The Yarkin GrOUP at MOrGan STanleY SMiTh BarneY

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1 The Yarkin GROUP at Morgan Stanley Smith Barney

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3 The Yarkin Group Welcome Introducing The Yarkin Group and The Florida Corporate Services Group at Morgan Stanley Smith Barney Business owners, corporate executives and high net worth individuals and families are confronted with the complex task of developing investment strategies and managing assets at a time when the global capital markets are changing at unprecedented speed. Despite a changing environment, we believe that one thing does not change: having an experienced advisor can better help you protect your wealth and create a legacy for future generations. The Yarkin Group at Morgan Stanley Smith Barney can help you meet those goals. Our team is comprised of ten experienced and highly trained professionals, each of whom brings different skills to our Group. Our team draws on over thirty years of industry experience, helping investors develop tailored investment and wealth planning strategies. Our areas of focus include estate and liability planning, asset management, insurance, along with retirement and wealth planning. We have weathered all types of market environments and draw on that experience to create strategies that are personalized to help meet the needs of each individual and family. We follow a disciplined process to deliver investment advice; a process that begins and ends with our clients. Our process starts with a detailed assessment of each client s long-term and short-term financial goals. Understanding your objectives along with our in-depth knowledge and focus on personalized service, permit us to help meet the needs of even the most challenging financial situations. We work with your other advisors (attorneys, accountants and trustees) to help build and preserve wealth through an objective, consultative process. At our fingertips, is access to the extensive wealth management services of Morgan Stanley Smith Barney, a leading provider in the financial services industry. This brochure provides more details on the range of services that we provide and helps explain how we can bring the global resources of one of the world s largest financial firms to help meet your unique and specific investment objectives. MORGAN STANLEY SMITH BARNEY 3

4 The Yarkin Group Personalized Wealth Management Services Personalized Wealth Management Services Our process begins with a detailed profiling session where we gather information and then we analyze that information to develop a highly customized strategy to help meet your specific needs. Then we draw on our experience and the depth of services available from Morgan Stanley Smith Barney s Wealth Planning Center to create a personal investment plan for you and your family. We can deliver a broad range of sophisticated private banking-type services that include: Comprehensive wealth plan. We use an integrated approach to involve planning for wealth transfer, asset protection, personalized investment plans, tax-optimized portfolios and business succession planning. Family wealth advice. We seek to maintain family unity across generations, by focusing on a family s mission and governance. We can help resolve family conflicts by serving as an objective source for conflict resolution and support. Philanthropic services. We can assist you in developing and implementing your philanthropic objectives through a highly personalized strategy. Investment management. Our team is especially trained in the delivery of institutional-caliber asset allocation strategies. We can help you select from some of the world s most recognized asset management or money management firms and develop a diversification strategy that includes both traditional and alternative investments. We are also well-versed in restricted stock advice and the management of concentrated positions. Aircraft advisory and finance. We can help you with consultative support for the acquisitions, financing and management of personal aircraft. Art advisory services. Our team can put you in touch with art professionals to help you decide how to build a collection, negotiate purchases or arrange sales. We can also help arrange loans against qualified art collections and handle the strategy and sale of estate collections. 4

5 Unique investment opportunities. We can draw on the strength and resources of an industry leader in capital markets and investment advice to invest in unique deals frequently reserved for institutional clients. Trust services. Our team can help arrange personal trust services and help your family determine appropriate trust strategies. Lending services. We can extend a consultative approach to your liquidity needs based on the belief that borrowing is equally as strategic as investing. Total Wealth Report ṢM We can deliver a unique tool that regularly aggregates your total net worth from every institution and accounts for every dollar and every asset including real estate and art collections into one concise report. Wealth organization and storage. Our services help you organize your most important documents and information in one location that is secure yet easily accessible by you or your designees. MORGAN STANLEY SMITH BARNEY 5

6 The Yarkin Group Customized Services for Corporate Executives Customized Services for Corporate Executives Senior corporate executives at public companies have special investment circumstances that require an advisor that is knowledgeable in deferred compensation, restricted securities, employee stock options and other types of equity compensation. Integrating these various types of compensation plans into an overall financial plan requires an advisor with skills and extensive knowledge. The Yarkin Group at Morgan Stanley Smith Barney has been assisting senior executives at public companies for over 20 years. Our Group has the skill and experience necessary to work with the most complex compensation plans. Our process includes: Lifestyle analysis. We work with you to help your family achieve its goals, while potentially reducing your taxes. We help you review and analyze your lifestyle and assess your future plans. We can make recommendations to fund family or charitable trusts, coordinate philanthropic objectives and find ways to help you create a family legacy. Asset protection and risk management. We help you identify areas where your investment goals may not be attained; then recommend strategies that help protect your assets, develop appropriate income streams, provide downside price protection, diversify portfolios, monetize restricted stock and create an efficient transfer of wealth to your heirs. Corporate executive services. Our team provides the experience you need to manage concentrated stock positions. We can help you guard against insider trading perceptions, help you trade while reducing signals to the market, borrow to unlock the value of restricted securities and help reduce capital gains taxes, among other services. Income and cash flow. We can help monetize restricted securities and other forms of executive compensation to fund the requirements of your lifestyle and help meet estate planning goals, in full compliance with trading regulations. 6

7 Wealth management and implementation. Our team can help ensure that your personal wealth planning needs are customized to your specific long-term objectives. Asset management. We offer the tailored investment advice you need in today s complex markets. We can integrate your concentrated positions with the rest of your portfolio both liquid and illiquid to develop a strategy that matches your overall wealth planning objectives. The Yarkin Group at Morgan Stanley Smith Barney is staffed with professionals knowledgeable in all aspects of executive compensations plans. We can help you manage these plans and develop strategies that fit your lifestyle and wealth management goals. MORGAN STANLEY SMITH BARNEY 7

8 The Yarkin Group Specialized Services for Private Business Owners Specialized Services for Private Business Owners From the start, your company and your personal wealth were intertwined. Most likely, they will continue to be throughout the life of your business. One of the areas of focus of The Yarkin Group at Morgan Stanley Smith Barney is to develop customized strategies for business owners that integrate estate and tax planning, liability planning and asset management. This planning is done with a multigenerational focus when there are multiple generations of family members who are involved with the family enterprise. When working with private business owners, our goal is to arrange strategies that help get your personal and business wealth working in tandem to increase the value of both. Our Group provides: Transactional banking and cash management services. These help you grow your business and can save you time and money. Services include deposit and treasury services, lockbox and receivable services, controlled disbursements and fraud alert. Financing strategies. We help you identify the best options for your business and personal balance sheets and can include term loans, credit lines, equipment acquisition or leasing, commercial real estate financing, securities-backed lending, asset-based and franchise financing, bridge and mezzanine financing, among other strategies. Pre-liquidity and succession planning. We can help you value your business and plan for succession and the distribution of assets. We can also arrange stock transfers, appropriate personal trusts and develop family partnership arrangements. Retirement plans. We can help you develop an appropriate retirement savings plan for your business and your employees. We can also help arrange tax-efficient retirement strategies for you and your key employees. 8

9 Risk management. Your business probably represents a significant portion of your income and net worth, which can bring associated risk management needs. We help you arrange key person insurance and buy-sell agreements, develop comprehensive financial plans and create strategies that will help you extract liquidity from your business. Merger and acquisition services. We can help you arrange full or partial business sales, recommend recapitalization strategies and provide corporate real estate advice. Comprehensive wealth management. As described in other sections of this brochure, our wealth management experience and advisory services are extensive and can help ensure the management of your total personal and business wealth. The Yarkin Group at Morgan Stanley Smith Barney is comprised of experienced professionals that can help today s business owners create a strategy to help reduce taxes while seeking to protect assets from liability. We provide a well-balanced program for managing both business and non-business assets. MORGAN STANLEY SMITH BARNEY 9

10 The Yarkin Group Meet the Professionals Meet the professionals Allan Yarkin is a Managing Director Wealth Management and Family Wealth Director of the Private Wealth Management Group at Morgan Stanley Smith Barney. He is the founding member and leading director for The Yarkin Group and the Florida Corporate Services Group located in Aventura, Florida. Allan Yarkin Managing Director Wealth Management Family Wealth Director Mr. Yarkin has successfully completed the stringent requirements to become a Family Wealth Director for our private wealth services group and is a member of Director s Council, a group that consists of the top 5% of financial advisors within the firm. He has more than three decades of experience developing customized wealth and investment strategies for affluent families, business owners and corporate executives. Mr. Yarkin has been nationally ranked by Barron s Magazine as one of the top 100 advisors* in the country. He has extensive knowledge in the area of restricted securities, liability planning, estate planning strategies and investment consulting. Mr. Yarkin and his team employ a disciplined approach to asset allocation, with an emphasis on the preservation of capital accompanied by tailored investment strategies for each client. Mr. Yarkin graduated from the University of California with a Bachelor of Arts in Political Science. Upon graduation he began his career in financial services with Dean Witter Reynolds in his hometown of San Francisco. Upon his move to Florida in 1978, he transferred to Loeb Rhodes, a predecessor firm of Morgan Stanley Smith Barney. Mr. Yarkin is active in numerous Florida charitable organizations and is married with two children. 10

11 Hank Boyce is a Senior Vice President Wealth Management and a Portfolio Manager for the Florida Corporate Services Group and The Yarkin Group at Morgan Stanley Smith Barney. He is a member of the firm s Portfolio Advisory Program and has attained the internal designation, Financial Planning Specialist. Hank Boyce, CFA Senior Vice President Wealth Management Portfolio Manager Financial Planning Specialist Mr. Boyce has more than three decades of experience in the financial services industry. His main area of concentration is portfolio construction, where he focuses on structuring the optimal portfolios with the least amount of risk in order to help meet the client s investment objectives. Mr. Boyce graduated from Wake Forest University with a Bachelor of Science Degree in Business. He also received an M.B.A. in Finance from Stetson University. He served as the Supervisor of Treasury Issues at the Federal Reserve Bank of Miami prior to joining The Yarkin Group. He is a Chartered Financial Analyst (CFA) and a past president of the Miami Society of Financial Analysts. He is a founding member and current Vice President of Becca s Closet, a charitable organization created as a legacy to Rebecca Kirtman. Becca s Closet provides formal attire to high school students who otherwise would not be able to attend their prom or homecoming. Mr. Boyce is married and has two children. MORGAN STANLEY SMITH BARNEY 11

12 The Yarkin Group Meet the Professionals Melissa Missy Fierman Group Administrator Melissa Missy Fierman is a Group Administrator for the Florida Corporate Services Group and The Yarkin Group at Morgan Stanley Smith Barney. Mrs. Fierman has been with the firm since 1985 and is responsible for overseeing the entire operational and administrative staff for the team. One of Mrs. Fierman s roles is to ensure that each client receives the highest caliber of support and personalized services. In addition to Mrs. Fierman s role as Group Administrator, she is also responsible for fixed income trading and specializes in the review and selection of investment management firms. She also assists with the development of tactical asset allocation recommendations that are appropriate for each client s investment strategy. Mrs. Fierman graduated from The Ohio State University with a Bachelor of Science Degree in Business. She is a past member of Alpha Kappa Psi professional business fraternity. Mrs. Fierman is married with two children. 12

13 Kevin Dowd is a Financial Advisor with the Florida Corporate Services Group and The Yarkin Group at Morgan Stanley Smith Barney. He is a member of the firm s prestigious Blue Chip Council. Kevin Dowd Second Vice President Financial Advisor Mr. Dowd focuses on providing insurance recommendations for clients of the team and has extensive experience developing insurance strategies for sophisticated estate planning purposes. He is also responsible for equity trading and assists with the development of tactical asset allocation recommendations that are appropriate for each client s investment strategy. He began his career in financial services as a Financial Advisor with Merrill Lynch before joining The Dreyfus Corporation as a senior advisor. Mr. Dowd attended Florida Atlantic University in Boca Raton Florida where he studied finance. He is married with two children. MORGAN STANLEY SMITH BARNEY 13

14 The Yarkin Group Meet the Professionals Laura Raybin Miller is a Financial Advisor for The Florida Corporate Services Group and The Yarkin Group at Morgan Stanley Smith Barney. Laura is responsible for ensuring that clients have access to the full breadth of sophisticated advisory capabilities and resources. Laura Raybin Miller Financial Advisor Laura joined The Yarkin Group from Bernstein Global Wealth Management where she was Vice President. Prior to joining Bernstein, she was Executive Director for State of Israel Bonds in Miami, where she worked closely advising a highly select group of families and institutions. She was responsible for developing strategies designed to help preserve and enhance wealth through the effective use of trusts, foundations, endowments and retirement plans. Due to her deep commitment to the community, Laura was chosen in 2000 as an appointee by the Governor of the State of Florida to serve as Commissioner of the South Broward Hospital District. She received a Bachelor of Science degree from Florida International University. She is the proud mother of a son who shares his mother s desire for community service and is a fireman and paramedic. 14

15 The Yarkin Group at Morgan Stanley Smith Barney delivers exceptional personal services and is fully committed to objectivity and customization in all aspects of our investment and wealth planning advice. We are dedicated to developing meaningful strategies to complex issues that are designed to help meet your future goals. The Yarkin Group Morgan Stanley Smith Barney, a global leader in wealth management, provides a range of products and services to individuals, businesses and institutions, including brokerage and investment advisory services, financial and wealth planning, credit and lending, cash management, annuities and insurance, retirement and trust. The firm serves clients worldwide that include corporations, governments, institutions and individuals from more than 600 offices in 36 countries. Jo-Ann Clifford Senior Client Service Associate Becky Epperly Registered Client Service Associate Maria Mandozzi Registered Client Service Associate Joe Porcelli Registered Client Service Associate Maria Strand Registered Operations Associate Jeanne Towne Senior Client Service Associate Deborah Markus Senior Client Service Associate MORGAN STANLEY SMITH BARNEY 15

16 The Yarkin Group and Florida Corporate Services Group at Morgan Stanley Smith Barney Biscayne Boulevard, 6th Floor Aventura, FL Telephone (305) Toll-Free (877) Facsimile (305) Website fa.smithbarney.com/floridacorporateservicesgroup 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. Diversification does not ensure against loss. *Barron s Top 100 Advisors, as identified by Barron s magazine, are ranked using quantitative and qualitative criteria and selected from a pool of over 7,000 nominations. Advisors in the Top 100 have a minimum of seven years of financial services experience and $600 million in assets under management. Quantitative factors considered in the ranking include assets under management and advisor revenue. Qualitative factors include length of service, compliance record, client retention, client satisfaction and community/philanthropic work. Interviews with senior management also weigh in the rankings. The rankings do not factor in investment performance, since such figures are unaudited and subject to the varying risk tolerance of individual clients. The rating may not be representative of any one client s experience because it reflects a sample of all of the experiences of the advisor s clients. The rating is not indicative of the advisor s future performance. Neither Morgan Stanley Smith Barney nor its financial advisors pay a fee to The Winner s Circle or Barron s in exchange for the rating. Barron s ( is America s premier financial magazine, renowned for its market-moving stories. Published by Dow Jones & Company since 1921, it reaches an influential audience of senior corporate decision makers, institutional investors, individual investors and financial professionals. With new content available every week in print and every business day online, Barron s provides readers with a comprehensive review of the market s recent activity, coupled with in-depth, sophisticated reports on what s likely to happen in the market in the days and weeks to come. As a result, Barron s is the financial information source these powerful people rely on for market information, ideas and insights they can use to increase their professional success and enhance their personal and financial well-being Morgan Stanley Smith Barney LLC, member SIPC. 01/