The Timberline Group at Morgan Stanley. Comprehensive wealth planning strategies for your life and legacy

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1 The Timberline Group at Morgan Stanley Comprehensive wealth planning strategies for your life and legacy

2 5390 Kietzke Lane Suite 200, Reno, NV / MAIN / FAX berlinegroup

3 We believe that managing wealth involves far more than managing an investment portfolio. It begins with developing a holistic, comprehensive understanding of who you are and the financial forces at work in your life. It means helping you understand and respond effectively to these forces. And, of course, it means helping you invest your assets in a way that reflects the realities of your life and the uniqueness of your long term goals. As Financial Advisors, we are committed to building a relationship of trust in which we can work closely with you to help you define your objectives, explore alternatives and choose the financial and investment strategies that are most appropriate for you. As our relationship evolves, we hope you will come to regard us as a valued resource and professionals who can help you make a more informed decision on any financial issue. Our most important goal: to help you achieve your objectives, providing guidance that helps your wealth do more for you. THE TIMBERLINE GROUP 3

4 Meet the Professionals The Timberline Group, K. Blumenthal CSA, A. Maldonado, CFP Financial Advisor, N. Frank Financial Advisor, S. Koozer CSA, R. Adamson Financial Advisor, L. Remington Financial 4 MORGAN STANLEY

5 Leonard Remington Senior Vice President - Wealth Management Financial Advisor Leonard Remington is a Family Wealth Advisor and Financial Advisor who has worked at Morgan Stanley and its predecessor firms since Leonard utilizes his three decades of experience to provide tailored planning and investment advice that helps families communicate about money and values, share their goals, and protect wealth across generations. His other areas of focus include Retirement Income Planning, Estate Planning strategies and Tax- Advantaged Investing. Leonard graduated from the University of Nevada in 1987 and enjoys the outdoors. Leonard is a board member for the Nevada Musuem of Art and My Hometown Heroes. He lives in Reno with his wife and their two daughters. Ryan L Adamson Senior Portfolio Manager Vice President - Wealth Management Financial Advisor Ryan Adamson is a Financial Advisor and Senior Portfolio Manager and is responsible for helping successful families, business owners, and individuals create and implement wealth management solutions. Ryan s areas of focus include Portfolio Management, Financial Planning, Retirement Income Planning, and Tax-Advantaged Investing. Ryan joined Morgan Stanley in Ryan is a graduate from Saint Mary s College of California with a Bachelor of Arts degree in philosophy. He also attended San Diego State University where he earned a Master of Arts degree in Political Science. Ryan currently lives in Incline Village, Nevada with his wife and daughter. He enjoys fly-fishing in his spare time. THE TIMBERLINE GROUP 5

6 Nick C Frank Senior Portfolio Manager Vice President - Wealth Management Financial Advisor Nick Frank brings 18 years of experience working in the securities trading and wealth management industry as a Financial Advisor and Senior Portfolio Manager. Nick assists families successfully implement detailed financial plans with an emphasis on wealth transfer. Nick other areas of focus are taxable and municipal fixed income, financial planning, and asset allocation. Nick joined Smith Barney in 1998 before the merger with Morgan Stanley in Nick graduated from the University of Nevada with a Bachelors in Business Management. While at the University of Nevada Nick was highly involved in student government as well as a member of Alpha Tau Omega fraternity. Nick is a lifelong Reno resident and continues to reside in Reno with his wife Sasha and their two sons Thomas and Adam. Nick enjoys travelling, golfing, and spending time with his family. 6 MORGAN STANLEY

7 Anthony J Maldonado, CFP Financial Advisor Anthony Maldonado is a Financial Advisor and CERTIFIED FINAN- CIAL PLANNER and is responsible for helping high-net worth families, business owners, and individuals create and implement financial planning and wealth management solutions. Anthony joined Morgan Stanley in 2013 from JPMorgan Chase in Los Angeles, where he managed portfolios for affluent families and businesses. Anthony graduated from California Lutheran University and prior to completing his education, he played football for the University of Nevada Wolf Pack. Anthony serves on the Finance Committee for Big Brothers Big Sisters Northern Nevada. Anthony is originally from the Reno, Nevada area and enjoys sports, the outdoors and spending time with his wife and two daughters. They currently reside in Sparks, Nevada. THE TIMBERLINE GROUP 7

8 Our Consultative Process Charting a prudent course to financial independence requires a well-conceived, personalized plan with defined long-term goals. Our wealth advisory consultative process can help you design a cohesive plan for the future that includes: 2 Analysis and recommendation 1 Discovery Before our first meeting, we suggest that you take a fresh inventory of your wealth, including where each asset is located and what it is worth. At that meeting, we will begin by exploring many questions to try to capture what matters most to you and fully understand what you want to accomplish with your wealth. We will talk about you, the kind of lifestyle you enjoy, what worries you and what you are passionate about. Our conversation will also explore your values, key relationships, total assets, preferred manner of communication, as well as identify the other professional advisors with whom you work. That way, our team can help you determine how all the facets of your financial situation could dovetail effectively. Based on our discussion, the team will analyze your personal and financial information, including liabilities, and assess risks and identify potential threats to your financial health. We will present you with a personalized plan that can help address your income and cash flow needs, borrowing requirements, asset protection, retirement planning, wealth transfer, philanthropy and other areas beyond investment management. By taking the additional time to carefully review these topics, we hope to make you comfortable with proposed investment strategies and service providers before implementing your wealth plan. 3 Implementation After you have approved your wealth plan, we will work closely with you to implement it, bringing an objective 8 MORGAN STANLEY

9 approach, and paying special attention to how the various parts of your plan can affect, enhance and integrate with each other. Wherever appropriate, we will suggest seeking additional, in-depth advice on particularly complex issues we have identified, including family dynamics, estate planning, lending, tax planning strategies and more. Whatever approach we decide on, the team will help you keep your investments on track. 4 Reviewing objectives We believe that ongoing communication is a vital component of our ongoing relationship, and we are committed to keeping abreast of your changing financial needs. Your financial documents provide the foundation for regular meetings, and the team will review your portfolio at your request and whenever you feel that your circumstances have changed. We will then seek to make certain that your assets are positioned according to your evolving needs. If necessary, we will suggest adjustments to your strategy to address changes in your circumstances or your objectives. 9

10 Morgan Stanley strives to offer clients the finest in financial thinking, products and execution to help them meet their individual needs and achieve their personal financial goals. When we work together, you ll benefit from personalized advice, objective guidance and dedication to your success as an investor. With access to Morgan Stanley s renowned global resources and investment opportunities, we can help you develop and maintain an optimal investment strategy. Our wealth management strategy will address key areas of your financial life beyond traditional investments and may incorporate diverse recommendations for building and protecting your wealth. 10 MORGAN STANLEY

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12 Morgan Stanley Smith Barney LLC ( Morgan Stanley ), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters. Asset Allocation does not guarantee a profit or protect against a loss in a declining financial market. 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. 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 /2016 CRC