The Klausner & Duffy Investment Group at Morgan Stanley Smith Barney

The Klausner & Duffy Investment Group at Morgan Stanley Smith Barney

800 East 96th Street Suite 400, Indianapolis, Indiana 46240 317-818-7300 / Main 888-930-0159 / Toll-Free 317-818-7440 / fax jonathan.klausner@mssb.com john.m.duffy@mssb.com derek.disalvo@mssb.com caryn.wilkinson@mssb.com jennifer.margason@mssb.com

The Klausner & Duffy Investment Group at Morgan Stanley Smith Barney As Financial Advisors, our role is to help you use your wealth to achieve what is most important to you. That may mean providing an education to children and grandchildren, buying a vacation home, meeting the special needs of a family member, retiring ten years early the list is endless, and the decision is uniquely your own. Together, we will explore your aspirations and the life you envision. We will work with you to translate your goals into a specific investment objective and personalized investment strategy. And then, drawing on the team s experience and perspective informed by the insight and resources of one of the world s largest financial firms we will structure a portfolio for you, executing and refining that strategy to help bring you closer to your definition of investment success. In short, your goals become our focus, and working towards them becomes a commitment that we share. The Klausner & Duffy Investment Group 3

Meet the Professionals Left to right: Caryn E. Wilkinson, John M. Duffy, Jonathan E. Klausner, Derek E. DiSalvo, Jennifer Margason 4 Morgan Stanley Smith Barney

Jonathan E. Klausner Senior Vice President Wealth Management Financial Advisor John M. Duffy Senior Vice President Wealth Management Financial Advisor Derek E. DiSalvo Financial Advisor Jonathan brings over 22 years of investment brokerage experience to his clients. Prior to his role at Morgan Stanley Smith Barney, Jonathan served as Senior Vice President-Investments at UBS Financial Services Inc where he was named a member of the 2012 Chairman s Council. Jon began his successful career in 1990 at Prudential Securities in Atlanta, Georgia. His area of focus resides in assisting clients with accumulating, preserving and transferring their wealth. Jon was named in Barron s Top 1000 Financial Advisors in 2009, 2010, 2011, and 2012. He is a graduate of Indiana University-Bloomington with a Bachelor of Science degree in economics. Jon and his wife, Heidi, have three children: Justin, Samantha and Madison and reside in Carmel, IN. John brings to his Morgan Stanley Smith Barney clients, over 19 years of investment brokerage and asset management experience. During his career, he has specialized in working with affluent and emerging affluent families and individuals in the development and implementation of customized investment portfolios to help meet their specific needs. Areas of concentration include; bond portfolio structuring and management; stock and option portfolio management; hedging and liquidation strategies for concentrated equity positions, and general investment needs. John is a graduate of the University of Indianapolis earning a degree in Business and Communication. John and his wife Melissa live in Fishers, IN and have three children, Martin, Michael and Lauren. Derek started his career at UBS Financial Services Inc. in 2008 as part of the Firms Financial Advisor Associate Program. Through advanced training he developed skills in stock and bond portfolio construction, portfolio risk management, and financial forecasting. Derek joined the Klausner & Duffy Investment Group as a Financial Advisor in January of 2010 and has quickly become a valued part of the team in providing financial reviews, portfolio risk assessment and implementation. Derek is a graduate of Miami University in Oxford Ohio where he earned a Bachelor s Degree in Business Finance. The Klausner & Duffy Investment Group 5

Caryn E. Wilkinson Senior Registered Associate Jennifer Margason Senior Registered Associate Caryn has worked in the brokerage industry since 1995. She gained experience in training and operations while beginning her career at Charles Schwab. In 2006, Caryn joined the Klausner & Duffy Investment group at UBS Financial Services Inc as a Registered Client Service Associate. She has a Bachelor s Degree in Marketing from Indiana University Kelley School of Business. She also holds a Series 7 and a Series 63 license. Caryn and her two children, Abby and Aiden, live in Fishers, IN. Jenny has over 18 years of client service and investment brokerage experience that she brings to the Klausner and Duffy Investment Group and their clients. Jenny began her career on the investment trading and execution side of the brokerage business and from there she grew into a Senior Client Service role, which she enjoys today. Her desire is to provide an excellent, high touch, personal service experience to the Klausner and Duffy groups clientele. She holds the Series 7, Series 63 and 65 license designations, allowing her the ability to accept trade instructions from clients in addition to her administrative responsibilities. Jenny and her husband Bill are very involved in their local church, including being members of the Student Ministry Committee. The Margasons reside on the south side of Indianapolis with their three children, Robby, Tyler and Samantha. 6 morgan stanley smith Barney

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. We are ready to help you with your goals, by combining our 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. We will work with you to explore and help define your objectives and needs, and then structure a wealth plan that is uniquely your own. Strengthening your business The links between business ownership and personal wealth are many and complex. Whether your objective is to grow your business, realize its value through a succession strategy or sale, or maintain family ownership by the next generation, we can examine your alternatives in light of both business and personal objectives. And, should circumstance require it, we can use the access to banking services of Morgan Stanley Smith Barney.

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. 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. We can help you access appropriate investment vehicles such as education savings programs and custodial accounts. Shaping your retirement Together we can work to make decisions that could help you move toward your retirement. Whether you are building retirement wealth or making the transition to generating income from your assets, we can help you develop and implement a strategy based on your vision of retirement. 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. We can help you meet your personal cash management and borrowing needs while thinking strategically about how approaches may affect current and long-term costs and taxes. The Klausner & Duffy Investment Group 11

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. The investments 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. Source: Barron s Top 1,000 Advisors, February 20, 2012, as identified by Barron s magazine, using quantitative and qualitative criteria and selected from a pool of over 4,000 nominations. Advisors in the Top 1,000 Financial Advisors have a minimum of seven years of financial services experience. Qualitative factors include, but are not limited to, compliance record, interviews with senior management, and philanthropic work. Investment performance is not a criterion. The rating may not be representative of any one client s experience and is not indicative of the financial advisor s future performance. Neither Morgan Stanley Smith Barney LLC nor its Financial Advisors pay a fee to Barron s in exchange for the rating. Barron s is a registered trademark of Dow Jones & Company, L.P. All rights reserved. Asset Allocation does not assure a profit or protect against loss in declining financial markets. Asset allocation and diversification do not guarantee a profit or protect against loss. Alternative investments are speculative and include a high degree of risk and are suitable only for long-term investors willing to forego liquidity and put capital at risk for an indefinite period of time. Investors could lose all or a substantial amount of their investment. Structured Investments involves risks, which can include but are not limited to: fluctuations in the price, level or yield of underlying instruments, interest rates, currency values and credit quality; substantial loss of principal; limits on participation in appreciation of underlying instrument; limited liquidity; conflicts of interest; and Morgan Stanley Smith Barney credit risk for Morgan Stanley Smith Barney Structured Investments. 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 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. Asset Allocation does not assure a profit or protect against loss in declining financial markets. Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, not a bank. Where appropriate, Morgan Stanley Smith Barney has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services. Banking and credit products and services are provided by Morgan Stanley Private Bank, National Association., Morgan Stanley Bank, N.A. or other affiliates. Investment services are offered through Morgan Stanley Smith Barney LLC, member SIPC. Unless specifically disclosed in writing, investments and services offered through Morgan Stanley Smith Barney are not insured by the FDIC, are not deposits or other obligations of, or guaranteed by, the Bank and involve investment risks, including possible loss of principal amount invested. Borrowing against securities may not be suitable for everyone. You should be aware that securities-based loans involve a high degree of risk and that market conditions can magnify any potential loss. Most importantly, you need to understand that: The loan can be called at any time and for any reason. Sufficient collateral must be maintained to support your loan(s) and to take future advances. You may have to deposit additional eligible securities or funds for investment on short notice. Some or all of your securities may be sold without prior notice in order to maintain account equity at required maintenance levels. You will not be entitled to choose the securities that will be sold. These actions may interrupt your long-term investment strategy and may result in adverse tax consequences or in additional fees being assessed. Morgan Stanley Smith Barney or its affiliates (the Firm) reserves the right not to fund any advance request due to insufficient collateral or for any other reason. Your collateral maintenance requirements can be increased at any time without notice. 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 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 trusts, estate planning and other legal matters. 2012 Morgan Stanley Smith Barney LLC. Member SIPC. 7111999 03/12