The Pusch Peak Group
at Morgan Stanley
Pusch Ridge is primarily made up of three distinct peaks, including (from
southwest to northeast in orientation) Pusch Peak, Bighorn Mountain, and
Table Mountain. Pusch Peak is the westernmost point in the Santa Catalina
Mountains, and rises in elevation over 2,000 feet to a peak elevation of
5,361 feet. Bighorn Mountain rises to an elevation of 5,633 feet at the summit.
Table Mountain rises in elevation to 6,265 feet.¹ CRC1370819
7175 N. Pima Canyon Drive
Tucson, AZ 85718
520-519-2300
 / MAIN
800-347-3130 / TOLL-FREE 520-519-2358  / FAX
www.MorganStanleyFA.com/
thepuschpeakgroup
Left to right: Carol Ann Ruehl, Dan Treiber, Alicia Morimoto
THE PUSCH PEAK GROUP
3
Dan Treiber
First Vice President
Financial Advisor
Dan Treiber is a native Tucsonan, graduating from the University of Arizona in
1978 with a Bachelor of Science degree
in Business Administration.
He joined E.F. Hutton & Company
in 1979 as a Financial Advisor and has
worked for Morgan Stanley since 1988.
Dan and his wife, Shari, both have family ties to Tucson dating back to the
1920s and 1930s. They have raised two
children, both of whom reside in the
Tucson community as well.
4
MORGAN STANLEY
Dan’s life’s work has been to assist,
educate and encourage his clients to
create investment strategies tailored
to fulfill their goals. Dan focuses on all
aspects of portfolio management including equities, fixed income, alternative
strategies and options in both taxable
and retirement planning accounts.
Our corporate home away from home
is Morgan Stanley’s Deerfield branch
near Chicago, Illinois, where the team
spends several weeks each year meeting
with friends and clients.
Carol Ann Ruehl
Financial Advisor
Ca rol A n n Ruehl sta r ted at
Morgan Stanley in 2004 as a Client
Service Associate. Prior to becoming
a Financial Advisor, she was a Financial Planning Associate and a Portfolio Associate. She has aided clients in
understanding the importance of asset
allocation as well as using strategies
designed to mitigate risk while still
achieving financial goals.
Carol is originally from Easthampton, Massachusetts, moving to Tucson,
Arizona in 2001 with her husband,
Michael, and their two children. Son,
Kristopher, has recently accepted a
position as a software developer at
General Motors. Daughter, Stephanie,
graduated with a Master’s Degree in
Chemical Engineering from the University of Arizona.
Carol is active in many ministries
at her church. She currently serves as
Chair of the Stewardship Council and
is also a Religious Education Teacher.
She enjoys spending time with family
and friends, traveling, and improving
her skills on the gun range.
THE PUSCH PEAK GROUP
5
Alicia Morimoto
Client Service Associate
Alicia Morimoto was born in Tucson,
Arizona, and raised in Obregon, Mexico.
She earned her Associate’s degree in
Science at Pima College and her Bachelor’s degree in Industrial Engineering from the University of Arizona. As
part of a study-abroad program during
high school she spent a year in Calgary,
Canada. She also spent one summer
in Nanjing, China, taking a course in
global economy.
6
MORGAN STANLEY
She has been working at
Morgan Stanley since 2014 as a Client
Service Associate. As such, Alicia assists
clients with their financial transactions
and online services. She also handles
telephones, mailing and the filing and
processing of forms.
In 2013 Alicia married her best friend,
Roberto Corella.
She loves to travel and spend time
with friends and family.
Our Core Values
Since our founding in 1935, Morgan Stanley has consistently
delivered first-class business in a first-class way. Underpinning
all that we do are four core values.
“Our DNA, our culture and our history
are rooted in serving our clients”
- James Gorman
Putting Clients First
• Always keep the client’s
interest first
• Working with colleagues to deliver
the best of the Firm to every client
• Listen to what the client
is saying and needs
Doing the Right Thing
• Act with integrity
• Think like an owner to create
long-term shareholder value
• Value and reward honesty,
collegiality and character
Leading With Exceptional Ideas
• Win by breaking new ground
• Let the facts and different points
of view broaden your perspective
• Be vigilant about what
we can do better
Giving Back
• Be generous with your expertise,
your time and your money
• Invest in the future of our
communities and our Firm
• Mentor our next generation
THE PUSCH PEAK GROUP
7
Creating Your Wealth Plan
To be truly effective, your wealth plan must reflect
the totality of your personal and financial life. Our role
is to help ensure that your investment objectives are
consistent with pressing financial concerns and your
long-term aspirations.
These four steps were developed to
achieve that goal:
1 Setting your financial objectives
Through a process of discovery and
discussion, we will work with you to
articulate your aims for your wealth.
Together, we will examine your current
and future liabilities, income sources
and cash flow needs, and then consider
factors that might influence your overall strategy, including tolerance for
risk, tax concerns, liquidity needs and
time horizon. Through careful analysis,
the team will look for potential gaps
that may exist between you and your
goals, and develop strategies to help
smooth the path.
8
MORGAN STANLEY
2 Creating your strategy
Working from our understanding of you
and your objectives, we will propose
a wealth plan that contains specific
strategies designed to help meet those
goals. Our advice may encompass issues
such as retirement planning, business
continuation, tax minimization potential and wealth transfer. You will also
receive an asset allocation strategy
designed to provide diversification for
your portfolio.
3 Implementing your strategy
After discussing and refining your strategy, we will work closely with you to
bring the elements to life. Should we
decide together that outside money
managers are appropriate for you, the
team will draw on in-depth research
and analysis to help you select from the
hundreds of investment management
firms available to you. If you prefer to
invest in individual securities, we can
help identify specific stocks, bonds and
other securities that may be suitable for
your portfolio. Whatever approach we
decide on, we will help you keep your
strategy on track.
4 Reviewing objectives
and performance
We view ongoing communication as
the foundation of our successful collaboration with you. We will make
every effort to keep abreast of your
changing financial needs and provide
viable strategies to help you meet them.
This means reviewing your portfolio
together at your request. When your
circumstances change, we will work
with you to revise your strategy and
reposition your assets to reflect your
new needs and goals.
Our investment philosophy is attributed to legendary
investor Jesse Livermore (1877-1940) and his rules
(For Capital Gains).
Nothing new occurs in the business of speculating or investing
in securities.
Money cannot consistently be made trading every day or every
week during the year.
Don’t trust your own opinion and back your judgment until the action
of the market itself confirms your opinion.
Markets are never wrong; opinions often are.
As long as a stock is acting right, and the market is right, do not be
in a hurry to take a profit.
One should never permit speculative ventures to run into investments.
The money lost by speculation alone is small compared with the gigantic
sums lost by so-called investors who have let their investments ride.
Never sell a stock because it seems high-priced.
Never buy a stock because it has had a big decline from its previous high.
Never average losses.
The human side of every person is the greatest enemy of the average
investor or speculator.
Wishful thinking must be banished.
Big movements take time to develop.
If you cannot make money out of the leading active issues,
you are not going to make money out of the market as a whole.
The leaders of today may not be the leaders two years from now.
Morgan Stanley Dean Witter U.S. and the Americas Investment Research Tactics
and Techniques, 2000.
2000 Morgan Stanley Dean Witter & Co.
10
MORGAN STANLEY
1
https://en.wikipedia.org/wiki/Pusch_Ridge
This material does not provide individually tailored
investment advice. It has been prepared without
regard to the individual financial circumstances
and objectives of persons who receive it. The
strategies and/or investments discussed in this
material may not be suitable for all investors.
Morgan Stanley Wealth Management recommends
that investors independently evaluate particular
investments and strategies, and encourages investors to seek the advice of a Financial Advisor.
The appropriateness of a particular investment or
strategy will depend on an investor’s individual
circumstances and objectives.
M o r g a n S t a n l e y S m i t h B a r n e y L LC
(“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.
The views expressed herein are those of the
author and do not necessarily reflect the views
of Morgan Stanley Wealth Management or its
affiliates. All opinions are subject to change
without notice. Neither the information provided
nor any opinion expressed constitutes a solicitation for the purchase or sale of any security. Past
performance is no guarantee of future results.
Asset allocation and diversification do not
guarantee a profit or protect against a loss in a
declining financial market.
Information contained herein has been obtained
from sources considered to be reliable, but we do
not guarantee their accuracy or completeness.
Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not
a bank. Where appropriate, Morgan Stanley
Smith Barney LLC has entered into arrangements
with banks and other third parties to assist
in offering certain banking related products
and services.
Investment, insurance and annuity products
offered through Morgan Stanley Smith Barney
LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK
DEPOSIT | NOT INSURED BY ANY FEDERAL
GOVERNMENT AGENCY.
© 2016 Morgan Stanley Smith Barney LLC. Member SIPC.
CRC1347358 CS 8448694 01/16