The Forster Group at Morgan Stanley Smith Barney A Wealth Management Advisory Team Dennis Forster, CFP Senior Vice President- Wealth Management Financial Advisor Julie Williams Registered Associate Financial Planning Associate Jeff Forster, CIMA,CRPS Certified Investment Management Analyst Vice President-Wealth Management Financial Advisor Kelly Trueman Registered Client Service Associate www.fa.smithbarney.com/forster Dennis.e.forster@morganstanleysmithbarney.com Jeffrey.p.forster@morganstanleysmithbarney.com Julie.g.williams@morganstanleysmithbarney.com Kelly.ann.trueman@morganstanleysmithbarney.com 1014 Santa Barbara Street, Ste. 200 Santa Barbara, CA 93108 805-963-3381 800-874-0282
Dennis Forster, CFP Senior Vice President Wealth Management Series 3, 7, 63, 65 Life and Variable Annuity License #0A15865 Who We Are Jeff Forster, CIMA,, CRPS Vice President- Wealth Management Financial Advisor Series 7, 31, 63, 65 Life and Variable Annuity License #0C61484 Dennis Forster, an advisor of the firm since 1979, has a long and successful tenure with Morgan Stanley Smith Barney and it s s predecessors, assuming roles from Branch Manager to Financial Advisor. Dennis is the leader of The Forster Group at Morgan Stanley Smith Barney, and his unofficial title is "Chief Advocate" for his clients. He focuses on estate planning for high net worth families, education funding, endowment management for nonprofits, and strategic consulting to businesses. Dennis is i an accredited member of the prestigious CERTIFIED FINANCIAL PLANNER Institution. Dennis is committed to financial education for his clients and for f himself. He has attended financial education seminars on Wealth Management, Intergenerational Wealth Transference, Income & Cash Flow Planning and Retirement Planning. He recently enjoyed his 70th birthday but this veteran financial advisor is not anywhere near retirement! As an active member of the community, Dennis has served as a past president of the Jaycees, Santa Barbara Newcomers, and the Marian Medical Foundation. He has also been on the committees of the Santa Barbara Bowl and the YMCA. Dennis currently serves on the boards and committees of the United Way and the Santa Barbara Council on Self-Esteem. Dennis enjoys tennis, skiing and biking. He has been a member of the Santa Barbara Ski and Sports Club for eight years, and in 2011, he was elected President of the club. Dennis has been married to his wife, Patty, for 46 years, and is blessed with six grandchildren. Jeff Forster focuses on retirement and financial planning for high net worth families, the management of endowments, and business lending. He recently has earned the Certified Investment Management Analyst (CIMA ) ) license from the Investment Management Consultants Association (IMCA ). The CIMA course and exam are the result of extensive development by the IMCA Certification Committee, IMCA staff and faculty of The Wharton School of Business of The University of Pennsylvania. Mr. Forster has been with Morgan Stanley Smith Barney and it s s predecessors, for 10 years. Prior to this, Jeff was a VP for Gallup in Tokyo, Japan. He is a graduate of California State University, San Diego with a degree in International Business. Jeff is not only dedicated to steering his clients to a successful ul financial future, he is also very involved in the Santa Barbara community. He is a Graduate of the Katherine Harvey Fellows program, which is sponsored by the Santa Barbara Foundation. The program was established in 1999 to cultivate future leaders for community organizations in Santa Barbara County. He currently serves on the finance committee for the Santa Barbara Foundation. Additionally, Jeff is an avid golfer and volunteers for the 1st Tee Central Coast, most recently serving as a Board Member. Rounding out his community service, Jeff serves as the Vice President of the CPA/Law Society of Santa Barbara County. Finally, Jeff's biggest passions in life are his wife, Laura and three children, Julia, Samantha, and Jeffrey.
Who We Are Julie Williams Registered Associate Financial Planning Associate Series 7 & 63 Kelly Trueman Registered Client Service Associate Series 7 & 63 Julie Williams joined The Forster Group in 2003. She is responsible for running our financial workshops for clients, business owners and nonprofit organizations, while additionally supporting our team with financial planning projects, new product and service initiatives and client communications. Julie began her financial services career over 19 years ago in San S Francisco, with CS First Boston as an Associate Sales Supervisor, working with the institutional and retail sales forces. In 1995, she joined Volpe, Brown Whelan & Company, a boutique Investment Bank, specializing in technology and healthcare companies. While there she was responsible for OTC trading compliance, sales supervision, continuing education and annual audits. She is a graduate of University of California, Santa Barbara, with a degree in Communications. Away from the office, Julie shares her energy and love with her husband John, their two children, Mary and Warren, and her extended family and friends. Her hobbies include running, hiking, gardening, and coaching her daughter s s softball team. Kelly Trueman joined The Forster Group in August of 2010 as the team s Client Service Associate. Kelly is responsible for our customer service and operations, including new account documentation, and she is our liaison with Branch Operations and Management. Her operations knowledge is a great benefit to our team and a tremendous resource to our clients. Kelly has been in the financial Services business since 2004. She began her career with Banc of America Investments/Merrill Lynch. While there, she was responsible for client operations and account services for an advisory team. Prior to this, she was an Account Representative with Truex Insurance Agency, where she worked on developing marketing strategies of insurance options for small companies. She was born and raised in Stockton, California. She is a graduate of California State University, Chico with a degree in Journalism. Kelly and her husband Scott, live in Santa Barbara, with their new French Bull dog puppy, Nugget. While away from the office, she likes to practice her culinary skills, she loves traveling and spending time with her family and friends.
The Morgan Stanley/Citigroup Relationship Morgan Stanley is the leading global financial services firm providing a wide range of investment banking, securities, investment management and wealth management services. The Firm's employees serve clients worldwide including corporations, governments, institutions and individuals from more than 900 global locations. Citi, the leading global financial services company, has approximately 200 million customer accounts and does business in more than 160 countries and jurisdictions. Citi provides consumers, corporations, governments and institutions with a broad range of financial products and services, including consumer banking and credit, corporate and investment banking, securities brokerage, transaction services, and wealth management. A new Wealth Management Firm with over 130 years of experience.
Why Choose Us: Our Team s s Combined years of experience: Over 70 years Our Commitment to providing a full suite of products and services Our Local Presence Our Competitive Strength Our Corporate Strength Morgan Stanley Smith Barney: Two of the most powerful names in wealth management have joined forces to create a new industry leader. In a financial world that s s being remade, Morgan Stanley s s global wealth management business and Smith Barney have joined forces to offer you thinking and resources to fit the times. Our 18,000 Financial Advisors average more than 15 years experience. They can create personal investment strategies to help h you meet your retirement, education, wealth transfer and other financial needs. With all of today s s noise and uncertainty, people need the right financial advice and resources. That s s what Morgan Stanley Smith Barney intends to help them to navigate ate their new world. Equipped for advanced financial planning, our Financial Advisors are ready to draw on experts in taxes, insurance, estate planning and more1. At the same time, Morgan Stanley Smith h Barney helps open doors to a wider array of financial products, independent money managers and capital markets. Financial Advisors have access to a global network of economists, strategists and research analysts to help manage risk and seek out investment opportunities wherever they may be. To help build the portfolio that can move you in the direction you want to go. Consulting Group: The Consulting Group (CG), a division of Morgan Stanley Smith Barney, has been a leader in investment management consulting over the last 30 years. CG is committed to delivering customized, long-term investment strategies for institutional and individual clients. Through its roster of client services, comprehensive investment advisor research, cutting-edge technology and highly educated Financial Advisors, Consulting ng Group is well- positioned to provide clients with the analysis and advice they need to help them meet the challenges of investing over the long-term. Since 1973, Consulting Group has grown into one of the largest and most experienced investment consulting organizations in the industry, with a dedicated staff of investment and technical professionals. Our research process for the evaluation and selection of investment ent managers is among the most extensive in the industry. And, while our perspective is national, we maintain a strong local presence, ready to deliver responsive service to our clients in all areas of the country. Our clients include employee benefit plans, jointly trusteed funds, public pension funds, endowments, foundations, insurance companies, and wealthy individuals.
Successful Investing Requires a Process On-Going Review Process 4 Set Client Objectives 1 3 Select & Evaluate Managers 2 Develop Asset Allocation Strategy The investment process begins with a Financial Advisor helping you develop a comprehensive understanding of your present financial resources, liabilities and objectives, as well as the risk level with which you are comfortable. This is accomplished through the development of your investment profile.
Morgan Stanley Smith Barney s s Consulting Group 4 Step Process Step One: Setting Your Financial Objectives The process begins with a discussion of your investment concerns, experiences, sensitivities and goals. If required, an assessment of past objectives and performance will be conducted. The information you provide will enable your Financial Advisor to develop specific written investment objectives and policies. This may be the most important aspect of the relationship since without a clear long-term plan, investment activities would be aimless. A simple analogy would be to embark on a trip without a destination. Step Three: Selecting an Investment Manager Using the Consulting Group database, Financial Advisors will diligently screen investment management firms, searching for those investment disciplines, philosophies and results that best match your requirements. After managers are carefully selected the monitoring process begins. Step Two: Developing an Asset Allocation Strategy Once objectives and guidelines are developed, the next vital decision is allocating assets, by identifying the correct blend of stocks, bonds and cash equivalents. Virtually all experts agree that asset allocation is a major determinant of investment performance. A meaningful performance benchmark must also be identified to help ensure that your goals are being met. Comparing performance to an arbitrary stock or bond index may be irrelevant unless it adequately reflects the securities within your portfolio. Step Four: Ongoing Evaluation of Managers and Portfolio Performance It is your Financial Advisor's obligation to inform you when it makes sense to consider modifying your investment strategy. Adding a manager or adjusting your asset allocation due to changing conditions or new opportunities are but two examples.
Choosing a Retirement Plan for your Business Let Us Guide You Whether you are establishing a retirement plan for the first time or are thinking about changing your current plan, we have the resources, through the power of Morgan Stanley Smith Barney and retirement planning professionals, to help make the appropriate selection for your business. The following reports are just two of many useful guides which will help you understand each type of plan and the benefits thereof.
What We Offer: Our Wealth Management Capabilities: Share your goals, your concerns, your vision of your future and we will help you construct a comprehensive plan using our sophisticated planning tools. Comprehensive Planning Includes: Business Strategies Charitable Pursuits Education Funding Analysis Estate Planning Integrated Planning Investment Management Liquidity Planning Retirement Planning Risk Management
Important Disclosures The investments and services listed may not be suitable for all investors. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, and encourages investors to seek the advice of a financial advisor. The appropriateness of a particular investment will depend upon an investor s individual circumstances and objectives. Tax laws are complex and subject to change. 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 purposes of avoiding tax penalties that may be imposed on the taxpayer. Individuals are urged to consult their personal tax or legal advisors to understand the tax and related consequences of any actions or investment described herein. Asset Allocation does not guarantee a profit or protect against a loss. Morgan Stanley Smith Barney LLC. Member SIPC.