles and build out capacity.

We invite you to learn more about the ways we can help you address the challenges of your wealth while pursuing a more resilient financial framework—now and for decades to come.

Your needs are our priorities

Led by our team's Wealth Advisor, Ruben Torres, we offer access to expansive resources, personalized attention and institutional-caliber advice:

Business owners: Your business absorbs much of your time. We can help you manage your wealth, leading next-generation wealth transfer, taxsensitive investing, access to business and commercial banking and preliquidity-event planning. We understand the need to replicate your paycheck after a possible transfer or sale, and we work hard to provide you with that liquidity, drawing on Ruben's strong background in institutional investing and cash management.

Founders and corporate executives: As you navigate the intricacies of your compensation, from ISOs and RSUs to Rule 144, we can help you consider ways to optimize your income. We're skilled in managing concentrated and restricted stock, drawing on extensive experience. We offer integrated wealth planning designed for tax-sensitive investing and next-generation wealth transfer. We also facilitate meaningful introductions within the bank and beyond, connecting you to a robust network and expanding your professional circle.

Athletes: As a professional or collegiate athlete, you may experience lifechanging liquidity events over the course of your career. Our team can help you address those inflection points. Our firm, J.P. Morgan Wealth Management, is located throughout the U.S. Wherever you go, you can be confident in your ability to find banking, investing and wealth management services, tailored to your needs. We welcome the opportunity to work with your other advisors, including your agent, maintaining close collaboration. And as you approach the transition beyond professional sports, we're here to help smooth that pathway. We can connect you to specialists in tax-sensitive investing, business banking and trust and estate planning services, who can help you consider strategies for wealth preservation in the decades ahead.

Nonprofit organizations: Long-term stability is likely your highest priority. We understand that mission, and we cater to it by crafting an Investment Policy Statement that aligns with your values and your need for capital preservation. We meet regularly with your board and staff, enhancing their stewardship through consistent outreach and education. We also facilitate streamlined administrative services to reduce time-consuming tasks.

Our local network of Chase Community Managers is an on-the-ground resource who can work directly with your constituents to enhance their financial knowledge and empower sound decision-making. Ruben Torres, our team founder, is active with a number of nonprofits, including serving on the board of AFCEA International's New York Founder's Chapter.

Our principles

When you engage our advice, you gain a trusted team dedicated to helping you thrive—personally and professionally. Here are the ways we look to enhance your finances and nurture your ambitions:

• We align multiple facets of your financial life: planning, investing, banking and lending—all under a single roof, backed by the breadth, scale and renowned research of J.P. Morgan.
• We offer a forward-looking perspective. The financial world is always in motion. We meet that moment, bringing you our best ideas and helping you expand your opportunity set.
• We serve as an extension of your family. Your financial well-being is our paramount concern. Amid life's highs and lows, we serve as a reliable resource and empathetic partner.
• We integrate our network of specialists. From portfolio design to assistance with trust and estate planning, we bring together the right resources in the room to support your goals.
• We are your liaison to the entire bank. If you can think of a financial need, it's likely found at J.P. Morgan. If your needs extend beyond our walls, we'll scour our network on your behalf.
• We offer tangible, personable service. In an increasingly dehumanized world, we are the warm and welcoming presence that understands your needs and acts on your intentions.

We welcome the chance to speak with you.