The Bay Colony Group at
Morgan Stanley Smith Barney
Service Areas
Business Services
Financing – Term loans, credit lines, equipment acquisition, home equity, letter of credit, senior credit facilities commercial real estate ,securities-backed financing and
bridge/mezzanine financing
Business Banking – Commercial deposit, treasury management, lockbox, payment collection, multi-currency services and fraud protection.
Pre-liquidity and Succession Planning - Business valuation, succession distribution asset plan, estate and gift tax saving stock transfers, installment sales to family members,
retirement planning, GRAT’s, FLP’s, LLC’s, independent review of wills and estate documents.
Retirement Plans – 401(k), deferred compensation and “excess” bonus , Profit sharing, defined benefits, and SIMPLE IRA.
Risk Management – key-person, buy-sell and entity purchase agreements, business liquidity strategies, interest rate and currency hedging
Merger and Acquisition Services – Full or partial sale, recapitalization and Employee Stock Ownership Plans (ESOPs)
Comprehensive Wealth Management – Income and cash flow planning, asset protection, personal borrowing, investment management and wealth transfer
Family Wealth Services
LifeDiscovey - What is the purpose of your money? A deep discovery process to determine your values, purposes, goals and visions of the future.
LifeBlueprint – A detailed analysis and independent prospective of your current financial, estate, tax, insurance and investment plans.
LifeView Plan – A next generation goals based financial planning platform enabling us to look into the future and view asset allocations, risks, goals, cash flows.
LifeCoordination – Provide family advisor leadership by coordinating all estate, tax, insurance and investment advisors in to a cohesive collaborative group.
LifeService – A customized service plan that outlines a communication plan, monitoring and review processes, education, online and special services. We systemize the
service plan using our customized client relationship management platform to help achieve consistency and reliability.
Build.Protect.Keep.
The Bay Colony Group at
Morgan Stanley Smith Barney
Services Areas
Investment Services
Product Selection – A detailed product screening and unique scoring systems to find the most appropriate products for each client from our expansive and open platform.
Ongoing Product Due Diligence – Notification of any changes to specific products by our Morgan Stanley Smith Barney Consulting Group and The Bay Colony Group’s
custom due diligence process.
Portfolio Construction – A construction methodology using high quality risk adjusted managers that seeks to help compound returns while attempting to reduce
correlation and volatility.
Technical and Market Research – A deep focus on independent technical research in combination with fundamental research to help manage our client portfolios.
Tactical Allocation – Using our technical research to make tactical adjustments to our allocations to be opportunistic and manage risk in the portfolios.
Institutional Services
Needs Analysis – Conduct independent analysis of existing plan and a detailed needs analysis to determine objectives.
Policy – Develop a written investment-policy and spending policy statement to document specific objectives.
Asset Allocation – Develop a disciplined asset allocation strategy.
Investment Management – Select and hire appropriate investment management firms to suit specific needs.
Reporting – Customized performance reports and quarterly attribution services.
Monitoring and Review – Portfolios and managers will be review and monitored regularly and rebalanced as needed.
Service – Manage all account paperwork, including performance reports, portfolio holdings and custodial records, and may include services such as cash management, trustee
services, beneficiary record-keeping and other administrative services.
Build.Protect.Keep.
The Bay Colony Group at
Morgan Stanley Smith Barney
Advisory Team
The Team Members
David Poulin is a Senior Vice President of Wealth Management and Financial Advisor at Morgan Stanley Smith Barney. His experience comes
from over 20 years in the financial services industry. Prior to joining Morgan Stanley Smith Barney, Mr. Poulin was associated with Bear
Stearns, Robertson Stephens and Hambrecht & Quist. He holds FINRA Series 7, 63 and 31 licenses , and is insurance licensed.
Mr. Poulin earned a B.S. from Plymouth State University. He holds the holds the Certified Investment Management Analyst (CIMA®)
designation, the Certified Private Wealth Advisor (CPWA®) designation from The Investment Management Consultants Association and the
Senior Investment Management Consultant designation at Morgan Stanley Smith Barney.
Mr. Poulin works closely with clients to assess financial objectives and customize advanced wealth planning and investment strategies.
David also analyzes and selects all traditional outside money managers and products along with developing ,designing and constructing
overall portfolios for families and institutions.
Joseph Verri is a Vice President of Wealth Management and Financial Advisor at Morgan Stanley Smith Barney. Mr. Verri has more than 10
years of industry experience, spending several years at A.G. Edwards & Sons, before joining Morgan Stanley Smith Barney’s predecessor
firm in 2007. He holds FINRA Series 7, 63 and 31 licenses and is insurance licensed.
Mr. Verri graduated from the Charlton School of Business at the University of Massachusetts Dartmouth in 1992 with a Bachelor of Science
degree in Finance. He also holds the Financial Planning Specialist designation within the firm. Joe provides guidance in areas of executive
compensation, company sponsored retirement plans and advanced insurance planning, among other comprehensive planning areas. He is
actively involved in new business development within the team’s focus areas of institutions, corporate executives, business owners and
high net worth families.
David Clayman is a Senior Vice President of Wealth Management and Financial Advisor at Morgan Stanley Smith Barney. David has 13 years of
experience in the financial services industry, having spent his entire career with UBS and PaineWebber before joining Morgan Stanley Smith
Barney in 2009. He holds FINRA Series 3, 7, 63 and 66 licenses as well as the firm’s Financial Planning Specialist designation.
He is a Chartered Market Technician (CMT) as well as a candidate for the Chartered Alternative Investment Analyst (CAIA) designation in 2010
David focuses on managing risk and opportunities for clients in the financial markets. He utilizes both fundamental and technical market
analysis. His experience and expertise in alternatives strategies like commodities, hedge funds, managed futures and options provide our clients
with an additional layer of analysis and the development of advanced strategies when managing risk and opportunity. David analyzes all
alternative investment managers along with using sophisticated technical analysis to provide tactical asset allocation recommendations.
Build.Protect.Keep.
The Bay Colony Group at
Morgan Stanley Smith Barney
Advisory Team
Kimberly Van Winkle is a Senior Registered Associate and has been in the financial services industry for 13 years, having joined
Morgan Stanley Smith Barney in 2009 after 11 years of service at UBS and PaineWebber and 1 year with JP Morgan. She holds her
FINRA Series 7 and 66 licenses.
Kim manages all administrative and service functions for The Bay Colony Group.
Kimberly graduated from Framingham State College in 1996 with a BA in Communications, concentration in Corporate
Communications.
Disclaimers
Diversification does not guarantee a profit or
protect against a loss.
Morgan Stanley Smith Barney
950 Winter Street
Waltham, Ma 02451
Morgan Stanley Smith Barney LLC. Member SIPC.
June 30, 2010
Build.Protect.Keep.
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.
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 penalties 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.
Morgan Stanley Smith Barney offers insurance products in conjunction with SBHU Life Agency, Inc.