The Scott Group at Morgan Stanley Smith Barney

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1 The Scott Group at Morgan Stanley Smith Barney

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3 Our Mission We are wealth management advisors and consultants assisting our clients in planning and implementing a diverse range of financial planning strategies. We seek long term client relationships, built upon the highest degree of trust, professionalism and integrity. We are distinct in our ability to orchestrate a variety of strategies to benefit our clients. We are committed to providing wealth management counsel that exceeds our client s expectations. Our Vision At The Scott Group at Morgan Stanley Smith Barney we recognize that wealth raises many complex personal and financial issues. For our clients and their families, we offer a broad array of services that help simplify the complicated. First and foremost, we offer our Group as the focal point for their short term and long term wealth planning needs. We want our clients to think of us as their primary resource from which they can plan their future, manage their cash flow, secure investment advice and orchestrate a variety of financial planning strategies. We want to be the conduit through which our clients can execute strategies to accomplish their financial mission. MORGAN STANLEY SMITH BARNEY/3

4 Meet the Professionals David R. Scott Senior Vice President Wealth Management Senior Investment Management Consultant Senior Portfolio Manager Mr. Scott is a Senior Vice President at Morgan Stanley Smith Barney and is among a relatively small group of advisors within the firm to be designated as Senior Investment Management Consultant. He has extensive knowledge in financial and investment planning with a particular emphasis on wealth management, asset allocation and portfolio management strategies. His experience in the investment management business exceeds 30 years. With a broad range of institutional and individual clients located throughout the United States, Mr. Scott serves in an advisory role, assisting clients in implementing wealth accumulation and preservation strategies and selecting appropriate asset management disciplines. His clients include high-net-worth individuals, endowments and foundations, and corporate retirement plans throughout the country. Mr. Scott holds a Bachelor of Science degree in Business Administration from Butler University and is a graduate of the Wharton School of Business Securities Investment Institute. Mr. Scott has been active in the community and has served on the Boards of a number of charitable organizations. He and his wife have two children and reside in Del Mar, California. 4/MORGAN STANLEY SMITH BARNEY

5 Darren A. Pfefferman, CIMA First Vice President Wealth Management Senior Portfolio Manager Mr. Pfefferman is a First Vice President- Wealth Management and Senior Investment Management Specialist with Morgan Stanley Smith Barney. He has been providing comprehensive wealth planning and investment strategies for corporate executives, high-net-worth individuals, family offices and institutional foundations since joining Morgan Stanley Smith Barney in Mr. Pfefferman is a Senior Portfolio Manager with Morgan Stanley Smith Barney s Portfolio Management Group. He consults with his clients on developing asset and liability management strategies tailored to meet their goals and objectives. Mr. Pfefferman has extensive knowledge and experience in modern portfolio theory and the applications of investment advisory methods and disciplines. He is an active member of the Investment Management Consultants Association. Mr. Pfefferman holds a Bachelor of Science Degree in Finance from San Diego State University and is a graduate of the Wharton School of Business Investment Management Analyst Program at the University of Pennsylvania, where he earned the designation of Certified Investment Management Analyst. He and his wife have two children and reside in San Diego, California. Brad W. Daluiso Second Vice President Wealth Management Financial Planning Specialist Financial Advisor Mr. Daluiso is a Second Vice President Wealth Management and Financial Planning Specialist with The Scott Group at Morgan Stanley Smith Barney. He assists clients in the design, development and implementation of strategies to accomplish their investment objectives and goals. Mr. Daluiso works with a diverse group of clients including professional athletes, entertainers and business owners, as well as high-networth individuals, trusts and retirement plans. Prior to joining Morgan Stanley Smith Barney in 2002, he was formerly with the New York Giants professional football organization and is the Giants all-time most accurate kicker and second all-time leading scorer. He was the recipient of the NFL s prestigious Ed Block Courage Award, recognizing exemplary team leadership, courage and community service. Mr. Daluiso attended UCLA and holds a Bachelor of Arts Degree from Fairleigh Dickinson University. He is a member of the Century Club of San Diego, a nonprofit corporation organized for the purpose of administrating and promoting San Diego s annual PGA Tour event. He is also the founder of the Brad Daluiso Golf Classic, which raises money for Grossmont College. He and his wife have three children and reside in Carmel Valley, California. Bernard S. Blotner Senior Vice President Wealth Management Corporate Client Group Director Mr. Blotner is a Senior Vice President-Wealth Management and Corporate Client Group Director with Morgan Stanley Smith Barney. He has been associated with Morgan Stanley Smith Barney since 1983, having originally with E.F. Hutton & Company. Since 1988, Mr. Blotner has focused on serving the investment needs of highnet-worth individuals and corporations, specifically in relation to stock option plans, stock purchase plans, control and restricted securities and Rule 144 transactions. Mr. Blotner graduated cum laude from Boston College with a Bachelor of Arts degree and received his Master of Arts degree from San Diego State University. He is a member of the National Association of Stock Plan Professionals (NASPP). Mr. Blotner has been involved with several not for profit organizations in the community. He has lived in San Diego since 1972 and is married with two children. MORGAN STANLEY SMITH BARNEY/5

6 Nicole Rodriguez Consulting Group Analyst Financial Planning Analyst As a Consulting Group Analyst, Ms. Rodriguez is responsible for providing investment research, analytics and performance measurement within the framework of client financial planning. She is a graduate of San Diego State University and earned her Bachelor of Science in Applied Mathematics with an emphasis in Mathematical Finance. Christina H. Wise Registered Client Service Associate Ms. Wise has been in the investment business for 9 years and is highly experienced in the process and protocols of the administration and operations of client accounts. She is a life-long resident of San Diego and graduated from National University with a Bachelor of Arts in Psychology. Morgan W. Elliott Registered Client Service Associate Consulting Group Analyst Financial Planning Specialist Mr. Elliott began his tenure in the investment business as an intern for The Scott Group at Morgan Stanley Smith Barney while attending San Diego State University. He is proficient in many of the technological applications and resources relative to investment analysis, forecasting, asset allocation, modeling and investment research. He is a life-long resident of San Diego. 6/MORGAN STANLEY SMITH BARNEY

7 The Way We Do Business 1. OUR CLIENTS As wealth increases, affluent individuals seek greater simplicity, customized strategies and best-in-class services all from a trusted advisory relationship. The Scott Group at Morgan Stanley Smith Barney recognizes these distinct requirements and provides specific services to accomplish our clients financial priorities. 2. OUR CONSULTANTS Each consultant/advisor within The Scott Group has comprehensive academic and professional training in a variety of wealth planning areas. By combining these resources, we are able to apply different disciplines to accomplish client objectives, goals and missions. Working as a cohesive unit to think tank strategies, we take advantage of insights and experiences of those within our group to help our clients execute their customized financial plans. 3. OUR PROCESS The advantage to our clients lies in the strength of our experience as well as our dedication to the issue of keeping the clients goals and objectives as the defining issue in providing advice. It is the clients objectives that drive our agenda. Our focus concentrates on advising them relative to their specific goals and resources. We are a dedicated team providing concentrated and individualized support and resources to you and your family; have access to the most sophisticated planning and financial tools to execute the client strategies; expedite administration and service requests quickly, responsively and seamlessly; and provide complimentary account service enhancements to ease your daily wealth management requirements Understanding Personal and Financial Goals In working with high-net-worth clients, it is critical that we understand as much as we can about our clients, their issues, concerns, goals and objectives. Since personal, professional and financial issues are generally interrelated, a thorough understanding of these life issues is a major consideration. Building the Proper Strategy Based upon the client s goals, resources, biases, time horizon, we begin to construct financial planning models, using various protocols and assumptions. These scenarios or constructs are presented to the client and modified or amended accordingly. This in-depth understanding helps us target our recommendations to fulfill specific goals and needs. Implementing the Overall Plan We believe our clients financial objectives should be quantified in a written statement of goals and objectives. This mission statement documents the clients goals and the methods that will be employed to implement and execute the overall strategy. We also believe that regular ongoing communication with our clients is critical in the process of measuring results relative to objectives. Make preparations in advance. You never have trouble if you are prepared for it. - Theodore Roosevelt MORGAN STANLEY SMITH BARNEY/7

8 Wealth Management Is Not Just About Finances It s about your trusted advisor understanding your relationship to finances, knowing what you would like to accomplish with your affluence and helping you to manage all the complex issues raised by your substantial wealth. We can help simplify those complications by helping to improve the overall risk/reward characteristics of your portfolio through diversification and customized investment strategies. Whether it s reducing capital gains or income taxes or handling unique assets or factors that influence your situation, Morgan Stanley Smith Barney s vast experience is there to help. With our perspective and insight, we can assist you in identifying those opportunities that best serve you and your family. For most of our clients, their family comes before everything else. Therefore, providing for current and future generations requires a thoughtful yet practical approach. Morgan Stanley Smith Barney has dedicated wealth planning specialists who can provide tax-advantaged strategies to help you protect income as well as preserve and transfer wealth. Our specialists will work in unison with your existing advisors, attorneys or accountants to help you achieve your multifaceted goals. What s more, family-owned businesses require even more highly specialized planning because they integrate family issues with the complexities of running a business. Succession planning, business continuation issues and sophisticated insurance structures are examples of what needs to be considered. No matter the size of the organization, or the complexity of its needs, Morgan Stanley Smith Barney can provide the kind of thinking and resources to tailor an optimal strategy for you. Beyond family and business, the accumulation of wealth quite often creates a desire to share it, to give back, often through contributions of time or resources to schools and organizations, or by establishing a foundation. More individuals are taking the lead or an active role in developing and sponsoring philanthropic initiatives. We feel that philanthropy is a meaningful investment strategy that should also play a part in your total financial plan. We understand that wealth planning is not just about resources and capability. It s how we use those resources with creativity, innovation and flexibility. The simple truth is you have a lot more to manage than just your wealth. 8/MORGAN STANLEY SMITH BARNEY

9 Our Wealth Management Resources financial Planning Comprehensive Financial Planning Services Net Worth and Asset Allocation Analyses Retirement Planning: Traditional IRAs, Roth IRAs, Qualified Plans, Company Retirement Plan Rollovers Education Planning: Education Saving Accounts, 529 College Savings Plans, Custodial Accounts Liquidity and Cash Flow Strategies Wealth Planning Wealth Transfer and Wealth Preservation Estate Planning: Liquidity Management, Risk Management Management of Concentrated Asset Positions Asset Management Consulting Group (access to top professional money managers) Portfolio Management Group Business Services Retirement Plans: 401(k), Profit Sharing, Pension, SEP Executive Financial Services Stock Plan Services Deferred Compensation Plans Bank Services Financial Management Account: Check Writing, ATM, Electronic Bill Payment, Travel and Rewards Program, Morgan Stanley Smith Barney Access Lending Securities Common Stock and Preferred Securities Bonds (Government, Corporate and Tax-Exempt Municipals) FDIC-Insured Certificates of Deposits (CDs) MORGAN STANLEY SMITH BARNEY/9

10 The Morgan Stanley Smith Barney Advantage Our approach is simple. We want to know as much as we can about our clients, so we re in the best possible position to help them. And that doesn t mean we just want to know about their finances. True, we have to understand what your assets and liabilities are, and how your portfolio is structured. But the more important information has to do with your goals for yourself and your family, your feelings about where you are and where you hope to be and, of course, your fears, and the things that might prevent you from getting what you want. Because everyone is different, we tailor our recommendations for each client s unique set of goals and challenges. Maybe you want to retire at 55 and start a new business. Maybe you want to be able to pay both college tuition for your child and nursing home care for your mother. Maybe you re in the middle of a divorce and you want to ensure your children s inheritance doesn t go to the future spouse of your ex. This in-depth knowledge of you, combined with our in-depth knowledge of planning and investing, will help us create strategies aimed at trying to achieve the things you really want. And we have the freedom and the good fortune to implement those strategies using the products, services and skills of a large financial services firm. It s time to throw out your notions of what you can talk about with us. We look forward to the conversation. 10/MORGAN STANLEY SMITH BARNEY

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12 The Scott Group at Morgan Stanley Smith Barney 4350 La Jolla Village Drive, Suite 1000 San Diego, CA Telephone: Toll-Free: Facsimile: fa.smithbarney.com/scottgroupsb David R. Scott TELEPHONE: Darren A. Pfefferman TELEPHONE: Brad W. Daluiso TELEPHONE: Nicole R. Rodriguez TELEPHONE: Christina H. Wise TELEPHONE: Morgan W. Elliott TELEPHONE: 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 Morgan Stanley Smith Barney LLC. Member SIPC /09