the d'oliveira-frick-dutra group morgan stanley smith ?· the d'oliveira-frick-dutra group at...
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The D'Oliveira-Frick-Dutra GroupatMorgan Stanley Smith Barney
7530 Parker RoadFairhope, AL 36532
251-990-2939/ MAIN877-886-1777/ TOLL-FREE 251-650-1378/ FAX
The D'Oliveira-Frick-Dutra Group atMorgan Stanley Smith Barney
Managing wealth involves far more than managing an investmentportfolio. It begins with developing a holistic, comprehensive under-standing of who you are and the financial forces at work in your life. Itmeans helping you understand and respond effectively to theseforces. And, of course, it means helping you invest your assets in away that reflects the realities of your life and the uniqueness of yourlong term goals.
As Financial Advisors, we are committed to building a relation-ship of trust in which we can work closely with you to help youdefine your objectives, explore alternatives and choose the financialand investment strategies that are most appropriate for you. As ourrelationship evolves, we hope you will come to regard us as a valuedresource and professionals who can help you make a more informeddecision on any financial issue.
Our most important goal: to help you achieve your objectives,providing guidance that helps your wealth do more for you.
3THE D'OLIVEIRA-FRICK-DUTRA GROUP
Meet the Professionals
The D'Oliveira-Frick-Dutra Group
MORGAN STANLEY SMITH BARNEY4
Sergio R. D'OliveiraSenior Portfolio ManagerFirst Vice PresidentFinancial Advisor
A professional in the financial serv-ices industry since 1984, Sergio beganhis career with Merrill Lynch prior tojoining Morgan Stanley Smith Barneyin 2010. His professional credentialsas a Senior Portfolio Manager andFirst Vice President help him navigatehis clients through all phases of theirfinancial lives.
Sergio grew up in So Paulo Braziland received his Bachelor of BusinessAdministration Degree from Escolade Administracao de Empresas de SoPaulo. Sergio has resided in theDaphne area since 1993, but has livedin the United States since 1978. He hasalso been a member of the FairhopeRotary Club for over 20 years. In hisspare time, Sergio enjoys reading, lis-tening to music and coaching soccer.He also loves spending time with hiswife, children and grandchildren.
5THE D'OLIVEIRA-FRICK-DUTRA GROUP
Tod E. Frick, CIMA, CFPSenior Portfolio ManagerFirst Vice PresidentFinancial Advisor
An experienced Financial Advisorsince 1992, Tod began his career withMerrill Lynch prior to joining MorganStanley Smith Barney in 2010. He cur-rently holds the designation ofCertified Investment ManagementAnalystSM (CIMA) and CERTIFIEDFINANCIAL PLANNER (CFP).Tod also attended ColumbiaUniversity in New York to receive thedesignation of Certified PortfolioManager (CPM).
Tod grew up in Baton Rouge, LAand attended Louisiana StateUniversity where he received hisdegree in Finance. Hes lived in theFairhope area for over 20 years wherehe feels a special commitment to thecommunity. When out of the office,he enjoys spending time with his wife,Lisa, children, Mills and Emery, andtheir three dogs.
Leonardo DutraFinancial Advisor
An investment professional in thefinancial services industry since2000, Leo started his career withMerrill Lynch in Rio de Janeiro,Brazil prior to joining Morgan StanleySmith Barney in 2010. Leo has anexcellent grasp of international finan-cial markets due to his studies inBrazil and the different economies inwhich he has worked.
Born and raised in Rio de Janeiro,Brazil, Leo attended the UniversidadeFederal do Rio de Janeiro where hereceived his BA in Economics. Hecurrently resides in Fairhope, AL withhis wife, Dana, and wonderful step-son, Taylor. While out of the office,Leonardo enjoys travelling, playingtennis, and spending time with familyand friends.
Francisco D'Oliveira, CRPCFinancial Advisor
An experienced Financial Advisorsince 2001, Fran began his career inthe financial services industry withMerrill Lynch. In 2010, Fran joinedMorgan Stanley Smith Barney to takeadvantage of the breadth of resourcesavailable within the firm. He current-ly holds the designation of CharteredRetirement Planning CounselorSM
(CRPC).Fran grew up in Mobile, AL and
graduated from The University ofGeorgia with a Bachelors Degree inBanking and Finance. He has lived inDaphne, AL since 2006, with his wifeand fellow team member, Amanda. Inhis spare time, he enjoys playing soc-cer.
Amanda D'OliveiraSenior Registered Associate
An experienced professional in thefinancial services industry since 2004,Amanda began her career in broker-age operations for ColonialBrokerage. She then worked forMerrill Lynch as a Registered ClientAssociate and later became anAssistant Branch Manager at RegionsBank. In 2009, Amanda joinedMorgan Stanley Smith Barney as aSenior Registered Associate. She cur-rently holds her Series 7, 66, 31, 10along with her life and health insur-ance licenses.
Amanda grew up in BaldwinCounty, AL and graduated from TroyUniversity where she received herBachelors Degree in Banking andFinance. She resides in Daphne, ALwith fellow team member and hus-band Fran.
Amy BaughmanRegistered Client Service Associate
An experienced professional in thefinancial services industry since 2005,Amy began her career with FloridaState University Credit Union prior tojoining Morgan Stanley Smith Barneyin 2010. She is currently a RegisteredClient Associate and holds her Series7 and 66 licenses.
Amy grew up in Mobile, Alabamaand graduated from the University ofSouth Alabama with a BachelorsDegree in Finance. Amy has lived inthe Daphne area since 2008, whereshe stays active in the community vol-unteering with Family Promise andAngels Over the Children.
Your achievements reflect sub-stantial effort, and we will workjust as hard on your behalf, com-mitting our experience and skillsto helping you achieve yourunique goals for your wealth.Moreover, we will support youand your strategy with theresources and perspective of oneof the worlds largest financialfirms.
1 We will discuss your currentfinancial resources, time horizon foryour goals, tolerance for risk evenhow your liabilities are structured.If you own a business, we also mightdiscuss your current banking and cashmanagement needs.
MORGAN STANLEY SMITH BARNEY8
2 We will present a plan to help addressneeds such as income and retirementplanning, asset protection, investmentmanagement, strategic borrowing, wealthtransfer and business succession. Wewill also recommend an asset allocationstrategy reflecting your risk tolerance andinvestment time horizon.
3 The team will work closely withyou to bring the elements of your planto life, helping you to select from thehundreds of investment managementfirms available to you, and identifyspecific stocks, bonds and othersecurities that may be suitable foryour portfolio. Then we will closelymonitor your portfolio.
4 You will receive a comprehensivequarterly performance review,helping you track progress towardyour objectives. And when yourcircumstances change, we will workwith you to revise your strategy andreposition your assets to reflect yournew needs and goals.
For Life's MostImportant Goals
With an experienced professional and theright resources, reaching your mostimportant goals can be less challengingand more rewarding. I am ready to helpyou meet your goals, by combining myinsight into your needs with theresources of Morgan Stanley SmithBarney.
Setting a confident course
Thorough, thoughtful planning planning that analyzes where you areas well as where you want to go isthe most important step in establish-ing a path to your goals. I will workwith you to explore and define yourobjectives and needs, and then struc-ture a plan that is uniquely your own.l Balance sheet analysisl Retirement planningl Education planningl Estate planningl Multigenerational planningl Insurance
Managing the rewards of success
Managing an investment portfolioshould be a consultative, disciplinedprocess that balances your attitudesand goals as an investor with carefulanalysis of the financial markets andthe risks and opportunities they holdfor you. You can rely on us for objec-tive strategic advice in structuringyour portfolio and for careful analysisof any investments we considertogether.l Asset allocationl Investment managementl Traditional investmentsl Alternative investmentsl Structured investments
Shaping your retirement
Together, we can work to make deci-sions that could help you movetoward the retirement you expect.Whether you are building retirementwealth or making the transition togenerating income from your assets, Ican help you develop and implementa strategy based on your vision ofretirement.l IRAs:- Traditional- Roth
l IRA rolloversl Roth conversions
Building a unique legacy
Estate planning typically bringstogether the dimensions of life: per-sonal, family, financial and charitable.I will work with you to understandthe connections between your life andlegacy goals, and work with youraccountant and attorney to help youdevelop a strategy to position yourportfolio appropriately.
Educating new generations
Helping to meet the education costsof children and grandchildren may beone of the most attractive and person-ally fulfilling investment opportuni-ties available to you. I can help youaccess appropriate investment vehi-cles 529 plans and custodialaccounts.
Meeting current liquidityand banking needs
Managing personal cash and securingliquidity for personal needs andopportunities are the day-to-dayaspects of implementing a financialstrategy. I can help you meet yourpersonal cash