Most families have good professionals handling different pieces—an investment advisor, a CPA, an estate attorney, a banker. What they rarely have is someone making sure all of those pieces work together. That's us.

We do it through the full platform of J.P. Morgan Wealth Management —one of the world's largest and most financially sound institutions— giving our clients access to investment management, banking and lending, estate planning, tax strategy, charitable giving, and cybersecurity under one roof. The scale of J.P. Morgan with the relationship of a dedicated team.

The Purpose Driven Investment Group is led by Christian Ach, an Executive Director and Wealth Advisor at J.P. Morgan. We work with approximately 75 families across the country—tech executives, business owners, multigenerational families—who have reached the point where coordination matters as much as the underlying investments. Our threeperson team brings over 100 years of combined experience and has worked together for 25 years. In several cases, we've known the same family long enough to work with more than one generation.

Every family we work with has a purpose for their wealth. Our job is to help them achieve it.

Working together with you

Who we serve
Our clients are individuals and families with wealth who want to positively impact the world. We don't have one "type" of client. We are open to chatting with anyone who fits the description above and enjoys working with our well-defined process. That said, here are some common themes in our client base.

• Bay Area parents who are tech and biotech executives or employees.
• Inheritors who want to direct their inheritance toward positive change.
• Multi-generational families with legacy wealth.
• People who hold concentrated positions of a stock, pre-and/or post-IPO.
• Strong, independent women who are head of household whether as part of a family or on their own

We start with getting to know you… not just your balance sheet. What were your parents like with money? What scares you? What gets you out of bed in the morning? What helps you sleep well at night?
As our name suggests, we want to know: What is your purpose? And how can we help achieve it?
Comprehensive planning—By addressing your entire financial picture, we can care for cash flow to fund your current lifestyle, investment strategies to prepare for your children's education/your retirement and offer guidance for trust & estate planning.
Asset management—Our team builds investment portfolios comprising a mix of asset classes based on your risk and return assumptions. We often combine equities for long-term growth and fixed income to generate current income. Fixed income is also used to help stabilize portfolios during periods of volatility in the marketplace.
Tax-advantaged investing—We seek to minimize taxes by:

• Holding investments in tax-deferred retirement accounts such as IRAs and 401(k) plans, and 529 plans for funding education;
• Selecting investments that are exempt from taxes, such as municipal bonds;
• Reducing portfolio turnover by utilizing Exchange Traded Funds (ETFs) to decrease capital gains taxes; and
• Harvesting tax losses to offset portfolio gains.

Alternative investments—These investments are defined as vehicles other than stocks, bonds and cash, and may be used to diversify portfolios, provide protection against losses and offer the opportunity to increase overall portfolio returns. Common types of alternative investments are hedge funds, private equity funds and commodities.
Hedging—This is a strategy that helps protect assets against the risk of a market drawdown. There are many ways to implement a hedging strategy, such as structuring derivative products.
Personal banking—We offer a suite of services to support your day-to-day money management needs, including checking, savings and more.
Lending—We deliver various types of lending strategies to support your personal and business needs, from sophisticated mortgages to short-term lines of credit.
Trusts and estates—Our team understands the need for structuring assets to protect your hard-earned legacy. We work alongside your advisors to understand and plan for the transfer of wealth to your heirs and execute your philanthropic wishes.
Retirement planning—We help you determine the income stream you will need to support your lifestyle when you are no longer working. We do so by developing an investment plan that supports your goals and establishing the proper accounts that allow your assets to grow on a tax-deferred basis.