Brochure Supplement

Jennifer D. Roberts

111 Genesee Street, Suite 300 Buffalo, New York 14203

(716) 566-6540

This Brochure Supplement provides information about Jennifer D. Roberts that supplements the Disclosure Brochure of Winthrop, a copy of which you should have received. Please contact Winthrop’s Chief Compliance Officer if you did not receive the Disclosure Brochure or if you have any questions about the contents of this Brochure Supplement. Additional information about Jennifer D. Roberts is available on the SEC’s website at www.adviserinfo.sec.gov.

Winthrop, a Registered Investment Adviser

111 Genesee Street, Buffalo, New York 14203 (716) 566-6540

June 28, 2016

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Winthrop Brochure Supplement – Jennifer D. Roberts Item 2. Educational Background and Business Experience

Born 1971

Recent Business Background

Winthrop Financial, Inc.│Vice President │November2011– Present

Harold C. Brown & Co., LLC │Registered Paraplanner │December 2007 – November 2011

Professional Designation

Jennifer D. Roberts is a Registered ParaplannerSM (“RP®”). An explanation of this designation appears below.

Individuals who hold the Registered ParaplannerSM

(RP®) designation have completed a course of study encompassing the financial planning process, the five disciplines of financial planning and general financial planning concepts, terminology and product categories. Individuals also complete a three-month long internship. Additionally, individuals must pass an end-of-course examination that tests their ability to synthesize complex concepts and apply theoretical concepts to real-life situations.

Item 3. Disciplinary Information

Winthrop is required to disclose information regarding any legal or disciplinary events material to a client’s evaluation of Jennifer D. Roberts. Winthrop has no information to disclose in relation to this Item.

Item 4. Other Business Activities

Winthrop is required to disclose information regarding any investment-related business or occupation in which Jennifer D. Roberts is actively engaged. Winthrop has no information to disclose in relation to this Item.

Item 5. Additional Compensation

Winthrop is required to disclose information regarding any arrangement under which Jennifer D. Roberts receives an economic benefit from someone other than a client for providing investment advisory services. Winthrop has no information to disclose in relation to this Item.

Winthrop Brochure Supplement – Jennifer D. Roberts Item 6. Supervision

Deborah A. Stauring, Chief Executive Officer and Chief Compliance Officer of Winthrop, reviews the advisory activities of Jennifer D. Roberts on behalf of the firm. Deborah A. Stauring can be reached at (716) 948-2090.

Winthrop supervises its personnel and the investments made in client accounts. Winthrop monitors the investments recommended by Jennifer D. Roberts to ensure they are suitable for the particular client and consistent with their investment needs, goals, objectives and risk tolerance, as well as any restrictions previously requested by the client. Winthrop periodically reviews the advisory activities of Jennifer D. Roberts, which may include reviewing individual client accounts and correspondence (including e-mails) sent and received by Jennifer D. Roberts.