The Ocean Boulevard
Group at Morgan Stanley
Smith Barney
20807 Biscayne Boulevard
Aventura, Florida 33180
305-932-4250
 / Main
800-327-2048 / Toll-F ree 305-937-6880 / fa x
fa.smithbarney.com/theoceanboulevardgroup
The Ocean Boulevard Group
at Morgan Stanley Smith Barney
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 Financial Advisors, our role is to work
with you to help you develop a plan that lays out a clear path to your
goals — ​a plan that we 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 we 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 we talk with you about the details of
investing: how much risk makes sense, your asset allocation, and which
investments are right for your portfolio.
But that’s just the beginning. Over time, we will revise your plan to
reflect new aspirations and priorities, helping your plan keep pace as
the markets change and your life unfolds.
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Meet the Professionals
Left to right: Colleen Brooks, Richard First, Richard Knee, Steven Brooks, Gail Tavares, Betty Yee, Odalys Chapman
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Morgan S tan le y Sm i t h Barn e y
Richard M. Knee
Gail S. Tavares
Richard S. First
Financial Planning Specialist
Senior Vice President — Wealth Management
Financial Advisor
Financial Planning Specialist
Senior Vice President — Wealth Management
Financial Advisor
Financial Planning Specialist
Senior Vice President — Wealth Management
Financial Advisor
As a fully licensed investment professional for more than 40 years, Rick brings
his vast knowledge of the equity and
fixed income markets to our clients. He
focuses on technical research as well
as credit analysis for our team.
Rick is committed to long term relationships and strives to deliver excellent
client service. He listens carefully to
client’s desires, values, aspirations and
concerns; based on this input, he then
works attentively with the group to help
our clients achieve their financial goals.
Rick is an alumnus of University of
Miami with a BBA in Finance. Rick
has previously been a branch manager
for Butcher & Singer Inc. and Advest
Securities, and was the assistant Branch
Manager for the Aventura branch of
Morgan Stanley Smith Barney.
He is an avid tennis player, and football
fan. He and his wife Fran, have been
married for 45 years, and have 3 grown
children and 6 young grandsons.
Gail started her career in 1984 with Smith
Barney Harris Upham. Her extensive
knowledge of municipal bonds, annuities and insurance products together
with financial planning have made her
an incredible asset to the group. Gail,
early in her career, recognized her passion for helping people make the right
financial choices. She continues to take
financial industry courses in order to
expand her knowledge. Retirement
planning has always been her focus.
Gail strongly believes in the value of
a comprehensive plan, and the execution of it.
Gail and her husband Dennis have
been married for over 30 years and
have 2 grown sons. Gail loves Tai chi
classes and spending time with her
extended family.
Richard has an extensive background in
municipal bonds. He began his career in
1979, and has been with Smith Barney
since 1994. He focuses on constructing investment portfolios for high net
worth clients who strive to limit the
amount of risk while working to meet
the client’s objectives. Richard has always based his business on long term
relationships, and constant referrals
from his existing clients.
Originally from Boston Mass, Richard
attended Northeastern University &
Boston University. He came to South
Florida in 1972. Richard is an avid tennis player and a huge Florida Panther’s
fan. He is married to Ronni and they
live in Aventura.
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Steven E. Brooks
Colleen D. Brooks
Odalys M. Chapman
Financial Planning Specialist
Vice President — Wealth Management
Financial Advisor
Financial Planning Specialist
Registered Marketing Associate
Registered Associate
Steven has focused his talents on serving
the investment needs of high-net-worth
clients. He is responsible for the equity
planning and assists in the tactical asset
allocation design. Steven uses his years
of experience, knowledge and insight of
the equity markets in assisting clients
to achieve their financial goals.
Steven came to Florida in 1979 after
graduating from Farleigh Dickenson
University with a Bachelors Degree in
Accounting. Steve enjoys playing classical guitar, and weight training. He and
Colleen have been married since 1985.
Colleen started her career at Merrill
Lynch in 1982 in operations. She came
to Smith Barney in 1994 and in 1997 she
received her Series 7 designation. She
is the education savings coordinator
for the group and believes strongly in
college planning. Colleen feels comprehensive financial planning is the
key to a client’s financial success. Her
extensive background in operations
continues to help the group today with
her organization skills and follow up
with administrative issues.
Colleen is a native Floridian, and
has strong roots in the community. She
volunteers with many charities in South
Florida, and has served on the Board
for Joe DiMaggio Children’s Hospital
Foundation, and March of Dimes. She
volunteers weekly at Joe DiMaggio
Children’s Hospital bringing her Maltese
dog to visit the children bedside. Colleen is also very involved with Rotary
International, and currently serving as
an Assistant Governor. She and Steven
have been married since 1985.
Odalys began her career in the financial
services business in 1993 at Credit Suisse
– First Boston. She moved to Morgan
Stanley Smith Barney in 2003 and is a
key member of The Ocean Boulevard
Group. She specializes in the administration and operations needs of the team.
Odalys received her Associate of Arts
degree from Miami-Dade Community
College and has earned her Series 7,
63, 3, 9 and 10 registrations. She is also
fluent in Spanish.
Odalys devotes much of her time in
her son’s activities in school and his
Boy Scouts of America Troop. In her
free time she enjoys watching movies,
camping and spending time outdoors.
Morgan S tan le y Sm i t h Barn e y
Betty M. Yee
Senior Client Service Associate
Betty started her financial services career
in 1999, and has been a key member of
the Ocean Boulevard Group since its
inception. Betty received her Bachelor
of Sciences degree in business management from Northeastern University in
Boston, MA. Previously a medical office
manager, she is integral in working with
the Ocean Boulevard clients in accounts
servicing and client communications.
Her strength in administration is a key
component in maintaining and building
client relationships.
Her outside interests include enjoying our beautiful beaches, shopping,
travel, art, music & movies
Developing Your Wealth
Management Strategy
Individuals work hard to build wealth in pursuit of a meaningful life
for themselves and their family. Your achievements reflect substantial
effort, and we will work just as hard on your behalf, committing our
experience and skills to helping you achieve your unique goals for your
wealth. Moreover, we will support you and your strategy by accessing the
resources and perspective of one of the world’s largest financial firms.
Before our team offers specific advice,
however, we must understand who you
are and what you want your wealth to
accomplish. Working with you, we will
complete a four-step process:
1 Setting your financial objectives
We will begin our relationship by listening — discussing a range of topics
related to your financial needs and
investment objectives: long-term life
goals and expectations, possible major
purchases, and legacy and charitable
goals, if you have them. We will discuss
your current financial resources, your
time horizon for various goals, your
tolerance for risk — even how your liabilities are structured. If you own a
business, we also might discuss your
current banking and cash management needs.
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Morgan S tan le y Sm i t h Barn e y
2 Developing your wealth
management strategy
Based on your input, our advice will
likely help address income and retirement
planning, asset protection, investment
management, strategic borrowing, wealth
transfer and business succession. Of
course, your plan will include an asset
allocation strategy designed to help
achieve your financial goals in light
of your risk tolerance and investment
time horizon.
3 Implementing your strategy
After we have discussed and refined
your strategy, the team works closely
with you to bring the elements to life.
Should we decide together that outside
money managers are appropriate for
you, we 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, the team will help you keep
your strategy on track.
4 Reviewing your performance
You will receive a quarterly review that
outlines your portfolio’s performance,
helping you track progress toward your
objectives. Moreover, when your personal
situation or market conditions change
significantly, we can suggest appropriate
adjustments to your portfolio to help it
remain aligned with your goals.
For Life’s Most
Important Goals
With an experienced professional
and the right resources, reaching
your most important goals can
be less challenging and more
rewarding. We are ready to
help you meet your goals, by
combining our insight into your
needs with the resources of
Morgan Stanley Smith Barney.
Setting a confident course
Thorough, thoughtful planning — ​planning 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. We will work with you
to explore and define your objectives
and needs, and then structure a plan
that is uniquely your own.
•• Retirement planning
•• Education 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 us 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
Shaping your retirement
Together, we can work to make decisions that could help you move toward
the retirement you expect. Whether
you are building retirement wealth or
making the transition to generating
income from your assets, we can help
you develop and implement a strategy
based on your vision of retirement.
•• IRAs:
–– Traditional
–– Roth
•• IRA rollovers
•• Roth conversions
business and personal objectives. And,
should circumstance require it, we can
use the access to banking services of
Morgan Stanley Smith Barney.
•• Credit facilities
•• Cash management
•• Retirement plans
•• Succession planning
•• Insurance
while thinking strategically about how
approaches may affect current and longterm costs and taxes.
•• Home finance
•• Lending services
•• Debt restructuring
•• Securities-backed loans
Protecting your wealth
Insurance can play a critical role in
virtually any comprehensive financial
strategy, helping you to protect the value
of your assets, protect your income
and your family’s financial security — ​
Educating new generations
even perform important functions in
Helping to meet the education costs a business succession or estate plan.
of children and grandchildren may be We can help you analyze your current
one of the most attractive and person- insurance portfolio and work to update
ally fulfilling investment opportunities your coverages to fulfill personal and
available to you. We can help you ac- strategic goals.
cess appropriate investment vehicles — ​ •• Life and disability income insurance
529 plans and custodial accounts.
•• Life insurance trusts
•• Key-person insurance
Strengthening your business
Meeting current liquidity
The links between business owner- and banking needs
ship and personal wealth are many and complex. Whether your objective Managing personal cash and securing
is to grow your business, realize its liquidity for personal needs and opvalue through a succession strategy portunities are the day-to-day aspects
or sale, or maintain family ownership of implementing a financial strategy.
by the next generation, we can exam- We can help you meet your personal
ine your alternatives in light of both cash management and borrowing needs
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Risk Management
The 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?
Retirement
When 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?
Integrated Planning
Decisions 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?
Education Funding
Will I be able to pay for
a good education for
my children — and my
grandchildren?
Business Strategies
How do I manage my
personal wealth with
so much tied up in my
company?
Investment Management
I have so many goals
and priorities. How can
one investment strategy
balance them all?
Liquidity
I can predict some
expenses, but others
I know I can’t. How
can I plan to have
the cash I need?
You Benefit From a Profound
Understanding of the Full Range of
Wealth Management Needs
Estate Planning
Making sure my
estate goes to
the people and
organizations I care
about is a priority.
How do I transform
my assets into a
legacy?
Charitable Pursuits
The charities I support
are like extended
family. How do I
maximize the good I
can accomplish?
A CULTURE of
EXCELLENCE
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.
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.
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 solutions for your most important financial
needs, from accumulating wealth to
investing for income, from solidifying retirement security to devising a
distribution approach that meets your
lifestyle and legacy goals.
investment insight withoUt
limits. As a client, you have access
•
•
•
•
•
•
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
U n par alle le d e xpe ri e nce .
Drawing on many years of experience, 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
to the strategic and tactical views of
some of the world’s most seasoned and
respected investment professionals. The
members of our Global Investment Committee 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 trading 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
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 investment 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.
one of the world’s
strongest investment organizations
stands Behind yoUr
financial advisor
Financial Advisors have
access to top-flight research
from both Morgan Stanley
and Citi. Combined, they
analyze and track the
progress of more than
3,000 companies all over
the world.
Morga n S ta n le y SM i t h Ba rn e y
13
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.
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Morgan S tan le y Sm i t h Barn e y
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.
Asset allocation and diversification do not guarantee a profit or
protect against loss.
Morgan Stanley Smith Barney LLC (“Morgan Stanley 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, in© 2011 Morgan Stanley Smith Barney LLC. Member SIPC.
vestments 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 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. 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.
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