Philip Segal, CLU, ChFC. Financial Advisor Second Vice President

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1 Philip Segal, CLU, ChFC Financial Advisor Second Vice President

2 3500 Winchester Road Allentown, Pennsylvania / Main / Toll-Free / fax fa.smithbarney.com/phil_segal phil.segal@mssb.com

3 One of the biggest and most pressing questions most individuals face is: What about retirement? My role is to help you answer that question in a way that makes sense for you. I will work with you to explore ways that can help you contribute to a successful retirement: your current assets, the amount you may need to accumulate for the retirement you envision, and the amount of investment risk you are comfortable assuming. The result: You will gain a clear picture of where you are, develop confidence in your retirement strategy, and understand where you may be when retirement arrives. As you approach retirement, I will work with you to plan for the next phase of your financial life. Of special importance, I will help you transition from a focus on accumulation and growth to a strategy designed to generate the income you need to maintain your lifestyle. And in retirement, I will work with you to help you make your assets last and to fulfill your legacy goals. As you can see, successful retirement planning is a lifelong process. At each stage, you can rely on my commitment to helping you make your retirement a success. Philip Segal, CLU, ChFC 3

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5 My Background Philip Segal, CLU, ChFC Financial Advisor Second Vice President I strive to provide concierge level service to a select group of clients and their families. I m committed to being reachable and to return all calls within a reasonable time frame (usually within a few minutes). My aim is to be proactive in contacting my clients when issues arise that might affect them or their families. I also believe in having regular review meetings at times that are convenient for my clients. My services are designed to help you get a clear picture of where you stand by looking at things like: Simplifying your financial life Tax implications of your choices Meeting your retirement income needs Maintaining your lifestyle Passing assets on to your heirs Transparency of all fees and expenses When I began my financial services career in 1977 I made a commitment to being a professional advisor. Since then I have earned the Chartered Life Underwriter (CLU ), Chartered Financial Consultant SM (ChFC ), Chartered Retirement Plans Specialist SM * and Chartered Retirement Planning Counselor SM * designations. *Chartered Retirement Plans Specialist SM, CRPS, Chartered Retirement Planning Counselor SM, and CRPC are registered service marks of the College for Financial Planning. Tax laws are complex and subject to change. Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Smith Barney 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. Individuals are urged to consult their personal tax or legal advisors to understand the tax and related consequences of any actions or investments described herein. Philip Segal, CLU, ChFC 5

6 Asset Allocation and Portfolio Planning I will work with you using a process that focuses on you and your goals, integrating investment decisions with your immediate financial needs and desired aspirations. This process encompasses four steps: 1 Personal review Before I can advise you, I must understand you and your goals. I will guide you through an extensive discovery process to identify your objectives, time horizon, tolerance for risk and other considerations that may play a role in shaping your investment strategy. 2 Asset allocation and portfolio planning Your input drives the development of a personalized financial strategy. Designed to help you meet your specific needs, it addresses areas such as retirement, education expenses, estate planning and tax minimization potential. When my analysis is complete, I will present to you an investment strategy that helps to identify appropriate diversification for your portfolio. 6 Morgan Stanley Smith Barney

7 3 Implementation After I have discussed and refined your strategy, I will work closely with you to bring the elements to life. Should we decide that outside money managers are appropriate for you, I will 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 together, I will help you keep your strategy on track. 4 Ongoing Communications and Reporting I view ongoing communication as the foundation of our successful collaboration with you. I will make every effort to keep abreast of your changing financial needs and provide viable strategies to help you meet them. This means reviewing your portfolio together at your request. When your circumstances change, I will work with you to revise your strategy and reposition your assets to reflect your new needs and goals.

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9 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 with your goals, by combining my insight into your needs with the resources of Morgan Stanley Smith Barney. 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 me for objective strategic advice in structuring your portfolio and for careful analysis of any investments we consider together. Asset allocation Investment management Traditional investments Separately managed accounts Shaping your retirement Together, we can work to make decisions that could help you move 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 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 Philip Segal, CLU, ChFC 9

10 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. 10 Morgan Stanley Smith Barney

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12 Morgan Stanley Smith Barney 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. Asset allocation and diversification do not guarantee a profit or protect against loss. Morgan Stanley Smith Barney LLC ( Morgan Stanley Smith Barney ) is a registered broker-dealer, not a bank. Where appropriate, Morgan Stanley Smith Barney 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 Smith Barney, member SIPC, 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. Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Smith Barney 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. Member SIPC /10