The Yates Group at Morgan Stanley

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1 The Yates Group at Morgan Stanley

2 100 N. Main St. Ste Winston Salem, NC / MAIN / TOLL-FREE / FAX

3 The Yates Group at Morgan Stanley What are your goals in life? * What financial goals do you have for yourself and your family? * What life events do you need help navigating? * What do you hope for in retirement? * Do you want to help a child or grandchild with college tuition? * What are your charitable goals? * What legacy do you want to leave behind? THE YATES GROUP 3

4 Meet the Professionals Bryan Yates CFP, CPM, CIMA Senior Portfolio Management Director Senior Vice President - Wealth Management Wealth Advisor Bryan Yates is a Senior Vice President, Senior Portfolio Management Director, Senior Investment Management Consultant, Wealth Advisor, and Estate Planning Consultant with The Yates Group at Morgan Stanley. With 28 years experience in the financial services industry, Bryan focuses on financial planning, retirement planning, and estate planning for individuals and families. Bryan graduated from Appalachian State University in 1980 with a B.S. in Business Administration. He entered the financial services industry soon thereafter and has been with Morgan Stanley since Bryan has been named a member of Morgan Stanley s prestigious Chairman s Club, which recognizes the firm s top Financial Advisors. Barron s Magazine ranked Bryan as one of the country s 1,000 top Financial Advisors in Deeply committed to his craft, Bryan has furthered his education and training throughout his career. He earned the designation of Estate Planning Consultant from the American College in 1997, and was designated a Certified Financial Planner (CFP ) from the College of Financial Planning in He received his Certified Investment Management Analyst (CIMA ) designation from the University of Pennsylvania s Wharton School of Business in 2004 and his Accredited Investment Fiduciary Analyst (AIFA ) designation from the Joseph M. Katz Graduate School of Business at the University of Pittsburgh in In 2011 he was awarded the Certified Portfolio Manager (CPM ) degree from Columbia University. These advanced certifications in finance help ensure that Bryan brings the most up-to-date skills and analysis to his clients financial plans. He relies on these tools to create comprehensive and long-term retirement and estate plans, mindful of both risk mitigation and changing market cycles. Active in numerous professional organizations, Bryan is a member of the Financial Planning Association, the Investment Management Consulting Association and is a licensed advisor with The National Football League Players Association. 4 MORGAN STANLEY

5 Christopher Leak Senior Portfolio Manager Vice President Financial Advisor Chris Leak is a Vice President, Senior Portfolio Manager, and Financial Advisor with The Yates Group at Morgan Stanley. With 28 years experience in banking and finance, Chris concentrates on financial and retirement planning for retirees, business executives, local companies, historically black universities, and professional athletes. Chris graduated from Wake Forest University in 1986 with a B.S. in Business Administration and Accounting. He entered the banking industry after graduation, first as an Assistant Vice President with Central Carolina Bank and then as Vice President with Wachovia where he acquired extensive experience in business and commercial banking. As a Vice President with Bank of America in the Professional and

6 Executive Division, Chris delivered personalized client service, trusted guidance, and customized banking, credit, and investment solutions for high net worth individuals. He also spent two years as the City of Winston-Salem s Assistant Director of Housing and Neighborhood Services from 1999 to After returning to banking from as Vice President and a Financial Specialist with First Union National Bank, Chris joined Morgan Stanley as a Financial Advisor in With his wide range of skills and deep knowledge base derived from his diverse work experiences, Chris brings a broad perspective to his clients financial plans. He uses these talents to create personalized wealth management strategies centered on his clients specific needs and goals for themselves and their loved ones. Recognized by Morgan Stanley for his dedication to his clients, Chris has been named to the firm s Pacesetter s Club which recognizes Financial Advisors who, within their first five years, demonstrate the highest professional standards and first class client service. Chris is deeply involved in his community. He sits on the Board of Directors of the Big Brothers Big Sisters, the Marshall B. Bass Children's Fund, the Forsyth Medical Center Foundation Planned Giving, the Winston-Salem Service Corps, the Black Philanthropy Initiative, and the Samaritan Ministries. He is a member of the Twin City Kiwanis Club, the Alpha Phi Alpha Fraternity and he is on the Wake Forest University Board of Visitors. Shannon Guelbert Financial Advisor Shannon Guelbert is a Financial Advisor Associate with The Yates Group at Morgan Stanley. With eight years experience in the financial services industry, Shannon focuses on retirement planning, asset allocation, wealth management, financial analysis, and alternative investments. Shannon attended the University of Kansas where he received his B.S. in Business Administration and Accounting in In 2005 he graduated with honors from the University of Kansas Graduate School of Business with a Master s Degree in Accounting and Information Systems. During his academic years, he was designated a Crimson and Blue Geographical Scholar and a Hall Family Foundation Scholar. Before coming to Morgan Stanley in 2013, Shannon held positions in the accounting and banking services 6 MORGAN STANLEY

7 industry in New York City. As a CPA, he began his career at KPMG in their New York audit practices division. He spent nearly two years as a Private Equity Controller at Old Lane, a $4.5 billion hedge fund. Additionally, he has four years experience as a Vice President in the Asset Management Group at the global firm, Swiss Re. Shannon applies this wealth of managerial experience and finance skills to help create superior investment portfolios for his clients at The Yates Group. Shannon is active in alumni and professional organizations. He is a member of the University of Kansas Alumni Association, the University of Kansas School of Business Alumni, the Sigma Chi Fraternity, and the Kansas Jayhawks Alumni Group. He also belongs to the networking groups, Jayhawks in Finance and the Strategic Partners of the Triad. Crystal Rogers Financial Planning Associate Senior Registered Associate Crystal Lambert is a Senior Registered Service Assistant and Financial Planning Associate at The Yates Group at Morgan Stanley. Her responsibilities include being the liaison for clients and managing all day-to-day operational needs. She has nearly 25 years of experience in the financial services industry and 17 years of experience at Morgan Stanley. With a strong background as both an administrator and a clientcentric associate, Crystal has extensive knowledge and understanding of the financial industry that greatly benefits clients and the team as a whole. THE YATES GROUP 7

8 Our Services Whatever your goals for the future, we want to help you reach them. Whether you want to fund your retirement, or create a lasting legacy for you and your family, we have the knowledge, skills, and passion to design a plan aimed at those targets. We are The Yates Group, a team of three Financial Advisors at Morgan Stanley with over 60 years of combined experience in the financial services industry. We focus on financial planning, retirement planning, and estate planning for individuals, families, corporate executives, and professional athletes. Our method is the same for all of our clients: we work closely with them to help articulate their goals and aspirations for themselves, their loved ones, and their businesses. Then we thoughtfully create a wealth management strategy based on our clients objectives being mindful of risk mitigation, tax issues, and changing economic conditions. We regularly review their portfolios with our clients to make sure that their plans are on track towards their goals. We are deeply committed to and highly skilled at sophisticated research and data analysis. We love the study of finance its details and its complexity. With our advanced certifications, our team is different from many others in the field. For example, Bryan is a Certified Financial Planner, a Certified Investment Management Analyst, an Accredited Investment Fiduciary Analyst, a Certified Portfolio Manager, and an Estate Planning Consultant. Our team relies on that mastery in combination with our many years in finance to create comprehensive investment plans aimed at helping our clients reach their dreams. Our roots run deep in Winston- Salem, and we pride ourselves on our local ties. We are proud of the service we have provided to our clients over the years, and we are honored by the trust they have placed in us. We welcome the opportunity to talk with you and your family about your dreams for the future and the ways in which we can help you reach them. 8 MORGAN STANLEY

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10 Four-step wealth management plan Whether your financial goal is to grow wealth, preserve it or pass it on to others, we have developed and refined a comprehensive four-part plan to help assess, strategize, implement and continually evaluate your investment strategy 1.) Discover Help you assess your current financial situation Discuss your financial and life goals Talk about objectives for your family and your lasting legacy Help define your investment time frame and level of risk 2.) Create Help create a customized investment strategy based on your specific needs and risk tolerance Provide portfolio design, goal-oriented asset allocation and solutions for income needs Develop step-by-step financial plans, education plans and charitable giving plans Use the financial planning process to assess your retirement needs, college savings, charitable giving, etc. Advise on company sponsored plans: 401k, stock options/grants and deferred compensation Study cash flow and liability requirements Seek to develop strategies to help minimize tax liabilities 3.) Act Provide a step-by-step investment implementation plan involving investment, retirement, trust services, cash management and insurance solutions based on your needs Integrate your equity compensation and other employer benefits into your investment strategy Offer consultation with your attorneys and tax advisors to ensure a unified plan moving forward 4.) Adjust Continually assess investment allocation to determine if adjustments are needed Conduct formal reviews throughout the year to monitor your progress Adapt strategies based on the changing tax and regulatory environments Adjust for life events, varying interest rates, and market cycles 10 MORGAN STANLEY

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12 Our Beliefs You are our neighbors. We are proud of our community, its people, its businesses, and its great University. We have worked with our neighbors here in the Winston-Salem area for decades, and we are honored by the trust they have placed in us. We love the details. Our team relishes the complexity and theory of finance. We use the most current information and advanced data analysis to create financial plans for our clients. We study, evaluate, review, and adjust your plans according to changes in the markets as well as changes in your goals. Resources second to none. As Morgan Stanley Financial Advisors, our analysis is informed by some of the best minds, research, and ideas in the industry combined with a premier trading platform. Our firm offers you the intimacy of a neighborhood business backed by the resources of a global investment bank. Knowledge is power in the financial industry. We believe in investing with intelligence. We keep current in our training, in our reading, and in advanced certifications. To us, using the most up-to-date information and always refining our skills are our best means to help you and your family manage your wealth and reach your goals. Clear and consistent communication is paramount We value the relationships we form with our clients, and we will always keep you informed. We want to hear your questions and listen to your concerns. We will regularly update you and together discuss the progress of your plan. 12 MORGAN STANLEY

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14 Morgan Stanley Recognition The Yates Group is supported by the full breadth and depth of Morgan Stanley, a global firm that has been recognized in many ways for integrity and excellence by clients, the financial press, and by competitors. Nearly $65 Billion in equity capital (1) $2 Trillion in client assets (2) Industry leading insights delivered by the Morgan Stanley Global Investment Committee Coverage tracking by Morgan Stanley & Co. research analysts more than 3,000 companies globally (3) Research generated by Consulting Group Investment Advisor Research, a 60-person in-house team covering 1,000 investment products and asset managers. Full-access to the firm s wealth planning centers, attorneys and financial professionals who provide sophisticated estate planning tools. For suitable investors, access to a team of dedicated research analysts tracking alternative investment strategies implemented by the most sought after fund managers. (1): Information for Morgan Stanley as of July 18, 2013 (2): Information for Morgan Stanley as of June 30, 2012 (3): Information for Morgan Stanley & Co. as of September 18, 2013 (4): Information for Morgan Stanley s Consulting Group as of September 24, MORGAN STANLEY

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17 For Life's Most Important Goals With experienced professionals and the right resources, reaching your most important goals can be less challenging and more rewarding. We are ready to help you meet your goals, by combining our insights into your needs with the resources of Morgan Stanley. Setting a confident course Thorough, thoughtful planning planning that analyzes where you are as well as where you want to go is the most important step in establishing a path to your goals. We will work with you to explore and define your objectives and needs, and then structure a plan that is uniquely your own. Balance sheet analysis Multigenerational planning Strategic consulting and transactions THE YATES GROUP 17

18 Let s get started. We at The Yates Group want to be your financial ally as you prepare for all of life s stages. We will help you identify your goals, and we will do painstaking research and analysis to choose the right investment portfolio for you. To do this, we will devote our skills, our advanced training, and our knowledge derived from 60 combined years in the financial services industry. We make our clients priorities our priorities. We live and work locally, so we understand the issues our neighbors face in saving for their future. Helping members of this community prepare for events like retirement and their children s education has been our mission for many years. Please contact us today. We welcome the opportunity to talk with you and to show you how The Yates Group can help you reach your goals for yourself and your loved ones. Sincerely, 18 MORGAN STANLEY

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20 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 Smith Barney LLC recommends that investors independently evaluate particular investments and strategies, and encourages investors to seek the advice of a Financial Advisor.The appropriateness of a particular investment or strategy will depend on an investors individual circumstances and objectives Morgan Stanley Smith Barney LLC. Member SIPC /2015 CRC