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The Tonzola Group

Wealth Partners at J.P. Morgan

The Tonzola Group

As a team, we serve our clients using a family office style approach with boutique and personalized level of service to help achieve clients’ financial goals and aspirations.


 

212.272.8352 

john.tonzola@jpmorgan.com

277 Park Avenue
New York, NY 10172

Welcome

For many of our clients, we know the accumulation of significant wealth is not a goal unto itself. Rather, wealth provides opportunities and opens doors that enable us to work with a client to enrich the lives of their family and future generations.

As a trusted advisor for these financial aspirations and goals, we serve the sophisticated needs of high net worth individuals who are seeking comprehensive investment guidance and full-service family office style support.

Our virtual family office style approach blends institutional-caliber investment management with tailored advisory practices to help care for the thoughtful organization of every element of your financial life—from private banking and lending solutions to trust and estate planning and philanthropic endeavors.

Our specific investment focus is the development of customized, high-quality total return portfolios to help grow wealth and preserve capital. We place emphasis on the structuring of investment vehicles that may have planning and tax efficiencies or provide asset protection. Our group’s experience structuring entities as well as investment products provides us with invaluable insight into how to make use of trusts, LLCs, C-corps and other vehicles within the investment and financial structure of a family office.

Recognizing that liquidity requirements are an essential component of comprehensive wealth management, we facilitate cash flow strategies designed to meet individualized objectives and we manage cash flow distributions on a customized schedule for each client.

Because there are financial, tax and legal impacts to many of our choices, we work seamlessly alongside your CPAs, attorneys, tax, valuation, art and real estate professionals to ensure that the totality of your wealth management picture is considered.

We dedicate our time and resources to a limited number of clients so we can provide an attentive and holistic investment management experience with a very high level of personalized customer service. Our greatest satisfaction in our private wealth management practice is derived from the close and meaningful relationships we build and foster everyday with our clients and their families.

Investment Approach

A Family Office Style Approach

For many of our clients, substantial wealth is the culmination of hard work, innovative thinking and perseverance whether it be their own or passed down to them through forethought and planning. Wealth can also be a source of increased financial pressures and multi-faceted investment concerns.

Drawing upon our experience managing various complex investments through different customized legal and tax entities, we consult closely with each of our clients to simplify and organize their personal finances. Then, we are able to provide comprehensive private wealth management that will guide the growth, conservation, and distribution of their assets.

Our group’s background in global capital markets, private and alternative investments as well as trust & estate planning enables us to address a wide range of challenges or issues and in turn provide strategies that support each client’s financial well-being. The family office style approach we employ provides a continuity of investment guidance to help secure a legacy for future generations.

Delivering Hands-on and Differentiated Customer Service

Our team offers concierge-style attention and responsiveness to each clients’ specific wealth management needs. By advising a deliberately limited number of clients, we strive to foster exceptional and long-lasting relationships that address all the financial needs of our individual clients and their families

We believe that this boutique-level focus on safeguarding and growing personal wealth is integral to helping clients protect what they have worked so hard to build. We are proud to serve multi-generational families that entrust our team to care for and deliver upon their families’ financial objectives.

Backed by a Solid Infrastructure and Institutional-Caliber Capabilities

Through the world-class investment platform and research insights of J.P. Morgan, we have access to capital strategies and investment instruments for all sectors including equities, fixed-income, currencies, hedge funds, real estate and private equity. We couple this strong product and market foundation with our deep knowledge of structured products and investment vehicles and entities, as well as derivatives which enables us to deliver the highest-quality experience that in turn elevates our virtual family office style practice.

A Focus on Total Returns

We develop high-quality and long-term portfolios tailored to each client’s exacting and individualized needs—whether they desire capital appreciation, asset preservation or cash flow strategies. Investments are often comprised of high-dividend and under-appreciated stocks and short- and longer-term fixed-income, as well as the use of private equity and private credit when appropriate for the investor.

Risk must be weighed when assessing investment selection and we may advise that a portfolio include private equity or hedge funds if a client seeks to pursue higher expected return outcomes with less liquidity of their capital.

The Importance of Cash Flow Management

We consider liquidity requirements an essential component of holistic wealth management and facilitate both short- and long-term cash flow strategies. Our specific goal is to build diversified and growing income streams that support our clients’ lifestyles and other liquidity needs while helping to preserve the corpus of a family’s assets.

J.P. Morgan Brand

Our team accesses the full intellectual capital and financial resources of the firm to help manage both sides of the balance sheet and deliver appropriate strategies that care for each client’s unique objectives. We provide a direct entrée to a broad array of value-added services including credit and lending opportunities, mortgage products, private banking, wealth transfer ideas, trust and estate planning and philanthropic giving.

We welcome a partnership with our clients’ outside advisors—tax, real estate, valuation professionals, art advisers and attorneys—to help ensure that every financial scenario is considered and state of the art planning is delivered.

Meet Our Team

Click a profile to learn more about each member.

Specialist Resources

Can assist J.P. Morgan Advisors on a case-by-case client basis.

 

Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck

To learn more about J. P. Morgan’s investment business, including our accounts, products and services, as well as our relationship with you, please review our  J.P. Morgan Securities LLC Form CRS and  Guide to Investment Services and Brokerage Products.

This website is for informational purposes only, and not an offer, recommendation or solicitation of any product, strategy service or transaction. Any views, strategies or products discussed on this site may not be appropriate or suitable for all individuals and are subject to risks. Prior to making any investment or financial decisions, an investor should seek individualized advice from a personal financial, legal, tax and other professional advisors that take into account all of the particular facts and circumstances of an investor's own situation. 

This website provides information about the brokerage and investment advisory services provided by J.P. Morgan Securities LLC (JPMS). When JPMS acts as a broker-dealer, a client's relationship with us and our duties to the client will be different in some important ways than a client's relationship with us and our duties to the client when we are acting as an investment advisor. A client should carefully read the agreements and disclosures received (including our Form ADV disclosure brochure, if and when applicable) in connection with our provision of services for important information about the capacity in which we will be acting.

INVESTMENT AND INSURANCE PRODUCTS ARE: • NOT FDIC INSURED • NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY • NOT A DEPOSIT OR OTHER OBLIGATION OF, OR GUARANTEED BY, JPMORGAN CHASE BANK, N.A. OR ANY OF ITS AFFILIATES • SUBJECT TO INVESTMENT RISKS, INCLUDING POSSIBLE LOSS OF THE PRINCIPAL AMOUNT INVESTED

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J.P. Morgan Chase Bank N.A., Member FDIC. Not a commitment to lend. All extensions of credit are subject to credit approval.

Investments in alternative investment strategies is speculative, often involves a greater degree of risk than traditional investments including limited liquidity and limited transparency, among other factors and should only be considered by sophisticated investors with the financial capability to accept the loss of all or part of the assets devoted to such strategies.

Borrowing with securities as collateral involves certain risks, including the possibility that you may need to deposit additional securities and/or cash in the account to meet a maintenance call, and that securities in the account may be sold to meet the maintenance call.  Proper management of your account and a thorough understanding of the conditions that may affect your investments will assist you in effectively using the margin lending program.​

J.P. Morgan Wealth Management is a business of JPMorgan Chase & Co., which offers investment products and services through J.P. Morgan Securities LLC (JPMS), a registered broker-dealer and investment advisor, member FINRA and SIPC. Annuities are made available through Chase Insurance Agency, Inc. (CIA), a licensed insurance agency, doing business as Chase Insurance Agency Services, Inc. in Florida. Certain custody and other services are provided by JPMorgan Chase Bank, N.A. (JPMCB). JPMS, CIA and JPMCB are affiliated companies under the common control of JPMorgan Chase & Co. Products not available in all states.

Please read additional Important Information in conjunction with these pages.