The Spectrum Group at Morgan Stanley

The Spectrum Group at Morgan Stanley

20807 Biscayne Boulevard Sixth Floor, Aventura, FL 33180 305-937-7100 / MAIN 800-736-4554 / TOLL-FREE 305-937-7136 / FAX www.morganstanleyfa.com/thespectrumgroup

The Spectrum Group at Morgan Stanley The Spectrum Group: Wealth Management Through Prudent Planning As the financial world becomes increasingly complex, sound financial planning is no longer a luxury. It has become a virtual necessity. The Spectrum Group is a seasoned team of financial professionals who have served the diverse needs of high net worth investors, foundations, and corporations for many years. We have the resources and expertise to craft a comprehensive plan for you and manage it prudently over time. The Spectrum Group takes a holistic approach to planning. Before we make any recommendations, we will work closely with you addressing a broad spectrum of issues, such as your current family situation, career aspirations, education costs, retirement goals, and estate plan. What we learn becomes the foundation for a sound strategy based on your unique profile and goals. From there, we will discuss such issues as your risk tolerance, asset allocation and the most suitable investments for you. But that is just the beginning. Over time, we ll meet with you regularly to modify your plan to reflect changes in your life. At the Spectrum Group, our goal is to create a comprehensive plan that you can follow confidently, regardless of the ever-changing economic landscape. THE SPECTRUM GROUP 3

Meet the Professionals Seated (left to right): Howard Lerner, Joseph Fezza, and Jonathan Sackson. Standing (left to right): Stephanie Hammer, Kate DeSoto, Sherry Corriveau and Kathleen Ferraro 4 MORGAN STANLEY

Howard M. Lerner Portfolio Manager Senior Vice President - Wealth Management Wealth Advisor Jonathan D. Sackson, CIMA Senior Portfolio Manager Senior Vice President - Wealth Management Financial Advisor Joseph A. Fezza, CFP Portfolio Management Director Senior Vice President - Wealth Management Wealth Advisor Howard Lerner is a Senior Vice President and Wealth Advisor at Morgan Stanley. He began his financial services career at Merrill Lynch in 1987 on the Middle Markets Fixed Income Desk in New York. In 1993 Howard moved to Florida to pursue a career as a Financial Advisor. In 1994, he joined Dean Witter, now Morgan Stanley Wealth Management, where he has served in a variety of roles, including ten years in management. Howard sits on the Boards of Joe DiMaggio Children s Hospital and Equine-Assisted Therapies of South Florida. He is also active in the Arts through his relationship with The Broward Center for The Performing Arts. He lives in Hollywood, Florida with his wife, Laura, and their twin sons, Asher and Jess. Jonathan Sackson has been in the financial advisory business since 1992. Jonathan obtained his MBA from the Wharton School of Business, University of Pennsylvania 1982, and his BA, Liberal Arts, from St. Johns College, Annapolis, MD 1970. He returned to Wharton to complete his Certified Investment Management Analyst work in 2005. The CIMA designation focuses on asset allocation, manager search and selection, investment policy and performance measurement. Currently, he serves on the Investment Advisory Committee for Miami Dade College (MDC), the body that oversees MDC s substantial College & Foundation Endowments. Jonathan and his wife, Mary Beth, make their home in Ashville, NC. Joseph Fezza was recognized as a Top Wealth Advisor by South Florida Business Journal in 2007 and 2008 and one of the Top 1000 Advisor by Barron s in 2009 and 2010. He has been a Member of Morgan Stanley s President s Club and Chairman s Club since 1993. He completed his Certified Financial Planner designation in 1991 and Morgan Stanley Wharton Graduate School Senior Advisor Program in 1997. Having been with Morgan Stanley, since December of 1984, he has witnessed and experienced scores of market conditions that have influenced the performance of his clients portfolios. His first priority is to help you achieve your financial goals. His time away from the office is spent in the Florida Keys with his wife and two children. THE SPECTRUM GROUP 5

Kate R. DeSoto Financial Advisor Kathleen M. Ferraro Portfolio Management Associate Sherry A. Corriveau Senior Registered Associate Kate DeSoto serves as a Financial Advisor at Morgan Stanley as well as a valued member of The Spectrum Group at Morgan Stanley. She entered the Financial Services Industry in 2007 as a Registered Marketing Associate at UBS Financial Services in Charlotte, NC. Her focus during that period was on municipal and taxable fixed income markets where she was responsible for generating financial plans and conducting client reviews. Originally from Columbus, Indiana, she is a graduate of Indiana University, with a BS in Psychology and a BA in Criminal Justice. Kate and her husband Starkey moved to South Florida in January 2012, where she joined The Spectrum Group in September of 2012. An avid runner and a seasoned traveler, she regularly runs in major racing events. Kathleen Ferraro is a Portfolio Management Associate. She joined the firm in 2002 after accumulating extensive experience in the banking sector. Kathleen has her Series 7, 3, 31, 66 Life/Variable Annuity licenses. She uses the advanced technology available at the firm to analyze account allocations and performance for clients and prospective clients. She presents our team with data that facilitates the best review available for portfolio effectiveness. Kathleen provides extensive account management service to our clients and acts as a conduit to Morgan Stanley Private Bank for security-based lending or tailored-lending services.** In addition, she has personal experience with Eldercare issues, which has proven valuable to our team and our clients. Kathleen is the proud mother of two daughters and grandmother of three grandsons. As Senior Registered Associate, Sherry Corriveau s friendly voice and warm personality are one of our team members you will hear when you contact us, The Spectrum Group at Morgan Stanley. Her primary responsibility is to provide a suite of account management services to The Spectrum Group s clients and help ensure they are delivered with quality. Sherry has her Series 7, 63, and 65 licenses as well as Florida Life Health and Variable Annuity licenses. She has been a valued member of Morgan Stanley s team since 2009, and has worked in the financial services industry since 1995. A resident of South Florida since 1970, Sherry is the mother of three grown children and is actively involved in her local community. 6 MORGAN STANLEY

Stephanie Hammer Senior Client Service Associate Stephanie Hammer joined Morgan Stanley, formerly Dean Witter in September 1988. She started her career in 1985 in the financial sector in New York City. She has worked in different roles within the company, including Operations Manager for 10 years. Stephanie brings to our team a wide-range of knowledge in the operational area as a Senior Client Service Associate. Her outstanding skills, communication, and attention to detail allow us to provide exceptional service to our clients. Stephanie is a mother to four beautiful children and an exceptionally young grandmother to four. She loves to read, travel, and cook for her growing family.

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. 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 Strategic consulting and transactions 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 Separately managed accounts

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. 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. 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. 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 529 plans and custodial accounts. Giving back through philanthropy Many successful individuals seek opportunities to support cultural and educational institutions, and nonprofit organizations and activities. Properly undertaken, charitable giving can provide planning flexibility and benefits for you. We can help you analyze and implement a strategy that rewards you while it benefits causes you care about. Charitable lead and remainder trusts Family foundations Donor advised funds 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. 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 longterm costs and taxes. Home finance Lending services Securities-backed loans THE SPECTRUM GROUP 9

Call The Spectrum Group Today For more information about The Spectrum Group and how we can be a valuable resource in securing your financial future, feel free to call us today at 305-937-7100. If you would like, we will set-up an appointment to meet with you at your convenience. Whatever your goals, we at The Spectrum Group will show you how we can create a comprehensive, long-term financial plan that you can feel confident in for many years to come. We are deeply committed to addressing the full spectrum of your financial needs to build a sound financial plan that s right for you. The Spectrum Group 10 MORGAN STANLEY

*Research is provided through affiliated companies Source: Barron's Top 1,000 Advisors, February 20, 2010, 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 pays 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. Source: Barron's Top 1,000 Financial Advisors, February 9, 2009, as identified by Barron's magazine, using quantitative and qualitative criteria and selected from a pool of over 800 nominations. Advisors in the Top 100 Financial Advisors have a minimum of seven years of financial services experience and $600 million in assets under management. 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. **Tailored Lending may not be available in all locations, and may not be appropriate for all clients. Rates, terms and programs are subject to change without notice. The contents of this document should not be construed as a commitment to lend. Morgan Stanley Private Bank, National Association is an Equal Housing Lender and member FDIC that is primarily regulated by the Office of the Comptroller of the Currency. The proceeds of a Tailored Lending loan/line of credit may not be used to purchase, trade or carry margin stock, or to repay debt that was used to purchase, trade or carry margin stock and cannot be deposited into a Morgan Stanley Smith Barney LLC or other brokerage account. Morgan Stanley Smith Barney LLC ( Morgan Stanley ) is a registered Broker/Dealer, member SIPC, not a bank. Where appropriate, Morgan Stanley has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services. Unless specifically disclosed in writing, investments and services offered through Morgan Stanley are not insured by the FDIC, are not deposits or other obligations of, or guaranteed by, a bank and involve investment risks, including possible loss of principal amount invested. 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 investors individual circumstances and objectives. 2014 Morgan Stanley Smith Barney LLC. Member SIPC. 2009415 02/2014 CRC 806915