The Wides Group at Morgan Stanley. Shaping Your Financial Future

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1 The Wides Group at Morgan Stanley Shaping Your Financial Future

2 6735 CROSSWINDS DR N ST PETERSBURG, FL / MAIN / TOLL-FREE / FAX

3 The Wides Group at Morgan Stanley We ve spent our career helping clients of all ages increase their retirement readiness. For younger clients, we typically focus on asset accumulation potential how their 401(k) or other retirement plans are allocated and what else they can be doing to build their retirement nestegg. For clients nearing retirement, we provide a step-by-step process that helps them identify and address issues that they may have overlooked from when they should begin taking Social Security benefits to how they may be able to generate income to support the lifestyle they envision. Once our clients actually do retire, they ll find that we continue to offer them personalized advice, in order to help them meet unforeseen expenses, manage risk and continue to enjoy the retirement they envisioned while we were planning it together. THE WIDES GROUP 3

4 Meet the Professionals 4 MORGAN STANLEY

5 Kenneth Wides Senior Portfolio Management Director Senior Vice President Financial Advisor Ken Wides joined the firm in 1971 and has over 43 years of experience as a Financial Advisor. In addition to the successful client relationships he s established, he manages personalized equity and bond strategies for his clients. Ken is a member of Morgan Stanley s Portfolio Management Group, a highly selective program into which only qualified advisors have been accepted. Ken oversees all client investments and wealth management plans for The Wides Group at Morgan Stanley. His longevity in the business and experience in both up and down markets guides the overall direction and vision for the team. Prior to joining the firm, Ken attended Florida State University where he graduated in 1966 with a Bachelor of Science in Economics. He and his wife, Elaine, have six children, and he enjoys boating, fishing and watching baseball. Sara Wides Nicholson, CFP Financial Planning Specialist Financial Advisor Sara Nicholson joined the firm in 2004, partnering with Ken to enhance the level of service provided to their clients. Sara s focus is on expanding the relationships that The Wides Group currently has, as well as garnering new relationships. As a CERTIFIED FINANCIAL PLANNER, Sara works with Ken to uncover clients financial needs and goals, formulate strategies to help clients achieve their goals, and execute and monitor these strategies. Sara s previous experience was in the technology consulting industry where she worked as a consultant to both Fortune 500 companies and smaller startups. She received her MBA in Finance from Emory University in 2004 and a Bachelor of Science in Organizational Communication and Math from the University of Miami in Sara and her husband, Ed, have three children and enjoy watching baseball and visiting Ed s family in Ireland. Adam Wides Financial Advisor Adam Wides joined the firm in 2013 to broaden the team s reach into the community and find new families to help guide towards financial security. Adam s addition to The Wides Group provides for a more engaging client experience as he brings new resources and knowledge from which clients can benefit. Adam s roles include relationship building, assisting clients with financial planning and managing client assets. Adam s previous experience was in Commercial Real Estate where he brokered sales of Self-Storage properties built on the trust and confidence his clients had in him. He received his MBA from the University of South Florida in 2007 and a Bachelor of Science with a major in Finance and a minor in Accounting from the University of Central Florida in In his free time, Adam enjoys fishing, golfing, playing softball, volunteering and spending time with his family. THE WIDES GROUP 5

6 The Way We Do Business Think of us as your personal CFO. By employing a highly ethical business approach and using quality investments to help you meet your goals, we will try to guide you to a secure and profitable future, while simplifying your complex financial life. Our clients come to us seeking help navigating their investments, as well as their larger financial picture. Whether they no longer want to go it alone, or they are no longer happy with their advisor, they come ready to act on clear advice. During our first meeting, we will discuss what matters most to you and uncover your lifestyle needs and goals. We will review such items as assets, liabilities, insurance coverage, cash flow, and any estate planning in place. After careful analysis, we will provide you with a customized plan of action and work with you on investing and managing your money according to your financial plan. As we go along, we will periodically review what is going on in your life as it applies to your plan and make adjustments as needed. Since the quality of our advice and service is most important, we work on a comprehensive, fee-based wealth management platform. This allows us to be fully focused on your needs and not on products to sell. Through this platform, we are able to marry our strengths in portfolio management with our strengths in financial planning and the overall capabilities of our wealth management practice. Our ultimate mission is to give you the same financial security and wealth opportunities that we want for ourselves, helping you achieve financial security - not only now, but into the future. 6 MORGAN STANLEY

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8 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 8 MORGAN STANLEY

9 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# /2014

10 Start the Conversation We are dedicated to providing you with the strategies and resources that can help you achieve your retirement goals in today s changing financial environment. The Retirement Standard is meant to help connect all the pieces of your financial life with a comprehensive plan of action designed to put you on a path to the retirement you envision. Every plan comes with our commitment to work with you over time to be sure you stay on track. 10 MORGAN STANLEY

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12 Certified Financial Planner Board of Standards Inc. owns the certification marks CFP, CERTIFIED FINANCIAL PLANNER and federally registered CFP (with flame design) in the U.S., which it awards to individuals who successfully complete CFP Board s initial and ongoing certification requirements. 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 /2014 CRC CA Insurance Lice # OH73532