The Gravelle Group at Morgan Stanley. Providing Comprehensive Wealth Management for Dental Professionals since 2002

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1 The Gravelle Group at Morgan Stanley Providing Comprehensive Wealth Management for Dental Professionals since 2002

2 50 N. Laura Street Suite 2000, Jacksonville, FL / MAIN / CELL / TOLL-FREE / FAX kirk.gravelle@morganstanley.com

3 The Gravelle Group at Morgan Stanley Since 2002, We have been helping coordinate the financial affairs of Dental Professionals throughout Florida. Our clients receive estate planning advice, business succession planning, disciplined investment management and a commitment to exceptional service. THE GRAVELLE GROUP 3

4 Meet the Professionals Kirk L Gravelle, CFP, CIMA Senior Investment Consultant First Vice President Financial Advisor With over 19 years of experience in the industry, I offer you a seasoned professional who is motivated and competent to assist you in coordinating your financial affairs. I am uniquely qualified to serve the complicated fiscal needs of dental professionals. A graduate of Western Illinois University with Bachelor s Degrees in Industrial Technology and Finance, as well as a minor in Agricultural Economics, I continue to expand my knowledge through lectures by renowned experts and courses in wealth management at schools such as the prestigious Wharton School of Business and the Kellogg School of Management. Working with dental professionals since 2002, beginning with my own orthodontist, I have come to admire and respect the clients with whom I have worked. I have been actively involved with and contributed to several local dental groups, including the Jacksonville and Clay County Dental Societies, the St. Johns Dental Society, the Northeast District Dental Association, various study clubs, and the FDNC. My team of financial professionals has helped several of your peers in managing their unique financial pictures. In addition to personal financial planning, we provide several valuable practice-oriented services, both for growing practices and practices in transition. By assisting with lending needs, reviewing and helping to fund buy-sell agreements, customizing practice retirement plans, as well as business and cash flow analysis, we work closely with each client to make their own practices as successful as possible. And with an advisory board made up entirely of dentists, we keep an eye on providing that high level of service that is important to you. As an active member of my community, I am involved with my local church, am a member of the Jacksonville Golf & Country Club, and in Rotary International. I have lived and worked in the Jacksonville area since In my spare time, I enjoy golfing and spending time with my wife, Anna, and our three children, Brianna, Christian, and Genevieve. 4 MORGAN STANLEY

5 Omar W Hammad-Randolph Financial Advisor After graduating Babson College with a dual major in Finance and Economics, Omar started a successful South Florida restaurant chain followed by a number of consulting and real estate projects prior to joining Morgan Stanley Wealth Management in His passion lies with working on complex issues business owners and executives face from cash flow management to exit strategy. Omar also enjoys helping ensure families and individuals are properly invested to endure market cycles through careful planning. Omar provides support in the team s business planning, asset allocation, and portfolio management. Omar grew up in Marbella Spain but has deep roots in South Florida.

6 Jason Pelletier Financial Planning Specialist Financial Advisor Jason was born and raised in Pensacola, Florida and after graduating from Escambia High School he enlisted in the United States Air Force as an F-16 fuel-systems mechanic. After serving in the armed forces he attended The University of West Alabama where he played football as a scholarship athlete, and later completed his B.S. in Business Administration at Kaplan University. Since moving back to Pensacola in late 2011, Jason has been with Morgan Stanley and serves as Treasurer for the Kiwanis Club of Big Lagoon Foundation and the Perdido Key Association. Jason, his wife Kerry and newborn daughter Sofia live in Pensacola, Florida. Federico Gambineri Financial Advisor Born in Rome, Italy, Federico has split time between Italy and Florida and graduated from the Florida State University in While completing his Bachelor's degree in Finance, with a minor in Psychology, Federico interned for two summers in the Finance department at Euromoney Institutional Investor in New York City. In 2012, he went on to earn a Master's degree in Sport Management from the Florida State University. Since joining Morgan Stanley in 2013, Federico has earned his Series 7, Series 66 and Life, Health, and Variable Annuity licenses. He currently resides in Tallahassee, Florida where he enjoys participating in CIAO!, the Capital Italian American Organization and alumni activities at Florida State University. Jason Fidurski Financial Advisor Jason Fidurski is a Financial Advisor at Morgan Stanley in Naples, Florida. Over the last twenty years he has become skilled in financial planning and investment management. His focus is to work towards maximizing the value of his client s family capital while pursing the family s shared values and creating an enduring family legacy. Originally from Pittsburgh, Jason graduated Magna Cum Laude from Duquesne University in 1994 with a Bachelors of Science degree in Accounting and then went on to complete his MBA with a concentration in Finance with High Honors in He also holds the Accredited Wealth Management Advisor designation through the College of Financial Planning. Outside of office, Jason enjoys tennis, weight lifting, and is an active member of the Naples Ski Club. 6 MORGAN STANLEY

7 Clyde Jensen Financial Advisor Thomas Craig Financial Advisor Melissa Bailey Senior Client Service Associate Clyde earned his baccalaureate degree in Electrical Engineering from the University of South Florida in the spring of He started his career with Raytheon Company. While there he successfully negotiated government contracts, while designing military satellite and communications systems as one of their talented engineers. Starting in Financial Services in 2009, and joining Morgan Stanley in 2012, Clyde has thrived in solving complex issues for individuals and business owners alike. He also holds the designation of Accredited Asset Management Specialist. Clyde currently resides in Valrico, where he enjoys golfing and spending time with his wife, Bekah, and their three children: Alysse, Ella and Colton. An active member in the community, he is involved at the Crossing Church and is a past Honorary Mayor of Riverview. After graduating from Catholic University s Columbus School of Law, Thomas spent three years in the legal profession in northern New Jersey before joining Smith Barney in Thom built his practice focusing on business owners, primarily working with attorneys, doctors and transportation companies. He then was recruited by Barclay s ishares to help open and grow their east coast sales team prior to their sale to BlackRock. In 2013, Thom, his wife Molly and their daughter Riley moved to Lady Lake, Florida and he joined Morgan Stanley. In continuing to build his practice, he seeks to find accumulation and distribution strategies that fit the individual goals of his clients, believing that each phase of life requires a tailored approach to investing. He has been active with both the ALS Society of America and the March of Dimes charities. Born in Hahn, Germany, into a military family, Melissa grew up in Georgia and graduated from Valdosta State University. Earning her Bachelors degree in Economics, she began her career working in sales and customer service. Presented with the opportunity to work in an area closer to her field of study, she entered the financial services industry in 2006 starting in operations. She quickly moved up in the organization to become a valued member of a financial services team. Melissa is responsible for providing excellent customer service and operational oversight for her Financial Advisors. When she is not busy making sure the practice is running smoothly, she enjoys spending time with her husband Jason, and their newborn son Noah. THE GRAVELLE GROUP 7

8 We Work to Understand the Full Scope of Your Financial Picture It starts with listening. We ask questions regarding your needs and dreams, your tolerance for risk, your time horizon and then listen. It s an ongoing process through which we strive to know all we can about you, your family, your business (if applicable) and your short- and long-term goals. This period of discovery helps us make informed recommendations and design a flexible wealth management plan that is uniquely yours Discovery process Identify your goals, values, dreams, special concerns/challenges 2 Develop investment strategy Determine risk tolerance Analyze current investment portfolio Develop asset allocation strategy Portfolio construction 8 MORGAN STANLEY

9 The Client Experience Investment strategy meeting In-person meeting to present recommended investment strategy 5 Follow-up meeting In-person meeting to discuss: First statements Organization of paperwork Set up online account access (and review online resources) Develop schedule for 7 Wealth management plan meeting In-person meeting to present comprehensive wealth management strategies 9 Ongoing monitoring of investment strategy and wealth management plan Develop schedule for review meetings future review meetings Schedule wealth management plan meeting 4 Execution of investment strategy Open new accounts Transfer existing assets Conduct trades to execute agreed-upon investment strategy 6 Develop comprehensive wealth management plan Financial planning Retirement planning Access to banking and lending services Education planning Business succession planning Charitable giving Family dynamics Estate planning management plan meeting 8 Execute wealth management plan Ongoing execution of wealth management strategies 10 Re-evaluate investment strategy based on changes to goals, objectives and/or expectations Adjust investment portfolio and/or wealth management plan in light of any changes CRC# /2014

10 Asset Allocation and Portfolio Planning We will work together using a process that focuses on you and your goals, integrating investment decisions with pressing financial needs and desired aspirations. Moreover, we will support you and your strategy with the resources and perspective of one of the world s largest financial firms. 1 Before we can advise you, we must understand you and your goals. We will guide you through an extensive discovery process to identify your objectives, time horizon, tolerance for risk and other considerations that may play a role in shaping your investment strategy. 10 MORGAN STANLEY

11 Discover Diversify 2 When our analysis is complete, we will present you with a comprehensive plan and asset allocation that helps to identify appropriate diversification strategies. Designed to help you meet your specific needs, these recommendations may address areas such as retirement, education expenses, estate planning and minimizing taxes. Review Implement 3 The team will work closely with you to bring the elements of your plan to life, helping you to select from the hundreds of investment management firms available to you, and identify specific stocks, bonds and other securities that may be suitable for your portfolio. Then we will closely monitor your portfolio. 4 We will review your portfolio together at your request. And when your circumstances change, the team will work with you to revise your strategy and reposition your assets to reflect your new needs and goals.

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13 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 Retirement planning Education planning Estate planning Insurance Shaping your retirement Together, we can work to make decisions that could help you move toward the retirement you expect. Whether you are building retirement wealth or making the transition to generating income from your assets, We can help you develop and implement a strategy based on your vision of retirement. Strengthening your business The links between business ownership and personal wealth are many and complex. Whether your objective is to grow your business, realize its value through a succession strategy or sale, or maintain family ownership by the next generation, we can examine your alternatives in light of both business and personal objectives. And, should circumstance require it, we can use the access to banking services of Morgan Stanley. Credit facilities Cash management Retirement plans Strategic consulting and transactions Succession planning Meeting current liquidity and banking needs Managing personal cash and securing liquidity for personal needs and opportunities are the day-to-day aspects of implementing a financial strategy. We can help you meet your personal cash management and borrowing needs while thinking strategically about how approaches may affect current and longterm costs and taxes. Home finance Lending services Debt restructuring Securities-backed loans THE GRAVELLE GROUP 13

14 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. 14 MORGAN STANLEY

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16 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 /2014 CRC