Innovative Wealth Management and Financial Planning

The Haas-Compass Group atMorgan Stanley

31099 Chagrin Boulevard3rd Floor, Pepper Pike, OH 44124

216-390-4900 / MAIN

800-892-6126 / TOLL-FREE 216-360-4990 / FAX

https://fa.morganstanley.com/thehaascompassgroup/haascompassgroup@morganstanley.com

The Haas-Compass Group atMorgan Stanley

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At The Haas-Compass Group, we strive to be the best choice forindividuals, families and institutions that share our comprehensive

philosophy towards managing wealth and value a customized approach.We are firmly committed to providing our clients with innovative, value-added financial planning and investment management services. We takethe time necessary to truly understand each client’s evolving financialconcerns and objectives as we guide them through changing market

environments. By gaining a deep understanding of our clients’ goals, weare able to plan, structure and execute strategies that help clients

meet and exceed their financial objectives. Our ideal role is to be theleader of each client’s financial and wealth management team.

3THE HAAS-COMPASS GROUP

Meet the Professionals

From left to right; Gloria Walas, Gary Patterson, Brian Isroff, and Laura Sonderman

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Brian D. IsroffPortfolio Management DirectorSenior Vice President - Wealth ManagementFinancial Advisor

Brian joined the firm in 2006. Hecame to the team after spending 12years at National City Bank where hewas the President and SeniorManaging Director of Sterling PrivateInvestments, NCB’s alternativeinvestment subsidiary. Prior to thatposition, Brian was a VP and SeniorAttorney in the Law Department atNCB (where he acted as lead engage-ment counsel for all of NCB’s WealthManagement units). Brian earned aBS in Economics and Finance fromMiami University in 1985 and a JDfrom Cornell University Law Schoolin 1988. Brian serves as our team’ssenior portfolio manager. He lives inSolon, Ohio with his wife, Louise, andthey have three adult children.

5THE HAAS-COMPASS GROUP

Gary R. PattersonSenior Investment Management ConsultantSenior Vice President - Wealth ManagementFinancial Advisor

Gary is a Financial PlanningSpecialist with Morgan Stanley andserves as the Haas-Compass Group’sbusiness manager. He has been at thefirm for 30 years, earning accoladesfor his effective financial planning. Heholds FINRA Series 3, 7, 63 and 65licenses and is a licensed Life, Healthand Variable Products agent. He istrained in a range of topics includingretirement planning, education plan-ning, income and estate tax planningand investment planning. Garyearned a BS in Psychology from theUniversity of California, SantaBarbara in 1977. He lives in JunoBeach, FL with his wife, Wendy, andthey have two adult children. Heworks out of the North Palm Beachoffice of Morgan Stanley.

Gloria A. WalasInvestment Management ConsultantFirst Vice President - Wealth ManagementFinancial Advisor

Gloria Walas is a First VicePresident – Wealth Management andan experienced Financial Advisor atMorgan Stanley in the Pepper Pikeoffice. With 38 years of industryexperience, Gloria focuses on helpingclients create and preserve wealththrough a variety of financial servicestailored to their needs includingdevelopment and implementation ofcorporate benefits programs and exe-cution and maintenance of invest-ment strategies for endowments, highnet worth families and individuals.An Ohio native, Gloria earned herB.A. in Finance from KentState University. She is also anAccredited Investment Fiduciary™with the Center for Fiduciary Studiesin association with the University ofPittsburgh.

Laura F. SondermanFinancial Planning SpecialistFinancial Advisor

Laura Sonderman joined MorganStanley in 1995 and works out of thePepper Pike Ohio office. Laura offerscomprehensive wealth managementservices to private and institutionalinvestors in the areas of retirementplanning, risk management, invest-ment management, and estate plan-ning. With 22 years of experience, sheplans and implements wealth man-agement strategies designed to helpclients build, preserve and transferwealth. A Pennsylvania native, she isa graduate of York Technical Institutewhere she earned her A.A.S. degree inAccounting. Laura lives in OrangeVillage with her husband Patrick anddaughters, Adelaide and Ava.

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Wil HaasRelationship ManagerSenior Vice President - Wealth ManagementFinancial Advisor

Wil joined the firm in 1968 and isthe founding member of the Haas-Compass Group at Morgan Stanley.He has been a consistent President’s,Chairmen’s or Director’s Councilmember at the firm for many yearsbased on the level of his business. Wilholds FINRA Series 1, 3, 5, 63 & 65licenses and is a licensed Life andVariable Products agent in the statesof Florida and Pennsylvania. Wilearned a BA in Mathematics fromWestern Reserve University and a JDfrom Western Reserve LawSchool. He also served as a first lieu-tenant in US Air Corp from 1943 to1945 and was stationed in the SouthPacific. Wil lives in Boca Raton withhis wife, Sharon. He has three daugh-ters and two grandchildren.

Patricia EubankFinancial Planning AssociateWealth Management Associate

Patti joined the Haas-CompassGroup in 1988. With 35 years of indus-try experience, she brings a wealth ofknowledge and dedicated service toour team. She is FINRA Series 7General Securities Licensed andSeries 63 licensed as UniformSecurities Agent and also holds thedesignation of Financial PlanningSpecialist with Morgan Stanley.

Patti leads the Haas-CompassGroup’s administrative and opera-tional service team in Palm BeachGardens, FL. In addition, Patti is in aclient facing role with an emphasis onmarketing, client management andcatering to the specific needs of ourhigh net worth clients. Patti lives inBoca Raton, Florida with her husbandTim and has two grown daughters.She works out of the Palm BeachGardens, Florida office of MorganStanley.

Rickita OwensSenior Registered Associate

Rickita has been with MorganStanley since 2006 and joined theHaas-Compass Group in 2009.With 11 years of industry experience,she provides exceptional support andassistance to high net-worth clients ofthe team. She is responsible foradministrative and operational sup-port, retirement plan processing andaccount maintenance. She and ourother senior client service associateswork together to consistentlyimprove our internal processes andprocedures for the benefit of ourclients.

Rickita is FINRA Series 7 GeneralSecurities licensed and Series 63licensed as Uniform Securities Agent.She received her Bachelor of Sciencein Business Management fromIndiana Wesleyan University in 2011.Rickita lives in Cleveland, Ohio withher daughter, Kiera.

7THE HAAS-COMPASS GROUP

Jennifer PilarczykSenior Client Service Associate

Jennifer joined the Haas-CompassGroup at Morgan Stanley in 2016 andhas been with Morgan Stanley since2000. With 17 years of industry expe-rience, she supports our team in serv-icing clients and ensuring the opera-tions and administrative side of theteam runs smoothly. She works close-ly with our other associates to helprefine the internal procedures for ourclients.

Jennifer is currently workingtowards her FINRA Series 7 license.Jennifer lives in Huntsburg, Ohiowith her husband, Ty.

Elizabeth CarpenterSenior Client Service Associate

Elizabeth joined the Haas-Compass Group at Morgan Stanley in2016 and has been with MorganStanley since 2008. With 16 years ofindustry experience, she supports ourteam in servicing clients and ensuringthe operations and administrativeside of the team runs smoothly. Whileworking with our other associates shestrives to consistently improve ourinternal processes and procedures forthe benefit of our clients.

She is FINRA Series 7 licensed.Elizabeth currently lives in PalmBeach Gardens with her puppy, Gina,and she enjoys reading and spendingtime with family.

Jennifer MunchWealth Management Associate

Jennifer joined the Morgan StanleyHaas-Compass Group in February of2017. She has over five years of indus-try experience. She is FINRA Series 7General Securities licensed as well asSeries 66 licensed (NASAA UniformCombined State Law Examination).

Jennifer received her Bachelors inBusiness Administration with a con-centration in Finance from Kent StateUniversity in 2011. Her main respon-sibilities include facilitating teamoperations, research and data analy-sis, and special projects.

Jennifer currently resides inUniversity Heights, OH with her sig-nificant other, Nick, and their dog,Murphy.

For Life's Most Important Goals

With experienced professionals and the right resources, reaching yourmost important goals can be less challenging and more rewarding. Weare ready to help you meet your goals, by combining our insights intoyour needs with the resources of Morgan Stanley.

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. We 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 planning strategiesl Multigenerational planning

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.

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,we can help you develop and imple-ment a strategy based on your visionof retirement.l IRAs:- Traditional- Roth

l IRA rolloversl Roth conversions

Building a unique legacy

Estate planning strategies typicallybrings together the dimensions of life:personal, family, financial and chari-table. We will work with you tounderstand the connections betweenyour life and legacy goals, and workwith your accountant and attorney tohelp you develop a strategy to posi-tion your portfolio 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. We can help youaccess appropriate investment vehi-cles — 529 plans and custodialaccounts.

Giving back through philanthropy

Many successful individuals seekopportunities to support cultural andeducational institutions, and nonprof-it organizations and activities.Properly undertaken, charitable giv-ing can provide planning flexibilityand benefits for you. We can help youanalyze and implement a strategy thatrewards you while it benefits causesyou care about.

9THE HAAS-COMPASS GROUP

The financial markets are dynamicand unpredictable. We work tocounter that inherent uncertaintyby taking a proactive, consultativeapproach rooted in a deepknowledge of your needs anddreams, risk tolerance and yourtime horizon. Drawing on our owninsight, as well as MorganStanley’s global research, we areable to make informedrecommendations and design aflexible investment managementplan that is uniquely yours.

1 Establish goals, objectives and risktolerance

Wisdom That IsAnything butConventional

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2 Develop an asset allocation strategy andinvestment strategy documents

3 Construct a portfolio and executethe investment strategy

4 Monitor progress and make neces-sary adjustments

GoalsStrategy

ConstructMonitor

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RETIREMENTPLANNING

l Lifestyle reviewl Risk reviewl Pension and/or social

security benefitsanalysis

l Retirement accountassessment

l Retirement incomeplan

l Beneficiary reviewl Health

care/medicare planning

Whatever your goals — income,borrowing, risk management,charitable giving, just to name afew — designing a holistic wealthmanagement plan is our toppriority. Drawing on our owninsight, as well as MorganStanley’s global research andexperienced financialprofessionals, we are able tomake informed recommendationsand propose a flexible plan that isuniquely yours.

Your Life and YourLegacy

Comprehensive Wealth Management Services

INVESTMENTSERVICES ANDPERSONALINVESTING

l Asset allocation advicel Investment advisory

programsl Capital markets

servicesl Traditional brokerage

FAMILY NEEDSPLANNING

l Financial planningl Education planningl Special needs child

assessment andplanning

l Planning for supportof aging parents

EXECUTIVECOMPENSATIONMANAGEMENT

l Concentratedstock services(monetizing, hedging)

l Rule 10b5-1trading plans

l Stock option strategiesl Restricted securities

(liquidation and riskmanagementalternatives)

l Assist in estateand financialplanning (particular toexecutive compensation management)*

BUSINESSSUCCESSIONPLANNING

l Business needs reviewl Cash management and

capital needsassessment

l Business valuationl Succession plan

funding

ACCESS TOBANKINGAND LENDINGSERVICES

ESTATEPLANNING

l Giftingl Charitable givingl Asset titlingl Estate tax

funding strategiesl Family dynamics/family

meeting

*Team will help assist with both in-house and outside advisors. CRC#410872 31810559 07/2017

The Haas-Compass Group is committed to providing qualityinvestment advice and honest, professional service to our clients.

Our goal is to help clients create and protect their wealth. Weidentify advantageous opportunities and analyze all relevant datato help make informed investment decisions. We communicate ourideas and advice in a timely manner. This is in accordance withyour timeline and risk parameters and in furtherance of yourdefined and customized financial plan.

Ethics and integrity will always be our top priorities when providingadvice that will help you live out your dreams.

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© 2017 Morgan Stanley Smith Barney LLC. Member SIPC. 31810559 07/2017

This material does not provide individually tailored investmentadvice. It has been prepared without regard to the individual finan-cial circumstances and objectives of persons who receive it. Thestrategies and or investments discussed in this material may not besuitable for all investors. Morgan Stanley Smith Barney LLC recom-

mends that investors independently evaluate particular investmentsand strategies, and encourages investors to seek the advice of aFinancial Advisor. The appropriateness of a particular investment orstrategy will depend on an investor's individual circumstances andobjectives.

CRC 1829468