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<p class="MsoNormal"><span style="font-size:11.0pt">Good evening, my hive.<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt"><o:p> </o:p></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt">First of all, for those that were at the holiday party last evening, mazel tov to all and so thankful to get together.<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt"><o:p> </o:p></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt">Secondly, to those of you I haven’t yet met, let’s make a plan to meet!<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt"><o:p> </o:p></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt">Lastly, and most importantly, looking for a really good PI firm in MO; does anyone have names?<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt"><o:p> </o:p></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt">Jill<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt"><o:p> </o:p></span></p>
<p class="MsoNormal"><b><span style="font-size:14.0pt;color:black">Jill M. Epstein, CFP®, CEPA</span></b><br>
<span style="font-size:11.0pt;color:black">First Vice President – Wealth Management</span><span style="font-size:11.0pt"><br>
<span style="color:black">Wealth Advisor<o:p></o:p></span></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt;color:black">California Insurance License #1184495<span style="mso-ligatures:none"><o:p></o:p></span></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Arial",sans-serif"><o:p> </o:p></span></p>
<p class="MsoNormal"><b><span style="font-size:16.0pt;color:red">Horizon Wealth Management</span></b><span style="color:red"> |
<b>UBS</b></span><b><span style="font-family:"Times New Roman",serif"> </span>Financial Services Inc.</b><span style="font-family:"Calibri",sans-serif;color:red"><o:p></o:p></span></p>
<p class="MsoNormal">Comprehensive Wealth Management Services<span style="font-size:11.0pt;font-family:"Arial",sans-serif"><br>
</span><span style="font-size:11.0pt">1285 Avenue of the Americas, 16th Floor<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt">New York, NY 10019</span><span style="font-size:11.0pt;font-family:"Arial",sans-serif"><br>
</span><span style="font-size:11.0pt">212-713-2454 Office<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt">917-687-6467 Work Mobile<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt">877-304-3084 Fax<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt">888-308-1971 Toll Free<o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt"><a href="http://www.ubs.com/team/horizonwm"><span style="font-family:"Times New Roman",serif;color:blue">Please visit our website</span></a><o:p></o:p></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Times New Roman",serif"><o:p> </o:p></span></p>
<p class="MsoNormal" style="line-height:12.0pt"><b><i><span style="font-family:"Arial",sans-serif">Forbes</span></i></b><b><span style="font-family:"Arial",sans-serif"> Best-In-State Top Women Advisor for 2024<o:p></o:p></span></b></p>
<p class="MsoNormal"><span style="font-family:"Arial",sans-serif"><o:p> </o:p></span></p>
<p class="MsoNormal" style="line-height:12.0pt"><b><i><span style="font-family:"Arial",sans-serif">Forbes</span></i></b><b><span style="font-family:"Arial",sans-serif"> Best-In-State Wealth Management Team for 2023 and 2024<o:p></o:p></span></b></p>
<p class="MsoNormal" style="line-height:12.0pt"><span style="font-size:10.0pt;font-family:"Arial",sans-serif"><o:p> </o:p></span></p>
<p class="MsoNormal" style="line-height:12.0pt"><b><span style="font-size:11.0pt;font-family:"Arial",sans-serif">The
<i>Forbes</i> rating is compiled by SHOOK Research and is awarded annually in January, based on information from March of the prior year. Eligibility is based on quantitative factors and is not necessarily related to the quality of the investment advice.<o:p></o:p></span></b></p>
<p class="MsoNormal"><span style="font-family:"Arial",sans-serif"><o:p> </o:p></span></p>
<p class="MsoNormal"><b><i><o:p> </o:p></i></b></p>
<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Times New Roman",serif"><o:p> </o:p></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Times New Roman",serif"><o:p> </o:p></span></p>
<p class="MsoNormal"><a href="https://www.ubs.com/us/en/wealth/banking/cash_management/ubs-mobile-app.html"><span style="font-size:11.0pt;color:#1F497D;text-decoration:none"><img border="0" width="94" height="46" style="width:.9791in;height:.4791in" id="Picture_x0020_2" src="cid:image001.jpg@01DB4BE6.E4AB6280" alt="Go Mobile"></span></a><span lang="EN" style="font-size:11.0pt;font-family:"Arial",sans-serif;color:#222222"><o:p></o:p></span></p>
<p class="MsoNormal"><b><span style="font-size:11.0pt;color:red">Go Mobile</span></b><b><span style="font-size:11.0pt;color:#1F497D">
</span></b><b><span style="font-size:11.0pt">– Deposit checks into eligible UBS accounts with the mobile deposit feature for iPhone® and Android
</span></b><b><span style="font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1F497D"><o:p></o:p></span></b></p>
<p class="MsoNormal"><span style="font-size:11.0pt"><a href="https://www.ubs.com/us/en/wealth-management/banking/cash-management/ubs-mobile-app.html"><b><span style="color:blue">Download the UBS App today</span></b></a><span style="color:blue">.<o:p></o:p></span></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt;color:#1F497D"><o:p> </o:p></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Times New Roman",serif"><o:p> </o:p></span></p>
<p class="MsoNormal"><span style="font-family:"Frutiger 45 Light",sans-serif;color:black;background:yellow;mso-highlight:yellow">From accessing your</span><span style="font-family:"Frutiger 45 Light",sans-serif;color:#1F497D;background:yellow;mso-highlight:yellow">
</span><span style="font-size:11.0pt"><a href="https://onlineservices.ubs.com/olsauth/ex/pbl/ubso/dl#login"><span style="font-size:12.0pt;font-family:"Frutiger 45 Light",sans-serif;color:blue;background:yellow;mso-highlight:yellow">accounts online</span></a></span><span style="font-family:"Frutiger 45 Light",sans-serif;color:black;background:yellow;mso-highlight:yellow">,
to getting a consolidated view of your</span><span style="font-family:"Frutiger 45 Light",sans-serif;color:#1F497D;background:yellow;mso-highlight:yellow">
</span><span style="font-size:11.0pt"><a href="https://www.ubs.com/us/en/wealth/misc/my-total-picture.html"><span style="font-size:12.0pt;font-family:"Frutiger 45 Light",sans-serif;color:blue;background:yellow;mso-highlight:yellow">financial picture</span></a></span><span style="font-family:"Frutiger 45 Light",sans-serif;color:black;background:yellow;mso-highlight:yellow">,
we can help make your life easier.</span><span style="font-family:"Frutiger 45 Light",sans-serif;color:#1F497D">
</span><span style="font-family:"Frutiger 45 Light",sans-serif"><o:p></o:p></span></p>
<p class="MsoNormal"><o:p> </o:p></p>
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