The Montañez Group at Morgan Stanley Smith Barney. Managing your wealth, growing our relationship

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1 The Montañez Group at Morgan Stanley Smith Barney Managing your wealth, growing our relationship

2 We build relationships with clients on a foundation of trust and confidence. Through our unique personal service, we can help to develop an investment plan for you. MORGAN STANLEY SMITH BARNEY

3 Our Mission Smart planning starts with asking the right questions, as well as understanding your financial needs and goals. Only then will we provide comprehensive wealth management advice and help connect all the pieces of your financial life into a cohesive plan for the future. We build relationships with clients on a foundation of trust and confidence. Through our unique personal service, we can help to develop an investment plan by first discovering what your goals are, e.g., a second house, a business start-up, a child s college education, a plan for your retirement. You don t separate your finances from your life; as your Financial Advisors, we won t either. MORGAN STANLEY SMITH BARNEY/3

4 Meet the Professionals MARIA T. MONTAÑEZ, CIMA Vice President Investment Management Specialist Financial Advisor Ms. Montanez has spent her entire twenty-six year career in the field of finance and money management. She works with clients on portfolio asset allocation, manager selection and monitoring and evaluating portfolio and manager performance. Previously, Ms. Montanez was Vice President Wealth Management with UBS where she was concurrently Coordinator for Mutual Funds and Insurance for the local office. Prior to that, she joined Merrill Lynch in 1985 in Washington DC where she was recognized for her performance and appointed a Vice President in During her eleven years with the firm, she began her specialty in advising diplomats and foreign nationals on the rules and regulations of investing in the United States. In 2007, she joined Smith Barney as Vice President Wealth Management. Her specialty is in asset allocation and portfolio management. Maria has given investment and retirement lectures at prestigious organizations such as The World Bank, the Organization of American States, the Inter American Bank and Intelsat. She believes very strongly in the education of investors to help them take charge of their financial lives. She focuses on servicing the investment management needs of both nonprofit and for-profit institutions and affluent individuals, as well as foreign investors. Ms. Montanez holds a CIMA (Certified Financial Management Analysts) designation which she received after completing the necessary educational program at the Wharton School, University of Pennsylvania, in February of She received her Bachelors of Science in Business Administration from American University in Washington DC. She dedicates her efforts to causes that promote education and leadership for young women. She has served on the Board of Directors of her Alma Matter St. Elizabeth Seton, H.S. with the mission to promote a strong education for young high school women. She is also a very active member and advisor of the Women s Foreign Policy Group. 4/MORGAN STANLEY SMITH BARNEY

5 CLARA I. MONTAÑEZ Vice President Financial Advisor FRANCISCO ANGUITA Financial Advisor Clara joined Morgan Stanley Smith Barney in She started her career as a financial advisor with UBS Financial Services thirteen years ago, and was appointed Vice President of Investments in As part of the Montanez Group, she focuses on fixed income, annuities, insurance, estate planning and in managing accounts for offshore clients. Clara was born in Colombia, grew up in the Washington, DC area and lived for ten years in London, England. She graduated from American University and then received a post-graduate Diploma from the London School of Economics. Outside of the office, Clara is very active in several organizations and Boards. She is a member of the Board of the Washington DC Rotary Club and is an Advisor to the Financial Committee of the Rotary Club Foundation. She is also on the Board of the Young Americas Business Trust. For five years, she was the Alumni leader for the London School of Economics alumni organization in Washington DC and was on the Board of the LSE Alumni Association (AFLSE). She is a proponent of international exchanges and service projects and was co-founder of the Capital Cities Connection and French Connection, both part of the Washington DC Rotary Club. Currently, she is on the organizational committee for the Capital Business Leaders Forum on Service. She is also on the Advisory Committee to COANIQUEM (Burned Children s Foundation of Chile). She has two daughters, Julia and Sophie with whom she shares many of her passions and her joy of traveling. She is a Series 7, 66, and is insurance licensed. He has been in the financial industry for more than 19 years. Francisco worked for Bank of Chile managing branch offices with a broad range of customers and personnel. He transitioned to individual clients 3½ years ago with UBS. He holds a Diploma in Business Administration from the University of Chile and a Bachelor of Business Administration in Business Management from the University of the District of Columbia. Francisco is fullylicensed with a Series 7, 66, and insurance. Francisco and his wife are residents of Virginia and have two sons (Mitchell, 5 and Hutson 3). He enjoys spending time with his family and is involved with Saint Mary s School in the Family in Service programs, which assist the School and the community with charities, fundraising and educational programs. MORGAN STANLEY SMITH BARNEY/5

6 The Way We Do Business Our process is designed to integrate your investment objectives with other pressing financial concerns and desired aspirations by looking at the totality of your life. You can expect that together we will work through the following steps. MORGAN STANLEY SMITH BARNEY

7 1. SETTING YOUR FINANCIAL OBJECTIVES We personally meet with you and help you articulate what you aim to have your wealth accomplish. This intensive dialogue helps us learn about your current and future liabilities, income sources and cash-flow needs. We then discuss circumstances that might influence your overall strategy, including tolerance for risk, tax concerns, liquidity needs and time horizon. Finally, we determine where there might be gaps that stand between you and your goals, and try to find the smart strategies to help you meet those needs. 3. IMPLEMENTING YOUR 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 outside money managers are appropriate for you, we will rely on our research to select from the hundreds of investment-management firms competing for your business. Or perhaps you d prefer individual securities; if so, we can help identify specific stocks, bonds and other securities that may be suitable for your portfolio. Whatever approach we decide on, we will help keep your portfolio on track. 2. CREATING YOUR PLAN Once we have had the chance to discuss your objectives, we develop a financial plan that contains specific recommendations designed to meet those goals. Our recommendations may touch upon issues such as retirement planning, business continuation, tax minimization and wealth transfer. You will also receive a customized asset-allocation plan that helps to identify appropriate diversification strategies. 4. MONITORING YOUR PERFORMANCE As you would expect, we believe that ongoing communication is essential. We do everything necessary to keep on top of your changing financial needs. This means monitoring your portfolio at your request, and when you feel that your circumstances have changed, we will try to make certain that your assets are positioned according to your evolving needs. If necessary, we will recommend adjustments to your strategy to address any alterations to your objectives. Diversification does not guarantee a profit or protect against loss. MORGAN STANLEY SMITH BARNEY/7

8 Our Wealth Management Resources As Financial Advisors at Morgan Stanley Smith Barney, the new global leader in wealth management, we have access to a global platform of resources that enables us to select the products and services that match the diverse financial needs of our clients. Our capabilities include, but are not limited to, the following resources: WEALTH PLANNING Income and cash-flow planning, strategic borrowing, asset protection, wealth transfer 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 INVESTMENT CONSULTING AND MANAGEMENT Customized asset-allocation advice, extensive investment advisor research, automatic rebalancing, ongoing monitoring and performance reporting Investment Advisory Services: delivers customized advice and objective investment recommendations by tapping the extensive work of a variety of key platforms Select Portfolios: a choice of diversified strategies and professional asset-management services delivered in a single portfolio Portfolio Management Group: equity, balanced and fixedincome portfolios tailored and managed by Financial Advisor; active portfolio management; ongoing monitoring and performance reporting Morgan Stanley Smith Barney Advisor: fee-based, non- discretionary investment advisory service through Morgan Stanley Smith Barney Financial Advisor; ongoing asset allocation monitoring BORROWING 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 Home Finance: fixed- and adjustable-rate mortgages for first and second homes, as well as borrowing alternatives that can take advantage of existing home equity Securities-Backed Loans: leverage the value of an investment portfolio to cover just about any personal or business expense big-ticket items, tax obligations, home or business expansion while keeping a long-term strategy intact WEALTH PRESERVATION AND TRANSFER 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 MORGAN STANLEY SMITH BARNEY

9 Insurance: income protection; wealth transfer strategies; business-continuity strategies; life, disability and long-term care 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 CAPITAL MARKETS Global expertise leads to a wider selection of markets, morefavorable executions and insights into issuers and global trends Equity Capital Markets: more than 4,000 stocks traded in the U.S., plus a diversified group of products such as business development companies, block trades, closed-end funds, initial public offerings, follow-on offerings, private equity and special-purpose acquisition companies, and other market trends Equity-Structured Products: innovative equity-linked investment solutions with a wide array of risk-reward profiles and an emphasis on one or more of the following objectives: (i) preserving capital; (ii) generating income; (iii) reducing volatility; and (iv) enhancing diversification Global Fixed Income: U.S. Treasury and agency bonds, corporate bonds, mortgage-backed securities, preferred securities, international bonds, emerging-market debt and specialized services including the Fixed Income High Net Worth Program SM, which includes quarterly and yearly reports BUSINESS OWNER SERVICES Business banking and insurance services, working and growth capital, diversification of personal wealth, capital-structure and exit strategies 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 Borrowing: equipment acquisition and leasing, real estate acquisition and financing, franchise financing Cash Management: deposit/banking services, cash concentration and sweep accounts, lockbox and receivables control, payment strategies, controlled disbursement Retirement Plans: profit-sharing plans, 401(k) plans, savings incentive match plan for employees (SIMPLE IRA), definedbenefit plans, nonqualified deferred-compensation plans, employee stock ownership plans Business-Succession Planning: buy-sell agreements, family limited partnerships, limited liability companies, grantor retained annuity trusts and other types of wealth transfer MORGAN STANLEY SMITH BARNEY/9

10 Investment Policy Statement The cornerstone of our investment philosophy is to preserve capital and to reduce risk, while maximizing returns. It is our goal to provide honest, ethical, objective and independent financial management services. The process begins with a discussion of the client s investments concerns, experiences, sensitivities, and short/ long term goals. An assessment of past objectives and performances will be conducted. The information provided will enable us to assist in developing specific written investment objectives and policies. The next vital decision is allocating assets, by identifying the correct blend of stocks, bonds, cash equivalents and alternative investments. Performance expectations will be set over a full market cycle to help clients achieve results over inflation and after taxes. Portfolio design and execution via openarchitecture platform using stocks, bonds, separate managed accounts, mutual funds, ETFs, and alternative strategies. We will use institutional pricing and premier investment managers. We will work with our clients other advisors (i.e. lawyers, accountants, etc) in order to insure that their investments properly meet the client goals and objectives. We feel that a quarterly review meeting is essential to monitor each client s investment performance and evaluation of the investments. This will also allow us to update changes in our client s objectives or circumstances to make sure our investment process can adjust due to changing situations. Our team approach and focus on each client allows us to cultivate a superior level of rapport and service to our clients.. Diversification does not guarantee a profit or protect against loss. MORGAN STANLEY SMITH BARNEY

11 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. MORGAN STANLEY SMITH BARNEY/11

12 The Montañez Group at Morgan Stanley Smith Barney 1850 K Street N.W., Suite 900 Washington, DC TELEPHONE: TOLL-FREE: FACSIMILE: maria.montanez@mssb.com clara.montanez@mssb.com francisco.anguitaveliz@mssb.com Insurance products are offered through SBHU Life Agency, Inc. Since life insurance is medically underwritten, you should not cancel your current policy until your new policy is in force. A change to your current policy may incur charges, fees and costs. A new policy will require a medical exam. Surrender charges may be imposed and the period of time for which the surrender charges apply may increase with a new policy. You should consult with your own tax advisors regarding your potential tax liability on surrenders. 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 /10