The Morgan Allis Rosel Group at Morgan Stanley Smith Barney. Managing your wealth, growing our relationship

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1 The Morgan Allis Rosel Group at Morgan Stanley Smith Barney Managing your wealth, growing our relationship

2 We believe that you deserve financial advisors who share your vision, earn your trust and work diligently to help you attain the life you desire for you and your family.

3 Our Commitment We are committed to helping our clients through the three stages of wealth: growing, preserving and transferring. To help them accomplish that goal, we work continuously to determine what s really important to them, and then develop the actionable strategies to help them realize their desired goals. As their Financial Advisors, we provide advice, tailor services and remain focused on their long-term financial vision. This is an ongoing process that helps us to meet, and even anticipate, their wealth management needs with flexibility and preparedness. Our clients deserve financial advisors who earn their trust. Our Mission As Financial Advisors focusing on financial planning, we go far beyond providing investment advice. The right investments matter, yes. But a great investment program does not come solely from knowing investments; it comes from knowing you. So we will have conversations you might not expect from Financial Advisors, having less to do with the arcane details of asset allocation strategy, and more to do with the details of your life. Only then can we help develop the wealth management strategies aimed at helping you grow and preserve your wealth. MORGAN STANLEY SMITH BARNEY/3

4 Meet the Professionals DAVID MORGAN, CFP Senior Vice President-Wealth Management Portfolio Manager PETER ALLIS Vice President-Wealth Management Financial Advisor As a fully licensed investment professional for more than 12 years, David leads a team that implements wealth management strategies for clients. David is firmly committed to long-term relationships and strives to deliver exceptional client service. He listens carefully to their goals, values, aspirations and concerns; based on this input, David then works attentively to help them in achieving their financial objectives. As an alumnus of Taylor University in Upland, IN where he earned a BA in Communications and the College of Financial Planning Board of Standards, CFP program, David continues to expand his learning. He was nominated by the Denver Business Journal as Top 40 under 40 and as a Five Star Wealth Manager, Best in Client Satisfaction. David and his wife Tricia have been married 12 years and live in Highlands Ranch, CO with their three children, Benjamin, Carter, and Skyla. They are actively involved in their church and he enjoys playing golf and coaching his kid s sports teams. With over 27 years experience in the investment world, Peter has focused his talents on serving the investment needs of high-net-worth clients, as well as corporations. He is responsible for designing and implementing retirement plans that help our clients to attain the retirement lifestyle they aspire to and guiding corporations and their employees in choosing the most suitable retirement investments. Peter is a Colorado native and graduated from the University of Colorado and continues to be an avid fan of both the Colorado Buffaloes and Denver Broncos. His outside interests include golf, fly fishing, and ballroom dancing. He currently attends Jubilee Fellowship Church in Highlands Ranch, CO. Peter and his wife, Linda, married for 28 years have two children and one grandchild. 4/MORGAN STANLEY SMITH BARNEY

5 ERIC ROSEL Financial Advisor Eric has an intriguing combination of business and financial service experience. He began his career out of college by joining a three generation, family run, oilfield service business, The Rosel Company. While at The Rosel Company, he ran business development and operations for the regional service firm and was instrumental in negotiating and ultimately selling the business in 2006 to Complete Production Services. This distinctive background and experience enables Eric to develop customized investment strategies and advise high-net worth clients with an invaluable perspective in wealth management. Eric was recently named as a Five Star Wealth Manager, Best in Client Satisfaction. Eric graduated from the University of Michigan and was a four year letterman on the University of Michigan Football Team. He is an aviation enthusiast, a Cessna 210 owner, and a struggling golfer. He is married with 3 children and resides in Littleton, CO. MORGAN STANLEY SMITH BARNEY/5

6 The Way We Do Business A successful business is a life s work. Which is why managing your business finances can t be separated from managing 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 you to meet your personal goals. 6/MORGAN STANLEY SMITH BARNEY

7 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 Smith Barney s considerable resources to review the hundreds of investment-management 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 identify 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. MORGAN STANLEY SMITH BARNEY/7

8 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 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 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. 8/MORGAN STANLEY SMITH BARNEY

9 Wealth Management Is Not Just About Finances We all have two futures the one that just happens, and the one we actively shape. The difference is wealth management. It s important to us to manage our clients wealth, not merely their investments. There s a big difference. By taking a wealth management approach, we can help you determine what s really important to you, then develop strategies to help you realize your most cherished hopes. We ll go beyond investment management to look at not just your assets but your liabilities too; not just your account statements but your will and estate plan; and not just the cost of your lifestyle but the risks to it as well. Your comprehensive wealth management plan can address: Income and cash flow: Knowing what you want your money to help you do, and with a similarly thorough understanding of your assets and liabilities, we will map out a course to help you achieve the income you ll need, when you need it. Borrowing: We believe that how you invest and how you borrow are inextricably linked both sides of one balance sheet, one plan. Borrowing strategically, for example, can help fund a large expense, or give you a safety net if you re faced with a surprise layoff or tax bill, so you can spend what you need to spend instead of spending what you need to invest. Asset protection: By understanding the lifestyle you enjoy, and the one you re building toward, we can see the threats against it taxes, inflation, volatility, creditors, lawsuits, identify theft, tragedy and help you deal with them using trusts, insurance, portfolio diversification and other strategies from the arsenal of the world s largest financial services firm. Wealth transfer: We work with you, as well as with your tax and legal experts, to determine how you live, what your lifestyle will require in cash flow, what you want to pass to the next generation and the causes you care about. The result is a comprehensive plan that includes recommendations on trusts and estate planning, charitable giving, business succession and funding for estate taxes. Investment management: We believe that your plan for your life is the most important part of investing. Based on your financial status today, we will calculate the returns necessary to achieve your target and craft an investment program designed to help you reach it. And we ll implement the plan using one of the most powerful and intelligent investment platforms in the world, one that includes extensive research on investments and managers, asset allocation advice, ongoing monitoring and performance reporting. Business strategies: If you own a business, we can offer you a range of financing options and capital structures to support the growth of your business, advise you on your current debt structures and cash management, and help you establish a retirement plan for yourself and employees. When that retirement comes, we ll work with investment experts to help you create an exit plan. We understand that wealth management is not just about resources and capability. It s about how we use those resources with creativity, innovation, and flexibility. The simple truth is you have a lot more to manage than just your wealth. MORGAN STANLEY SMITH BARNEY/9

10 Wealth Management Resources Income and cash-flow planning, strategic borrowing, asset protection, wealth transfer, investment analytics Retirement Planning Education Planning Trust Services Business-Succession Planning Restructure debt, improve cash flow, facilitate estate planning, pledge collateral to help family members, access capital to operate and expand a business, finance a home Home Finance Securities Backed Loans Commercial Banking Can help protect wealth from creditors and taxes; transfer assets, business holdings and values to future generations Investment Advice Trust Services Philanthropic Services Business banking and insurance services, working and growth capital, diversification of personal wealth, capitalstructure and exit strategies Borrowing Cash Management Retirement Plans 10/MORGAN STANLEY SMITH BARNEY

11 You are distinctly different from the next investor. Our relationship will be a life-planning collaboration, one that responds, and changes as the events in your life change.

12 The Morgan Allis Rosel Group at Morgan Stanley Smith Barney E Dry Creek Rd Suite 400 Englewood, CO TELEPHONE: TOLL-FREE: FACSIMILE: Under the Crescendo Business Services FIVE STAR: Best in Client Satisfaction Wealth Managers, 30,000 to 80,000 consumers most likely to use the services of a financial services representative (identified by Cresendo) and 4,000 to 8,000 financial service professionals (identified by Crescendo) are asked to name and evaluate up to three financial advisors. The number of individuals in the sample varies based on the size of the local market. In addition to the survey results, other evaluation criteria, such as a minimum of five years financial services experience, acceptable compliance records, and evaluation results by a panel of local industry experts are incorporated into the overall evaluation process. The final list identifies the wealth managers, of those evaluated, in the local market that score highest in client satisfaction. For more information on the rating methodology, go to * The FIVE STAR Wealth Managers do not pay a fee to be included in the research or the final list of FIVE STAR Best in Client Satisfaction Wealth Managers. * The overall evaluation score of a wealth manager reflects an average of all respondents and may not be representative of any one client s evaluation * The inclusion of a wealth manager on the list should not be construed as an endorsement of the wealth manager by Crescendo or 5280 Magazine. * The rating is not indicative of the advisor s future performance. 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 seek advice based on the taxpayer's particular circumstances from an independent tax advisor Morgan Stanley Smith Barney LLC. Member SIPC.