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HOW WE WORK WITH YOU Within, you will find a description of our philosophies and processes, analyses, structure, and many of our organizational capabilities. We invite you to ask us any questions that may come to mind. Thank you for your interest and we look forward to speaking with you. Joseph Bummer, Jordan Walters, Kurt Carrasquilla, Lawrence Lo JORDAN WALTERS Senior Vice President – Wealth Management Financial Advisor 408. 947. 2203 LAWRENCE LO Consulting Group Analyst 408. 947. 2243 Morgan Stanley Smith Barney LLC. Member SIPC. KURT CARRASQUILLA Vice President – Wealth Management Financial Advisor 408. 947. 2296 JOSEPH BUMMER Financial Planning Analyst 408. 947. 2272
OUR MISSION With utmost integrity, to deliver the highest level of professional service to our clients, those individuals who have entrusted us with their financial future. “It is the embodiment of our practice, day in and day out. We will never underestimate the importance of every action, earning our clients’ trust. ” - Jordan Walters “I know clients’ assets are hard-earned and our emphasis is on preservation and growth. It is an honor to counsel and assist each client in planning their life decisions. ” - Kurt Carrasquilla “Our mission empowers us to confidently and steadfastly move forward with our clients’ best interest in mind. ” - Lawrence Lo “Clients’ trust and confidence result from dedicated, responsive and professional teamwork. This is the core of our mission. ” - Joseph Bummer
Optimal financial consulting results from years of industry experience, academic achievement and tireless effort, combined with an emotional desire to assist others in achieving their own destiny. Jordan has been with the Firm and its predecessors since 1986. His clients include high net -worth individuals and families, closely held businesses and not-for-profit entities. Assisting his clients in investment policy formulation, outlining strategic and tactical allocations and overseeing execution to plan, Jordan’s experience and understanding have led to numerous honors and awards including Smith Barney’s Director’s Council, the distinction of Senior Advisor, Wealth Management, and recently, an invitation to the Barrons’ Top Financial Advisors Summit in New York. Originally from Los Angeles, Jordan earned a BS in Business/Accounting from the University of Southern California and an MBA with a concentration in Finance from the Wharton School of Business. Prior to joining Morgan Stanley Smith Barney, Jordan was a practicing CPA with an international accounting firm and worked for a NYSE listed laser company. Jordan wrote the original long-term strategic plan for Spectra Diode Labs, a Spectra Physics/Xerox joint venture, later to have gone public and ultimately acquired by a competitor. A proud Rotarian for over two decades, Jordan is passionate about giving back to the community. His enthusiasm is evident in his years of active participation in organizations including the San Jose Leadership Council and the Martinson Child Development Center. Additionally, he has been elected, appointed and recognized for his leadership roles in such groups as the Y Adventure Guides and the San Francisco Bay Area Wharton Alumni Association. Jordan, his wife Joanne, and their two sons, Joseph and Jonathan, reside in Saratoga, California. Each year they go to great lengths to plan an enjoyable and educational vacation for their family. As they witness their sons maturing, Jordan and Joanne take pride in discussing and delineating specific values with their own children and adopting their family principles of responsibility, accomplishment, involvement and philanthropy. Jordan Walters Senior Vice President – Wealth Management
Kurt was recruited to Morgan Stanley Smith Barney in 1993 and assists clients with all aspects of their Financial Planning from portfolio construction to life planning. In addition to being a Vice President of Wealth Management, he has earned the designation of Senior Investment Management Specialist. This coveted distinction is awarded to Financial Advisors, by the Consulting Group, who have exemplified a comprehensive understanding and thorough knowledge of professional asset management. Prior to Morgan Stanley Smith Barney, he worked in Corporate Finance for a Silicon Valley technology company. Kurt saw all sides of the business from its start-up phase to the initial public offering. Originally from the Bay Area, Kurt holds a BS in Finance (San Jose State University), an MBA in Finance (Golden Gate University), a Certificate in Personal Financial Planning (University of California, Berkeley) and was a graduate in Wharton’s first class of the Private Wealth Management Program (University of Pennsylvania). Kurt Carrasquilla Vice President – Wealth Management Kurt has time and again demonstrated a strong commitment to his profession and community. He currently volunteers or has served in leadership positions with the following organizations: Pat Tillman Foundation (Advisory Board), CFP Program University of California, Berkeley (Advisory Board Chair), Pi Kappa Alpha Alumni Advisory Board (President), Financial Management Association - Silicon Valley Chapter (President), Youth Re: Action Corps - Leland High School (Mentor Board Chair). Since 1998, Kurt has taught the Investments course in their highly regarded Financial Planning Program for the University of California, Berkeley. While at Berkeley he has won multiple teaching excellence awards. In 2009, Kurt developed and taught the inaugural Essentials of Wealth Management course for Stanford University in their Continuing Studies Program. Additionally, his biography has been published in the directory of Who’s Who of Professionals and Who’s Who in America. Kurt lives in San Jose, California and cherishes time spent with his sons Kyle and Connor.
Lawrence began his career with Jordan Walters and Kurt Carrasquilla in 1998. During his tenure, Lawrence has developed professionally having passed the series 7, 63 and 65 examinations. The breadth of his responsibilities include portfolio management, asset allocation analyses, investment policy development, proactive strategic discussions and, as with all team members, client contact and excellent responsiveness. Prior to joining Morgan Stanley Smith Barney, Lawrence gained extensive management experience and communication skills while working in the retail service industry. He aptly combines a wonderful attitude with this experience in his daily client interactions. As a graduate of San Jose State University with a BS in Business/Finance, Lawrence is committed to the pursuit of continued study. He has earned the designation of Consulting Group Analyst after completing a comprehensive advanced training program. Additionally, Lawrence has been awarded the title of Wealth Advisory Specialist after completing extensive coursework, passing a rigorous exam and fulfilling significant annual continuing education requirements. Lawrence is a Bay Area native and enjoys the diversity, attractions and spirit within the community. He and his wife Ina live in Daly City, California with their daughter and son. Lawrence has been involved with a variety of charitable events, passionately donating his time and giving back to those in need. Annually, he participates in the Sports for the World’s Children Benefit Tournament, helps serve food during the holiday season at St. Anthony’s in San Francisco and coaches the youth softball team at his church. Lawrence Lo Consulting Group Analyst
Joseph was recruited in 2000 and has since surpassed all of our expectations. Drawing from his years of industry experience, Joseph brings a wealth of knowledge to our team and clients. In addition to his daily pursuit of precision, timeliness and proactive attention for our clients, he is well versed in our financial planning processes and investment strategies. Before joining Morgan Stanley Smith Barney, Joseph earned a BS in Business Administration with a concentration in Finance from San Jose State University. In pursuit of furthering his education, Joe has completed coursework in the Certified Financial Planner Program at the University of California, Santa Cruz. Joseph Bummer Financial Planning Analyst In addition, he earned the “Financial Planning Analyst” designation after successfully completing the firm’s rigorous and lengthy examination. He has obtained several securities licenses, including the Series 7 , 63 and 65. He continues to strengthen his understanding of sophisticated and complex strategies, expanding and deepening his knowledge base. Originally from the Midwest, Joseph has lived in San Jose since 1986. He resides in the Evergreen Community with his three children, Hattie, Hannah and Jameson. He is an avid contributor to his community and enjoys volunteering his time for others. In addition to spending quality time with his family and community, he enjoys outdoor sporting activities including a persistent, though challenging, effort to lower his handicap on the golf course.
Nicholas has been in the financial services industry since 2004 starting his career at Bank of America. He was promoted quickly and ultimately supervised a fast paced, highly respected team at the bank. Nicholas was then recruited to Morgan Stanley Smith Barney and continues to build upon his industry knowledge and experience. With hard work and vigor in mind, Nicholas is committed to precision and diligence in our clients’ daily operational needs. With a Business/Finance degree from San Jose State University, Nicholas strives to utilize his academic foundation to better assist clients on a daily basis. Additionally, he recently obtained his Series 7 and 66 licenses. As a San Francisco native, Nicholas enjoys the Bay Area’s diverse community. Although he lives in San Jose, he makes frequent trips to San Francisco to spend time with his family and friends. Outside of the office, he is an avid sports enthusiast and enjoys following the Giants, 49 ers, and Warriors year round. Nicholas has a very charitable spirit and volunteers his time with various non-profit organizations in the community. Nicholas Chin Registered Client Service Associate
Our relationships with our clients venture far beyond simple investing. They span the test of time and market cycles. We take time to get to know you, understand your desires and gain insight into your short-term needs and long-term goals. The relationship often transcends professional services, with a primary focus on life’s broader issues. Before accounts are opened or investments analyzed, we set time aside to determine your objectives and your risk tolerance. Only after understanding what is truly important to you, can we begin to craft an appropriate financial plan. WHAT YOU CAN EXPECT FROM US Once we fully comprehend your overall financial standing, we thoroughly review all existing holdings utilizing the latest software programs, economic and market data and allocation models available to create a portfolio specifically designed to help you meet your objectives. We then discuss this proposal with you and any advisors you wish, providing a complete understanding of its financial ramifications. If you agree with our recommendations, the plan is implemented and continuously monitored. While discussing potential returns, we believe that it is equally important to quantify commensurate risks. Our comprehensive plan illustrates both performance and the volatility associated with those returns. Whether we employ institutional portfolio managers for particular asset classes or design a customized portfolio identifying various securities, we take to heart our responsibility to track ongoing performance and suggest changes as market conditions dictate. We are able to offer a full complement of services to help you manage your way to a better financial future. Our clients include wealthy individuals and families, not-for-profit organizations and small to mid-size companies. As part of one of the largest financial institutions in the world, we have tremendous resources ranging from private banking and liability management to fluid investment in domestic and foreign securities to various complex derivative strategies. Through ongoing dialogue and attention to detail, we focus on meeting your needs. As always, we welcome your questions and would appreciate the opportunity to discuss this with you in greater detail.
REFERRAL DRAFT INVESTMENT POLICY STATEMENT PERSONAL FINANCIAL STATEMENT APPOINTMENT CUSTOMIZED ANALYSES ASSET ALLOCATION MODEL WEALTH PLANNING FLOWCHART CREATE FAMILY MISSION STATEMENT DEVELOP PHILANTHROPIC MISSION STATEMENT INTERGENERATIONAL DEVELOPMENT CONTACT/ DIALOGUE ESTATE PLANNING/ OTHER FORUMS Contacts PERSONALIZ E PLATFORM/ PWM INVESTMENT ANALYSES FORMALIZE ADVISORY NETWORK RESEARCH ANALYSES Strategic Decision Making Action FOLLOW-UP REVIEWS A CLIENT-CENTERED PROCESS BUILT ON TRUST
Jordan B. Walters Kurt F. Carrasquilla Senior Vice President – Wealth Management Financial Advisor Joseph R. Bummer Lawrence Lo Nicholas Chin Financial Planning Analyst Consulting Group Analyst Registered Client Service Associate AT YOUR SERVICE CONSULTING GROUP EQUITY STRATEGY LENDING PRIVATE BANK FIXED IINCOME STRATEGY EQUITY TRADING ESTATE PLANNING EXECUTIVE FINANCIAL SERVICES
Wealth Management Services Senior Advisors and their teams are prepared to meet the ever-evolving needs of individuals and families with substantial wealth. This consultative business model espouses best-in-class counsel in core components of the financial services industry. Wealth Management adopts a product neutral approach in delivering the breadth and depth of multiple platforms such as family governance, philanthropic planning and tactical discussions, discretionary portfolio management, estate and financial planning, lending, risk management strategies, fine art advice and alternative investments. Morgan Stanley Smith Barney brings together organizations with extraordinary individual capabilities that further enhance and complement each other. Working with a Wealth Advisor, ultra high net-worth clients have access to an extensive array of services that are customized to help them meet their needs and objectives including: • Dedicated service, support and resources • Direct access to senior professionals across multiple disciplines, who will devise customized strategies • Priority administrative assistance to expedite matters • Complementary account service enhancements to ease daily financial management requirements Wealth Management training and client-centered approach incorporates rigorous academics, extensive technical skills and years of practical experience. The Wealth Advisor and team seek to combine a keen personal interest with professional experience in order to appropriately address the issues facing today’s most affluent private clients and corporate executives. Wealth Management’s focus is to better manage the complex personal and financial issues that wealth bestows. WHAT ARE WEALTH MANAGEMENT SERVICES
WEALTH MANAGEMENT SERVICES PLANNING FINANCIAL PLANNING • Estate Planning • Retirement Planning • Education Funding Analysis • Business Plan Review ESTATE PLANNING • Outside Investment Evaluation • Stock Plan Analysis • Cash Flow Analysis INSURANCE PLANNING • Legacy Planning • Dynasty Trust • Charitable Remainder Trust • Donor Advised Fund (CRT) • Philanthropic Planning • Grantor Retained Annuity • Trusteeship/Co-Trusteeship • Life Insurance • Long Term Care Insurance • Annuities • Disability Insurance Trust (GRAT) • Family Limited Partnership (FLP) BANKING PRIVATE BANKING • Cash Management • Check Writing • Money Transfers • Electronic Bill Payment LENDING • ATM, MSSB Online • Home Mortgage and Access, FMA, Accel Program Equity Lines • Tailored Lending • Commercial Lines CONCIERGE SERVICES • Aircraft Loans • Art Lending • Construction Financing • Travel & Rewards • Priority Pass Membership • 24 -hour Card Service • Complimentary • Citigroup Chairman Card Companion Airline Tickets • Personal Assistant Services INVESTMENT MANAGEMENT ASSET MANAGEMENT • Non-Proprietary and Proprietary High Net-Worth/ Institutional Portfolio Managers • Strategic Fixed Income Investing • Customized Asset Selection and Optimization • Alternative Investments - Hedge Funds - Private Equity - Managed Futures - Structured Investments - Opportunistic Investments - Venture Capital - Real Estate Funds RISK CONTROL & LIQUIDITY • Hedging & Monetization - Calls & Puts - Equity Collar - Pre-Paid Forward Sales - Contingent Forward Sales • Advice on Concentrated and Restricted Stock/Options • Exchange Funds • Global Capital Markets and Trading
Often times clients are not aware of the full scope of our services. We believe we are different from other advisors in our goal to deliver a superior experience. Our consultative approach often extends well beyond client investment accounts at Morgan Stanley Smith Barney. We are respectful of your time and honored by your trust. Listed below are some of the benefits we provide our high net-worth clients as part of our ongoing relationship: ANALYSES • Outside account evaluation • Top down sector analysis • Employee stock option strategy • Pension reviews • Educational planning • Estate planning • Business plan reviews • Retirement planning and allocation recommendation SERVICE • Cohesive unit • Family Profile update and storage • Knowledgeable and experienced in estate processing • Extended office hours and availability • Cost basis input and reconstruction • Consolidation of accounts • Expeditious legal transfer • Effective processing of reorganization items COUNSEL • Family dynamics • Personal, one-on-one discussions • Intergenerational development • Unbiased opinions • Sounding board for outside investments (i. e. real estate, partnerships, private company stock) We strive to answer your phone call within three rings. • Business planning • Industry exit strategy and discussion • Career counseling • Coordination of professional counsel • Extensive industry knowledge and compassionate understanding ABOVE AND BEYOND
HONORED BY REFERRALS Since 1986, 100% of our clients have opened the door to our offices by way of referral. A client who refers their parents, children, co-worker or friend signifies the highest compliment for our services. As professionals, we consider the honor of a referral the most significant of rewards. We are always there with heightened responsibility and compassionate professional understanding. If you should know of anyone who might benefit from our services or have questions about life planning, please have them call us. We will be pleased to answer any of their questions and are honored by your referral.
A Morgan Stanley Smith Barney (MSSB) relationship does not have to be established or maintained to obtain the products or pricing offered as part of the MSSB Home Loan Program at Citibank or Morgan Stanley Credit Corporation (MSCC). A default (stopping monthly payments) on a mortgage could result in the loss of pledged real estate, securities or both. All home loans and home equity lines of credit are made by MSCC, Citibank, N. A. , or Citi. Mortgage, Inc. , equal housing lenders, and are subject to the respective lenders’ mortgage underwriting standards. Citi. Mortgage does business as Citicorp Mortgage in NM. Citibank, N. A. , and Citi. Mortgage, Inc. , are subsidiaries of Citigroup, Inc. MSCC is a subsidiary of Morgan Stanley. MSSB is a subsidiary of both Citigroup, Inc. and Morgan Stanley. Our policy does nor permit clients to use the proceeds of a home loan to invest in securities or other investments through MSSB or its affiliates. Neither you nor the respective lender pay any fee for the services of MSSB in connection with the MSSB Home Loan Program. If a loan closes with MSCC, Citibank, N. A. , or Citi. Mortgage, Inc. , MSSB may credit the Financial Advisor with a sales credit of up to seven tenths of one percent (0. 7%) of the principal amount of the loan. The MSSB Home Loan Program only includes certain mortgage products offered by MSCC, Citibank, N. A. , or Citi. Mortgage, Inc. There are frequently other lenders available with similar loan products. You are free to shop around to determine that you are receiving the best services and the best rate for these services. Arizona Mortgage Broker License No MB-0910887; Licensed by The Department of Corporations under the California Finance Lenders Law; Licensed by the New Hampshire Banking Department; Licensed by the New Jersey Department of Banking and Insurance; Registered Mortgage Broker-NYS Banking Department. Mortgage brokers may not make loans. Morgan Stanley Smith Barney LLC and its affiliates do not provide tax or legal, advice. To the extent that this material or any attachment concerns tax matters, it is not intended to be used and cannot be used by a taxpayer for the purpose of avoiding penalties that bay be imposed by law. Any such taxpayer should seek advice based on the taxpayer’s particular circumstances from an independent tax advisor. FMA® is a registered service mark of Citigroup Global Markets Inc. DISCLAIMER