The Fordham Group at Morgan Stanley Smith Barney

The Fordham Group at Morgan Stanley Smith Barney

The Fordham Group at Morgan Stanley Smith Barney 100 Europa Drive Suite 201, Chapel Hill, North Carolina 27517 919-960-5470 / Main 866-838-1467 / Toll-Free 919-960-5441 / fax www.morganstanley.com/fa/thefordhamgroup kimberly.smith1@mssb.com As the financial world becomes more complex and investment choices multiply, careful planning becomes ever more important to helping you achieve your financial goals. As s, our role is to work with you to help you develop a plan that lays out a clear path to your goals a plan that we develop in collaboration with you, and one that you can follow with confidence in the face of the market s ups and downs. Together, we will explore a broad range of topics that are likely to influence your financial future from your family situation to your career aspirations, from likely education expenses to the retirement you ultimately envision. What we learn will become the foundation for a financial and investment strategy based on who you are and where you want to go. Only then will we talk with you about the details of investing: how much risk makes sense, your asset allocation, and which investments are right for your portfolio. But that s just the beginning. Over time, we will revise your plan to reflect new aspirations and priorities, helping your plan keep pace as the markets change and your life unfolds. The Fordham Group 3

Meet the Professionals Gayle Bomar Senior Vice President Geoff Hudson Portfolio Manager Associate Vice President John Hudson Senior Vice President Gayle Bomar began his career at First Union National Bank municipal bond desk in 1970. He joined John at E.F. Hutton in the late 1970 s where he continued to develop his experience in portfolio management and alternative investments. His many years of experience in the area of alternative investments helps our team provide clients with a broad array of non-traditional investment options. Gayle received a BS in economics from the University of North Carolina at Chapel Hill, where he was football co-captain and MVP as quarterback for the Tar Heels in the late 1960 s. Geoff Hudson joined the team almost 15 years ago. His previous experience included a highly successful career with a fortune 500 company in which he received multiple national awards for his achievements. He is dedicated to performing much of the detailed analytical work needed to manage our client s assets. He bridges the gap between your financial plan and investments, with the goal of optimizing client s portfolios to meet their specific goals. John Hudson started with the banking arm of Wachovia in the late sixties. He later transitioned into the investment field in the early seventies. John earned a management role with E.F. Hutton in the late 70 s and was a primary driver of their expansion throughout the state of North Carolina. In the early 80 s John was one of the first advisors to adopt institutional style investing which is currently used by large foundations and endowments. We continue to use those same core principals while working with our clients. John is a graduate of East Carolina University and completed studies at the Institute of Finance in New York and the Wharton Business School, Philadelphia, Pennsylvania. 4 Morgan Stanley Smith Barney The Fordham Group 5

Jessica Standifer Certified Financial Planner David Bomar Kim Smith Senior Client Service Associate Tonya Newkirk Senior Client Service Associate Jessica Standifer has been in the financial services industry for 9 years and joined the team in 2001. She graduated from N.C. State University with a B.S. in Business Management with a Concentration in Personal Finance. She has also earned the CFP designation. Throughout her career Jessica has focused on financial planning, helping our clients develop a comprehensive financial plan and evaluate potential estate planning issues. As part of this process she also provides expertise in the areas of asset beneficiary designations, insurance and trusts. David Bomar has been in the financial services industry for 8 years and joined the group in 2005. He previously worked within the banking industry and held a position with a Fortune 500 company. These experiences enabled him to develop a working knowledge in both lending and corporate benefit systems. David helps clients design corporate stock option and hedging strategies as well as tailoring lending solutions for both individuals and businesses. As graduate and football letterman of the University of North Carolina, he also enjoys working with professional athletes. Kim Smith joined the team in 2006 after being with Wachovia Securities since 2000. She started her career in the Service Center as the wire operator and was promoted to Branch Operations Liaison. She continued in this role until joining our team. Kim currently leads our customer service efforts and enjoys assisting clients with operational issues including account paperwork, withdrawals and tax documents. Tanya Newkirk joined the group in 2006 after a 21 year career in operations at Merrill Lynch. Her long tenure included Customer Service, Retirement, Retail Banking, International New Accounts, and Monetary Control Specialist in the Margin Department. Tanya leads our daily account operations and is instrumental in client communication and documentation. 6 morgan STanley SmiTh Barney

Developing Your Wealth Management Strategy Individuals work hard to build wealth in pursuit of a meaningful life for themselves and their family. 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 by accessing the resources and perspective of one of the world s largest financial firms. Before our team offers specific advice, however, we must understand who you are and what you want your wealth to accomplish. Working with you, we will complete a four-step process: 1 Setting your financial objectives We will begin our relationship by listening discussing a range of topics related to your financial needs and investment objectives: long-term life goals and expectations, possible major purchases, and legacy and charitable goals, if you have them. We will discuss your current financial resources, your time horizon for various goals, your 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. 2 Developing your wealth management strategy Based on your input, our advice will likely help address income and retirement planning, asset protection, investment management, strategic borrowing, wealth transfer and business succession. Of course, your plan will include an asset allocation strategy designed to help achieve your financial goals in light of your risk tolerance and investment time horizon. 3 Implementing your strategy After we have discussed and refined your strategy, the team works closely with you to bring the elements to life. Should we decide together that outside money managers are appropriate for you, we will draw on in-depth research and analysis to help you select from the hundreds of investment management firms available to you. If you prefer to invest in individual securities, we can help identify specific stocks, bonds and other securities that may be suitable for your portfolio. Whatever approach we decide on, the team will help you keep your strategy on track. 4 Reviewing your performance You will receive a quarterly review that outlines your portfolio s performance, helping you track progress toward your objectives. Moreover, when your personal situation or market conditions change significantly, we can suggest appropriate adjustments to your portfolio to help it remain aligned with your goals. 8 morgan STanley SmiTh Barney

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 meet 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 define your objectives and needs, and then structure a plan that is uniquely your own. 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. 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, we can help you develop and implement a strategy based on your vision of retirement. 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. The Fordham 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 information contained in this article is not a solicitation to purchase or sell investments. Any information presented is general in nature and not intended to provide individually tailored investment advice. The strategies and/or investments referenced may not be suitable for all investors as the appropriateness of a particular investment or strategy will depend on an investor s individual circumstances and objectives. Investing involves risks and there is always the potential of losing money when you invest. The views expressed herein are those of the author and may not necessarily reflect the views of Morgan Stanley Smith Barney LLC, Member SIPC, or its affiliates. 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. 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 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. 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. Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Smith Barney s 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. 2011 Morgan Stanley Smith Barney LLC. Member SIPC. 6657635 04/11