Nicole Dickerson, CRPC. Financial Advisor Chartered Retirement Planning Counselor

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1 Nicole Dickerson, CRPC Financial Advisor Chartered Retirement Planning Counselor

2 335 N. Maple Drive Suite 150 Beverly Hills, CA / MAIN / TOLL-FREE / FAX om/thesunsetgroup/ nicole.dickerson@mssb.com

3 I ve spent my career helping clients of all ages increase their retirement readiness. For younger clients, I typically focus on asset accumulation potential how their 401(k) or other retirement plans are allocated and what else they can be doing to build their retirement nestegg. For clients nearing retirement, I provide a step-by-step process that helps them identify and address issues that they may have overlooked from when they should begin taking Social Security benefits to how they may be able to generate income to support the lifestyle they envision. Once my clients actually do retire, they ll find that I continue to offer them personalized advice, in order to help them meet unforeseen expenses, manage risk and continue to enjoy the retirement they envisioned while we were planning it together. NICOLE DICKERSON 3

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5 My Background during their sunset years, but as part of my business model I convey the importance of financial planning early to help ensure families achieve their investment goals and reduce the risk of outliving their assets. Nicole Dickerson, CRPC Financial Advisor I work with a diverse group of clients, ranging from corporations to high net worth individuals. Through ongoing consultations, I will provide you with the information you need to make educated investment decisions. Together, we will develop, implement, and monitor a customized strategy to meet your goals and objectives. In addition to delivering results for my clients, I am passionate about mentoring high school students and serving the underrepresented population of Santa Monica through Ocean Park Community Center. I sit on the board for St. Anne Catholic School in Santa Monica and I am the Chairperson for Morgan Stanley Smith Barney s diversity council for the Beverly Hills Complex. In my spare time, I enjoy running, snowboarding, and traveling. I began my career with UBS working with high net worth families and moved to Morgan Stanley Smith Barney in Beverly Hills in I received my Bachelor of Science in Management from Purdue University. Helping my clients navigate through the complexities of retirement planning is the cornerstone of my practice. Often retirement planning starts for individuals NICOLE DICKERSON 5

6 Objective, Unbiased Advice You Can Trust Your Best Defense is a Good Offense Companies, like individuals, are unique and may have speciific retirement plan requirements. That is why before helping you develop a retirement program I will meet with you to learn about your company's retirement plan goals and objectives. The assessment process begins with a review of your business needs. I can help you objectively evaluate the effectiveness of your plan in meeting your company's retirement plan goals. Consulting. I will deliver advice across plan design, implementation and ongoing service, and a range of disciplines that address both qualified and non-qualified programs- 401(k)'s, 403(b)'s, 457, ESOP's and cash balance plans. Legislation. Plan sponsors are facing heightened expectations and legal responsibilities in the wake of new Department of Labor regulations. I will help you evaluate the fees you are paying from plan assets and whether they are reasonable and necessary in light of the services provided. We will develop a wellthought-out communication strategy that anticipates and proactively responds to participant questions and concerns before compliance deadlines. Investment Advisory. Together we will choose investments that maximize returns while minimizing risks with an unbiased analysis so you can make prudent decisions. In order to mitigate the burden placed on you as plan fiduciaries we will develop a plan investment policy statement and a comprehensive Fiduciary Governance process that incorporates best practices for plan sponsors. Employee Communications. Together we will create and implement a custom communications program to reach your employees throughout their employment cycle. Your employees will have the ability to take advantage of Morgan Stanley Smith Barney's financial planning services which will help us diagnose pressing financial client needs and develop strategies to meet them. Our 6 MORGAN STANLEY SMITH BARNEY

7 wealth planning services embrace a client-centric/consultative approach for investors by providing ideas and individually tailored solutions that protect loved ones and secure wealth. It takes time to design a plan, educate your employees and comply with your fiduciary responsibilities. Together we can build a retirement program that will include a flexible plan design, high-quality investment options and comprehensive state-ofthe-art plan management. 7

8 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. 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 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 out- 8 MORGAN STANLEY SMITH BARNEY

9 side 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, 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. 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 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 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. Morgan Stanley Smith Barney LLC (Morgan Stanley Smith Barney) is a registered brokerdealer, 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. Asset allocation and diversification do not guarantee a profit or protect against loss Morgan Stanley Smith Barney LLC. Member SIPC /2012 CRC CA Insurance Lice # 0h11665