The Culov Group at Morgan Stanley. Defining a path to your financial well-being.
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1 The Culov Group at Morgan Stanley Defining a path to your financial well-being.
2 50 FOUNTAIN PLAZA SUITE 800 BUFFALO, NY / MAIN / TOLL-FREE / FAX
3 The Culov Group at Morgan Stanley Leading our clients to their financial well-being by defining their goals and executing efficient, comprehensive, and well-established plans. As the financial world becomes more complex and investment choices multiply, careful planning becomes ever more important to helping you achieve your financial goals. As Advisors, our role is to work with you to develop a plan that lays out a clear path to your goals-a plan that we develop in collaboration with you. Together, we will explore a broad range of topics that influence your financial future - from your family situation to your career aspirations, from likely education expenses to the retirement you ultimately envision. What we learn will become the foundation for the financial and investment strategy based on who you are and where you want to go. Over time, we will revise your plan to reflect new aspirations and priorities, helping your plan keep pace as the markets change and your life unfolds. THE CULOV GROUP 3
4 Meet the Professionals 4 MORGAN STANLEY
5 Emir Culov Vice President Financial Advisor As a member of the financial industry since 1998, Emir has advised and helped his clients to plan their future. While working in wealth management, he developed a background that enables him to help provide customized financial plans that connect cash management, landing and estate funding to customized investment strategies. He has received the HSBC Leadership Club award for outstanding performance in Wealth Management in 2007, 2008, 2009, and He was also awarded Advisor of the year for HSBC s upstate New York division in 2007 and Emir was named 2011 and 2012 FIVE STAR: Best in Client Satisfaction Wealth Managers by Buffalo Spree Magazine. Emir is firmly committed to long term relationships and strives to deliver exceptional service. He listens carefully to client's goals, values, aspirations and concerns and works to help them in achieving their financial objectives. As an alumnus of State University of New York, College at Brockport with a double-major in International Business and Political Science, Emir continued to expand his learning by completing his MBA from Rochester Institute of Technology with a concentration in Finance. He is an avid boating and motorcycling enthusiast. In his words, his family time is best spent traveling, skiing or on the water. Emir lives in East Aurora NY with his wife Amela and their two boys. THE CULOV GROUP 5
6 Amela Culov Vice President Financial Advisor Amela was born and raised in Bosnia where she attended Dental School. She attended Sarajevo University and then transferred to State University of New York where she received her Bachelor degree in International Business and Political Science. She then began her studies in finance at Rochester Institute of Technology and received her Master s in Business Administration. While working at a regional bank, Amela recognized her passion for helping people make the right, well informed, choices so they can be financially independent and seek to create and preserve the legacy they envisioned. Her extensive knowledge and experience in wealth planning, focusing on retirement and estate goals, complements our investment management and allows our group to help provide wealth planning to our clients. Amela was named 2011 FIVE STAR: Best in Client Satisfaction Wealth Managers Buffalo Spree Magazine. She lives in East Aurora with her husband Emir and sons, Mirza and Amar. Amela's hobbies are skiing, traveling, fashion and politics. Rebecca Rex Vice President Financial Advisor Rebecca s experience in the financial industry has spanned over twenty years, beginning in Northern Virginia, where she worked in retirement and wealth management departments in small regional banks to large global institutions. It was during this time that she recognized her keen ability to connect with people in helping them to obtain comfort with all their financial concerns. Her focus on comprehensive wealth planning involves the development of a holistic and disciplined approach to help ensure that 6 MORGAN STANLEY
7 each client s individual needs and goals are met. During the ten years that she has worked together with Emir and Amela, Rebecca completed her B.S. in Business Management at Houghton College and was recognized as one of the top relationship managers at her previous employer, based on accolades from her clients, colleagues, and superiors.rebecca lives in Hamburg, NY with her family and enjoys traveling, kayaking, snowboarding, and riding her Vespa to take in the sights of Western New York.
8 Alex Hamill Financial Advisor Alex graduated from Penn State University in 2008 with a double major in business and criminal law, he is currently attending Canisius College pursuing his Master s in Business Administration with a focus on finance. Alex believes his experience of business and law gives him a great foundation to work with clients developing an ethical, holistic approach to serving their needs. Alex began his career in the financial industry working throughout multiple areas of an international bank. Alex was highly recognized on serving the investment needs of high net- worth clients and business owners. His experiences allow him to help acquire and provide wealth planning to our clients. Alex lives in Buffalo, NY, where he enjoys spending time with friends and family. His volunteer work includes being a member of the WNY Penn State Alumni Association and The B Team a nonprofit organization dedicated to promoting civic pride in the Greater Buffalo Area. He enjoys golfing, boating, and watching Philadelphia sports. Matthew Richards Financial Advisor As a graduate of Mercyhurst University, Matt earned a B.A.A. in Finance and Management as well as competed for a national title with the Men s Soccer Team. In 2007, Matt began his career in the Financial Planning industry, where he developed his skills as a Relationship Manager for high net worth clients. Matt joined Morgan Stanley as a Financial Advisor in His continued drive for success, intellect, and competitive nature creates the proper foundation to pursue a career as a financial advisor. 8 MORGAN STANLEY
9 Currently, Matt focuses on helping to develop a holistic approach to retirement, and estate planning in order to pursue his client s financial aspirations. Working for one of the top tier firms gives his clients the opportunity to remain at the forefront of trends, changes, and best practices shaping the financial services industry. Matt currently lives in Buffalo, NY, where he spends his time with friends and family. His volunteer work includes working with the Clarence Soccer Club as a premier coach and development trainer for the past 5 years. Matt s hobbies include playing soccer, golf and boating.
10 Risk Management The ups and downs of the markets is just one kind of risk but so is not protecting my assets andmyfamily.howdo IprotectwhatIcare about most? Retirement When I retire, it will affect just about everything that matters: my lifestyle, my company, my family. Is there a waytoplanfor retirement that takes it all into account? Integrated Planning Decisions about both assets and liabilities need to be made in the framework of important life goals. What steps are also the most tax efficient? How can a strategic approach to banking and lending simplify my financial lifeandmaximizethevalue of what I own? Education Funding Will I be able to pay for a good education for my children and my grandchildren? Business Strategies HowdoImanagemy personal wealth with somuchtiedupin my company? Investment Management Ihavesomanygoals and priorities. How can one investment strategy balance them all? Liquidity Icanpredictsome expenses, but others IknowIcan t.how caniplantohave thecashineed? You Benefit from a Profound Understanding of the Full Range of Wealth Management Needs Estate Planning Making sure my estate goes to the people and organizations I care about is a priority.howdoi transform my assets into a legacy? Charitable Pursuits The charities I support are like extended family.howdoi maximize the good I can accomplish?
11 A CULTURE of EXCELLENCE OVER THE YEARS, YOU HAVE MADE MANY FINANCIAL DECISIONS. ONE IN PARTICULAR IS LIKELY TO HAVE A LASTING IMPACT ONYOURWELLBEINGANDTHATOFYOURFAMILY: THECHOICEOFAFINANCIALADVISOR. InvestorswhochooseMorganStanley oftentellusthattheirreasoningissimple. They choose a Financial Advisor and afirm thatmirrorsthevaluespropellingtheirownsuccess:acommitment toperformatthehighestlevelfortheir clients, with no shortcuts, compromises or excuses. A STRONG, STEADY FORCE IN A CHANGING INDUSTRY CEOandseniorteamwith deep wealth management experience 130 years of combined experience 800 global locations 17,600 Financial Advisors 7 million client accounts $1.7 trillion client assets VAST EXPERIENCE. Drawingonmany yearsofexperience,morganstanley understandstheimportanceofshaping relationships that reflect client needs, preferences and aspirations. OurfirmandFinancialAdvisorshave an in-depth understanding of virtually all the challenges, goals, preferences, styles and strategies that distinguish wealthyinvestors. Additionally, asatruly global financial institution, we have an equally acute knowledge of financial opportunitiesandthepotentialrisks. This combination positions us to helpdevelop,structureandexecute strategiesforyourmostimportant financial needs, from accumulating wealthtoinvestingforincome,from creating retirement reserves to devisingadistributionapproachthatmeets yourlifestyleandlegacygoals. INVESTMENT INSIGHT WITHOUT LIMITS. Asaclient,youhaveaccess tothestrategicandtacticalviewsof someoftheworld smostseasonedand respected investment professionals. The members of our Global Investment Committee develop strategies that guide themanagementofadvisoryaccounts andhelptoinformthedecisionsof clients across Morgan Stanley. Theteamiscurrentlysupported bytheworkof300analystsattwoof theworld slargestinvestmentbanks, MorganStanleyandCiti,whocoverkey geographicandeconomicsectors, aswell as 2,500 individual equity securities. Youalsobenefitfromapremiertradingandexecutionplatform.Thinkof our210capitalmarketsprofessionals as experienced, highly responsive and knowledgeable partners. PERFORMANCE THAT SEEKS TO MEET YOUR MEASURE. AmongthemostimportantskillsofourFinancialAdvisors istheabilitytolisten:tounderstand your financial needs and then align the resources to help meet them. Your Financial Advisor can help you evaluate immediate concerns and plan for long-termgoals,beasoundingboardfor yourinvestmentideas,andassistyouin developingandexecutingastrategythat ispreciselyyourownandhelpdeliver results that meet your needs. YourFinancialAdvisorisyouradvocatewithinourfirm,anintelligent editorwhoselectsandalignsthemany capabilities of Morgan Stanley for you, deliveringtherightresourcestoyou inthewaythatismostappropriate forhowyouinvestandwhatyouwant to achieve. ONE OF THE WORLD S STRONGEST INVEST- MENT ORGANIZATIONS STANDS BEHIND YOUR FINANCIAL ADVISOR Financial Advisors have access to top-flight research from both Morgan Stanley and Citi. Combined, they analyze and track the progress of more than 2,500 companies all over the world. Pleasereadimportantdisclosuresonthebackcoverofthisbrochure 9/ PS-2582
12 Your Life and Your Legacy Whatever your goals income, borrowing, risk management, charitable giving, just to name a few designing a holistic wealth management plan is our top priority. Drawing on our own insight, as well as Morgan Stanley s global research and experienced financial specialists, we are able to make informed recommendations and propose a flexible plan that is uniquely yours. RETIREMENT PLANNING Lifestyle review Risk review Pension and/or social security benefits analysis Retirement account assessment Retirement income plan Beneficiary review Health care/medicare planning 12 MORGAN STANLEY
13 Comprehensive Wealth Management Services INVESTMENT SERVICES AND PERSONAL INVESTING BUSINESS SUCCESSION PLANNING Asset allocation advice Investment advisory programs Capital markets services Traditional brokerage EXECUTIVE COMPENSATION MANAGEMENT Business needs review Cash management and capital needs assessment Business valuation Succession plan documents Succession plan funding ESTATE PLANNING FAMILY NEEDS PLANNING Financial planning Education planning Special needs child assessment and planning Planning for support of aging parents Concentrated stock services (monetizing, hedging) Rule 10b5-1 trading plans Stock option strategies Restricted securities (liquidation and risk management alternatives) Assist in estate and financial planning (particular to executive compensation management)* ACCESS TO BANKING AND LENDING SERVICES Review of wills, durable power of attorney (POA) for health care/poa living will and trusts Gifting Charitable giving Asset titling Estate tax funding Family dynamics/family meeting *Team will help assist with both in-house and outside advisors. CRC# /2012
14 Our group members strive to exceed clients' expectations through a client focused approach. We have the knowledge, skill, and support to fully service your needs and goals while using global reach and resources to provide value in investments, protection, and estate planning 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 - The FIVE STAR Wealth Managers do not pay a fee to be included in the research or the final list of FIVE STAR Best in Client Satisfaction Wealth Managers. - The overall evaluation score of a wealth manager reflects an average of all respondents and may not be representative of any one client s evaluation. - The inclusion of a wealth manager on the list should not be construed as an endorsement of the wealth manager by Crescendo or Westchester Magazine. - The rating is not indicative of the advisor s future performance. Morgan Stanley Financial Advisors do not provide tax or legal advice. This material was not intended or written to be used for the purpose of avoiding tax penalties that may be imposed on the taxpayer. 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. Morgan Stanley Smith Barney LLC offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please contact us to understand these differences. Morgan Stanley Smith Barney LLC is a registered brokerdealer, 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. Unless otherwise specifically disclosed to you in writing, investments and services offered through Morgan Stanley are not insured by the FDIC, are not deposits or other obligations of, or guaranteed by, banks and involve investment risks, including possible loss of principal amount invested. Asset allocation and diversification do not guarantee a profit or protect against loss Morgan Stanley Smith Barney LLC. Member SIPC /2012 CRC
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