The Shelter Bay Group at Morgan Stanley

The Shelter Bay Group at Morgan Stanley

58 South Service Road Suite 400, Melville, NY 11747 631-755-8990 / MAIN 877-752-6454 / TOLL-FREE 631-755-8999 / FAX www.morganstanleyfa.com/theshelterbaygroup

The Shelter Bay 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 SHELTER BAY GROUP 3

Meet the Professionals We believe that working as a team helps to provide you with access to the most appropriate solutions, and helps to ensure that you benefit from the highest levels of service. While we bring complementary skills and perspectives to our clients, we also share a commitment to responding to your needs promptly, professionally and thoroughly. Our goal is to earn your confidence not only through the quality of solutions we provide to you, but also the excellence with which we deliver them. Jennifer A Segura, CFP, CRPC Financial Planning Specialist First Vice President Investment Management Consultant Jennifer began her investment career in 1996 by joining Morgan Stanley after having graduated from Hofstra University with a Bachelor of Science in Mathematics and a Minor in Finance. Jennifer earned her CER- TIFIED FINANACIAL PLANNER and CHARTERED RETIREMENT PLANNING COUNSELOR designations in 2007. Along with her partner and Financial Advisor Colleen Mackenzie-Doino, Jennifer s practice focuses on High Net Worth Individuals and Corporate Executives of Fortune 500 Companies in the Metropolitan Area. Her responsibilities include a wealth management process which begins with a comprehensive financial plan. She believes a smart financial plan is a roadmap to life s most important events. 4 MORGAN STANLEY

Together with her experience, knowledge and the firm s capabilities and resources, Jennifer develops and implements strategies in Lifestyle, Risk, Asset and Liabilities Management. The integration of all four variables helps ensure the client s comprehensive financial goals are achieved. She is devoted to making a difference in the financial wellbeing of her clients. Jennifer and her husband John have been married for 13 years. John is an entrepreneur and owns his own business in the beauty industry. They have two children John Cesar who is 7 and Brooke who is 4. They enjoy traveling and spending time with family and friends. Colleen Mackenzie-Doino Financial Planning Specialist Vice President Investment Management Consultant After graduating college in 1995, Colleen began her career with boutique firm Kirlin Securites. In 1998 she joined Morgan Stanley. Together with her partner and Financial Advisor, Jennifer Segura, The Shelter Bay Group at Morgan Stanley was formed in 2007. Colleen holds Series 7, 63, 3 licenses and is registered in most states. She has also earned the Financial Planning Specialist designation. As Vice President and Investment Management Consultant, Colleen s primary focus is helping High Net Worth families as well as Corporate Executives create smart financial plans customized to their specific needs as she knows no two situations are ever alike. She has the ability to provide advice on stock options, asset management, wealth transfer and retirement planning. Part of Colleen s roles are to oversee asset management and asset allocations for individual clients as well as Institutional Pension Plans. Utilizing her experiences in Portfolio Management, Technical Analysis, Retirement and Estate Planning Colleen is able to guide her clients through all types of life events. Colleen has served as an active Community volunteer and works closely with boards, committees and focus groups specifically geared towards children with special needs. She is also an active member of the PGA and USGA. Colleen resides in Commack, NY with her husband Richard and two daughters. THE SHELTER BAY GROUP 5

Creating Your Plan To be truly effective, your plan must reflect the totality of your personal and financial life. Our role is to help ensure that your investment objectives are consistent with pressing financial concerns and your long-term aspirations. 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 work to articulate your aims for your wealth, examining your current and future income sources and cash flow needs, and then consider factors like tolerance for risk, tax concerns, liquidity needs and time horizon. 6 MORGAN STANLEY

Discover Analyze 2 We will propose a financial plan and asset allocation designed to help meet your goals. Our advice may encompass issues such as retirement planning, business continuation, tax minimization and wealth transfer Review Implement 3 We 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 We will review your portfolio together at your request. 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.

The ups and downs of the markets is just one kind of risk but so is not protecting my assets and my family. How do I protect what I care about most? When I retire, it will affect just about everything that matters: my lifestyle, my company, my family. Is there a way to plan for retirement that takes it all into account? Decisions about both assets and liabilities need to be made in the framework of important life goals. What steps are also the most tax efficient? How can a strategic approach to banking and lending simplify my financial life and maximize the value of what I own? Will I be able to pay for a good education for my children and my grandchildren? How do I manage my personal wealth with so much tied up in my company? I have so many goals and priorities. How can one investment strategy balance them all? I can predict some expenses, but others I know I can t. How can I plan to have the cash I need? Making sure my estate goes to the people and organizations I care about is a priority. How do I transform my assets into a legacy? The charities I support are like extended family. How do I maximize the good I can accomplish?

A COMMITMENT to 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 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. deep wealth management experience Drawing on many years of experience, Morgan Stanley 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 help develop, structure and execute strategies for your most important financial needs, from accumulating wealth to investing for income, from creating retirement reserves to devising a distribution approach that meets your lifestyle and legacy goals. 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. The team is currently supported by the work of research analysts at two of the world s largest investment banks, Morgan Stanley and Citi, who coverkeygeographicandeconomic sectors, as well as 4,100 companies. You also benefit from a premier trading and execution platform. Think of our 210 capital markets professionals as experienced, highly responsive and knowledgeable partners. Among the most importantskillsofourfinancialadvisors is the ability to listen: to understand your financial needs and then align the resources to help 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, and assist you in developing and executing a strategy that is precisely your own and help deliver 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 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. Financial Advisors have and Citi. Combined, they analyze and track the progress of more than 4,100 companies all over Please read important disclosures on the back cover of this brochure 10/2012 CRC561482

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

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. 1687430 10/2013 CRC 696742