The Rauch Schoellkopf Group At Morgan Stanley J BRADLEY RAUCH J FRED SCHOELLKOPF, VI SENIOR VICE PRESIDENT VICE PRESIDENT Brad has spent 25 years building a practice A sixth-generation Buffalo native with over 30 around the understanding that every client has years of wealth management experience, Fred their own set of financial goals, specific to their focuses on financial planning and investment unique life circumstances strategies that address the unique concerns of Brad helps develop customized and sophisticated investment solutions utilizing an objective professionals, business owners, retirees and families approach to wealth management for his clients Fred leverages Morgan Stanley’s risk analysis and their families software to carefully design an investment A highly regarded professional, Brad holds a recommendation to help his clients achieve their bachelor’s degree in Economics & Canadian goals without taking on unnecessary risk Studies from St Lawrence University He holds Deeply rooted in his community, Fred served as the Morgan Stanley titles of Senior Investment Treasurer and Board Member of Friends of Night Management Consultant and Senior Portfolio People for over twenty years, and was the past Manager President of Symphony Circle JULIE FRITZ TERI SYRACUSE COLLIN D SHAPIRO PORTFOLIO ASSOCIATE PORTFOLIO ASSOCIATE PLANNING SPECIALIST Joining Morgan Stanley in 2000, Teri is a Portfolio Associate on Prior to joining Morgan Stanley, Julie spent 15 years with a The Rauch Schoellkopf Group Collin was a financial planner for a former team until she began working with Brad Rauch in October of 2015 Julie’s experience lies in her attention to detail and her proficient handling of all client administrative needs including portfolio reviews, trade implementation, account For 27 years, Teri has had the pleasure of forming close client Since joining in July of 2018, he relationships has beside Fred Schoellkopf Teri is a trusted professional that values attention to detail, a repeatable Julie is passionate about her work and is dedicated to providing a high level of service to every client Julie graduated from Canisius College with a bachelor’s degree in Finance and holds the Series 3, 7, 63, 66 securities licenses as well as the IMCA Correspondence designation worked Western process, and is New with dozens York of financial advisors to help integrate goalsbased financial planning into their practices always looking for ways to Officially becoming an exclusive remain proactive member of The Rauch Schoellkopf maintenance, and operational matters financial firm in Connecticut Teri graduated from Bryant & Stratton College and holds the Group in November of 2020, Collin looks to Stanley’s She is a notary public qualified in Erie County who enjoys living her husband, daughters, and two dogs the client experience by combining Morgan Series 7, 66, 63, and 31 with enhance prominent wealth management capabilities with the group’s personalized approach two Collin graduated Lawrence University from with St a bachelor’s degree in Economics & Business in the Liberal Arts He also holds the Series and Series 66 securities licenses The Rauch Schoellkopf Group The past few decades have seen numerous changes in the financial services industry Volatile markets, more investment options to choose from, and sophisticated technology that can help you make more informed decisions, if you know how to take full advantage of it The Rauch Schoellkopf Group utilizes the full suite of Morgan Stanley’s wealth management capabilities to deliver a customized strategy to all clients It is an honor and a privledge to work with truly extraordinary families across the country and through their generations Now having the opportunity to manage roughly $430 million in client assets as of July 2021, our appreciation grows alongside our experience Our group of five account for over 100 years of experience in advising clients and families on their financial well-being Our clients look to us to manage their investments and provide structure, organization and added due diligence to their financial lives We provide access to some of the world’s most sophisticated resources and investment managers, and we know whom to call when additional expertise is required Every client receives an investment plan and spending strategy individually tailored to meet specific goals and life objectives Our mission is to get to know you and your family well We want to know where you are, what you need and where you’re heading We then provide the perspective and access it takes to help get you there We look forward to meeting you, and getting to know your whole family The Rauch Schoellkopf Group Process Understand Each Other We begin by establishing an understanding of your unique financial situation and goals, then explain how we may be able to help Becoming a Client You will gain access to the full suite of Morgan Stanley, including advanced cyber security and market research platforms Continuous Monitoring Actively monitor progress, helping to ensure you are on track to meet your financial goals and objectives Building Your Plan Pathway Sessions We then create and present your customized goals-based financial plan, Aladdin portfolio risk analysis, and investment strategy* A recurring and forward-looking strategic planning session to assess and adjust your financial expectations for the coming years** * We offer a complimentary risk analysis for all our clients, including assets held outside Morgan Stanley ** If you are unable to attend The Pathway Session, we will meet on your behalf and provide you with a brief summary and updated financial plan Our Core Values & What Sets Us Apart Culture First and foremost, trust and honesty is the epitome of what our group stands for Trust between clients, family members, and coworkers have been, and continue to be, the professional standard all clients can and should expect to be upheld Perspective We provide guidance by utilizing our established manager selection and risk management process In addition to Morgan Stanley’s professional layer of due diligence, we further leverage our group’s experience and relationships to decide which investment manager’s strategies are best suited for a client’s particular investment goals Structure We bring organization to your financial life through a customized and comprehensive financial plan Understanding your unique situation on all financial levels (cash, investments, insurance, estates, trusts, taxes, monthly household cash flow, etc.) allows us to be in the best position possible to make a proper recommendation on strategy and investments Education Together, we explore the specific knowledge required to succeed in your situation, while providing the necessary resources to inform your decisions by outlining your options and associated risks Family Having earned Morgan Stanley’s Family Wealth Advisor (FWA) accreditation, our group focuses on delivering comprehensive, family-centered wealth management In addition to traditional family estate planning, we discuss with the next generation the importance in taking ownership of their own finances, and we help to define and achieve philanthropic goals that align with family values Investment Philosophy Our investment philosophy is that the most resilient portfolios are governed by a clearly defined set of investment principles Close client relationships and thirty years of volatile market cycles have helped build and refine our very own set of principles Our four principles ensure each client receives a prudent, transparent, and customized investment strategy tailored to help achieve their specific objectives Our Four Principles Principle One Responsibility Understand the essentials Family dynamics, risk tolerance, investment time horizon for each account, cash and liquidity needs, etc Principle Two Customization Understand what is important to you Your financial plan is built to understand and achieve your unique goals, and your investment strategy is built to support your financial plan Thus, your investment strategy is tailored to compliment your specific objectives and life situation Principle Three Strength in Quality Beginning with Morgan Stanley’s stringent approved list, our group only invests in companies, funds, and managers that pass our own rigorous fundamental evaluation process Principle Four Continuous Monitoring Together, we will consistently ensure your investment strategy and spending goals align with your changing risk tolerance, current life situation, and family dynamic Our Client Spectrum Periods of Transition Our practice focuses on families and individuals who are currently, or will in the future, go through a major life transition Whether you are contemplating retirement, recently widowed or divorced, or are looking for guidance on the sale of your business, we will be there to help guide you through life’s greatest transitions and challenges Business Owners & Executives Through countless conversations with our many business owner clients, we have gained the ability to get to the core of why it is they what they do, understand how much further they wish to go, and work together to help establish a work-optional life style and a dependable level of retirement income Retirees A reliable stream of income through retirement is often a product of continuous strategic planning We provide guidance on the most beneficial time to begin receiving social security income, along with all other types of income, as well as monitor your spending against what we planned for Young Professionals Younger growth-oriented professionals who understand the value of an advisory relationship, that share a drive to succeed in their respective professions, are the types of clientele our practice was founded on and are the clients that we have had the pleasure to grow with throughout their careers and ours Legacy We intend to become your family’s advisor for generations, by being beside you and your loved ones through life’s challenges, we hope that in your time of intergenerational financial planning you will feel comfortable coming to us first J Bradley Rauch, CPM J Frederick Schoellkopf, VI Senior Vice President – Wealth Management Senior Investment Management Consultant Financial Advisor Portfolio Manager Family Wealth Advisor NMLS #1279618 Vice President – Wealth Management Financial Advisor Morgan Stanley Wealth Management, LLC 50 Fountain Plaza, Suite 800 Buffalo, NY 14202 Phone: + 716 849 2309 Fax: + 716 849 2310 Julie Fritz Portfolio Associate Phone: + 716 849 4845 Teri Syracuse Portfolio Associate Phone: + 716 849 4849 Morgan Stanley Wealth Management, LLC 50 Fountain Plaza, Suite 800 Buffalo, NY 14202 Phone: + 716 849 4803 Fax: + 716 849 2310 Collin D Shapiro Financial Advisor Associate Financial Planning Specialist Morgan Stanley Wealth Management, LLC 50 Fountain Plaza, Suite 800 Buffalo, NY 14202 Phone: + 716 849 2315 Fax: + 716 849 2310 Morgan Stanley Smith Barney LLC offers insurance products in conjunction with its licensed insurance agency affiliates Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors 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 Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third‐party corporate trustee Morgan Stanley Smith Barney LLC Member SIPC (CRC tracking #3144329, date of first use July 02, 2020) ... you’re heading We then provide the perspective and access it takes to help get you there We look forward to meeting you, and getting to know your whole family The Rauch Schoellkopf Group Process... business owner clients, we have gained the ability to get to the core of why it is they what they do, understand how much further they wish to go, and work together to help establish a work-optional... also holds the Series and Series 66 securities licenses The Rauch Schoellkopf Group The past few decades have seen numerous changes in the financial services industry Volatile markets, more investment