The Ellsworth Group at Morgan Stanley Smith Barney

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1 The Ellsworth Group at Morgan Stanley Smith Barney

2 36 East Streetsboro Street Suite 101, Hudson, Ohio / Main / fax fa.morganstanleyindividual.com/theellsworthgroup/

3 The Ellsworth Group at Morgan Stanley Smith Barney As the financial world becomes more complex and investment choices multiply, careful planning becomes ever more important to helping you achieve your financial goals. As Financial Advisors, our role is to work with you to help you develop a plan that lays out a clear path to your goals a plan that we develop in collaboration with you, and one that you can follow with confidence in the face of the market s ups and downs. Together, we will explore a broad range of topics that are likely to influence your financial future from your family situation to your career aspirations, from likely education expenses to the retirement you ultimately envision. What we learn will become the foundation for a financial and investment strategy based on who you are and where you want to go. Only then will we talk with you about the details of investing: how much risk makes sense, your asset allocation, and which investments are right for your portfolio. But that s just the beginning. Over time, we will revise your plan to reflect new aspirations and priorities, helping your plan keep pace as the markets change and your life unfolds. The Ellsworth Group 3

4 Meet the Professionals Back row left to right: Joshua Dautovic, David Jakubowski, Timothy Clepper, Bryan Weber, Kelly Kuennen, Charles Snyder, Max Schindler Front row left to right: Nadine Martin, Sally Silvaroli 4 Morgan Stanley Smith Barney

5 Bryan A. Weber Portfolio Manager Senior Vice President Financial Advisor Timothy Clepper Portfolio Manager Senior Vice President Financial Advisor Charles Snyder QPA, QPFC Corporate Retirement Director Senior Vice President Financial Advisor Bryan A. Weber offers more than 23 years of investment consulting and portfolio management experience. He is primarily responsible for the investment management of portfolios for trusts, endowments, corporations, and high net worth individuals and families. Bryan is well versed in complex estate planning techniques, wills, trusts, charitable foundations, endowments, and business succession plans. Bryan is a 1987 graduate of Baldwin Wallace College with a Bachelors degree in Finance and Accounting. In 2006, Bryan completed the Investment Counsel program at the University of Chicago Graduate School of Business. Bryan.Weber@mssb.com Tim brings approximately 15 years of consulting experience, specializing in wealth management and corporate retirement plans. Tim is responsible for investment ideas and deliverables for clients. He is also responsible for The Ellsworth Group s business development and strategy. Tim serves on several charitable boards, including the Cystic Fibrosis Foundation. He received his Accredited Investment Fiduciary Auditor (AIFA) designation from the Center for Fiduciary Studies. Tim received his business administration degree from Kent State University. Timothy.Clepper@mssb.com Charles offers more than 20 years of qualified plan consulting experience. He is responsible for technical plan design, regulatory compliance issues and vendor negotiations. Charles obtained the Qualified Plan Administrator (QPA) in 1994 and the Qualified Plan Financial Consultant (QPFC) in 2009 from the American Society of Pension Professionals and Actuaries (ASPPA). He also obtained the designation of Accredited Investment Fiduciary Auditor (AIFA) from the Center for Fiduciary Studies. He is a member of ASPPA and the International Foundation of Employee Benefit Plans. Charles is a 1989 graduate of the University of Akron with a degree in Accounting. Charles.Snyder@mssb.com The Ellsworth Group 5

6 Kelly Kuennen, CFP Portfolio Manager Vice President Financial Advisor Joshua S. Dautovic, QPFC Financial Advisor Michael Max Schindler Financial Advisor Kelly offers more than 17 years of consulting experience. He is primarily responsible for portfolio management, investment analysis, financial planning, and employee consultation. Kelly generally provides wealth management services to individuals in an advisory capacity. For qualified plan clients, Kelly provides employee enrollments and education in addition to advising employees on retirement planning and distributions. Kelly obtained the CERTIFIED FINANCIAL PLANNER practitioner designation from the Certified Planner Board of Standards. He is a graduate of Miami University with a degree in Finance. Kelly.Kuennen@mssb.com Joshua brings more than 7 years of consulting experience, specializing in retirement plans. He is responsible for mutual fund analysis as well as total plan and cost analysis. Joshua also provides participant enrollments and education. Joshua has obtained his Qualified Plan Financial Consultant (QPFC) designation from the American Society of Pension Professionals and Actuaries (ASPPA). He is an active participant in Junior Achievement in the Cleveland area. He is a graduate of Ohio University with a degree in Finance. Joshua.Dautovic@mssb.com Max joined Morgan Stanley Smith Barney in June of 2010 after interning with the group for 4 years throughout college. As a member of The Ellsworth Group, he works closely with clients to develop an understanding of their investment objectives and analyze their current financial situation. Max is responsible for collaborating with individual clients, qualified plan sponsors, and participants. In addition, he performs product and investment research and analysis. He is a graduate of John Carroll University with a degree in Accounting. Michael.Schindler@mssb.com Morgan Stanley Smith Barney

7 David Jakubowski Senior Registered Associate David brings over twenty years of experience in the financial services industry. Dave plays a key role on the team as an important contact for our clients special needs. His specialties include providing research, analysis, performance reporting and execution of trades. Dave is a conduit from our back office analysts to team members. Dave is an active member of his community; he is involved with the Parma Amateur Athletic Federation, Boy Scouts of America and his parish, St. Charles Borromeo. Dave is a graduate of Kent State University with a Bachelor of Business Administration degree majoring in Finance. David.Jakubowski@mssb.com

8 Developing Your Wealth Management Strategy Individuals work hard to build wealth in pursuit of a meaningful life for themselves and their family. Your achievements reflect substantial effort, and we will work just as hard on your behalf, committing our experience and skills to helping you achieve your unique goals for your wealth. Moreover, we will support you and your strategy by accessing the resources and perspective of one of the world s largest financial firms. Before our team offers specific advice, however, we must understand who you are and what you want your wealth to accomplish. Working with you, we will complete a four-step process: 1 Setting your financial objectives We will begin our relationship by listening discussing a range of topics related to your financial needs and investment objectives: long-term life goals and expectations, possible major purchases, and legacy and charitable goals, if you have them. We will discuss your current financial resources, your time horizon for various goals, your tolerance for risk even how your liabilities are structured. If you own a business, we also might discuss your current banking and cash management needs. 2 Developing your wealth management strategy Based on your input, our advice will likely help address income and retirement planning, asset protection, investment management, strategic borrowing, wealth transfer and business succession. Of course, your plan will include an asset allocation strategy designed to help achieve your financial goals in light of your risk tolerance and investment time horizon. 3 Implementing your strategy After we have discussed and refined your strategy, the team works closely with you to bring the elements to life. Should we decide together that outside money managers are appropriate for you, we will draw on in-depth 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, the team will help you keep your strategy on track. 4 Reviewing your performance You will receive a quarterly review that outlines your portfolio s performance, helping you track progress toward your objectives. Moreover, when your personal situation or market conditions change significantly, we can suggest appropriate adjustments to your portfolio to help it remain aligned with your goals. 8 Morgan Stanley Smith Barney

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10 For Life s Most Important Goals With an experienced professional and the right resources, reaching your most important goals can be less challenging and more rewarding. We are ready to help you meet your goals, by combining our insight into your needs with the resources of Morgan Stanley Smith Barney. Setting a confident course Thorough, thoughtful planning planning that analyzes where you are as well as where you want to go is the most important step in establishing a path to your goals. We will work with you to explore and define your objectives and needs, and then structure a plan that is uniquely your own. Balance sheet analysis Retirement planning Education planning Estate planning Multigenerational planning Managing the rewards of success Managing an investment portfolio should be a consultative, disciplined process that balances your attitudes and goals as an investor with careful analysis of the financial markets and the risks and opportunities they hold for you. You can rely on us for objective strategic advice in structuring your portfolio and for careful analysis of any investments we consider together. Asset allocation Investment management Traditional investments Alternative investments Structured investments Separately managed accounts

11 Shaping your retirement Together, we can work to make decisions that could help you move toward the retirement you expect. Whether you are building retirement wealth or making the transition to generating income from your assets, we can help you develop and implement a strategy based on your vision of retirement. IRAs: Traditional Roth IRA rollovers Roth conversions Building a unique legacy Estate planning typically brings together the dimensions of life: personal, family, financial and charitable. We will work with you to understand the connections between your life and legacy goals, and work with your accountant and attorney to help you develop a strategy to position your portfolio appropriately. Educating new generations Helping to meet the education costs of children and grandchildren may be one of the most attractive and personally fulfilling investment opportunities available to you. We can help you access appropriate investment vehicles 529 plans and custodial accounts. Giving back through philanthropy Many successful individuals seek opportunities to support cultural and educational institutions, and nonprofit organizations and activities. Properly undertaken, charitable giving can provide planning flexibility and benefits for you. We can help you analyze and implement a strategy that rewards you while it benefits causes you care about. Charitable lead and remainder trusts Family foundations Donor advised funds Strengthening your business The links between business ownership and personal wealth are many and complex. Whether your objective is to grow your business, realize its value through a succession strategy or sale, or maintain family ownership by the next generation, we can examine your alternatives in light of both business and personal objectives. And, should circumstance require it, we can use the access to banking services of Morgan Stanley Smith Barney. Lending Services Cash management Retirement plans Strategic consulting and transactions Succession planning Insurance Protecting your wealth Insurance can play a critical role in virtually any comprehensive financial strategy, helping you to protect the value of your assets, protect your income and your family s financial security even perform important functions in a business succession or estate plan. We can help you analyze your current insurance portfolio and work to update your coverages to fulfill personal and strategic goals. Life and disability income insurance Life insurance trusts Key-person insurance Meeting current liquidity and banking needs Managing personal cash and securing liquidity for personal needs and opportunities are the day-to-day aspects of implementing a financial strategy. We can help you meet your personal cash management and borrowing needs while thinking strategically about how approaches may affect current and longterm costs and taxes. Home finance Lending services Debt restructuring Securities-backed loans The Ellsworth Group 11

12 $1.5 Trillion client assets 7,000,000 client accounts 18,000 financial advisors 900 global locations CEO and Senior ManageMent team with deep wealth ManageMent experience 130 years of combined experience A Strong, Steady Force in a Changing Industry Information as of 05/30/2010 unless otherwise indicated

13 A CULTURE of EXCELLENCE 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 Smith Barney 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 profound Understanding of wealth management needs Business Strategies Charitable Pursuits Education Funding Estate Planning Integrated Planning Investment Management Liquidity Retirement Risk Management U n p a r a l l e l e d e x p e r i e n c e. Drawing on many years of experience, Morgan Stanley Smith Barney 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 develop, structure and execute solutions for your most important financial needs, from accumulating wealth to investing for income, from solidifying retirement security to devising a distribution approach that meets your lifestyle and legacy goals. investment insight without 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 Smith Barney. The team is currently supported by the work of 350 analysts at two of the world s largest investment banks, Morgan Stanley and Citi, who cover key geographic and economic sectors, as well as 3,000 individual equity securities. You also benefit from a premier trading and execution platform. Think of our 225 capital markets professionals as experienced, highly responsive and knowledgeable partners. performance that meets your measure. Among the most important skills of our Financial Advisors is the ability to listen: to thoroughly understand your financial needs and then align the resources to 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, assist you in developing and executing a strategy that is precisely your own and help deliver performance 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 Smith Barney 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 investment organizations stands Behind your financial advisor Financial Advisors have access to top-flight research from both Morgan Stanley and Citi. Combined, they analyze and track the progress of more than 3,000 companies all over the world. Please read important disclosures on the back cover of this brochure Morgan Stanley SMith Barney 13

14 Morgan Stanley Smith Barney strives to offer clients the finest in financial thinking, products and execution to help them meet their individual needs and achieve their personal financial goals. When we work together, you ll benefit from personalized advice, objective guidance and dedication to your success as an investor. With access to Morgan Stanley Smith Barney s renowned global resources and investment opportunities, we can help you develop and maintain an optimal investment strategy. Our wealth management strategy will address key areas of your financial life beyond traditional investments and may incorporate diverse recommendations for building and protecting your wealth. 14 Morgan Stanley Smith Barney

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16 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 contact us to understand these differences. Asset allocation and diversification do not guarantee a profit or protect against loss. Morgan Stanley Smith Barney LLC ( Morgan Stanley Smith Barney ) 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. Unless otherwise specifically disclosed to you in writing, investments and services offered through Morgan Stanley Smith Barney, member SIPC, 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. 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 trust and estate planning and other legal matters Morgan Stanley Smith Barney LLC. Member SIPC /11