The Rooney Blomberg Group at Morgan Stanley Smith Barney. managing your wealth, growing our relationship

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1 The Rooney Blomberg Group at Morgan Stanley Smith Barney managing your wealth, growing our relationship

2 The Rooney Blomberg Group is committed to building long term relationships, providing high quality tailored financial advice and being a trusted source of wealth management for our clients.

3 Our Philosophy We believe that helping clients achieve their financial goals begins with understanding their needs. Only then can we provide the comprehensive guidance that seeks to answer their most fundamental question: Can we attain our goals? To address questions like these, we take a holistic approach to helping them invest and manage their wealth, which means that we focus on all aspects of their financial lives, not just parts of it. We believe that our clients deserve financial advisors who share their vision, earn their trust and work diligently to uncover myriad possible strategies that help them address their aspirations and create a legacy for future generations. Our Commitment Our clients are the foundation of our practice. As such, we are committed to making a meaningful difference in their lives by guiding them to make wellinformed financial decisions, helping them to attain their goals and striving to transcend their expectations. Our dedication to this commitment encompasses providing a high level of client service, both proactively and responsively. Equally important is our attentiveness to anticipating changes and challenges in our clients lives and to helping them be prepared to meet those circumstances as they arise. We endeavor to earn our clients trust, thereby building long-lasting relationships with them and their families. MORGAN STANLEY SMITH BARNEY/3

4 Meet the Professionals JAMES ROONEY Senior Vice President-Wealth Management Portfolio Manager ROBERT BLOMBERG, CHFC Second Vice President-Wealth Management Financial Planning Specialist James has over 20 years experience managing equity and balanced accounts for individuals, corporations and nonprofit organizations. Currently James holds the title of Portfolio Manager (PM) at Smith Barney. Only a select group of Financial Advisors earn this privilege. The PM Group sm was founded in 1979 to provide individual investors with a level of personalized portfolio management typically reserved for major institutions. Portfolio managers are a select group of Financial Advisors who are qualified to independently manage client assets based on training, experience and commitment to service. Before joining Smith Barney, James was a Senior Portfolio Manager at PaineWebber. Prior to working at PW, he was a Financial Consultant at Merrill Lynch in NY. James holds a BA in Business Admin. & Marketing from the New York Institute of Technology. James holds a NASD Series 7, 63, 65, and 66 Licenses. He also holds his Life and Health Insurance Licenses. James, his wife, and 4 sons reside in Simsbury, CT. He is active in his church, coaches youth sports and enjoys golf. Bob has over 25 years of experience in the financial services industry working for the Travelers Life & Annuity Co., a member of Citigroup. Before joining Smith Barney in 2000, Bob was a member of the Senior Management Team of the Travelers Long- Term Health Care Division. While at Travelers, Bob attained the Chartered Financial Consultant designation. The ChFC program includes advanced coverage of estate, retirement, and financial planning applications, catering to the needs of both individuals and small business owners. Bob is also the Smith Barney West Hartford Branch Insurance Coordinator. Bob has been a Chartered Financial ConsultantTM since 1991 and holds an MBA from the University of Connecticut. Bob holds a NASD Series 7, 63, 65, and 66 Licenses. He also holds his Life and Health Insurance Licenses. Bob is married, has three children and resides in Simsbury. He is active in his local church, is a member of the Farmington Valley Symphony and enjoys golf. 4/MORGAN STANLEY SMITH BARNEY

5 GEOFFREY SWANSON Financial Planning Analyst CERTIFIED FINANCIAL PLANNER TM LELA SUBASIC Registered Associate Financial Planning Associate Geoff joined Smith Barney in While at Smith Barney, Geoff attained the designation of CERTIFIED FINANCIAL PLANNER. This designation is awarded to individuals who successfully complete the CFP certification process that includes a series of demanding education, examination, experience and ethical requirements. This program of training and education which is instituted by the Certified Financial Planner Board of Standards Inc. concludes with a challenging exam covering a wide range of topics, including retirement planning, insurance planning, employee benefits planning, income and estate tax planning, and investment planning. Geoff holds a NASD Series 7, 63, 65, and 66 Licenses. He also holds his Life and Health Insurance Licenses. Prior to joining Smith Barney, Geoff earned a BS in Finance with a minor in Economics from Grove City College. Geoff, his wife, and two children reside in Simsbury. He is active in is local church, volunteers mentoring local high school students and enjoys fly-fishing. Lela joined Smith Barney in 2004, after graduating from American University with a bachelor s degree in Finance. While at Smith Barney, she has earned the designation of Financial Planning Associate. This designation is awarded to those who successfully complete Smith Barney s advanced financial planning training program. The training program covers a wide range of topics including Retirement Planning, Education Planning, Income and Estate Tax Planning, Asset Allocation and Net Worth Analysis. Lela also holds a NASD Series 7, 63 and 65 Licenses. Lela lives in Canton and currently volunteers with the Big Brothers Big Sisters Program. She enjoys traveling and spending time with friends and family. MORGAN STANLEY SMITH BARNEY/5

6 The Way We Do Business A successful business is a life s work. Which is why managing your business finances can t be separated from managing your personal finances. That s why we like to begin each new relationship with a review of both your personal and your business financial picture. Because every client is unique, we spend time listening to your story. How you got to where you are today. As well as where you want to be tomorrow. Once we have a thorough understanding of your situation, we can begin to help you manage your wealth, suggesting ways that your personal assets can support your business growth. And ways in which your business can help you to meet your personal goals. 6/MORGAN STANLEY SMITH BARNEY

7 Our process includes the following steps: STEP 1. SETTING YOUR FINANCIAL OBJECTIVES We begin by reviewing your current financial resources, objectives and other circumstances that might influence your investment strategy. We analyze your time horizon and tolerance for risk, as well as any current and potential liabilities. From a business standpoint, we discuss your current financial systems and what you may need to meet the day-to-day or growth demands of your business. STEP 2. DEVELOPING YOUR FINANCIAL- MANAGEMENT STRATEGY Based on your input, our recommendations could encompass such varied disciplines as retirement planning, business succession, debt restructuring and wealth transfer. Your plan also includes a customized asset allocation that helps to identify appropriate diversification strategies. STEP 3. IMPLEMENTING YOUR INVESTMENT PLAN After presenting you with a detailed strategy for your portfolio, we work closely with you to help bring the elements to life. Should we decide that a professionally managed investment approach is appropriate for you, we will access Smith Barney s considerable resources to review the hundreds of investment-management firms competing for your business and select the ones that align with your set of financial objectives. Or perhaps you d prefer individual securities; if so, we can identify specific securities that will be suitable for your portfolio. STEP 4. PROVIDING BUSINESS STRATEGIES Having helped to identify your business challenges and obstacles, we consult with specialists throughout the firm to bring you the services you may need to take your business to the next level. STEP 5. REVIEWING OBJECTIVES AND PERFORMANCE We frequently and systematically review your wealth plan so we can help you adapt to changes in your life. Milestones like marriage, children and grandchildren, buying and selling a home, starting another business or selling your current one, and retirement can all have an effect on your plan and how we can help you to meet your objectives. Of course, we can work with you to evaluate your investment portfolio over time, recommending adjustments as necessary, so that your investment strategy can keep working hard. Diversification does not guarantee a profit or protect against loss. MORGAN STANLEY SMITH BARNEY/7

8 Wealth Management Is Not Just About Finances We all have two futures the one that just happens, and the one we actively shape. The difference is wealth management. It s important to us to manage our clients wealth, not merely their investments. There s a big difference. By taking a wealth management approach, we can help you determine what s really important to you, then develop strategies to help you realize your most cherished hopes. We ll go beyond investment management to look at not just your assets but your liabilities too; not just your account statements but your will and estate plan; and not just the cost of your lifestyle but the risks to it as well. Your comprehensive wealth management plan can address: Income and cash flow: Knowing what you want your money to help you do, and with a similarly thorough understanding of your assets and liabilities, we will map out a course to help you achieve the income you ll need, when you need it. Borrowing: We believe that how you invest and how you borrow are inextricably linked both sides of one balance sheet, one plan. Borrowing strategically, for example, can help fund a large expense, or give you a safety net if you re faced with a surprise layoff or tax bill, so you can spend what you need to spend instead of spending what you need to invest. Asset protection: By understanding the lifestyle you enjoy, and the one you re building toward, we can see the threats against it taxes, inflation, volatility, creditors, lawsuits, identify theft, tragedy and help you deal with them using trusts, insurance, portfolio diversification and other strategies from the arsenal of the world s largest financial services firm. Wealth transfer: We work with you, as well as with your tax and legal experts, to determine how you live, what your lifestyle will require in cash flow, what you want to pass to the next generation and the causes you care about. The result is a comprehensive plan that includes recommendations on trusts and estate planning, charitable giving, business succession and funding for estate taxes. Investment management: We believe that your plan for your life is the most important part of investing. Based on your financial status today, we will calculate the returns necessary to achieve your target and craft an investment program designed to help you reach it. And we ll implement the plan using one of the most powerful and intelligent investment platforms in the world, one that includes extensive research on investments and managers, asset allocation advice, ongoing monitoring and performance reporting. Business strategies: If you own a business, we can offer you a range of financing options and capital structures to support the growth of your business, advise you on your current debt structures and cash management, and help you establish a retirement plan for yourself and employees. When that retirement comes, we ll work with investment experts to help you create an exit plan. We understand that wealth management is not just about resources and capability. It s about 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 Wealth Management Resources Income and cash-flow planning, strategic borrowing, asset protection, wealth transfer, investment analytics Retirement Planning: income and cash flow, 401(k) plans, IRA rollovers Education Planning: education-savings accounts, 529 college-savings plans, custodial accounts Estate Planning: trust structures, lifetime gifts, insurance planning, charitable giving Online Account Access: account information-even on accounts held outside Morgan Stanley Smith Barney-is listed on one page at smithbarney.com Portfolio Management Group: equity, balanced and fixed income portfolios tailored and managed by Financial Advisor; active portfolio management; ongoing monitoring and performance reporting Capital Strategies Group: investment-banking services for closely held and family-owned businesses; services include exit strategies and liquidity solutions, mergers and acquisitions (primarily sell-side), partial exits including recapitalizations; employee stock ownership plans; and capital solutions Business-Succession Planning: buy-sell agreements, family limited partnerships, limited liability companies, grantor retained annuity trusts and other types of wealth transfer Customized asset-allocation advice, extensive investmentadvisor research, automatic rebalancing, ongoing monitoring and performance reporting Investment Advisory Services: delivers customized advice and objective investment recommendations by tapping the extensive work of Morgan Stanley Smith Barney and a variety of key platforms Restructure debt, improve cash flow, facilitate estate planning, pledge collateral to help family members, access capital to operate and expand a business, finance a home Can help protect wealth from creditors and taxes; transfer assets, business holdings and values to future generations Investment Advice: diversification and asset allocation; downside protection and liquidity strategies for concentrated positions Insurance: income protection; wealth transfer strategies; business-continuity strategies; life, disability and long-termcare policies Trust Services: administration, management and distribution of trust assets Philanthropic Services: integrating philanthropy into wealth planning; donor-advised funds, charitable trusts and family foundations Global expertise leads to a wider selection of markets, more-favorable executions and insights into issuers and global trends Business banking and insurance services, working and growth capital, diversification of personal wealth, capitalstructure and exit strategies Retirement Plans: profit-sharing plans, 401(k) plans, savings incentive match plan for employees (SIMPLE IRA), defined-benefit plans, non-qualified deferredcompensation plans, employee stock ownership plans 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

11 Our success is your success. Our commitment to you and your family is to service your financial needs with the highest level of professionalism, honesty and integrity.

12 The Rooney Blomberg Group at Morgan Stanley Smith Barney 433 South Main Street Suite 100 West Hartford, CT TELEPHONE: TOLL-FREE: FACSIMILE: 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.