the lynn-mcdermott group at morgan stanley smith … with dean witter reynolds, now morgan stanley...

The Lynn-McDermott Group at Morgan Stanley Smith Barney

RSA Battle House Tower11 North Water Street, Suite 16290, Mobile, Alabama 36602

251-470-1060 / Main

800-624-7814 / Toll-Free 251-650-1735 / Fax

www.morganstanley.com/fa/lynnmcdermottLaureen Lynn 251-470-2310 [email protected]

Mike McDermott 251-470-2311 [email protected]

Douglas Whitmore 251-470-2306 [email protected]

Susan Winters 251-470-2308 [email protected]

Donna Davis 251-470-2307 [email protected]

3The Lynn-McDerMoT T Group

As Financial Advisors, our role is to help you use your wealth to achieve what is most important to you. That may mean providing an education to children and grandchildren, buying a vacation home, meeting the special needs of a family member, retiring ten years early — the list is endless, and the decision is uniquely your own.

Together, we will explore your aspirations and the life you envision. We will work with you to translate your goals into a specific investment objective and personalized investment strategy. And then, drawing on the team’s experience — and perspective informed by the insight and resources of one of the world’s largest financial firms — we will structure a portfolio for you, executing and refining that strategy to help bring you closer to your definition of investment success.

In short, your goals become our focus, and achieving them becomes a commitment that we share.

The Lynn-McDermott Group at Morgan Stanley Smith Barney

MorGan STanLey SMiTh Barney4

Meet the Professionals

Top row: Douglas Whitmore, Mike McDermott, Donna Davis; Bottom row: Laureen Lynn, Susan Winters


Laureen Lynn, CIMA®, CPWA®Investment Management ConsultantVice PresidentFinancial Advisor Laureen began her financial advisory career with Dean Witter Reynolds, now Morgan Stanley Smith Barney in 1993 following her early retirement from IBM Corporation. She graduated from Florida State University with a BA in Applied Mathematics. She at-tended The Wharton School & The University of Chicago Booth School of Business where she received her Certified Investment Management (CIMA®) and Certified Private Wealth Advisor (CPWA®) designations. She holds the Series 7, 31, 63, 65 security licenses and the Life, Health and Vari-able Annuity licenses.

Laureen utilizes her IBM planning and consulting skills to develop wealth management strategies that help cli-ents and their families establish goals, strategize solutions and envision a clear and understandable financial path for their future.

A resident of Mobile since 1977, she is active in The Rotary Club of Mobile and serves on the Boards of Directors of the Mobile Opera, the University of South Alabama Health Services Foundation and the Alabama-West Florida United Methodist Foundation.

Mike McDermottFinancial Advisor

Mike builds customized portfolios for clients using a discipline of tactical strategies to select the appropriate blend of stocks, bonds, options and government securities. Mike began his financial advisory career in 1996 with Dean Witter Reynolds, now Mor-gan Stanley Smith Barney. He holds the Series 7, 63, 65, 31, 9, 10 security licenses and Life, Health and Variable Annuity licenses. Prior to becoming a financial advisor, Mike was a pro-fessional golfer for 6 years and for 19 years worked as an account manager for RJ Reynolds Tobacco.

A native of Daytona Beach, Florida, Mike graduated from the University of West Florida. He is an avid golfer and the proud owner of a 1987 Corvette he is currently restoring. Mike and his wife, Merle have 2 grown children and 4 young grandchildren. He enjoys his daily fitness regimen and has delivered Meals on Wheels for over 10 years.

Douglas WhitmoreFinancial Advisor

With over 10 years of experience in the financial service industry and 3 years with Morgan Stanley Smith Barney, Doug brings an insight and dedication essential to navigating today’s markets. Doug’s area of focus includes cash flow analysis, commercial and client bank-ing, and multi-generational planning. He currently holds his Series 7, 66, 31 and Life & Health Insurance licenses.

Active in the community, Doug is involved with Leadership Mobile, Make-A-Wish Foundation, Goodwill Easter Seals, St. Jude’s Children’s Research Hospital, Ronald Reagan Alzheimer’s Association and Tau Kappa Epsilon’s Leadership Academy and Educational Foundation. He also serves as a board member of the National Alumni As-sociation of the University of South Alabama.

Although born and raised in New Orleans, LA, Doug now resides in Mobile where he graduated from the Univer-sity of South Alabama with a degree in Business Administration. When out of the office, he enjoys sailing, boating and studying capital markets / economics and spending time working with the University of South Alabama.


Susan WintersRegistered Marketing Associate

Susan joined the group in 2004 with a 25 year background in the financial services industry and holds the Series 7, 66, 31 security licenses and Life, Health and Variable Annuity licenses. Her broad knowledge of every aspect of the business uniquely qualifies her as a valuable asset to the group and being fully licensed allows her to support Laureen, Mike and Doug in provid-ing financial services to their clients. Susan focuses on preparing client pre-sentations, organizing and promoting educational events and ensuring that the team’s sterling reputation, wealth management process and services are known in the community.

Born and raised in Tuscaloosa, Ala-bama, Susan spends time with her husband Doug, enjoying their two children who have blessed them with four precious grandchildren. She is a nurturer and supporter of family and friends and is active in the community through the Ashland Place United Methodist Church.

Donna B. DavisSenior Registered Client Service Associate

With over 30 years in the financial services industry, Donna began her career with The First National Bank of Mobile in 1982. She joined Dean Witter Reynolds, now Morgan Stanley Smith Barney, in 1995 and is a Senior Registered Client Service Associate. Donna holds the Series 7 & 63 security licenses and is currently studying for further licensing. In her role assisting clients and supporting financial advi-sors, her warm personality, attention to detail and exceptional client service make Donna an indispensable part of the group.

A resident of Daphne, Alabama, Donna and her husband Barry have two sons, a daughter-in-law and a young granddaughter. When away from the office, she enjoys spending time with her family, their two Chihuahua-mix rescues, gardening, reading and flower arranging. She stays active in the com-munity through the Eastern Shore Baptist Church.


Individuals work hard to build wealth in pursuit of a meaningful life for themselves and their family. Your achievements reflect substantial effort, and we will work just as hard on your behalf, committing our experience and skills to helping you achieve your unique goals for your wealth. Moreover, we will support you and your strategy by accessing the resources and perspective of one of the world’s largest financial firms.

Before our team offers specific advice, however, we must understand who you are and what you want your wealth to accomplish. Working with you, we will complete a four-step process:

1 Setting your financial objectives We will begin our relationship by lis-tening — discussing a range of topics related to your financial needs and investment objectives: long-term life goals and expectations, possible major purchases, and legacy and charitable goals, if you have them. We will discuss your current financial resources, your time horizon for various goals, your tolerance for risk — even how your li-abilities are structured. If you own a business, we also might discuss your current banking and cash manage-ment needs.

2 Developing your wealth management strategy

Based on your input, our advice will likely help address income and retirement planning, asset protection, investment management, strategic borrowing, wealth transfer and business succession. Of course, your plan will include an asset allocation strategy designed to help achieve your financial goals in light of your risk tolerance and investment time horizon.

3 Implementing your strategy After we have discussed and refined your strategy, the team works closely with you to bring the elements to life. Should we decide together that outside money managers are appropriate for you, we will draw on in-depth research and analysis to help you select from the

hundreds of investment management firms available to you. If you prefer to invest in individual securities, we can help identify specific stocks, bonds and other securities that may be suitable for your portfolio. Whatever approach we decide on, the team will help you keep your strategy on track.

4 Reviewing your performance You will receive a quarterly review that outlines your portfolio’s performance, helping you track progress toward your objectives. Moreover, when your personal situation or market conditions change significantly, we can suggest appropriate adjustments to your portfolio to help it remain aligned with your goals.

Developing Your Wealth Management Strategy

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 • Structured 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

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.

Giving back through philanthropy Many successful individuals seek op-portunities to support cultural and educational institutions, and nonprofit organizations and activities. Properly undertaken, charitable giving can pro-vide planning flexibility and benefits for you. We can help you analyze and implement a strategy that rewards you while it benefits causes you care about.

• Charitable lead and remainder trusts

• Family foundations

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.

• Credit facilities • Cash management • Retirement plans • Succession planning • Insurance

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

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

9/11 2011 -PS-2584

A Strong, Steady Force in a Changing IndustryInformation as of 08/08/2011 unless otherwise indicated

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.

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

Your Financial Advisor is your ad-vocate within our firm, an intelligent editor who selects and aligns the many capabilities of Morgan Stanley 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 often tell us that their reasoning is simple. They choose a Financial Advisor — and a firm — that mirrors the values propel-ling their own success: a commitment to perform at the highest level for their clients, with no shortcuts, compromises or excuses.

vast ExpEriEncE. Drawing on many years of experience, Morgan Stanley 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. Ad-ditionally, as a truly global financial institution, we have an equally acute

knowledge of financial opportunities and the potential risks.

This combination positions us to help develop, structure and execute strategies for your most important financial needs, from accumulating wealth to investing for income, from creating retirement reserves to devis-ing 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 Committee develop strategies that guide the management of advisory accounts and help to inform the decisions of clients across Morgan Stanley.

The team is currently supported by the work of 300 analysts at two of the world’s largest investment banks, Morgan Stanley and Citi, who cover key geographic and economic sectors, as well as 2,500 individual equity securities. You also benefit from a premier trad-ing and execution platform. Think of our 210 capital markets professionals as experienced, highly responsive and knowledgeable partners.

pErformancE that sEEks to mEEt your mEasurE. Among the most im-portant skills of our Financial Advisors is the ability to listen: to understand your financial needs and then align

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 2,500 companies all over the world.

Please read important disclosures on the back cover of this brochure

800 global locationS

CEO and Senior management team with deeP wealth management exPerience

17,600 financial adviSorS

7,000,000 client accountS

$1.7 Trillion client aSSetS

a profound undEr-standing of wEalth managEmEnt nEEdsBusiness Strategies Charitable PursuitsEducation FundingEstate PlanningIntegrated PlanningInvestment ManagementLiquidityRetirement Risk Management130 yearS of combined

exPerience

9/11 2011 -PS-2584

A Strong, Steady Force in a Changing IndustryInformation as of 08/08/2011 unless otherwise indicated

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.

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

Your Financial Advisor is your ad-vocate within our firm, an intelligent editor who selects and aligns the many capabilities of Morgan Stanley 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 often tell us that their reasoning is simple. They choose a Financial Advisor — and a firm — that mirrors the values propel-ling their own success: a commitment to perform at the highest level for their clients, with no shortcuts, compromises or excuses.

vast ExpEriEncE. Drawing on many years of experience, Morgan Stanley 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. Ad-ditionally, as a truly global financial institution, we have an equally acute

knowledge of financial opportunities and the potential risks.

This combination positions us to help develop, structure and execute strategies for your most important financial needs, from accumulating wealth to investing for income, from creating retirement reserves to devis-ing 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 Committee develop strategies that guide the management of advisory accounts and help to inform the decisions of clients across Morgan Stanley.

The team is currently supported by the work of 300 analysts at two of the world’s largest investment banks, Morgan Stanley and Citi, who cover key geographic and economic sectors, as well as 2,500 individual equity securities. You also benefit from a premier trad-ing and execution platform. Think of our 210 capital markets professionals as experienced, highly responsive and knowledgeable partners.

pErformancE that sEEks to mEEt your mEasurE. Among the most im-portant skills of our Financial Advisors is the ability to listen: to understand your financial needs and then align

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 2,500 companies all over the world.

Please read important disclosures on the back cover of this brochure

800 global locationS

CEO and Senior management team with deeP wealth management exPerience

17,600 financial adviSorS

7,000,000 client accountS

$1.7 Trillion client aSSetS

a profound undEr-standing of wEalth managEmEnt nEEdsBusiness Strategies Charitable PursuitsEducation FundingEstate PlanningIntegrated PlanningInvestment ManagementLiquidityRetirement Risk Management130 yearS of combined

exPerience

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.

© 2012 Morgan Stanley Smith Barney LLC. Member SIPC. 7272368 08/12

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 (“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.

the lynn-mcdermott group at morgan stanley smith … with dean witter reynolds, now morgan stanley...

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