The D'Oliveira-Frick-Dutra Group Morgan Stanley Smith Barney · The D'Oliveira-Frick-Dutra Group at...

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The D'Oliveira-Frick-Dutra Group at Morgan Stanley Smith Barney

Transcript of The D'Oliveira-Frick-Dutra Group Morgan Stanley Smith Barney · The D'Oliveira-Frick-Dutra Group at...

Page 1: The D'Oliveira-Frick-Dutra Group Morgan Stanley Smith Barney · The D'Oliveira-Frick-Dutra Group at Morgan Stanley Smith Barney Managing wealth involves far more than managing an

The D'Oliveira-Frick-Dutra GroupatMorgan Stanley Smith Barney

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7530 Parker RoadFairhope, AL 36532

251-990-2939/ MAIN

877-886-1777/ TOLL-FREE 251-650-1378/ FAX

www.morganstanley.com/fa/[email protected]

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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

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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 São Paulo Braziland received his Bachelor of BusinessAdministration Degree from Escolade Administracao de Empresas de SãoPaulo. 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.

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5THE D'OLIVEIRA-FRICK-DUTRA GROUP

Tod E. Frick, CIMA®, CFP®

Senior 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. He’s 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, CRPC®

Financial 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 Bachelor’s 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.

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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 herBachelor’s 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 Bachelor’sDegree 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.

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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 world’s 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.

Developing YourWealthManagementStrategy

MORGAN STANLEY SMITH BARNEY8

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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.

DiscoverPlan

ImplementReview

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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

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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 management and bor-rowing needs while thinking strategi-cally about how approaches mayaffect current and longterm costs andtaxes.l Home financel Lending servicesl Debt restructuringl Securities-backed loans

11THE D'OLIVEIRA-FRICK-DUTRA GROUP

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You Benefit From a Profound Understanding of the Full Range of Wealth Management Needs

Investment ManagementI have so many goals and priorities. How can one investment strategy balance them all?

Charitable PursuitsThe charities I support are like extended family. How do I maximize the good I can accomplish?

Estate PlanningMaking sure my estate goes to the people and organizations I care about is a priority. How do I transform my assets into a legacy?

Integrated PlanningDecisions about both assets and liabilities need to be made in the framework of important life goals. What steps are also the most tax efficient? How can a strategic approach to banking and lending simplify my financial life and maximize the value of what I own?

LiquidityI can predict some expenses, but others I know I can’t. How can I plan to have the cash I need?

RetirementWhen I retire, it will affect just about everything that matters: my lifestyle, my company, my family. Is there a way to plan for retirement that takes it all into account?

Business StrategiesHow do I manage my personal wealth with so much tied up in my company?

Risk ManagementThe ups and downs of the markets is just one kind of risk—but so is not protecting my assets and my family. How do I protect what I care about most?

Education FundingWill I be able to pay for a good education for my children—and my grandchildren?

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MORGAN STANLEY SMITH BARNEY

A CULTURE ofEXCELLENCE

OVER THE YEARS, YOU HAVE MADE MANY FINANCIAL DECISIONS.ONE IN PARTICULAR IS LIKELY TO HAVE A LASTING IMPACT

ON YOUR WELL BEING AND THAT OF YOUR FAMILY:THE CHOICE OF A FINANCIAL ADVISOR.

your financial needs and then align theresources to meet them. Your FinancialAdvisorcanhelpyouevaluateimmediateconcerns and plan for long-term goals,be a sounding board for your invest-ment ideas, assist you in developing andexecuting a strategy that is preciselyyour own and help deliver performanceresults that meet your needs.

YourFinancialAdvisorisyouradvocatewithinourfirm,anintelligenteditorwhoselects and aligns the many capabilitiesof Morgan Stanley Smith Barney for you,delivering the right resources to you inthe way that is most appropriate for howyou invest and what you want to achieve.

Investors who choose Morgan StanleySmith Barney often tell us that theirreasoning is simple. They choose aFinancial Advisor�—�and a firm�—�that mirrors the values propelling their ownsuccess: a commitment to perform at the highest level for their clients, withno shortcuts, compromises or excuses.

UNPARALLE LED EXPER I ENCE .Drawing on many years of experi-ence, Morgan Stanley Smith Barneyunderstands the importance of shapingrelationships that reflect client needs,preferences and aspirations.

Our firm and Financial Advisors havean in-depth understanding of virtuallyall the challenges, goals, preferences,styles and strategies that distinguishwealthyinvestors.Additionally,asatruly

global financial institution, we have anequally acute knowledge of financialopportunities and the potential risks.

This combination positions us todevelop, structure and execute solu-tions for your most important financialneeds, from accumulating wealth toinvesting for income, from solidify-ing retirement security to devising adistribution approach that meets yourlifestyle and legacy goals.INVESTMENT INSIGHT WITHOUT

LIMITS. As a client, you have accessto the strategic and tactical views ofsome of the world’s most seasoned andrespected investment professionals. ThemembersofourGlobalInvestmentCom-mittee develop strategies that guide themanagement of advisory accounts andhelp to inform the decisions of clients across Morgan Stanley Smith Barney.

The team is currently supportedby the work of 350 analysts at two of the world’s largest investment banks, Morgan Stanley and Citi, who cover keygeographicandeconomicsectors,aswellas 3,000 individual equity securities. You also benefit from a premier trad-ing and execution platform. Think of our 225 capital markets professionals as experienced, highly responsive and knowledgeable partners.PERFORMANCE THAT MEETS YOUR

MEASURE. Among the most importantskills of our Financial Advisors is theabilitytolisten:tothoroughlyunderstand

ONE OF THE WORLD’SSTRONGEST INVEST-MENT ORGANIZATIONSSTANDS BEHIND YOURFINANCIAL ADVISORFinancial Advisors have access to top-flight researchfrom both Morgan Stanley and Citi. Combined, theyanalyze and track the progress of more than 3,000 companies all over the world.

A STRONG, STEADYFORCE IN A CHANGINGINDUSTRY

• CEO and senior team with deep wealth management experience

• 130 years of combined experience

• 900 global locations• 18,000 financial advisors• 7 million client accounts• $1.5 trillion client assets

Please read important disclosures on the back cover of this brochure

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Morgan Stanley Smith Barney strives to offer clients the finest infinancial thinking, products and execution to help them meet theirindividual needs and achieve their personal financial goals. When wework together, you’ll benefit from personalized advice, objective guid-ance and dedication to your success as an investor. With access toMorgan Stanley Smith Barney’s renowned global resources andinvestment opportunities, we can help you develop and maintain anoptimal investment strategy. Our wealth management strategy willaddress key areas of your financial life beyond traditional investmentsand may incorporate diverse recommendations for building and pro-tecting your wealth.

MORGAN STANLEY SMITH BARNEY14

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© 2011 Morgan Stanley Smith Barney LLC. Member SIPC. 132488 08/2011

Morgan Stanley Smith Barney LLC, its affiliates and MorganStanley Smith Barney Financial Advisors do not provide tax or legaladvice. This material was not intended or written to be used for thepurpose of avoiding tax penalties that may be imposed on the tax-payer. Clients should consult their tax advisor for matters involvingtaxation and tax planning and their attorney for matters involvingtrust and estate planning and other legal matters. Morgan StanleySmith Barney offers a wide array of brokerage and advisory servic-es to its clients, each of which may create a different type of rela-tionship with different obligations to you. Please contact us tounderstand these differences.

Morgan Stanley Smith Barney LLC (Morgan Stanley SmithBarney) is a registered brokerdealer, not a bank. Where appropriate,

Morgan Stanley Smith Barney has entered into arrangements withbanks and other third parties to assist in offering certain banking-related products and services. Unless otherwise specifically dis-closed to you in writing, investments and services offered throughMorgan Stanley Smith Barney, member SIPC, are not insured by theFDIC,are not deposits or other obligations of, or guaranteed by,banks and involve investment risks, including possible loss of prin-cipal amount invested.

Asset allocation and diversification do not guarantee a profit orprotect against loss.