chudom hayes brochure

4 what we believe

11 how we invest

13 meet the professionals

The Chudom Hayes Wealth Management Group at Morgan Stanley Smith Barney

2 morgan stanley smith barney | 2010

COMPJOB INFORMATION

PROJ. NO.: 6450759

JOB NAME: Chudom Hayes Brochure

DESCRIPTION: Brochure

CLIENT NAME: Karen D'AttanasioPROJECT MGR.: Miguel MendezCOST CENTER: F023

DUE DATE: TBD

SPECIFICATIONSTRIM SIZE: 8.5" × 11"

FINISHED SIZE: 8.5" × 11"BLEED: 0.125"

BINDERY: SaddlestichINK: 4/4

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CREATIVE SERVICES1221 Avenue of the Americas, 3rd FloorNew York, NY 10020

r19FILENAME: 6450759 MSSB Chudom Hayes Brochure_r20 LAST MODIFIED: September 27, 2010 3:57 PM

The Drake Oakbrook Plaza 2211 York Road, Suite 100, Oakbrook, IL 60523

630-573-9680T 800-445-6529 F 630-572-9030

[email protected]

[email protected]

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morgan stanley smith barney | 2010 3

Our Mission

The Chudom Hayes Wealth Management Group helps a select group of families manage their financial assets so they can focus on areas of their life that bring them joy, meaning and purpose.

weworkwithyouto:• Develop a comprehensive financial plan• Diversify your portfolio across a broad range of investments• Maintain strict objectivity and avoid conflicts of interest• Adhere to a long-term strategic asset allocation• Tactically adjust holdings in response to evolving opportunities and risk• Minimize investment costs and taxes• Defend capital during bear markets• Substitute discipline for emotion in the investment process


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Managing wealth requires an appreciation for who you are and where you want to go. So the Chudom Hayes Team begins by listening to you, developing an understanding of you and your family, exploring the forces that are influencing your financial life, and then developing a plan.

Our approach allows us to design an investment strategy that helps make you comfortable and sustains your confidence over the long term. And when we know you well, we can advise on decisions spanning your entire financial life.

What We Believe

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*

client servicefinancial planningobjective guidanceyour relationship with us*

afocusonyou

Your relationship with the Chu-dom Hayes Team will be driven solely by your needs and goals. We can help you articulate and refine your goals. We will work to analyze and understand them. And we will develop and implement a plan to help you achieve them.

thestrengthofateam

Our team is a big part of what makes us unique. We are a carefully as-sembled team of individuals who are passionate about investments, service excellence and our clients’ success. Because we work as a team, you benefit from our collective ex-perience, as well as each individual’s perspective and distinct skills.

objectiveguidance

To be truly effective, we must be objective, offering unbiased financial planning and investment advice rather than simply selling products. Clients turn to us to help simplify their financial lives by providing thoughtful guidance, wisdom and solutions—and by sorting through the financial products and strate-gies to find what is best for them.

costefficiency

Over time, expenses matter. One way to help increase long-term re-turns is to decrease overall portfolio expenses. We can help minimize the expenses our clients incur by emphasizing low-cost exchange-traded funds (ETFs) and deliver-ing our services as economically as possible.

intensivefinancialplanning

Using our own process, and drawing on our knowledge and experience, we will help you better understand your current situation and create a powerful vision of your financial future. Then we guide you in maxi-mizing the potential of your assets, protecting and empowering your family, and help you to achieve or exceed your personal goals.

serviceexcellence

When it comes to service we go above and beyond the basics. For example, a team member can visit your home to set up electronic ser-vices on your computer. We can help you integrate financial information into popular tax software. And you specify how often we meet with you and the types of information you want. Just say the word.

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questionsanswered

can i achieve financial independence

will i outlive my money

what kind of legacy can i leave for my family

should i redefine my retirement to consider a new business or career

thebenefitsofworkingwiththechudomhayesteam

during

after

before

Unorganized

No plan

Scattered investments

No confidenceUnclear as to

investmentsUncertain risk tolerance

Development of a financial plan

Clarification of goalsInventory

assets and liabilities

Recommend appropriate investment strategies

Implement portfolio

Understand investments

Clear vision into financial future

Construction of tax-efficient portfolios

ConfidenceOrganized Comprehensive financial plan

Cost conscious approach

Tax inefficiencies

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Members of the Chudom Hayes Team have been repeatedly recognized by leading industry publications and the Chicago press for excellence in investment research and wealth management. You can expect the same high levels of insight, experience and service when you become a client.

Recognition

2009etfadvisorhalloffame Research MagazineOctober 2009

thetop1,000advisorsBarron'sFebruary 22, 2010

top50financialadvisorsChicago MagazineApril 2008

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thewinner'scircleResearch MagazineJanuary 2006

2002advisorhalloffameResearch MagazineDecember 2002

teamspiritResearch MagazineJuly 2000

terrificteacherRegistered RepresentativeMay 1999

Please see back cover for ranking criteria.

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theimportanceofdiscretionaryassetmanagement

All of our ETF accounts are managed by the team on a discretionary basis. That means we make all investment decisions regarding your account. By managing money in a discretionary manner, we can respond quickly to new opportunities and evolving risks without the delays involved in seeking approval from each client.

theassetallocationconceptWe create a range of core portfolios designed to deliver the highest level of return for a given level of risk. This graph shows examples of three hypothetical portfolios, each expected to generate a higher level of return than the one to its left by assuming a higher level of risk. One of our most important responsibilities: helping you determine which risk/return balance is the most appropriate starting point for you.

low

high

highrisk

retu

rn

fixed income equity alternative

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assetallocation:thestrategicfoundation

The Chudom Hayes Team focuses our energy and investment manage-ment efforts on asset allocation. We believe that your asset alloca-tion—not which stocks or mutual funds you own—will be the source of the largest percentage of your returns. We are more likely to add value by concentrating on asset al-location and minimizing expenses and taxes than by attempting to outperform indexes through active management of individual stocks or bonds. Instead, we construct discre-tionary portfolios using exchange-traded funds because we believe they allow us to build a better-al-located and more diverse portfolio more efficiently.

exchange-tradedfunds:effectiveandcosteffective

Exchange-traded funds (ETFs) are low-cost, tax-efficient investments that track the performance of specific market indexes. Because many ETFs mirror the performance of market indexes, we believe they are excel-lent tools for implementing asset allocations, which are calculated by combining market indexes in different proportions. And ETFs also allow us to rapidly adjust your asset allocation when we believe that risks and opportunities require it.

Please see page 18 for additional information about ETFs.

Guesswork should have no place in achieving your financial goals. Analysis and planning, cost-effective execution and constant monitoring and refinement—these are the tools we use in designing your strategy, building your portfolio and helping keep you on track.

How We Invest

helpingyouunderstand“whatif?”

Markets don’t always perform as expected. We analyze that pos-sibility, and help you understand what it may mean to you. We run a range of analyses that quantify the likelihood that your strategy will support your goals, measuring the mathematical probability of a range of possible outcomes, based on real-world possibilities.

By showing you many potential values that your asset allocation might produce over a given time period, you can decide if that probability is in your risk comfort zone—and we can make adjustments, if needed.


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We help each client answer a key question: How do I make my financial situation support my vision for my life? Helping clients find the answer is the reason I chose this profession.erichayesVice President, Financial Advisor Portfolio Manager

Too often, fear drives financial decisions, becoming a major reason why financial plans fail. With sound investment advice, we help our clients get beyond the headlines and the noise to focus on their goals and dreams.kylechudomSenior Vice President, Wealth Advisor Senior Portfolio Manager

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Kyle Chudom is the founding mem-ber of the Chudom Hayes Wealth Management Group, and focuses on client relationship management and investment policy decisions. He re-cently celebrated his 26th anniversary with Morgan Stanley Smith Barney. Since 1984, Kyle and the Chudom Hayes Wealth Management Group have been nationally recognized for excellence by multiple publi-cations. Both Kyle and the Group are members of the Morgan Stanley Smith Barney Chairman’s Club, which recognizes the top two percent of financial advisors at the firm.

Under Kyle’s leadership, the Chudom Hayes Team pioneered the retirement planning software that has become the standard across Morgan Stanley Smith Barney.

Having benefited from mentoring early in his career, Kyle has initi-ated a program for mentoring young professionals at the Chudom Hayes Team, and the team regularly mentors interns. Several of the high school and college students mentored by

Eric is a Vice President, Financial Advisor and Portfolio Manager with the Chudom Hayes Wealth Man-agement Group at Morgan Stanley Smith Barney. Eric is a member of the firm's Century Club and is Series 6, 7, 9, 10, 24, 63, and 66 registered.

The Chudom Hayes Team has received national recognition. Research Magazine included Eric and the Chudom Hayes Wealth Management Group in their 2009 ETF Advisor Hall of Fame.

Eric graduated from Southern Illinois University. He developed his interest in the financial markets during his teenage years, mostly by watching the stocks of telephone companies for which his father worked. Eric remembers reading the phone company annual reports his dad would bring home from the office.

In his spare time Eric enjoys pilot-ing airplanes, family time and read-ing. Eric started flying lessons at the age of sixteen, receiving his pilots’ license shortly after graduating from high school and leaving for college.

Eric and his wife, Jennifer, have a daughter named Emma.

the team over the years have become members of the Chudom Hayes Wealth Management Group or entered the financial services industry.

Kyle graduated from Alma Col-lege in Michigan and has completed advanced studies at the Wharton School at the University of Penn-sylvania. Kyle and his wife, Kena, reside in Hinsdale, Illinois, with their two daughters, Kacey and Khloe, along with the family dog, Karma.

Kyle ChudomSenior Vice President Wealth AdvisorSenior Portfolio Manager

Eric HayesVice President Financial AdvisorPortfolio Manager

Meet the Professionals

Awards and recognition• Outstanding Financial

Advisor Award, Registered Representative Magazine, 1999.

• Advisor Hall of Fame, Research Magazine, 2002

• ETF Advisor Hall of Fame, Research Magazine, 2009

• Top 50 Financial Advisors,Chicago Magazine, 2008

• Top 1,000 Advisor, Barron’s, 2010• Current member of

Morgan Stanley Smith Barney Chairman’s Club


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At the Chudom Hayes Wealth Management Group, our team makes a commitment to achieving your most important financial goals—approaching them with the same energy and urgency that you do. We support that commitment not only with knowledge and experience, but also with the principles and values that we would demand from our own closest advisors and allies. To learn more about our approach and how it may contribute to your success, please contact us.

Kyle Chudom 630-573-9680 [email protected]

Eric Hayes [email protected]

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whyweworkwithmorganstanleysmithbarney

We have chosen to work with Morgan Stanley Smith Barney because they help us be more effective in reaching your goals.

forexample:• Through Morgan Stanley Smith Barney, we can complement our own

research with in-depth reports and firsthand analyses of economies and financial markets around the world.

• Morgan Stanley Smith Barney delivers excellent ETF research. Its Exchange-Traded Funds Research Team was recognized for its leading position in ETF Research at the 2010 Capital Link Closed-End Fund and Global ETF Forum.

• Through the firm’s open architecture platform, we have access to thousands of investment choices—including hundreds of ETFs.

• Morgan Stanley Smith Barney’s discretionary fee-based account program, Custom Portfolio, allows us to closely monitor your portfolio, manage risk and make strategic and tactical asset allocation changes quickly when they are needed.

Asset Allocation and diversification does not assure a profit or protect against loss.

Tax laws are complex and subject to change. 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. Individuals are urged to consult their personal tax or legal advisors to understand the tax and related consequences of any actions or investments described herein.

Aninvestmentinanexchange-tradedfundinvolvesriskssimilartothoseofinvestinginabroadlybasedportfolioofequitysecuritiestradedonexchangeintherelevantsecuritiesmarket,suchasmarketfluctuationscausedbysuchfactorsaseconomicandpoliticaldevelopments,changesininterestratesandperceivedtrendsinstockprices.TheinvestmentreturnandprincipalvalueofETFinvestmentswillfluctuate,sothataninvestor’sETFshares(creationunits),iforwhensold,maybeworthmoreorlessthantheoriginalcost.

InvestorsshouldconsidertheETF'sinvestmentobjec-tives,risks,chargesandexpensescarefullybeforeinvest-ing.Theprospectuscontainsthisandotherinformationaboutthefund.Toobtainafreeprospectus,pleasecallyourfinancialprofessional.Pleasereadtheprospectuscarefullybeforeinvesting.

This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it. The strategies and/or invest-ments discussed in this material may not be suitable for all investors. Morgan Stanley Smith Barney LLC recommends that investors indepen-dently evaluate particular investments and strategies, and encourages investors to seek the advice of a Financial Advisor. The appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.

© 2010 Morgan Stanley Smith Barney LLC. Member SIPC

Source: Barron's “Top 1000 Financial Advisors,” February 22, 2010, as iden-tified by Barron's magazine, using quantitative and qualitative criteria and selected from a pool of over 3,000 nominations. Advisors in the Top 1000 Financial Advisors have a minimum of seven years of financial services expe-rience. Qualitative factors include, but are not limited to, compliance record, interviews with senior management, and philanthropic work. Investment performance is not a criterion. The rating may not be representative of any one client's experience and is not indicative of the Financial Advisor's future performance. Neither Morgan Stanley Smith Barney nor its Financial Advi-sors pay a fee to Barron's in exchange for the rating. Barron's is a registered trademark of Dow Jones & Company, L.P. All rights reserved.

Source: Research Magazine’s “130 Top-Ranked Advisor Teams in America,” January 2006 as identified by The Winner's Circle®, LLC, bases its rankings on qualitative criteria: professionals with a minimum of seven years' finan-cial services experience, acceptable compliance records, client retention reports, customer satisfaction, and more. With over 7,000 nominations compiled on an annual basis, Financial Advisor teams are quantitatively ranked based on varying types of revenues and assets advised by the finan-cial 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 typi-cally unaudited, this ranking focuses on customer satisfaction and quality of advice. For more information on ranking methodology, go to www.WCorg.com. The rating may not be representative of any one client's experience because it reflects a sample of all of the experiences of the Financial Advi-sor's clients. The rating is not indicative of the Financial Advisor's future performance. Neither Morgan Stanley Smith Barney nor its Financial Advi-sors pay a fee to The Winner's Circle in exchange for the rating.

Source: Research Magazine’s 2009 "ETF Advisor Hall of Fame: Pioneers in Portfolio Management", October 1, 2009 as identified by Research Magazine using qualitative criteria and selected from a pool of approximately 25 nominations. Qualitative factors evaluated and decided by the contest judge include but are not limited to: financial advisors that have ETFs as a central focus of their financial services, financial advisors that have a large portion of total AUM invested in ETFs/ETF portfolios, financial advisors that utilize ETFs through multiple model portfolios that can be mixed/matched to client needs, financial advisors that are setting a good example for other advisors to follow and creativity. Investment performance and client evalua-tions are not taken into consideration.

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