James Carpentier-Levy, CFP Financial Advisor Financial Planning & Management for Medical, Dental, & Veterinary Private Practices

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1 James Carpentier-Levy, CFP Financial Advisor Financial Planning & Management for Medical, Dental, & Veterinary Private Practices

2 101 W BROADWAY SUITE 1800, SAN DIEGO, CA / MAIN / TOLL-FREE / FAX fa.morganstanley.com/james.carpentier-levy James.Carpentier-Levy@morganstanley.com

3 James Carpentier-Levy, CFP Financial Advisor I guide Private Practices through every stage of the business evolution. From the creation of the business all the way to retirement I provide a clear path for owners to establish, grow, and maintain wealth through business ownership. Every practice goes through a natural progression of evolving needs. I have identified 7 key areas Private Practices must focus on throughout their evolution. Clients come to me when they feel the need to improve upon one of these areas. I begin by walking them through the process and options available to meet their primary goal. Once the initial area of concern is covered I help them improve upon the remaining relevant focus areas. We continue to monitor and expand on each area as the business grows. Eventually I assist the client with the transition of their practice to another party. JAMES CARPENTIER-LEVY 3

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5 My Background James Carpentier-Levy, CFP Financial Advisor My mission is to provide clients with the lifestyles they dream of while protecting what is most meaningful and important to them. I take the time to truly get to know my clients. Understanding and communication are the foundation of a productive advisory relationship. I built my practice working with business owners, key employees, and their families. My focus on financial planning, risk-management, and balance sheet analysis is ideal for clients who have achieved some level of success, and want to improve upon and protect that success. I have been a Financial Advisor at Morgan Stanley since 2008, and came to the firm with previous experience in the insurance and mortgage origination industries. I hold a Bachelor s Degree in Economics with a Minor in Business Administration from Cal State San Bernardino, and have continued building my knowledge and education to increase the value and perspective I bring to clients. In this pursuit I earned the prestigious Certified Financial Planner designation in early In addition to my CFP I hold multiple securities licenses in several states and am authorized to handle Life, Health, Disability, and Long-Term-Care Insurance. The breadth of my experience and education puts me in a unique position to provide clients with a comprehensive view of their financial lives. As a California native I ve been fortunate to live throughout the state. From my childhood in San Francisco to my recent move to San Diego I appreciate all California has to offer. In my free time I enjoy boating, golfing, skiing, jogging, and playing guitar. JAMES CARPENTIER-LEVY 5

6 Services We Provide For Your Business Needs 1) Business Acquisition o Business Loans o Buy/Sell Agreements 2) Cash Flow o Debt consolidation o Debt Management o Payroll Solutions o Business Banking 3) Business Expansion o Liquidity Solutions o Equipment Leasing o Continuing Education o Business Development o Acquisition Financing 4) Income Protection o Liability Protection o Key Employee Insurance o Disability Insurance o Employee Retention o Employee Benefits 5) Tax Relief o Pension Plans o 401(k) Plans o Tax Advantaged Insurance 6) Investment Strategy o Real Estate Offerings o Securities Management 7) Succession Planning o Financing for the Buyer o Buy/Sell Agreements o Employee Stock Plans o Business Value Consulting 6 MORGAN STANLEY

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8 Financial Advisors have access to TOP-FLIGHT RESEARCH from Morgan Stanley Research tracking the progress of more than 3,000 companies all over the world. 3,000 global companies tracked 50+ Global Investment Committee members Morgan Stanley is one of the only firms that has a SALES AND TRADING business dedicated exclusively to serving the needs of our wealth management clients. 175 independent capital markets professionals Morgan Stanley has one of the most comprehensive MANAGER DUE-DILIGENCE teams in the industry. With a team of more than 25 professionals covering 1,000 investment products quarterly, we deliver advice on more assets than any other investment firm. 1,000 investment products For qualified investors, a team of 18 dedicated alternative investments due diligence professionals tracks more than 100 ALTERNATIVE INVESTMENT strategies. 25+ investment manager research professionals 100 Investment Strategies 18 dedicated alternative investments due diligence professionals

9 MORGAN STANLEY WEALTH MANAGEMENT: A COMMITMENT to EXCELLENCE Over the years, you have made many 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 choose to work with Morgan Stanley because the firm and its Financial Advisors mirror the values that instill their own success: a commitment to perform at the highest level, with no shortcuts, compromises or excuses. For nearly 80 years, our firm has been a leader, innovator and partner for successful individuals and their families, as well as corporations, foundations and endowments. Our Financial Advisors work from an extensive knowledge base built on diverse skills, experience, training and professional interests. They take time to understand your most important goals and have the resources to help you navigate volatile markets and changing life circumstances. They can help select the insights that are most meaningful for your portfolio from the daily barrage of market data and opinion. Behind every Financial Advisor stands Morgan Stanley. In planning and executing strategies that can help you attain your objectives, our Financial Advisors can draw on our resources and intellectual strength as a global financial services leader. Whatever your financial goals, and however you prefer to pursue them, Morgan Stanley offers you insights and a wide range of capabilities to help meet your unique needs. Who can draw on the resources of a firm with many years of experience to help you define your unique needs, preferences and aspirations? Your Financial Advisor can help you meet your goals by delivering the right resources to you in the way that is most appropriate for how you invest and what you want to achieve. MANAGING PERSONAL WEALTH TO INSTITUTIONAL STANDARDS. As an individual investor at Morgan Stanley, you can benefit from the market and investor insight, global presence and analytical rigor that drive our institutional relationships. For example, you will have access to the investment ideas and analyses of one of the largest capital markets desks dedicated to individual investors. THE KNOWLEDGE TO GET IT DONE. We understand that there are almost as many approaches to managing wealth as there are portfolios to invest. We also know the value of true investment insights in a world flooded with information and stirred by constant change. Our firm has 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 our Financial Advisors to help develop, structure and execute strategies for your most important financial needs, from accumulating wealth to investing for income, from seeking retirement security to devising a distribution approach that meets your lifestyle and legacy goals. At the same time, we invest in innovative tools that help simplify your financial life on a day-to-day basis. Please read important disclosures on the back cover of this brochure CRC CS /14

10 My system provides clients with an easy to follow plan to create a well-rounded, growing, and secure business. Depending on the stage of the business I can help you identify current needs and provide solutions to meet those needs. In addition to financial services and consulting for the business itself, I also offer financial planning for the owners, key employees, and their families. Through a similar process I walk the individuals through the financial issues they will face in their personal lives and provide solutions to those issues. It begins with a conversation and complimentary analysis of your current business needs. Please contact me to schedule an appointment. 10 MORGAN STANLEY

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12 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 ERISA, the Internal Revenue Code or otherwise) with respect to the services or activities described herein except as otherwise provided in writing by Morgan Stanley. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a retirement plan or account, and (b) regarding any potential tax, ERISA and related consequences of any investments made under such plan or account. Life insurance, disability income insurance, and long-term care insurance are offered through Morgan Stanley Smith Barney LLC's licensed insurance agency affiliates. Liquidity Access Line ("LAL") is a securities based loan/line of credit product offered by Morgan Stanley Private Bank, National Association, an affiliate of Morgan Stanley Smith Barney LLC. All LAL loans/lines of credit are subject to the underwriting standards and independent approval of Morgan Stanley Private Bank, National Association. LAL loans/lines of credit may not be available in all locations. Rates, terms and conditions are subject to change without notice. To be eligible for an LAL loan/line of credit, a client must have a brokerage account at Morgan Stanley Smith Barney LLC that contains eligible securities, which shall serve as collateral for the LAL. In conjunction with establishing an LAL line of credit, an LAL facilitation account will also be opened in the client s name at Morgan Stanley Smith Barney LLC at no charge. Other restrictions may apply. The information contained herein should not be construed as a commitment to lend. Morgan Stanley Private Bank, National Association is a Member FDIC that is primarily regulated by the Office of the Comptroller of the Currency. The proceeds from an LAL loan/line of credit (including draws and other advances) may not be used to purchase, trade, or carry margin stock; repay margin debt that was used to purchase, trade, or carry margin stock; and cannot be deposited into a Morgan Stanley Smith Barney LLC or other brokerage account. Borrowing against securities may not be suitable for everyone. You should be aware that there are risks associated with a securities based loan, including possible margin calls on short notice, and that market conditions can magnify any potential for loss. 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 is a registered Broker/Dealer, Member SIPC, and 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. Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED MAY LOSE VALUE NOT BANK GUARANTEED NOT A BANK DEPOSIT NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY 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 investors individual circumstances and objectives Morgan Stanley Smith Barney LLC. Member SIPC /2016 CRC CA Insurance Lic # 0F82373