The Terhune Group at Morgan Stanley Smith Barney
1101 FIFTH AVENUE SAN RAFAEL, CA 94901 415-451-1400 / MAIN 800-505-1220 / TOLL-FREE 415-532-1981 / FAX www.morganstanley.com/fa/jerold. terhune jerold.terhune@mssb.com chad.merschat@mssb.com julie.streicher@mssb.com
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 TERHUNE GROUP 3
Meet the Professionals Jerold Terhune Senior Vice President Wealth Advisor Jerry has been with Morgan Stanley Smith Barney since 1986. He was appointed First Vice President in 1995 and Senior Vice President in 1999. In 2004, Jerry was nominated by members of Morgan Stanley s Regional Management Team for The Executive Wealth Advisors Program. Jerry holds a Bachelor s and Master s degree in Mathematics. Chad Merschat Consulting Group Analyst Chad Merschat joined Morgan Stanley Smith Barney in February 2004. He joined The Terhune Group at Morgan Stanley Smith Barney as a Registered Client Service Associate in August 2005. In June of 2010, Chad was promoted to Consulting Group Analyst. Chad Spent two years in Central Asia in the US Peace Corps. Chad holds a Bachelor s Degree in History. 4 MORGAN STANLEY SMITH BARNEY
Julie Streicher Senior Client Service Associate Julie has been assisting Financial Advisors and their clients at Morgan Stanley Smith Barney since 1997. She was promoted to Senior Service Assistant in 1998 and joined The Terhune Group in 2003 as a Senior Client Service Associate. Julie has attained Morgan Stanley Smith Barney Branch recognition for excellent client Service.
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. 6 MORGAN STANLEY SMITH BARNEY 404702 03/2012
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. 404702 03/2012