The Seiler Group at Morgan Stanley Smith BarneyWealth management for current and aspiring professional athletes.

 

12 Terry DriveNewtown, Pennsylvania 18940

 

800-688-1966 / Toll-Free

215-497-7070 / Main 215-968-2289 / Fax

 

fa.smithbarney.com/theseilergroupTheSeilerGroup@mssb.com

 

3The Seiler Group

As a professional athlete, you have unique challenges when it comes to managing your wealth. Most people earn their money over the course of a 30/40 year career; yours will be much shorter. Most people earn a relatively low salary in their 20’s and 30’s; your income will be very large those years, then taper off or disappear altogether. Most people work 9-5 during the week with weekends off; you work 7 days a week. Most people work steadily year-round; you have a highly concentrated but relatively short work year.

Clearly, requirements for managing your wealth are different from most high-income individuals. That’s why the experience of The Seiler Group in working with professional athletes is particularly valuable to you.

In addition to providing comprehensive, high-touch wealth management services, we know how to work within the special circumstances of professional athletes. With our combination of experience and skill, we deliver tailored investment strategies designed to help you manage and preserve your wealth. We place high value on a relationship based on integrity, accountability, and understanding your goals and needs.

The Seiler Group at Morgan Stanley Smith Barney

MorGan STanley SMiTh Barney4

Meet the Professionals

Clockwise from top: Ryan Wayne, Nicole Morawski, Patrick Seiler, Thomas Seiler, Terri Schafer

Thomas A. SeilerSenior Investment ConsultantManaging Director - Wealth Management

As a founding member of The Seiler Group, Mr. Seiler has focused on meet-ing the sophisticated needs of today’s institutional investors since 1995. He began his career in 1990 with Mer-rill Lynch, concentrating on high net worth clients.

Drawing on more than 20 years of experience in the Financial Services industry, Tom concentrates on highly developed asset allocation and invest-ment strategies, conducts extensive research and evaluation on investment management firms, forms comprehen-sive investment policy statements and provides ongoing performance mea-surement and monitoring for client portfolios.

A graduate of Montclair University, Mr. Seiler is designated a Corporate Retirement Director at Morgan Stanley Smith Barney and honored member of the Business Owner Executive Counsel. Tom has served as an NFLPA® Financial Advisor since 2003.

Mr. Seiler currently lives in New-town, PA with his wife, Debbie, and two children, Alexa and Jake. Tom is an active member of the Ambassador Board of Saint Mary Medical Center and was recently presented with the Philanthropy award for Cerebral Palsy

5The Seiler Group

Patrick M. Seiler, CFP®, CIMA®Senior Investment ConsultantSecond Vice President

Patrick works with institutional clients (corporations, pension and profit sharing plans, 401(k) plans, and foundations), and also provides comprehensive planning to private high net worth individuals and families.

Prior to joining the financial services industry, Patrick received an honor-able discharge from the United States Marine Corp and served with the San Diego Police Department. He then began his career in the financial industry in 1995 with A. G. Edwards, later working with Merrill Lynch. Then, in 2005, he joined Morgan Stanley Smith Barney.

Already a Certified Financial Plan-ner™ (CFP®) practitioner, Patrick has also earned the prestigious designations of Certified Investment Management AnalystSM (CIMA®) from the Whar-ton Business School at the University of Pennsylvania, Chartered Retire-ment Planning SpecialistSM (CRPS®) and Chartered Retire ment Planning CounselorSM (CRPC®).

Patrick is also a member of the Ma-rine Corp League, Doylestown Free Masons, NJ State Law Enforcement Officers Association, Elks Club, Ameri-can Legion, Investment Management Consultants Association and Bucks Business Alliance.

of New Jersey. An active tri-athlete, you may see Tom training or sharing notes with some of the groups NFL® players on the best conditioning techniques in preparing for upcoming races.

Patrick, his wife Wendy, and their two children Maeve and Thomas, live in Buckingham and enjoy spending time outdoors.

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Ryan T. WayneConsulting Group Analyst

With more than 15 years of experi-ence in financial services, Ryan works with foundations, institutions, and high net worth individuals. He holds a dual Bachelor’s degree in Economics and Finance from Susquehanna University and earned his MBA in Finance from Drexel University.

Ryan’s strong analytical skills provide clients with daily guidance on both market analysis and economic trends. His primary focus is monitoring private client financial plans and their invest-ment policies and statements.

Ryan’s wife Lynda is an audiologist with a local practice, and the couple has a young daughter, Madilyn. He enjoys spending time with his family.

Nicole A. MorawskiSenior Registered Associate

Nicole began her career as a legal assis-tant, developing keen attention to detail and organization. She then entered the financial industry in 2000 as a compli-ance director at Merrill Lynch before joining The Seiler Group in 2003 as a group administrator.

Today, Nicole directs administration for all our clients’ day-to-day needs, with a strong commitment to excel-lent service.

An avid fan of ice hockey and motor-sports, Nicole also enjoys spending time with her family and traveling.

Terri L. SchaferClient Service Associate

Prior to joining The Seiler Group in 2009, Terri worked in the Operations Department at Morgan Stanley Smith Barney, handling the overall process of the entire branch office. Terri also spent ten years in retail banking, giving her a broad background in financial services and preparing her for client service administration.

Terri is responsible for all daily cli-ent administration and overall support for the group.

A resident of Bucks County with her husband, William and their three sons, Terri actively participates in family ac-tivities while also playing in a women’s softball league.

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Charting a prudent course to financial independence requires a well-conceived, personalized plan with defined long-term goals. Our wealth advisory consultative process can help you design a cohesive plan for the future that includes:

Developing Your Life Plan with The Seiler Group

Step 1: Discovery

Before our first meeting we suggest that you take a fresh inventory of your wealth, including where each asset is located and what it is worth. At that meeting, we will begin by exploring many questions to try to capture what matters most to you and fully understand what you want to accomplish with your wealth. We will talk about you, the kind of lifestyle you enjoy, what worries you and what you are passionate about. Our conversation will also explore your values, key relationships, total assets, preferred manner of communication, as well as identify the other professional advisors with whom you work. That way, our team can help you determine how all the facets of your financial situation could dovetail effectively.

Step 2: Analysis and Recommendation

Based on our discussion, the team will analyze your personal and financial

information, including liabilities, and assess risks and identify potential threats to your financial health. We will present you with a personalized plan that can help address your income and cash flow needs, borrowing requirements, asset protection, retirement planning, wealth transfer, philanthropy and other areas beyond investment management. By taking the additional time to carefully review these topics, we hope to make you comfortable with proposed invest-ment strategies and service providers before implementing your wealth plan.

Step 3: Implementation

After you have approved your wealth plan, we will work closely with you to implement it, bringing an objective approach, and paying special attention to how the various parts of your plan can affect, enhance and integrate with each other. Wherever appropriate, we will suggest seeking additional, in-depth advice on particularly complex issues we have identified, including

family-dynamics, estate planning, lend-ing, tax planning strategies and more. Whatever approach we decide on, the team will help you keep your invest-ments on track.

Step 4: Reviewing Objectives

We believe that ongoing communica-tion is a vital component of our ongoing relationship, and we are committed to keeping abreast of your changing financial needs. Your financial docu-ments provide the foundation for regular meetings, and the team will review your portfolio at your request and whenever you feel that your circumstances have changed. We will then seek to make certain that your assets are positioned according to your evolving needs. If necessary, we will suggest adjustments to your strategy to address changes in your circumstances or your objectives.

MorGan STanley SMiTh Barney10

Lifestyle management

How much is enough? To answer this question, and thus provide proper wealth management strategies, we need to discover crucial information about you and your goals.

•• What•kind•of•life•do•you•want•to•lead?•Determining•your•needs.

•• How•much•do•you•want•to•leave•to•others?•Trusts•and•other•estate•planning•structures

•• What•are•your•plans•for•retirement?•IRAs,•401(k)•plans,•equity•compensation,•other•retirement•savings•accounts.

•• What•about•your•legacy?•Charitable•trusts,•private•family•foundations,•donor-advised•funds.

Asset management

Are your assets appropriately allocated and properly diversified? We provide the services designed to help ensure that your assets are well managed.

•• Risk•analysis•and•asset•allocation•• Investment•Policy•Statement•• Stocks,•bonds,•mutual•

funds,•annuities,•options,•alternative•investments,•CDs

•• Fee-based•managed•accounts•• Mutual•funds,•investment•

manager•and•global•equity•research

Risk management

How well is your net worth, and your family, protected? We can help you protect your wealth.

•• Portfolio•diversification•• Hedging•strategies•• Life,•disability•and•long-

term•care•insurance•• Diversification•and•liquidity•

for•business•owners•• Tax•reduction•strategies

•• Identity•theft•strategies•• Guidance•on•family•dynamics

Liability management

How can you use debt within a strategy to help protect and grow your wealth? We offer a variety of services to meet your needs.

•• Lending•• Securities-backed•loans•

and•lines•of•credit•• Secured•and•unsecured•

loans•and•lines•of•credit•• Business•capital•and•

commercial•loans

We believe that holistic wealth management is most effective when it involves every aspect of your life as it relates to your assets. We look at each client’s “big picture” in terms of four different “buckets”: Lifestyle, Asset, Risk, and Liability.

The Four Pillars of Wealth Management

Morgan Stanley SMith Barney

One of the World’s Strongest Investment Organizations Stands Behind Your Financial AdvisorInformation as of 05/30/2010 unless otherwise indicated

U n p a r a l l e l e d e x p e r i e n c e .

investment insight withoUt limits.

performance that meets yoUr measUre.

Please read important disclosures on the back cover of this brochure

Business Strategies Charitable PursuitsEducation FundingEstate PlanningIntegrated PlanningInvestment ManagementLiquidity Retirement Risk Management

Financial Advisors have access to top-flight research from both Morgan Stanley and Citi, and to the center for investment excellence, a proprietary source of market research and actionable investment ideas.

research analysts

350global companies tracked

3,000

independent capital markets professionals

225

For suitable investors, a team of dedicated research analysts track alternative investmentstrategies implemented by the most sought-after fund managers.

unique strategies

200dedicatedresearch analysts

30

manager research professionals

40investment products

1,300MSSB has the most comprehensive manager dUe-diligence team in the industry.

Morgan Stanley Smith Barney is the only firm that has a sales and trading business dedicated exclusively to serving the needs of our wealth management clients.

• 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

Morgan Stanley SMith Barney

One of the World’s Strongest Investment Organizations Stands Behind Your Financial AdvisorInformation as of 05/30/2010 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.

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

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

U n p a r a l l e l e d e x p e r i e n c e . Drawing on many years of experi-ence, Morgan Stanley Smith Barney 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. Additionally, as a truly

global financial institution, we have an equally acute knowledge of financial opportunities and the potential risks.

This combination positions us to develop, structure and execute solu-tions for your most important financial needs, from accumulating wealth to investing for income, from solidify-ing retirement security to devising 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 Com-mittee develop strategies that guide the management of advisory accounts and help to inform the decisions of clients across Morgan Stanley Smith Barney.

The team is currently supported by the work of 350 analysts at two of the world’s largest investment banks, Morgan Stanley and Citi, who cover key geographic and economic sectors, as well as 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 important skills of our Financial Advisors is the ability to listen: to thoroughly understand

Please read important disclosures on the back cover of this brochure

a profoUnd Under-standing of wealth management needsBusiness Strategies Charitable PursuitsEducation FundingEstate PlanningIntegrated PlanningInvestment ManagementLiquidity Retirement Risk Management

Financial Advisors have access to top-flight research from both Morgan Stanley and Citi, and to the center for investment excellence, a proprietary source of market research and actionable investment ideas.

research analysts

350global companies tracked

3,000

independent capital markets professionals

225Morgan Stanley Smith Barney is the only firm that has a sales and trading business dedicated exclusively to serving the needs of our wealth management clients.

a strong, steady force in a changing indUstry

• 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

13

MorGan STanley SMiTh Barney14

Recognition

Notable awards within the last two years, Thomas Seiler has been recognized as the following:

• 2009 Barron’s Top 1,000• 2010 Barron’s Top 1,000• 2011 Barron’s Top 1,000

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.

© 2011 Morgan Stanley Smith Barney LLC. Member SIPC. 6658751 04/11

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.

Tax laws are complex and subject to change. 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 penal-ties that may be imposed on the taxpayer. Individuals are urged to consult their personal tax or legal advisors to understand the tax and related consequences of any actions or investments described herein.

Source: “2011 Top 1,000 Advisors,” Barron’s, February 21, 2011, “2010 Top 1,000 Advisors,” Barron’s, February 22, 2010, “2009 Top 1,000 Advisors,” Barron’s, February 9, 2009, as identified by Barron’s magazine, using quantitative and qualitative criteria and selected from a pool of over 4,000 nominations. Advisors in the Top 1,000 Financial Advisors have a minimum of seven years of financial services experi-ence. Qualitative factors include, but are not limited to, compliance record, interviews with senior management, and philanthropic work. Investment performance is not a criterion. The rating may not be representative of any one client’s experience and is not indicative of the financial advisor’s future performance. Neither Morgan Stanley Smith Barney LLC nor its Financial Advisors pay a fee to Barron’s in exchange for the rating. Barron’s is a registered trademark of Dow Jones & Company, L.P. All rights reserved.

For clients whose account is carried by Morgan Stanley Smith Bar-ney LLC, insurance products are offered in conjunction with Morgan Stanley Insurance Services, Inc. For clients whose account is carried by Citigroup Global Markets Inc., Morgan Stanley Smith Barney LLC offers insurance products in conjunction with SBHU Life Agency, Inc.

Since life insurance and long-term care insurance are medically un-derwritten, you should not cancel your current policy until your new policy is in force. A change to your current policy may incur charges, fees and costs. A new policy will require a medical exam. Actual premiums may vary from any initial quotation. Surrender charges may be imposed and the period of time for which the surrender charges apply may increase with a new policy. You should consult with your own tax advisors regarding your potential tax liability on surrenders.

Guarantees and contractual obligations are backed by the claims-paying ability of the issuing insurance company. 

Morgan Stanley Smith Barney and its Financial Advisors do not provide tax or legal advice. Individuals should consult their personal tax advisor or attorney for matters involving taxation and tax plan-ning and their attorney for matters involving personal trusts and estate planning.

Life insurance, disability income insurance, and long-term care in-surance are offered through Morgan Stanley Smith Barney’s licensed insurance agency affiliates.

Diversification and asset allocation do not guarantee a profit or protect against a loss.

The investments listed may not be suitable for all investors. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, and encourages investors to seek the advice of a financial advisor. The appropriateness of a particular

investment will depend upon an investor’s individual circumstances and objectives.

Trust and other fiduciary  services are provided by third parties, including Morgan Stanley Trust National Association,

a wholly-owned subsidiary of Morgan Stanley.The lending programs referenced within this brochure are pro-

vided by Morgan Stanley Bank, N.A., Morgan Stanley  Private Bank, National Association

Portfolio Loan Accounts are provided by Morgan Stanley Bank, N.A., an affiliate of Morgan Stanley Smith Barney LLC. All credit facilities are subject to approval by Morgan Stanley Bank, N.A. Other restric-tions may apply. Rates, terms and programs are subject to change without notice. Morgan Stanley Bank, N.A. is an Equal Housing Lender.

Tailored Lending is provided by Morgan Stanley Private Bank, National Association, an affiliate of Morgan Stanley Smith Barney LLC. All credit facilities are subject to approval. Other restrictions may apply. Rates, terms and programs are subject to change without notice. Morgan Stanley Private Bank, National Association is an Equal Housing Lender.

Securities Based Lending Risks: You must make your clients aware that securities-based loans involve a high degree of risk and that mar-ket conditions can magnify any potential for loss. Most importantly, clients need to understand that:• Sufficient Collateral must be maintained to support your client’s loan(s) and to take future advances • The client may have to deposit additional cash or marginable securities on short notice • Some or all of your clients securities may be sold without prior notice in order to maintain account equity at required collateral maintenance levels • Morgan Stanley Smith Barney or its affiliates (the Firm) reserves the right not to fund any advance request due to insufficient collateral or for any other reason • The Firm can increase your client’s collateral maintenance require-ments at any time without noticeSecurities-based loans may be called by the Firm at any time, in its discretion, regardless of whether or not an “Event of Default” has occurred. Events of Default include any of the following:• Borrower fails to pay any amount due under the Client Agreement • Failure to maintain sufficient collateral; death of borrower or any other Loan Party; filing for bankruptcy, liquidation, insolvency • Material adverse changes in financial condition of the borrower

Investment services are offered through Morgan Stanley Smith Barney LLC, member SIPC. Unless specifically disclosed in writing, investments and services offered through Morgan Stanley Smith Barney are not insured by the FDIC, are not deposits or other obli-gations of, or guaranteed by, the Bank and involve investment risks, including possible loss of principal amount invested.

Funds drawn may not be used to purchase, carry or trade margin stock, or to repay margin debt.

Morgan Stanley Smith Barney LLC. Member SIPC. Consulting Group and Investment Advisory Services are divisions of Morgan Stanley Smith Barney LLC.