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1 The Brightwater Wealth Management Group at Morgan Stanley Target Based Comprehensive Wealth Management 4114 Woodlands Parkway Suite 200 Palm Harbor, FL (727) FPO Image to come North Tampa Street Suite 3000 Tampa, FL (813)

2 Family Wealth Management Our Team J. Erick Swinson Financial Planning Specialist Michael J. Scott Business Development Associate Linda Goodson, CFP Ted H. Pohl, CIMA, CFP Family Wealth Director Daniel C. Richardson, CFP Family Wealth Director Patricia R. Guillereault Senior Registered Associate Jonathan D. Cooney Asst. Vice President Consulting Group Analyst

3 Team Biographies Ted H. Pohl, CIMA, CFP Family Wealth Director Senior Portfolio Manager Daniel C. Richardson, CFP Family Wealth Director Credentialed: Family Wealth Director (earned by fewer than 2% of Morgan Stanley Advisors) CERTIFIED FINANCIAL PLANNER (CFP ) since 1996, Certified Investment Management Analyst since More than 21 years of wealth management experience concentrating on financial planning, investment management, asset allocation and risk reduction strategies. Focuses on simplifying the complexity of managing wealth, including lifestyle, philanthropic and legacy planning. Master s degrees in Financial Services and Management from the American College. Business/Finance degree from the University of Florida. IMCA Investment Strategist Certificate through The Warton School, IMCA Applied Behavioral Finance Certification Program. Past adjunct faculty - CFP certificate program at Nova Southeastern University. Family Wealth Director designation (earned by fewer than 2% of all Morgan Stanley Advisors) and CERTIFIED FINANCIAL PLANNER (CFP ) More than 30 years of experience in Wealth Management, advising clients on Investments, financial and estate planning, insurance and providing access to banking services. Skilled in Trust planning, tax planning, retirement planning Bachelor s degree, with distinction, in Business Management, from Eckerd College. Past adjunct faculty at St. Pete s College and Nova Southeastern University. Past President of the West Central Council of the Boy Scouts of America. Past President and Chairman of Florida Hospital North Pinellas Foundation Board. Past President of the Rotary Club of Palm Harbor. Member of the planning counsel for St. Ignatius Catholic Church.

4 Team Biographies Michael J. Scott Business Development Associate Linda Goodson, CFP More than 25 years of experience in investment management, asset allocation and fixed income securities. Brings a fixed-income approach to equity investing Extensive experience in fixed-income, conservative investing and income strategies. Bachelor of Science in Finance from Florida State University. Tampa native who enjoys fishing, boating and golfing. CERTIFIED FINANCIAL PLANNER (CFP ) practitioner designation from the College for Financial Planning. A seasoned professional with more than 28 years in the financial industry. Offering personalized guidance around life s ever changing financial decisions. Bachelor s degree in Business Management from Eckerd College. Morgan Stanley Portfolio Management Certification Level II. A part of the Palm Harbor community for over 22 years. I enjoy traveling with my husband of 34 years.

5 Team Biographies J Erick Swinson Financial Planning Specialist 16 Years of Experience in the Financial Services Industry including Banking, Trust and Investment Management. Extensive Background with Fixed Income Research and Trading, Portfolio Construction and Economic Analysis. Bachelor s Degree in Economics From The University of Tennessee. Financial Planning Specialist Designation. Morgan Stanley Level 1 Portfolio Manager. Jon Cooney Asst. Vice President Consulting Group Analyst Reviews and analyzes a variety of investment choices for our group. Completed Investment Management Consultant Association training program in Investment Analysis. Tampa native who is a avid sports fisherman. Patricia R. Guillereault Senior Registered Associate Primary contact for administrative requests: trades, assistance with computer access, complex paperwork, etc. More than 30 years of experience in financial services, 18 with Morgan Stanley. Focuses on making wealth management as userfriendly as possible. Bachelor of Arts from University of Southern Maine Past winner of Woman of the Year from American Business Women s Association

6 Our Mission Simplify and implement the goals for you and your family Navigate the complexities of managing your wealth by thoroughly understanding the associated risks and providing guidance along the way. Deliver integrated wealth management strategies and coordinating with your existing accountant, attorney and other advisors Provide legacy planning for your future generations

7 Why clients choose the Brightwater Wealth Management Group Client Focused. Our personal commitment to exceptional client service Credentialed investment team Uniquely qualified in delivering comprehensive wealth management solutions Target-based investing process Financial quarterbacking and tactical recommendations that are integrated with your accountants, attorneys and with other advisors Leverage global resources of Morgan Stanley Access to world class investment managers and strategies

8 A few words about target-based investing Determine a target return based on goals and objectives Invest for that target return Don t chase returns Don t take unnecessary risks Make changes as goals, objectives and markets change

9 Our Wealth Management Process You Are Our Focus We work closely with you to understand your needs while maintaining the focus and discipline to help guide your portfolio through the most challenging market cycles. Introduction & Discovery Comprehensive discussion of your values, goals and objectives and priorities Understand family dynamics and legacy planning needs Business overview and outside interests Team overview and wealth management process, including how we add value Compiling your statements, tax returns, estate plan documents, etc., for review Opening dialogues with your accountant and attorney if required Follow-Up Recommendations Present your current financial snapshot, based on your input and prioritization of your goals Deliver our initial thoughts on your current situation Recommend direction for investment plan and risk management strategies Discuss business, retirement and estate planning needs Confirm commitment for a long term relationship and execute new account documents Establish desired service schedule and preferred method of communication Ongoing Process Communicate progress on account transfers Review first statement, set up online access and organize paperwork Set schedule for investment reviews Monitor progress and recommend investment and tactical allocation changes as needed Adapt strategy for any changes of your Life Plan in your personal and/or professional life Keep you, your accountant and attorney aware of any informed and help you navigate options of complex wealth

10 Family Wealth Management Estate Planning Strategies Life Plan Life Plan Risk Management Lifestyle Planning Family Planning Retirement Planning Liability Issues Estate Planning Estate Planning Strategies Risk Management Strategies Financial Goals Liquidity Needs Vacation Major Purchases College Planning Children Grandchildren 529 Plans Retirement Plans Pension 401(k) IRA s Lending Services Personal Business Wills Health Care POA Living Will Durable POA Insurance Hedging Monetization Special Equities Custodial Accounts Beneficiary Audit Asset Allocation Children Healthcare Lending Solutions Trusts Stocks / Bonds Cash Risk Tolerance Living Expenses Special Needs UGMA / UTMA Medicare Private Insurance Long-Term Care Restricted Stock Security Based Lending Living Trusts Credit Shelter Special Needs Generation Skipping Residence Trust Executive Services Rule 10b5-1 Control & Restricted Stock Sale Approval Investments Parents Heirs Capital Strategies Investment Planning Manager Selection Monitoring Management Healthcare Living Expenses Housing Beneficiary Planning Annual Gifting Estate Transfer Asset Titling M&A for Private/ Closely Held Businesses Tax Planning Charitable Giving Wealth Advisory Taxable vs.tax-free Tax Reduction Plan Charitable Trusts Bequests Donor Advised Family Office Trust Family Wealth Funds Report

11 Morgan Stanley is #1 among all firms in investment advisory assets under management1. Our clients can benefit from the scope and scale of resources in evaluating and selecting investments that only an industry leader can provide. Leveraging resources from across the firm, we have access to advice and investment manager analysis while bringing our clients a personalized local perspective. #1 Managed Accounts Program by Assets $2 Tn In total client assets (MS) 1. Cerulli Associates. 1Q2016 Summary, Managed Account Research Assets Under Management $798 Billion 1,300+ Actively Analyzed Investment Products 45+ Analysts Focusing Solely on Investment Management Selection 450+ Onsite Manager Visits/Year

12 Tax laws are complex and subject to change. Morgan Stanley Smith Barney LLC ( Morgan Stanley ), its affiliates and Morgan Stanley s and Private Wealth Advisors do not provide tax or legal advice and are not fiduciaries (under ERISA, the Internal Revenue Code or otherwise) with respect to the services or activities described herein except as otherwise agreed to in writing by Morgan Stanley. This material was not intended or written to be used for the purpose of avoiding tax penalties that may be imposed on the taxpayer. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a retirement plan or account, and (b) regarding any potential tax, ERISA and related consequences of any investments made under such plan or account. 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. Life insurance, disability income insurance, and long-term care insurance are offered through Morgan Stanley Smith Barney LLC's licensed insurance agency affiliates. Trust and other fiduciary services are provided by third parties, including Morgan Stanley Private Bank National Association, a wholly-owned subsidiary of Morgan Stanley. Securities-based Lending Risks: 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 for loss. Most importantly, you need to understand that: (1) Sufficient collateral must be maintained to support your loan(s) and to take future advances; (2) You may have to deposit additional cash or eligible securities on short notice; (3) Some or all of your securities may be sold without prior notice in order to maintain account equity at required collateral 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; (4) Morgan Stanley Bank, N.A., Morgan Stanley Private Bank, National Association, or Morgan Stanley Smith Barney LLC (collectively referred to as "Morgan Stanley") reserves the right not to fund any advance request due to insufficient collateral or for any other reason except for any portion of a securitiesbased loan that is identified as a committed facility; (5) Morgan Stanley reserves the right to increase your collateral maintenance requirements at any time without notice; and (6) Morgan Stanley reserves the right to call your securities-based loan at any time and for any reason. 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. Cerulli Associates, 1Q2016 Summary Report. Cerulli Associates data are based on data submitted by firms participating in Cerulli s survey. Morgan Stanley Wealth Management was ranked No. 1 in terms of assets under management out of the firms listed in the industry for the quarter with respect to Top Managed Account Program Sponsors Across All Industry Segments. This category includes separate account consultant programs, mutual fund advisory programs, ETF advisory programs, rep as portfolio manager programs, rep as advisor programs and unified managed account programs. Separate account consultant programs are programs in which asset managers manage investors assets in discretionary separate accounts. Mutual fund advisory programs and ETF advisory programs are discretionary and nondiscretionary programs designed to systematically allocate investors assets across a wide range of mutual funds or ETFs. Rep as portfolio manager programs are discretionary programs in which advice is an essential element; planning is undertaken or advice is treated as a separate service from brokerage. Rep as advisor programs are nondiscretionary programs where the advisor has not been given discretion by the client and must obtain approval each time a change is made to the account or its investments. Unified managed accounts are vehicleneutral platforms that simplify the delivery of multiple investment vehicles, such as separate accounts, mutual funds, exchange-traded funds and individual securities through their integration within a single environment. Rankings are subject to change. Morgan Stanley Smith Barney LLC. Member SIPC Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third party corporate trustee CRC 07/07/2016