Jmh Wealth Management, LLC

JMH Wealth Management, LLC Part 2A of Form ADV Brochure 45 Lyme Road, Suite 307 Hanover, NH 03755 www.jmhwealth.com Updated: May 1, 2026 This brochure provides information about the qualifications and business practices of JMH Wealth Management, LLC (“JMHW”). If you have any questions about the contents of this brochure, please contact us at 603-643-8899. The information in this brochure has not been approved or verified by the United States Securities and Exchange Commission or by any state securities authority. Additional information about JMH Wealth Management, LLC is also available on the SEC’s website at: www.adviserinfo.sec.gov. Registration does not imply a certain level of skill or training.  Item 2: Material Changes The material changes in this brochure from the last annual updating amendment 01/28/2026 of JMHW are described below. Material changes relate to JMHW's policies, practices or conflicts of interest. • JMHW updated its monthly contribution fee policy (Item 5). 2  Item 3: Table of Contents Item 2: Material Changes ................................................................................................................................ 2 Item 3: Table of Contents ............................................................................................................................... 3 Item 4: Advisory Business .............................................................................................................................. 4 Item 5: Fees and Compensation ...................................................................................................................... 5 Item 6: Performance Based Fees and Side-by-Side Management .................................................................. 5 Item 7: Types of Clients.................................................................................................................................. 6 Item 8: Methods of Analysis, Investment Strategies and Risk of Loss .......................................................... 6 Item 9: Disciplinary Information .................................................................................................................... 8 Item 10: Other Financial Industry Activities and Affiliations ........................................................................ 8 Item 11: Code of Ethics, Participation or Interest in Client Transactions and Personal Trading ................... 8 Item 12: Brokerage Practices .......................................................................................................................... 9 Item 13: Review of Accounts ....................................................................................................................... 10 Item 14: Client Referrals and Other Compensation ...................................................................................... 10 Item 15: Custody ........................................................................................................................................... 10 Item 16: Investment Discretion ..................................................................................................................... 10 Item 17: Voting Client Securities ................................................................................................................. 11 Item 18: Financial Information ..................................................................................................................... 11 Jeffrey M. Harris’ Biographical Information ................................................................................................ 13 Cole E. Harris’ Biographical Information .................................................................................................... 16 3  Item 4: Advisory Business JMH Wealth Management, LLC (hereinafter “JMHW”) is a Limited Liability Company organized in the State of New Hampshire. The firm was formed in December 2005, and the principal owner is Jeffrey Marc Harris, Managing Member/Chief Compliance Officer. JMHW primarily provides customized investment management services to high-net-worth individuals and associated trusts, estates, and other legal entities. JMHW includes financial planning within the asset management process when needed. There is no extra charge for this service. JMHW generally invests client assets in domestic and international stocks, bonds, no load mutual funds, and exchange traded funds (“ETFs”). JMHW works with each client to establish an appropriate investment profile. After a series of initial direct meetings and completion of multiple risk questionnaires, JMHW and each client set target asset allocation ranges. Clients can impose reasonable restrictions on JMHW’s management of their accounts. Written Acknowledgement of Fiduciary Status When we provide investment advice to you regarding your retirement plan account or individual retirement account, we are fiduciaries within the meaning of Title I of the Employee Retirement Income Security Act and/or the Internal Revenue Code, as applicable, which are laws governing retirement accounts. The way we make money creates some conflicts with your interests, so we operate under a special rule that requires us to act in your best interest and not put our interest ahead of yours. Under this special rule’s provisions, we must: • Meet a professional standard of care when making investment recommendations (give • • • • • prudent advice); Never put our financial interests ahead of yours when making recommendations (give loyal advice); Avoid misleading statements about conflicts of interest, fees, and investments; Follow policies and procedures designed to ensure that we give advice that is in your best interest; Charge no more than is reasonable for our services; and Give you basic information about conflicts of interest. JMHW does not participate in any wrap fee programs. JMHW was founded in 2006 and is owned by Jeffrey M. Harris. As of December 31, 2025, JMHW managed $124,093,289on a discretionary basis. 4  Item 5: Fees and Compensation JMHW charges most of its clients an annual investment management fee based on the following schedule: Assets under management First $1 Million Amounts in excess of $1 Million & up to $3 Million Amounts in excess of $3 Million & up to $5 Million Amounts in excess of $5 Million & up to $10 Million Amounts in excess of $10 Million Annual Fee 1.00% 0.75% 0.60% 0.50% 0.40% JMHW generally does not waive or negotiate lower fees. Employee accounts are generally not charged fees. JMHW charges fees monthly in arrears based on the account value at the end of the prior month. All clients authorize JMHW to deduct fees automatically from their brokerage accounts. If a client terminates the investment management agreement, JMHW will not invoice the client for that month. If a client has not received JMHW’s brochure documents at least 48 hours prior to signing an agreement, the client may cancel the agreement within five business days of signing the Client Contract, without penalty. Clients may terminate the agreement without penalty, for full refund of JMHW’s fees, within five business days of signing the Investment Advisory Contract. Thereafter, clients may terminate the Investment Management Contract upon written notice or with verbal notice confirmed in writing, and the Contract will be terminated the next business day. JMHW does not charge any management fee for the month in which JMHW has been notified of termination of the agreement. It is the policy of JMHW to charge fees for any monthly contributions on a pro rata basis based on the firm’s portfolio management software. In addition to JMHW’s investment management fees, clients bear trading costs and certain custodial administrative fees, e.g., wire transfer fees. To the extent that clients’ accounts are invested in no load mutual funds and/or exchange traded funds, these funds pay a separate layer of management, trading, and administrative expenses to the custodian, Fidelity Investments and/or the respective fund company. Neither JMHW nor its supervised persons accept any compensation for the sale of securities or other investment products, including asset-based sales charges or service fees from the sale of mutual funds. Item 6: Performance Based Fees and Side-by-Side Management JMHW does not charge any performance fees. Some investment advisers experience conflicts of interest in connection with the side-by-side management of accounts with different fee structures. However, these conflicts of interest are not applicable to JMHW. 5  Item 7: Types of Clients JMHW primarily provides customized investment management services to high-net-worth individuals and associated trusts, estates, other legal entities. JMHW’s minimum account size is generally $750,000, but this amount is negotiable. Item 8: Methods of Analysis, Investment Strategies and Risk of Loss Jeffrey M Harris conducts fundamental analysis on all securities recommended for client accounts. This analysis varies depending on the security in question. For stocks and bonds the analysis generally includes a review of: • The issuer’s management and financial statements; • The amount and volatility of past profits or losses; • The issuer’s assets and liabilities, as well as any material changes from historical norms; • Prospects for the issuer’s industry, as well as the issuer’s competitive position within that industry; and • Any other factors considered relevant. For mutual funds and ETFs the analysis generally includes a review of: • The fund’s management team; • The fund’s historical risk and return characteristics; • The fund’s exposure to sectors and individual issuers; • The fund’s fee structure; and • Any other factors considered relevant. Fundamental analysis involves the analysis of financial statements, the general financial health of companies, and/or the analysis of management or competitive advantages. Fundamental analysis concentrates on factors that determine a company’s value and expected future earnings. This strategy would normally encourage equity purchases in stocks that are undervalued or priced below their perceived value. The risk assumed is that the market will fail to reach expectations of perceived value. Jeffrey M Harris is JMHW’s Chief Investment Officer and is solely responsible for all investment decisions on client portfolios. Investments are evaluated independently, as well as in the context of clients’ existing holdings, sector exposures, asset allocation targets, and risk tolerance. JMHW primarily invests for relatively long-time horizons, often for a year or more. However, market developments could cause JMHW to sell securities more quickly. JMHW does not engage in short 6  selling or option writing. Equity investment generally refers to buying shares of stocks in return for receiving a future payment of dividends and capital gains if the value of the stock increases. The value of equity securities may fluctuate in response to specific situations for each company, industry market conditions and general economic environments. Fixed Income investments generally pay a return on a fixed schedule, though the amount of the payments can vary. This includes corporate and government debt securities, leveraged loans, high yield, and investment grade debt and structured products, such as mortgage and other asset-backed securities, although individual bonds may be the best known type of fixed income security. In general the fixed income market is volatile, and fixed income securities carry significant interest rate risk. (As interest rates rise, bond prices usually fall, and vice versa. This effect is usually more pronounced for longer-term securities.) Fixed income securities also carry inflation risk, liquidity risk, call risk and credit and default risks for both issuers and counterparties. The risk of default on treasury inflation protected/inflation linked bonds is dependent upon the U.S. Treasury defaulting, but these bonds still carry a risk of losing share price value. Risks of investing in foreign fixed income securities also include the general risks inherent in non-U.S. investing. Mutual Funds: Investing in mutual funds carries the risk of capital loss and thus you may lose money investing in mutual funds. All mutual funds have costs that lower investment returns. The funds can be of bond (fixed income) nature or stock (equity) nature, or a mix of multiple underlying security types. Exchange Traded Funds (ETFs): An ETF is an investment fund traded on stock exchanges, similar to stocks. Investing in ETFs carries the risk of capital loss (sometimes up to a 100% loss in the case of a stock holding bankruptcy). Areas of concern include the lack of transparency in products and increasing complexity, conflicts of interest and the possibility of inadequate regulatory compliance. Because ETFs use "authorized participants" (APs) as agents to facilitate creations or redemptions (primary market), there is a risk that an AP decides to no longer participate for a particular ETF; however, that risk is mitigated by the fact that other APs can step in to fill the vacancy of the withdrawing AP [an ETF typically has multiple APs] and ETF transactions predominantly take place in the secondary market without need for an AP. Like other liquid securities, ETF pricing changes throughout the trading day and there can be no guarantee that an ETF is purchased at the optimal time in terms of market movements. Moreover, due to market fluctuations, ETF brokerage costs, differing demand and characteristics of underlying securities, and other factors, the price of an ETF can be lower that the aggregate market price of its cash and component individual securities (net asset value – NAV). An ETF is subject to the same market risks as those of its underlying individual securities, and also has internal expenses that can lower investment returns. All investing involves a risk of loss. JMHW does not guarantee the future performance of the account or any specific level of performance, the success of any investment decision or strategy that JMHW may use, or the success of JMHW's overall management of the account. Client should understand that investment decisions made for client's account by JMHW are subject to various market, currency, economic, political and business risks, and that such investment decisions will not always be profitable. The price of securities can and will fluctuate, and any individual security may become valueless. 7  Item 9: Disciplinary Information JMHW and its employees have not been involved in any legal or disciplinary events in the past 10 years. Item 10: Other Financial Industry Activities and Affiliations JMHW and its employees do not have any relationships or arrangements with other financial services companies that pose material conflicts of interest. JMHW does not utilize nor select third party investment advisers. Item 11: Code of Ethics, Participation or Interest in Client Transactions and Personal Trading JMHW has adopted a written code of ethics that is applicable to all employees. Among other things, the code requires JMHW and its employees to act in clients’ best interests, abide by all applicable regulations, avoid even the appearance of insider trading, and pre-clear and report on many types of personal securities transactions. JMHW’s restrictions on personal securities trading apply to employees, as well as employees’ family members living in the same household. A copy of JMHW’s code of ethics is available upon request. Additionally, we adopt and embrace the CFA Institute’s Code of Ethics, Standards of Professional Conduct and Asset Manager Code of Professional Conduct in their entirety JMHW’s employees are generally permitted to trade alongside client accounts as long as they receive the average price that is applicable to clients and pay their share of any transaction costs. However, no employees are allowed to participate in partially filled orders until all clients’ orders have been filled. The Chief Compliance Officer monitors employee trading, relative to client trading, to ensure that employees do not engage in improper transactions. JMHW does not recommend that clients buy or sell any security in which JMHW or a related person has a material financial interest. JMHW maintains a watch list of securities that are being considered for client accounts, as well as securities already held in client accounts. Any proposed employee transaction involving securities on the watch list requires preclearance from the Chief Compliance Officer. The Chief Compliance Officer does not grant preclearance where it would appear that an employee’s trading could disadvantage JMHW’s clients. Under certain circumstances an employee might invest in a security that is not considered suitable for client accounts because of size, liquidity, or other factors. A change in these factors could result in the security becoming more suitable for clients, but the Chief Compliance Officer might not allow the security to be purchased for client accounts in order to avoid even the appearance of employees trading ahead of clients. In JMHW’s experience, it is rare for an employee’s personal trading to limit clients’ investment opportunities, but such a situation may arise from time to time. 8  Item 12: Brokerage Practices JMHW generally recommends that clients arrange for their assets to be held with Fidelity Investments (“Fidelity”). JMHW has managed client assets held at Fidelity for many years and has found Fidelity to offer good services at competitive prices. Soft Dollar Benefits JMHW has no soft dollar arrangements. As a result of Fidelity’s role as custodian, JMHW receives the following services: • The receipt of duplicate client confirmations, statements, and other account information; • Direct advisory fee debiting capabilities; • Access to an electronic network for order entry, including the simultaneous entry of trades on behalf of multiple client accounts; • A portfolio management system and software that supports JMHW’s research processes. Fidelity does not pay for JMHW employees’ travel and accommodation costs in connection with industry conferences. JMHW does not believe that clients whose accounts are held by Fidelity bear any additional costs in connection with JMHW’s receipt of the products and services. Furthermore, Fidelity provision of these products and services is not contingent upon JMHW formally committing any specific amount of business to Fidelity. However, JMHW would not receive these products and services if client accounts were not held in custody and traded by Fidelity. JMHW’s receipt of these products and services creates a conflict of interest in connection with JMHW’s recommendation of Fidelity. The Selection of Trading Counterparties JMHW can typically trade accounts held at Fidelity using other broker/dealers. Fidelity does not charge clients trade-away fees. JMHW requires clients to use Fidelity and does not allow directed brokerage. Not all firms require clients to use one custodian. Best Execution Reviews On at least an annual basis JMHW’s Chief Compliance Officer and other employees evaluate the pricing and services offered by Fidelity. JMHW has sought to make a good-faith determination that Fidelity and other chosen trading counterparties provide clients with good services at competitive prices. However, clients should be aware that this determination could have been influenced by JMHW’s receipt of products and services from Fidelity. Historically JMHW has concluded that Fidelity is as good as, or better than, the other firms that have been considered. JMHW would notify its clients if it were to determine that another firm offered better pricing and services than Fidelity. JMHW may have a potential conflict between the client's interest in obtaining best execution and the JMHW receiving future referrals from the broker or dealer. 9  Aggregated Trades JMHW often aggregates client trades in an effort to treat all clients fairly. Clients participating in a block order receive the same average price and incur trading costs that are the same as would be paid if they were trading individually. Employees may be included side-by-side in block client trades. If an order is partially filled, clients will have their orders fully filled on a randomized basis; JMHW will seek to complete any unfilled client orders on the next trading day. Employees are excluded from block trades whenever client orders are only partially filled. When trading accounts through Fidelity, JMHW may choose to place smaller trades ahead of larger trades when the smaller trades are not expected to materially affect the price or liquidity of the security in question. Item 13: Review of Accounts Accounts under JMHW’s management are monitored on an ongoing basis by Jeffrey M Harris and Cole E. Harris. Companies held in client portfolios are monitored on a daily basis for changes in competitiveness, management, financial condition, and profitability. Portfolios are also monitored for exposure asset classes and industry sectors. Reviews of client accounts will also be triggered if a client changes his or her investment objectives, or if the market, political, or economic environment changes materially. Clients receive account statements directly from their chosen custodian on at least a monthly basis. JMHW may supplement these custodial statements with reports provided during client meetings or as requested. Item 14: Client Referrals and Other Compensation JMHW does not pay any referral fees or compensate Fidelity, any other custodian, broker/dealer or individual for referring client accounts. Other than the previously described products and services that JMHW receives from Fidelity, JMHW does not receive any other economic benefits from non-clients in connection with the provision of investment advice to clients. Item 15: Custody (A) When it deducts fees directly from client accounts at a selected custodian, JMHW will be deemed to have limited custody of client’s assets and must have written authorization from the client to do so. Clients will receive all account statements and billing invoices that are required in each jurisdiction, and they should carefully review those statements for accuracy. Item 16: Investment Discretion JMHW provides discretionary investment advisory services to clients. The Investment Advisory Contract established with each client outlines the discretionary authority for trading. Where investment discretion has been granted, JMHW generally manages the client’s account and makes investment decisions without consultation with the client as to what securities to buy or sell, when the securities are to be bought or sold for the account, the total amount of the securities to be bought/sold, or the price per share. In some instances, JMHW’s discretionary authority in making these determinations may be limited by conditions imposed by a client (in investment guidelines or 10  objectives, or client instructions otherwise provided to JMHW). JMHW will also have discretionary authority to determine the broker dealer to be used for a purchase or sale of securities for a client's account. Item 17: Voting Client Securities In accordance with its fiduciary duty to clients and Rule 206(4)-6 of the Investment Advisers Act, JMHW has adopted and implemented written policies and procedures governing the voting of client securities. All proxies that JMHW receives will be treated in accordance with these policies and procedures. JMHW considers the reputation, experience, and competence of a company’s management and board of directors when it evaluates a prospective investment. In general, JMHW votes in favor of routine corporate matters, such as the re-approval of an auditor or a change of a legal entity’s name. JMHW also generally votes in favor of compensation practices and other measures that are in-line with industry norms, that allow companies to attract and retain key employees and directors, that reward long-term performance, and that align the interests of management and shareholders. JMHW has not identified any material conflicts of interest in connection with past proxy votes. Such a conflict could arise if, for example, a client was a senior executive with a publicly traded company and other clients held securities issued by that company. Absent specific client instructions, if JMHW identifies a material conflict of interest it will follow the voting recommendation of the independent corporate governance consulting firm that it has retained. A copy of JMHW’s proxy voting policies and procedures, as well as specific information about how JMHW has voted in the past, is available upon written request. Upon written request, clients can also take responsibility for voting their own proxies, or can give JMHW instructions about how to vote their respective shares. Item 18: Financial Information JMHW has never filed for bankruptcy and is not aware of any financial condition that is expected to affect its ability to manage client accounts. JMHW neither requires nor solicits prepayment of more than $1,200 in fees per client, six months or more in advance and therefore does not need to include a balance sheet with this brochure. 11  JMH Wealth Management, LLC Part 2B of Form ADV The Brochure Supplement 45 Lyme Road, Suite 307 Hanover, NH 03755 www.jmhwealth.com Updated: January 29, 2025 This brochure supplement provides information about Mr. Jeffrey M. Harris (CRD# 855917) and Mr. Cole E. Harris (CRD# 7004025). It supplements JMHW’s accompanying Form ADV brochure. Please contact JMHW’s Chief Compliance Officer, Jeffrey M Harris, at 603-643-8899 if you have any questions about the Form ADV brochure or this supplement, or if you would like to request additional or updated copies of either document. Additional information about Mr. Jeffrey M. Harris and Mr. Cole E. Harris is available on the SEC’s website at www.adviserinfo.sec.gov. Registration does not imply a certain level of skill or training. 12  Jeffrey M. Harris’ Biographical Information Item 2: Educational Background and Business Experience Mr. Harris was born in 1955. He received a Bachelor of Arts degree, Economics, from the University of Pittsburgh in 1977 and a Masters in Business Administration, Finance and Investments, from The George Washington University in 1984. Mr. Harris received the Chartered Financial Analyst® (“CFA”) designation in 1993. The Chartered Financial Analyst (CFA) charter is a globally respected, graduate-level investment credential established in 1962 and awarded by CFA Institute — the largest global association of investment professionals. There are currently more than 160,000 CFA charterholders working in 160 countries. In order to become a CFA Charterholder, Mr. Harris was required to pass a series of three sequential examinations, maintain membership with the CFA Institute and a local CFA chapter, and agree to abide by the CFA Institute’s Code of Ethics and Standards of Professional Conduct. High Ethical Standards The CFA Institute Code of Ethics and Standards of Professional Conduct, enforced through an active professional conduct program, require CFA charterholders to: • Place their clients’ interests ahead of their own • Maintain independence and objectivity • Act with integrity • Maintain and improve their professional competence • Disclose conflicts of interest and legal matters Global Recognition Passing the three CFA exams is a difficult feat that requires extensive study (successful candidates report spending an average of 300 hours of study per level). Earning the CFA charter demonstrates mastery of many of the advanced skills needed for investment analysis and decision making in today’s quickly evolving global financial industry. As a result, employers and clients are increasingly seeking CFA charterholders—often making the charter a prerequisite for employment. Additionally, regulatory bodies in 19 countries recognize the CFA charter as a proxy for meeting certain licensing requirements, and more than 125 colleges and universities around the world have incorporated a majority of the CFA Program curriculum into their own finance courses. Comprehensive and Current Knowledge The CFA Program curriculum provides a comprehensive framework of knowledge for investment decision making and is firmly grounded in the knowledge and skills used every day in the investment profession. The three levels of the CFA Program test a proficiency with a wide range of fundamental and advanced investment topics, including ethical and professional standards, fixed-income and equity analysis, alternative and derivative investments, economics, financial reporting standards, portfolio management, and wealth planning. The CFA recommends members complete a minimum of 20 hours of continuing education activities, including a minimum of two hours in the content areas of Standards, Ethics, and Regulations (SER) each calendar year. 13  Mr. Harris earned the Accredited Investment Fiduciary® professional designation in 2005, awarded by the Center for Fiduciary Studies, in association with the University of Pittsburgh. The AIF designation certifies that the recipient has specialized knowledge of fiduciary standards of care and their application to the investment management process. To receive the AIF designation, individuals must complete a training program, successfully pass a comprehensive, closed-book final examination under the supervision of a proctor and agree to abide by the AIF Code of Ethics. In order to maintain the AIF designation, the individual must annually renew their affirmation of the AIF Code of Ethics and complete six hours of continuing education credits. The certification is administered by the Center for Fiduciary Studies, LLC Mr. Harris holds the Certified Private Wealth Advisorsm designation since 2009, administered by Investments and Wealth Institutesm and taught in conjunction with The University of Chicago Booth School of Business. The CPWA designation signifies that an individual has met initial and on-going experience, ethical, education, and examination requirements for the professional designation, which is centered on private wealth management topics and strategies for high-net-worth clients. Prerequisites for the CPWA designation are: a Bachelor’s degree from an accredited college or university or one of the following designations or licenses: CIMA®, CIMC®, CFA®, CFP®, ChFC® or CPA license; acceptable regulatory history as evidenced by FINRA Form U-4 or other regulatory requirements; five years of professional client-centered experience in financial services or a related industry; and two letters of reference from an IWI member, professional supervisor, or currently licensed professional in financial services or a related industry. CPWA designees have completed a rigorous educational process that includes self-study requirements, an in-class education component, and successful completion of a comprehensive examination. CPWA designees are required to adhere to IMCA’s Code of Professional Responsibility and Rules and Guidelines for Use of the Marks. CPWA designees must report 40 hours of continuing education credits, including two ethics hours, every two years to maintain the certification. The designation is administered through the Investments and Wealth Institute (IWI). Mr. Harris has served as JMHW’s Chief Investment Officer and as the Chief Executive Officer since 2006. Prior to founding JMHW, Mr. Harris was Senior Vice President of American Trust Company and American Trust Investment Advisors from 1995 to 2006. He also served as a Vice President of Fleet Investment Advisors from 1990 to 1995. Item 3: Disciplinary Information Mr. Harris has not been involved in any legal or disciplinary events. Item 4: Other Business Activities Mr. Harris has acted as an independent expert witness on one occasion with respect to an investment matter, in which he was not a party to the litigation, and received compensation in connection with this activity. 14  Item 5: Additional Compensation Mr. Harris does not receive economic benefits from any person or entity other than JMHW in connection with the provision of investment advice to clients, with the exception of acting as an expert witness as described above. Item 6: Supervision As JMHW’s founder and Chief Executive Officer, Mr. Harris maintains ultimate responsibility for the company’s operations. Mr. Harris can be reached directly by calling the telephone number on the cover of this brochure supplement. 15  Cole E. Harris’ Biographical Information Item 2: Educational Background and Business Experience Mr. Harris was born in 1995. He received a Bachelor of Arts degree, Economics and Hispanic Studies from the University of Puget Sound in 2017. Mr. Harris is a licensed Investment Advisor Representative with JMHW as of 06/2018, having passed the Series 65-Uniform Investment Advisor Law Examination. He has also been awarded the Investment Foundations certificate by the CFA Institute as of 06/2018. Mr. Harris received the Chartered Financial Analyst® (“CFA”) designation in 2022. The Chartered Financial Analyst (CFA) charter is a globally respected, graduate-level investment credential established in 1962 and awarded by CFA Institute — the largest global association of investment professionals. There are currently more than 160,000 CFA charterholders working in 160 countries. In order to become a CFA Charterholder, Mr. Harris was required to pass a series of three sequential examinations, maintain membership with the CFA Institute and a local CFA chapter, and agree to abide by the CFA Institute’s Code of Ethics and Standards of Professional Conduct. Place their clients’ interests ahead of their own Act with integrity High Ethical Standards The CFA Institute Code of Ethics and Standards of Professional Conduct, enforced through an active professional conduct program, require CFA charterholders to: • • Maintain independence and objectivity • • Maintain and improve their professional competence • Disclose conflicts of interest and legal matters Global Recognition Passing the three CFA exams is a difficult feat that requires extensive study (successful candidates report spending an average of 300 hours of study per level). Earning the CFA charter demonstrates mastery of many of the advanced skills needed for investment analysis and decision making in today’s quickly evolving global financial industry. As a result, employers and clients are increasingly seeking CFA charterholders—often making the charter a prerequisite for employment. Additionally, regulatory bodies in 19 countries recognize the CFA charter as a proxy for meeting certain licensing requirements, and more than 125 colleges and universities around the world have incorporated a majority of the CFA Program curriculum into their own finance courses. Comprehensive and Current Knowledge The CFA Program curriculum provides a comprehensive framework of knowledge for investment decision making and is firmly grounded in the knowledge and skills used every day in the investment profession. The three levels of the CFA Program test a proficiency with a wide range of fundamental and advanced investment topics, including ethical and professional standards, fixed- income and equity analysis, alternative and derivative investments, economics, financial reporting standards, portfolio management, and wealth planning. The CFA recommends members complete a minimum of 20 hours of continuing education 16  activities, including a minimum of two hours in the content areas of Standards, Ethics, and Regulations (SER) each calendar year. Item 3: Disciplinary Information Mr. Harris has not been involved in any legal or disciplinary events. Item 4: Other Business Activities Mr. Harris does not have any other outside business activities. Item 5: Additional Compensation. Mr. Harris does not receive economic benefits from any person or entity other than JMHW in connection with the provision of investment advice to clients. Item 6: Supervision JMHW’s founder and Chief Executive Officer, Mr. Jeffrey M. Harris maintains ultimate responsibility for the company’s operations and is responsible for supervising Mr. Cole E. Harris. Mr. Jeffrey M. Harris can be reached directly by calling the telephone number on the cover of this brochure supplement. 17