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1 NICHOLAS J. PAGET, CFP, CPM Lead Portfolio Manager Wealth Advisor 1. Discretionary portfolio management 2. Strategic and tactical asset allocation 3. Risk management through hedging & monetization JUSTIN J. CARPENITO, CFP Lead Wealth Planner 1. Wealth planning, estate and philanthropy strategies 2. Stock option strategies and 10b5-1 plans 3. Business exit strategies and liquidity event planning ERWIN S. MA Lead Analyst Registered Associate 1. Portfolio analysis 2. Investment analysis 3. Portfolio manager research NICOLE A. SCHAFER Lead Financial Planner 1. Financial planning including retirement and education 2. Risk management through insurance strategies 3. Debt/liability management strategies KAREN Y. HENDERSON Lead Operations Manager Portfolio Management Associate 1. Operations & account administration 2. Online services liaison 3. Estate settlement TAMMY L. WHITE Lead Service Manager Registered Associate 1. Client on-boarding and communications 2. Cash management and account maintenance 3. Client events and client appreciation Why CFP Certification Matters: Anyone can call use the title "financial planner." However, only those who have fulfilled the certification and renewal requirements of CFP Board can display the CFP certification mark, which represents a high level of competency, ethics, and professionalism. The CFP Board's Standards of Professional Conduct require CFP professionals to always place your interests above their own. 6

2 NICHOLAS J. PAGET, CFP, CPM First Vice President Senior Portfolio Manager Wealth Advisor Nick is the Chief Executive Officer (CEO) and Chief Investment Officer (CIO) of The Puget Sound Group. In his role as CIO, Nick s responsibilities include portfolio construction, risk management, and security trading. Based on assets under management, Nick ranks among the top of all discretionary portfolio asset managers at Morgan Stanley. Nick graduated from the University of Washington with a degree in Economics and a certificate of International Trade. Nick carries the Certified Portfolio Manager (Columbia University) and Certified Financial Planner (City University) designations, and has been advising clients since During his career at Morgan Stanley, Nick has served in a management capacity, as well as mentor/coach to other financial advisors. Nick is a 2013 and 2014 Five Star Wealth Advisor as named by Seattle Magazine. Nick has been a member of Rotary International, served on the University of Washington Career panel, and worked closely with the Portfolio Management Institute as the 2014 Annual Forum Chair, a member of the executive team, and as the newsletter editor. Nick currently is a member of the finance committee for Washington Women in Need. Active since youth, Nick is a black belt in Shotokan Karate, and enjoys golf, skiing, and staying fit. He has been a certified scuba diver since age seventeen.nick also enjoys extensive hikes, which have included parts of the Pacific Crest Trail, as well as summiting Mt. Rainier. In his spare time Nick is passionate about reading, travel, wine, football (Seahawks and Huskies), dogs, and spending time with his wife, Darla, and two daughters, Lola and Adriaan. Nick and his family reside in Issaquah, WA. 7

3 Justin is the Chief Operations Officer (COO) and Chief Financial Officer (CFO) of The Puget Sound Group. In his leadership role as CFO, Justin s responsibilities include the oversight of our advanced planning and professional network relationship management processes. JUSTIN J. CARPENITO, CFP First Vice President Financial Planning Specialist justin.carpenito@morganstanley.com Justin graduated from Seattle Pacific University with a degree in Business Administration and a concentration in Finance, and completed the CFP Certification Professional Education Program through the College for Financial Planning. Justin is a Financial Planning Specialist and carries the Certified Financial Planner TM designation. He has advised families on their wealth since 1999, a period of time which included two of the three worst bear markets in the last 80 years. During his career at Morgan Stanley, he has also served as a Complex Business Development Manager where he consistently ranked among the top of his peers. Justin also served on Morgan Stanley s prestigious National Business Development Council. Justin has been a member of Rotary International, and has served in leading board positions for The Boys & Girls Clubs of The Olympic Peninsula, the Sequim Dungeness Valley Chamber of Commerce, and the Eastside Runners. Justin is an ultramarathon runner who has completed nearly 30 marathon and ultramarathon distance events, including events where he has raised money for charities such as The Leukemia & Lymphoma Society. Justin enjoys playing tennis, reading, and spending time with his wife, Meghan, and three sons, Carson, Landon, and Griffin. Justin and his family reside in Bellevue, WA. 8

4 Nicole is a Financial Planning Specialist for The Puget Sound Group. She is experienced in the creation of comprehensive financial plans, including retirement planning incorporating Social Security and Medicare analysis, education planning, debt/liability management strategies, and risk management through life and long-term care insurance. NICOLE A. SCHAFER Financial Planning Specialist nicole.schafer@morganstanley.com Nicole graduated Cum Laude from Seattle University with a degree in International Business and a minor in Economics, and has pursued Master s level coursework in statistics and marketing. She started in the financial services industry in 2003 as an intern, and worked her way through several different roles including management before ultimately deciding she most enjoys working directly with clients. Nicole enjoys volunteering at local food banks and tutoring organizations, and sits on the board for the Invest in Youth organization. Nicole grew up in North Idaho and is the second oldest of 12 children. Her favorite extra-curricular activities are gaming, enjoying a frosty IPA with friends, and attending shows. She resides with her husband Patric and their two Boston terriers in West Seattle, WA. 9

5 Tammy manages the client communication and service process for The Puget Sound Group. TAMMY L. WHITE Registered Service Associate Tammy graduated from the University of Washington with a degree in Business Administration and a concentration in Finance. She began her career as a Registered Associate and after 2 years moved to Capital Markets, where she spent over 15 years underwriting, trading and managing municipal bond portfolios for clients. Fixed Income is an important allocation for many investors, and Tammy s deep knowledge in this area brings added value to the clients of The Puget Sound Group. Tammy also spent 2 years at one of the nation s largest banks supporting trust and fiduciary services before coming full circle to her current role at Morgan Stanley as a Registered Client Service Associate. It is here where her passion is greatest; helping our clients navigate through any and all administrative and service related issues. Tammy enjoys giving back to her community through Invest In Youth tutoring, volunteering at the Seattle Animal Shelter, and helping serve meals at a local soup kitchen. She has also served on the board of Northwest Adoption Exchange. Tammy enjoys watching Seahawks football, cooking, travel, and practicing yoga. Tammy resides in the Wallingford neighborhood of Seattle with her significant other where they enjoy walking Greenlake and discovering new restaurants. 10

6 Karen is the Operations Manager for The Puget Sound Group. Her depth of experience with internal systems and processes as well as industry rules and regulations make her exceptional in account maintenance and processing. Karen is well-versed in handling day-to-day client needs, as well as complicated issues surrounding trusts and estates. KAREN Y. HENDERSON Portfolio Associate Karen graduated from the University of Washington with a degree in Sociology. She is a Portfolio Associate, which is a title provided to Senior CSAs who have shown outstanding achievement and excellence. In a leadership capacity, Karen has acted as a coach to her peers, and is a Notary Public for clients of the Seattle office. She has been in financial services since Karen is an active supporter of the local YWCA and Fred Hutchinson Cancer Research, and volunteers on an Alpaca ranch. Karen enjoys following the hydroplane circuit, Seahawks football, Huskies football, skiing, hiking, wine tasting, and spending time with friends and family. She resides with her husband, Rob, and cat in the Ravenna neighborhood of Seattle, WA. 11

7 Erwin has provided support and analysis in the financial services industry since 2003, starting with financial planning before moving on to operations and ultimately investment analysis. He serves clients of The Puget Sound Group by assisting in security selection and portfolio construction. In addition, he also handles operations for the group s equity syndicate business. ERWIN S. MA Registered Service Associate erwin.ma@morganstanley.com Erwin graduated from the Kelley School of Business at Indiana University with a Master of Science in Finance, and also completed a program on Chinese Business at the Peking University School of Economics Beijing. He holds a Bachelor of Science in Economics, with certificates in Quantitative Managerial Economics and International Economics. In an effort to increase his skills in financial analysis, he has completed significant coursework in accounting, and is a Level II candidate for the Chartered Financial Analyst (CFA) designation. Erwin regularly contributes to the Seattle-based Child s Play charity, which provides toys and games to children s hospitals worldwide. He also donates funds and supplies to underserved students in western Washington. Erwin is very involved with his extended family, particularly for razor clam digging and salmon fishing near the Columbia River. He enjoys reading, following the NBA, watching esports, and trying new restaurants in the Seattle area. 12