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2 our mission By combining the experience and skills of The 17th Street Group at Morgan Stanley Smith Barney, we deliver tailored investment strategies designed to help you manage and preserve your wealth. We believe each client relationship begins with a careful consideration of your long-term objectives. We seek to grow that relationship by consistently seeking to meet your financial needs and continuously striving to transcend your expectations. The 17th Street Group focuses completely on your objectives so you can spend your time on the things that matter most to you. our vision The 17th Street Group at Morgan Stanley Smith Barney places high value on relationships. We form our relationships with you based on integrity, accountability and understanding. We endeavor to build equally meaningful relationships with your future generations. Our goals are to know you and your family well by learning the things that you value, while adapting the vast resources of Morgan Stanley Smith Barney to support your financial needs.
3 meet the professionals who bring you many years experience in the brokerage industry, all with Morgan Stanley Smith Barney or its predecessor firms William M. Ott, CFP Senior Vice President Wealth Management Senior Investment Management Specialist/Financial Advisor Bill has been with Morgan Stanley Smith Barney and its predecessor firms since Bill originally joined E.F. Hutton as an Account Executive and remained in downtown Denver with Shearson Lehman Hutton and its successor companies through the merger in Bill holds a Bachelor s degree from Willamette University and a Master of Business Administration degree from United States International University. He avidly pursues continuing education through numerous courses and seminars. Bill earned the CERTIFIED FINANCIAL PLANNER (CFP ) designation in February of 2005, and in 2009 was awarded the CRPC, Chartered Retirement Planning Counselor SM by the College For Financial Planning. This background gives Bill the educational foundation and professional experience to help you facilitate your investment planning. Bill served two and a half tours of duty in Southeast Asia as a Naval Officer. His interests include snow skiing, cycling and traveling, as well as reading for enjoyment and professional research. He holds a first degree Black Belt in Kung Fu. Left to right: William Ott, Carter Dammen, Valerie Usnick Carter K. Dammen First Vice President Wealth Management Senior Investment Management Consultant/Financial Advisor Carter joined Morgan Stanley Smith Barney, successor to Shearson Lehman Brothers, in Prior to joining the firm, Carter spent three years with the Bank of America Mortgage Securities Division. He has extensive experience in providing families sophisticated advice and strategic guidance to capitalize on opportunities to preserve, grow and transfer their wealth. Carter received a degree in Economics and Business from the University of Minnesota in In 1995 he completed the CERTIFIED FINANCIAL PLANNER (CFP ) Professional Education Program. In 2009 Carter was recognized as one of the Best Personal Wealth Managers in the Denver area as Published by 5280 Magazine. When he is not involved in the activities of his three children, Carter s interests include snow and water skiing, mountain biking, and fishing. He is also active with Make-A-Wish Foundation, Brent s Place and the Denver Area Council of the Boy Scouts of America where he is an Eagle Boy Scout.
4 Valerie J. Usnick Senior Registered Associate Valerie has been with Morgan Stanley Smith Barney and its predecessor firms since Valerie originally joined Shearson Hayden Stone and, like Bill, has been with the same firm and its successor companies. As a former Branch Operations Manager, Val s extensive knowledge of financial products and systems used to service accounts has been a valuable asset in working with our clients. Raised in the Midwest, Valerie is the oldest of 11 children. She, along with her husband, Mike, enjoys outdoor sports, especially golf and tennis. strategic partners Tonya J. Kaye Financial Planning Specialist Morgan Stanley Smith Barney, Denver, CO David C. Johnson, CPA Regional Specialist The Insurance Group Morgan Stanley Smith Barney, Denver, CO As a former practicing attorney, Tonya has experience with trust and estate planning, as well as wealth transfer and business succession. Tonya s role is to assist The 17th Street Group at Morgan Stanley Smith Barney in developing comprehensive financial plans for their clients. Tonya holds a Bachelor of Science degree in Business, cum laude, from the University of Colorado at Boulder, and a Juris Doctorate from George Washington University, National Law Center, Washington, D.C. Tonya is active in the Colorado Women s Chamber of Commerce (Board of Directors and Volunteer of the Year 2005), the Women s Vision Foundation (Liaisons Chairperson and Volunteer of the Year 2006), and the Colorado Women s Chamber Foundation (Chair of the Board of Directors). As a native of Colorado, Tonya enjoys skiing, golf and biking. Dave is a Certified Public Accountant with over 31 years of experience in estate planning, insurance analysis and supplemental income plans, though he does not offer tax advice to clients. He works with The 17th Street Group at Morgan Stanley Smith Barney by providing their clients with comprehensive insurance planning to help manage their risks, as well as estate preservation and wealth transfer. Dave holds a Bachelor s degree in Business from Coe College and has written and taught Personal Financial Planning courses for the American Institute of CPAs. He and his family enjoy many of Colorado s outdoor recreational activities. Other Morgan Stanley Smith Barney Professionals. The clients of The 17th Group at Morgan Stanley Smith Barney are further served by other Morgan Stanley Smith Barney professionals including experienced trust and estate attorneys, planning analysts and tax and business-valuation specialists who, working closely with their tax, legal and other professional advisors, will design strategic and tactical solutions for high-networth individuals. This relationship is designed to help personal and family values that are at the heart of all planning.
5 the way we do business Every investment begins with a plan. Every client is unique. As such, we begin our relationship with a comprehensive review of your goals, risk tolerance and lifestyle. We spend ample time listening to you and seeking to uncover hidden opportunities to expand on your aspirations. Here is an overview of the process we employ with our clients. Our investment process begins with helping you develop a comprehensive understanding of your present financial resources, liabilities and objectives, as well as the risk level with which you are comfortable. This is accomplished through the development of your investment profile. We believe that asset allocation is one of the most effective investment techniques investors can employ. Historical data has shown that the correct asset allocation policy can help provide diversification of your portfolio, aid returns, lower overall portfolio volatility, and help position your portfolio to take advantage of developing investment opportunities. The process centers on specifying the particular asset classes for your portfolio as well as the proportion of the portfolio that each class should comprise. Drawing on analysis and research of the capital markets conducted by the Consulting Group, we can assist in determining an asset mix or efficient portfolio that is appropriate for your risk and return objective. We access Morgan Stanley Smith Barney Consulting Group s comprehensive process to evaluate a broad array of investment management firms for the stewardship of clients portfolios. The process is designed to identify qualified investment management talent as well as to reconfirm regularly the qualifications and capabilities of firms currently managing the Consulting Group s clients assets. Consulting Group actively monitors and reevaluates investment management firms to ensure that they are adhering to their stated management style and maintaining the quality standards for which they were originally selected. The final step of the four-step process is a comprehensive Quarterly Review encompassing your investment objectives, your investment portfolio s performance and the investment manager s progress toward meeting your investment goals. More often it is the product of hard work and effective planning. However, maintaining a prudent investment process requires discipline and diligence. Simply monitoring and evaluating the thousands of different investment management firms can consume substantial time and resources. Here s our commitment to you. We: Put you and your interests first Seek to understand you, your personal financial needs, goals and values Help you to fully comprehend your investment choices so that you make well-informed decisions based on what s right for your situation Ensure that your concerns are our top priority Are available to spend ample time with you to discuss your portfolio and any financial matter that may affect you Diversification does not insure against loss
6 client-focused wealth management Financial Planning Retirement Planning Net-Worth Planning Education Planning & 529 Plans Income and Cash-Flow Analysis Stock Options Analysis Insurance Term Permanent Variable Annuities: Fixed, Immediate, Variable Business Services Retirement Plans: 401(k), Profit Sharing, Pension, SEP Business Continuation & Risk Management Financial Management Account Gain/Loss Reporting Bank Deposit Program Bill Pay Internet Access Travel & Rewards Program Estate Planning Estate Preservation Services Gifting & Liquidity, Philanthropic Gifting Trust Services Life Insurance Trusts Lending Services Home Financing Mortgages, Home Equity Loans Securities Based Lending Asset Management Morgan Stanley Smith Barney Advisor Open Architecture and Transparent Investment Advisor Platform Unified Managed Account Strategic & Tactical Asset Allocation models Consulting Group Institutional Asset Managers Securities Common & Preferred Stocks Bonds Government, Corporate & Tax-Exempt Municipals Certificates of Deposit (CDs) Equity Structured Products Structured Portfolios/UITs Depending of your state of residency, some bonds may be exempt from state and local taxes; however, interest may be subject to the federal alternative minimum tax.
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8 The 17 th Street Group at Morgan Stanley Smith Barney th Street, Suite 2800 Denver, CO phone (800) fax (303) website fa.smithbarney.com/17thstreetgroup William M. Ott CFP, CRPC Senior Vice President-Wealth Management Senior Investment Management Specialist/Financial Advisor Phone (303) Carter K. Dammen First Vice President-Wealth Management Senior Investment Management Consultant Phone (303) Valerie J. Usnick Senior Registered Associate Phone (303)
9 Morgan Stanley Smith Barney LLC and its affiliates do not provide tax or legal advice. To the extent that this material or any attachment concerns tax matters, it is not intended to be used and cannot be used by a taxpayer for the purpose of avoiding penalties that may be imposed by law. Any such taxpayer should seek advice based on the taxpayer s particular circumstances from an independent tax advisor. Borrowing against securities may not be suitable for everyone. If the value of the securities should decline below a minimum level, you may be subject to a collateral call without specific advance notice, requiring you to deposit additional cash or securities. If you cannot do so, all or a portion of your collateral could be liquidated, and a potentially taxable event could result. You are not entitled to choose which securities are sold or any extension of time to meet a collateral call. A concentrated portfolio holding a single or a few securities may be subject to greater risk of a collateral call than a diversified portfolio; a diversified portfolio will tend to be less subject to a sharp decline resulting from the negative performance of a single security. Availability, qualifications, and other restrictions may vary by state. Ask your Financial Advisor for details. A Morgan Stanley Smith Barney relationship does not have to be established or maintained to obtain the products or pricing offered as part of the Morgan Stanley Smith Barney Home Loan Program at Citibank. Home equity programs not available in AK. A default (stopping monthly payments) on a mortgage could result in the loss of pledged real estate, securities or both. Our policy does not permit clients to use the proceeds of a home loan to invest in the securities or related markets. Your Financial Advisor may receive compensation in connection with this lending program. Affiliates of Morgan Stanley Smith Barney may earn fees in connection with the funding, origination, and sale of a loan. All home loans and lines are made by Citibank, N.A., or CitiMortgage, Inc., equal housing lenders, and are subject to Citibank s and CitiMortgage s mortgage qualification. CitiMortgage does business as Citicorp Mortgage in NM. Citigroup Global Markets Inc., Citibank, N.A., and CitiMortgage, Inc., are subsidiaries of Citigroup Inc. Preferred securities can be called prior to maturity, which may reduce yield if purchased at a premium. Preferred securities may be subject to other call features or corporate restrictions that may have an effect similar to a call. Prices may fluctuate reflecting market interest rates and the issuer s credit status. Insurance products are offered through SBHU Life Agency, Inc. Since life insurance is 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 Morgan Stanley Smith Barney LLC. Member SIPC. Consulting Group and Investment Advisory Services are divisions of Morgan Stanley Smith Barney LLC.
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