The Osprey Group | West Palm Beach, FL | Coral Springs, FL

Total Tax 365 Overview

Alternative Investments

Investing with Impact

Introduction to Investing

Credit and Debt Management

Goal Setting and Budgeting

Direct Indexing

Exchange Funds

Intelligent Withdrawals

From Grit to Vision

Location

777 S Flagler Drive

Suite 700E

West Palm Beach

,

FL 33401

US

Direct:

(561) 650-7548(561) 650-7548

Toll-Free:

(800) 327-6322(800) 327-6322

2825 N University Drive

Ste 400

Coral Springs

,

FL 33065

US

1747 Pennsylvania Avenue NW

Suite 900

Washington

Portfolio Associate

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About Thomas C Smith

Tom has been in the wealth advisory business since 1993, and has focused on helping clients with reaching their financial goals and objectives by creating a disciplined and streamlined financial planning process. Tom has been a Certified Financial Planner™ since 2003. After graduating from Radford University in Radford, Virginia, with a Bachelor of Arts degree in Political Science, Tom went on to earn his MBA from Florida International University. Tom grew up in the Washington DC area, specifically in Vienna, Virginia. Tom’s passion besides helping clients to achieve their dream’s, is spending time with his family and friends, golfing, exercising, and being active in his community by volunteering and supporting various non-profit organizations.

Securities Agent: DC, RI, TN, OR, OH, NE, MI, MA, GA, AL, VT, VA, TX, NM, NH, ME, MD, CA, UT, MT, MO, CO, WA, NV, MS, IN, IL, HI, DE, PA, AZ, NY, SC, CT, OK, AR, NJ, NC, LA, FL; BM/Supervisor; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1255302

About Rock A Tate

Beginning his financial career as a Municipal Bond Broker at J.B. Hanauer, Rock transitioned to Morgan Stanley’s Wealth Management division to pursue his career as a Financial Advisor in 1982. Rock serves individuals and businesses and has focused on helping families transition through significant life changes. Rock is a graduate of Brown University with a degree in Economics and currently resides in Lantana, FL with his wife, Lyn. Rock enjoys golf, tennis, gardening and cooking in his spare time and is involved in a variety of community and charitable activities.

Securities Agent: UT, VT, NM, LA, RI, TN, AR, SC, ME, MD, HI, CA, OR, OH, NH, NC, MS, MO, WV, NV, DC, CO, WA, OK, CT, AZ, NJ, VA, MI, IN, IL, GA, TX, PA, MT, FL, DE, AL, NY, MA; BM/Supervisor; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 1278723

About Melissa Gerdes

Melissa Gerdes is a Financial Advisor and Financial Planning Specialist at Morgan Stanley. She started her career in finance in 2011 with JP Morgan Chase Bank where she specialized in Private Client Banking in West Boca Raton, Florida, and joined Morgan Stanley in 2016. As a partner of the Osprey Group, Melissa focuses on the management of client relationships with an emphasis on goals based planning, inter-generational wealth transfer and tax efficiency, with a great interest in impact investing.

Prior to her joining the finance industry, she was an opera singer and has her Doctorate in Music from Florida State University and her Master of Music from New England Conservatory in Boston. She lives in Coral Springs with her husband, an opera singing martial arts instructor, and their three children. She is firmly committed to giving back to her community, and is passionate about educating and empowering women to be the authors of their own financial journeys. She sits on the board and is actively involved with the mentorship program of the Go For The Greens Foundation, an organization committed to connecting women-owned businesses and future business leaders with business growth opportunities.

Securities Agent: NM, RI, UT, SC, OK, NC, MI, GA, DC, FL, CO, VA, NH, NE, MS, CA, OR, MA, IN, AZ, VT, PA, NJ, ME, AL, AR, TX, OH, NV, MT, HI, WA, TN, DE, NY, MO, MD, CT, LA, IL; General Securities Representative; Investment Advisor Representative
NMLS#: 845925

About Jennifer Landgraff

Jennifer Landgraff is a Financial Advisor and Financial Planning Specialist at Morgan Stanley, where she is a key member of The Osprey Group. With more than two decades of experience spanning mortgage lending, private banking, and financial services, Jennifer brings a unique perspective to helping clients build long-term, purpose-driven financial plans.

Prior to joining Morgan Stanley, Jennifer built a nationally recognized career in residential lending. She was consistently honored for her leadership and performance, earning distinctions such as Leader’s Club (2023), Market All Stars (2023 & 2024), Chairman’s Club (2017–2021), and Circle of Excellence (2015–2016). She was also named among the Scotsman Guide’s Top National Lenders and Mortgage Executive Magazine’s Top 1% of Mortgage Originators in America for seven consecutive years.

Her ability to blend strategic thinking with genuine care for her clients makes her an invaluable resource for individuals and families navigating investment decisions, major life transitions, retirement planning, and legacy building.

Jennifer is equally committed to her community. She is the founder of D.C. Wise (Women in Solidarity for Empowerment), a local nonprofit that supports women and children in the Washington, D.C. area. She served on its board from 2014 to 2019 and remains an active advocate for women-focused philanthropy.

She holds a Bachelor’s Degree in Business Administration and Economics from North Carolina State University.

Securities Agent: CO, RI, NV, MI, ME, AZ, VA, TX, MS, OH, MO, CT, SC, MT, HI, GA, AL, NC, LA, WA, OR, OK, NJ, DC, CA, UT, IN, FL, TN, NM, NH, IL, DE, AR, VT, PA, NY, MD, MA; General Securities Representative; Investment Advisor Representative
NMLS#: 76617

About Teresa Athas

Teresa Athas is a Portfolio Associate. Her focus is to provide exceptional client service. She began her career with Morgan Stanley in 2000 after 19 years with Republic Security, formerly First Federal of the Palm Beaches in the role of Branch Manager, Assistant Vice President. She graduated magna cum laude from Northwood University with an Associated degree in Business Management. She holds her series 7 and 66 licenses. Living in Florida, Teresa enjoys the outdoors and spending quality time with her family and friends.

The Power of Partnerships

By partnering with experienced individuals across wealth disciplines, Morgan Stanley Financial Advisors can align specialized resources with your custom needs and deliver strategic guidance through the familiarity and trust of existing relationships

Rob Ward

Private Banker

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Aaron Kahn

Planning Associate

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About Rob Ward

Rob Ward is a Private Banker serving Morgan Stanley Wealth Management offices in Florida.

Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.

Rob began his career in financial services in 2001, and rejoined Morgan Stanley in 2019. Rob has over 8 years of experience as a Private Banker at the firm. Prior to joining the firm, he was a Client Advisor with Seaside National Bank & Trust. He also served as a Wealth Management Banker at Merrill Lynch and an Institutional Fixed Income Sales Representative at Vining Sparks IBG, LLP.

Rob is a graduate of Florida State University, where he received a Bachelor of Science in Business Management. He lives in Fort Lauderdale, Florida with his family. Outside of the office, Rob enjoys spending time with family, watching Florida State football, and being outdoors.

NMLS#: 799983

About Aaron Kahn

Aaron Kahn is a Planning Associate at Morgan Stanley providing dedicated financial planning support to Financial Advisors and their teams. Operating as an extension of the FA/Team, he collaborates with clients to discover and define the goals that matter most to them. Leveraging state of the art technology, he will evaluate various options and their potential outcomes to help clients confidently choose the appropriate course of action. Aaron provides expertise across a wide suite of Morgan Stanley planning tools designed to assist in the areas of investment accumulation, retirement, education, major purchase, cash flow, risk management, tax efficiency, and wealth transfer planning.

He earned his undergraduate degree from the University of Miami and is a CERTIFIED FINANCIAL PLANNER™ professional. Aaron is originally from New York City where he currently resides.

Private Bankers, Ultra High Net Worth ("UHNW") Specialists, PBG Market Managers, Lending Advisors, Mortgage Consultants, Regional Mortgage Specialist, Cash Management Specialists, Associate Private Bankers are employees of Morgan Stanley Private Bank, National Association.

Banking products and services are offered by Morgan Stanley Private Bank, National Association, Member FDIC.

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

Important information about your relationship with your Financial Advisor and Morgan Stanley Smith Barney LLC when using a Financial Planning tool. When your Financial Advisor prepares a Financial Plan, they will act in an investment advisory capacity for thirty (30) days after the delivery of your Financial Plan. To understand the differences between brokerage and advisory relationships, you should consult your Financial Advisor, or review our “Understanding Your Brokerage and Investment Advisory Relationships,” brochure available at https://www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.

You have sole responsibility for making all investment decisions with respect to the implementation of a Financial Plan. You may implement the Financial Plan at Morgan Stanley or at another firm. If you engage or have engaged Morgan Stanley, it will act as your broker, unless you ask it, in writing, to act as your investment adviser on any particular account.

Morgan Stanley 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 consult with your Financial Advisor to understand these differences.

Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and 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, charitable giving, philanthropic planning and other legal matters.

When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account.

Wealth Management

Global Investment Office

Portfolio Insights

Retirement

Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.

401(k) Rollovers
IRA Plans
Retirement income strategies
Retirement plan participants
Annuities

A Simple Six-Step Retirement Checkup

Checking in on your retirement plan may make a lot of sense, especially when market volatility arises.

Investing

Working closely with you to guide your wealth and investments through the most challenging market cycles.

Asset Management
Wealth Planning
Traditional Investments
Alternative Investments
Impact Investing

Rational Investing in an Age of Uncertainty

When it comes to investing, even the most savvy of us fall prey to bias and emotional trades. So what triggers should you watch for?

Family

Creating customized financial strategies for the challenges that today’s families face.

Estate Planning Strategies
529 Plans / Education Savings Planning
Long Term Care Insurance
Special Needs Planning
Trust Services

529 Plans: A Powerful Tool to Save for Education

Though education costs continue to climb, starting to save and invest early can make a difference.

Business Planning

Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.

Succession Planning
Business Planning
Qualified Retirement Plans

Financial Planning for Life After Selling a Business

Selling your business can mean big changes for your life, both personally and financially. Know how to make the most of your windfall.

Philanthropy

Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.

Endowments
Foundations
Donor Advised Funds
Impact Investing

Donor Advised Funds: A Smart Way to Manage Your Giving

There's more to charitable giving than you may realize. Here's one method that may be a tax-efficient way to give and can help maximize your impact.

Ready to start a conversation? Contact The Osprey Group today.

Market Information Delayed 20 Minutes

CFP Board owns the marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the U.S., which it awards to individuals who successfully complete CFP Board's initial and ongoing certification requirements.

¹When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.

For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.

²Morgan Stanley 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 consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.

³Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States. Morgan Stanley Wealth Management is a business of Morgan Stanley Smith Barney LLC.

⁴Morgan Stanley Smith Barney LLC (“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 legal matters.

⁵Morgan Stanley’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be appropriate for you. Please see the Morgan Stanley Smith Barney LLC program disclosure brochure (the “Morgan Stanley ADV”) for more information in the investment advisory programs available. The Morgan Stanley ADV is available at www.morganstanley.com/ADV.

⁶Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and 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, charitable giving, philanthropic planning and other legal matters.

⁷Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and 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.

⁸Investing in the market entails the risk of market volatility. The value of all types of investments may increase or decrease over varying time periods. The returns on a portfolio consisting primarily of sustainable or impact investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because sustainability and impact criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Diversification does not guarantee a profit or protect against loss in a declining financial market.

⁹Investors should consider many factors before deciding which 529 plan is appropriate. Some of these factors include: the Plan's investment options and the historical investment performance of these options, the Plan's flexibility and features, the reputation and expertise of the Plan's investment manager, Plan contribution limits and the federal and state tax benefits associated with an investment in the Plan. Some states, for example, offer favorable tax treatment and other benefits to their residents only if they invest in the state's own Qualified Tuition Program. Investors should determine their home state's tax treatment of 529 plans when considering whether to choose an in-state or out-of-state plan. Investors should consult with their tax or legal advisor before investing in any 529 Plan or contact their state tax division for more information. Morgan Stanley Smith Barney LLC does not provide tax and/or legal advice. Investors should review a Program Disclosure Statement, which contains more information on investment options, risk factors, fees and expenses and possible tax consequences.

¹⁰Morgan 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

¹¹Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and 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.

¹²Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.

¹³Municipal bonds may not be appropriate for all investors. Income generated from an investment in a municipal bond is generally exempt from federal income taxes. Some income may be subject to state and local taxes and to the federal alternative minimum tax. Capital gains, if any, are subject to tax.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) and its Financial Advisors and Private Wealth Advisors do not provide any tax/legal advice. Consult your own tax/legal advisor before making any tax or legal-related investment decisions.

¹⁴Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.