The Calabretta Group

The Calabretta Group at Morgan Stanley Smith Barney

204 North George StreetSuite 300, York, Pennsylvania 17401

717-854-5553 / MAIN

800-343-5235 / TOLL!FREE 717-852-4101 / FAX

www.fa.smithbarney.com/[email protected]

3THE CALABRETTA GROUP

Managing wealth involves far more than managing an investment portfolio. It begins with developing a holistic, comprehensive understanding of who you are and the financial forces at work in your life. It means helping you understand and respond effectively to these forces. And, of course, it means helping you invest your assets in a way that reflects the realities of your life and the uniqueness of your long-term goals.

As Financial Advisors, we are committed to building a relationship of trust in which we can work closely with you to help you define your objectives, explore alternatives and choose the financial and investment strategies that are most appropriate for you. As our relationship evolves, we hope you will come to regard us as a valued resource and professionals who can help you make a more informed decision on any financial issue.

Our most important goal: to help you achieve your objectives, providing guidance that helps your wealth do more for you.

The Calabretta Group at Morgan Stanley Smith Barney

MORGAN!STANLEY SMITH!BARNEY4

Meet the Professionals

Left to right: Seth W. Predix; Matthew A. Calabretta; Rebecca A. Gebhart


Matthew A. CalabrettaSenior Investment ConsultantSenior Vice President Wealth Advisor

Matt began his career with Morgan Stanley Smith Barney in 2000 upon completing his M.B.A. in Finance.! Since joining Morgan Stanley Smith Barney, Matt has earned!certifications as a Se-nior Investment Management Specialist and Financial Planning Specialist.! His broad financial background and strong commitment to client service has been!in-valuable to!his clients, which include affluent individuals, families, corporate executives, and business owners.

Matt focuses on a comprehensive wealth management process, which includes developing a financial plan!cus-tomized to each client’s goals,!tailoring a prudent asset allocation strategy, and continuing to review the plan and moni-tor the progress on an ongoing basis.! In addition to the!design and implementa-tion!of prudent investment strategies, Matt also concentrates in retirement,

Seth W. PredixFinancial Planning AssociateWealth Advisor

As a Financial Planning Specialist, Seth focuses primarily on retirement, estate, education, insurance, and financial plan-ning. With Seth’s innovative approach in portfolio structure and management, he creates a customized plan for each client and develops effective strategies to obtain their financial goals.

Seth attained his Bachelor of Science in Finance from The Pennsylvania State University. He belongs to The Penn State Alumni Association and is actively involved in Habitat for Humanity. As a lifetime resident of York, Seth strives in giving back to the local community. He enjoys spending time with his family, and participating in outdoor activities and sporting events.

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education, and estate planning, for the complex needs of his clients.! Matt has also developed an extensive knowledge in the area of Corporate Stock Option Planning.!

As an alumnus of The Pennsylvania State University, with a Bachelor of Science degree in Science, as well as an NCAA Division I wrestler, Matt remains involved with The Penn State Alumni Society as well as The Penn State Wresting Program, and is a board member on The Penn State York Advi-sory Board.! Matt is a lifelong resident of York and!is actively involved in Big Brothers Big Sisters of York County, The Special Olympics, The Rotary Club of York and was previously on the board of the Dallastown Area Dollars For Scholars.

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Rebecca A. GebhartFinancial Planning AssociateSenior Registered Client Service Associate

Becky!began working with The Cala-bretta Group in the summer of 2000.! She has served as Senior Registered Client Service Associate since its inception.

Becky has multifaceted duties, which comprise ensuring that clients’ issues and accounts are addressed with per-sonal attention and care, coordinat-ing!overall day-to-day operations, as well as!increasing client service quality.!

Becky is Series 7 and 63 licensed.! She is a graduate of York College of PA with a degree in Business Manage-ment and Administration.! Becky is a team member for the American Cancer Society’s Relay for Life.

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Creating Your Plan

To be truly effective, your plan must reflect the totality of your personal and financial life. Our role is to help ensure that your investment objectives are consistent with pressing financial concerns and your long-term aspirations. Moreover, we will support you and your strategy with the resources and perspective of one of the world’s largest financial firms.

1 We will work to articulate your aims for your wealth, examining your current and future income sources and cash flow needs, and then consider factors like tolerance for risk, tax concerns, liquidity needs and time horizon.

Discover

ImplementReview

Analyze

4 We will review your portfolio together at your request. And when your circumstances change, we will work with you to revise your strategy and reposition your assets to reflect your new needs and goals.

2 We will propose a financial plan and asset allocation designed to help meet your goals. Our advice may encompass issues such as retirement planning, business continuation, tax minimization and wealth transfer.

3 We will work closely with you to bring the elements of your plan to life, helping you to select from the hundreds of investment management firms available to you, and identify specific stocks, bonds and other securities that may be suitable for your portfolio. Then we will closely monitor your portfolio.

With an experienced professional and the right resources, reaching your most important goals can be less challenging and more rewarding. We are ready to help you meet your goals, by combining our insight into your needs with the resources of Morgan!Stanley!Smith!Barney.

For Life’s Most Important Goals

Setting a confident course Thorough, thoughtful planning"—" plan-ning 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.

• Retirement planning • Education planning • Estate planning • 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.

• Asset allocation • Investment management • Traditional investments • Alternative investments • Separately managed accounts


Shaping your retirement Together, we can work to make deci-sions that could help you move 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.

• IRAs: – Traditional – Roth

• IRA rollovers • Roth conversions

Building a unique legacy Estate planning typically brings together the dimensions of life: personal, family, financial and charitable. We will work with you to understand the connections between your life and legacy goals, and work with your accountant and attor-ney to help you develop a strategy to position your portfolio appropriately.

Educating new generations Helping to meet the education costs of children and grandchildren may be one of the most attractive and person-ally fulfilling investment opportunities available to you. We can help you ac-cess appropriate investment vehicles"—" 529!plans and custodial accounts.

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.

• Life and disability income insurance • Life insurance trusts • Key-person insurance

Meeting current liquidity and banking needs Managing personal cash and securing liquidity for personal needs and op-portunities are the day-to-day aspects of implementing a financial strategy. We can help you meet your personal cash management and borrowing needs while thinking strategically about how approaches may affect current and long-term costs and taxes.

• Home finance • Lending services • Securities-backed loans

Strengthening your business The links between business owner-ship 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 exam-ine your alternatives in light of both business and personal objectives. And, should circumstance require it, we can use the access to banking services of Morgan!Stanley Smith!Barney.

• Lending Services • Cash management • Retirement plans • Strategic consulting and transactions • Succession planning • Insurance

MORGAN STANLEY SMITH BARNEY

You Benefit From a Profound Understanding of the Full Range of Wealth Management Needs

Investment ManagementI have so many goals and priorities. How can one investment strategy balance them all?

Charitable PursuitsThe charities I support are like extended family. How do I maximize the good I can accomplish?

Estate PlanningMaking sure my estate goes to the people and organizations I care about is a priority. How do I transform my assets into a legacy?

Integrated PlanningDecisions about both assets and liabilities need to be made in the framework of important life goals. What steps are also the most tax efficient? How can a strategic approach to banking and lending simplify my financial life and maximize the value of what I own?

LiquidityI can predict some expenses, but others I know I can’t. How can I plan to have the cash I need?

RetirementWhen I retire, it will affect just about everything that matters: my lifestyle, my company, my family. Is there a way to plan for retirement that takes it all into account?

Business StrategiesHow do I manage my personal wealth with so much tied up in my company?

Risk ManagementThe ups and downs of the markets is just one kind of risk—but so is not protecting my assets and my family. How do I protect what I care about most?

Education FundingWill I be able to pay for a good education for my children—and my grandchildren?

U N P A R A L L E L E D E X P E R I E N C E .

INVESTMENT INSIGHT WITHOUT LIMITS.

PERFORMANCE THAT MEETS YOUR MEASURE.

Financial Advisors have access to top-flight research from both Morgan!Stanley and Citi. Combined, they analyze and track the progress of more than 3,000 companies all over the!world.

• CEO and senior team with deep wealth management experience

• 130 years of combined experience

• 900 global locations• 18,000 financial advisors• 7 million client accounts• $1.5 trillion client assets

Please read important disclosures on the back cover of this brochureMORGAN!STANLEY SMITH!BARNEY12

MORGAN STANLEY SMITH BARNEY

You Benefit From a Profound Understanding of the Full Range of Wealth Management Needs

Investment ManagementI have so many goals and priorities. How can one investment strategy balance them all?

Charitable PursuitsThe charities I support are like extended family. How do I maximize the good I can accomplish?

Estate PlanningMaking sure my estate goes to the people and organizations I care about is a priority. How do I transform my assets into a legacy?

LiquidityI can predict some expenses, but others I know I can’t. How can I plan to have the cash I need?

Business StrategiesHow do I manage my personal wealth with so much tied up in my company?

A CULTURE of

EXCELLENCEOVER THE YEARS, YOU HAVE MADE MANY FINANCIAL DECISIONS.

ONE IN PARTICULAR IS LIKELY TO HAVE A LASTING IMPACTON YOUR WELL BEING AND THAT OF YOUR FAMILY:

THE CHOICE OF A FINANCIAL ADVISOR.

your financial needs and then align the resources to meet them. Your Financial Advisor can help you evaluate immediate concerns and plan for long-term goals, be a sounding board for your invest-ment ideas, assist you in developing and executing a strategy that is precisely your own and help deliver performance results that meet your needs.

Your Financial Advisor is your advocate within our firm, an intelligent editor who selects and aligns the many capabilities of Morgan!Stanley Smith!Barney for you, delivering the right resources to you in the way that is most appropriate for how you invest and what you want to achieve.

Investors who choose Morgan!Stanley Smith!Barney often tell us that their reasoning is simple. They choose a Financial Advisor"—"and a firm"—"that mirrors the values propelling their own success: a commitment to perform at the highest level for their clients, with no shortcuts, compromises or excuses.

U N P A R A L L E L E D E X P E R I E N C E . Drawing on many years of experi-ence, Morgan!Stanley Smith!Barney understands the importance of shaping relationships that reflect client needs, preferences and aspirations.

Our firm and Financial Advisors have an in-depth understanding of virtually all the challenges, goals, preferences, styles and strategies that distinguish wealthy investors. Additionally, as a truly

global financial institution, we have an equally acute knowledge of financial opportunities and the potential risks.

This combination positions us to develop, structure and execute solu-tions for your most important financial needs, from accumulating wealth to investing for income, from solidify-ing retirement security to devising a distribution approach that meets your lifestyle and legacy goals.

INVESTMENT INSIGHT WITHOUT LIMITS. As a client, you have access to the strategic and tactical views of some of the world’s most seasoned and respected investment professionals. The members of our Global Investment Com-mittee develop strategies that guide the management of advisory accounts and help to inform the decisions of clients across Morgan!Stanley Smith!Barney.

The team is currently supported by the work of 350 analysts at two of the world’s largest investment banks, Morgan!Stanley and Citi, who cover key geographic and economic sectors, as well as 3,000 individual equity securities. You also benefit from a premier trad-ing and execution platform. Think of our 225 capital markets professionals as experienced, highly responsive and knowledgeable partners.

PERFORMANCE THAT MEETS YOUR MEASURE. Among the most important skills of our Financial Advisors is the ability to listen: to thoroughly understand

ONE OF THE WORLD’S STRONGEST INVEST!MENT ORGANIZATIONS STANDS BEHIND YOUR FINANCIAL ADVISORFinancial Advisors have access to top-flight research from both Morgan!Stanley and Citi. Combined, they analyze and track the progress of more than 3,000 companies all over the!world.

A STRONG, STEADY FORCE IN A CHANGING INDUSTRY

• CEO and senior team with deep wealth management experience

• 130 years of combined experience

• 900 global locations• 18,000 financial advisors• 7 million client accounts• $1.5 trillion client assets

Please read important disclosures on the back cover of this brochure 13


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.

© 2011 Morgan!Stanley Smith!Barney LLC. Member SIPC. 6639757 03/11

Morgan!Stanley Smith!Barney offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please contact us to understand these differences.

Morgan!Stanley Smith!Barney LLC (“Morgan!Stanley Smith!Barney”) is a registered broker-dealer, not a bank. Where appropriate, Morgan!Stanley Smith!Barney has entered into arrangements with banks and other third parties to assist in offering certain banking-related products and services. Unless otherwise specifically disclosed to you in writing, in-vestments and services offered through Morgan!Stanley Smith!Barney,

member SIPC, are not insured by the FDIC, are not deposits or other obligations of, or guaranteed by, banks and involve investment risks, including possible loss of principal amount invested.

Morgan!Stanley Smith!Barney LLC, its affiliates and Morgan!Stanley Smith!Barney Financial Advisors do not provide tax or legal advice. This material was not intended or written to be used for the purpose of avoiding tax penalties that may be imposed on the taxpayer. 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.

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The Calabretta Group