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Treasury and Payments

Improve your working capital, reduce fraud and minimize the impact of unexpected disruptions with our treasury solutions—from digital portals to integrated payables and receivables—all designed to make your operations smoother and more efficient.

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Credit and Financing

Prepare for future growth with customized loan services, succession planning and capital for business equipment or technology.

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Commercial Real Estate

Get the strategic support to be successful throughout market and real estate cycles with insights, hands-on service, comprehensive financial solutions and unrivaled certainty of execution.

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International Banking

Global opportunities mean global challenges. But real success means understanding the local markets you serve—which is why we bring the business solutions, insights and market perspective you need. 

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Thought Leader Forum: Employee Stock Ownership Plans

Regina Carls, managing director of the ESOP Advisory Group for JPMorgan Chase, joins a panel of thought leaders to discuss the pros and cons of an employee stock ownership plan for businesses.

What are the major benefits of an employee stock ownership plan? What are the risks?


The Portland Business Journal convened a panel of thought leaders, including Regina Carls, managing director of the ESOP Advisory Group for JPMorgan Chase, to discuss the pros and cons of an ESOP. The group highlighted the importance of having the right team, debunked common misconceptions and discussed how cultures can shift when ownership becomes more tangible.

“Big picture, an ESOP is a qualified retirement plan designed to invest primarily in the stock of the sponsoring corporation,” Carls said. “We often find ESOPs are pursued even when the owner can get a high value from a P/E or strategic buyer. The motivation is rewarding the employee base that has helped grow the business while at the same time getting full fair market value for the company.”

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