The Champion Group at Morgan Stanley. Success on Your Terms

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1 The Champion Group at Morgan Stanley Success on Your Terms

2 th Ave NE, Suite 800 Bellevue, WA / MAIN / TOLL-FREE / FAX

3 The Champion Group at Morgan Stanley As Financial Advisors, our role is to help you use your wealth to achieve what is most important to you. That may mean providing an education to children and grandchildren, buying a vacation home, meeting the special needs of a family member, retiring ten years early the list is endless, and the decision is uniquely your own. Together, we will explore your aspirations and the life you envision. We will work with you to translate your goals into a specific investment objective and personalized investment strategy. And then, drawing on the team s experience and perspective informed by the insight and resources of one of the world s largest financial firms we will structure a portfolio for you, executing and refining that strategy to help bring you closer to your definition of investment success. In short, your goals become our focus, and achieving them becomes a commitment that we share. THE CHAMPION GROUP 3

4 Meet the Professionals Matt Tabler, J.B. Champion, Lori Elrod, Kelly Gunnell, John Champion 4 MORGAN STANLEY

5 John Champion Investment Management Consultant Senior Vice President Wealth Advisor As an investment professional for more than 30 years, John implements wealth management strategies for clients by concentrating on portfolio management. He focuses on equity research, portfolio diversification strategies and new business-planning development. John is firmly committed to longterm relationships and strives to deliver exceptional client service. He listens carefully to clients goals, values aspirations and concerns and works to help them in achieving their financial objectives. In 2007, the Puget Sound Business Journal awarded John as one of the Top 30 Wealth Managers* in the Puget Sound area. He has also been annually recognized by Seattle Magazine as FIVE STAR: Best in Client Satisfaction Wealth Managers. ** J.B. Champion Portfolio Manager Vice President Financial Advisor J.B. s knowledge in wealth planning retirement, estate, education and asset allocation complements John s experience and allows our group to provide wealth planning to our clients. He has focused his talents on servicing the investments needs of highnet-worth clients, as well as small businesses. J.B. is responsible for designing and implementing retirement plans that help our clients to attain the retirement lifestyle they aspire to and guiding businesses and their employees in choosing the most suitable retirement investments. J.B. attended Gonzaga University and earned a Bachelor of Business Administration with concentrations in Finance, International Business and Human Resources. Matthew Tabler Portfolio Management Associate Financial Advisor Matt has an unusual combination of professional experience in patent law and training as an electrical engineer. His talents for analytics and problem-solving led him to a 5 year career at the U.S. Patent & Trademark Office in Washington D.C. After discovering a passion for finance and investing in the stock markets, he earned an M.B.A. at Duke University s Fuqua School of Business in His program focused on stock market investments, portfolio management, international economics and emerging markets. Since joining Morgan Stanley in 2011, Matt has become a licensed financial advisor and assists with portfolio management decision making. Previously, Matt attended the University of Washington where he studied electrical engineering and political science. THE CHAMPION GROUP 5

6 Lori Elrod, CFP Portfolio Associate Lori began her career at Morgan Stanley in 1990 and quickly became an indispensible resource at the firm. She has developed an in-depth knowledge of financial planning and creates an exceptional customer service experience for our clients by leveraging the full extent of the firm s resources on their behalf. Like John, Lori takes pride in developing close relationships with each client so she can address their greatest concerns and share in their successes. She became a licensed financial advisor in 1992 and completed a CER- TIFIED FINANCIAL PLANNING SM CFP designation in 2003 to advance her understanding of wealth management. Lori also earned a Masters Degree in International Business at Seattle University and a Bachelors of Arts Degree in International Economics from the University of Washington. Kelly Gunnell Senior Registered Client Service Associate Kelly has focused her energy on understanding branch and firm-wide operations at Morgan Stanley since She has been an outstanding resource to The Group and excels at fulfilling our clients needs by providing exceptional customer service, completing administrative tasks and managing our team s operations within the branch. She became a registered representative of the Financial Industry Regulatory Authority (FINRA) in 2005 to expand her understanding of financial planning and wealth management. Previously, Kelly attended Western Washington University in Bellingham, WA and earned a Bachelors of Arts. Kelly is married to her husband, Denis, and they enjoy participating in marathons, playing on the same soccer team and spending time with their children and friends.

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8 A Consultative Process Charting a prudent course to financial independence requires a well-conceived, personalized financial plan with defined, longterm 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 your financial 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. 8 MORGAN STANLEY

9 Discover Analyze 2 We will analyze your personal and financial information, assess risks, and identify potential threats to your financial health. Then we 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 Our 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, we 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, we will work with you to revise your strategy and reposition your assets to reflect your new needs and goals.

10 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. These four steps were developed to achieve that goal: 1 Setting your financial objectives Through a process of discovery and discussion, we will work with you to articulate your aims for your wealth. Together, we will examine your current and future liabilities, income sources and cash flow needs, and then consider factors that might influence your overall strategy, including tolerance for risk, tax concerns, liquidity needs and time horizon. Through careful analysis, the team will look for potential gaps that may exist between you and your goals, and develop sound strategies to help smooth the path. 2 Creating your strategy Working from our understanding of you and your objectives, we will propose a financial plan that contains specific strategies designed to help meet those goals. Our advice may encompass issues such as retirement planning, business continuation, tax minimization potential and wealth transfer. You will also receive an asset allocation strategy designed to provide diversification for your portfolio. 3 Implementing your strategy After discussing and refining your strategy, we will work closely with you to bring the elements to life. Should we decide together that outside money managers are appropriate for you, the team will draw on indepth research and analysis to help you select from the hundreds of investment management firms available to you. If you prefer to invest in individual securities, we can help identify specific stocks, bonds and other securities that may be suitable for your portfolio. Whatever approach we decide on, we will help you keep your strategy on track. 4 Reviewing objectives and performance We view ongoing communication as the foundation of our successful collaboration with you. We will make every effort to keep abreast of your changing financial needs and provide viable strategies to help you meet them. This means reviewing your portfolio together at your request. 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 MORGAN STANLEY

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12 Wisdom That Is Anything but Conventional The financial markets are dynamic and unpredictable. We work to counter that inherent uncertainty by taking a proactive, consultative approach rooted in a deep knowledge of your needs and dreams, risk tolerance and your time horizon. Drawing on our own insight, as well as Morgan Stanley s global research, we are able to make informed recommendations and design a flexible investment management plan that is uniquely yours. Investment Management Process 12 MORGAN STANLEY

13 1 Establish goals, objectives and risk tolerance 4 Monitor progress and make necessary adjustments 2 Develop asset allocation strategy and investment strategy documents 3 Construct portfolio and execute investment strategy CRC# /2013

14 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 our top priority. Drawing on our own insight, as well as Morgan Stanley s global research and experienced financial specialists, we are 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 14 MORGAN STANLEY

15 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# /2013

16 The ups and downs of the markets is just one kind of risk but so is not protecting my assets and my family. How do I protect what I care about most? When I retire, it will affect just about everything that matters: my lifestyle, my company, my family. Is there a way to plan for retirement that takes it all into account? Decisions about both assets and liabilities need to be made in the framework of important life goals. What steps are also the most tax efficient? How can a strategic approach to banking and lending simplify my financial life and maximize the value of what I own? Will I be able to pay for a good education for my children and my grandchildren? How do I manage my personal wealth with so much tied up in my company? I have so many goals and priorities. How can one investment strategy balance them all? I can predict some expenses, but others I know I can t. How can I plan to have the cash I need? Making sure my estate goes to the people and organizations I care about is a priority. How do I transform my assets into a legacy? The charities I support are like extended family. How do I maximize the good I can accomplish?

17 A COMMITMENT to OVER THE YEARS, YOU HAVE MADE MANY FINANCIAL DECISIONS. ONE IN PARTICULAR IS LIKELY TO HAVE A LASTING IMPACT ON YOUR WELL BEING AND THAT OF YOUR FAMILY: THE CHOICE OF A FINANCIAL ADVISOR. Investors who choose Morgan Stanley often tell us that their reasoning is simple. They choose a Financial Advisor and a firm that mirrors the values propelling their own success: a commitment to perform at the highest level for their clients, with no shortcuts, compromises or excuses. A STRONG, STEADY FORCE IN A CHANGING INDUSTRY deep wealth management experience experience VAST EXPERIENCE. Drawing on many years of experience, Morgan Stanley understands the importance of shaping relationships that reflect client needs, preferences and aspirations. Our firm and Financial Advisors have an in-depth understanding of virtually all the challenges, goals, preferences, styles and strategies that distinguish wealthy investors. Additionally, as a truly global financial institution, we have an equally acute knowledge of financial opportunities and the potential risks. This combination positions us to help develop, structure and execute strategies for your most important financial needs, from accumulating wealth to investing for income, from creating retirement reserves to devising a distribution approach that meets your lifestyle and legacy goals. I N V E S T M E N T I N S I G H T W I T H O U T LIMITS. As a client, you have access to the strategic and tactical views of some of the world s most seasoned and respected investment professionals. The members of our Global Investment Committee develop strategies that guide the management of advisory accounts and help to inform the decisions of clients across Morgan Stanley. The team is currently supported by the work of research analysts at two of the world s largest investment banks, Morgan Stanley and Citi, who cover key geographic and economic sectors, as well as 4,100 companies. You also benefit from a premier trading and execution platform. Think of our 210 capital markets professionals as experienced, highly responsive and knowledgeable partners. PERFORMANCE THAT SEEKS TO MEET YOUR MEASURE. Among the most important skills of our Financial Advisors is the ability to listen: to understand your financial needs and then align the resources to help meet them. Your Financial Advisor can help you evaluate immediate concerns and plan for long-term goals, be a sounding board for your investment ideas, and assist you in developing and executing a strategy that is precisely your own and help deliver results that meet your needs. Your Financial Advisor is your advocate within our firm, an intelligent editor who selects and aligns the many capabilities of Morgan Stanley for you, delivering the right resources to you in the way that is most appropriate for how you invest and what you want to achieve. ONE OF THE WORLD S STRONGEST INVEST- MENT ORGANIZATIONS STANDS BEHIND YOUR FINANCIAL ADVISOR Financial Advisors have and Citi. Combined, they analyze and track the progress of more than 4,100 companies all over Please read important disclosures on the back cover of this brochure 10/2012 CRC561482

18 The investments listed may not be suitable for all investors. Morgan Stanley 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. * Source: Puget Sound Business Journal, October, 2007, Top 30 Wealth Managers in Puget Sound Area," as identified in conjunction with The Winners Circle LLC, an independent research firm. Since the FAs in The Winner's Circle represent each firm's "cream of the crop," and may represent their respective firm accordingly in the press and otherwise, each firm participates in the selection of their FAs according to The Winner's Circle criteria. In the interests of promoting best practices within the industry and serving the investing public, Firms are encouraged to nominate Financial Advisors that have proven to best serve their clients' needs with the highest levels of integrity and client focus. Services may include; effecting disciplined asset allocation models and providing services that cater toward individuals' broad financial planning needs. Beyond each Firm's selection based on client focus, measurable assessments include the following criteria: Qualitative Criteria: ~ Acceptable compliance and legal records. Only FAs with the highest ethical standards and integrity are considered. Leeway for pending actions or minor disputes is given by the FA's firm. (Weighting: affirmative or denial) ~ Client Satisfaction. As determined by the FA's firm (with input from Management and Client-Satisfaction reports) and random client interviews. ~ Community involvement. Based on previous Winner's Circle evaluations, it is almost a given that these top achievers are involved in their communities and the industry, most of them active role models. FAs are assigned a rating of 1-10 for community involvement. ~ Other: Professional designations, team, platform, etc. Quantitative Criteria: ~ Consistently high revenue numbers. Gross commission levels for non-institutional accounts over the past three years are considered, with a heavier weighting for revenue in most current calendar year. For partnerships, FAs will be considered on their percent ownership of revenue. ~ Assets under management. Assets that the FA has under management at his or her firm will be considered. ~ Outside Assets under management. Assets that the FA has under management but not custodied at his or her firm will be considered. (Mathematically, each FA is indexed against the FA with the highest production and the FA with the highest asset levels; weightings are then assigned. The weighted scores for community involvement is added. These scores are then tallied for each FA, ranking him or her against his/her peers.) This latest approach, with a more scientific process and further involvement from my panel of advisors, will help to safeguard against unintentionally limelighting a rogue FA or positioning an undeserving or unsuitable FA as a role model in the securities industry. ** Source: Seattle Magazine, April , 2013 FIVE STAR: Best in Client Satisfaction Wealth Managers, as identified in conjunction with Crescendo Business Services, an independent research firm. Over 32,000 high net worth residents were surveyed (along with 3,750 financial services professionals) and asked to evaluate wealth managers they knew. In addition to survey results, wealth advisors evaluation criteria included: 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 HYPERLINK "blocked:: \o "blocked::blocked:: - 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 Westchester Magazine. 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. Morgan Stanley Smith Barney LLC is a registered brokerdealer, not a bank. Where appropriate, Morgan Stanley Smith Barney LLC 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. Member SIPC /2013 CRC 0