Bill Valenti Vice President Financial Advisor

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1 Bill Valenti Vice President Financial Advisor

2 7811 University Point Drive Fort Myers, FL / MAIN / TOLL-FREE / FAX bill.valenti@mssb.com

3 Bill Valenti Vice President Financial Advisor 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 a Financial Advisor, my role is to work with you to help you develop a plan that lays out a clear path to your goals a plan that I 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 I 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 I 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, I will revise your plan to reflect new aspirations and priorities, helping your plan keep pace as the markets change and your life unfolds. BILL VALENTI 3

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5 My Background Bill Valenti Vice President Financial Advisor Bill has been in the financial services industry for 15 years. He holds his FINRA Series 6, 7, 63, 66, 24, and 51 licenses. Bill obtained his Associates of Arts degree from Florida State University and his Bachelor of Arts in History from University of Central Florida. He is a client focused Financial Advisor, is passionate about his career and strives to deliver service beyond his client's expectations. Bill is originally from New York, but has resided in Florida since Along with his wife Julie, they have one daughter, Pippa. Bill enjoys training and competing in triathlon events, fishing, snowboarding, hiking and spending time outdoors. He is a proud resident of Lee County and enjoys volunteering and supporting several charitable organizations. BILL VALENTI 5

6 A Consultative Process Charting a prudent course to financial independence requires a well-conceived, personalized financial plan with defined, long-term goals. Our consultative wealth advisory process was developed to help generate that plan. Its key steps are designed to result in a broad, cohesive plan for the future. 1 We will begin by discussing what matters most to you and what you want to accomplish with your wealth. In addition to your finances and investments, we will talk about you, your values, lifestyle, your worries and what you are passionate about. 6 MORGAN STANLEY SMITH BARNEY

7 Discover Analyze 2 I will analyze your personal and financial information, assess risks, and identify potential threats to your financial health. Then I will present you with a comprehensive plan to address your income and cash flow needs, borrowing requirements, asset protection, retirement planning, wealth transfer and philanthropy goals. Review Implement 3 My objective approach to implementing your plan will pay special attention to how its various aspects can affect, enhance and integrate with each other. When appropriate, I will suggest seeking additional, in-depth advice on particularly complex planning, financial and family issues we have identified 4 We will review your portfolio together at your request. And when your circumstances change, I will work with you to revise your strategy and reposition your assets to reflect your new needs and goals.

8 I Work to Understand the Full Scope of Your Financial Picture It starts with listening. I ask questions regarding your needs and dreams, your tolerance for risk, your time horizon and then listen. It s an ongoing process through which I strive to know all I can about you, your family, your business (if applicable) and your short- and long-term goals. This period of discovery helps me make informed recommendations and design a flexible wealth management plan that is uniquely yours Discovery process Identify your goals, values, dreams, special concerns/challenges 2 Develop investment strategy Determine risk tolerance Analyze current investment portfolio Develop asset allocation strategy Portfolio construction 8 MORGAN STANLEY SMITH BARNEY

9 The Client Experience Investment strategy meeting In-person meeting to present recommended investment strategy 5 Follow-up meeting In-person meeting to discuss: First statements Organization of paperwork Set up online account access (and review online resources) Develop schedule for 7 Wealth management plan meeting In-person meeting to present comprehensive wealth management strategies 9 Ongoing monitoring of investment strategy and wealth management plan Develop schedule for review meetings future review meetings Schedule wealth management plan meeting 4 Execution of investment strategy Open new accounts Transfer existing assets Conduct trades to execute agreed-upon investment strategy 6 Develop comprehensive wealth management plan Financial planning Retirement planning Access to banking and lending services Education planning Business succession planning Charitable giving Family dynamics Estate planning management plan meeting 8 Execute wealth management plan Ongoing execution of wealth management strategies 10 Re-evaluate investment strategy based on changes to goals, objectives and/or expectations Adjust investment portfolio and/or wealth management plan in light of any changes CRC# /2012

10 Your Life and Your Legacy Whatever your goals income, borrowing, risk management, charitable giving, just to name a few designing a holistic wealth management plan is my top priority. Drawing on my own insight, as well as Morgan Stanley Smith Barney s global research and experienced financial specialists, I am able to make informed recommendations and propose a flexible plan that is uniquely yours. RETIREMENT PLANNING Lifestyle review Risk review Pension and/or social security benefits analysis Retirement account assessment Retirement income plan Beneficiary review Health care/medicare planning 10 MORGAN STANLEY SMITH BARNEY

11 Comprehensive Wealth Management Services INVESTMENT SERVICES AND PERSONAL INVESTING BUSINESS SUCCESSION PLANNING Asset allocation advice Investment advisory programs Capital markets services Traditional brokerage EXECUTIVE COMPENSATION MANAGEMENT Business needs review Cash management and capital needs assessment Business valuation Succession plan documents Succession plan funding ESTATE PLANNING FAMILY NEEDS PLANNING Financial planning Education planning Special needs child assessment and planning Planning for support of aging parents Concentrated stock services (monetizing, hedging) Rule 10b5-1 trading plans Stock option strategies Restricted securities (liquidation and risk management alternatives) Assist in estate and financial planning (particular to executive compensation management)* ACCESS TO BANKING AND LENDING SERVICES Review of wills, durable power of attorney (POA) for health care/poa living will and trusts Gifting Charitable giving Asset titling Estate tax funding Family dynamics/family meeting *Team will help assist with both in-house and outside advisors. CRC# /2012

12 Creating Your Plan To be truly effective, your plan must reflect the totality of your personal and financial life. My role is to help ensure that your investment objectives are consistent with pressing financial concerns and your long-term aspirations. Moreover, I 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. 12 MORGAN STANLEY SMITH BARNEY

13 Discover Analyze 2 I will propose a financial plan and asset allocation designed to help meet your goals. My advice may encompass issues such as retirement planning, business continuation, tax minimization and wealth transfer. Review Implement 3 I 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 I will closely monitor your portfolio. 4 We will review your portfolio together at your request. And when your circumstances change, I will work with you to revise your strategy and reposition your assets to reflect your new needs and goals.

14 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. 14 MORGAN STANLEY SMITH BARNEY

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16 Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Smith Barney 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 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. Morgan Stanley Smith Barney has entered into arrangements with banks and other third parties to assist in offering certain bankingrelated 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. 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 brokerdealer, not a bank. Where appropriate, 2012 Morgan Stanley Smith Barney LLC. Member SIPC /2012 CRC