WEALTH MANAGEMENT. Personally prepared for Client. March PDF Free Download

WEALTH MANAGEMENT Personally prepared for Client March 2012 El Camino Group @ Morgan Stanley Smith Barney 415-984-6755 One Sansome Street, 38 th Floor http://fa.smithbarney.com/elcaminogroup/ San Francisco, CA 94104 Angel Chavez, CIMA Robert Heaney Jared Boldemann Senior Investment Management Consultant Vice President Vice President Financial Advisor Executive Financial Services Director Financial Advisor Financial Advisor Executive Financial Services Director

Global Leadership In Wealth Management THE REWARDS OF MORGAN STANLEY SMITH BARNEY We know that you encounter complex financial situations and require customized strategies. Our goals are to: Stimulate you intellectually, challenge your thinking and facilitate strategies through ongoing communication and commitment to building a relationship of trust.

What Differentiates Us? PERSONALIZED CLIENT EXPERIENCE There's an attitude that you live by. A belief in the value of hard work. A desire to stay active. A dream of a better life for others. At Morgan Stanley Smith Barney, we share that attitude. It s the goal we set for ourselves every day. As a leader in wealth management, we will deliver: Commitment and Focus: We will work closely with you and your family to provide you with guidance over the years ahead. Knowledge: We have a deep understanding of the financial disciplines including asset allocation, tax minimization, trust and estate planning. Exclusivity: Our Wealth Management team oversees individuals and families with a minimum of $1 million investable assets. Access: As a client, you receive unparalleled access to research, opportunities and institutional investments. Open Architecture: we provide a consultative, open architecture approach with access to best in class: Money managers Private equity and hedge funds Vast intellectual capital and research

Wealth Management Needs of Investors PERSONALIZED CLIENT EXPERIENCE What we hope to accomplish is to spend some time and explain our core competencies as well as the 5 different components of our business process. Our objective is to provide you with the information to facilitate your decision in working with a wealth management team appropriate for you and your family. There are five components to our process. The First is our financial planning discipline. We feel that it is essential to establish a foundation of your personal financial situation which is best accomplished by analyzing 4 criteria: 1. Life style needs, which translates into a cash flow analysis 2. Risk management analysis 3. Exposure to income taxes and estate taxes 4. Asset management needs

PERSONALIZED CLIENT EXPERIENCE Wealth Management Needs of Investors The Second is the integration of multiple goals and priorities for you and your family. The Third is our investment management platform which we feel is one of the best in the industry. We design customized portfolios integrating your financial planning needs. The Fourth is our Trust Services. This Department provides a wide range of personal trust and estate-management services to individuals, families and charitable entities throughout the world with roots dating back to 1822. The Fifth is our risk management services. We analyze and evaluate your exposures and create strategies to help you reduce the risks to your family.

Sophisticated Financial Needs Require Tailored Strategies PERSONALIZED CLIENT EXPERIENCE Strategies & Services Investment Management Sophisticated Lending Strategies Structured Products Estate Planning Asset Allocation Analysis Discretionary/Non- Discretionary Asset Management Investment Manager Searches Fixed Income Management Private Equity Hedge Funds Lending Business Financial Services Home Mortgage Lending Cash Management Solutions Debt Restructuring Call/Put Options Costless Collars Prepaid Forward/ Forward Sales Swaps Public/Private Exchange Funds Option Capping Strategies Trust Services Grantor Retained Annuity Trust Charitable Remainder/ Lead Trusts Generation Skipping Trusts Dynasty Trusts Offshore Trusts Family Foundations Multi-Strategy Funds

Sophisticated Financial Needs Require Tailored Strategies PERSONALIZED CLIENT EXPERIENCE Whether you re looking for simple financial solutions or the most sophisticated types of investments, Morgan Stanley Smith Barney serves as your gateway to the strength and resources of our firm. Build your wealth Equities and fixed income Managed money Customized investments Concentrated stock strategies Alternative investments Setting your course Comprehensive planning Education planning Retirement planning Smart ways to borrow Mortgages Security-based lending Personal credit Insurance Annuities Advice Protecting your wealth and family YOU and YOUR FAMILY Our Team Solutions Knowledge Solutions for your business Financing Cash management Business services Managing your daily finances Cash management Bill payment Passing on your wealth Trusts and estates Philanthropic services Tax minimization Tracking your financial progress Performance review Basic reporting

Advisors AN INTRODUCTION TO YOUR ADVISORS As a Morgan Stanley Smith Barney client, you re backed by the intellectual capital of a firm with unsurpassed global reach and local market presence. To help you realize your financial goals, we ll bring together the expertise and resources of Morgan Stanley Smith Barney: Angel V. Chavez, CIMA Second Vice President Wealth Management Angel V. Chavez is a Second Vice President, Senior Investment Management Specialist and Financial Planning Specialist in the San Francisco, California office of Morgan Stanley Smith Barney LLC. He leads a senior team with wealth management and provide access to lending and private banking experience. He recently received the distinct honor of being named one of the SF Bay Area s 2011 Top Wealth Advisors practices by the National Association of Board Certified Advisory Practices. Prior to joining Morgan Stanley Smith Barney he worked as an Assistant Vice President for Merrill Lynch. He was a Vice President and Portfolio Manager at Bank of America Private Bank as well as at a boutique investment management firm, Trainer Wortham. He has managed assets for endowments, foundations, individuals, and is dedicated to providing clients with a disciplined wealth management experience. He holds a Bachelor s of Science degree in International Business and Finance from San Francisco State University. He received his MBA with a concentration in Finance from Golden Gate University and earned his CIMA designation at the University of California Berkeley Haas School of Business. He is an active Board member of the Latino Community Foundation, an active Board member of Juma Ventures, past Board member of the Greater San Jose Hispanic Chamber of Commerce, advisor to the Susan G. Komen Foundation for Breast Cancer. He was selected to serve on a selection committee for The United States-Mexico Foundation for the Advancement of Science. Angel has also lectured for the portfolio management class at the University of San Francisco MBA program, and currently teaches the investments course at the UC Berkeley Haas School of Business. Angel resides in the East Bay with his wife, son and daughter, and enjoys the outdoors.

Disclaimers DISCLAIMERS Morgan Stanley Smith Barney LLC. Member SIPC. Morgan Stanley Smith Barney LLC and its affiliates do not provide tax or legal advice. To the extent that this material or any attachment concerns tax matters, it is not intended to be used and cannot be used by a taxpayer for the purpose of avoiding penalties that may be imposed by law. Any such taxpayer should seek advice based on the taxpayer's particular circumstances from an independent tax advisor. Source: NABCAP: Premier Wealth Advisors, San Francisco Business Times, 2011, Over 5,000 direct contacts and over 40,000 indirect contacts were made to seek participation and/or nomination of participants in the Premier Wealth Advisor Program. The number of individuals contacted varies based on the size of the local market. NABCAP uses a methodology that it has created that includes both quantitative and qualitative criteria including, but not limited to financial planning, education, experience, and compliance record. NABCAP contracts with Rank Premier Advisors to administer its evaluation process. NABCAP s evaluation and ranking program (including the evaluation and validation process and the list of NABCAP Premier Advisors) is an independent third-party assessment based on objective, unbiased questions ( Program ). The Program is structured to ensure a comprehensive and objective evaluation of financial advisory practices. NABCAP s methodology includes, but is not limited to (i) average assets per client, (ii) average number of clients per advisor, (iii) financial advisor to support staff ratio, and (iv) financial advisor and support staff credentials/designations. For more information on NABCAP s methodology go to nabcap.org.»neither Premier Wealth Advisors nor Morgan Stanley Smith Barney pays a fee to be included in the final list of NABCAP Premier Wealth Advisors.»The overall evaluation score of a wealth manager may not be representative of any one client s evaluation.» The inclusion of a wealth manager on the list should not be construed as an endorsement of the wealth manager by NABCAP or Omaha Magazine.»The rating is not indicative of the Financial Advisor s future performance.

Disclaimers DISCLAIMERS Proceeds from mortgage loan transactions are not permitted to be used to purchase trade or carry marginable securities, repay margin debt or to make payments on any amounts owed under the Note. Morgan Stanly Smith Barney, LLC. 2000 Westchester Avenue, Purchase, NY 10577. Tel: 800-869-3326. Nationwide Mortgage Licensing System Unique Identifier No. 171760. Arizona Mortgage Broker License No. 0910887. California Department of Corporations Finance Lenders Law License No. 603H431. Georgia Residential Mortgage Licensee No. 23976. Kansas Licensed Mortgage Company No. MC.0025024. Massachusetts Mortgage Broker License No. MB5439. Montana Mortgage Broker License No. 171760. Licensed by the New Hampshire Banking Department. Licensd by the New Jersey Department of Banking and Insurance. Registered Mortgage Broker NYS Banking Department. Ohio Mortgage Broker Act Certificated of Registration No. MB 804039.000. Rhode Island Licensed Loan Broker. Mortgage brokers may not make loans. Home Loans are made by Morgan Stanley Private Bank, National Association or other affiliated lenders, not Morgan Stanley Smith Barney LLC. Mortgage brokers may not make loans. Except where noted, banking and credit products and services are provided by Morgan Stanley Private Bank, National Association., Morgan Stanley Bank, N.A. or other affiliates. Morgan Stanley Private Bank, National Association and Morgan Stanley Bank, N.A. mebers FDIC, are national banks and depository institutions regulated by the Office of the Comptroller of the Currency. Residential mortgages and other home loan products and services are offered by MSPBNA or other affiliated lenders. A Morgan Stanley Smith Barney investment relationship does not have to be established or maintained to obtain the products or services offered as part of the Home Loans program. All loans are subject to application and approval. These products may not be available in all jurisdictions and are limited to U.S. citizens and permanent resident aliens only. Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, no 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. All loans are subject to application and approval.

Disclaimers DISCLAIMERS The Pledged-Asset Mortgage feature is not available in Washington, DC and West Virginia. If the value of the pledged securities in your account drops below the agreed-upon level stated in your loan documents, you will be required to deposit additional securities or other collateral (such as cash) to stay in compliance with the terms of the mortgage. If you do not, your pledged securities may be sold to satisify such obligation, and you will not be entitled to choose which assets will be sold. Thus, in deciding whether the Pledged-Assets Mortgage feature is right for you, you should consider the degree to which you are comfortable subjecting your investment in a home to the fluctuations of the securities market. These products may not be available in all states and are limited to U.S. citizens and permanent resident aliens only. Residential loans are not available in Guam, Puerto Rico and the Virgin Islands. Loans are subject to credit approval. Other restrictions may apply. Morgan Stanley Private Bank, National Association underwriting guidelines will apply. Loans are subject to credit application and loan approval. Rates, terms and programs are subject to change without notice. Borrowing against securities may not be suitable for everyone. You hould be aware that securities-based loans involve a high degree of risk and that market conditions can magnify any potential loss. Most importantly, you need to understand that: The loan can be called at any time and for any reason. Sufficient collateral must be maintained to support your loan(s) and to take future advances. You may have to deposit additional eligible securities or funds for investment on short notice. Some or all of your securities may be sold without prior notice in order to maintain account equity at required maintenance levels. You will not be entitled to choose the securities that will be sold. These actions may interrupt your long-term investment strategy and may result in adverse tax consequences or in additional fees being assessed. Morgan Stanley Smith Barney or its affiliates (the Firm) reserves the right not to fund any advance request due to insufficient collateral or for any other reason. Your collateral maintenance requirements can be increased at any time without notice. This material does not provide 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 investor s circumstances and objectives. Life insurance, disability income insurance and long-term care insurance are offered through Morgan Stanley Smith Barney s license insurance agency affiliates.

Disclaimers DISCLAIMERS An investment in alternative investments can be highly illiquid, is speculative and not suitable for all investors. Investing in alternative investments is only intended for experienced and sophisticated investors who are willing to bear the high economic risks associated with such an investment. Investors should carefully review and consider potential risks before investing. Some of these risk may include:» loss of all or a substantial portion of the investment due to leveraging, short-selling, or other speculative practices;»lack of liquidity in that there may be no secondary market for the fund and none is expected to develop;» volatility of returns;»restrictions on transferring interests;»potential lack of diversification and resulting higher risk due to concentration of trading authority when a single advisor is utilized;»absence of information regarding valuations and pricing;»complex tax structures and delays in tax reporting;»less regulation and higher fees than mutual funds; and»manager risk. Individual funds will have specific risks related to their investment programs that will vary from fund to fund. Investors should be willing and able to assume the risks of equtiy investing. The value of a client s portfolio changes daily and can be affected by changes in interest rates, general market conditions and other political, social and economic developments, as well as specific matters relating to the companies in which securities the portfolio holds. All fixed income securities are subject to market risk and interest rate risk. If fixed income securities are sold in the secondary market prior to maturity, an investor may experience a gain or loss depending on the level of interest rates, market conditions and the credit quality of the issuer.

WEALTH MANAGEMENT. Personally prepared for Client. March 2012