Edward J. Fritz Oppenheimer & Co. Inc. -...

Edward J. FritzFinancial [email protected]

Oppenheimer & Co. Inc.18 Columbia TurnpikeFlorham Park, NJ 07732(973) 236-8403 Phone(866) 871-1634 Toll Free

An independent investment consulting relationship committed to helping people invest and preserve money wisely

Oppenheimer & Co. Inc. (“Oppenheimer”) is a leading full service investment firm with over

3,200 experienced professionals in major financial centers and local communities across the

United States, with Investment Banking and trading operations in the United Kingdom, Asia

and Israel. We provide a broad range of financial services catering to successful individuals,

families, corporate executives, businesses and institutions.

As your financial advisor, we strive to make sure your interests are never in conflict with

ours. Our independence provides us the freedom to offer objective advice. With access to a

full range of traditional and nontraditional products and services, we are committed to

developing a strategy that is in your best interest.

Overview

Capital Markets

Wealth Management Services Over 1,200 Financial Advisors located in 85 offices in major financial centers and local communities across the

United States

Committed to providing unbiased and independent advice on a broad range of traditional and nontraditional products and services to individuals, families, corporate executives, businesses and institutions

Oppenheimer Asset Management Inc.* Founded to help individual and institutional investors build customized investment plans based on strategic asset

allocation; supported by over 100 experienced professionals

Providing clients with customized professional money management through the Consulting Group, Oppenheimer Investment Advisers and the Alternative Investments Group of Oppenheimer Asset Management Inc.

Capital Markets Our Investment Banking group assists emerging growth and middle market companies raise the capital they require; our

Public Finance Department works closely with cities, states and public authorities to help develop efficient financing plans

Experienced equity research team with 40 senior analysts delivering independent and recognized research

Sales and trading teams with efficient order execution capabilities and superior client service

Oppenheimer Trust Company of Delaware* Established to help address the important issues of control and continuity of service, extending the substantial relationships

that high net worth clients and families have built over the years with the firm

Provides client with access to fiduciary services

* Please refer to the Important Information page.

Integrated Capabilities

Your Relationship

Your Relationship

Seasoned professionals Highly qualified and

knowledgeable A firm whose tradition goes back

over 130 years

Experience

Honesty and integrity Someone who listens and

understands Personal client service

Client Focused

Short lines of communications Ability to bring key people to

the table Results focused

Entrepreneurial

Objective advice and guidance Unbiased research Full spectrum of products

and services

Independent

What Can You Expect From Oppenheimer

It is our aim that clients understand their financial position, have confidence in their investment decisions and feel optimistic about their future.

Help in identifying current and anticipated needs

Develop a thorough understanding of your goals and objectives in order to determine what services may best meet your needs

Appreciation for the Whole Picture

Tailored Process

Ongoing Relationship

One-on-one personalized financial advice

Open communication; ability to connect you to the necessary professionals and specialists

Access

Work side-by-side with you to help clarify your goals and adjust your plans as your circumstances change

The highest levels of personal attention, service and trust

Customized relationship based on your unique financial situation and goals

Approach that begins and ends with your individual requirements

Client Service Commitment

A pioneer in the consulting industry, the Group provides clients with objective, third-party managed wrap fee-based programs, including two separate account programs and a mutual fund program

A dedicated due diligence committee analyzes and monitors the philosophy, track record and standard of service of every investment manager and mutual fund in these programs

OAM’s own highly regarded team of money managers; ideally suited for individuals, retirement plans, endowments, foundations and trusts looking for a risk-averse strategy for the core of their assets

OIA managers have an average tenure of 15 years in the investment management business specializing in single asset classes: large-cap value, small-cap growth, fixed income

Oppenheimer Investment Advisers (OIA)

The Consulting Group

Alternative Investments Group**

Oppenheimer Asset Management (OAM)* professionals work closely with individual and institutional investors and their Financial Advisors to build tailored investment strategies rooted in strategic asset allocation.

Over two decades of experience; qualified professionals with a combination of diverse backgrounds and skills

A disciplined process of evaluating, selecting and monitoring leading nontraditional managers; access to a variety of attractive investment structures, both US domestic and offshore

** Alternative investments such as Hedge Funds and Fund of Funds are made available only to qualified investors and involve various degrees of risk. Specific standards must be met before investing; generally; individual investors must have a net worth of $1.5 million and entities must have assets of at least $5 million to invest.

* Please refer to the Important Information page.

Oppenheimer Asset Management

Individuals Trustee Services

Estate Settlement

Guardianships

Conservatorships

Custody Services

Recordkeeping

Insurance Trusts

Oppenheimer Trust Company of Delaware delivers a comprehensive line of trust services and products to help meet the fiduciary needs of high net worth individuals and families, not-for-profit organizations and businesses.

Not-for-Profits Endowments

Foundations

Various Types of Charitable Trusts

Perpetuities

Custody Services

Recordkeeping/Reporting

Cash Management

Businesses Balance-sheet Cash Management

Recordkeeping/Reporting

Custody Services

Escrow Agent

DB/DC Plan Trustee

Oppenheimer Trust Company of Delaware

The professionals in Oppenheimer’s Capital Markets Group focus on serving the financing, trading and research needs of municipalities, institutions and emerging growth and middle market companies.

Equity Research 40 senior analysts, with core competencies in China, consumer and business services, energy, financial

institutions, industrials, healthcare, internet & telecommunications, and technology deliver concise, thought-provoking research on over 570 mid-cap and larger small-cap companies

Investment Banking Oppenheimer’s Investment Banking professionals are committed to providing strategic advisory services

and market solutions for emerging growth and mid-sized businesses. Our clients typically benefit from our industry expertise, product capabilities and extensive transaction experience. We pride ourselves on a tradition of client service that goes back more than a century and now spans the globe.

Public Finance Oppenheimer’s dedicated underwriting and marketing system helps issuer clients, including cities,

states, school districts, public authorities and private developers, structure publicly offered and privately placed bond issues in both tax-exempt and taxable markets

Sales and Trading Our Sales and Trading department of over 100 professionals supports clients with access to capital-

producing strategies and full-service execution in a broad range of debt and equity securities as well as derivative products

Oppenheimer Capital Markets

International Reach and Presence

Oppenheimer Financial Advisors serve their clients from 85 offices located in major cities and local communities throughout the United States along with Investment Banking operations in the United Kingdom, Asia and Israel.

ArizonaScottsdaleTucson

CaliforniaLos AngelesNewport BeachSan DiegoSan Francisco

ColoradoDenver*

ConnecticutCheshireDanburyLitchfieldSouthburyStamford

FloridaBoca RatonDelray BeachFort LauderdaleFort MyersLakelandMiamiPalm Beach GardensSarasotaTampa

GeorgiaAtlanta

IllinoisAltonChicago

KansasHutchinsonLeawoodTopekaWichita

MassachusettsBostonFall River

MichiganAnn ArborBirminghamEast LansingFrankenmuthGrand BlancGrand RapidsGrosse Pointe FarmsKalamazooPlymouthPort HuronSterling HeightsWyandotte

MinnesotaMinneapolis

MissouriChesterfieldJefferson CityKansas CitySpringfieldSt. Louis

New HampshirePortsmouth

New JerseyFlorham ParkPrincetonRed BankSaddle BrookSummit

New YorkHauppaugeJerichoMelvilleMid Hudson ValleyNew YorkWesthampton BeachWhite Plains

OhioBeachwoodCincinnatiColumbus

PennsylvaniaBethlehemBloomsburgDoylestownJenkintownMonroevillePhiladelphiaPottsvilleSewickley

Rhode IslandProvidence

TexasAustinDallasFort WorthHoustonKenedyThe Woodlands

WashingtonBellevueSeattle

Washington, D.C.

Asia***

United Kingdom**

Israel***

* Institutional Sales Office Only** Investment Banking Office Only*** Institutional Sales and Investment Banking Office

North CarolinaAshevilleGreensboroWinston-Salem

VirginiaRichmondViennaVirginia Beach

West VirginiaClarksburg

Oppenheimer Holdings Inc., our parent

company, provides us with a strong foundation

to build upon.

Please refer to the important disclosures at the end of this presentation

Financial Strength

Since 1881, Oppenheimer and its predecessor companies have been pioneers in the financial services industry

Our experienced professionals have performed innovative work in securities research and asset management

Acquisitions and growth have created a national presence with considerable resources

Oppenheimer professionals have earned the firm an excellent reputation among investors with their objectivity and integrity, and by being responsive to client needs and putting clients’ interests first

History of Tradition and Excellence

We offer a broad range of services designed to help individuals and families achieve their financial goals.

A focus on accumulating, protecting, preserving and transferring your wealth

We have the ability to bring together the right

team of professionals, each well-versed in their

investment disciplines, to help develop an integrated

investment strategy.

Portfolio Analysis

Personal Investment Policy

Asset Allocation

Investment Manager Recommendations

Portfolio Monitoring

Consolidated Reporting

Due Diligence

Wealth Planning

Planning Services*

Retirement Services

Trust Services**

Estate and Succession Strategies

Investment Consulting for Individuals and Families***

* If you select one or more of the advisory services (i.e.; Planning Services) offered by Oppenheimer & Co. Inc. or its affiliate Oppenheimer Asset Management Inc., we will be acting in an advisory capacity. If you ask us to effect securities transactions for you, we will be acting as a broker-dealer. Please see the Oppenheimer & Co. Inc. website www.opco.com or call the branch manager of the office that services your account, for further information regarding the differences between brokerage and advisory products and services.

** Trust services are provided by Oppenheimer Trust Company of Delaware.*** Consulting services provided by the Consulting Group of Oppenheimer Asset Management Inc. (OAM).

Wealth Management Services

Sophisticated recommendations designed to capitalize on financial opportunities and a simple and flexible process to help manage wealth

A relationship that is built on open communications, trust and integrity where the highest level of service and attention are priorities

Access to professionals and specialists who understand the complex nature of wealth and can implement suitable strategies and tactics to help manage it

Access to a broad array of traditional and specialized products and services that can help meet complex and evolving financial needs

Integrated Wealth Management Services

Develop anInvestment Profile

Build an Asset Allocation Strategy

3 IdentifyInvestment Managers

Monitor Progress4

1

2

You and your Financial Advisor begin the investment process with an assessment of your financial goals, objectives and tolerance for risk. Based on these inputs, an investment planis developed.

Once you have approved your investment plan, an asset allocation strategy is developed, blending sophisticated modeling techniques with a personal assessment of your circumstances.

To execute your asset allocation strategy, we offer access to a broad range of asset classes. From traditional to nontraditional strategies including discretionary separate accounts, mutual funds and alternative investments,*we can help you select appropriate investment vehicles to fulfill your strategy.

Once an investment plan is in place, we use a formal review process to help ensure that your plan is working toward the stated goals.

1. Information Gathering and Investment Profile

2. Asset Allocation Strategy

3. Investment Selection

4. Monitoring your Progress

* Alternative investments such as Hedge Funds and Fund of Funds are made available only to qualified investors and involve various degrees of risk. Specific standards must be met before investing; generally; individual investors must have a net worth of $1.5 million and entities must have assets of at least $5 million to invest.

Investment Process

Information Gathering and Investment Profile

Clearly define investment objectives

Establish investment guidelines

Outline criteria for screening managers

Establish monitoring and reporting procedures

You and your Financial Advisor begin the investment process with an assessment of your financial goals, objectives and tolerance for risk. Based on these inputs, an investment plan is developed.

Gather Appropriate Information Review and analyze

current investment activities/performance

Determine Objectives and Constraints

Develop an Investment Plan

Return: Need for income vs. growth

Time horizon

Risk tolerance

Tax and legal issues

Liquidity requirements

Other unique circumstances

Based on your investment plan, an asset allocation strategy is developed. Because individual asset classes that are in favor one year may be out of favor the next year, we believe proper diversification is critical.

Asset Allocation and Diversification

Ranking of Investment Categories from Best to Worst Over the Last 20 YearsReturn Std Dev

1996 1997 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 10y (ann.) 10y (ann)

Real Assets

US Equity US Equity EM Equity Real Assets

Event Driven

Non-US Bond

EM Equity EM Equity EM Equity EM Equity EM Equity Macro / CTA

EM Equity Real Assets

US Core Bond

EM Equity US Equity US Equity US Core Bond

US Equity EM Equity

29.6% 31.8% 24.1% 66.4% 29.7% 12.2% 22.0% 56.3% 26.0% 34.5% 32.6% 39.8% 14.1% 79.0% 22.4% 7.8% 18.6% 33.6% 12.6% 0.5% 7.4% 34.6%

Event Driven

Event Driven

Int'l Developed Equity


US Core Bond

US Core Bond

Real Assets



Real Assets



Non-US Bond

US HY Bond

EM Equity Non-US Bond



Macro / CTA

US Equity US HY Bond

Int'l Developed

Equity24.8% 21.2% 20.3% 27.3% 11.6% 8.4% 15.3% 39.2% 20.7% 15.3% 26.9% 11.6% 10.1% 57.5% 19.2% 5.2% 17.9% 23.3% 7.7% 0.5% 6.8% 21.2%

US EquityUS HY Bond

Non-US Bond

Event Driven

Macro / CTA

US HY Bond

Macro / CTA

Real Assets

Real Assets


Real Assets

Non-US Bond

US Core Bond


US EquityUS HY Bond US Equity

Event Driven

US Core Bond


Event Driven

US HY Bond

21.8% 13.3% 17.8% 24.3% 7.9% 4.5% 12.4% 31.6% 20.2% 14.0% 17.7% 11.5% 5.2% 32.5% 16.9% 4.4% 16.4% 12.5% 6.0% -0.4% 4.6% 20.0%

US HY Bond

Macro / CTA

US Core Bond US Equity

Event Driven

Macro / CTA


Event Driven

Event Driven US Equity

Macro / CTA

Event Driven US Equity

US HY Bond US Equity

US HY Bond

US HY Bond

Real Assets

Macro / CTA


11.3% 10.9% 8.7% 20.9% 6.7% 0.8% 10.3% 31.1% 15.0% 7.3% 15.7% 7.6% -21.8% 28.3% 15.2% 1.0% 15.6% 7.4% 3.1% -0.7% 4.5% 18.6%

Macro / CTA

US Core Bond

Macro / CTA

Real Assets

Non-US Bond

EM Equity US HY Bond

US HY Bond

Non-US Bond

US Equity Event Driven

US Core Bond

US HY Bond

Real Assets

Event Driven

Macro / CTA

Real Assets

Macro / CTA

US HY Bond

Event Driven

EM Equity Real Assets

9.1% 9.7% 7.0% 8.4% -2.6% -2.4% -1.9% 28.1% 12.1% 6.1% 15.3% 7.0% -26.4% 25.3% 11.9% -3.1% 9.3% -1.4% 2.5% -2.9% 3.9% 16.9%Int'l

Developed Equity

Real Assets

US HY Bond

US HY Bond

US HY Bond

Real Assets

Event Driven

Event Driven

US Equity US HY Bond

US HY Bond

Event Driven

Real Assets

Event Driven


Real Assets

Event Driven

US Core Bond

Event Driven

US HY Bond


Event Driven

6.4% 7.5% 3.0% 2.4% -5.1% -3.3% -4.3% 25.3% 11.9% 2.7% 11.8% 6.6% -34.8% 25.0% 8.2% -3.3% 8.9% -2.0% 1.7% -4.6% 3.5% 12.2%

EM EquityInt'l

Developed Equity

Event Driven

US Core Bond

US Equity Non-US Bond

EM Equity Non-US Bond

US HY Bond

US Core Bond

Non-US Bond

US Equity US Equity US Core Bond

Macro / CTA

Event Driven

US Core Bond

EM Equity EM Equity Non-US Bond

Macro / CTA

Non-US Bond

6.0% 2.1% 1.7% -0.8% -7.5% -3.5% -6.0% 18.5% 10.9% 2.4% 6.9% 5.1% -37.3% 5.9% 7.0% -3.3% 4.2% -2.3% -1.8% -4.8% 3.2% 5.5%

Non-US Bond

Non-US Bond

Real Assets

Macro / CTA


US EquityInt'l

Developed Equity

Macro / CTA

US Core Bond

Macro / CTA

US Core Bond

US HY Bond


Non-US Bond

US Core Bond


Non-US Bond

Real Assets

Non-US Bond

Real Assets

Non-US Bond

Macro / CTA

4.1% -4.3% -22.9% -1.2% -14.0% -11.5% -15.7% 8.7% 4.3% 1.7% 4.3% 2.2% -43.1% 4.4% 6.5% -11.7% 1.5% -3.0% -2.7% -10.9% 3.1% 5.3%

US Core Bond EM Equity EM Equity

Non-US Bond EM Equity


US EquityUS Core

BondMacro /

CTANon-US

BondMacro /

CTAReal

Assets EM EquityMacro /

CTANon-US

Bond EM EquityMacro /

CTANon-US

Bond


EM EquityReal

AssetsUS Core

Bond

3.6% -11.6% -25.3% -5.1% -30.6% -21.2% -21.5% 4.1% 3.3% -9.2% 3.5% -1.6% -53.2% -0.1% 5.2% -18.2% -1.7% -4.6% -4.5% -14.6% 0.9% 2.9%

Data Source: Zephyr. Monthly return data from 1/31/1990Represented Indices: Russell 3000 (US Equity); MSCI ACWI ex-US (Non-US Equity); MSCI EAFE (Int’l Developed Equity); MSCI Emerging Markets (EM Equity); Barclays Aggregate (US Core Bond); BofA ML High Yield Master II (US HY Bond); Citigroup WGBI non-USD (Non-US Bond); HFRX Event Driven (Event Driven); HFRX Macro/CTA (Macro/CTA); 50% FTSE NAREIT All Equity/50% Bloomberg Commodity (Real Assets)Past performance is no guarantee of future results. Indices are unmanaged, hypothetical portfolios of securities that are often used as a benchmark in evaluating the relative performance of a particular investment. An index should only be compared with a mandate that has a similar investment objective. An index is not available for direct investment, and does not reflect any of the costs associated with buying and selling individual securities or management fees.Index Definitions:Russell 3000 Index: Measures the performance of the largest 3,000 U.S. companies representing approximately 98% of the investable U.S. equity market.MSCI ACWI ex-USA Index: The MSCI ACWI ex USA Index is a free float‐adjusted market capitalization weighted index that is designed to measure the equity market performance of developed and emerging markets, excluding the United States.MSCI EAFE Index: The MSCI EAFE Index is recognized as the pre-eminent benchmark in the United States to measure international equity performance. It comprises the MSCI country indices that represent developed markets outside of North America: Europe, Australasia and the Far East.MSCI EM Index: The MSCI Emerging Markets Index captures large and mid cap representation across 23 Emerging Markets (EM) countries. The Barclays US Aggregate Bond Index is a broad-based flagship benchmark that measures the investment grade, US dollar-denominated, fixed-rate taxable bond market. The index includes Treasuries, government-related and corporate securities, MBS (agency fixed-rate and hybrid ARM pass-throughs), ABS and CMBS (agency and non-agency). 822 constituents, the index covers approximately 85% of the free float-adjusted market capitalization in each country.The Merrill Lynch High-Yield Bond Master II Index is an unmanaged index that tracks the performance of below-investment-grade, U.S.-dollar-denominated corporate bonds publicly issued in the U.S. domestic market.The Citigroup World Government Bond Index is a market capitalization weighted bond index consisting of the government bond markets of the multiple countries. The index measures the performance of government bonds issued by governments outside the U.S.The FTSE NAREIT US Real Estate Index is designed to present investors with a comprehensive family of REIT performance indexes that spans the commercial real estate space across the US economy. The Bloomberg Commodity Index (BCOM) is a broadly diversified commodity price index distributed by Bloomberg Indexes. The index was previously known as the Dow Jones-AIG Commodity Index (DJ-AIGCI), and Dow Jones-UBS Commodity Index (DJ-UBSCI). The index tracks prices of futures contracts on physical commodities on the commodity markets. The index is designed to minimize concentration in any one commodity or sector.Citigroup 3-Month Treasury Bill Index is an unmanaged index that tracks short-term U.S. government debt instruments.

Investments with low correlation can help reduce risk for the overall portfolio even though they may be highly volatile on their own.

Risk

Ret

urn

100% International Equity

100% US Equity Large Cap

65% US Equity Large Cap / 35% International Equity

Risk vs. Return

The benefit of diversification is that it may help an investor to reduce the portfolio’s overall volatility without necessarily reducing its expected return.

Source: Ibbotson Associates, Inc., for illustrative purposes only. The information and statistical data contained herein have been obtained from sources which we believe to be reliable, but in no way are warranted by us as to accuracy. Past performance is no guarantee of future results. Diversification does not guarantee a profit or protect against a loss.

Risk and Return

US Equity Small and Mid

CapUS Fixed Income

International Equity

US Equity Large Cap

When building a portfolio of complementary managers, each manager has a specific objective and style that, when combined, results in an overall portfolio that can help meet your needs.

Sample Allocation

* Alternative investments such as Hedge Funds and Fund of Funds are made available only to qualified investors and involve various degrees of risk. Specific standards must be met before investing; generally; individual investors must have a net worth of $1.5 million and entities must have assets of at least $5 million to invest.

To execute your asset allocation strategy, we offer access to a broad range of asset classes. From traditional to nontraditional strategies including discretionary separate accounts, mutual funds and alternative investments,*we can help you select appropriate investment vehicles to fulfill your strategy.

Investment Selection

Organization

Investment Process

Client Service

Performance

Oppenheimer’s proprietary due diligence process emphasizes objectivity and discipline, concentrating on four key elements:

Several investment managers will be identified for you based on your individual Investment Plan, Risk/Return profile and Portfolio preferences and restrictions.

Registered Investment Managers

Oppenheimer Asset Management * has screened thousands of

investment managers

Oppenheimer Asset Management

proprietary database (200+)

Chosen by Client(3+)

Manager search for Client (10+)

Note: Chart illustration is a sample

* Please refer to Important Information page.

Due Diligence and Manager Selection

Once an investment plan is in place, we use a formal review

process to help ensure that your plan is

working towards its stated goals.

Our review process includes:

Monitoring Your Progress

Adjustment for changes in your situation

Objective analysis

Review of your goals

Review of Investment Policy Statement

Quarterly performance measurement

Consolidated reporting

Edward J. Fritz

Edward J. FritzFinancial Advisor

Oppenheimer & Co. Inc.18 Columbia Turnpike

Florham Park, NJ 07732Phone: (973) 236-8403

Toll Free: (866) [email protected]

BiographyEdward Fritz joined Oppenheimer in June 2015. Ed is a wealth of knowledge in the financial services industry which spans 25 years of solid, hands-on credit expertise. Ed began his career in 1989 in research and trading in the fixed income division at Kidder Peabody & Co. He landed at Morgan Stanley in 1994, where he remained for 18 years moving quickly up the ranks, ultimately becoming a managing, senior salesman on the fixed income desk. As a top sales producer, Ed became an undeniable asset and solidified his reputation in Institutional Credit.

Ed’s expertise across multiple, complex credit products can be advantageous for potential investors, who want to preserve and grow their capital. Fixed income/credit products can provide a steady stream of income for retirement with minimal risk.

Ed’s sound business model is to serve as a trusted Financial Advisor to healthcare professionals, in both the medical and dental fields. His wife is a doctor so he knows firsthand the challenges of the medical industry. He is especially passionate about working directly with healthcare professionals ranging from solo, small practices to large medical organizations that cover both insurance services and group retirement.

Ed offers client-driven products that integrate customizable financial strategies based on individual client needs and total holdings. He also knows that life happens and a client’s circumstance can change in a moment’s notice and is with clients every step of the way. His goal is to help his clients better navigate through the sometimes tough economic waters and better prepare their investment future.

As a Financial Advisor, Ed strongly believes in focusing on asset allocation and integrated wealth management services. In creating thoughtful and individualized investment strategies, Ed makes use of his vast amount of Oppenheimer resources such as: the expertise of Portfolio Managers and the Company’s open-architecture product platform; research analysts as well as, the services of Oppenheimer Asset Management and the Financial Planning Group.

Ed earned a B.A. in history from the College of Staten Island. He is married, and he and his wife reside in Essex Fells, NJ with their five children.

Defining risk and return objectives

Asset allocation and diversification

Due diligence

Manager search and selection

Tools to help you with ongoing monitoring

Your Oppenheimer Financial Advisor acts

as your consultant, assisting in:

The Role of the Financial Advisor

Our planning services are designed to help you understand your current financial position, decide where you want to be at various times in the future and determine what you will need to get there.

We offer a range of retirement plan options designed to meet a variety of retirement needs. For individuals, we consult on the selection of an appropriate traditional or Roth IRA. For employers, our services include retirement plan design, administration and recordkeeping vendor search, investment selection, investment policy, performance monitoring, and employee communications.

We offer a comprehensive line of trust services and products that address two issues of great concern to high net worth individuals: control and continuity of service. By helping you, in collaboration with your legal advisor, establish a personal trust today, we look to help you grow and preserve your assets for the future.

Wealth Planning

Planning Services*

Retirement Services

Trust Services**

* If you select one or more of the advisory services (i.e.; Planning Services) offered by Oppenheimer & Co. Inc. or its affiliate Oppenheimer Asset Management Inc., we will be acting in an advisory capacity. If you ask us to effect securities transactions for you, we will be acting as a broker-dealer. Please see the Oppenheimer & Co. Inc. website www.opco.com or call the branch manager of the office that services your account, for further information regarding the differences between brokerage and advisory products and services.

** Trust services are provided by Oppenheimer Trust Company of Delaware.

Products and Services

Our consulting services include portfolio analysis, investment policy statement development, asset allocation and investment manager recommendations, as well as ongoing portfolio monitoring and consolidated performance reporting.

Through a disciplined due diligence process, we identify, recommend and help you select investment managers intended to fulfill an entire asset allocation or just a portion of your portfolio. As part of a separate account program, we monitor your investment managers to help ensure they continue to adhere to the investment strategies for which they were hired.

The Alternative Investments Group provides qualified investors access to nontraditional strategies. Alternative investments, when used as a complement to traditional holdings, may offer the potential to strengthen a portfolio while seeking to mitigate risk through diversification by means of an additional asset class.

Investment Consulting

Investment Consulting Services*

Separately Managed Accounts

Alternative Investments**

* Consulting services provided by the Consulting Group of Oppenheimer Asset Management Inc. (OAM).** Alternative investments such as Hedge Funds and Fund of Funds are made available only to qualified investors and involve various degrees of

risk. Specific standards must be met before investing; generally; individual investors must have a net worth of $1.5 million and entities must have assets of at least $5 million to invest.


Equity and fixed income securities are important components in a well-balanced investment portfolio. We can help you select appropriate equity and fixed income securities that may be suitable for your investment objectives, time horizon and risk tolerance.

Our objective and independent research can serve as a valuable tool in your investment decisions. Our research team aims to deliver timely, informative recommendations and opinions on the companies and industries that matter most to our clients.

For qualified investors, options are financial instruments designed to provide you with the flexibility needed for certain investment solutions. From conservative to speculative, our Financial Advisors will help you determine which options strategies may be suitable for your investment needs.

Research and Advisory Services

Equity and Fixed Income Securities

Equity Research

Options

Exchange Traded Funds (ETFs) are designed to provide exposure to a particular market segment or well-known established index. Based on your investment needs, we can help identify if or which ETFs may be appropriate for your portfolio.

Exchange Traded Funds


We provide our clients with access to major mutual fund families. Through an objective, consultative approach, we can help you identify the fund or funds that we believe are most likely to help you achieve your investment objectives.

Oppenheimer Life Agency, Ltd., a wholly owned subsidiary of Oppenheimer & Co. Inc., is able to offer a wide variety of quality products by maintaining relationships with more than 80 leading insurance companies. We can provide access to comprehensive solutions through our strategic alliances for your wealth transfer, advanced estate planning and business succession needs.

Mutual Funds, Insurance and Annuities

Mutual Funds

Insurance

Annuities If you have maximized your contributions to your retirement plans, such as a 401(k) or an IRA,

an annuity may be a suitable alternative. With no proprietary interest in any one product, we can assist you in the selection of an appropriate annuity based on your objectives and goals.


We are fully prepared to assist you in the sale of restricted or control stock in compliance with the applicable laws. If an outright sale is not appropriate, we have experience with a number of alternative strategies for accessing liquidity in restricted or control stock for qualified investors.

Many executives and other insiders of publicly traded corporations have their own net worth highly concentrated in company stock and employee stock options. By establishing a Rule 10b5-1 Trading Plan, we can help you to diversify your portfolio in an orderly and controlled fashion, even through insider black-out periods, at the prices and pace with which you are comfortable.

For clients who have a large position in a single stock, where an outright sale is not possible or desirable, we can help develop and implement strategies whose goal to diversify your portfolio while retaining control of the stock as well as any voting rights and dividend payments associated with it. Other strategies can help you protect the downside of the position with no out-of-pocket, upfront expense.

Corporate Executive Services

Restricted and Control Stock Strategies

Rule 10b5-1 Trading Plans

Hedging and Monetization Strategies


Our Financial Advisors draw on the professionals

of Oppenheimer Asset Management

to provide quality institutional investment

consulting and corporate executive services.

Portfolio Analysis

Investment Policy

Asset Allocation

Investment Manager Recommendations

Portfolio Monitoring

Consolidated Reporting

Due Diligence

We serve a broad range of foundations, endowments, pension fund and 401(k) plan administrators, business owners, corporate executives, family offices and financial institutions.

The ability to bridge the gap between personal financial services and corporate services

Retirement Plan Services

Employee Stock Option Plans

Employee Stock Purchase Plans

Buybacks

Deferred Compensation Plans

Rule 10b5-1 Trading Plans

Institutional Investment Consulting Services* Corporate Services

* Consulting services provided by the Consulting Group of Oppenheimer Asset Management Inc. (OAM).

Institutional Consulting and Corporate Services

Treating investments like a part-time job, not a business

Not having an asset allocation strategy

Letting emotions drive investment decisions

Trying to time the market

Using hindsight to make investment decisions

Over- or under-diversifying

Like any successful undertaking or endeavor, managing your wealth requires a well-thought-out plan that anticipates your needs and helps prepare you for the future.

Some common mistakes investors make:

Common Mistakes Investors Make

* Diversification does not guarantee a profit or protect against a loss.

Oppenheimer Financial Advisors have access to a full spectrum of traditional and non-traditional investment products and services to deliver an end-to-end financial strategy.

Tailored SolutionsTailored Solutions

Investment Consulting** Portfolio Analysis Investment Policy Asset Allocation Investment Recommendations Portfolio Monitoring Consolidated Reporting Due Diligence

Investment Consulting** Planning Services**** Retirement Services Trust Services* Estate and Succession Strategies

Wealth Planning

Retirement Plan Services Employee Stock

Option Plans Employee Stock

Purchase Plans Buybacks Deferred Compensation Plans

Corporate Services

Sales of Restricted andControl Stock StrategiesRule 10b5-1 Trading PlansHedging and Monetization StrategiesOptions

Specialized Products Sales of Restricted and

Control Stock Strategies Rule 10b5-1 Trading Plans Hedging and Monetization

Strategies

Specialized Services

Mutual Funds Separate Account Management Hedge Funds*** Fund of Hedge Funds*** Exchange Traded Funds Insurance and Annuities Equity and Fixed Income Securities Options

Investment Products

* Trust services are provided by Oppenheimer Trust Company of Delaware.** Consulting services provided by the Consulting Group of Oppenheimer Asset Management Inc. (OAM).

*** Alternative investments such as Hedge Funds and Fund of Funds are made available only to qualified investors and involve various degrees of risk. Specific standards must be met before investing; generally; individual investors must have a net worth of $1.5 million and entities must have assets of at least $5 million to invest.

**** If you select one or more of the advisory services (i.e.; Planning Services) offered by Oppenheimer & Co. Inc. or its affiliate Oppenheimer Asset Management Inc., we will be acting in an advisory capacity. If you ask us to effect securities transactions for you, we will be acting as a broker-dealer. Please see the Oppenheimer & Co. Inc. website www.opco.com or call the branch manager of the office that services your account, for further information regarding the differences between brokerage and advisory products and services.


Retirement Services

Save for Your Retirement Traditional IRA – for you, your spouse and your children

Roth IRA – for contributions and conversions

Rollover IRAs – don’t forget your 401(k) account

Plan for Your Retirement Retirement Reality Check – Oppenheimer has tools that can help you determine if you’re on track for a

comfortable retirement

Roth or Traditional? – we can help you to make this important decision, whether it’s your 401(k) or your IRA

IRA Consolidation – bring your IRAs under one roof for comprehensive oversight, fee reduction and simplification

Invest for Your Retirement Access to a wide variety of non-proprietary mutual funds, private investment managers and alternative

investments for qualified investors

This presentation is intended for informational purposes only and is subject to change without notice.

Oppenheimer Asset Management is the name under which Oppenheimer Asset Management Inc. (OAM) does business. OAM and the Oppenheimer Trust Company of Delaware are wholly owned subsidiaries of Oppenheimer Holdings Inc., which also wholly owns Oppenheimer & Co. Inc. (Oppenheimer), a registered broker/dealer and investment adviser. Securities are offered through Oppenheimer.

For further information about the products/programs available and their suitability for your portfolio, please contact your Oppenheimer Financial Advisor. Any discussion of securities, including any hedge funds or other alternative investments, should not be construed as a recommendation or an offer or solicitation to buy or sell interest in any such securities. Securities products offered or sold by Oppenheimer will not be endorsed or guaranteed by Oppenheimer and will be subject to investment risks, including the possible loss of principal invested. Alternative investments are made available only to qualified investors and involve varying degrees of risk.

Neither Oppenheimer, OAM, nor the Oppenheimer Trust Company of Delaware provide legal or tax advice. However, your Oppenheimer Financial Advisor will work with clients, their attorneys and their tax professionals to help ensure all of their needs are met and properly executed.

Portions of the financial information referred to herein are summaries excerpted from the financial statements of Oppenheimer Holdings Inc., a public company listed on the New York Stock Exchange, and reference should be made thereto. A complete copy of the audited financial statements of Oppenheimer Holdings Inc. may be obtained upon request.

© 2016 Oppenheimer & Co. Inc. Transacts Business on All Principal Exchanges and Member SIPC. All rights reserved. No part of this presentation may be reproduced in any manner without the written permission of Oppenheimer.

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