Bruce R. Butler, CFP Executive Financial Services Director Senior Vice President - Wealth Management

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1 Bruce R. Butler, CFP Executive Financial Services Director Senior Vice President - Wealth Management

2 227 West Monroe Street Suite 3400, Chicago, IL / MAIN / TOLL-FREE / FAX bruce.r.butler@morganstanley.com

3 Bruce R. Butler, CFP Executive Financial Services Director Senior Vice President - Wealth Management As the financial world becomes more complex and investment choices multiply, careful planning becomes ever more important to helping you achieve your financial goals. As your Financial Advisor, my role is to work with you to help you develop a plan that lays out a clear path to your goals a plan developed in collaboration with you, and one that you can follow with confidence in the face of the market s ups and downs. Together, we 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 we discuss will become the foundation for a financial and investment strategy based on who you are and where you want to go. Only then will we 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, we will revise your plan to reflect new aspirations and priorities, helping your plan keep pace as the markets change and your life unfolds. BRUCE R. BUTLER 3

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5 My Background Bruce R. Butler, CFP Executive Financial Services Director Senior Vice President - Wealth Management As a CERTIFIED FINANCIAL PLANNER and fully licensed investment professional for more than 22 years, Bruce focuses on the small details that ultimately comprise the big picture of each client s financial life. His analytical skills and positive personality give Bruce the insight needed to formulate sound financial plans for his clients. Bruce believes that building strong long-term relationships is a key element of achieving a client s long-term financial goals. Through relationships comes a true understanding of the client s investment objectives and risk tolerance. Furthermore, clients must feel comfortable with the professionals they entrust. Just as a patient must have comfort with his or her physician with regard to physical well-being, there must be a comfort level between Financial Advisor and client since the client s financial well-being is at stake. Both are equally important and maintained through relationships. Bruce is a graduate of Northern Illinois University, where he earned a Bachelor of Science degree in Engineering and a Master of Business Administration degree from the University of Dallas where he was designated a member of the Sigma Iota Epsilon honors fraternity. Bruce continued honing his financial planning competency by pursuing the rigorous and highly respected designation of CERTIFIED FINANCIAL PLANNER. Bruce is an active member of his community; he currently serves as trustee on the board of a local Charitable Foundation focused on benefiting civic and other charitable causes with an emphasis toward helping children. He is a member of the National Financial Planning Association and the Financial Planning Association of Illinois. A husband and father of three children, Bruce can be found in his gym every morning at five am working to stay physically fit while catching up on world events. Besides spending quality time with his family, Bruce enjoys the time he spends playing drums with his band and performing at area summertime festivals and local establishments. BRUCE R. BUTLER 5

6 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. 6 Before I offer specific advice, however, I must understand who you are and what you want your wealth to accomplish. Working with you, I will complete a four-step process: 1 Setting your financial objectives I will begin our relationship by listening discussing a range of topics related to your financial needs and investment objectives: long-term life goals and expectations, possible major purchases, and legacy and charitable goals, if you have them. I 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, I also MORGAN STANLEY 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 your financial goals in light of your risk tolerance and investment time horizon. 3 Implementing your strategy After I have discussed and refined your strategy, I will work closely with you to bring the elements to life. Should we decide together 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 help you keep your strategy on track. 4 Reviewing your performance You will receive a quarterly review that outlines your portfolio s performance, helping you track progress toward your objectives. Moreover,

7 when your personal situation or market conditions change significantly, I can suggest appropriate adjustments to your portfolio to help it remain aligned with your goals.

8 For Life's Most Important Goals With an experienced professional and the right resources, reaching your most important goals can be less challenging and more rewarding. I am ready to help you meet your goals, by combining my insight into your needs with the resources of Morgan Stanley. Setting a confident course Thorough, thoughtful planning planning that analyzes where you are as well as where you want to go is the most important step in establishing a path to your goals. I will work with you to explore and define your objectives and needs, and then structure a plan that is uniquely your own. Retirement planning Education planning Estate planning Multigenerational planning Insurance Managing the rewards of success Managing an investment portfolio should be a consultative, disciplined process that balances your attitudes and goals as an investor with careful analysis of the financial markets and the risks and opportunities they hold for you. You can rely on us for objective strategic advice in structuring your portfolio and for careful analysis of any investments we consider together. Asset allocation Investment management Separately managed accounts Shaping your retirement Together, we can work to make decisions that could help you move

9 toward the retirement you expect. Whether you are building retirement wealth or making the transition to generating income from your assets, I can help you develop and implement a strategy based on your vision of retirement. IRAs: - Traditional - Roth IRA rollovers Roth conversions Building a unique legacy Estate planning typically brings together the dimensions of life: personal, family, financial and charitable. I will work with you to understand the connections between your life and legacy goals, and work with your accountant and attorney to help you develop a strategy to position your portfolio appropriately. Educating new generations Helping to meet the education costs of children and grandchildren may be one of the most attractive and personally fulfilling investment opportunities available to you. I can help you access appropriate investment vehicles 529 plans and custodial accounts. Giving back through philanthropy Many successful individuals seek opportunities to support cultural and educational institutions, and nonprofit organizations and activities. Properly undertaken, charitable giving can provide planning flexibility and benefits for you. I can help you analyze and implement a strategy that rewards you while it benefits causes you care about. Family foundations Strengthening your business The links between business ownership and personal wealth are many and complex. Whether your objective is to grow your business, realize its value through a succession strategy or sale, or maintain family ownership by the next generation, we can examine your alternatives in light of both business and personal objectives. And, should circumstance require it, we can use the access to banking services of Morgan Stanley. Cash management Retirement plans Protecting your wealth Insurance can play a critical role in virtually any comprehensive financial strategy, helping you to protect the value of your assets, protect your income and your family s financial security even perform important functions in a business succession or estate plan. I can help you analyze your current insurance portfolio and work to update your coverages to fulfill personal and strategic goals. Life and disability income insurance Life insurance trusts Key-person insurance Meeting current liquidity and banking needs Managing personal cash and securing liquidity for personal needs and opportunities are the day-to-day aspects of implementing a financial strategy. I can help you meet your personal cash management and borrowing needs while thinking strategically about how approaches may affect current and longterm costs and taxes. Home finance Lending services Securities-backed loans BRUCE R. BUTLER 9

10 Morgan Stanley 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 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. 10 MORGAN STANLEY

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12 Certified Financial Planner Board of Standards Inc. owns the certification marks CFP, CERTIFIED FINANCIAL PLANNER and federally registered CFP (with flame design) in the U.S.,which it awards to individuals who successfully complete CFP Board s initial and ongoing certification requirements. 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 Morgan Stanley Smith Barney LLC. Member SIPC /2014 CRC