The Park Bay Group at Morgan Stanley Smith Barney

The Park Bay Group at Morgan Stanley Smith Barney

We provide comprehensive wealth management advice and help connect all the pieces of your financial life. 2/MORGAN STANLEY SMITH BARNEY

Our Mission Through dedication, experience and service to our clients, The Park Bay Group at Morgan Stanley Smith Barney delivers strategies to help our clients manage and preserve wealth. We believe that our practice stands alone in its ability to provide advice on a client s comprehensive financial picture. Our team s strength lies in our ability to fully understand a client s needs and objectives, our skill in collaborating with a client s legal and tax advisors and our underlying goal of meeting and exceeding expectations. These qualities, combined with prompt, professional and personalized service help to build relationships that go beyond simple financial advice. Our Vision You are distinctly different from the next investor. Our relationship will be a lifeplanning collaboration, one that responds, and changes as the events in your life change. With the proper perspective and management, we envision helping our clients pursue their passions and leave a legacy for the people who matter most to them. To help our clients realize that vision for their future, we adapt wealth management strategies to help guide them through the stages of wealth: growing, preserving and transferring. It s our commitment to your future. MORGAN STANLEY SMITH BARNEY/3

Meet the Professionals 4/MORGAN STANLEY SMITH BARNEY Steven R. Miller, CIMA, CLTC Resident Manager Senior Vice President As a fully licensed investment professional since 1985, Steve s expertise lies in his ability to select and evaluate independent money mangers. Steve has earned the Certified Investment Management Analyst (CIMA*) designation from the Investment Management Consultant Association. The CIMA* designation recognizes those wealth managers who have sought to attain a higher certification and training in the money management industry. Steve has earned the CLTC designation and AIF designation. The Certified in Long Term Care (CLTC) designation shows that Steve has demonstrated excellence in understanding long-term and extendedcare solutions. The Accredited Investment Fiduciary (AIF) designation is conveyed upon those who have undertaken study and met examination requirements necessary to understand the role of the Fiduciary in today s world. In addition, Steve has served as a past co-chair of the Director s Advisory Group, which acts as a voice between the Senior Management of Morgan Stanley Smith Barney and the firm s Financial Advisors. Steve is firmly committed to long-term relationships and strives to deliver exceptional client service. He listens carefully to each individual s goals, values, aspirations and concerns. Based on this input, Steve then draws on the skill set of Heather D. Churchill, CFP, CRPS, CLTC Vice President Senior Investment Management Consultant Financial Planning Specialist Heather has focused her talents on the investment planning needs of our high net worth clients. She is responsible for designing and implementing financial plans that help our clients attain the lifestyle they aspire to. Heather is also highly involved with our corporate clients and their employees in choosing the most suitable retirement investments. Heather holds the Certified Financial Planner designation, which identifies those financial professionals that have committed themselves to a higher level of wealth planning advice, continuing education and ethical conduct. Heather has also earned two complementary designations; CLTC and AIF. The CLTC designation shows exemplary proficiency in Long Term Care and extended-needs planning and the AIF designation is awarded to advisors who have completed studies and have taken an exam to be an Accredited Investment Fiduciary. To assist with our corporate clients and their retirement plans, Heather has earned the Chartered Retirement Plans Specialist designation. Heather is an Orlando native and attended the University of Central Florida for both her bachelors degree in Management and her MBA. Heather enjoys travel, general aviation and boating. Heather is married to S. Coert Voorhees and they have a daughter; Kalina.

Justine C. Hyland Consulting Group Analyst Financial Planning Specialist Kathy J. Geary Registered Associate Curt M. Busby Registered Associate Justine has focused her talents on the investment planning needs of our high net worth clients. She is responsible for designing and implementing financial plans that help our clients attain the lifestyle they aspire to. Justine holds the title of Consulting Group Analyst, which identifies those financial professionals that have committed themselves to a higher level of wealth planning advice, continuing education and ethical conduct. Justine also has earned a Financial Planning Specialist designation which shows exemplary proficiency in financial planning to help clients map out and achieve their financial and retirement goals. Justine is a Michigan native and graduate of Michigan State University. Justine enjoys cooking and entertaining for family and friends, tennis, gardening and travel. Justine has two daughters, Jennifer and Michelle. Kathy Geary is a Registered Associate with 39 years of experience in the industry and has been with Morgan Stanley Smith Barney for 33 years. She assists with client service and administration, handles trading and service-related issues, new account processing and resolves operational issues. Kathy graduated from Colonial High School and the New York Institute of Finance and studied Brokerage Operations. Kathy has lived in Orlando for 41 years and has one son, Adrian. A Central Florida native, Curt began his career with Legg Mason Wood Walker in 2003. He has focused his abilities on the service end of the industry where he assists with daily operations of the branch. He has worked with The Park Bay Group since 2009 as a Registered Associate where his responsibilities center on day to day customer service. Curt has completed both the General Securities Representative (Series 7) and Uniform Combined State Law (Series 66) examinations required by FINRA. Curt attended the University of Central Florida where he obtained his bachelors degree in Business Administration with a major in Finance. Curt enjoys golfing, working around the house and spending time with his family. Curt and his wife Michele live in Minneola and have a young daughter named Layla. MORGAN STANLEY SMITH BARNEY/5

The Way We Do Business Charting a prudent course to financial independence requires a well-conceived, personalized financial plan with defined long-term goals. We suggest that you begin by taking a fresh inventory of what you have, where it is and what it s worth. Our wealth advisory consultative process has key steps that may result in a broad, cohesive plan for the future. 6/MORGAN STANLEY SMITH BARNEY

Our Wealth Advisory Consultative Process Step 1: Discovery We will ask many questions to try to capture what matters most to you and fully understand what you want to accomplish with your wealth. We will talk about you, the kind of lifestyle you enjoy, what worries you and what you are passionate about. Our conversations will also explore your values, key relationships, total assets, preferred manner of communication, as well as the other professional advisors with whom you work. That way, we help you to connect all the facets to help ensure your financial situation dovetails effectively. Step 2: Analysis and Recommendation Based on your feedback, we will analyze your personal and financial information, including liabilities; we will also assess risks and identify potential threats to your financial health. At this meeting, we will present you with a comprehensive plan that can help address your income and cash flow needs, borrowing, asset protection, retirement planning, wealth transfer, philanthropy and other areas beyond investment management. We will take additional time to review with you all that was discussed, thus helping you to be comfortable with the proposed investment strategies and service providers before implementing your wealth plan. Step 3: Implementation After presenting you with a detailed wealth plan, we work closely with you to implement your plan with an objective approach, paying close special attention to how the various parts of your plan can affect, enhance and integrate with each other. Wherever appropriate, we will enlist added in-depth advice on issues we have identified in the fields, such as family-dynamics, estate planning, lending, tax planning strategies and more. Whatever approach we decide on, we will help keep your investments stay on track. Step 4: Reviewing Objectives As you would expect, we believe that ongoing communication is a vital component of our relationship with you. We are committed to keeping abreast of your changing financial needs; as such, your financial documents become the foundation of ongoing review, which means reviewing your portfolio with you at your request and when you feel that your circumstances have changed. We will then seek to make certain that your assets are positioned according to your evolving needs. If necessary, we will suggest adjustments to your strategy to address any alterations to your objectives. 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/7

The Park Bay Group at Morgan Stanley Smith Barney 338 West Morse Blvd. Suite 200 Winter Park, Florida 32789 Telephone: 407.623.5600 Toll-Free: 800.523.9906 Facsimile: 407.628.3485 fa.smithbarney.com/theparkbaygroup 4705 S. Apopka Vineland Rd. Suite 202 Orlando, Florida 32819 Telephone: 407.605.4380 Toll-Free: 888.204.3944 Facsimile: 407.605.4381 fa.smithbarney.com/theparkbaygroup 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. 2010 Morgan Stanley Smith Barney LLC. Member SIPC. 3557 5/10

Steven R. Miller, CIMA, CLTC OVERFLOW the team to employ solutions and strategies to help clients achieve their objectives. Steve graduated from University of Northern Iowa with a Bachelor of Science degree in Finance. He enjoys baseball and travel. Steve and his wife Cheryl have two children, Megan and Brad.