James P. Murray is Managing Principal, Portfolio Investment Manager for Townsgate Wealth Management. He has earned the Chartered Retirement Planning Counselor SM designation from the College for Financial Planning. Murray works with wealthy individuals and families in concert with their CPA and attorney to create highly personalized strategies focused on preserving their wealth, building a legacy, sharing their wealth with the next generation, planning for growth and succession in their private business and supporting charitable causes important to his clients.

Prior to Townsgate Wealth Management, Murray was a senior executive at US Trust/Bank Of America and Merrill Lynch/Bank of America in Ventura County as well as Smith Barney in Los Angeles. He began his career in the financial services industry in 1993 with Smith Barney as a Financial Advisor in Ventura, CA. Before entering the financial services industry, Murray had an accomplished career with DuPont Corporation and held jobs ranging from manufacturing engineer to market manager to sales manager during his 12-year tenure. Murray is a graduate of the University of Connecticut's MBA program obtaining an MBA with a concentration in Finance and Rutgers University College of Engineering where he received a BS in Electrical Engineering. He has lived in the Conejo Valley for 26 years and he and his wife Patty have raised and launched five daughters. CA Insurance License Number 0B22477 Resident State CA

Having studied business finance at Colorado State University and spending the first part of his career honing his customer service & management skills in another industry, Larry transitioned to the investment field in the late 1990s. He first worked with Citigroup Global Markets before joining Banc of America Investments in 2003. This is where his evolution into multi-strategy portfolio management inclusive of life/disability insurance, annuities, and long term care began. Complementing each other's strengths, Townsgate Wealth Management now focuses on several areas of investing in in-depth portfolio management, fixed income analysis, and retirement planning. Striving to offer a more personalized level of service, Townsgate Wealth Management decided to join forces with Wells Fargo Advisors in 2012. This allowed Larry to evolve even further as a portfolio strategist in building our managed portfolios. He then became certified as a PIM Portfolio Manager, a designation only achieved by completing rigorous training in the area of portfolio management. This designation is awarded to a select group of financial advisors within Wells Fargo Advisors who have past portfolio management experience in conjunction with the completion of this training. It is a reflection of Larry's commitment to actively offer and manage individually customized investment management strategies to help meet each client's unique needs and goals. In addition to the clients he serves, he is also responsible for the research, due diligence, and

recommendations to our practice's investment committee, of which he is a member. Larry has resided in Westlake Village/Thousand Oaks with his wife, Lisa, and their two kids, Rachel and Jake, since 1999. Playing an active role in his son's sports life, he has assisted with coaching youth through high school baseball, soccer, and basketball. Larry is also passionate about charities benefitting children, specifically the Juvenile Diabetes Research Foundation and Children's Hunger Fund. Insurance products are offered through nonbank insurance agency affiliates of Wells Fargo & Company and are underwritten by unaffiliated insurance companies. The Private Investment Management [PIM] program 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.

CA Insurance License Number 0C95282 Resident State CA

Born and raised in Texas, Abby attended Texas A&M University where she received her Bachelor of Science degree in Economics. She began her finance career with Merrill Lynch in 2007 and relocated to California in 2009. That same year she became a Partner in Townsgate Wealth Management.

Abby is a PIM Portfolio Manager, a designation only achieved by completing stringent training in the area of portfolio management. This designation is awarded to a select group of financial advisors within Wells Fargo Advisors Financial Network who have past portfolio management experience in conjunction with completion of this training. In addition, she holds her securities registrations (Series 7 & 66), life and long-term care insurance licenses.

In 2017 Abby obtained her Series 24 registration by passing the General Securities Principal Qualification Examination. As a result, Abby obtained the additional title of Assistant Managing Principal and has some delegation of office supervisory duties. Abby is a member of the practice's investment committee with the responsibility of research, due diligence and investment recommendations.

Starting her career during the financial debacle of 2008, she is a staunch believer that investors are best served by engaging investment professionals to design, manage and evaluate their investment portfolios. In addition, monitoring of advisory client portfolios is key. Her focus is portfolio analysis, construction, retirement and estate planning strategies. Specifically, she helps clients with their finances when strategic planning is necessary. Examples include planning or dealing with a death in the family, employment change, divorce or marriage and income in retirement.

Abby volunteers regularly at charitable organizations throughout her community, including Westlake Village Juniors Women's Group, American Cancer Society - Relay for Life, and Big Brother/Big Sister of Los Angeles. She enjoys cooking, hiking, traveling and spending time with her family.



<sup>The Private Investment Management [PIM] program 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.

CA Insurance License Number 0G63874 Resident State CA</sup>

With over 39 years of experience in the financial services industry, Michael Kazmer is dedicated to helping his clients meet their financial objectives by developing investment strategies that meet their long-term goals. He specializes in investment asset allocation, professional money management, and consistently seeking prudent returns for his clients' portfolios. More specifically, Michael has vast experience in investment management and specializes in the fixed income markets. He holds the Series 7, 63, 66 and 24 securities registrations, as well as life and disability insurance licenses, and acts as Senior Vice President of Townsgate Wealth Management. Prior to joining Wells Fargo Advisors Financial Network in 2012, he spent 23 years at Bank America/Merrill Lynch, serving as Senior Vice President of Investments. He began his career in 1985 as an investment advisor at EF Hutton and Company. Michael has been committed to giving back to the youth sporting community of the Conejo Valley. He has served many years with American Youth Soccer Organization (AYSO) as a former coach, referee, referee instructor, board member, and mentor. Additionally, Michael previously officiated USSF (United States Soccer Federation) with his twin sons, Kyle and Christopher. He was also involved for many years coaching and officiating youth basketball in the Conejo Valley for National Junior Basketball (NJB) as well as being active in his church community. Michael resides in Santa Barbara, and has four children, Kyle, Chris, Devin and Milana. Michael is an avid road cyclist, and spends his free time preparing for his many century bike rides.


CA Insurance License Number: #0A47512 Resident State CA

Having studied Electrical Engineering at San Diego State University, and earning his Master of Business Administration from Pepperdine University, Wesley began his investment career in the late 1991, with then-Shearson Lehman Brothers. Wesley transitioned to UBS Wealth Management in 2008 before joining Wells Fargo Advisors Financial Network/Townsgate Wealth Management in 2016. Wesley has dedicated his career to helping his high-net-worth clients with all aspects of their financial lives. A devoted husband, father, and outdoorsman, Wesley and his family live in Bell Canyon where his wife, Amanda, is a human resource manager.

CA Insurance License Number 0B27143 Resident State CA

Brett prides himself on taking a holistic approach to his clients' financial well-being. His goal is understanding you the client, as well as your entire balance sheet. He will analyze liabilities, insurance, legacy planning, and investments to determine areas of improvement on both sides of the equation. Brett firmly believes that your entire financial picture should work in harmony. His most important goal is understanding you, the client, and your needs as an individual. It is important that he understands these personal goals and the means by which you have to achieve them. He will work hard for you, within the parameters you set, to create a path to pursue those goals. Brett graduated with a degree in Small Business Administration and Entrepreneurship from the University of Colorado in Colorado Springs. He immediately put his education to use by helping develop the original California Pizza concept. Brett then opened a successful small business in the Conejo valley in 1989 which was sold in 2000. Brett's specialized skill set was then utilized as a financial advisor at Merrill Lynch until 2008 and at UBS as a Vice President of Investments until 2016. Brett has lived in the Conejo Valley since 1989 with his wife Alison and son Scott, and is a big advocate for family and community. CA Insurance License Number 0D22863 Resident State CA Insurance products are offered through nonbank insurance agency affiliates of Wells Fargo & Company and are underwritten by unaffiliated insurance companies.

Joni began her career in banking/finance in 1981 with Bank of America. During the 19 years that followed, she held a variety of titles ranging from teller to operations manager to personal banker. In 2000, she transitioned to Bank of America Investments. Over the next few years she diligently worked to obtain her Series 7, 63 and 66 securities registrations. In 2016 she joined Townsgate Wealth Management as a Registered Client Associate. She is highly skilled in the areas of client service and operations. Born, raised and educated in Central California, Joni has been a resident of the Conejo Valley since the late 1970s. She has one daughter and a grandson with whom she spends much of her free time. Other hobbies include drawing, painting and travel.