The Udine Group at Morgan Stanley Smith Barney Helping Clients Accumulate, Manage, and Transfer Wealth
330 Fellowship Road Suite 400, Mount Laurel, NJ 08054 856-222-4547 / MAIN 800-932-0037 / TOLL-FREE 856-273-6407 / FAX http://www.fa.smithbarney.com/udinegroup richard.d.udine@mssb.com ryan.m.udine@mssb.com joseph.udine@mssb.com jennifer.myers@mssb.com candida.m.weinrick@mssb.com
The Udine Group at Morgan Stanley Smith Barney 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 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 trusted resource on virtually any topic 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 UDINE GROUP 3
Meet the Professionals 4 MORGAN STANLEY SMITH BARNEY
Richard Udine Executive Director Financial Advisor For over 30 years Rick has been focused on meeting the unique financial needs of high net-worth clients. He provides sound, unbiased advice that delivers consistent returns with minimal risks. Rick is recognized as a dynamic leader and has earned the trust and respect of his clients and peers and has been selected as a member of Morgan Stanley Smith Barney s prestigious Chairman's Club. Rick predicates his interactions with clients on careful, responsive planning and is known for his commitment to building long-term client relationship based on trust and service. Drawing on experience and Morgan Stanley Smith Barney s global resources, Rick develops personalized, strategic solutions to address the complex needs of individuals with substantial wealth. Rick offers clients a comprehensive range of services including portfolio management; retirement planning; life insurance analysis and funding; and a full complement of wealth preservation and transfer services. Rick was recently promoted to Executive Director and also named to Barron's Top 1000 Financial Advisors of 2012. Ryan Udine Financial Planning Specialist Financial Advisor As a graduate of Penn State, Ryan manages the team's marketing and new business development efforts. He plans prospective client meetings and marketing events. He and Joe primarily work with prospective clients to familiarize them with our group and see if there may be a fit to begin a relationship. Ryan also assists Rick with investment management by researching various products in the equity and fixed income markets, and will assume a larger role in portfolio managment as he is currently studying to become a Certified Portfolio Manager. He also prepares comprehensive financial plans for clients that include cash flow/income analysis for retirement. He will be studying to earn his CFP designation over the next couple of years and aspires to follow in his Dad's footsteps as a respected wealth advisor. THE UDINE GROUP 5
Joseph Udine Financial Planning Associate Financial Advisor Joe currently specializes in marketing and new business for our team. He works primarily with prospective clients to familiarize them with our group and assist in developing an appropriate investment strategy. He is working towards earning his CFP designation and is an aspiring Portfolio Manager. Joe is a graduate of The University of Pennsylvania with a degree in Economics. Jennifer Myers Registered Marketing Associate Jennifer began working with Rick in 2000. Rick chose her because of her desire to learn, her strong work ethic, and her commitment to excellence. She graduated from Rowan University, with a Bachelor of Science specializing in Finance. She first worked as a Client Service Associate and has since went on to complete the Financial Advisor training program in 2008. For the past 10 years, Jennifer has refined her understanding of a broad selection of topics in the financial services industry and she is familiar with asset management, information services, managed money, order execution and account opening and transfers. As a Financial Planning Specialist she oversees team operations and believes in providing each client with the highest level of personalized attention and solution-oriented service. Candi Weinrick Registered Service Associate Candi has been working in the financial services industry since 2003 and has been working with The Udine Group since 2007. Candi is responsible for overseeing operations and client service. Her attention to detail and commitment to personal service makes her indispensable to the practice. Candi s skills in communications and building customer rapport make her an outstanding first contact point for clients. Fully licensed, Candi is able to assist clients with all areas of services including opening accounts, entering trades and giving quotes. 6 MORGAN STANLEY SMITH BARNEY
Asset Allocation and Portfolio Planning We will work together using a process that focuses on you and your goals, integrating investment decisions with your immediate financial needs and desired aspirations. This process encompasses four steps: 1 Personal review Before we can advise you, our team must understand you and your goals. We will guide you through an extensive discovery process to identify your objectives, time horizon, tolerance for risk and other considerations that may play a role in shaping your investment strategy. 2 Asset allocation and portfolio planning Your input drives the development of a personalized financial strategy. Designed to help you meet your specific needs, it addresses areas such as retirement, education expenses, estate planning and tax minimization potential. When our analysis is complete, we will present to you an investment strategy that helps to identify appropriate diversification for your portfolio. 3 Implementation After we have discussed and refined your strategy, we work closely with you to bring the elements to life. Should we decide that outside money managers are appropriate for you, we will 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 together, our team will help you keep your strategy on track. 4 Ongoing communications and reporting We view ongoing communication as the foundation of our successful collaboration with you. We will make every effort to keep abreast of your changing financial needs and provide viable strategies to help you meet them. This means reviewing your portfolio together at your request. When your circumstances change, we will work with you to revise your strategy and reposition your assets to reflect your new needs and goals. 8 MORGAN STANLEY SMITH BARNEY
For Life's Most Important Goals With experienced professionals and the right resources, reaching your most important goals can be less challenging and more rewarding. We are ready to help you meet your goals, by combining our insights into your needs with the resources of Morgan Stanley Smith Barney. Setting a Confident Course Thorough, thoughtful planning planning that analyzes where you are as well as where you want to go is the most important step in establishing a path to your goals. We will work with you to explore and define your objectives and needs, and then structure a plan that is uniquely your own. l Balance Sheet Analysis l Retirement Planning l Education Planning l Estate Planning l Multigenerational Planning l Insurance Managing the Rewards of Success Managing an investment portfolio should be a consultative, disciplined process that balances your attitudes and goals as an investor with careful analysis of the financial markets and the risks and opportunities they hold for you. You can rely on us for objective strategic advice in structuring your portfolio and for careful analysis of any investments we consider together. l Asset Allocation l Investment Management l Traditional Investments l Alternative Investments l Separately Managed Accounts
Shaping Your Retirement Together, we can work to make decisions that could help you move toward the retirement you expect. Whether you are building retirement wealth or making the transition to generating income from your assets, we can help you develop and implement a strategy based on your vision of retirement. l l l IRAs: - Traditional - Roth IRA Rollovers Roth Conversions Building a Unique Legacy Estate planning typically brings together the dimensions of life: personal, family, financial and charitable. We will work with you to understand the connections between your life and legacy goals, and work with your accountant and attorney to help you develop a strategy to position your portfolio appropriately. Educating New Generations Helping to meet the education costs of children and grandchildren may be one of the most attractive and personally fulfilling investment opportunities available to you. We can help you access appropriate investment vehicles 529 plans and custodial accounts. Giving Back Through Philanthropy Many successful individuals seek opportunities to support cultural and educational institutions, and nonprofit organizations and activities. Properly undertaken, charitable giving can provide planning flexibility and benefits for you. We can help you analyze and implement a strategy that rewards you while it benefits causes you care about. l Charitable Lead and Remainder Trusts l Family Foundations l Donor Advised Funds Protecting Your Wealth Insurance can play a critical role in virtually any comprehensive financial strategy, helping you to protect the value of your assets, protect your income and your family s financial security even perform important functions in a business succession or estate plan. We can help you analyze your current insurance portfolio and work to update your coverages to fulfill personal and strategic goals. l Life and Disability Income Insurance l Life Insurance Trusts l Key-Person Insurance Meeting Current Liquidity and Banking Needs Managing personal cash and securing liquidity for personal needs and opportunities are the day-to-day aspects of implementing a financial strategy. We can help you meet your personal cash management and borrowing needs while thinking strategically about how approaches may affect current and long-term costs and taxes. l Home Finance l Lending Services l Debt Restructuring l Securities-Backed Loans THE UDINE GROUP 11
$1.5 Trillion CLIENT ASSETS 7,000,000 CLIENT ACCOUNTS 18,000 FINANCIAL ADVISORS 900 GLOBAL LOCATIONS CEO AND SENIOR MANAGEMENT TEAM WITH DEEP WEALTH MANAGEMENT EXPERIENCE 130 YEARSOFCOMBINED EXPERIENCE A Strong, Steady Force in a Changing Industry Information as of 05/30/2010 unless otherwise indicated
A CULTURE of EXCELLENCE OVERTHEYEARS,YOUHAVEMADEMANYFINANCIALDECISIONS. ONEINPARTICULARISLIKELYTOHAVEALASTINGIMPACT ONYOURWELLBEINGANDTHATOFYOURFAMILY: THECHOICEOFAFINANCIALADVISOR. InvestorswhochooseMorganStanley SmithBarneyoftentellusthattheir reasoning is simple. They choose a Financial Advisor and a firm that mirrorsthevaluespropellingtheirown success: a commitment to perform at thehighestlevelfortheirclients,with no shortcuts, compromises or excuses. A PROFOUND UNDER- STANDING OF WEALTH MANAGEMENT NEEDS Business Strategies Charitable Pursuits Education Funding Estate Planning Integrated Planning Investment Management Liquidity Retirement Risk Management UNPARALLELED EXPERIENCE. Drawingonmanyyearsofexperience,MorganStanleySmithBarney understandstheimportanceofshaping relationshipsthatreflectclientneeds, preferences and aspirations. OurfirmandFinancialAdvisorshave anin-depthunderstandingofvirtually all the challenges, goals, preferences, styles and strategies that distinguish wealthyinvestors.additionally,asatruly globalfinancialinstitution,wehavean equallyacuteknowledgeoffinancial opportunities and the potential risks. Thiscombinationpositionsusto develop, structure and execute solutions for your most important financial needs,fromaccumulatingwealthto investingforincome,fromsolidifyingretirementsecuritytodevisinga distributionapproachthatmeetsyour lifestyle and legacy goals. INVESTMENT INSIGHT WITHOUT LIMITS. Asaclient,youhaveaccess tothestrategicandtacticalviewsof someoftheworld smostseasonedand respected investment professionals. The members of our Global Investment Committeedevelopstrategiesthatguidethe managementofadvisoryaccountsand help to inform the decisions of clients across Morgan Stanley Smith Barney. Theteamiscurrentlysupported by the work of 350 analysts at two of the world s largest investment banks, MorganStanleyandCiti,whocoverkey geographicandeconomicsectors,aswell as 3,000 individual equity securities. You also benefit from a premier trading and execution platform. Think of our 225 capital markets professionals as experienced, highly responsive and knowledgeable partners. PERFORMANCETHATMEETSYOUR MEASURE. Among the most important skillsofourfinancialadvisorsisthe abilitytolisten:tothoroughlyunderstand your financial needs and then align the resourcestomeetthem.yourfinancial Advisorcanhelpyouevaluateimmediate concernsandplanforlong-termgoals, beasoundingboardforyourinvestmentideas,assistyouindevelopingand executingastrategythatisprecisely your own and help deliver performance resultsthatmeetyourneeds. YourFinancialAdvisorisyouradvocate withinourfirm,anintelligenteditorwho selectsandalignsthemanycapabilities ofmorganstanleysmithbarneyfor you, delivering the right resources to youinthewaythatismostappropriate for how you invest and what you want to achieve. ONE OF THE WORLD S STRONGEST INVEST- MENT ORGANIZATIONS STANDS BEHIND YOUR FINANCIAL ADVISOR Financial Advisors have access to top-flight research from both Morgan Stanley and Citi. Combined, they analyze and track the progress of more than 3,000 companies all over the world. Please read important disclosures on the back cover of this brochure MORGAN STANLEY SMITH BARNEY
Awards Philadelphia, PA, February 22, 2012 Morgan Stanley Smith Barney announced today that Richard Udine, a Financial Advisor in the Firm s Mount Laurel, NJ office, has been named to Barron s annual list of America s Top 1000 Advisors: 2012 State-by-State. 14 MORGAN STANLEY SMITH BARNEY
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 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. 2012 Morgan Stanley Smith Barney LLC. Member SIPC. 209976 04/2012