The D'Oliveira-Frick-Dutra Group at Morgan Stanley Smith Barney

The D'Oliveira-Frick-Dutra Group at Morgan Stanley Smith Barney

7530 Parker Road Fairhope, AL 36532 251-990-2939/ MAIN 877-886-1777/ TOLL-FREE 251-650-1378/ FAX www.morganstanley.com/fa/dfdgroup dfdgroup@mssb.com

The D'Oliveira-Frick-Dutra 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 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 D'OLIVEIRA-FRICK-DUTRA GROUP 3

Meet the Professionals Sergio R. D'Oliveira Senior Portfolio Manager First Vice President Financial Advisor The D'Oliveira-Frick-Dutra Group A professional in the financial services industry since 1984, Sergio began his career with Merrill Lynch prior to joining Morgan Stanley Smith Barney in 2010. His professional credentials as a Senior Portfolio Manager and First Vice President help him navigate his clients through all phases of their financial lives. Sergio grew up in São Paulo Brazil and received his Bachelor of Business Administration Degree from Escola de Administracao de Empresas de São Paulo. Sergio has resided in the Daphne area since 1993, but has lived in the United States since 1978. He has also been a member of the Fairhope Rotary Club for over 20 years. In his spare time, Sergio enjoys reading, listening to music and coaching soccer. He also loves spending time with his wife, children and grandchildren. 4 MORGAN STANLEY SMITH BARNEY

Tod E. Frick, CIMA, CFP Senior Portfolio Manager First Vice President Financial Advisor An experienced Financial Advisor since 1992, Tod began his career with Merrill Lynch prior to joining Morgan Stanley Smith Barney in 2010. He currently holds the designation of Certified Investment Management Analyst SM (CIMA ) and CERTIFIED FINANCIAL PLANNER (CFP ). Tod also attended Columbia University in New York to receive the designation of Certified Portfolio Manager (CPM ). Tod grew up in Baton Rouge, LA and attended Louisiana State University where he received his degree in Finance. He s lived in the Fairhope area for over 20 years where he feels a special commitment to the community. When out of the office, he enjoys spending time with his wife, Lisa, children, Mills and Emery, and their three dogs. Leonardo Dutra Financial Advisor An investment professional in the financial services industry since 2000, Leo started his career with Merrill Lynch in Rio de Janeiro, Brazil prior to joining Morgan Stanley Smith Barney in 2010. Leo has an excellent grasp of international financial markets due to his studies in Brazil and the different economies in which he has worked. Born and raised in Rio de Janeiro, Brazil, Leo attended the Universidade Federal do Rio de Janeiro where he received his BA in Economics. He currently resides in Fairhope, AL with his wife, Dana, and wonderful stepson, Taylor. While out of the office, Leonardo enjoys travelling, playing tennis, and spending time with family and friends. Francisco D'Oliveira, CRPC Financial Advisor An experienced Financial Advisor since 2001, Fran began his career in the financial services industry with Merrill Lynch. In 2010, Fran joined Morgan Stanley Smith Barney to take advantage of the breadth of resources available within the firm. He currently holds the designation of Chartered Retirement Planning Counselor SM (CRPC ). Fran grew up in Mobile, AL and graduated from The University of Georgia with a Bachelor s Degree in Banking and Finance. He has lived in Daphne, AL since 2006, with his wife and fellow team member, Amanda. In his spare time, he enjoys playing soccer. THE D'OLIVEIRA-FRICK-DUTRA GROUP 5

Amanda D'Oliveira Senior Registered Associate An experienced professional in the financial services industry since 2004, Amanda began her career in brokerage operations for Colonial Brokerage. She then worked for Merrill Lynch as a Registered Client Associate and later became an Assistant Branch Manager at Regions Bank. In 2009, Amanda joined Morgan Stanley Smith Barney as a Senior Registered Associate. She currently holds her Series 7, 66, 31, 10 along with her life and health insurance licenses. Amanda grew up in Baldwin County, AL and graduated from Troy University where she received her Bachelor s Degree in Banking and Finance. She resides in Daphne, AL with fellow team member and husband Fran. Amy Baughman Registered Client Service Associate An experienced professional in the financial services industry since 2005, Amy began her career with Florida State University Credit Union prior to joining Morgan Stanley Smith Barney in 2010. She is currently a Registered Client Associate and holds her Series 7 and 66 licenses. Amy grew up in Mobile, Alabama and graduated from the University of South Alabama with a Bachelor s Degree in Finance. Amy has lived in the Daphne area since 2008, where she stays active in the community volunteering with Family Promise and Angels Over the Children.

Developing Your Wealth Management Strategy Your achievements reflect substantial effort, and we will work just as hard on your behalf, committing our experience and skills to helping you achieve your unique goals for your wealth. 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 discuss your current financial resources, time horizon for your goals, tolerance for risk even how your liabilities are structured. If you own a business, we also might discuss your current banking and cash management needs. 8 MORGAN STANLEY SMITH BARNEY

Discover Plan 2 We will present a plan to help address needs such as income and retirement planning, asset protection, investment management, strategic borrowing, wealth transfer and business succession. We will also recommend an asset allocation strategy reflecting your risk tolerance and investment time horizon. Review Implement 3 The team 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 You will receive a comprehensive quarterly performance review, helping you track progress toward your objectives. 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.

For Life's Most Important Goals With an experienced professional and the right resources, reaching your most important goals can be less challenging and more rewarding. I am ready to help you meet your goals, by combining my insight 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. I will work with you to explore and define your objectives and needs, and then structure a plan that is uniquely your own. Balance sheet analysis Retirement planning Education planning Estate planning Multigenerational planning 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. Asset allocation Investment management Traditional investments Alternative investments Structured investments

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, I can help you develop and implement a strategy based on your vision of retirement. 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. I 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. I can help you access appropriate investment vehicles 529 plans and custodial accounts. 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. I can help you meet your personal cash management and borrowing needs while thinking strategically about how approaches may affect current and longterm costs and taxes. Home finance Lending services Debt restructuring Securities-backed loans THE D'OLIVEIRA-FRICK-DUTRA GROUP 11

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 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 STRONG, STEADY FORCE IN A CHANGING INDUSTRY CEO and senior team with deep wealth management experience 130 years of combined experience 900 global locations 18,000 financial advisors 7 million client accounts $1.5 trillion client assets 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,structureandexecutesolutions 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 ofmorganstanleysmithbarneyforyou, deliveringtherightresourcestoyouin thewaythatismostappropriateforhow youinvestandwhatyouwanttoachieve. 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

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

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 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. Morgan Stanley Smith Barney LLC (Morgan Stanley Smith Barney) is a registered brokerdealer, not a bank. Where appropriate, 2011 Morgan Stanley Smith Barney LLC. Member SIPC. 132488 08/2011