The MCM Group at Morgan Stanley Smith Barney. Private Wealth Management

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1 The MCM Group at Morgan Stanley Smith Barney Private Wealth Management

2 10 Madison Ave 1st Floor, P.O. Box 1908, Morristown, NJ / MAIN / FAX fa.smithbarney.com/themcmgroupsb themcmgroup@mssb.com

3 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 MCM GROUP 3

4 Meet the Professionals Working with many types of individuals and families has given our team the experience, perspective and skill to help you build a solid financial future. You will work with professionals who can translate your goals into a practical and comprehensive wealth plan a unique approach to your financial future customized to you and your needs. Moreover, because we work as a team, you will always have access to a Financial Advisor who understands your specific goals and strategy. 4 MORGAN STANLEY SMITH BARNEY

5 Pamela and two sons. In addition to his professional designations, Tony holds the Series 6, 7, 31, 63, and 65 licenses, as well as being life and health/ long term care insurance licensed. Anthony Marino Family Wealth Director Senior Vice President Financial Planning Specialist Tony is a Senior Vice President, Family Wealth Director, and Financial Planning Specialist with Morgan Stanley Smith Barney. Tony has over 25 years experience providing sophisticated strategies for clients diverse wealth management needs. As a Family Wealth Director, he specializes in fixed income trading, lending, hedging and monetization strategies, and equity syndicate. Tony attended City University of New York for Business Management and completed his finance courses at Securities Training Corp., in NYC. Tony is a member of the Staten Island Tuna Club and he enjoys fishing, football, racquet ball, and spending time with family and friends. He resides in Staten Island, NY with his wife THE MCM GROUP 5

6 Matthew S. Coe Family Wealth Director Senior Vice President Financial Planning Specialist Matt brings over 25 years of financial services experience to the MCM Group at Morgan Stanley Smith Barney, where he is responsible for establishing and overseeing the group's efforts in areas involving asset management and discretionary portfolio management. Matt has worked at Morgan Stanley Smith Barney since 1995 and is a senior partner of the sixmember Group. For the second consecutive year, Matt has been recognized by NJ Monthly Magazine as a Top New Jersey Wealth Manager. Prior to joining Morgan Stanley Smith Barney, Matt spent 10 years with First Union Capital Markets in a similar capacity covering middle market institutions and high-net-worth clients. Having achieved the Family Wealth Director designation, Matt and his team are positioned to provide unparalleled access to experiences, resources, products and services to their high-net-worth clients. Matt has a B.A. in Political Science/Government from St. Lawrence University. He completed the Management Training Program at First Fidelity Bank in Matt lives in Chatham, New Jersey with his wife, Maureen, and three children. Matt's favorite pastime activities include skiing, tennis, and traveling. 6 MORGAN STANLEY SMITH BARNEY

7 he received his Certificate in Financial Planning. He serves on the board of the Arts Council of the Morris Area. Paul lives in Harding Township, NJ with his wife Gail and their two sons. Paul S. Mandel, CFP Financial Planning Specialist Senior Vice President Financial Advisor Paul Mandel, Senior Vice President of Wealth Management at Morgan Stanley Smith Barney has spent his entire career in the wealth management industry and has built his practice through his broad knowledge base in investments, insurance, estate planning and charitable giving. He is a Certified Financial Planner, a Financial Planning Specialist as well as a Masters Club member of Morgan Stanley Smith Barney. Paul is passionate about conducting a professional and effective discovery process and consistently helping to solve his client s financial issues. Paul attended Rutgers University in New Brunswick, NJ, where he received his BA in Economics, and Fairleigh Dickinson University where THE MCM GROUP 7

8 Todd E. Waters, CFP, CRPC Financial Planning Specialist Financial Advisor Todd is a CERTIFIED FINAN- CIAL PLANNER (CFP ), Chartered Retirement Planning CounselorSM (CRPC), and a partner of the MCM Group at Morgan Stanley Smith Barney. Todd has 9 years of industry experience (8 years with the MCM Group) and focuses on financial planning strategies and analysis. As a CFP certificant, Todd helps clients navigate financial and life transitions. He works collaboratively with clients to create customized, comprehensive financial plans designed to address financial blind spots. Additionally, Todd is the Group's life insurance, long term care, and annuity specialist. With that specialty, Todd provides clients with reviews of existing policies in addition to offering income replacement and wealth transfer solutions. Todd attended Rutgers University in New Brunswick, NJ, where he acquired his Bachelor s degree in Communication, with a minor concentration in Economics. Todd is a founding Board Member of the Apothecary Theatre Company in NYC, and currently resides in Morristown, NJ with his wife Laura. Together they enjoy traveling, exercising and participating in outdoor activities, including golf, tennis and skiing/ snowboarding. 8 MORGAN STANLEY SMITH BARNEY

9 Engineering. Deena is the Newark/Irvington chairperson of the University of Pennsylvania s Secondary School Committee and currently resides in Newark, NJ with her family. In her spare time she enjoys reading and spending time with family and friends. Deena T. Marchan Registered Marketing Associate Assistant Vice President Deena is the marketing associate on the MCM Group at Morgan Stanley Smith Barney. She has been with the firm for over 8 years and with the team for 5. She began her career as a sales assistant and obtained her Series 7, 66, and life and health insurance licenses. As the team s marketing associate Deena plays an integral role in the fact-finding/ discovery phase of financial planning, provides timely market information to clients, creates portfolio review reports, and updates our team website. Deena attended the University of Pennsylvania in Philadelphia, PA where she acquired her Bachelor s degree in Fine Arts with a graphic design concentration, along with a minor in Computer Science THE MCM GROUP 9

10 Catherine R. Ostenfeld Senior Registered Associate With over 20 years in the financial industry and a meticulous attention to detail, Cathy is well equipped to provide the high level of service that the clients of The MCM Group have come to expect and deserve. Though most of her career has been spent working directly with high net worth clients and their advisors, she also spent several years in branch operations, which has given her a unique insight into the inner workings of the branch office. This broad based knowledge of the retail brokerage industry is an asset to both the team and its clients. Cathy is Series 7 and Series 66 licensed. Over her career, Cathy has been the recipient of several recognition awards for providing a high level of service to both the advisors that she works with and their clients. Most recently, she was chosen to receive the Service Excellence Award for the first quarter of This award was designed to recognize Morgan Stanley Smith Barney employees who have exceeded their clients' expectations, demonstrated an outstanding repeatable service achievement and whose actions exhibit excellent service. Throughout her career Cathy has consistently performed her duties in this manner. She possesses a strong work ethic and is dedicated to providing world class service. In her spare time, Cathy enjoys spending time with her family, working on home improvement projects, outdoor activities and reading. She is also an active member of the Central New Jersey chapter of American Mensa and Mensa International. 10 MORGAN STANLEY SMITH BARNEY

11 Lauren Bushoven Client Service Associate Lauren is a client service associate with The MCM Group at Morgan Stanley Smith Barney. She has been in the financial services industry for two years and recently joined the firm. As a client service associate, Lauren is responsible for handling client requests, processing transactions, and assisting the financial advisors in the group with daily tasks. She currently holds her Series 7 and Series 24 licenses. Lauren graduated with a B.A. from Ramapo College of New Jersey. She currently resides in Wayne, New Jersey with her husband. When she s not at work, Lauren enjoys reading, playing the piano, and running.

12 Developing Your Wealth Management Strategy Individuals work hard to build wealth in pursuit of a meaningful life for themselves and their family. Your achievements reflect substantial effort, and we will work just as hard on your behalf, committing our experience and skills to helping you achieve your unique goals for your wealth. Moreover, we will support you and your strategy by accessing the resources and perspective of one of the world s largest financial firms. Before our team offers specific advice, however, we must understand who you are and what you want your wealth to accomplish. Working with you, we will complete a four-step process: 1 Setting your financial objectives We will begin our relationship by listening discussing a range of topics related to your financial needs and investment objectives: long-term life goals and expectations, possible major purchases, and legacy and charitable goals, if you have them. We will discuss your current financial resources, your time horizon for various goals, your tolerance for risk even how your liabilities are structured. If you own a business, we also might discuss your current banking and cash management needs. 2 Developing your wealth management strategy Based on your input, our advice will likely help address income and retirement planning, asset protection, investment management, strategic borrowing, wealth transfer and business succession. Of course, your plan will include an asset allocation strategy designed to help achieve your financial goals in light of your risk tolerance and investment time horizon. 12 MORGAN STANLEY SMITH BARNEY

13 3 Implementing your strategy After we have discussed and refined your strategy, the team works closely with you to bring the elements to life. Should we decide together that outside money managers are appropriate for you, we will draw on in-depth research and analysis to help you select from the hundreds of investment management firms available to you. If you prefer to invest in individual securities, we can help identify specific stocks, bonds and other securities that may be suitable for your portfolio. Whatever approach we decide on, the team will help you keep your strategy on track. 4 Reviewing your performance You will receive a quarterly review that outlines your portfolio s performance, helping you track progress toward your objectives. Moreover, when your personal situation or market conditions change significantly, we can suggest appropriate adjustments to your portfolio to help it remain aligned with your goals. 13

14 Morgan Stanley Smith Barney 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 Smith Barney 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 SMITH BARNEY

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16 Life insurance, disability income insurance, and long-term care insurance are offered through Morgan Stanley Smith Barney's licensed insurance agency affiliates. 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 Morgan Stanley Smith Barney LLC. Member SIPC /2012 CRC