John A. Busco Senior Vice President Financial Advisor Wealth Advisor
1433 Hooper Avenue Toms River, NJ 08753 732-505-4743 / MAIN 800-676-0996 / TOLL-FREE 732-505-4737 / FAX www.fa.smithbarney.com/busco john.busco@mssb.com
As the financial world becomes more complex and investment choices multiply, careful planning becomes ever more important to achieving your financial goals. My role is to work with you to develop a plan that lays out a clear path to your goals a plan that I develop in collaboration, and one that you can follow with confidence in the face of the market s ups and downs. Together, I 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 I 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 I talk 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 I ll monitor and revise your plan to reflect new aspirations and priorities, making sure it keeps pace as the markets change and your life unfolds. JOHN A. BUSCO 3
My Background Registered Marketing Associate for the Firm, live in Ocean County and have served their clients for over thirty years. They have five children. John A. Busco Senior Vice President Financial Advisor Wealth Advisor John holds the title of Senior Vice President - Wealth Management and Financial Advisor with the Firm. Prior to joining, he worked for UBS Financial Services and Merrill Lynch, where he served as a Branch Manager, First Vice President and Financial Consultant. John currenly holds his Series 3, 7, 8, 63, 65 as well as Life and Health Insurance Licenses. John is also an active member of the Community Associates Institute (CAI). At one time, John played professional baseball with the New York Mets. John now volunteers in the Toms River East Little League organization where he has coached for over 20 years. John and his wife, Vicki, a JOHN A. BUSCO 5
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 I will work just as hard on your behalf, committing my experience and skills to helping you achieve your unique goals for your wealth. Moreover, I will support you and your strategy by accessing the resources and perspective of one of the world s largest financial firms. Before I offer specific advice, however, I must understand who you are and what you want with your wealth to accomplish. Together, we will complete a four-step process: 1 Setting Your Financial Objectives I ll begin our relationship by listening. We will discuss a range of topics related to your financial needs and investment objectives: long-life 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, my 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 a return in line with your risk tolerance and investment time horizon. 3 Implementing Your Plan After we have discussed and refined your strategy, I work closely with you to bring the elements to life. Should we decide that outside money managers are appropriate for you, I will draw on in-depth research and analysis to help you select from the hun- 6 MORGAN STANLEY SMITH BARNEY 204497 01/2012
dreds of investment management firms available to you. If you prefer to invest in individual securities, I can help identify specific stocks, bonds and other securities that may be suitable for your portfolio. Whatever approach we decide on, I will closely monitor your portfolio to help keep your strategy on track. 4 Reviewing Your Performance You will receive a comprehensive 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, I can suggest appropriate adjustments to your portfolio to ensure that it remains aligned with your goals. 7
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. 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. 2012 Morgan Stanley Smith Barney LLC. Member SIPC. 204497 01/2012