The Osborn-Berrier Group at Morgan Stanley Smith Barney

The Osborn-Berrier Group at Morgan Stanley Smith Barney

100 N. Main Street Suite 2500, Winston Salem, NC 27101 336-721-9232 / MAIN 800-334-4401 / TOLL-FREE 336-721-4940 / FAX www.fa.smithbarney.com/osborn_berrier

The Osborn-Berrier Group at Morgan Stanley Smith Barney 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 OSBORN-BERRIER GROUP 3

Meet the Professionals Ernest A. Osborn, CLTC Senior Investment Management Consultant Senior Vice President - Wealth Management Financial Advisor Born and raised in Winston-Salem, NC 1983 graduate of Bishop McGuiness Memorial High School 1987 graduate of Wake Forest University School of Business and Accountancy Joined Morgan Stanley Smith Barney in 1992 Leadership Winston-Salem Class 2007 Obtained Certified in Long-Term Care designation in 2009 Association of Professional Investment Consultants member Board of Directors President Keep WS Beautiful Board of Trustees Summit School Business Office Manager Centenary United Methodist Church UNCSA Dean s Council Winston-Salem Estate Planning Council WFU Planned Advisory Council Troop 920 Assistant Scout Master Piedmont Adult Soccer League player and captain Married to Nancy since 1989 Children: Ross, Clark and Caroline Two rescued Westies: Elsie and Lydie Team Responsibilities: Coordinates team structure Guides new business development Facilitates access to lending services Focuses on retirement plan issues Assists with portfolio manager selection and evaluation Focuses on long term care strategies Develops client relationships Brett L. Berrier, CFP Senior Investment Management Consultant Senior Vice President - Wealth Management Financial Advisor Born and raised in Germanton, NC 1993 graduate of South Stokes High School Received both baseball and academic scholarships to Appalachian State University Earned Eloise Brakefield Academic Award Four year letterman varsity baseball team 1997 summa cum laude graduate of ASU Joined Morgan Stanley Smith Barney in 2000 Former board member for Winston-Salem National Little League Obtained CERTIFIED FINANCAL PLANNER certification February 2007 Winston-Salem Estate Planning Council 4 MORGAN STANLEY SMITH BARNEY

Baseball coach for the Winston- Salem National Little League Proud supporter of Wake Forest Athletics and Blue Ridge Boxer Rescue Member of Calvary Baptist Church Team Responsibilities: Facilitates new business development Focuses on employee stock option issues Concentrates on estate planning issues Focuses on alternative investment investing strategies Focuses on insurance issues Develops client relationships JR Williams, CFP First Vice President - Wealth Management Financial Advisor Born and raised in Charlotte, NC 1997 graduate of Garinger High School 2001 graduate of UNC Chapel Hill Varsity cheerleader at Carolina Joined Morgan Stanley Smith Barney in 2004 2009 graduate of Duke University Fuqua School of Business, MBA Became branch manager of Winston-Salem office in 2011 Member of St. Paul s Episcopal Church Married to Ann since 2009 Hobbies include birding, supporting Carolina athletics, and keeping current with technology trends Team Responsibilities: Facilitates new business development Develops client relationships Manages social media marketing Facilitates team management THE OSBORN-BERRIER GROUP 5

The Way We Do Business We are what we repeatedly do; excellence is not an act but a habit. -Aristotle Why Work With a Team: Because wealth creates complexities: complex decisions, complex analysis and complex strategies. The breadth and depth of our team helps provide our clients broad financial vision and deep financial insight which seeks to reduce the complexities associated with significant wealth and helps simplify one s financial life. Based on our experience a growing number of wealthy investors wish to execute their financial business at one institution, one which can also provide both the specialists and the services they need. Moreover, we have found that as high-net-worth investors assets grow, they recognize one Financial Advisor alone can not provide the full breadth of services needed. The Osborn-Berrier Group s 79 years of combined financial industry experience* together with Morgan Stanley Smith Barney s vast resources, stands ready to help you manage the complexities of your financial life. *Ernie Osborn 20 years, Brett Berrier 12 years, JR Williams 8 years, Sharon Floyd 26 years, Anne Thornton 12 years and Lauren Casey 1 year 6 MORGAN STANLEY SMITH BARNEY

Our Charge To You Our purpose is to help answer the two questions virtually all clients have of their Financial Advisor(s): 1. Will I make it? Some definitions of making it might be: Endowing a retirement with no compromise in lifestyle. Funding in whole or part a child/grandchild s higher education. Providing the funds for quality care to one s aging parents. Leaving a meaningful legacy to a school, church or charity. The Osborn-Berrier Group can provide a financial blueprint to help you achieve your specific goals and objectives and determine what making it means to you. 2. Do I have any financial blind spots that might prevent me from making it? What if you live too long? What if you die too soon? What if your health fails you? There is no greater tragedy than to believe you have a sound financial plan in place only to be blind-sided by an unanticipated event. Our team helps provide a 360 degree view of you (and your business) to help make certain that all contingencies are factored into your plan. 8 MORGAN STANLEY SMITH BARNEY

Creating Your Plan To be truly effective, your plan must reflect the totality of your personal and financial life. Our role is to help ensure that your investment objectives are consistent with pressing financial concerns and your long-term aspirations. Moreover, we will support you and your strategy with the resources and perspective of one of the world s largest financial firms. 1 We will work to articulate your aims for your wealth, examining your current and future income sources and cash flow needs, and then consider factors like tolerance for risk, tax concerns, liquidity needs and time horizon. 10 MORGAN STANLEY SMITH BARNEY

Discover Analyze 2 We will propose a financial plan and asset allocation designed to help meet your goals. Our advice may encompass issues such as retirement planning, business continuation, tax minimization and wealth transfer Review Implement 3 We will work closely with you to bring the elements of your plan to life, helping you to select from the hundreds of investment management firms available to you, and identify specific stocks, bonds and other securities that may be suitable for your portfolio. Then we will closely monitor your portfolio. 4 We will review your portfolio together at your request. And when your circumstances change, we will work with you to revise your strategy and reposition your assets to reflect your new needs and goals.

Risk Management The ups and downs of the markets is just one kind of risk but so is not protecting my assets and my family. How do I protect what I care about most? Retirement When I retire, it will affect just about everything that matters: my lifestyle, my company, my family. Is there a way to plan for retirement that takes it all into account? Integrated Planning Decisions about both assets and liabilities need to be made in the framework of important life goals. What steps are also the most tax efficient? How can a strategic approach to banking and lending simplify my financial life and maximize the value of what I own? Education Funding Will I be able to pay for a good education for my children and my grandchildren? Business Strategies How do I manage my personal wealth with so much tied up in my company? Investment Management I have so many goals and priorities. How can one investment strategy balance them all? Liquidity I can predict some expenses, but others I know I can t. How can I plan to have the cash I need? You Benefit from a Profound Understanding of the Full Range of Wealth Management Needs Estate Planning Making sure my estate goes to the people and organizations I care about is a priority. How do I transform my assets into a legacy? Charitable Pursuits The charities I support are like extended family. How do I maximize the good I can accomplish?

A CULTURE of EXCELLENCE OvER ThE years, you have made many financial decisions. OnE in particular is LikELy TO have A LAsTing impact On your well being And ThAT Of your family: ThE ChOiCE Of A financial AdvisOR. Investors who choose Morgan Stanley Smith Barney often tell us that their reasoning is simple. They choose a Financial Advisor and a firm that mirrors the values propelling their own success: a commitment to perform at the highest level for their clients, with no shortcuts, compromises or excuses. A STrong, STEAdy force in A changing industry CEO and senior team with deep wealth management experience 130 years of combined experience 800 global locations 17,600 Financial Advisors 7 million client accounts $1.7 trillion client assets VAST ExpEriEncE. Drawing on many years of experience, Morgan Stanley Smith Barney understands the importance of shaping relationships that reflect client needs, preferences and aspirations. Our firm and Financial Advisors have an in-depth understanding of virtually all the challenges, goals, preferences, styles and strategies that distinguish wealthy investors. Additionally, as a truly global financial institution, we have an equally acute knowledge of financial opportunities and the potential risks. This combination positions us to help develop, structure and execute strategies for your most important financial needs, from accumulating wealth to investing for income, from creating retirement reserves to devising a distribution approach that meets your lifestyle and legacy goals. investment insight without limits. As a client, you have access to the strategic and tactical views of some of the world s most seasoned and respected investment professionals. The members of our Global Investment Committee develop strategies that guide the management of advisory accounts and help to inform the decisions of clients across Morgan Stanley Smith Barney. The team is currently supported by the work of 300 analysts at two of the world s largest investment banks, Morgan Stanley and Citi, who cover key geographic and economic sectors, as well as 2,500 individual equity securities. You also benefit from a premier trading and execution platform. Think of our 210 capital markets professionals as experienced, highly responsive and knowledgeable partners. performance ThAT SEEkS To meet your measure. Among the most important skills of our Financial Advisors is the ability to listen: to understand your financial needs and then align the resources to help meet them. Your Financial Advisor can help you evaluate immediate concerns and plan for long-term goals, be a sounding board for your investment ideas, and assist you in developing and executing a strategy that is precisely your own and help deliver results that meet your needs. Your Financial Advisor is your advocate within our firm, an intelligent editor who selects and aligns the many capabilities of Morgan Stanley Smith Barney for you, delivering the right resources to you in the way that is most appropriate for how you invest and what you want to achieve. one of ThE world S STrongEST investment 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 2,500 companies all over the world. Please read important disclosures on the back cover of this brochure 9/11 2011-PS-2582

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. 14 MORGAN STANLEY SMITH BARNEY

Life insurance and long-term care insurance are offered through Morgan Stanley Smith Barney s licensed insurance agency affiliates. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it. The strategies and/or investments discussed in this material may not be suitable for all investors. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments and strategies, and encourages investors to seek the advice of a Financial Advisor. The appropriateness of a particular investment or strategy will depend on an investor s individual circumstances and objectives. 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 bankingrelated 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. 844032 09/2012 CRC 555386