The Beacon Group at Morgan Stanley Smith Barney A guiding light for your financial journey
1800 BROADWAY STE 120 BOULDER, CO 80302 720-562-6233 / MAIN 800-787-5218 / TOLL-FREE 303-939-9007 / FAX http://fa.morganstanleyindividual.com/dana.albright/ dana.albright@morganstanley.com patricia.harding.walker@morganstanely.com rebecca.batizy@morganstanley.com
The Beacon 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 BEACON GROUP 3
Meet the Professionals The Beacon Group 4 MORGAN STANLEY SMITH BARNEY
Dana Albright, CFP, CIMA Financial Planning Specialist Wealth Advisor Investment Management Consultant Patricia Harding Walker Investment Management Consultant Vice President - Wealth Management Financial Advisor Rebecca Batizy Senior Registered Client Service Associate THE BEACON GROUP 5
For Life's Most Important Goals With experienced professionals and the right resources, reaching your most important goals can be less challenging and more rewarding. We are ready to help you meet your goals, by combining our insights 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 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 Separately Managed Accounts
Building a Unique Legacy Estate planning typically brings together the dimensions of life: personal, family, financial and charitable. We 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. 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. Credit Facilities Cash Management Retirement Plans Strategic Consulting and Transactions Succession Planning Protecting Your Wealth Insurance can play a critical role in virtually any comprehensive financial strategy, helping you to protect the value of your assets, protect your income and your family s financial security even perform important functions in a business succession or estate plan. We can help you analyze your current insurance portfolio and work to update your coverages to fulfill personal and strategic goals. Life and Disability Income Insurance Life Insurance Trusts Key-Person Insurance 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. Home Finance Lending Services Debt Restructuring Securities-Backed Loans THE BEACON GROUP 7
Financial Advisors have access to TOP-FLIGHT RESEARCH from both Morgan Stanley and Citi, and to the CENTER FOR INVESTMENT EXCELLENCE, a proprietary source of market research and actionable investment ideas. Morgan Stanley Smith Barney is the only firm that has a SALES AND TRADING business dedicated exclusively to serving the needs of our wealth management clients. 3,000 global companies tracked 350 research analysts 225 independent capital markets professionals 40 MSSB has the most comprehensive MANAGER DUE-DILIGENCE team in the industry. manager research professionals 1,300 investment products For suitable investors, a team of dedicated research analysts track ALTERNATIVE INVESTMENT 30 200 unique strategies strategies implemented by the most sought-after fund managers. One of the World s Strongest Investment Organizations Stands Behind Your Financial Advisor Information as of 05/30/2010 unless otherwise indicated dedicated research analysts
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 PROFOUND UNDER- STANDING OF WEALTH MANAGEMENT NEEDS Business Strategies Charitable Pursuits Education Funding Estate Planning Integrated Planning Investment Management Liquidity Retirement Risk Management 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 ofmorganstanleysmithbarneyfor you, delivering the right resources to youinthewaythatismostappropriate for how you invest and what you want to achieve. 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 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. 607868 08/2012 CRC 526729 CA Insurance Lice # 0D71949