Wealth Management as Unique as You

NICHOLSON WEALTH MANAGEMENT GROUP8 N. Adgers WharfCharleston, SC 29401

Tel: 843-790-2625Web: www.NicholsonWMG.com

Mission Statement

Two are better than onebecause they have a good return for their

workEcclesiastes 4:9

Just as Solomon stated, we feel as a team we can bring value to your financial situation with our diverse knowledge and skills. We feel by working together with you, as a team, we can bring value.

Mr. Nicholson has over 28 years of investment experience managing for individual and institutional investment consulting clients with Wells Fargo Advisors. He possess Series 7, 24 (Principal), 31, 63 and 65 security registrations and is a Certified Investment Management AnalystSM (CIMA®), designated through the Investment Management Consultants Association (IMCASM*). Prior to his association with Wells Fargo Advisors, Mr. Nicholson was an Asset Specialist with Grant Thornton in Atlanta, Georgia, and a Public Finance Officer with Nations Bank Capital Markets Group, also in Atlanta. Joe also hold the distinction of Senior PIM Portfolio Manager and is proficient in PNF analysis through Dorsey Wright & Associates. Joe is also a Professional Member of Kingdom Advisors which is a non-profit organization for Christian Financial professionals. Mr. Nicholson holds a Masters Degree in Business Administration from the University of South Carolina and a Bachelor of Science in Business Administration from the College of Charleston. He has served as President of the NAMI of Charleston and founding Treasurer of the Alzheimer’s Association of the Low Country, and past founding Treasurer of the non-profit Carolina Autism. Joe also served on the board of the College of Charleston’s Alumni Association and Treasurer of the non-profit Coastal Crisis Chaplaincy. He currently serves on the advisory board of the Camp St. Christopher Camp and Conference Center.

Originally from Greenville, Joe and his wife Nicole reside on John’s Island with their daughter and son and are members of St. Michael's Church in Charleston. At St. Michael’s he is active in Dave Ramsey’s Financial Peace University and Cursillo ministries. As past Treasurer of the LowCountry Ford Model A Club he enjoys driving to work a 1930 Ford Model A Town Sedan and 1930 Ford Model A Truck.

Investment Management Consultants AssociationCode of Professional Responsibility

Serve the financial interests of clients. Each professional shall always place the financial interests of the client first. All recommendations to clients and decisions on behalf of clients shall be solely in the interest of providing the highest value and benefit to the client. Disclose fully to clients services provided and compensation received. All financial relationships, direct or indirect, between consultants and investment managers, plan officials, beneficiaries, sponsors or any other potential conflicts of interest shall be fully disclosed on a timely basis. Provide to clients all information related to the investment decision making process as well as other information they may need to make informed decisions based on realistic expectations. All client inquiries shall be answered promptly, completely, and truthfully. Maintain the confidentiality of all information entrusted by the client, to the fullest extent permitted by law. Comply fully with all statutory and regulatory requirements affecting the delivery of consulting services to clients. Endeavor to establish and maintain excellence personally and among colleagues in all aspects of investment management consulting and all aspects of financial services to clients. Support and participate in the activities of the Investment Management Consultants Association to enhance the investment management consulting Profession. Maintain the highest standard of personal and professional conduct.

*All IMCA certified individuals agree to abide by a Code of Professional Responsibility. They also remain up to date in their field by completing 40 hours of continuing education every two years

Joseph L. Nicholson, CIMA®

Managing Director – InvestmentsSenior PIM Portfolio Manager

Bernard F. “Bernie” PuckhaberMentor

(September 5, 1927-December 26, 2014)"In Memoriam"

"Bernie" was a major part of our team for over 20 years while working up to the very end with almost 50 years with Wells Fargo and predecessors. Mr. Puckhaber was a graduate of the College of Charleston with a liberal arts degree in history and a minor in economics. He was a past member of the Board of Trustees, College of Charleston Foundation Board, and former President of the College of Charleston’s Alumni Association.

Mr. Puckhaber took an extremely active role in College of Charleston athletics while attending the University and even still today. As a student, Mr. Puckhaber was on the basketball and tennis teams. In 1950 he earned the honor of being named to the All South Carolina team for basketball. He served as the coach of the College’s basketball team in 1956. His efforts on the basketball and tennis courts and sideline earned him a spot in the College of Charleston’s Athletic Hall of Fame.Bernie had been employed in the securities/investments business for over 55 years, 10 of which was with Merrill Lynch where he served as Operations Manager and then as an Account Executive. In 1965, Mr. Puckhaber joined Johnson, Lane, Space, Smith & Co. as an Account Executive and Co-Branch Manager. Mr. Puckhaber remained with basically the same firm, which is now, Wells Fargo Advisors.

He was married to his life long friend, the former Anne Stender. They have two grown children, Susan and Allen. They also have one grandson, Matthew.

Joseph L. Nicholson, CIMA®

Managing Director – InvestmentsSenior PIM Portfolio Manager

Joe utilizes his experience as a Certified Investment Management Analyst (CIMA) to design and implement strategies tailored to meet client needs.

Because your financial situation is often complex, Joe typically works with your attorney, accountant and other professionals to help design and implement the strategies that can assist you in the pursuit of your goals. Please keep in mind that Wells Fargo Advisors is not a tax or legal advisor.

As your non biased consultant, Joe’s goals are to develop a relationship with you in which he plays a key role in your financial life. Throughout life changes as well as market fluctuations, Joe will coordinate the investment planning process for you. The first steps include identifying your risk tolerance and goals, prioritizing them, and crafting a plan to help you realize your vision for the future. Joe will provide ongoing monitoring and advice for your personalized plan while tracking your progress as you pursue your financial goals.

Our Wealth Management GroupRobin MatthewsSenior Registered Client Associate

Robin comes to us from Wells Fargo Advisors in Charleston, SC and has over 20 years of banking and investment experience. Robin is a Registered Securities Representative (Series 7), Series 66 state registration, Series 9 and 10 (General Securities Sales Supervisor) and SC Life, Accident and Health Insurance Producer licenses. Robin is a native of Batesburg-Leesville, SC and graduated from Midlands Technical College of Columbia, SC.

Robin began her career with Wachovia Bank, NA in Atlanta, GA, as a teller. She then became a Teller Manager in Columbia, SC before she was promoted to Teller Manager Trainer and Bank Branch Auditor where she traveled the SC midlands and performed bank branch audits. In May of 2002, Robin accepted the position of Client Associate to a Financial Advisor in Columbia, SC. After a short time, Robin was supporting as many as seven Financial Advisors with Wachovia Securities, LLC, which represented over a billion dollars in assets.

In 2014, Robin obtained her Series 9 and 10 and accepted the role as Regional Support Specialist where she supervised administrative and sales practice activities within the Charleston Regional Service Center, a market with approximately 150 Financial Advisors and Client Associates.

Robin resides on James Island with her 9 year old West Highland Terrier, Jack, and when she’s not entertaining Jack, she takes classes in Brazilian Jiu Jitsu. Robin has her blue belt and placed 2nd in her division in the 2018 Atlanta Spring International Open IBJJF Jiu JitsuTournament.

Wilson JonesPortfolio Administrator

Wilson began as an intern for our group during his undergraduate studies at the College of Charleston in 2013. He has extensive experience in Excel spreadsheet modeling. He joined Nicholson Wealth Management Group full time upon his graduation in 2017 with Bachelors of Science degree in Finance with a minor in commercial real estate from the College of Charleston. He recently obtained his General Securities registration also known as a Series 7. Wilson’s goal is to utilize the best technology to help ensure that our clients have an optimal portfolio for their unique investment needs.

The Nicholson Wealth Management Group CommitmentWe will honor our relationship with you. When you work with our Wealth Management Group, you have someone who takes the time to listen and understand your needs and helps you clarify your goals. We will be fully invested in helping you achieve your financial goals. Our Wealth Management Group will help you stay on track to meet your goals through intelligent financial solutions, in-depth analysis of your investments and regular feedback on your progress. We will be with you every step of the way. Your needs and goals will change over time. That’s why our Wealth Management Group will be there to provide ongoing guidance –along with the exceptional service you deserve. Our commitment to you will not change.

This is what it means to be with Nicholson Wealth Management Group.

When You’re With Nicholson Wealth Management Group …You’ll discover that we won’t waste your time with cookie-cutter solutions. Joe will work with you and a team of professionals in our corporate headquarters to create your personalized investment plan. And perhaps more important, you’ll find that we are committed to always doing what’s right by our clients by ...

Taking time to listen to their storiesUnderstanding their financial needs and goalsProviding a good valueGiving objective investment adviceActing in their best interestMaintaining high ethical standardsOffering outstanding service and responding

promptly to their requests Avoiding conflicts of interest

Nicholson Wealth Management Group understands the value of really getting to know our clients and providing steady guidance through the many changes, both expected and unexpected, that life can bring. We’ve found the only way we can do this is by nurturing long-term relationships with our clients.

If all this sounds different from what you’ve found at other firms, that’s because it is. Having Joe as your primary contact is all part of our common sense approach to helping our clients work toward their objectives. Our goal is to stand with you during both good and uncertain times to help clarify your expectations for your portfolio’s performance.

You can count on Nicholson Wealth Management Group to provide a customized investment plan, tailored financial

strategies and remarkable service.

Creating Your Wealth Management StrategyWhether you’ve accumulated your wealth by taking the helm of your own business, serving as a corporate executive, or managing family wealth, the financial challenges you face are unlike anyone else’s.

Wells Fargo Advisors can provide you with a wealth management strategy using our Valued Investor Planning (VIP) program or other appropriate services. VIP looks at your overall financial picture – from cash flow and budgeting to asset allocation, higher education, retirement and estate planning strategies.

Our unique Envision® Planning Program will provide the foundation for your plans and help you chart your progress toward your goals. The Envision Plan is dynamic in that it tracks your plans and assets on a daily basis

Consulting Services to Aide in Your Wealth ManagementBesides the Valued Investor Planning program and the Envision Planning program, Joe also specializes in the following services:

Balance Sheet and Asset AllocationCash-Flow AnalysisEducation Planning StrategiesRetirement Planning Institutional Consulting ServicesInvestment PolicyAsset Allocation StrategyPerformance Measurement and EvaluationLife Insurance Needs AnalysisSummary and Action Steps Asset-Management AccountsAdvisory Portfolios Access to Lending Services through Wells Fargo AffiliatesPersonal Trust Powers in All 50 StatesTax Deferred AnnuitiesSolutions for Concentrated PositionsAccess to Investment Banking Professionals

You can count on us to provide customized investment plans, tailored financial solutions, and remarkable service.

Keys to a Successful Relationship

We provide comprehensive investment planning. If we develop a successful working relationship, we will work together to help achieve your goals.

What you can expect from us You can trust that we will consistently and responsibly perform all requested services and that we will be available when you need us.

We will: Treat you with respect, honesty and dignity Act as your advisor, putting your interests

first Strive to acquire a complete and accurate

understanding of your goals, your tolerance for investment risk and your time frame

Explain the implications of the strategies we propose

Update you by email, mail and phone Be prompt and prepared for our meetings Meet with you regularly to review your

investment planning needs Respect your confidential information

What we can expect from you Effective communication and mutual respect are essential to a successful relationship, so we expect: Trust Honesty and full

disclosure Respect Responsiveness to

requests Sincerity Commitment to our

processWe expect you to understand that our recommendations are always based on your best interests. As our client, you need to know that all investment advice will be based on the information you provide to us. We expect you to be fully engaged in the investment planning process.

Mutual responsibilities We believe working together is essential to effective investment planning. To this end, we both need to make your investment strategies a priority. We will agree to: Keep each other informed of

any new developments that might affect these strategies.

Meet regularly to review your investment plan and be prompt and prepared for those meetings

Together, we can build an effective, long-term working relationship.

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 nonbank affiliates of Wells Fargo & Company. First Clearing is a trade name used by Wells Fargo Clearing Services, LLC, Member SIPC. © 2016–2018 Wells Fargo Clearing Services, LLC. All rights reserved. 0717-02675 [100642-v2BDC] IHA-5804502 0000584411 (Rev. 38, 1 ea)

Where to find our officeWells Fargo Advisors Financial Network8 N. Adgers WharfCharleston, SC 29401843-790-2625

• Going South on East Bay Street towards the Battery, pass Rainbow Row (Purple, Pink on Right), next left is N. Adgers Wharf and we are down on the left..

• Don’t hesitate to call us if you get lost!

NicholsonWealth Management Group8 N. Adgers WharfCharleston, SC 29401

Tel: 843-790-2625Web: www.NicholsonWMG.com

Mission StatementTwo are better than one

because they have a good return for their work

Ecclesiastes 4:9Just as Solomon stated, we feel as a team we can bring value to your financial situation with our diverse knowledge and skills. We feel by working together with you, as a team, we can

bring value.

Investment products and services are offered through Wells Fargo Advisors Financial Network, LLC (WFAFN). Wells Fargo Advisors is a trade name used by Wells Fargo Clearing Services, LLC and WFAFN, Members SIPC, separate registered broker-dealers and non-bank affiliates of Wells Fargo & Company.