2 TEAM 6 APPROACH 8 PHILOSOPHY. The Boleski Group at Morgan Stanley THE BOLESKI GROUP

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1 2 TEAM 6 APPROACH 8 PHILOSOPHY The Boleski Group at Morgan Stanley A

2 A GOALS-BASED APPROACH TO MANAGING YOUR WEALTH 8521 East 21st Street North Wichita, Kansas / MAIN / TOLL-FREE / FA X B MORGA N S TA N LE Y When it comes to building a wealth management plan, you might have a good idea of what you need to include. But we can help you identify something even more important: what you don t even realize you need. At the Boleski Group at Morgan Stanley, we deal in comprehensive wealth management for high-net-worth individuals and their families. Our team uses a goals-based approach to investing, which means we start by defining your financial and personal objectives, and then create a strategy designed to achieve them. In order to make sure all bases are covered, we adhere to a defined six-step process to develop, implement and maintain your wealth management plan (see pages 6-7). This process helps ensure that your plan will be integrated and complete, while also flexible enough to adapt to your unique situation. It s why our clients rely on us for financial planning, asset allocation, risk management solutions and more. T H E BOLESK I GROU P 1

3 OUR TEAM The Boleski Group is a long-tenured team that blends a diversity of backgrounds and areas of experience. Through our many years in the industry, we ve seen all kinds of markets and financial situations, so we have become very adept at anticipating challenges and identifying opportunities for our clients. Each member of our team has a different area of experience, allowing each of us to focus on what we know best. The result: We can do more for our clients as a team than any of us could do as individuals. 2 MORGA N S TA N LE Y STEVEN M. BOLESKI SPIKE ANDERSON STEVE WARFIELD Senior Vice President Wealth Advisor NMLS# Vice President NMLS# Vice President NMLS# Steve is a Senior Vice President and Wealth Advisor with the Boleski Group. As the senior member of the team, he focuses on alternative investments, such as private equity, hedge funds and real estate strategies. After joining Morgan Stanley in 1985, Steve became the Wichita branch manager in 1992 and a full-time wealth advisor in He worked as a sole practitioner until 2004, when he formed the Boleski Group. Steve earned a bachelor s degree in business from Wichita State University. Currently, he is active in his church and has served on numerous boards in his community. Steve and his wife, Kris, have five children: Paige, Erica, Lauren, Joseph and Reagan. In his spare time, he enjoys wildlife and sports photography and supporting his children s activities. Spike is a who works in relationship management and business development. He joined Morgan Stanley as a in 2004, teaming with Steve Boleski to form the Boleski Group. Prior to joining Morgan Stanley, Spike worked for the athletic department at Wichita State University for 10 years in donor development and game management. Spike attended Wichita State University, earning an undergraduate degree in communications and a master s degree in sports administration. From 1991 to 1994, he was a catcher for the WSU baseball team, during which time his team reached the College World Series three times. Spike and his wife, Kristin, have two children: Emma and Isaac. His hobbies include fishing, coaching his daughter s softball team and organizing charity poker fundraisers. Steve serves as the in-house Portfolio Manager for the Boleski Group. He joined Morgan Stanley in 1990 as a sole practitioner and then joined the Boleski Group in Steve earned a degree in business with an emphasis in accounting from Wichita State University. He is a board member for the City of Wichita 457 Deferred Compensation Plan and the Shocker Athletic Scholarship Organization (SASO), in addition to sitting on various boards and committees at St. James Episcopal Church. He and his wife, DeAun, have three children: Sarah, Brett and Reid. In his spare time, Steve enjoys traveling, racquetball, sailing and Shocker athletics Steve.Boleski@morganstanley.com Spike.Anderson@morganstanley.com Steve.Warfield@morganstanley.com T H E BOLESK I GROU P 3

4 GREGORY S. BROWN LISA A. HAFFNER MIKE E. WEGENG GIA SELZER SANDRA K. FRIESEN First Vice President Vice President Portfolio Associate Senior Registered Associate Certified Divorce Financial Analyst NMLS# NMLS# NMLS# Greg is committed to helping his clients with business strategies, risk management, capital budgeting, business planning and succession planning. Greg joined Morgan Stanley in 2008 after selling his family s construction company, with which he began his career in He helped guide the business to significant growth before selling the firm. He joined The Boleski Group in August Greg attended the University of Kansas, where he earned his undergraduate degree in business administration in 1988 and his master s degree in business administration in Outside of work, Greg has served on numerous committees for construction industry trade groups. He has been on the board of directors of the Salina Country Club and the Asphalt Reclaiming and Recycling Association (ARRA). Greg and his wife, Margaret, have two boys: Brooks and Stratton. Greg, who played tennis at the University of Kansas, enjoys being involved in his children s school and church activities. Lisa is a and Certified Public Accountant, providing customized financial planning, divorce financial strategy planning, risk management services, and retirement strategies to her clients. Prior to becoming a Financial Advisor, Lisa spent 19 years at a large manufacturing company, eventually serving as Director of Taxation. Prior to that she worked for nine years in public accounting before moving into the corporate tax environment. She joined the Boleski Group in Lisa earned a degree in business with a major in accounting from Fort Hays State University. Since joining Morgan Stanley, Lisa earned a Certified Divorce Financial Analyst (CDFA) designation. Lisa lives in Wichita with her husband, Chuck, and three children: Jason, Jessi and Jordan. Outside the office, she enjoys gardening, boating, exercising and spending time with her family. She also volunteers for various Catholic organizations and Wichita s Dress for Success. As a with the Boleski Group, Mike is a relationship manager who puts his clients best interest first. He believes that financial success is best achieved through careful planning, and he collaborates with colleagues on his team and clients to craft customized investment plans that complement their long-term goals. Mike joined Morgan Stanley in 2000 after 17 years as a Senior Vice President at Bank IV/Bank of America. Mike earned his bachelor s degree from Central Missouri State University and attended the Graduate School of Banking at the University of Wisconsin Madison. He and his wife, Pam, have three children and six grandchildren. In his free time, Mike is an avid golfer and has been involved with the Petroleum Club, Kiwanis Club, Wichita Crime Commission and American Red Cross. He earned the Eagle Scout rank from Boy Scouts of America and was a Captain in the U.S. Army Reserves. As a Portfolio Associate, Gia is responsible for fulfilling clients requests and planning client events. She has worked in the financial services industry since 1993, and this is her second stint with Morgan Stanley. She originally served as an operations manager for the firm from 2000 to 2004, and she rejoined Morgan Stanley in 2010 as a member of the Boleski Group. Gia attended Wichita State University with a focus on psychology. Gia and her husband, Jeff, have two daughters: Ella and Kate. In her spare time, she enjoys traveling and spending time with her family. Sandy is a Senior Registered Associate specializing in client service, including new account documents, statement questions, tax document inquiries, and deposit and withdrawal requests. She has worked in the financial services industry since 1980, joining Morgan Stanley in 1995 and the Boleski Group in Sandy is a graduate of Tabor College in Hillsboro, Kansas. She is active in her church, attends a women s Bible study group and enjoys gardening. In addition, she and her husband, Donald, like to travel to his regional running events Gregory.Brown@morganstanley.com Lisa.Haffner@morganstanley.com Michael.E.Wegeng@morganstanley.com Gia.Selzer@morganstanley.com Sandra.Friesen@morganstanley.com 4 MORGAN STANLEY 5

5 OUR APPROACH TO WEALTH MANAGEMENT From evaluating your financial needs to monitoring your plan, we follow a consistent process for all of our clients. This disciplined approach ensures that all elements of your financial picture are reviewed and addressed and that appropriate wealth management solutions are implemented efficiently. DISCOVER LifeView discovery process Define financial goals Understand values, special concerns and challenges Discuss current financial position, savings and spending plan Project retirement income needs Discuss education planning Discuss charitable giving Review liabilities ANALYZE Analysis of current financial situation Determine risk tolerance Develop asset allocation strategy Create financial road map Project health care expenses Determine Social Security maximization Review pension and other guaranteed income Review life, long-term care and disability insurance needs DELIVER LifeView delivery Conduct in-person meeting to present comprehensive financial findings and suggest tailored solutions Gather feedback TRANSITION Client transitioning Open new accounts and transfer assets Offer edelivery and online access Review first month s statements Introduce client service model and schedule review meetings IMPLEMENT Implementation and execution of wealth management plan Invest assets based on LifeView plan in goalsbased portfolios Adjust 401(k) or retirement accounts held outside of Morgan Stanley Coordinate with your accountant and estate attorney MONITOR 360-degree monitoring of wealth management plan Analyze and adjust investment portfolios based on changing goals and shifting markets Review and update estateplanning needs Discuss business succession plan Update LifeView plan on determined schedule Discuss strategic tax-planning Review banking and borrowing needs Investors should not underestimate the importance of having a financial plan to make sure their families are prepared for the long-term. Lisa Haffner 6 MORGAN STANLEY 7

6 OUR PHILOSOPHY When you work with the Boleski Group, you ll notice that each member of our team maintains the same set of core principles that have come to define our approach to wealth management. This consistency across our team means that all of us are aligned in our priorities and our perspective. 8 MORGA N S TA N LE Y Commitment to goalsbased investing We always start by listening to you your personal and financial objectives and your concerns so we can understand the full scope of your financial picture and establish what you wish to accomplish with your wealth. Through our discussions, we can determine what is most important to you and bring clarity to your financial goals. Then we customize a plan intended to help you reach those objectives within your desired time frame and risk tolerance. Comprehensive assessment Collaborative process Our team conducts a thorough analysis of your situation to help you see what your current financial plan might be missing and to identify areas of potential opportunity or liability. For example, we might uncover ways to reduce risk in your portfolio without jeopardizing your long-term financial objectives, implement new tax-saving measures, or recommend estate planning strategies. We believe in an active partnership with our clients. When we work with couples, we want to keep both spouses actively engaged and informed in the process in order to build relationships with both parties for the long term. When we provide estate planning, we seek to work with the whole family, so we can develop continuity and familiarity with the next generation. The breadth and diversity of our team s knowledge allows us to provide a high level of insight across the full range of components that make up your financial profile. Over the years, we ve learned that collaboration and open communication with our clients result in the most suitable wealth management plans and long-lasting relationships. T H E BOLESK I GROU P 9

7 WHAT WE OFFER Our commitment to providing comprehensive wealth management means we offer a broad range of products and services under one roof. As we integrate the appropriate choices into your plan, we will work with your CPA, attorney or other professional advisors to ensure a coordinated effort. We can also refer you to these qualified individuals, as needed, for their specialized guidance. Investment services Stocks, bonds, mutual funds Portfolio construction and management Alternative investments Structured products Stock option planning Planning solutions Financial goal analysis Income distribution strategies Retirement planning Wealth transfer strategies Estate conservation Philanthropic and legacy planning strategies Insurance Annuities Life insurance Long-term care insurance Retirement services Individual Retirement Accounts (IRAs) Education savings accounts 529 accounts UTMAs Cash management Checking accounts with bill pay Debit and credit cards Banking services Lines of credit Home mortgages Tailored lending solutions Business strategies Corporate retirement plans (SEP, 401k, SIMPLE) Succession planning Buy/sell agreements Key employee life insurance Our skilled team provides clients with first-class service and innovative solutions. We appreciate the trust they have placed in us these past 30 years. Steve Boleski 10 MORGAN STANLEY 11

8 GETTING STARTED Let us help you discover what might be missing from your wealth management profile and how we can build a comprehensive financial plan that puts your goals first. Please call us today to get started. We look forward to working together toward your successful financial future. The Boleski Group at Morgan Stanley 8521 E. 21st Street North Wichita, Kansas Direct: (316) Toll free: (800) Fax: (316) WORLD-CLASS RESOURCES FROM MORGAN STANLEY The Boleski Group s experience and dedication are backed by the vast global resources of Morgan Stanley, one of the world s largest financial institutions with more than $1.7 trillion in assets under management. Over the past 75 years, Morgan Stanley has supported its clients with firsthand knowledge of world markets through its presence at the center of the global economy. The firm expanded its institutional-level capabilities to successful individuals and their families three decades ago, since earning the trust of generations of sophisticated clients. The powerful combination of the Boleski Group s outstanding personal service and Morgan Stanley s industry-leading money managers and financial resources gives you a premier advisory experience, with the specialized services and solutions needed to meet your complex requirements. 12 MORGAN STANLEY 13

9 This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it. The strategies and/or investments discussed in this material may not be suitable for all investors. Morgan Stanley Wealth Management recommends that investors independently evaluate particular investments and strategies, and encourages investors to seek the advice of a. The appropriateness of a particular investment or strategy will depend on an investor s individual circumstances and objectives. Tax laws are complex and subject to change. Morgan Stanley Smith Barney LLC ( Morgan Stanley ), its affiliates and Morgan Stanley s and Private Wealth Advisors do not provide tax or legal advice and are not fiduciaries (under ERISA, the Internal Revenue Code or otherwise) with respect to the services or activities described herein except as otherwise agreed to in writing by Morgan Stanley. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a retirement plan or account, and (b) regarding any potential tax, ERISA and related consequences of any investments made under such plan or account. S&P 500 Index is an unmanaged, market value-weighted index of 500 stocks generally representative of the broad stock market. An investment cannot be made directly in a market index. The views expressed herein are those of the author and do not necessarily reflect the views of Morgan Stanley Wealth Management or its affiliates. All opinions are subject to change without notice. Neither the information provided nor any opinion expressed constitutes a solicitation for the purchase or sale of any security. Past performance is no guarantee of future results. Important Risk Information for Securities Based Lending: Borrowing against securities may not be suitable for everyone. You should be aware that there are risks associated with a securities based loan, including possible margin calls on short notice, and that market conditions can magnify any potential for loss. You need to understand that: (1) Sufficient collateral must be maintained to support your loan(s) and to take future advances; (2) You may have to deposit additional cash or eligible securities on short notice; (3) Some or all of your securities may be sold without prior notice in order to maintain account equity at required maintenance levels. You will not be entitled to choose the securities that will be sold. These actions may interrupt your long-term investment strategy and may result in adverse tax consequences or in additional fees being assessed; (4) Morgan Stanley Bank, N.A., Morgan Stanley Private Bank, National Association or Morgan Stanley Smith Barney LLC (collectively referred to as Morgan Stanley ) reserves the right not to fund any advance request due to insufficient collateral or for any other reason except for any portion of a securities based loan that is identified as a committed facility; (5) Morgan Stanley reserves the right to increase your collateral maintenance requirements at any time without notice; and (6) Morgan Stanley reserves the right to call securities based loans at any time and for any reason. Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services. Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED MAY LOSE VALUE NOT BANK GUARANTEED NOT A BANK DEPOSIT NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY Morgan Stanley Smith Barney LLC offers insurance products in conjunction with its licensed insurance agency affiliates. Since life insurance and long term care insurance are medically underwritten, you should not cancel your current policy until your new policy is in force. A change to your current policy may incur charges, fees and costs. A new policy will require a medical exam. Surrender charges may be imposed and the period of time for which the surrender charges apply may increase with a new policy. You should consult with your own tax advisors regarding your potential tax liability on surrenders. Alternative Investments The sole purpose of this material is to inform, and it in no way is intended to be an offer or solicitation to purchase or sell any security, other investment or service, or to attract any funds or deposits. Investments mentioned may not be suitable for all clients. Any product discussed herein may be purchased only after a client has carefully reviewed the offering memorandum and executed the subscription documents. Morgan Stanley Wealth Management has not considered the actual or desired investment objectives, goals, strategies, guidelines, or factual circumstances of any investor in any fund(s). Before making any investment, each investor should carefully consider the risks associated with the investment, as discussed in the applicable offering memorandum, and make a determination based upon their own particular circumstances, that the investment is consistent with their investment objectives and risk tolerance. Alternative investments often are speculative and include a high degree of risk. Investors could lose all or a substantial amount of their investment. Alternative investments are suitable only for eligible, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time. They may be highly illiquid and can engage in leverage and other speculative practices that may increase the volatility and risk of loss. Alternative Investments typically have higher fees than traditional investments. Investors should carefully review and consider potential risks before investing. Past performance is no guarantee of future results. Actual results may vary. Diversification does not assure a profit or protect against loss in a declining market. Alternative investments involve complex tax structures, tax inefficient investing, and delays in distributing important tax information. Individual funds have specific risks related to their investment programs that will vary from fund to fund. Clients should consult their own tax and legal advisors as Morgan Stanley Wealth Management does not provide tax or legal advice. Interests in alternative investment products are offered pursuant to the terms of the applicable offering memorandum, are distributed by Morgan Stanley Smith Barney LLC and certain of its affiliates, and (1) are not FDICinsured, (2) are not deposits or other obligations of Morgan Stanley or any of its affiliates, (3) are not guaranteed by Morgan Stanley and its affiliates, and (4) involve investment risks, including possible loss of principal. Morgan Stanley Smith Barney LLC is a registered broker-dealer, not a bank. Actual results may vary and past performance is no guarantee of future results. The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its s which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its s are acting as experts in this field. Investments and services offered through Morgan Stanley Smith Barney LLC, member SIPC Morgan Stanley Smith Barney LLC. Member SIPC. CRC /16 14 MORGAN STANLEY