The Kaser Mechling Group at Morgan Stanley Smith Barney

The Kaser Mechling Group at Morgan Stanley Smith Barney

7311 Crossleigh Court Suite 106, Toledo, OH 43617 419-842-6557 / MAIN 877-834-3669 / TOLL-FREE 419-754-2507 / FAX www.morganstanley.com/fa/theka sermechlinggroup

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 Financial Advisors, our role is to work with you to help you develop a plan that lays out a clear path to your goals a plan that we develop in collaboration with you, and one that you can follow with confidence in the face of the market s ups and downs. Together, we will explore a broad range of topics that are likely to 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 a financial and investment strategy based on who you are and where you want to go. Only then will we talk with you about the details of investing: how much risk makes sense, your asset allocation, and which investments are right for your portfolio. But that s just the beginning. 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 KASER MECHLING GROUP 3

Meet the Professionals 4 MORGAN STANLEY SMITH BARNEY

Aaron E. Mechling, CRPS Corporate Retirement Director Senior Vice President Financial Advisor enjoys golfing, fine dining and traveling. Aaron began his career with one of the big four public accounting firms, specializing in financial and pension auditing. This varied background has helped enable Aaron to develop customized investment strategies and advise high net worth families as well as corporations with a unique perspective to wealth management. He is firmly committed to long-term relationships and strives to deliver exceptional client service, all the while helping his clients achieve their financial objectives. Aaron attended the University of Toledo and graduated with a Bachelor of Business Administration in Accounting. Soon after graduation, Aaron also achieved the designation of Certified Public Accountant. After spending the first part of his career in public accounting, Aaron started his career in the financial services industry when he joined the Kaser Group at PaineWebber in 1997. His wife and their two children live just outside Toledo, in Maumee, Ohio. Spending time with his family is a priority for Aaron, but he also THE KASER MECHLING GROUP 5

David R. Kaser Portfolio Management Director Senior Vice President Financial Advisor As an investment professional for more than 25 years, Dave began his career in the fixed income division of a major Wall Street firm. Today he implements wealth management strategies for clients through a consultative process. Working diligently to understand his clients, their goals, objectives, and risk tolerances helps Dave establish well defined investment strategies. Dave is firmly committed to long-term relationships and strives to deliver exceptional client service around the world. Born and raised in Toledo, Ohio, Dave received his Bachelor of Business Administration in Finance from the University of Dayton. He has been married to his wife, Maggie, for more than 20 years and has three active children. Dave has been very involved in the community serving on many non profit boards, including being elected Board Chairman for Make A Wish Foundation of Northwest Ohio. In his spare time he enjoys spending time with his family and helping coach youth sports in the Toledo area. Richard J. Kaser, CFP, CIMA Portfolio Management Director Senior Vice President Financial Advisor Rick began his career as an intern while still attending college. As an intern he successfully completed his FINRA Series 7 license becoming one of the youngest representatives associated with The New York Stock Exchange. Rick spent much of his early career working with corporations and traveling across the country to develop and implement financial plans for their employees. This, along with his completion of the Certified Financial Planner certification, has given him the knowledge and experience to work with clients on the most complex financial plans. Rick graduated from Miami University with a Bachelor of Science in Finance and Accounting and has completed the Certified Investment Management Analyst Program at The Wharton School at the University of Pennsylvania. He is also a Certified Financial Planner. Rick moved back to the Toledo area after college and married his wife, Missy, with whom he has three children. Rick has become involved in his local community, serves on his 6 MORGAN STANLEY SMITH BARNEY

Church board, coaches youth basketball and resides in Ottawa Hills, Ohio. Thomas W. Kreft Registered Marketing Associate Tom began his financial career in 1972 as a financial advisor. His wealth management strategies utilize Modern Portfolio Theory as the guiding discipline for his investment recommendations. He is firmly committed to long term relationships and to serving the multi-generational needs of the team s clients. Throughout Tom s career he has served in the capacity of Partner, Registered Investment Advisor, Vice President and Senior Vice President. Tom is an alumnus of Bowling Green State University with a Bachelor of Science in Business Administration, specializing in Business Law, Finance and Marketing. He attended the College of Law, University of Toledo and served in the U.S. Army in the Judge Advocate General Corp. Tom and his wife Linda married in 1975 and have two adult children. An avid sailor, Tom captained and crewed competitively for many years and was a member of several yacht clubs. He continues to support his alma mater as a member of the President s Club and has served as a board member and volunteer for vari- THE KASER MECHLING GROUP 7

ous charitable organizations. Jesse M. Lancaster Consulting Group Analyst Jesse started in the financial service industry in 2007 as an intern with The Kaser Mechling Group and became a full member of the team later that year. Jesse analyzes and monitors investment, and works directly with the financial advisors to see that clients are being provided sound investment advice and choices. He also works with the team to provide corporate clients with the advice and guidance that is needed. Jesse has been a resident of the Toledo, Ohio area his entire life and graduated from the University of Toledo and earned a Bachelor of Business Administration in Finance. He currently lives in Sylvania, Ohio with his wife Sara. In his free time he enjoys golfing, traveling and being around family and friends. 8 MORGAN STANLEY SMITH BARNEY

Traci K. Osentoski Senior Registered Client Service Associate Traci has more than 25 years of experience in the financial service industry, starting right out of high school. She attended the University of Toledo and graduated with an Associates degree. Traci has spent the majority of her time in the business with The Kaser Mechling Group. She works with clients and the team to provide a friendly and efficient experience while being responsible for all the day to day operations. Traci and her husband of 23 years, Rob, have four very active children and spend much of her time traveling to watch them in their various sporting activities. In her free time she enjoys traveling, summertime activities and spending time with family and friends.

Our Consultative Process Charting a prudent course to financial independence requires a well-conceived, personalized plan with defined long-term goals. Our wealth advisory consultative process can help you design a cohesive plan for the future that includes: 2 Analysis and recommendation 1 Discovery Before our first meeting, we suggest that you take a fresh inventory of your wealth, including where each asset is located and what it is worth. At that meeting, we will begin by exploring 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 conversation will also explore your values, key relationships, total assets, preferred manner of communication, as well as identify the other professional advisors with whom you work. That way, our team can help you determine how all the facets of your financial situation could dovetail effectively. Based on our discussion, the team will analyze your personal and financial information, including liabilities, and assess risks and identify potential threats to your financial health. We will present you with a personalized plan that can help address your income and cash flow needs, borrowing requirements, asset protection, retirement planning, wealth transfer, philanthropy and other areas beyond investment management. By taking the additional time to carefully review these topics, we hope to make you comfortable with proposed investment strategies and service providers before implementing your wealth plan. 3 Implementation After you have approved your wealth plan, we will work closely with you to implement it, bringing an objective 10 MORGAN STANLEY SMITH BARNEY

approach, and paying special attention to how the various parts of your plan can affect, enhance and integrate with each other. Wherever appropriate, we will suggest seeking additional, in-depth advice on particularly complex issues we have identified, including family dynamics, estate planning, lending, tax planning strategies and more. Whatever approach we decide on, the team will help you keep your investments on track. 4 Reviewing objectives We believe that ongoing communication is a vital component of our ongoing relationship, and we are committed to keeping abreast of your changing financial needs. Your financial documents provide the foundation for regular meetings, and the team will review your portfolio at your request and whenever 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 changes in your circumstances or your objectives. 11

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. 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. 132162 02/2012