Telby T. Turner, CRPC Financial Planning Specialist Financial Advisor
5051 Westheimer Road Suite 2100, Houston, TX 77056 713-966-6831 / MAIN 800-666-6069 / TOLL-FREE 713-966-6808 / FAX fa.smithbarney.com/telbyturner telby.t.turner@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. TELBY T. TURNER 3
My Background A native of Houston, Telby graduated from Baylor University with a B.A. in Business. He currently serves as a committee member on the Houston Baylor Business Network and Co- Chair on the Baylor s Bear to Bear organization. Telby T. Turner, CRPC Financial Planning Specialist Financial Advisor Telby T. Turner, CRPC Financial Planning Specialist Financial Advisor Telby resides in Sugar Land, Texas with his wife Kirstin and their three children. Telby is active in the Sugar Land Coastal Conservation Association, Los Cazadores Hunting and Fishing Club, The Energy Prospectus Group, and also volunteers at River Pointe Church in Richmond, TX. Telby Turner is a 10-year financial professional with Morgan Stanley Smith Barney. He is a Certified Retirement Planning Counselor, Financial Planning Specialist, and a member of the Morgan Stanley Smith Barney Pacesetters Club. Telby takes a personalized and holistic approach to his client s needs and goals, with his practice specializing around retirement and estate planning. His clients are focused in the oil and gas industry, but he works with families and professionals in many industries. TELBY T. TURNER 5
Asset Allocation and Portfolio Planning I will work together using a process that focuses on you and your goals, integrating investment decisions with pressing financial needs and desired aspirations. This process encompasses four steps: 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 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 hundreds 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. 6 MORGAN STANLEY SMITH BARNEY 207613 03/2012
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. 207613 03/2012