the hamilton retirement planning group at morgan … · the hamilton retirement planning group 3...

The Hamilton Retirement Planning Group at Morgan Stanley Smith BarneyHelping clients transition into retirement.

4520 Main Street8th Floor, Kansas City, Missouri 64111

816-932-7856 / Main

800-821-6119 / Toll-Free 816-932-7836 / Fax

fa.smithbarney.com/[email protected]

3The hamilTon ReTiRemenT Planning gRouP

Think about retirement. What images come to mind? Is it travel? A second home? A life-long wish fulfilled?

Everyone has dreams for retirement. At the Hamilton Retirement Group at Morgan Stanley Smith Barney, our job is to help those dreams become a reality.

Most of our clients come to us within about 10 years of retirement. They have had successful careers. Most have been saving steadily, investing in savings instruments such as IRAs or 401(k)s.

These are the clients we focus on serving.

We can help you prepare for retirement. Then, we can assist you with the transition itself, and continue to provide service as your retirement progresses.

Retirement planning is all we do. After all, for the most important transition in your life, doesn’t it make sense to work with a knowledgeable financial advisor?

The Hamilton Retirement Group at Morgan Stanley Smith Barney

moRgan STanley SmiTh BaRney4

Meet the Professionals

The Hamilton Retirement Planning Group

Gordon Hamilton III, CRPC®Managing Director-Wealth ManagementFinancial Advisor

Gordon joined the financial services industry in 1987 and has been with Morgan Stanley Smith Barney and its predecessor firm ever since. Gordon focuses on retirement and investment planning, 401(k) plans, legacy planning, pensions, lump sum distributions and profit sharing plans. He also conducts numerous retirement and investment planning seminars throughout the community. Gordon’s commitment to providing a high level of service and financial advice led to his position as a Managing Director-Wealth Manage-ment at Morgan Stanley Smith Barney.

Gordon earned his Bachelor’s degree in Business Administration in 1984 from Southern Methodist University. He lives with his wife and four children in Kansas City. He enjoys being with his family and coaching youth basketball in his spare time. He also volunteers

his time to Synergy Services and he is an active Chiefs Red Coater.

Benjamin J. Panos, CRPC®Financial Planning SpecialistFinancial Advisor

Ben joined the Hamilton Retirement Group at the predecessor firm of Mor-gan Stanley Smith Barney in 2003. Ben especially enjoys working with clients in a close, one-on-one relationship, watching them enjoy retirement after years of hard work. He works with cli-ents on retirement planning, financial planning and asset allocation.

Ben’s strong belief in a collaborative approach grows out of his experience at Rockhurst University, where he was a four-year letter winner in basketball. He graduated with a degree in Finance and Economics. He is an avid triathlete, competing in up to 5 events each year. He and his wife Ali enjoy traveling abroad and experiencing different cultures. They reside in Prairie Village, KS.

5The hamilTon ReTiRemenT Planning gRouP


Christopher W. Briley, CRPC®Financial Planning SpecialistFinancial Advisor

Chris joined the Hamilton Retirement Group at the predecessor firm of Morgan Stanley Smith Barney in 2004. Chris regularly meets with families to structure a strategy that helps meet their goals in retirement. He enjoys working with clients as they approach retirement, believing that this is a phase in life that people work for all their lives, and that he can help them enjoy.

Chris graduated from the University of Kansas with degrees in Communica-tions and Psychology, and he remains a committed Jayhawks fan. He and his wife Britton enjoy spending time with their son Ellis and volunteering in their church events. They reside in Prairie Village, KS.

Thomas C. Riordan, CRPC®Financial Planning SpecialistFinancial Advisor

Tom joined the Hamilton Retirement Group at the predecessor firm of Morgan Stanley Smith Barney in 2002, focus-ing on the transition between work and retirement. Tom especially enjoys working with our clients once they reach retirement, helping them understand how to reach their goals and maintain their lifestyle.

Tom graduated from Rockhurst Uni-versity with a degree in Finance and Economics and a minor in English. He is an avid runner, having completed several marathons. He and his wife Kelly live in Prairie Village; in their spare time, they enjoy traveling and rooting for their beloved Chiefs and Jayhawks.


We help our clients at each of the three basic stages as they approach retire-ment: planning for retirement, actually retiring, and maintaining your chosen lifestyle during retirement.

Because we are experienced professionals, there are very few situations we have not encountered before. We work with clients of all levels of sophistication, income and backgrounds. Depending on the trajectory of your career, we may even be familiar with the intricacies of your current plan. Either way, you can be sure we will develop the information we need to help address your particular needs and issues.

We believe you are entitled to working with a financial advisor who shares your vision, earns your trust and strives diligently to help you attain the life you desire for you and your family. As we work together towards your goals, we are committed to providing you with distinctive, caring and personalized attention. Equally important is our attentiveness to helping you anticipate the changes and challenges in your life so you can be prepared to meet those circumstances when they arise.

Virtually all wealth management firms offer retirement planning services. However, the Hamilton Retirement Group at Morgan Stanley Smith Barney is one of the few that concentrate exclusively on retirement.

Retirement Is All We Do


Among our services:

Income replacement.Re-create as much as possible of the income stream you built during your career.

Asset management.Adjust your portfolio to reflect your new objectives of preservation and growth to stay ahead of inflation.

Investment advice.Choose appropriate investments for your needs, given your age, risk toler-ance and goals.

Retirement plan assistance.Understand your options with your IRA or 401(k) plan.

Family protection.Ensure that you have proper protection in place for your loved ones, both today and in the future.

Tax management.Increase the amount of income you receive while reducing what you pay in taxes.

Legacy planning.A comprehensive plan, done well in advance, can help ensure that you leave more of your wealth to your beneficiaries.

Concentrated stock management.Did you earn company stock? Watch for tax implications as you diversify.

Client education.Understand how tax and regulatory changes influence your retirement plans. We also monitor the economic conditions as they impact your finances.

No matter how successful you’ve been at creating wealth for yourself and your family, transitioning to retirement requires a different mindset. You will no longer be focused on acquisition – in retirement, your issues shift to preservation and distribution. Even successful independent investors can become tangled in these new demands. At the Hamilton Retirement Group, we can help you turn your life savings into a steady income stream that can potentially last you a lifetime.

Retirement Transition Services


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.

Morgan Stanley SMith Barney

A Strong, Steady Force in a Changing IndustryInformation as of 05/30/2010 unless otherwise indicatedPlease read important disclosures on the back cover of this brochure

7,000,000

90018,000

CEO

130

$1.5 Trillion

gloBal locationS

yearS of coMBined experience

and Senior ManageMent teaM with deep wealth ManageMent experience

financial adviSorS

client accountS

client aSSetS

Morgan Stanley SMith Barney

Investors who choose Morgan Stanley Smith Barney often tell us that their rea-soning 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.

The combination of Morgan Stanley and Smith Barney brings together two firms that have demonstrated those values for decades. Firms with a reputa-tion for achieving the objectives of the world’s most sophisticated and demanding

investors. Firms whose Financial Advi-sors have earned the trust and achieved the goals of many of the nation’s most successful individuals, their families, as well as corporations, foundations and endowments.

In melding our two firms, we cre-ated an organization that truly exceeds the sum of its parts. Whatever your investment goals, and however you prefer to pursue them, Morgan Stanley Smith Barney offers you more flexibility, more capability, more insight than you are likely to find anywhere else.

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.

A Strong, Steady Force in a Changing IndustryInformation as of 05/30/2010 unless otherwise indicatedPlease read important disclosures on the back cover of this brochure

7,000,000

90018,000

CEO

130

$1.5 Trillion

gloBal locationS

yearS of coMBined experience

and Senior ManageMent teaM with deep wealth ManageMent experience

financial adviSorS

client accountS

client aSSetS

15

Top-flight research from both Morgan Stanley

and Citi

global companies

tracked

3,000

investment products

1,300

independent capital markets professionals

225

research analysts

350

manager research

professionals

40

alternative investment strategies

200

Financial Advisor

1

Morgan Stanley SMith Barney Morgan Stanley SMith Barney

Investment insight without limitsMorgan Stanley Smith Barney has meaningful intelligence about every major asset class and a presence in every major market, as well as investment research from some of the world’s most respected analysts. Our culture values lively debate and an open exchange of ideas as the basis for distinctive, sophisticated strategies. We translate our insights into your financial success.

intellectUal capital, gloBal perspective. As a client, you have ac-cess to the strategic and tactical views of some of the world’s most seasoned and respected investment professionals. The members of our Global Investment Committee 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 securi-ties. This research is directly available to individual clients, as are the market insights, research and analytic views of

fixed income and equity desks focused on the needs of individual investors. Your Financial Advisor can bring all of these resources to bear on your portfolio.

s o p h i s t i c at e d s t r at e g i e s , rigoroUs risk management. The Global Investment Committee is an especially valuable resource to you and your Financial Advisor. The commit-tee creates model portfolios based on rigorous statistical techniques — which guide both institutional and individual investors and reflect a range of time horizons, risk profiles and wealth levels. Also, the committee makes tactical sug-gestions based on an astute analysis of the investment landscape. It is all done with an eye on achieving the most ef-ficient balance of risk and return to help

maximize the likelihood of successfully meeting your objectives.

a premier trading and execUtion platform. Our ability to execute your investment strategy is second to none. Morgan Stanley Smith Barney is one of the only wealth management firms with a stand-alone, principal-driven capital markets platform dedicated to the needs of individual investors and Financial Advisors. Think of our 225 capital markets professionals as experienced, highly responsive and knowledgeable partners.

the fUll spectrUm of invest-ment choices. You also have access to a variety of mutual funds, including a group of funds that are vetted and continuously monitored by 40 manager research analysts and investment profes-sionals — one of the largest such groups in the industry. These specialists are responsible for an open-architecture platform that includes more than 1,300 investment vehicles and strategies — again, a broader offering than that of any other investment firm. You have the flexibility to choose any of these vehicles, with guidance from a Financial Advisor focused solely on your best interests.

for your investment ideas, assist you in developing and executing a strategy that is precisely your own and help deliver performance results that meet your needs. When you give your Financial Advisor discretionary responsibility for managing your account, he or she abides by the highest fiduciary stan-dards, putting your interests ahead of the firm’s or his or her own.

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. From investments to credit to banking to trusts, your Financial Advisor can meet unique needs on both sides of your balance sheet. Clients who are part of our Reserved program also enjoy around-the-clock

service and exclusive seminars devoted to the needs of high net worth clients.

the valUe of a learning cUltUre. The firm’s Financial Advisors are among the most experienced and capable in the industry — many have advanced degrees and professional certifica-tions and designations. Morgan Stanley Smith Barney makes a sizeable invest-ment in the training and professional development of each Financial Advisor. Our continuing education programs are designed to equip Financial Advisors with new skills and perspectives. We want every client to reap the benefits of the culture of excellence of our firm.

Our 18,000 Financial Advisors rep-resent an extensive knowledge base built on diverse skills, experience and

Performance that meets your measureOur goal is to understand which personal and financial measures are most impor-tant to you — and then to exceed them.

yoUr personal financial ad-visor. Among the most important skills of our Financial Advisors is the ability to listen: to thoroughly under-stand your financial needs and then align the resources to meet them. Your Financial Advisor can help you evalu-ate immediate concerns and plan for long-term goals, be a sounding board

Unparalleled experience Drawing on many years of experience, Morgan Stanley Smith Barney understands the importance of shaping relationships that reflect client needs, preferences and aspirations. Your Financial Advisor can help you define and meet your goals by delivering the right resources to you in the way that is most appropriate for how you invest and what you want to achieve.

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. At the same time, we invest in innovative tools that help simplify your financial life on a day-to-day basis.

managing personal wealth to institUtional standards. Our vast global firm serves many of the world’s most sophisticated and demanding in-stitutional investors. As an individual investor at Morgan Stanley Smith Barney, you’ll benefit from the market insight, global presence, risk management re-sources and analytical rigor that drive our institutional relationships. You will experience the highest standards of client service and responsiveness, enhanced by the personal attention and commitment of your Financial Advisor.

the knowledge to get it done. As the nation’s leading manager of personal wealth, we understand that there are almost as many approaches to managing wealth as there are portfolios to invest.

choice / gloBal inSight and opportunitieS morgan stanley smith Barney / a Strong pairing Behind yoUr financial advisor

personal / perforMance

professional interests. We make this collective knowledge available to every client by facilitating advisor collabora-tion, encouraging an environment where Financial Advisors can share asset al-location approaches, highly focused strategies and specific investment ideas and solutions to unusual or particularly sophisticated client needs.

Away from the office, our Finan-cial Advisors volunteer their time and leadership skills to thousands of local organizations. They are at the forefront of the firm’s commitment to give back generously to the communities where our clients live and work.

special resoUrces for families with exceptional reqUirements. Successful families with substantial

assets typically have complex needs and require highly integrated capabilities. Family Wealth Advisors brings together the resources of Morgan Stanley Private Wealth Management and Smith Barney’s suite of family office services. This organization focuses on the intricacies of multigenerational wealth transfer, family ownership structures, complex tax reporting, succession planning and family governance. Our clients work with professionals who have extensive experience addressing both the finan-cial issues and personal dynamics of America’s wealthiest families.

Please read important disclosures on the back cover of this brochure

a profoUnd Under-standing of wealth management needsBusiness StrategiesCharitable PursuitsEducation FundingEstate PlanningIntegrated PlanningInvestment ManagementLiquidityRetirementRisk Management

16

Top-flight research from both Morgan Stanley

and Citi

global companies

tracked

3,000

investment products

1,300

independent capital markets professionals

225

research analysts

350

manager research

professionals

40

alternative investment strategies

200

Financial Advisor

1

Morgan Stanley SMith Barney Morgan Stanley SMith Barney

Investment insight without limitsMorgan Stanley Smith Barney has meaningful intelligence about every major asset class and a presence in every major market, as well as investment research from some of the world’s most respected analysts. Our culture values lively debate and an open exchange of ideas as the basis for distinctive, sophisticated strategies. We translate our insights into your financial success.

intellectUal capital, gloBal perspective. As a client, you have ac-cess to the strategic and tactical views of some of the world’s most seasoned and respected investment professionals. The members of our Global Investment Committee 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 securi-ties. This research is directly available to individual clients, as are the market insights, research and analytic views of

fixed income and equity desks focused on the needs of individual investors. Your Financial Advisor can bring all of these resources to bear on your portfolio.

s o p h i s t i c at e d s t r at e g i e s , rigoroUs risk management. The Global Investment Committee is an especially valuable resource to you and your Financial Advisor. The commit-tee creates model portfolios based on rigorous statistical techniques — which guide both institutional and individual investors and reflect a range of time horizons, risk profiles and wealth levels. Also, the committee makes tactical sug-gestions based on an astute analysis of the investment landscape. It is all done with an eye on achieving the most ef-ficient balance of risk and return to help

maximize the likelihood of successfully meeting your objectives.

a premier trading and execUtion platform. Our ability to execute your investment strategy is second to none. Morgan Stanley Smith Barney is one of the only wealth management firms with a stand-alone, principal-driven capital markets platform dedicated to the needs of individual investors and Financial Advisors. Think of our 225 capital markets professionals as experienced, highly responsive and knowledgeable partners.

the fUll spectrUm of invest-ment choices. You also have access to a variety of mutual funds, including a group of funds that are vetted and continuously monitored by 40 manager research analysts and investment profes-sionals — one of the largest such groups in the industry. These specialists are responsible for an open-architecture platform that includes more than 1,300 investment vehicles and strategies — again, a broader offering than that of any other investment firm. You have the flexibility to choose any of these vehicles, with guidance from a Financial Advisor focused solely on your best interests.

for your investment ideas, assist you in developing and executing a strategy that is precisely your own and help deliver performance results that meet your needs. When you give your Financial Advisor discretionary responsibility for managing your account, he or she abides by the highest fiduciary stan-dards, putting your interests ahead of the firm’s or his or her own.

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. From investments to credit to banking to trusts, your Financial Advisor can meet unique needs on both sides of your balance sheet. Clients who are part of our Reserved program also enjoy around-the-clock

service and exclusive seminars devoted to the needs of high net worth clients.

the valUe of a learning cUltUre. The firm’s Financial Advisors are among the most experienced and capable in the industry — many have advanced degrees and professional certifica-tions and designations. Morgan Stanley Smith Barney makes a sizeable invest-ment in the training and professional development of each Financial Advisor. Our continuing education programs are designed to equip Financial Advisors with new skills and perspectives. We want every client to reap the benefits of the culture of excellence of our firm.

Our 18,000 Financial Advisors rep-resent an extensive knowledge base built on diverse skills, experience and

Performance that meets your measureOur goal is to understand which personal and financial measures are most impor-tant to you — and then to exceed them.

yoUr personal financial ad-visor. Among the most important skills of our Financial Advisors is the ability to listen: to thoroughly under-stand your financial needs and then align the resources to meet them. Your Financial Advisor can help you evalu-ate immediate concerns and plan for long-term goals, be a sounding board

Unparalleled experience Drawing on many years of experience, Morgan Stanley Smith Barney understands the importance of shaping relationships that reflect client needs, preferences and aspirations. Your Financial Advisor can help you define and meet your goals by delivering the right resources to you in the way that is most appropriate for how you invest and what you want to achieve.

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. At the same time, we invest in innovative tools that help simplify your financial life on a day-to-day basis.

managing personal wealth to institUtional standards. Our vast global firm serves many of the world’s most sophisticated and demanding in-stitutional investors. As an individual investor at Morgan Stanley Smith Barney, you’ll benefit from the market insight, global presence, risk management re-sources and analytical rigor that drive our institutional relationships. You will experience the highest standards of client service and responsiveness, enhanced by the personal attention and commitment of your Financial Advisor.

the knowledge to get it done. As the nation’s leading manager of personal wealth, we understand that there are almost as many approaches to managing wealth as there are portfolios to invest.

choice / gloBal inSight and opportunitieS morgan stanley smith Barney / a Strong pairing Behind yoUr financial advisor

personal / perforMance

professional interests. We make this collective knowledge available to every client by facilitating advisor collabora-tion, encouraging an environment where Financial Advisors can share asset al-location approaches, highly focused strategies and specific investment ideas and solutions to unusual or particularly sophisticated client needs.

Away from the office, our Finan-cial Advisors volunteer their time and leadership skills to thousands of local organizations. They are at the forefront of the firm’s commitment to give back generously to the communities where our clients live and work.

special resoUrces for families with exceptional reqUirements. Successful families with substantial

assets typically have complex needs and require highly integrated capabilities. Family Wealth Advisors brings together the resources of Morgan Stanley Private Wealth Management and Smith Barney’s suite of family office services. This organization focuses on the intricacies of multigenerational wealth transfer, family ownership structures, complex tax reporting, succession planning and family governance. Our clients work with professionals who have extensive experience addressing both the finan-cial issues and personal dynamics of America’s wealthiest families.

Please read important disclosures on the back cover of this brochure

a profoUnd Under-standing of wealth management needsBusiness StrategiesCharitable PursuitsEducation FundingEstate PlanningIntegrated PlanningInvestment ManagementLiquidityRetirementRisk Management

17


Recognition

2010 FIVE STAR Wealth Manager

Under the Crescendo Business Services’ FIVE STAR: Best in Client Satisfaction Wealth Managers , 30,000 to 80,000 consumers most likely to use the services of a financial services representative (identified by Crescendo) and 4,000 to 8,000 financial service professionals (identified by Crescendo) are asked to name and evaluate up to three finan-cial advisors. The number of individuals in the sample varies based on the size of the local market. In addition to the survey results, other evaluation criteria, such as a minimum of five years’ financial services experience, acceptable compliance records, and evaluation results by a panel of local industry experts are incorporated into the overall evalu-ation process. The final list identifies the wealth managers, of those evaluated, in the local market that score highest in client satisfaction. For more information on the rating methodology, go to http://www.fivestarprofessional.com.

• The FIVE STAR Wealth Managers do not pay a fee to be included in the research or the final list of FIVE STAR Best in Client Satisfaction Wealth Managers.

• The overall evaluation score of a wealth manager reflects an average of all respondents and may not be representa-tive of any one client’s evaluation.

• The inclusion of a wealth manager on the list should not be construed as an endorsement of the wealth manager by Crescendo or [insert magazine].

• The rating is not indicative of the advisor’s future performance.

Barron’s Top 1,000 Financial Advisors

*Barron’s Top 1,000 Financial Advisors, as identified by Barron’s Winner’s Circle, 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 3,000 advisors nominated annually, advisors are quan-titatively ranked based on varying types of revenues and assets advised by the financial professional, with weight-ings 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 unaudited, this ranking focuses on customer satisfaction and quality of advice. For more information on ranking methodology, go to www.WCorg.com <<http://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 advisor’s clients. The rating is not indicative of the advisor’s future performance. Neither Smith Barney nor its financial advisors pay a fee to The Winner’s Circle or Barron’s in exchange for the rating.

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. 6766708 09/11

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.

Asset allocation and diversification do not guarantee a profit or protect against loss.

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.

the hamilton retirement planning group at morgan … · the hamilton retirement planning group 3...

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