The Calabretta Group at Morgan Stanley. passionately committed to managing your wealth

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1 The Calabretta Group at Morgan Stanley passionately committed to managing your wealth

2 204 North George St. Suite 300, York, PA / MAIN / TOLL-FREE / FAX TheCalabrettaGroup@morganstanley.com

3 The Calabretta Group at Morgan Stanley 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 CALABRETTA GROUP 3

4 Meet the Professionals Matthew A. Calabretta; Rebecca A. Gebhart 4 MORGAN STANLEY

5 Matthew A. Calabretta Senior Investment Management Consultant Senior Vice President Matt began his career with Morgan Stanley in 2000 upon completing his M.B.A. in Finance. Since joining the firm, Matt has earned certifications as a Senior Investment Management Specialist and Financial Planning Specialist. His broad financial background and strong commitment to client service has been invaluable to his clients, which include affluent individuals and families, corporate executives, and business owners. Matt focuses on a comprehensive wealth management process, which includes developing a financial plan customized to each client's goals, tailoring a prudent investment strategy, and continuing to review the plan and monitor the progress on an ongoing basis. In addition to the design and implementation of tailored investment strategies, Matt also specializes in retirement, education, and estate planning. Matt believes that managing wealth involves far more than managing an investment portfolio, but begins with 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 helping you invest your assets in a way that reflects the realities of your life and uniqueness of your long-term goals. As an alumnus of The Pennsylvania State University, with a Bachelor of Science degree in Science, as well as an NCAA Division I wrestler, Matt remains involved with The Penn State Alumni Association, The Penn State Wrestling Team, and is a board member on The Penn State York Advisory Board. Matt is a lifelong resident of York, along with his wife, Tonia and their daughter, Mya. Matt is actively involved in The Rotary Club of York and The Special Olympics of Pennsylvania. Matt enjoys traveling, golf, running, skiing, and spending time with his family. THE CALABRETTA GROUP 5

6 Rebecca A. Gebhart Senior Registered Client Service Associate Becky began working with The Calabretta Group when she joined Morgan Stanley in She is currently a Senior Registered Client Service Associate and has been with The Calabretta Group since its inception. In addition to being securities licensed, Becky is certified as a Financial Planning Associate. Becky has multifaceted duties, which comprise ensuring that client's issues and accounts are addressed with personal attention and care, coordinating The Calabretta Group's overall day-to-day operations, and implementing business management systems to increase client service quality. Her responsibilities include all client service and administrative issues and website and online application support. Becky began working in the Financial Services Industry upon graduating from York College of Pennsylvania in 1997 with a Bachelor's Degree in Business Administration. Becky lives in East Berlin with her husband, Derek and their son, Ryan. She enjoys volunteering at Ryan's school and participating in his extracurricular activities. Becky is a team member and active fundraiser for The American Cancer Society's Relay For Life.

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8 Creating Your Plan To be truly effective, your plan must reflect the totality of your personal and financial life. Our role is to help ensure that your investment objectives are consistent with pressing financial concerns and your long-term aspirations. Moreover, we will support you and your strategy with the resources and perspective of one of the world s largest financial firms. 1 We will work to articulate your aims for your wealth, examining your current and future income sources and cash flow needs, and then consider factors like tolerance for risk, tax concerns, liquidity needs and time horizon. 8 MORGAN STANLEY

9 Discover Analyze 2 We will propose a financial plan and asset allocation designed to help meet your goals. Our advice may encompass issues such as retirement planning, business continuation, tax minimization and wealth transfer Review Implement 3 We will work closely with you to bring the elements of your plan to life, helping you to select from the hundreds of investment management firms available to you, and identify specific stocks, bonds and other securities that may be suitable for your portfolio. Then we will closely monitor your portfolio. 4 We will review your portfolio together at your request. And when your circumstances change, we will work with you to revise your strategy and reposition your assets to reflect your new needs and goals.

10 Our Consultative Process Charting a prudent course to financial independence requires a wellconceived, personalized plan with defined long-term goals. Our wealth advisory consultative process can help you design a cohesive plan for the future that includes: 1 Discovery Before our first meeting, we suggest that you take a fresh inventory of your wealth, including where each asset is located and what it is worth. At that meeting, we will begin by exploring many questions to try to capture what matters most to you and fully understand what you want to accomplish with your wealth. We will talk about you, the kind of lifestyle you enjoy, what worries you and what you are passionate about. Our conversation will also explore your values, key relationships, total assets, preferred manner of communication, as well as identify the other professional advisors with whom you work. That way, our team can help you determine how all the facets of your financial situation could dovetail effectively. 2 Analysis and recommendation Based on our discussion, the team will analyze your personal and financial information, including liabilities, and assess risks and identify potential threats to your financial health. We will present you with a personalized plan that can help address your income and cash flow needs, borrowing requirements, asset protection, retirement planning, wealth transfer, philanthropy and other areas beyond investment management. By taking the additional time to carefully review these topics, we hope to make you comfortable with proposed investment strategies and service providers before implementing your wealth plan. 3 Implementation After you have approved your wealth plan, we will work closely with you to implement it, bringing an objective approach, and paying special attention to how the various parts of your plan can affect, enhance and integrate with each other. Wherever appropriate, we will suggest seeking additional, in-depth advice on particularly complex issues we have identified, including family dynamics, estate planning, lending, tax planning strategies and more. Whatever approach we decide on, the team will help you keep your investments on track. 4 Reviewing objectives We believe that ongoing communication is a vital component of our ongoing relationship, and we are committed to keeping abreast of your changing financial needs. Your financial documents provide the foundation for regular meetings, and the team will review your portfolio at your request and whenever you feel that your circumstances have changed. We will then seek to make certain that your assets are positioned according to your evolving needs. If necessary, we will suggest adjustments to your strategy to address changes in your circumstances or your objectives. 10 MORGAN STANLEY

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12 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 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

13 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 long-term costs THE CALABRETTA GROUP 13

14 Morgan Stanley 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 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. 14 MORGAN STANLEY

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16 Morgan Stanley 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 LLC 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. 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 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 is a registered brokerdealer, not a bank. Where appropriate, Morgan Stanley Smith Barney LLC 2012 Morgan Stanley Smith Barney LLC. Member SIPC /2012 CRC