Craig RosenbergPortfolio ManagerFirst Vice PresidentFinancial Advisor

300 East Front StreetSuite 300, Traverse City, Michigan 49684

231-932-7212 / Main

800-530-9979 x212 / cell 231-941-5820 / fax

craig.rosenberg@ms.comfa.morganstanleyindividual.com/craig.rosenberg

As the financial world becomes more complex and investment choices multiply, careful planning becomes ever more important to helping you achieve your financial goals. As a Financial Advisor, my role is to work with you to help you develop a strategy that lays out a clear path to your goals — a strategy that I develop in collaboration with you, and one that you can follow with confidence in the face of the market’s ups and downs.

Together, we will explore a broad range of topics that are likely to influence your financial future — from your family situation to your career aspirations, from likely education expenses to the retirement you ultimately envision. What I learn will become the foundation for a financial and investment strategy based on who you are and where you want to go. Only then will I talk with you about the details of investing: how much risk makes sense, your asset allocation, and which investments may be appropriate for your portfolio.

But that’s just the beginning. Over time together we will revise your strategy to reflect new aspirations and priorities, helping your strategy keep pace as the markets change and your life unfolds.

3craig rosenberg

My Background

5craig rosenberg

Craig RosenbergPortfolio ManagerFirst Vice PresidentFinancial Advisor Craig Rosenberg, Portfolio Manager, First Vice President/Financial Advisor with Morgan Stanley, has been advising clients on how to preserve and manage their wealth for over 27 years. Business owners, corporate executives, retirees and medical professionals rely on him to develop financial strategies.

Craig currently holds 6 securities licenses held at Morgan Stanley, and is licensed to offer insurance products and services in 7 states. After grow-ing up in southwestern Michigan, he graduated with honors from Michigan State University in 1985. After gradua-tion, Craig and his wife Mary spent 10 years in Denver and Colorado Springs. They returned to Traverse City with their two children where Craig remains active as a community volunteer while

pursuing his hobbies of golf, basketball, bicycling and travel.

Affiliations • Vice President, Board of Trustees,

Old Town Playhouse Traverse City • Traverse City Rotary • Traverse City Chamber

of Commerce • Economic Club of Traverse City • Former Director, CPA/Law

Forum of Traverse City • Former President, Traverse City

West High School Athletic Boosters

“…I focus on developing comprehensive asset management programs and strategies for individuals who struggle to find the time to adequately manage their portfolios…”

The Way I Do Business

When advising clients, Craig utilizes a comprehensive and disciplined approach to wealth management, focusing on key areas such as asset allocation, retirement planning, income enhancement strate-gies, insurance issues, legacy planning and tax reduction strategies. When necessary, Craig will draw upon the vast resources and extensive knowledge of Morgan Stanley’s various departments to help clients resolve tax and estate planning concerns, insurance issues and business succession plans.

“…My mission is to help clients achieve their financial goals throughout their lives by providing proactive, objective advice coupled with a high level of service…”

Craig believes that striving for solid in-vestment returns are but one important factor of a successful asset management program. Other critical issues that de-termine a client’s long-term success include managing risk, market volatility, principal preservation and appropriate distribution strategies.

Practice Focus

• Risk Management • Comprehensive Wealth

Management • Individual and Business

Retirement Plans • Legacy Planning • Retirement Plan Rollovers • Asset Allocation and

Portfolio Strategies • Alternative Investment Strategies • Fixed Income

Enhancement Strategies • Company Stock Options • Restricted Company Stock • Insurance and Annuity Services • Business Succession Planning • Lending Services • Alternative Investments

6 Morgan stanley

With an experienced professional and the right resources, reaching your most important goals can be less challenging and more rewarding. I am ready to help you with your goals, by combining my insight into your needs with the resources of Morgan Stanley.

For Life’s Most Important Goals

8 Morgan stanley

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. I will work with you to explore and help define your objectives and needs, and then structure a wealth plan that is uniquely your own.

• Balance sheet analysis • 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 me 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

*Alternative and structured investments involve risk and are not suitable for all investors.

Shaping your retirement Together we can work to make decisions that could help you move toward your retirement. Whether you are build-ing retirement wealth or making the transition to generating income from your assets, I can help you develop and implement a strategy based on your vision of retirement.

• Traditional IRAs • Roth IRAs • IRA rollovers • Roth conversions

9craig rosenberg

Giving back through philanthropy Many successful individuals seek op-portunities to support cultural and educational institutions, and non-profit organizations and activities. Properly undertaken, charitable giv-ing can provide planning flexibility and benefits for you. I 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 • Donor advised funds

Building a unique legacy Estate planning typically brings to-gether the dimensions of life: personal, family, financial and charitable. I will work with you to understand the con-nections between your life and legacy goals, and work with your accountant and attorney to help you develop a strategy to position your portfolio appropriately.

Access to Banking and Lending Services Managing personal cash and securing liquidity for personal needs and oppor-tunities can be an important part of an overall wealth management strategy. I can provide access to banking and lending services to help you address your personal cash management* and borrowing needs while thinking stra-tegically about how approaches may

affect current and overall goals and objectives.

• Access to banking and lending services

• Debt restructuring • Securities-based lending

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. I can help you access appropriate investment vehicles such as education savings programs and custodial accounts.

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 examine your alternatives in light of both business and personal objectives.

• Access to banking and lending services

• Cash management services* • Retirement plans • Strategic consulting

and transactions • Succession planning

* The term “cash management services” does not imply that investments are managed by your Financial Advisor.

Morgan Stanley 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’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.

10 Morgan stanley

© 2013 Morgan Stanley Smith Barney LLC. Member SIPC. 7491096 03/13

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.

Morgan Stanley Smith Barney LLC (“Morgan Stan-ley 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, investments 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 affili-ates 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.