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Your Wealth Plan

Presented to: Mark Finley & Jim Langbert

Presented by: J. David Stack, Financial

Advisor

Date: 07/29/2014

Stack-Gravenstine-Draper-Smith Groupat Morgan Stanley

Morgan Stanley Wealth Management330 Fellowship Road, Suite 400Mount Laurel, NJ 08054800-596-5668

www.morganstanleyfa.com/SGDS

Experienced, goal-driven strategies and solutions

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Table of Contents

• Team Introduction

• Team members

• Highlights

• Our philosophy

• Services Provided

• 4 Pillars

• Personalized plan

• Team Process

• Our process

• Asset management

• Liability management

• Risk management

• Estate planning/Wealth transfer strategies

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Stack-Gravenstine-Draper-Smith Group

• J. David StackFirst Vice PresidentFinancial Advisor

• Gregg W. GravenstineFamily Wealth DirectorSenior Vice PresidentFinancial Advisor

• James DraperSenior Vice PresidentFinancial Advisor

• Robert SmithCERTIFIED FINANCIAL PLANNER™Financial Planning Specialist

• Nina DraperBusiness Development Associate

• Vincent MarianiFinancial Advisor

• Karen PratherRegistered Client Service Associate

• Michele McDowellSenior Client Services Associate

From Left to Right:Michele McDowell, Nina Draper, Robert Smith, David Stack, James Draper, Gregg Gravenstine, Karen Prather, Vincent Mariani

Stack-Gravenstine-Draper-Smith GroupMorgan Stanley Wealth Management330 Fellowship Road, Suite 400Mount Laurel, NJ 08054800-596-5668

www.morganstanleyfa.com/SGDS

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Stack-Gravenstine-Draper-Smith Group

• Established Team since 1995

• Six Advisors

• Two Client Service Specialists

• Financial Planning Based Group

• Managing Approximately 500 Million in Assets

Advisor Certifications include:

CERTIFIED FINANCIAL PLANNERTM

Certified Investment Management Analyst®

Senior Investment Management Consultant

Retirement Plan Consultant

Financial Planning Specialist

Accredited Investment Fiduciary

Morgan Stanley Wealth Management

330 Fellowship Road, Suite 400Mount Laurel, NJ 08054800-596-5668

www.morganstanleyfa.com/SGDS

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Our Philosophy

• Help clients protect, preserve, and growth their wealth

• Use a disciplined financial planning process

• Customize our strategies and solutions based on our clients financial goals and objectives

• Provide superior client service, including monthly contact

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Our Wealth Management Process

Develop Strategies & Solutions for each

financial objective.

Choose specific investments

Review current situationDefine your financial objectives

Identify your risk tolerance

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AssessAdjustRefine

Discover Goals

Create a plan

Implement

Review Progress

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Wealth Management Cornerstones

• Asset Management – Asset Allocation and Security Selection based on your goals, objectives, and risk

tolerance

• Liability Management – Debt Strategies designed to build wealth and help you meet short and long term

financial goals

• Risk Management – Protecting your assets with Life Insurance, Disability Insurance, and Long Term Care

• Wealth Transfer – Establishing and effective Estate Plan to ensure tax efficient wealth transfer

according to your wishes

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Your Personalized Wealth Plan

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Disclosures

Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley

Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. 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.

The investments and services listed may not be suitable for all investors. Morgan Stanley Smith

Barney LLC recommends that investors independently evaluate particular investments, and

encourages investors to seek the advice of a financial advisor. The appropriateness of a

particular investment will depend upon an investor's individual circumstances and objectives.

This material is intended only for clients and prospective clients of the Portfolio Management

program. It has been prepared solely for informational purposes only and is not an offer to buy

or sell or a solicitation of any offer to buy or sell any security or other financial instrument, or to

participate in any trading strategy.

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