The Niou Way Portfolio Management Group With over 29 years of experience, Stamford Niou and the Niou Way group s goal is to protect and grow our clients assets with the emphasis on risk control. The Niou Way approach to investing involves taking our time to build each portfolio by doing extensive analysis and research with a vast knowledge of all markets. Our clients are our number one priority. We provide comprehensive financial planning while working side-by-side with our clients legal, estate, and tax advisors. We are committed to building long-term relationships based on trust, integrity and superior client service. 901 East Byrd Street, Suite 2000 Richmond, VA 23219 Office: (804) 780-3300 Toll-Free: (800) 833-5522 Fax: (804) 225-8145 stephanie.j.caudill@morganstanley.com morganstanleyfa.com/niouway 1
The Niou Way Group Ourteamiscommittedandfocusedonunderstandingwhoyouare asa person,aswellasaninvestor,andwhatyouhopetoachieveforyourself and your family. Stamford Niou, CPM Senior Vice President Senior Portfolio Management Director Financial Advisor Series7,63,65&66Licensed 2012, 13, 14 Five Stars Wealth Manager Award Stephanie J. Caudill Portfolio Associate Series7,63,65&31Licensed VA,MD,NC&NJInsuranceLicensed Office:(804) 780-3328 Toll-Free:(800) 833-5522 Fax:(804) 225-8145 Office:(804) 780-3343 Toll-Free:(800) 833-5522 Fax:(757) 299-9956 2
Biographies Stamford Niou, CPM Stephanie J. Caudill Senior Vice President Senior Portfolio Management Director Financial Advisor Portfolio Associate Stamford is an active Portfolio Manager with over 29 years of experience. Stamford began his career as a Financial Advisor in 1986 with PaineWebber and later joined Morgan Stanley in 1990. Leaving Singapore Stamford moved to the United States in 1976. He received his Bachelor of Science in Chemistry/Finance from the University of Richmond in 1984 and was inducted into the American Chemistry Honor Society. In 1997 he completed the Darden Executive Graduate Program of mergers and acquisitions. Stamford prides himself on taking care of his clients. For discretionary accounts, he takes a tactical and disciplined approach, reviewing each account on a daily basis seeking to manage the risks taken while striving to provide performance and preserve his client s wealth. He researches each company invested in thoroughly looking to the future of the company and that of his clients. His experiences being born and obtaining his childhood education outside of the United States gives him a value added view to international investing that allows him to have a broader understanding of the emerging markets. His goal is to make sure that every one of his clients gains financial independence. Stamford lives in the Midlothian area near his Mother. He enjoys working with the students of the University of Richmond as a mentor whenever asked to do so and is an avid Spiders Fan. One of his favorite past times is horticulture. He grows various citrus fruits as well as other varieties of fruit and vegetables. Stephanie has been a part of Morgan Stanley and its predecessor firms, for over 19 years. She began her career with First Virginia Bank Colonial(now part of BB&T), in 1991 as a Bank Teller. In 1996 Stephanie joined the Richmond, Virginia branch of Smith Barney, working as a cashier in the Branch Operations Department. Later, in 1999, she became the Branch Administrator, working closely with the Branch Manager, Regional Operations, and local Financial Advisors regarding operational and administrative issues. Her desire to work directly with clients created the opportunity for her to work as a Registered Associate in 2005. In this role, she is responsible for account documentation, administrative issues, and client operations. In addition, she handles all aspects of daily scheduling and participates in client as well as prospective client meetings. Stephanie is a Portfolio Associate and maintains the Series 65 Investment Advisor registration, Insurance License as well as her series 7, 31 & 63. She is a lifelong resident of Amelia County, Virginia. Today she lives with her two sons, Zacherie and Ashton, on land that has been in her family for over 60 years. At home in the country they are able to enjoy the beauty of nature with quiet surroundings filled with wildlife, forests and creeks. When they do leave home, it is often to participate in shuttling Ashton to baseball and then becoming a proud spectator! Zacherie is a high school graduate of Love Covenant Christian School and Ashton is going into the 10th grade. 3
Our Disciplined Approach We provide financial advice and portfolio management based on our experience, knowledge, and extensive research. We believe each company s ability to create value is the main driver behind the performance of the stock. By researching and understanding every aspect of each company s business plan, down to the management, products and services, we constantly evaluate their potential and risks. Through this ongoing process, we assess the future value of your investment. We carefully construct each portfolio based on the current market conditions in order to try to mitigate risks. Since the markets are constantly changing, none of our clients have the same portfolio. Additionally, we specifically tailor your portfolio to your financial objectives. Through our approach, we aim to protect and grow your assets. 4
Our Risk Control Process Our process is designed to help ensure that we meet or exceed your financial goals. Anticipate: Our team anticipates future return on your investment by extensive research of each company, industry and market across the globe. Adjust: By following current events closely on a daily basis, our team prepares the necessary adjustments to your portfolio before the markets open based on our anticipation. Adapt: When the markets opens, our team adapts your portfolio to any possible market condition that is evaluated in order to protect your assets. 5
My only priority is my client. - Stamford Niou, CPM 6
The Power of Morgan Stanley $2 Trillion in Client Assets 3,000 Global Companies Tracked 1,000 Global Locations *AsofJuly18,2013 7
Past performance is no guarantee of future results. The views expressed herein are those of the author and do not necessarily reflect the views of Morgan Stanley Wealth Management or its affiliates. All opinions are subject to change without notice. Neither the information provided nor any opinion expressed constitutes a solicitation for the purchase or sale of any security. Past performance is no guarantee of future results. Morgan Stanley Smith Barney LLC 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 visit us at http://www.morganstanleyindividual.com or consult with your Financial Advisor to understand these differences. This material is intended only for clients and prospective clients of the Portfolio Management program. It has been prepared solely for informational purposes only and is not an offer to buy or sell or a solicitation of any offer to buy or sell any security or other financial instrument, or to participate in any trading strategy. The individuals mentioned as the Portfolio Management Team are Financial Advisors with Morgan Stanley participating in the Morgan Stanley Portfolio Management program. The Portfolio Management program is an investment advisory program in which the client s Financial Advisor invests the client s assets on a discretionary basis in a range of securities. The Portfolio Management program is described in the applicable Morgan Stanley ADV Part 2, available at www.morganstanley.com/adv or from your Financial Advisor. Past performance of any security is not a guarantee of future performance. There is no guarantee that this investment strategy will work under all market conditions. Investments and services offered through Morgan Stanley Smith Barney LLC. Member SIPC. 8