The BHPS Group at Morgan Stanley

The BHPS Group at Morgan Stanley

345 St. Peter St. 1800 Landmark Towers, Saint Paul, MN 55102 651-215-8400 / MAIN 800-326-9121 / TOLL-FREE 651-215-8408 / FAX nancy.buttweiler@morganstanley.com

The BHPS Group at Morgan Stanley 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 BHPS GROUP 3

Meet the Professionals Judith Halabrin, CFP Wealth Advisor Senior Vice President The BHPS Team (from left): Nancy Buttweiler, David Peterson, Doreen DeHaan, Kris Schultz, Judith Halabrin and Karla Lindsay. A seasoned professional with 32 years in the industry, Judy has carefully navigated her clients through even the most volatile of times. Her focus is on the development and execution of customized investment management strategies during the wealth accumulation phase, and customized income solutions during the income distribution phase. She works collaboratively with clients; listening, educating and guiding them through the various stages of their lives and careers. In 2007, Judy was named to the Top Woman Advisors Winner s Circle list by Minneapolis-St. Paul Business Journal. She also holds the designation of CFP, a designation awarded by the Certified Financial Planner Board of Standards, Inc. Judy is a former member of the Girl Scout Council St. Croix Valley Board of Directors and the Planned Giving Advisory Council. She currently serves on the board of The Retreat. She and her husband John have been married for 20 years. They are St. Paul residents and enjoy traveling, gardening, biking and hiking. 4 MORGAN STANLEY

Nancy Buttweiler, CRPC Wealth Advisor Vice President Nancy uses a holistic approach to investing and wealth management. She accompanies her clients and their families throughout their careers to the pursuit of lifetime aspirations, taking into consideration the many moving parts that can impact their financial future. Her conversational approach allows her to consider the feelings and emotions behind each client s goals, and act accordingly to address those concerns. In her 33 years of work in the financial industry, Nancy has developed a special interest in retirement planning. She has earned the designation of CRPC awarded by the College for Financial Planning, and is an alumna of St. Cloud State University. She has been involved with volunteering for several nonprofit organizations, including Habitat for Humanity and The Angel Foundation. Her hobbies include gardening and travel. David Peterson, CFP, CRPC Wealth Advisor Vice President Attention to detail, good listening skills, and a curious passion for research are the hallmarks of David s practice. Since 2002, he has helped clients successfully use their investments as tools to accumulate wealth, or distribute a sustainable income stream for the next phases of their lives. David is relentless in pursuing new and specialized investment opportunities to fit the goals and values of each client. He also assists companies as they navigate the often confusing individual 401(k) market and creates plans that allow employers to provide effective retirement savings tools for their employees. David holds a Bachelor of Arts degree from the University of St. Thomas with a major in Finance. He has several industry accreditations as well, including CFP and the CRPC. While at St. Thomas, David was a member of the University of St. Thomas basketball team. He is an active volunteer coach for local youth sports. David and his wife Sarah have two young sons, Griffin and Tate. Away from his business, he enjoys golfing, basketball, tennis, and spending time with family and friends. Kristopher Schultz, CFP Wealth Advisor Vice President Clients look to Kris to assist them in mapping their financial futures, including creating the lasting legacy many of them dream of establishing for their children, families and communities. His commitment to excellence drives him to review every aspect of a client s financial situation, preferences and goals. His strategic plans include short-term income and growth investments, while also providing for wide range of long-term opportunities, including retirement, estate planning services, and philanthropy. A graduate of the College of Saint Scholastica, Kris holds a bachelor s degree in Business Administration, and has worked in the financial services industry for 13 years. In addition, he holds the designation of CFP, a designation awarded by the Certified Financial Planner Board of Standards, Inc. He has volunteered with Habitat for Humanity and his local church food shelf. Kris lives in Hudson, Wisconsin with his wife, Ginene, and their three young children. He enjoys golfing, hunting, and spending time with his family. THE BHPS GROUP 5

Developing Your Wealth Management Strategy 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 with the resources and perspective of one of the world s largest financial firms. 1 We will discuss your current financial resources, time horizon for your goals, 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. 6 MORGAN STANLEY

Discover Plan 2 We will present a plan to help address needs such as income and retirement planning, asset protection, investment management, strategic borrowing, wealth transfer and business succession. We will also recommend an asset allocation strategy reflecting your risk tolerance and investment time horizon. Review Implement 3 The team will work closely with you to bring the elements of your plan to life, helping you to select from the hundreds of investment management firms available to you, and identify specific stocks, bonds and other securities that may be suitable for your portfolio. Then we will closely monitor your portfolio. 4 You will receive a comprehensive quarterly performance review, helping you track progress toward your objectives. 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.

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. 8 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. MORGAN STANLEY 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.

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

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 agreed to in writing by Morgan Stanley. This material was not intended or written to be used for the purpose of avoiding tax penalties that may be imposed on the taxpayer. 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. 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. 1871413 10/2013 CRC 740493