The Hopps Group at Morgan Stanley. A Roadmap to Enduring Security

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1 The Hopps Group at Morgan Stanley A Roadmap to Enduring Security

2 300 Esplanade Drive 10th Floor, Oxnard, CA / MAIN / TOLL-FREE / FAX lydia.hopps@morganstanley.com

3 What Do You Want to Do? At the Hopps Group at Morgan Stanley, this question is at the heart of every client relationship. Maybe you want to retire when are you financially able to do so? Maybe you want to prepare for your financial security what steps do you need to take now? Maybe you want to provide for your loved ones or contribute in a meaningful way to a cherished cause or simply enjoy the life you ve worked hard to build how can you make sure you can accomplish these things? Our role is to help our clients create, and maintain, a roadmap that balances financial security, quality of life and overall well-being a roadmap to enduring security. We use advanced analytics, detailed financial planning and holistic wealth management to help our clients do what they want to do. THE HOPPS GROUP 3

4 Meet the Professionals Left to right: Donna Dobbin, Benjamin Hopps, Lydia Hopps 4 MORGAN STANLEY

5 Lydia Hopps Senior Vice President Investment Management Consultant Financial Advisor Benjamin Hopps, CFP Vice President Investment Management Consultant Financial Advisor Donna Dobbin Senior Client Service Associate As the senior partner of the Hopps Group, Lydia Hopps leads her team in creating roadmaps to enduring security for her clients, allowing them to take care of their loved ones, meet their personal goals and leave a lasting legacy. Lydia s background reflects her wealth management style; it includes a combination of educational training and professional experience. She has spent the last 18 years working with clients to help them find a balance between financial security, health and quality of life. Before that, she spent the first part of her career as a teacher. She began working in her family business in her early teens. Lydia earned a Bachelor of Science degree in Psychology from California State College at Long Beach, and later her lifetime teaching credential from the University of California at Santa Barbara. Lydia is president of the Community Memorial Healthcare Foundation and on the Board of Trustees of the Community Memorial Healthcare System. She is also an active supporter of Casa Pacifica, Women s Economic Ventures, The Ventura Music Festival, Ventura Botanical Gardens, and The Museum of Ventura County Collector s Council. She has been married to her college sweetheart, Tom, for 43 years and has two sons, Ben and Daniel, and two grandchildren, Phoebe and Jacob. Benjamin Hopps uses his analytical skills and financial training to help clients address their needs, particularly in the areas of capital preservation, liquidity, access to lending services, cash management and investments. Ben has spent the last 12 years working at Morgan Stanley. Prior to that, he worked as a mechanical engineer in the aerospace industry, helping plan and execute rocket launches, among other things. He earned a degree in Mechanical Engineering from California Polytechnic University San Luis Obispo, and later received his CERTIFIED FINANCIAL PLANNER TM from American College. Ben is passionately involved in his community. He is a board member on both the Starkey Hearing Foundation and the Topa Tower Club. He also is a supporter of Casa Pacifica. Ben and his wife Sandra attended Buena High School together and have been married for 14 years. They live in Ventura with their two young children, Phoebe and Jacob. Ben is an avid surfer, an accomplished sailor, and has recently taken up golf. benjamin.hopps@morganstanley.com Service with a smile embodies Donna Dobbin s commitment and dedication to clients as the Senior Client Service Associate with the Hopps Group. On a daily basis, she cheerfully greets our clients and with her 16 years of professional experience answers client questions, handles operational issues and retrieves client-requested data. She is great at listening to our clients and executing what they need done. Donna began her career at Morgan Stanley in July 1998 as a Client Service Associate. In May 2005, Donna was promoted to Branch Service Manager and also earned the title of Associate Vice President. In 2010, she then transitioned into the position of Branch Administrative Assistant. While her career track was rewarding, she found that she missed working directly with clients to service their individual needs. In order to get back to what she does best and loves the most, she joined the Hopps Group in 2012 as the Senior Client Service Associate. In her free time, Donna enjoys spending time with her family, plays golf and loves music. donna.dobbin@morganstanley.com lydia.hopps@morganstanley.com THE HOPPS GROUP 5

6 Why the Hopps Group? Reasons Clients Select Us There is no shortage of options when it comes to selecting a financial advisor. Ultimately, the right choice for any person or family comes down to values, commitment and personal style. Clients routinely tell us they enjoy working with the Hopps Group for these reasons: 1 We focus on an integrated view of our client s happiness Money is important, but to live the life you want, it s also crucial to consider your health, your quality of life and your overall security. We help clients take a broad look at all the decisions they make, by articulating and focusing on their short-, medium- and long-term goals. 2 Our team combines holistic wealth management with data-driven analysis When you integrate a comprehensive view of a client s goals with rigorous analytics and advanced technology, you get solutions both thoughtful and appropriate the Hopps Group s two partners bring varied backgrounds and approaches to the management of our client s wealth. 3 We bring knowledge of, and experience with, our local industries The more an advisor knows about you, your work, and your community, the easier it is to get up to speed quickly. Nearly all our clients are local, and most work in the industries that drive our region. In all likelihood, we already have at least a general understanding of your unique situation. 4 We use a disciplined, clearly defined service model Client relationships are important to us we care deeply about our clients and have structured our advisory to reflect their wishes. We have created a model of service that is intimate without being intrusive, detailed while also leaving you free to enjoy your life. We are proactive, available and invested in your success. 5 We are active, committed members of our community Our clients are our neighbors, and our friends. We have served this community for more than 30 years, and our clients enjoy working with a team they know they can trust. 6 MORGAN STANLEY

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9 Our Services Setting a Confident Course Balance sheet analysis Retirement planning Education planning Estate planning Multigenerational planning Managing the Rewards of Success Asset allocation Investment management Traditional investments Alternative investments* Structured investments* Separately managed accounts *Alternative and structured investments involve risk and are not suitable for all investors. Shaping Your Retirement IRAs Traditional IRAs Roth IRAs IRA rollovers Roth conversions Building a Unique Legacy Estate planning strategies Legacy planning Work with your accountant and attorney Educating New Generations Education planning 529 plans Custodial accounts Giving Back Through Philanthropy Charitable lead and remainder trusts Family foundations Donor advised funds Strengthening Your Business Access to banking and lending services Cash management services* Retirement plans Strategic consulting and transactions Succession planning Insurance *The term cash management services does not imply that investments are managed by your Financial Advisor. Protecting Your Wealth Long-term care, life and disability income insurance Lydia s CA Insurance License: 0B99519 Ben s CA Insurance License: 0E03214 Life insurance trusts Key-person insurance Meeting Current Liquidity and Banking Needs Home finance Access to lending services Debt restructuring Securities-based lending THE HOPPS GROUP 9

10 A Few Words About Morgan Stanley Morgan Stanley has earned a worldwide reputation for excellence in financial advice and market execution. With more than 1,300 offices in 43 countries, the people of Morgan Stanley are dedicated to providing our clients the finest thinking, products and services to help them achieve even their most challenging goals. 10 MORGAN STANLEY

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12 Alternative investments are speculative and include a high degree of risk and are suitable only for long-term investors willing to forego liquidity and put capital at risk for an indefinite period of time. Investors could lose all or a substantial amount of their investment. Structured Investments involves risks, which can include but are not limited to: fluctuations in the price, level or yield of underlying instruments, interest rates, currency values and credit quality; substantial loss of principal; limits on participation in appreciation of underlying instrument; limited liquidity; conflicts of interest; and Morgan Stanley Smith Barney credit risk for Morgan Stanley Smith Barney Structured Investments. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it. The strategies and/or investments discussed in this material may not be suitable for all investors. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments and strategies, and encourages investors to seek the advice of a Financial Advisor. The appropriateness of a particular investment or strategy will depend on an investor s individual circumstances and objectives. 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 visit us at or consult with your Financial Advisor to understand these differences. Asset Allocation does not assure a profit or protect against loss in declining financial markets. Morgan Stanley Smith Barney LLC is a registered broker-dealer, not a bank. Where appropriate, Morgan Stanley Smith Barney has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services. Banking and credit products and services are provided by Morgan Stanley Private Bank, National Association., Morgan Stanley Bank, N.A. or other affiliates. Investment services are offered through Morgan Stanley Smith Barney LLC, member SIPC. Unless specifically disclosed in writing, investments and services offered through Morgan Stanley Smith Barney are not insured by the FDIC, are not deposits or other obligations of, or guaranteed by, the Bank and involve investment risks, including possible loss of principal amount invested. 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 loss. Most importantly, you need to understand that: The loan can be called at any time and for any reason. Sufficient collateral must be maintained to support your loan(s) and to take future advances. You may have to deposit additional eligible securities or funds for investment on short notice. Some or all of your securities may be sold without prior notice in order to maintain account equity at required 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. Morgan Stanley Smith Barney or its affiliates (the Firm) reserves the right not to fund any advance request due to insufficient collateral or for any other reason. Your collateral maintenance requirements can be increased at any time without notice. Tax laws are complex and subject to change. 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 trusts, estate planning and other legal matters. Tax laws are complex and subject to change. Morgan Stanley Smith Barney LLC ( Morgan Stanley ), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice and are not fiduciaries (under 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. Individuals are encouraged to consult their tax and legal advisors regarding any potential tax and related consequences of any investments made under such account. Life insurance, disability income insurance and long-term care insurance are offered through Morgan Stanley Smith Barney LLC s licensed insurance agency affiliates. 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. Residential mortgage loans are offered by Morgan Stanley Private Bank, National Association, an affiliate of Morgan Stanley Smith Barney LLC. With the exception of the pledged-asset feature, an investment relationship with Morgan Stanley Smith Barney LLC does not have to be established or maintained to obtain the residential mortgage products offered by Morgan Stanley Private Bank, National Association. All residential mortgage loans are subject to the underwriting standards and independent approval of Morgan Stanley Private Bank, National Association. Rates, terms, and programs are subject to change without notice. Residential mortgage loans may not be available in all states; not available in Guam, Puerto Rico and the U.S. Virgin Islands. Other restrictions may apply. This document should not be construed as a commitment to lend. Morgan Stanley Private Bank, National Association is an Equal Housing Lender and member FDIC that is primarily regulated by the Office of the Comptroller of the Currency. Nationwide Mortgage Licensing System Unique Identifier # The proceeds from a residential mortgage loan (including draws and advances from a home equity line of credit) are not permitted to be used to purchase, trade or carry eligible margin stock; repay margin debt that was used to purchase, trade or carry margin stock; or to make payments on any amounts owed under the note, loan agreement, or loan security agreement; and cannot be deposited into a Morgan Stanley Smith Barney LLC or other brokerage account. Morgan Stanley Smith Barney LLC Westchester Avenue, Purchase, NY Tel: Nationwide Mortgage Licensing System Unique Identifier No Arizona Mortgage Broker License No California Department of Corporations Finance Lenders Law License No. 603H431. Georgia Residential Mortgage Licensee No Kansas Licensed Mortgage Company No. MC Massachusetts Mortgage Broker License No. MB5439. Montana Mortgage Broker License No Licensed by the New Hampshire Banking Department. Licensed by the New Jersey Department of Banking and Insurance. Registered Mortgage Broker NYS Banking Department. Mortgage brokers may not make loans. Ohio Mortgage Broker Act Certificate of Registration No. MB Rhode Island Licensed Loan Broker. 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 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 securities-based 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 securities-based loans 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. 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 Morgan Stanley Smith Barney LLC. Member SIPC. CRC CS /15