The NorthStar Group at Morgan Stanley. We Will Help You Chart Your Course

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1 The NorthStar Group at Morgan Stanley We Will Help You Chart Your Course

2 60 East South Temple Suite 2000, Salt Lake City, UT / MAIN / TOLL-FREE / FAX

3 The NorthStar Group at Morgan Stanley Working with a Team is Important Coming together is a beginning. Keeping together is progress. Working together is success. -Henry Ford Teamwork is the ability to work together toward a common vision, the ability to direct individual accomplishments toward organizational objectives; it is the fuel that allows common people to attain uncommon results. - Andrew Carnegie None of us is as smart as all of us - Ken Blanchard The way a team plays as a whole determines its success. You may have the greatest bunch of individual stars in the world, but if they don t play together the club won t be worth a dime -Babe Ruth THE NORTHSTAR GROUP 3

4 Meet the Professionals Brian Bevan, CFP Portfolio Manager Financial Advisor Brian, Sharon, Steve, Bart Brian Bevan is a CERTIFIED FINANCIAL PLANNER and has his portfolio manager designation. Beyond putting his clients money to work for them, he wants every client to be prepared for the inevitable time when something unexpected happens in life. He strives to prepare them, their spouse/partner, kids, family, and business for those financially important life events. 4 MORGAN STANLEY

5 Sharon Stout Portfolio Manager Financial Advisor Sharon Stout s 15 years of industry experience gives her insight and temperance that only comes from time in the trenches. Because of her eye for detail, her strengths include utilization of current technology and tools for financial planning, portfolio stress testing, portfolio evaluation, and portfolio analysis. She has her portfolio manager designation. The most important elements she provides to her clients are enthusiasm, empathy, compassion, and energy; because she truly cares about each of her clients personally. Steve Yaworsky Financial Advisor Steve Yaworsky is a life-long devotee of the financial industry and its markets. He graduated with a BS in Economics from the University of Utah. He then began his career on the floor of the Chicago Mercantile Exchange. This gives him strong experience and insight into the important commodities and options arenas. This experience is combined with his tenure as a licensed insurance professional in Park City, Utah. Working with the builder/developer and realtor community for over a decade gives him a perspective that rounds out the team dynamic. Bart HIner Portfolio Manager Financial Advisor Bart Hiner has a true passion for creating and monitoring portfolios. He believes that investor s assets should be diversified, as do most financial advisors. One difference that Bart brings to his investment strategy is that he does not believe in diversification to the point of dilution, or for the sake of diversification alone. Bart likes portfolios to be defensive, tactical, and opportunistic. THE NORTHSTAR GROUP 5

6 On a Personal Note A Little More About Us Brian Bevan- I moved back to Utah in 2003 after living out of the country and then working in a position where I was able to travel extensively across the US. I spend a good deal of my free time with my wife and two young boys. As a family, we enjoy all things outdoors; sports, camping, river rafting, biking and skiing. I also volunteer time fundraising for Utah s Hogle Zoo and ski patrol at Park City Mountain Resort. The center of my wealth management efforts revolve around working with business owners and executives. As result of many years working with clients across the country and being a native of Utah, I have a keen understanding of the needs of Utah businesses. My expertise encompasses the many facets of business, from cash management to succession planning. My network of professional contacts allows for client mutually beneficial introductions. Clients currently utilize me as a trusted resource. I strongly affirm financial success comes from marrying professional and personal financial goals. Sharon Stout- I don t like leaving important things to chance, in my personal life and in my professional life. Everyone who knows me, knows I really like to plan ahead and pay attention to the details. I moved to Park City, Utah from Maryland in Even though it has been almost ten years I still wake up feeling lucky to live in this beautiful place. When I am not playing in the mountains I like to play in the water. The most important people in the whole world are my family. They are the precious jewels in my life. We are a close family who enjoy spending time together. Holidays are big in my life. I am an avid and enthusiastic celebrator of festive occasions. I am originally from Germany and have retained dual citizenship but call America home. We don t plan to fail; only sometimes we fail to plan. As a member of The NorthStar Group at Morgan Stanley Smith Barney, I will work hard for you to help you prepare financially for the events that are important to you. 6 MORGAN STANLEY

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8 On a Personal Note A Little More About Us Steve Yaworsky- Life is all about transitions. I was born and raised near Toronto, but grew up in Utah. After graduating from the University of Utah, I headed to Chicago and the life of a commodities broker. But the climate drew me back, along with the lifestyle and opportunity for my family here. And now as my children grow up, and parents retire, I want to make sure that all of our changing needs will be met. If you need advice on how to master the transitions in your life, contact me. My office is conveniently perched overlooking the newly transformed City Creek Center in downtown Salt Lake City. Bart Hiner- My personal belief about life in general or when I work investing assets is that a good defense is your best offense. I was born and raised in Arizona, I moved to Utah in 1992 where I met a wonderful girl who later became my wife. I began my career here in Utah and later we started our family. We have three children, two daughters and one son. Much of our family time now revolves around our active family and their competitive sports schedule. As a family we also enjoy camping and boating, especially on Lake Powell. I have always been an avid follower of markets and really enjoy investing. I am a lucky man, and have found a way to harness my passion for investing into my career. Managing and growing portfolios is what I enjoy doing above all else. Being a member of The NorthStar Group at Morgan Stanley Smith Barney, allows each of us to work together in a spirit of collaboration utilizing each of our strengths for the benefit of our clients. 8 MORGAN STANLEY

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10 Life is a Wonderful and Complex Journey It is Nice to Have a Guide Along the Way The beauty of our world is that we are all different; the destinations we want to travel to are as varied as the mode of transportation we choose to get us there. Some of us want to meander to our destinations, stopping to smell each flower along the path, while others of us want to take a supersonic jet and just be there already. As long as we understand what we are gaining and giving up by our choices, there is no right or wrong way of navigating through our lives. No matter how you feel most comfortable getting there, or where your destinations may lie, the members of The NorthStar Group at Morgan Stanley take seriously our part in helping you chart your financial course towards realizing your financial goals. We will work with you to identify where you want to go, be it retirement, higher education planning, business succession, leaving a legacy, or something else altogether. We will then explore with you, the different modes of getting you there; including the risks and rewards associated with each of those options. 10 MORGAN STANLEY

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12 Why the NorthStar Group? As financial advisors we have come together to create a group that is more than just the sum of its parts. By combining all of our individual strengths and passions, our clients have the benefits of four distinctly different perspectives united for the singular purpose of seeking to identify and reach their goals. In today s complex economic environment, it is more important than ever to have more than one set of eyes helping to watch over your investments. 12 MORGAN STANLEY

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14 Our Mission Statement: As a team, we work together to chart a course to assist our clients in realizing their financial goals and objectives. 14 MORGAN STANLEY

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16 Morgan Stanley Financial Advisors do not provide tax or legal advice. This material was not intended or written to be used for the purpose of avoiding tax penalties that may be imposed on the taxpayer. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters. Morgan Stanley Smith Barney LLC offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please contact us to understand these differences. has entered into arrangements with banks and other third parties to assist in offering certain banking-related products and services. Unless otherwise specifically disclosed to you in writing, investments and services offered through Morgan Stanley are not insured by the FDIC, are not deposits or other obligations of, or guaranteed by, banks and involve investment risks, including possible loss of principal amount invested. Asset allocation and diversification do not guarantee a profit or protect against loss. Morgan Stanley Smith Barney LLC is a registered brokerdealer, not a bank. Where appropriate, Morgan Stanley Smith Barney LLC 2012 Morgan Stanley Smith Barney LLC. Member SIPC /2012 CRC