Jason M. Judge. Financial Planning Specialist Vice President - Wealth Management Financial Advisor

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1 Jason M. Judge Financial Planning Specialist Vice President - Wealth Management Financial Advisor

2 13625 California Street Suite 400, Omaha, NE / MAIN / TOLL-FREE / FAX jason.m.judge@mssb.com

3 Jason M. Judge Financial Planning Specialist Vice President - Wealth Management Financial Advisor 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. JASON M. JUDGE 3

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5 My Background Jason M. Judge Financial Planning Specialist Vice President - Wealth Management Financial Advisor As a Vice President Wealth Management and Financial Planning Specialist, I seek to design and implement comprehensive financial management strategies for clients and their succeeding generations. In accordance with my training as a CPA before arriving at Morgan Stanley Smith Barney (or predecessor companies) in 1993, the emphasis throughout the process is on proper asset allocation, risk minimization, and taxefficient strategies. To provide a full complement of services, I am also able to consult with clients regarding liability management (lending), alternative investments such as commodities and hedge funds, and comprehensive insurance needs. My focus is on fee-based asset management as I believe this manner of compensation best aligns the interest of all parties involved. I am able to leverage the vast resources of Morgan Stanley Smith Barney and the abundance of nonproprietary sources of information made available to help clients create financial strategies that will move them closer to their most important life goals. I am a financial advisor to people who are serious with regard to their investments and who are willing to accept assistance from a professional who will listen to their needs and then help them formulate a plan. Many of my clients are entrepreneurs, professionals, and retirees who seek guidance in implementing a solid, sensible, well-balanced plan. With this plan in place, these individuals are able to then spend the majority of their time pursuing their most fulfilling and meaningful passions in life. Because the financial services industry is so dynamic, I am committed to continuing education and am constantly striving to improve my skill set. I believe this is one quality that sets me apart and was recently named one of the Premier Wealth Advisors in Nebraska as selected by NABCAP (National Association of Board-Certified Advisory Practices) and published in the Omaha Magazine and B2B. I have lived in Omaha since 1987, attending Creighton University and graduating Magna Cum Laude with a Bachelor of Science in Business Administration degree majoring in Accounting and Finance. I was a member of Creighton s 1991 College World Series baseball team and stay active with the University as a member of various alumni support groups. In my spare time, I enjoy coaching my sons various youth athletic teams, participating in local 10k and half marathon events, and playing golf. I have been married to my wife, Kerry since 1992 and have two sons, Adam and Kyle. JASON M. JUDGE 5

6 For life's most important goals With an experienced partner and the right resources, reaching your most important goals can be less challenging and more rewarding. We are ready to make your goals our own, combining our insight into your needs with the resources and financial depth of Morgan Stanley Smith Barney. Setting a confident course Thorough, thoughtful planning planning that analyzes where you are as well as where you want to go is the most important step in establishing a path to your goals. We will work with you to explore and define your objectives and needs, and then structure a plan that is uniquely your own. l Balance sheet analysis l Retirement planning l Education planning l Estate planning l Multigenerational planning 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 us for objective strategic advice in structuring your portfolio and for careful analysis of any investments we consider together. l Asset allocation advice l Investment advisor analysis and monitoring l Traditional investments l Alternative investments l Structured investments l Separately managed accounts

7 Shaping your retirement Together we can work to make sound decisions that move you toward the retirement you expect. Whether you are building retirement wealth or making the transition to generating income from your assets, we can help you develop and implement a strategy based on your vision of retirement. l IRAs: l Traditional l Roth l Inherited l IRA rollovers l Roth conversions l Annuities Building a unique legacy Estate planning typically brings together all the dimensions of life: personal, family, financial and charitable. We will work with you to understand the connections between your life and legacy goals, work with your accountant and attorney to develop an integrated plan, and appropriately position and manage your portfolio. And, if your plan involves one or multiple trusts, we can serve as your link to skilled, comprehensive fiduciary capabilities. Educating new generations Helping to meet the education costs of children and grandchildren may be one of the most attractive and personally fulfilling investment opportunities available to you. We can help you access and manage appropriate investment vehicles 529 plans, UGMA and UTMA approaches that may lead to potential financial benefits of your own. Giving back through philanthropy Many successful individuals seek opportunities to support cultural and educational institutions, and nonprofit organizations and activities. Properly undertaken, charitable giving can provide planning flexibility and financial benefits for you. We can help you analyze and implement a strategy that rewards you while it benefits causes you care about. l Charitable lead and remainder trusts l Family foundations l Donor advised funds Strengthening your business The links between business ownership and personal wealth are many and complex. Whether your objective is to grow your business, realize its value through a succession strategy or sale, or maintain family ownership by the next generation, we can examine your alternatives in light of both business and personal objectives. And, should circumstance require it, we can call on the market and banking resources of Morgan Stanley. l Credit facilities l Cash management l Retirement plans l Strategic consulting and transactions l Succession planning l Insurance 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. We can help you analyze your current insurance portfolio and work to update your coverages to fulfill personal and strategic goals. l Life and disability income insurance l Life insurance trusts l Key-person insurance JASON M. JUDGE 7

8 A Consultative Process Charting a prudent course to financial independence requires a well conceived, personalized financial plan with defined long-term goals. Our consultative wealth advisory process was developed to help generate that plan. Its key steps are designed result in a broad, cohesive plan for your financial future. 1 Discovery 8 MORGAN STANLEY SMITH BARNEY

9 Discover Analyze 2 Analysis and Recommendation Review Implement 3 Implementation 4 Reviewing Objectives

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 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 /2011