The Blue Mountain Group at Morgan Stanley

The Blue Mountain Group at Morgan Stanley

TWO TOWN PLACE STE 100 BRYN MAWR, PA 19010 800-221-8496 / TOLL-FREE 610-527-7350 / MAIN 610-520-2231 / FAX http://www.morganstanleyfa.com/ thebluemountaingroup

Managing wealth involves far more than managing an investment portfolio. It begins with developing a holistic, comprehensive understanding of who you are and the financial forces at work in your life. It means helping you understand and respond effectively to these forces. And, of course, it means helping you invest your assets in a way that reflects the realities of your life and the uniqueness of your long term goals. As Financial Advisors, we are committed to building a relationship of trust in which we can work closely with you to help you define your objectives, explore alternatives and choose the financial and investment strategies that are most appropriate for you. As our relationship evolves, we hope you will come to regard us as a valued resource and professionals who can help you make a more informed decision on any financial issue. Our most important goal: to help you achieve your objectives, providing guidance that helps your wealth do more for you. THE BLUE MOUNTAIN GROUP 3

Meet the Professionals The Blue Mountain Group at Morgan Stanley is a group of professionals who manage over $200 million in total assets. As of September 2013, over 75% of those assets are with clients who have over $500,000 invested with us. To best meet client needs, the Blue Mountain Group maintains offices in two locations: Roy A. Oskutis Steven J. Ginter Two Town Place 214 Senate Avenue Suite 100 7th Floor Bryn Mawr, PA 19010 Camp Hill, PA 17011 610 542 2938 717 730 1804 800 221 8496 800 237 1700 4 MORGAN STANLEY

Roy Oskutis, CFP Senior Vice President - Wealth Management Branch Manager Roy has 30 years of experience in the financial services industry as an advisor and branch manager. He has distinguished himself as a CERTI- FIED FINANCIAL PLANNER professional and has earned the Morgan Stanley designation of International Client Advisor. Roy holds a BA in Psychology from Rowan University, an MA in Counseling Psychology from Kean College and an MA in Administration from Rider College. Roy resides in Derry Township / Hummelstown, PA with his wife Jane. They have a daughter, Morgan and a son, Derek. Steven Ginter Financial Planning Specialist Financial Advisor Steve joined the firm over five years ago with more than 25 years of experience as an investor and business executive. He joined the firm after working with the team as a client of the Blue Mountain Group. Steve has earned the designation of Financial Planning Specialist with the firm. In addition to their investment management needs, Steve also assists clients with life insurance and annuities. He holds a BS in Business Economics from the State University of New York at Oneonta and a MS in Management from Purdue University. Steve lives in Derry Township / Hummelstown, PA with his wife JoAnn. They have two daughters, Carly and Stephanie. THE BLUE MOUNTAIN GROUP 5

Danielle Carbone Client Service Associate Danielle has over 11 years of experience in the financial services industry as a client service associate. Her cando attitude and responsive client service make her the go-to person to address many client needs. Danielle holds a BS in Management and Marketing from Philadelphia University. 6 MORGAN STANLEY

Asset Allocation and Portfolio Planning We will work together using a process that focuses on you and your goals, integrating investment decisions with your immediate financial needs and desired aspirations. This process encompasses four steps: 1 Personal review Before we can advise you, our team must understand you and your goals. We will guide you through an extensive discovery process to identify your objectives, time horizon, tolerance for risk and other considerations that may play a role in shaping your investment strategy. 2 Asset allocation and portfolio planning Your input drives the development of a personalized financial strategy. Designed to help you meet your specific needs, it addresses areas such as retirement, education expenses, estate planning and tax minimization potential. When our analysis is complete, we will present to you an investment strategy that helps to identify appropriate diversification for your portfolio. 3 Implementation After we have discussed and refined your strategy, we work closely with you to bring the elements to life. Should we decide that outside money managers are appropriate for you, we will 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 together, our team will help you keep your strategy on track. 4 Ongoing communications and reporting 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 8 MORGAN STANLEY

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. 9

Morgan Stanley 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 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. 10 MORGAN STANLEY

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. 2013 Morgan Stanley Smith Barney LLC. Member SIPC. 1346240 11/2013 CRC 736409