Who We Are

JP&D: Fueling Your Business Growth

Our team never rests, always serving you. We make your business bloom, supporting its foundation with unrivaled expertise, experience, and knowledge.

Our Story

In 1979, three brothers, John, David, and Phil, along with their sister Kristen and parents, left South Korea for a new life in America. They started their journey by operating a Pizza Hut in the mid-1980s, eventually transitioning to managing a family-owned seafood restaurant.

In the late 1980s, they shifted gears and ventured into convenience stores with gasoline sales, closing down the seafood restaurant. The brothers' entrepreneurial spirit led them to diversify their focus, expanding into real estate and gasoline operations in the early 1990s. This marked the beginning of AmKo Petroleum, Fairway One-Stop Gas Stations, and a growing convenience store chain.

As their vision expanded further, John introduced a prepaid wireless marketing and distribution company called Spectrum Wireless in the mid-1990s. Reflecting their unity and commitment, the brothers adopted JP&D Financial, Inc. as their corporate name in the late 1990s, with each letter representing their initials.

In 2002, tragedy struck when Phil, the youngest brother, passed away at the age of 36. Undeterred by this loss, John and David persevered, determined to carry on their shared dream. They continued to expand the company's operations, embracing commercial financial services such as credit card merchant services, Spectrum ATM, and Spectrum Bankard Services in the mid-2000s.

Today, JP&D Financial, Inc. stands as a testament to their resilience and success. With a portfolio of convenience stores, gas stations, and real estate properties across the Triad area of North Carolina, the company has also established two thriving B2B business services divisions—Spectrum ATM and Spectrum Bankard—serving over 3500 merchants nationwide in the Southeastern US.

From humble beginnings to thriving business ventures, our story is one of determination, adaptability, and the pursuit of the American dream.

Mission Statement

JP&D's mission is to prioritize customer service throughout our entire company. We aim to exceed customer expectations, provide exceptional experiences, and build lasting relationships for mutual success.

Our Values

We are proud to introduce our core values, the guiding principles that shape our organization's culture, drive our decision-making process, and reflect what we stand for.

Innovation

We value your creativity here! You're encouraged to bring innovative ideas to the table to help us grow and outpace our competitors.

Customer-Centricity

We prioritize you in our operations and decision-making. Adapting to your evolving needs and preferences, we aim to deliver outstanding services.

Collaboration

We believe in the power of working together, leveraging collective wisdom, and sharing knowledge to achieve shared goals and drive innovative solutions.

Diversity

We embrace the richness of individual differences, nurturing an inclusive environment that values every voice and promotes innovation through a variety of perspectives.

Ethical Conduct

We commit to integrity, honesty, and transparency in all our actions and decisions, fostering a culture of trust, fairness, and respect, and adhering to the highest standards of ethical behavior.

Learn and Grow

We foster a culture of continuous learning and development, encouraging curiosity, innovation, and resilience, equipping ourselves to adapt and thrive in an ever-changing world.