Chris Bridges Financial Advisor
832 Lake Sumter Landing The Villages, FL 32162 352-751-7847 / MAIN 800-447-6036 / TOLL-FREE 352-753-8234 / FAX christopher.bridges@mssb.com http://fa.morganstanleyindividual.com/christopher.bridges/
Chris Bridges Financial Advisor 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 a Financial Advisor, I am committed to building a relationship of trust in which I 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, I hope you will come to regard me as a valued resource and a professional who can help you make a more informed decision on any financial issue. My most important goal: to help you achieve your objectives, providing guidance that helps your wealth do more for you. CHRIS BRIDGES 3
My Background Chris Bridges Financial Advisor Chris was born and raised in Leesburg, FL. He attended the United States Air Force Academy where he earned a B.S. in Electrical Engineering and a commission in the United States Air Force. He served on Active Duty for 12 years as an F-15E fighter pilot and participated in combat operations in Kosovo, Iraq, and Afghanistan. He is a graduate of the Air Force Fighter Weapons School Top Gun and was an operational test instructor pilot and weapons expert evaluator. Chris transitioned to the Air Force Reserve in 2008 where he is a current F-15E instructor pilot. After his active duty service, he attended the University of Florida and graduated at the top of his class earning an MBA with concentrations in Securities Analysis and Real Estate. Chris brings his experience in risk management to all of his clients to help formulate customized wealth management solutions that seek to address both their short term needs and long term goals. He focuses on developing comprehensive strategies with tax efficient approaches to help high net worth families protect, preserve, and pass on their wealth effectively. His commitment to providing personalized advice includes an educational component, and not just solely its implementation. This helps differentiate him from many of his counterparts. Chris is married to Heather Bridges, who is also an active Air Force Reserve pilot with recent tours in the Middle East. They have four children and live in Leesburg, Florida. CHRIS BRIDGES 5
A Consultative Process Charting a prudent course to financial independence requires a well-conceived, personalized financial plan with defined, long-term goals. Our consultative wealth advisory process was developed to help generate that plan. Its key steps are designed to result in a broad, cohesive plan for the future. 1 We will begin by discussing what matters most to you and what you want to accomplish with your wealth. In addition to your finances and investments, we will talk about you, your values, lifestyle, your worries and what you are passionate about. 6 MORGAN STANLEY SMITH BARNEY
Discover Analyze 2 I will analyze your personal and financial information, assess risks, and identify potential threats to your financial health. Then I will present you with a comprehensive plan to address your income and cash flow needs, borrowing requirements, asset protection, retirement planning, wealth transfer and philanthropy goals. Review Implement 3 My objective approach to implementing your plan will pay special attention to how its various aspects can affect, enhance and integrate with each other. When appropriate, I will suggest seeking additional, in-depth advice on particularly complex planning, financial and family issues we have identified 4 We will review your portfolio together at your request. And when your circumstances change, I 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. ONEINPARTICULARISLIKELYTOHAVEALASTINGIMPACT ONYOURWELLBEINGANDTHATOFYOURFAMILY: 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 900 global locations 18,000 financial advisors 7 million client accounts $1.5 trillion client assets UNPARALLELED 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 wealthyinvestors. Additionally, asatruly global financial institution, we have an equally acute knowledge of financial opportunities and the potential risks. This combination positions us to develop, structure and execute solutions for your most important financial needs, from accumulating wealth to investing for income, from solidifying retirement security 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 membersofourglobalinvestmentcommittee 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 350 analysts at two of the world s largest investment banks, Morgan Stanley and Citi, who cover key 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. PERFORMANCE THAT MEETS YOUR MEASURE. Among the most important skills of our Financial Advisors is the abilitytolisten: tothoroughlyunderstand your financial needs and then align the resources to meet them. Your Financial Advisorcanhelpyouevaluateimmediate concerns and plan for long-term goals, be a sounding board for your investment ideas, assist you in developing and executing a strategy that is precisely your own and help deliver performance results that meet your needs. YourFinancialAdvisorisyouradvocate withinourfirm, anintelligenteditorwho 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. ONEOFTHEWORLD S STRONGEST INVEST- MENT ORGANIZATIONS STANDS BEHIND YOUR FINANCIAL ADVISOR Financial Advisors have access to top-flight research from both MorganStanley 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. 10 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, 2012 Morgan Stanley Smith Barney LLC. Member SIPC. 149015 07/2012 CRC 532062