WEALTH MANAGEMENT

Your Personal CFOAs the CEO of your business, you define a vision and assemble the right team to transform that vision into reality. Part of that team is a CFO who provides specialized skills and guidance for all your financial decisions. Focused on meeting the complex needs of successful entrepreneurs, the Puget Sound Group’s primary role is to serve as your personal CFO. Our mission is to provide unbiased, unemotional guidance so you can make wise financial decisions.

Raising the BarWorking with our team, you will experience a forward-thinking approach we believe is shifting the paradigm of wealth management. Our clients view us as a consultative coach and critical member of their inner circle. We offer a distinct portfolio management approach through the use of discretionary asset management. We favor portfolios of individual stocks and bonds, adhering to traditional Benjamin Graham investment tenants. We also believe current income is an important component of the return stream. Wealth management means much more than investment management. To us, properly executed wealth management involves three critical factors:

• A comprehensive financial plan• A disciplined investment strategy• Ongoing monitoring and reviewEach of these ingredients comes together to foster the underlying support of a successful, long-term relationship: Trust. Properly executed wealth management requires a deep understanding of your values, goals, aspirations and transforming this information into a well-detailed and fully personalized strategy. Above all, it means serving as your team of advisors, so you may spend time investing in your most important asset: You and your family.

Managing Your Team of SpecialistsAs with most successful ventures, it is critical to align yourself with a team of specialists to capitalize on the best information. As your personal CFO, we will assist in constructing a team of experts and serve as the general manager, coordinating their efforts on your behalf. We work with your specialists to help them understand your priorities, making certain they are reflected in whatever outcome you wish to achieve. The creation of this team can be particularly important when crafting and executing an exit strategy.

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you,yourfamily,yourbusiness

Puget Sound Group at Morgan Stanley 601 Union Street, Suite 2900Seattle, WA 98101866-344-0169 / toll-free 206-583-2895 / direct

Puget Sound Group

“We understand the context of your overall financial picture and are here to nurture the connections between your personal objectives and business ambitions.”

Our Investment Philosophy

“Quantitative logic and qualitative analysis come together to provide balance and unity within your custom portfolio.”

quantitativelogic

qualitativelogic

• How much money will i need to retire or meet a specific financial goal?

• What rate of savings and returns are needed to reach my goals?

• Am i taking too much risk . . . or maybe not enough?

• do i have the right mix of stocks, bonds and other investments?

• What type of risk mitigation strategies do I need to offset market volatility?

• What are my life’s most important values?

• What is the driving mission for me and my family?

• When markets are volatile, am I someone who can stomach the pain or do i look for a quick remedy?

• Do I prefer to invest in companies that align with my personal values?

• What kind of legacy do i want to leave for my children and loved ones?

“Your family’s financial success is our highest priority.”

Puget Sound Group at Morgan Stanley

© 2016 Morgan Stanley Smith Barney LLC. Member SIPC. CRC 1514918 CS 8643187 09/16

Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. 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.

A Clear Path to Your GoalsAs your personal CFO, our role is to help you develop a strategy that empowers you to make informed, confident decisions about your finances. Throughout our process, we provide objective advice, specialized expertise and investment insight to deliver a comprehensive plan that is uniquely yours.

This in-depth conversation is designed to identify what is truly important to you, so we may create a customized plan fully aligned with your goals.

stepone:Discovery Meeting

1

From this ongoing dialogue, we will analyze your current situation and develop specific strategies as part of your detailed wealth management and investment plan.

steptwo: Wealth Management and Investment Plan

2

At this session, we will answer specific questions regarding the implementation of your plan and set up any desired services, such as online access, electronic delivery and automatic bill pay.

stepthree: 45-Day review

3

Ongoing meetings focus on reviewing your progress and determining any adjustments that may be necessary, based on changes in the market and your personal situation.

stepfour: regular Progress Meetings

4

We are dedicated to helping you reach your financial goals. This is reflected in the core values that serve as the foundation of our practice:

Our Core Values

entrepreneursHelpingentrepreneurs As successful practitioners of our own business, we focus on helping successful entrepreneurs build and sell their companies in today’s complex marketplace.

tHeclientalwayscomesfirst Long before the fiduciary standard was intro-duced for ERISA accounts, Puget Sound Group members already held the Certified FinancialPlanner™ designation. As CFPs we have em-braced its fiduciary standard defined as “One who acts in utmost good faith, in a manner he or she reasonably believes to be in the best interest of the client.”

trueteamapproacHOur diverse backgrounds allow us to understand the specialized needs of business owners. Our complementary strengths are supported by our cohesive investment outlook and our ability to trust one another, a critical waypoint on the path to earning the trust of our clients.

givingback We are passionate about aligning our practice with our local community, creating a mutual sense of purpose. We proudly support the following organi-zations with our time and donations:

• Boys and Girls Club of Puget Sound

• Camp Korey• Entrepreneurs’

Organization of Seattle• FareStart• Fred Hutchinson

• Invest in Youth• Navos• Seattle Humane Society• Washington Women

in Need• YWCA“Our ultimate goal is to make a real difference in your life, helping achieve

financial and spiritual success for you and future generations.”

Meet the Puget Sound GroupWe are dedicated to meeting the specific needs of you, your family and your business. Our experience, knowledge and specialized skills enable us to incorporate sophisticated investment thinking and industry best practices into the wealth management strategies we provide.

JustinJ.carpenito,cfp®Financial AdvisorAdvanced Planning, Strategic Wealth, Estate and Philanthropic Strategies

nicholasJ.paget,cfp®,cpm®Portfolio Manager Wealth AdvisorDiscretionary Portfolio Construction and Management

kareny.HendersonPortfolio AssociateOperations and Account Administration

erwins.ma,cima®Consulting Group AnalystPortfolio Analytics, Risk Mitigation, and Asset Allocation

tammyl.whiteRegistered Associate Client Service Account Management

nicolea.schafer,cfp®,cltcFinancial AdvisorFinancial Planning, Education, Retirement, Medicare, Social Security, Long-term Care, and Insurance

“Our mission is to serve as your personal CFO and to provide unbiased, unemotional guidance so you can make wise financial decisions.”