Neil Epstein

PSA Financial Advisors, Inc. (PSA) is an investment management firm headquartered in Hunt Valley, Maryland. The firm was founded in 1978 and is a subsidiary of The Hilb Group LLC. PSA specializes in employee benefits brokerage, human resources consulting and risk management services.

Chesapeake Financial Group, Inc., do-business-as Chesapeake Wealth Management, is a wealth management firm headquartered in Williamsburg, Virginia. The firm was founded in 1973 and they are a subsidiary of Chesapeake Financial Shares, Inc. (OTCMKTS: CPKF). Chesapeake Wealth Management provides wealth management services to private individuals and institutional clients.

John Hancock Investment Management LLC (JHIM) is a fund-of-funds manager headquartered in Boston, Massachusetts. The firm was founded in 2002 and is a subsidiary of John Hancock Subsidiaries LLC, ultimately owned by Manulife Financial Corp. (TSX; NYSE: MFC) in Canada. JHIM provides discretionary investment advisory services as a “manager of managers” to certain open-end and closed-end registered investment companies, such as exchange-traded funds, in the John Hancock family of funds, that are offered to retail investors and, in the case of certain funds, are included as investments in model portfolios created by JHIM or one of its affiliates.