The Nolan Group at Morgan Stanley Smith Barney
125 High St., Floor 24 Boston, MA 02110 617-478-6403 / MAIN 617-249-0308 / FAX http://fa.morganstanleyindividual.c om/thenolangroup/ leonard.nolan@mssb.com timothy.nolan@mssb.com elizabeth.malin@mssb.com
We, at The Nolan Group, believe success in achieving important financial goals starts with a comprehensive wealth strategy. We work with individuals, nonprofits, business owners, corporate executives and their families on wealth management and financial planning strategies. We guide our clients through all phases of the wealth planning cycle. We take the time to sit down with our clients to discuss all aspects of present, past and future financial planning including accumulating wealth, family and asset preservation, retirement income planning strategies, long-term care and wealth transfer. We personally tailor investments to your needs and suitability because your financial success is our first priority. We use the top-notch resources and intellectual capital of Morgan Stanley Smith Barney to help you attain your wealth management goals to support your lifestyle and legacy. THE NOLAN GROUP 3
Meet the Professionals 4 MORGAN STANLEY SMITH BARNEY
Leonard F. Nolan, ChFC Senior Vice President Financial Advisor Carroll School of Management at Boston College where he was an Accounting major. He serves on the Membership Committee of The Boston College Club. Len and his wife Arlene have seven children and a growing number of grandchildren. He enjoys golfing, running, and spending time with his family on Cape Cod. Len is a Senior Vice President and Financial Advisor with The Nolan Group at Morgan Stanley Smith Barney. He also serves on the Morgan Stanley Smith Barney Business Owner Executive Council (BOEC). The BOEC is invitation-only and reserved for the top 2% of financial advisors that focus their practice on helping small and middle market business owners connect the pieces of their financial life with an overall strategy that considers both their business and personal wealth management plans. Len holds his Chartered Divorce Financial Analyst (CDFA ) designation; the FINRA Series 7 and 66 securities licenses; and the life, health, and variable insurance licenses. Len is a graduate of the Wallace E. THE NOLAN GROUP 5
Timothy J. Nolan, CIMA Investment Management Consultant Wealth Advisor Wealth Advisor Tim is a Vice President and Wealth Advisor with The Nolan Group at Morgan Stanley Smith Barney. He began his career as a risk management consultant at Deloitte & Touché in Boston. He then served as a Vice President and Financial Planning Specialist at The Nolan Group at Smith Barney. Tim received undergraduate degrees in both Finance and Information Systems from the Wallace E. Carroll School of Management at Boston College. He holds the Certified Investment Management Analyst Designation (CIMA ) from The Wharton School of Business at the University of Pennsylvania and obtained the Investment Management Consultant, IMC, designation from Morgan Stanley s Consultants University at the University of Chicago s Booth School of Business. He holds his FINRA Series 7, 31, and 66 licenses along with his life, health, and variable insurance licenses. Tim is a member of The Ancient and Honorable Artillery Company of Massachusetts, The Order of Malta, and The Clover Club of Boston. He also has the honor of serving as a Board of Director and on the finance committee of the St. Francis House Day Shelter for the Homeless in Boston. Tim and his wife Carolyn enjoy golf, travel, and volunteerism. 6 MORGAN STANLEY SMITH BARNEY
Managing Business and Personal Wealth As a business owner, you know that your business finances and personal finances are closely linked, and that managing them requires an integrated approach. Our first goal will be to develop an understanding of the dual dimensions of your financial life an understanding of how you built your wealth, where you are today, and where you want to be tomorrow. Only then can we effectively suggest how your personal assets can support your business growth, and how your business can help you to meet your personal goals. Together, we will undertake a five step process: 1 Setting your financial objectives We begin by thoroughly reviewing your current financial resources, objectives and other circumstances that might influence your investment strategy. We will discuss your time horizon and tolerance for risk, as well as any current and potential liabilities. Importantly, we will also examine your business s financial characteristics and performance, its day-today cash needs, and strategies and financial requirements for growth. 2 Developing your financial management strategy Working from our understanding of you and your personal and business objectives, we will propose financial strategies designed to help you meet those goals. Our advice may encompass issues such as retirement planning, business continuation and succession, debt restructuring, tax minimization potential and wealth transfer. You will also receive an asset allocation strategy designed to provide diversification for your portfolio. 8 MORGAN STANLEY SMITH BARNEY
3 Implementing your investment strategy After we have discussed and refined your strategy, the team will work 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 indepth 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. 5 Reviewing objectives and performance Milestones like marriage, children and grandchildren, buying and selling a home, retirement, and starting another business or selling your current one can all have an effect on your plan and on the right course to meeting your objectives. The team will frequently and systematically review your wealth plan with you so we can help you adapt to changes in your life. And we will work with you to evaluate your investment portfolio over time, suggesting adjustments as necessary, so that your investment strategy continuously reflects your evolving needs and goals. 4 Providing business solutions Based on our analysis of your business challenges and obstacles, we will consult with specialists throughout Morgan Stanley Smith Barney who can structure and deliver services to help you take your business to the next level. THE NOLAN GROUP 9
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. 10 MORGAN STANLEY SMITH BARNEY
Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Smith Barney 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 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 (Morgan Stanley Smith Barney) is a registered brokerdealer, not a bank. Where appropriate, Morgan Stanley Smith Barney 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 Smith Barney, member SIPC, 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. 2012 Morgan Stanley Smith Barney LLC. Member SIPC. 257404 03/2012