M&T Group at Morgan Stanley Smith Barney
We welcome you, not only as client, but also as members of our extended family. We are a group of qualified individuals who have joined together with one common goal: to provide a high level of service to our clients. Our client centered approach ensures that our experience and skills, along with the vast resources of Morgan Stanley Smith Barney, are focused on our goal to provide you with excellent, strategic financial advice. The M&T Group has one major objective to make Morgan Stanley Smith Barney the name you trust to meet your financial needs. We want to work with you to determine what goals are most important and then help you achieve those goals. The M&T Group takes pride in providing you with sound advice. We will consider your objectives and seek to preserve the assets you ve worked so hard to accumulate. We are committed to providing the highest possible service. We define our success by our clients success! Warmest Regards, John L. McCarthy Philip Triolo Frank Lewandowski, CFP John P. Finneran, III Patrick O Connor MORGAN STANLEY SMITH BARNEY/2
Our Mission We are dedicated to bringing together the resources to assist you in the growth and success of both your business and your personal finances. Whether you need cash management, an employee stock ownership plan, growth capital, exit advice, or other services, we can assist with all your business goals or any one of them. At the same time, we deliver tailored investment strategies to help you manage and preserve your wealth. We know that you have invested a lot more than just money in your company. Our goal is to serve as your Financial Advisors to help solve your business and personal financial issues, turning your needs and obstacles into potential opportunities. Our Vision We believe that the increasing complexity of today s financial and investment landscape demands our very best efforts. And part of that effort is to join together with other Morgan Stanley Smith Barney professionals selected for their knowledge, commitment and devotion to client service. We believe that our efforts should not be limited by geography or investment focus, and so we strive to create a comprehensive menu of investment and financial services all built on the global stability of the Morgan Stanley Smith Barney platform. Our goal is to have the ability to serve, not only the multinational corporation, but also the family seeking retirement security. To that end, we have joined together several dedicated professionals in a partnering of resources. To deliver personalized attention, we leverage our team s capabilities and resources to research and develop highly customized investment strategies, some of which our team manages, and some of which are managed by money managers through Morgan Stanley Smith Barney s Consulting Group. MORGAN STANLEY SMITH BARNEY/3
Meet The Professionals Frank B. Lewandowski, CFP Senior Vice President - Wealth Management, Retirement Planning Specialist, Financial Planning Specialist Mr. Lewandowksi began his career as a Financial Advisor in 1989 with Morgan Stanley Smith Barney and its predecessors. He is an Institutional Relationship Manager and focuses on Corporate Stock Option Plans, Corporate Retirement Plans, Foundations and Endowments, as well as High Net Worth Individuals. He is a member of the firm s President s Council, and has been awarded America s Top Financial Planners Awards for 2008 and 2009, which selects advisors based on a point value system that awards points for education, years in practice, and affiliations with professional associations. Mr. Lewandowski graduated from Syracuse University with a Bachelors of Arts in 1971, and then earned his Certified Financial Planner (CFP ) designation in 1994. He is currently a member of the Certified Senior Advisors, the Philadelphia Securities Association and Phi Kappa Phi in Syracuse, NY. He is also a frequent volunteer for numerous community activities. Mr. Lewandowski is a newly remarried father of 8 children, and currently resides in Berwyn, PA. In his spare time, he enjoys woodworking, gardening, squash, golf, and is an avid Syracuse University Basketball fan. John L. McCarthy, Director - Wealth Management, Institutional Fixed Income Group Mr. McCarthy began his career as a Financial Advisor and Institutional Fixed Income Salesman in 1987 with Shearson Lehman Brothers, a predecessor firm to Morgan Stanley Smith Barney. He is an Institutional Relationship Manager and focuses on Institutional Client Services, Institutional Fixed Income, both corporate and municipal, as well as developing relationships with high net worth individuals. He is a member of the firm s Director s Council. Mr. McCarthy graduated from the Villanova School of Business at Villanova University in 1987 with a Bachelors of Science in Business Administration, and then again in 1994 with an MBA. He currently serves on the Board of a local little league and is actively involved in autism awareness efforts, cancer research fundraising, and supporting local high school athletic teams. Mr. McCarthy is married with 2 children and currently resides in Malvern, PA. In his spare time, he enjoys following local sports teams and spending time outdoors in a variety of activities. MORGAN STANLEY SMITH BARNEY/4
Patrick O Connor, Registered Marketing Associate, Financial Planning Specialist Mr. O Connor began his investment career in 1996 with Morgan Stanley Smith Barney and its predecessors. He has extensive experience in banking relationships and focuses on High Net Worth Individuals, as well as strategic partnerships with other area professionals. He also focuses on retirement planning. Mr. O Connor graduated from West Chester University in 1986 with a Bachelors of Science in Business Administration. He currently volunteers his time helping local schools and elderly couples in the area. Mr. O Connor is married, and is currently expecting his first child. He resides in Rosemont, PA, and in his spare time he enjoys bike riding and chess. John P. Finneran III, Financial Advisor, Financial Planning Specialist Mr. Finneran began his career as a Financial Advisor in 2007 with Morgan Stanley Smith Barney and its predecessors. He is an Institutional Relationship Manager and focuses on Corporate Cash Management, Corporate Retirement Plans and works with many Professional Athletes and High Net Worth Individuals. Mr. Finneran graduated from the Villanova School of Business at Villanova University in 2007 with a Bachelors of Science in Business Administration. He was also a member of the Villanova University Wildcat Football team. He currently volunteers his time as an Assistant Coach for a local Junior College football team, and helps out with local youth football organizations. Mr. Finneran is single and currently resides in Plymouth Meeting, PA. In his spare time, he enjoys traveling, playing sports, various outdoor activities and spending time with his family. Philip C. Triolo, Senior Vice President - Wealth Management, Institutional Fixed Income Group Mr. Triolo began his career as a Financial Advisor and Institutional Fixed Income Salesman in 1996 with Morgan Stanley Smith Barney and its predecessors. He is an Institutional Relationship Manager and focuses on Institutional Client Services and Institutional Fixed Income, both corporate and municipal. He is a member of the firm s Blue Chip Council, as well as its Director s Council. Mr. Triolo graduated from the Villanova School of Business at Villanova University with a Bachelors of Science in Business Administration in 1996. He currently volunteers his time helping local little leagues, as well as helping to find a home for abused animals. Mr. Triolo is single and currently resides in Chesterbrook, PA. In his spare time, he enjoys biking, exercising, and following local sports teams. MORGAN STANLEY SMITH BARNEY/5
Our Process Includes The Following Steps: Step 1. Setting Your Financial Objectives We begin by reviewing your current financial resources, objectives and other circumstances that might influence your investment strategy. We analyze your time horizon and tolerance for risk, as well as any current and potential liabilities. From a business standpoint, we discuss your current financial systems and what you may need to meet the day-to-day or growth demands of your business. Step 2. Developing Your Financial-Management Strategy Based on your input, our recommendations could encompass such varied disciplines as retirement planning, business succession, debt restructuring and wealth transfer. Your plan also includes a customized asset allocation that helps to identify appropriate diversification strategies. Step 3. Implementing Your Investment Plan After presenting you with a detailed strategy for your portfolio, we work closely with you to help bring the elements to life. Should we decide that a professionally managed investment approach is appropriate for you, we will access Morgan Stanley Smith Barney s considerable resources to review hundreds of investmentmanagement firms competing for your business and select the ones that align with your set of financial objectives. Or perhaps, you d prefer individual securities; if so, we can identify specific securities that will be suitable for your portfolio. Step 4. Providing Business Strategies Having helped to identif y your business challenges and obstacles, we consult with specialists throughout the firm to bring you the services you may need to take your business to the next level. Step 5. Reviewing Objectives and Performance We frequently and systematically review your wealth plan so we can help you adapt to changes in your life. Milestones like marriage, children and grandchildren, buying and selling a home, starting another business or selling your current one, and retirement can all have an effect on your plan and how we can help you to meet your objectives. Of course, we can work with you to evaluate your investment portfolio over time, recommending adjustments as necessary, so that your investment strategy can keep working hard. Diversification does not guarantee a profit or protect against loss.
Wealth Management Resources Income and cash-flow planning, strategic borrowing, asset protection, wealth transfer, investment analytics Retirement Planning: income and cash-flow, 401(k) plans, IRA rollovers Estate Planning: trust structures, lifetime gifts, insurance planning, charitable giving Online Account Access: account information-even on accounts held outside Morgan Stanley Smith Barney - is listed on one page at smithbarney.com Capital Strategies Group: investment-banking services for closely held and family-owned businesses; services include exit strategies and liquidity solutions, mergers and acquisitions (primarily sell-side), partial exits including recapitalizations; employee stock ownership plans; and capital solutions Business-Succession Planning: buy-sell agreements, family limited partnerships, limited liability companies, grant or retained annuity trusts and other types of wealth transfer FMA (Financial Management AccountSM): simplified cash management, Automatic Funds TransferSM, online bill payment, FMA MasterCard, Debit card with a free rewards program, account distributions, tax reporting Customized asset-allocation advice, extensive investment-advisor research, automatic rebalancing, ongoing monitoring and performance reporting Restructure debt, improve cash flow, facilitate estate planning, pledge collateral to help family members, access capital to operate and expand a business, and finance a home Home Finance: fixed- and adjustable-rate mortgages for first and second homes, as well as borrowing alternatives that can take advantage of existing home equity Commercial Banking: credit and finance for businesses, along with real estate, cash management and Treasury service can help protect wealth from creditors and taxes; transfer assets, business holdings and values to future generations Investment Advice: diversification and asset allocation; downside protection and liquidity strategies for concentrated positions Insurance: income protection; wealth transfer strategies; business-continuity strategies; life, disability and long-term care policies Trust Services: administration, management and distribution of trust assets Philanthropic Services: integrating philanthropy into wealth planning; donor-advised funds, charitable trusts and family foundations Global expertise leads to a wider selection of markets, more favorable executions and insights into issuers and global trends Global Fixed Income: U.S. Treasury and agency bonds, corporate bonds, mortgage-backed securities, international bonds, preferred securities, emerging-market debt and specialized services including the Fixed Income High Net Worth Program SM, which includes quarterly and yearly reports Business banking and insurance services, working and growth capital, diversification of personal wealth, capital-structure and exit strategies Borrowing: equipment acquisition and leasing, real estate acquisition and financing, franchise financing Cash Management: deposit/banking services, cash concentration and sweep accounts, lockbox and receivables control, payment strategies, controlled disbursement Retirement Plans: profit-sharing plans, 401(k) plans, savings incentive match plan for employees (SIMPLE IRA), defined benefit plans, non-qualified deferredcompensation plans
Our Philosophy As Financial Advisors, we have access to a global platform of products and services that enables us to provide a high degree of tailored client service. The Way We Do Business A successful business is a life s work. Which is why helping to manage your business finances can t be separated from your personal finances. That s why we like to begin each new relationship with a review of both your personal and your business financial picture. Because every client is unique, we spend time listening to your story. How you got to where you are today. As well as where you want to be tomorrow. Once we have a thorough understanding of your situation, we can begin to help you manage your wealth, suggesting ways that your personal assets can support your business growth. And ways in which your business can help your personal goals. The cornerstone of our service commitment is to offer clients distinctive, caring and personalized attention, in addition to timely communication and availability. Each client relationship begins with a careful consideration of our clients long-term financial objectives and life aspirations. We seek to grow that relationship by continuously striving to transcend their expectations, as well as consistently helping them to instill value and leave a legacy for the people who matter most to them. MORGAN STANLEY SMITH BARNEY/8
Helping Your Business Do Business When we think about your personal finances, we make sure to factor in what we believe is likely to be your single largest asset your business. And, when we think about your business, we see it for what it really is as part of a far larger enterprise your life. As your business grows, so may your need for more complex banking and advisory services. Your financial advisor can consult with specialists throughout Morgan Stanley Smith Barney to advise you on the many issues your business encounters, and to assist with any one or all of them. Access to Growth Capital: Accessing capital when you need it can mean the difference between falling behind the competition and capturing market share. Managing Cash: Efficient transactional banking and cash management systems designed to grow with your business can save you time and money. We can help you simplify your cash management process and potentially improve the returns on your cash balances. Protecting Your Business: Insurance, trust and estate planning specialists can help you identify ways to safeguard your business in a way that is worthy of this valuable asset. At the same time, our pre-liquidity and succession planning services will help you prepare for the eventual transfer of your business, with the goal of managing estate and gift tax consequences. Planning For Retirement: A properly designed retirement plan allows you to attract and retain qualified employees. It can also generate substantial tax savings for your business. Our retirement specialists can tailor a plan that best suits you and your company. Exiting the Business: When the time comes to exit your business via an outright sale, recapitalization, Employee Stock Ownership Plan (ESOP), or other liquidity event, experts can help you through the complexities of a transaction, from beginning through successful close. Comprehensive Wealth Management: All along, we can help you manage the rewards of your hard work with an investment strategy that aims to protect the assets you ve worked so hard for, as well as to generate additional wealth. MORGAN STANLEY SMITH BARNEY/9
The Morgan Stanley Smith Barney Advantage Our approach is simple. We want to know as much as we can about our clients, so we re in the best possible position to help them. And that doesn t mean we just want to know about their finances True, we have to understand what your assets and liabilities are, and how your portfolio is structured. But the more important information has to do with your goals for yourself and your family, your feelings about where you are and where you hope to be and, of course, your fears, and the things that might prevent you from getting what you want. Because everyone is different, we tailor our recommendations for each client s unique set of goals and challenges. Maybe you want to be able to retire at 55 and start a new business. Maybe you want to be able to pay both college tuition for your child and nursing home care for your mother. Maybe you re in the middle of a divorce and you want to ensure your children s inheritance doesn t go to the future spouse of your ex. This in-depth knowledge of you, combined with our in-depth knowledge of your planning and investing, will help us create strategies aimed at trying to achieve the things you really want. And we have the freedom and the good fortune to implement those strategies using the products, services and skills of a large financial services firm. It s time to throw out your notions of what you can talk about with us. We look forward to the conversation. MORGAN STANLEY SMITH BARNEY/10
On behalf of MorganStanley SmithBarney, M&T Group welcomes the opportunity to discuss your Financial Service needs.
M&T Group at MorganStanley SmithBarney 899 Cassatt Road Suite 100 Berwyn, PA 19312 TELEPHONE: 800.403.8784 FACSIMILE: 610.408.1908 mtgroup@smithbarney.com www.fa.smithbarney.com/mtgroup Morgan Stanley Smith Barney LLC and its affiliates do not provide tax or legal advice. To the extent that this material or any attachment concerns tax matters, it is not intended to be used and cannot be used by a taxpayer for the purpose of avoiding penalties that may be imposed by law. Any such taxpayer should seed advice based on the taxpayer s particular circumstances from an independent tax advisor. 2009 Morgan Stanley Smith Barney LLC. Member SIPC