Investment and Insurance Products: NOT FDIC Insured NO Bank Guarantee MAY Lose Value FWHWealthConsultingGroup.com Mission

We partner intelligently with our individual clients and their families to help them realize their best life. FWHWealthConsultingGroup.com Philosophy

We operate from four basic principles:

1 2 3 4

Our clients come first, The key to success The key to a successful We believe a team always is a plan relationship is client- approach delivers advisor collaboration better results and continuity FWHWealthConsultingGroup.com The Team

7 162 fully registered years of combined team members experience 6 29 advanced designations registrations

We focus on understanding both the fundamental and emotional needs of our clients to help them reach their life goals.

Left to right: Tisha Cummings, Julie Winn, Ethan Clark, Steve Frank, CFP®, Judy Hearn, CRPC®, Martin Wilhelmy, Jennifer Kuykendoll Our Qualifications FWHWealthConsultingGroup.com

We are a naturally diverse team with CFP® and CRPC® designations, as well as Private Investment Management certifications, fixed income expertise, studies in , engineering and holding several advanced degrees.

CFP® Designation CRPC® Designation Private Investment This designation is one of the The Chartered Retirement Planning Management® most recognized in the financial CounselorSM (CRPC®) designation The PIM program is a customized services industry. CFP® professionals helps financial advisors by guiding portfolio management program demonstrate extensive knowledge them through specialized tax and geared toward specific investment and skill in analyzing and developing estate objectives and strategies for goals. PIM Portfolio Managers personal, long-term financial a retiree and presents the unique actively manage your portfolio on an strategies for their clients. financial and emotional aspects of ongoing, discretionary basis using investment planning that are unique his or her individual investment to the retirement process. style.

Education Steve Frank, BA in Philosophy; Martin Wilhelmy, MBA and BS in Civil & Environmental Engineering; Judy Hearn, AA in Management Information Systems; Ethan Clark, BS in Finance; Jennifer Kuykendoll, BS in Education FWH Clients FWHWealthConsultingGroup.com

Our clients include retirees, professionals, business owners, executives and concerned investors like you. References gladly available upon request.

Hypothetical A professional wants A business owner needs A non-profit organization to continue to build his to design his company’s wants a socially Case Studies stock portfolio in various retirement plan. responsible investment industry sectors. portfolio. A single or widowed A couple retires and retiree needs to decide An executive mitigates desires laddered bonds on the beneficiaries of risk in concentrated stock for part of retirement her assets. positions in various types income strategy. of stock awards. Siblings inherit a family A mid career employee investment legacy A company founder sells changes jobs and wants portfolio. his business and wants to roll his retirement to invest the windfall in a savings. portfolio. Life Events – We Provide Advice FWHWealthConsultingGroup.com

Life is full of events that may impact your financial situation. Some events you look forward to and others you may not. What’s important is that you have a plan in place that our team will guide you through.

Education Purchase Retirement Sale of funding a home Critical Estate assets Inheritance investment illness Divorce

Critical Financial Events

Insurance Charitable Buy or sell Severance proceeds giving a business Court Loss Disability Parent/ award of a loved elder care one How do we partner with you?

1 Discover your needs and ascertain mutual fit

2 Apply our process – Plan, Implement, Monitor Envision® FWHWealthConsultingGroup.com

Planning

Our Envision planning process Revisit goals Define major is designed to help build your or priorities life goals investment portfolio around 8 1 your real-life goals, dreams, Set ideal and Monitor acceptable and needs. progress 2 7 goals The Envision Process Implement 6 3 Prioritize IMPORTANT: The projections or other information generated by the Envision tool regarding the likelihood of various investment outcomes allocation goals are hypothetical in nature, do not reflect actual investment results, and are not guarantees of future results. Results may vary with each use and over time. ENVISION METHODOLOGY: Based on accepted 5 4 statistical methods, the Envision tool uses a simulation model to test your ideal, acceptable, and recommended investment plans. The simulation model uses assumptions about inflation, financial market returns, and the relationships among these variables. These Recommend Stress test assumptions were derived from analysis of historical data. Using Monte Carlo simulation, the Envision tool simulates 1,000 different potential plan goals outcomes over a lifetime of investing varying historical risk, return, and correlation amongst the assets. Some of these scenarios will assume strong financial market returns, similar to the best periods of history for investors. Others will be similar to the worst periods in investing history. Most scenarios will fall somewhere in between. Spectrum of Investment Products FWHWealthConsultingGroup.com

Implementation

Retirement Alternative Account Plans Types Investments Equities 529 Advisory Annuities Products Derivatives

Range of Investment Solutions

ETPs/ Syndicate/ Insurance CEFs/UITs Mutual Funds Capital Fixed Markets IRAs Lending & Trusts Income Banking

Access to lending products and services through affiliates Insurance products are offered through nonbank insurance agency affiliates of Wells Fargo & Company and are underwritten by unaffiliated insurance companies. Trust services available through banking and trust affiliates in addition to non-affiliated companies of . Wells Fargo Advisors and its affiliates do not provide legal or tax advice. Any estate plan should be reviewed by an attorney who specializes in estate planning and is licensed to practice law in your state. FWH Portfolio Management FWHWealthConsultingGroup.com

Implementation Our Private Investment Management portfolio managers Steve Frank and Martin Wilhelmy will tailor discretionary portfolios of individual securities to meet your investment objective, and will always maintain reportable accountability.

FWH Growth FWH Global Balanced FWH Conservative Income Menu of Private Growth Investment FWH Global Growth FWH ETF Conservative Management FWH Balanced Total Growth FWH Core Equity Return portfolios FWH ETF Total Return FWH Global Moderate FWH Aggressive Income Balanced with following Growth objectives: FWH Balanced Income FWH Total Return Growth

The PIM program is not designed for excessively traded or inactive accounts, and may be not be suitable for all investors. Please carefully review the Wells Fargo Advisors advisory disclosure document for a full description of our services. The minimum size for this program is $50,000.

**The Premier Advisor distinction is held by a select group of Financial Advisors within Wells Fargo Advisors as measured by three or more of the following; length of service with the firm, completion of educational components, business production, and professionalism. Wells Fargo Advisors is not a legal or tax advisor Client Financial Reviews FWHWealthConsultingGroup.com

Monitoring Staying on Track $4.14M We work together to measure your $3.94M $3.74M progress and communicate with you to $3.54M help you stay on track. We believe this $3.34M $3.14M ongoing dialogue is what makes a real $2.94M difference in your financial life. $2.74M $2.54M $2.34M $2.14M Jan Jan Jan Jan Jan Jan 2017 201 2019 2020 2021 2022

Below Target Target one Above Target

Historical Investment Value

IMPORTANT: The projections or other information generated by the Envision tool regarding the likelihood of various investment outcomes are hypothetical in nature, do not reflect actual investment results, and are not guarantees of future results. Results may vary with each use and over time. ENVISION METHODOLOGY: Based on accepted statistical methods, the Envision tool uses a simulation model to test your ideal, acceptable, and recommended investment plans. The simulation model uses assumptions about inflation, financial market returns, and the relationships among these variables. These assumptions were derived from analysis of historical data. Using Monte Carlo simulation, the Envision tool simulates 1,000 different potential outcomes over a lifetime of investing varying historical risk, return, and correlation amongst the assets. Some of these scenarios will assume strong financial market returns, similar to the best periods of history for investors. Others will be similar to the worst periods in investing history. Most scenarios will fall somewhere in between. Why trust us?

1

We quantify our value for you using our process with on-demand Client Financial Reviews 2

We provide financial confidence as your trusted advisors 3

Your legacy will become our legacy Multi-Generational

Our team is set up to mirror and service our multi-generational client base. We are equipped to address your current needs as well as future goals. Biographies FWHWealthConsultingGroup.com

® Steve Frank, CFP [email protected] Senior Vice President – Investments

As a Premier Advisor,* Steve has been delivering personalized investment planning services for foundations, businesses and families for over thirty years and gained extensive experience throughout major shifts in the markets. Steve is a Senior PIM Portfolio Investment Manager,** responsible for designing and managing discretionary portfolios which are designed to help clients meet their unique financial goals through our Envision® planning process.

Additionally, Steve is a CERTIFIED FINANCIAL PLANNER™ professional (CFP®) who has earned the professional designation in 1994. Steve served as President of the local chapter of the Financial Planning Association, the professional association of Certified Financial Planners.

Steve began his career in 1985 as a Financial Advisor with Morgan Stanley Dean Witter. In 1996 he joined Securities, a predecessor firm of Wells Fargo Advisors.

Steve was elected President of the Estate Planning Council of Northern Kentucky in 2001. EPCNK is an organization of attorneys, CPAs, CFP® professionals, insurance professionals who have earned the Chartered Life Underwriter (CLU®) designation, and bank trust officers that help clients align their assets with their charitable and estate planning goals. Steve’s role is to discover planning opportunities and to work with clients in their interactions with respected professionals.

Steve’s family has resided in Northern Kentucky for six generations. He attended Covington Latin, then earned his BA in Philosophy at University of Louisville. He is committed to his community, having served on Covington City Commission from 2010 - 2016, the Gateway Community College Foundation Board, Covington’s Economic Development Authority, the Northern Kentucky Convention Center and the Metropolitan Club. Steve and his wife, Nancy, donate time and resources to the community, including Northern Kentucky University College of Informatics, Gateway Community College, Covington Latin, Rotary International and Cincinnati’s Center for Holocaust and Humanity Center. They are the proud grandparents of their son, Steven and his wife, Lela’s two children.

*The Premier Advisor distinction is held by a select group of Financial Advisors within Wells Fargo Advisors as measured by completion of educational components, business production and professionalism. Additional criteria, including length of service, may also be used to determine recipients. **The PIM program is not designed for excessively traded or inactive accounts, and may not be suitable for all investors. Please carefully review the Wells Fargo Advisors advisory disclosure document for a full description of our services. The minimum account size for this program is $50,000. Biographies FWHWealthConsultingGroup.com

Martin Wilhelmy [email protected] Senior Vice President – Investments

As a Private Investment Management Portfolio Manager* and Premier Advisor** at Wells Fargo Advisors since December 2018, Martin primarily manages clients’ assets with full discretion as part of the firm’s advisory program. In particular, he favors portfolios with individual stocks and bonds where clients can potentially benefit by direct ownership and greater tax efficiencies. He offers specialty products to complement clients’ strategies such as structured products. Fundamentally, he believes all financial advice is highly personal for helping clients realize their best life.

Before joining Wells Fargo Advisors, Martin spent eight years at UBS Financial Services as a portfolio manager actively managing equity portfolios and advising on estate and retirement planning. Prior to that he worked seven years at Fifth Third Securities customizing individual bond ladders for clients while at the same time also in the Fifth Third Private Bank trust department helping families with multi-generational wealth strategies.

Outside of his primary activities at Wells Fargo Advisors, Martin serves as the honorary consul of the Federal Republic of Germany in Cincinnati.

Martin earned his masters’ degree in business administration from INSEAD – Business School for the World in 2001 and his Bachelors of Science in Civil & Environmental Engineering from University of Cincinnati in 1996. He spent one year in 1992-93 on non-degree studies at Sophia University in Tokyo, Japan.

Martin lives in Hyde Park, an east-side neighborhood of Cincinnati with his wife, Dagmar, and and their four children, Victoria, Cecilia, Philip and Juliana. The children attend the University of Cincinnati’s Lindner College of Business Honors Plus program, the Summit Country Day School and the Good Shepherd Catholic Montessori School. The Wilhelmys are active parishioners at Old St. Mary’s Church and members of the Queen City Club. They like travel, languages, culinary adventures, and sports.

*The PIM program is not designed for excessively traded or inactive accounts, and may be not be suitable for all investors. Please carefully review the Wells Fargo Advisors advisory disclosure document for a full description of our services. The minimum size for this program is $50,000. **The Premier Advisor distinction is held by a select group of Financial Advisors within Wells Fargo Advisors as measured by three or more of the following; length of service with the firm, completion of educational components, business production, and professionalism. Wells Fargo Advisors is not a legal or tax advisor Biographies FWHWealthConsultingGroup.com

Judy Hearn, CRPC® [email protected] Associate Vice President – Investments

As a Premier Advisor,* Judy focuses on building long-term relationships based on trust, sound professional advice and superior client service. In the office, she helps our clients develop and implement tax-efficient strategies for retirement income needs and wealth preservation.

Judy attended University of Arizona in Tucson studying Management Information Systems. Her work experience of 40 years began in Cincinnati at Paine Webber (now UBS) where she was a licensed sales assistant supporting the Commodity Sales Department. From there she moved to Merrill Lynch’s Municipal Bond Department and focused on tax-exempt bond trading and sales. This experience and her work ethic were acknowledged by the managing partners of Seasongood & Mayer, an investment firm established in 1887 and domiciled in Cincinnati, who hired her to fill a position of sales and trading of municipal bonds for trust departments, bond funds and insurance companies throughout the United States. During her career of 24 years at Seasongood & Mayer, Judy obtained extensive knowledge on municipal credit markets and shortly after the firm was acquired by RBC Capital she made the move to Wells Fargo Advisors in 2009 to utilize that experience assisting high-net-worth individuals with their investments and bond portfolios.

A native of Southwest Ohio, Judy has two sons, Travis and Logan, who both currently live and work on the East Coast. Away from the office she enjoys sailing, reading, golf, pickleball, and the new challenge of training her Vizsla puppy, Cash.

Judy is a longtime member and two-time past Commodore of Cowan Lake Sailing Association and currently sits on the Board of Friends Caring for Cowan Lake State Park.

*The Premier Advisor distinction is held by a select group of Financial Advisors within Wells Fargo Advisors as measured by three or more of the following; length of service with the firm, completion of educational components, business production, and professionalism. Wells Fargo Advisors is not a legal or tax advisor Biographies FWHWealthConsultingGroup.com

Ethan Clark [email protected] Financial Advisor

As a Financial Advisor, Ethan specializes in working with families and business owners to develop financial and investment strategies that line up with their needs, goals and risk tolerance. Whether you are planning your retirement, saving for your children’s or grandchildren’s education, or looking to preserve your wealth, he can help. He is dedicated to helping clients meet and exceed their financial needs, and thoroughly enjoys working alongside clients to simplify complex information and make their lives easier.

Before entering the financial services industry, he graduated from Northern Kentucky University with a degree in finance. His previous work experience includes working with high-net-worth clients at Fidelity Investments and Citibank. Now as a Financial Advisor with The Frank Wilhelmy Hearn Wealth Consulting Group of Wells Fargo Advisors, he takes pride in working for a firm that puts you first.

Away from the office, he enjoys running, playing soccer, and spending time with family and friends. He is a huge fan of FC Cincinnati, as wells as the Reds, Bengals, and Bearcats! He lives in Fort Thomas with his wife, Whitney, and two young children, Finley and Oakley. Biographies FWHWealthConsultingGroup.com

Jennifer Kuykendoll [email protected] Financial Advisor

Jennifer is a dedicated Financial Advisor who focuses on helping her clients plan for retirement, saving for children’s or grandchildren’s education and offers investment advice for wealth preservation. She is originally from Toledo and graduated from Miami University with a Bachelor of Science degree.

In July of 2000 Jennifer began her career as a Registered Client Associate at Merrill Lynch in Cincinnati, where she developed her fundamental investment knowledge. She joined A.G. Edwards & Sons, a predecessor firm of Wells Fargo Advisors, in 2005 and in 2009 obtained her 9/10 licenses to join the Regional Management team as a Regional Business Liaison where she supported the Region’s business initiatives. Jennifer spends her free time with her husband Jim, a Supply Chain Manager, 9 year-old twins, Grant and Madeline, and two beagles. She enjoys being a part of the Hyde Park Community and volunteers as a soccer and basketball coach at St. Mary School. Jennifer enjoys running and is training to compete in upcoming marathons. Biographies FWHWealthConsultingGroup.com

Tisha Cummings [email protected] Senior Registered Client Associate

Tisha is a Senior Registered Client Associate who focuses on delivering concierge service to fulfill clients’ needs. She has vast knowledge of the financial industry ranging from administrative and operational duties to portfolio management and advisory experience. Tisha works with the team as a direct point of contact for clients with questions and issues, processing daily operational needs and performing necessary functions for accounts in our managed portfolio programs.

Tisha joined Wells Fargo Advisors with Martin Wilhelmy in December 2018 after working together at UBS Financial Services. The four years prior to joining UBS, Tisha worked as a Financial Advisor focusing her practice on female clients who were business owners, corporate executives, individuals and widows. Before starting her journey as an advisor Tisha spent nearly 10 years at Morgan Stanley working her way up from Client Service Associate to Portfolio Management Associate to Financial Advisor. She holds Series 7 and 66 registrations and life, health and disability insurances. She also studied International Business and Finance at Bradley University and The University of Cincinnati.

Tisha lives in Corryville with her husband, Johnny, son, Dre’Don, and their dog, Saigon. In her leisure time she enjoys traveling, reading, eating and visiting with friends and family. Tisha is a hometown fan and supports all local teams. Biographies FWHWealthConsultingGroup.com

Julie Winn [email protected] Senior Registered Client Associate

As a Senior Registered Client Associate, Julie takes pride in developing relationships with clients. She joined The Frank Wilhelmy Hearn Wealth Consulting Group in the summer of 2019. Her role with the team is to make sure that all operational items are done in an efficient and timely manner. She also takes pride in providing exceptional customer service.

Julie has been in the financial services industry for over 27 years. She started with A.G. Edwards in 1993 and continued through the mergers of and then Wells Fargo Advisors. Julie has received the Premier Client Associate award* for the last five years. This award recognizes the firm’s most distinguished client associates that deliver outstanding service.

Julie recently moved to Liberty Township from Denver, CO, with her husband, Greg, and daughter, Alexa. Away from the office she enjoys traveling, boating, camping and watching the Denver Broncos.

*The Premier Client Associate recognition is held by a select group of Registered Client Associates within Wells Fargo Advisors nominated by their management for their consistent display of professionalism, integrity and core leadership values. About Wells Fargo Advisors FWHWealthConsultingGroup.com

Our Firm Wells Fargo Advisors is a premier th financial services firm, serving 10 # Largest Public investors nationwide through nearly 1 Company in the World th Largest Workplace 2019, Forbes - Based on 6 14,000 Financial Advisors. Driven by sales, profits, assets, and Employee Giving market value in Total Assets a strong and abiding commitment Campaign in the U.S. for 2019, Fortune to service, the firm helps its clients the 10th Consecutive Year 2019, United Way Worldwide - # succeed financially with investment Based on 2018 donations 2 planning and advice for helping Most Generous Cash Wells Fargo Donor in the U.S. & Company has them achieve their life needs and 2018, The Cronicle of pledged to give more financial goals. As part of Wells Fargo Philanthropy than $1 million a day rd to 10,000 nonprofits in & Company, Wells Fargo Advisors 3 communities across in Total Deposits draws on extensive experience and America 2019, FDIC data products across the company to help 5th satisfy its clients’ financial needs. Most Profitable Company in the U.S.

2019, Fortune Finding Us FWHWealthConsultingGroup.com

First Financial Center

Local Phone: 513.412.5200

Email Address: [email protected]

Office Address: 255 E. 5th Street, Suite 1400 Cincinnati, OH 45202 Please be advised that any translated or foreign language communications within or attached to this communication are being provided as a service convenience. As stated in the terms and conditions of Wells Fargo Advisors “General Account Agreement and Disclosure Document” that governs your relationship and U.S. financial services account(s) with Wells Fargo Advisors, English will be the controlling language for your relationship and account(s) with Wells Fargo Advisors. Further, all Wells Fargo Advisors contracts, disclosures, account statements and confirmations, or other materials related to the operation of, or activity in, your account shall be exclusively in English. Consequently, to the extent that there is any discrepancy or conflict between any translation and the corresponding English document (if any), the English version shall be deemed correct and controlling. Wells Fargo Advisors is a trade name used by Wells Fargo Clearing Services, LLC and Wells Fargo Advisors Financial Network, LLC, Members SIPC, separate registered broker dealers and non bank affiliates of Wells Fargo & Company. First Clearing is a trade name used by Wells Fargo Clearing Services, LLC. © 2016 2019 Wells Fargo Clearing Services, LLC. All rights reserved. CAR 0720-03781 Please be advised that any translated or foreign language communications within or attached to this communication are being provided as a service convenience. As stated in the terms and conditions of Wells Fargo Advisors “General Account Agreement and Disclosure Document” that governs your relationship and U.S. financial services account(s) with Wells Fargo Advisors, English will be the controlling language for your relationship and account(s) with Wells Fargo Advisors. Further, all Wells Fargo Advisors contracts, disclosures, account statements and confirmations, or other materials related to the operation of, or activity in, your account shall be exclusively in English. Consequently, to the extent that there is any discrepancy or conflict between any translation and the corresponding English document (if any), the English version shall be deemed correct and controlling. Wells Fargo Advisors is a trade name used by Wells Fargo Clearing Services, LLC and Wells Fargo Advisors Financial Network, LLC, Members SIPC, separate registered broker dealers and non bank affiliates of Wells Fargo & Company. First Clearing is a trade name used by Wells Fargo Clearing Services, LLC. © 2016 2019 Wells Fargo Clearing Services, LLC. All rights reserved. CAR 0720-03781