The Korbell Group at Morgan Stanley Smith Barney. Managing Your Wealth Growing Our Relationship

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1 The Korbell Group at Morgan Stanley Smith Barney Managing Your Wealth Growing Our Relationship

2 By combining the experience and skills of the Korbell Group at Morgan Stanley Smith Barney, we deliver tailored investment strategies designed to preserve and grow your wealth.

3 Our Vision The Korbell Group at Morgan Stanley Smith Barney places a high value on relationships. Our relationships are based on integrity, understanding, and accountability. We believe each client relationship begins with careful consideration of your long-term objectives. We seek to grow the relationship by continuously working to meet your financial needs and striving to surpass your expectations. Our desire is to know you and your family well, by learning the things you value. Only then can we adapt the vast resources of Morgan Stanley Smith Barney to support your needs and gain your complete confidence. Our team was recognized in Research Magazine (September 1, 2008) as one of its Top-Ranked Advisor Teams in America, based on the methodology and criteria of independent research organization The Winner s Circle. The Korbell Group at Morgan Stanley Smith Barney is the only team in San Antonio to receive this recognition. The Winner s Circle screens more than 7,000 financial professionals nationwide on an annual basis and selected 130 full-service Financial Advisor teams using a combination of quantitative and qualitative criteria. * Those identified on the list were selected based on their continued focus on adhering to the best practices that govern our business, success and quality service they provide to their clients. *Research Magazine s 130 Top-Ranked Advisor Teams in America, as identified by The Winner s Circle, LLC, bases its rankings on qualitative criteria: professionals with a minimum of 7 years financial services experience, acceptable compliance records, client retention reports, customer satisfaction, and more. With over 7,000 nominations compiled on an annual basis, advisor teams are quantitatively ranked based on varying types of revenues and assets advised by the financial professional, with weightings associated for each. Additional measures include: in-depth interviews and discussions with senior management, peers, and customers, and telephone-based and in-person interviews with the nominees. Because individual client portfolio performance varies and is typically un-audited, this ranking focuses on customer satisfaction and quality of advice. For more information on ranking methodology, go to The rating may not be representative of any one client s experience because it reflects a sample of all of the experiences of the advisor s clients. The rating is not indicative of the advisor s future performance. Neither Morgan Stanley Smith Barney nor its financial advisors pay a fee to The Winner s Circle in exchange for the rating. MORGAN STANLEY SMITH BARNEY/3

4 Meet the Professionals JOHN C. KORBELL Managing Director Wealth Management Senior Investment Management Consultant John is the senior Financial Advisor of the group. He focuses on client relationships, asset allocation, portfolio reviews, and staying abreast of local and global markets. Morgan Stanley Smith Barney 1985-present Rotan Mosle, Inc Captain USAF B.S. Civil Engineering, Texas A&M B.A. English, Texas A&M NASD Series 1, 40, 63, 65, PC, Insurance Smith Barney Consulting Group s Graduate School 1996 & 2000 Professional Associations Association of Professional Investment Consultants (APIC) - Current Member, Former Board Member Civic Organizations Trinity University Board of Trustees Present Southwest Research Institute Vice Chairman Cancer Therapy & Research Center Board of Directors Past Chairman United Way Co-Chair Alexis de Tocqueville Society 2006 Honors & Recognitions Barron s magazine: Among the Top Wealth Advisors in America 2008 Barron s magazine: Among the Top 100 Wealth Advisors in America 2005, 2006, 2007 Registered Rep magazine: One of the Top 100 Advisors in America 2007 Smith Barney Consulting Group s High Net Worth Advisor Award 2006 Scene in S.A. magazine: One of The Most Influential San Antonians of 2005 Managing Director Wealth Management: Morgan Stanley Smith Barney Present Director s Advisory Group Smith Barney: Member , Co-Chair Social Organizations Texas Cavaliers San Antonio German Club Order of the Alamo [email protected] (210) /MORGAN STANLEY SMITH BARNEY

5 KATHY FISCHER COSTELLO Senior Vice President Senior Investment Management Consultant As John s senior partner, Kathy is responsible for client relationships including investment advice and ongoing wealth management reviews. She also coordinates much of the team s day-to-day business. ALAN C. PEARSON, CIMA Financial Advisor Financial Planning Specialist The team analyst, Alan reviews money managers, monitors manager performance, and prepares asset allocation studies. Industry experience since 1979 Morgan Stanley Smith Barney since 1982 Branch Management 17 years BBA Texas Tech University NASD Series 7, 8, 63, 65, Insurance FPS (Financial Planning Specialist) Relationship Management Firm Resources & Capabilities Wealth Analysis & Management [email protected] (210) Industry experience since 1988 Morgan Stanley Smith Barney since 1993 BBA Texas A&M University MBA University of Houston CIMA (Certified Investment Management Analyst SM ) NASD Series 7, 63, 65 Honors & Recognition Smith Barney Consulting Group Analyst of the Year Central Division 2008 Investment Research Asset Allocation [email protected] (210) MORGAN STANLEY SMITH BARNEY/5

6 KIM M. KELLER Second Vice President Financial Advisor A Financial Advisor, Kim manages client relationships, providing financial planning, investment advisory services, cash management, and trading. CATHERINE MORRISON-STOKELY, CFP CG Analyst Financial Planning Specialist A Financial Advisor and Financial Planning Specialist, Catherine interacts directly with clients to provide a comprehensive wealth management plan including financial planning, education planning, and insurance strategies. Industry experience since 1987 Morgan Stanley Smith Barney since 1992 BBA Finance, University of Texas at San Antonio NASD Series 7, 63, Insurance FPS (Financial Planning Specialist) Client Management Portfolio Reviews Financial Planning Trading [email protected] (210) Industry experience since 1987 Morgan Stanley Smith Barney since 1999 BBA Finance, Texas State University NASD Series 7, 63, 65, Insurance CFP (Certified Financial Planner TM ) FPS (Financial Planning Specialist) Financial Planning Education Planning Estate, Insurance & Trust Strategies Mutual Funds & Annuities [email protected] (210) /MORGAN STANLEY SMITH BARNEY

7 JOAN E. KJOLLER Registered Marketing Associate SANDY G. DESKIN Registered Associate JOY E. CRAMPTON Registered Associate Joan is often the first point of contact to our clients. She manages operations for the group and provides administrative support to clients. Industry experience since 1976 Branch Operations Manager 15 years Dana College, University of Texas at San Antonio NASD Series 5, 7, 63, 65, PC Operational Issues Express Credit & Margin Restricted Stock (210) Sandy is a resource for all administrative requests. She works closely with client CPAs and attorneys. In addition, she serves as the operational liaison for the investment managers we work with. Industry experience since 1985 Morgan Stanley Smith Barney since 1993 NASD Series 7, 63, 66 Managed Account Contracts Operations Administrative Inquiries [email protected] (210) In addition to assisting with client service and administration, Joy leads the team s marketing and Web site management, processes trades, and provides technology support. Industry experience since 2005 BS Oral Roberts University NASD Series 7, 63, 66 Team Marketing Client Events Smith Barney Online Technology Trading [email protected] (210) MORGAN STANLEY SMITH BARNEY/7

8 Developing a Wealth Management Strategy In turbulent markets, a disciplined investment process is a key differentiator for success. Every investment begins with a plan. Every client is unique. As such, we ensure that our relationship begins with a comprehensive review of your goals, risk tolerance and lifestyle. Our goal is to identify your big-picture financial objectives and establish a framework for pursuing them. Together, we will pull the different parts of your financial puzzle into a thorough, integrated plan flexible enough to grow and change along with you. Your wealth management plan evaluates more than just your assets and liabilities; it encompasses your values, dreams, passions, and family heritage. Following is an overview of the process we employ with our clients. 8/MORGAN STANLEY SMITH BARNEY

9 SETTING YOUR FINANCIAL OBJECTIVES Our investment process begins with helping you develop a comprehensive understanding of your present financial resources, liabilities and objectives, as well as the risk level with which you are comfortable. This is accomplished through the development of your investment profile. DEVELOPING YOUR ASSET ALLOCATION We believe that asset allocation is one of the most effective investment techniques investors can employ. Historical data has shown that the correct asset allocation policy can provide diversification of your portfolio, enhance returns, lower overall portfolio volatility and position your portfolio to take advantage of developing investment opportunities. The process centers on specifying the particular asset classes for your portfolio as well as the proportion of the portfolio that each class should comprise. Drawing on analysis and research of the capital markets conducted by the Consulting Group, we can assist in determining an asset mix or efficient portfolio that is appropriate for your risk and return objectives. SELECTING INVESTMENT MANAGERS We access Morgan Stanley Smith Barney s Consulting Group s comprehensive process to evaluate a broad array of investment management firms for the stewardship of clients portfolios. The process is designed to identify qualified investment management talent as well as to reconfirm regularly the qualifications and capabilities of firms currently managing the Consulting Group s clients assets. Consulting Group actively monitors and reevaluates investment management firms to ensure that they are adhering to their stated management style and maintaining the quality standards for which they were originally selected. ONGOING REVIEW The final step of the four-step process is a comprehensive Quarterly Review encompassing your investment objectives, your investment portfolio s performance and the investment manager s progress toward meeting your investment goals. Reaching these goals is the product of hard work and effective planning. Maintaining a prudent investment process requires continual discipline and diligence in monitoring and evaluating the thousands of different investment management firms. PRINCIPLES OF PROFESSIONALISM Here s our commitment to you. We: Put you and your interests first. Seek to understand you, your personal financial needs, goals and values. Help you to fully comprehend your investment choices so that you make well-informed decisions based on what s right for your situation. Ensure that your concerns are our top priority. Are available to spend ample time with you to discuss your portfolio and any financial matter that may affect you. Diversification does not guarantee a profit or protect against loss. MORGAN STANLEY SMITH BARNEY/9

10 Wealth Management Resources As Financial Advisors at Morgan Stanley Smith Barney, an industry-leading wealth management firm, we have access to a global platform of resources that enable us to select the products and services that match the diverse financial needs of our clients. Our capabilities include, but not limited to, the following resources: Wealth Planning Income and cash-flow planning, strategic borrowing, asset protection, wealth transfer, investment analytics Wealth Planning Center Private Client Lending Group Retirement and Education Funding Estate Planning Executive Compensation Services Hedging and Monetization Investment Consulting and Management Customized asset-allocation advice, extensive investmentadvisor research, automatic rebalancing, ongoing monitoring and performance reporting Consulting Group Investment Advisory Services Select Portfolios Portfolio Management Group Smith Barney Advisor WEALTH PRESERVATION AND TRANSFER Can help protect wealth from creditors and taxes; transfer assets, business holdings and values to future generations Investment Advice Insurance and Annuities Trust Services Philanthropic Services BUSINESS OWNER SERVICES Business banking and insurance services, working and growth capital, diversification of personal wealth, capitalstructure and exit strategies Capital Strategies Group Borrowing Cash Management Retirement Plans Business Succession Planning Insurance 10/MORGAN STANLEY SMITH BARNEY

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12 The Korbell Group at Morgan Stanley Smith Barney 112 East Pecan Street, Suite 1500 San Antonio, TX Telephone: Toll-Free: Facsimile: fa.smithbarney.com/thekorbellgroupsb 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