Richard A. Melzer
Senior Vice President
Financial Advisor
214 Senate Avenue
7th Floor, Camp Hill, Pennsylvania 17011
717-730-1871
/ M a i n
800-237-1700 / Toll-F ree 717-730-1894 / fa x
fa.smithbarney.com/melzer
richard.a.melzer@mssb.com
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 a Financial Advisor, my role is to work with you to help you
develop a plan that lays out a clear path to your goals — ​a
plan that I 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
I 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 I 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, I will revise your
plan to reflect new aspirations and priorities, helping your
plan keep pace as the markets change and your life unfolds.
Rich a rd A . M el zer
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My Background
Richard A. Melzer
Rodd J. Melzer
Senior Vice President
Financial Advisor
Vice President
Registered Marketing Associate
Richard attended Hunter College in
NYC, graduating with a Bachelor of
Arts degree in Economics. He received
his MBA at Rollins College. Richard has
concentrated his 40+ years of investment experience on helping institutional
clients manage their corporate cash
flow, as well as guiding high-net-worth
individuals through the wealth- management process.
Richard has been married to his wife,
Judith, for 40 years. They reside in Eagles
Mere, PA with their Champion Welsh
Springer Spaniel. Their two children
live in Harrisburg PA and Steamboat
Springs, CO.
Rodd graduated from Rollins College
in Winter Park, FL with a Bachelor of
Arts degree in English and a minor in
Economics. Upon graduation, Rodd
worked on the floor of the Philadelphia
Options Exchange. He has concentrated
his 13+ years of investment experience
on helping institutional and high-networth clients implement hedging, asset protection and risk diversification
strategies.
richard.a.melzer@mssb.com
717-730-1871
4
Morgan S tan le y Sm i t h Barn e y
rodd.j.melzer@mssb.com
717-730-1861
William S. Barton
Client Service Associate
Bill graduated from Juniata College
with a Bachelors of Science degree in
Business Administration. Bill began his
brokerage firm career with Hilliard Lyons in 1999 and came to Morgan Stanley
Smith Barney’s predecessor in 2002,
where he performs the operational and
administrative functions for the team.
william.s.barton@mssb.com
717-730-1835
Creating Your Plan
To be truly effective, your plan must reflect the
totality of your personal and financial life. My 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, I 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, I will look for potential gaps
that may exist between you and your
goals, and develop sound strategies to
help smooth the path.
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Morgan S tan le y Sm i t h Barn e y
2 Creating your strategy
Working from my understanding of
you and your objectives, I will propose
a financial plan that contains specific
strategies designed to help meet those
goals. My 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, I will work closely with you
to bring the elements to life. Should
we decide together that outside money
managers are appropriate for you, I
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, I 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
I view ongoing communication as the
foundation of our successful collaboration with you. I 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, I will work with you to revise
your strategy and reposition your assets
to reflect your new needs and 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. I am ready to help you meet your goals, by
combining my insight into your needs with the resources of
Morgan Stanley Smith Barney.
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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. I will work with you
to explore and define your objectives
and needs, and then structure a plan
that is uniquely your own.
•• Estate planning
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, I can help
you develop and implement a strategy
based on your vision of retirement.
•• Roth conversions
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 me for objective strategic
advice in structuring your portfolio and
for careful analysis of any investments
we consider together.
Building a unique legacy
Estate planning typically brings together
the dimensions of life: personal, family,
financial and charitable. I will work
with you to understand the connections
between your life and legacy goals, and
work with your accountant and attorney to help you develop a strategy to
position your portfolio appropriately.
Morgan S tan le y Sm i t h Barn e y
Educating new generations
Helping to meet the education costs of
children and grandchildren may be one
of the most attractive and personally
fulfilling investment opportunities available to you. I can help you access appropriate investment vehicles — ​529 plans
and custodial accounts.
Strengthening your business
The links between business ownership and personal wealth are many
and complex. Whether your objective
is to grow your business, realize its
value through a succession strategy
or sale, or maintain family ownership
by the next generation, we can examine your alternatives in light of both
business and personal objectives. And,
should circumstance require it, we can
use the access to banking services of
Morgan Stanley Smith Barney.
can help you analyze your current insurance portfolio and work to update
your coverages to fulfill personal and
strategic goals.
Meeting current liquidity
and banking needs
Managing personal cash and securing
liquidity for personal needs and opportunities are the day-to-day aspects
of implementing a financial strategy. I
can help you meet your personal cash
management and borrowing needs while
thinking strategically about how approaches may affect current and longterm costs and taxes.
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 —
even perform important functions in
a business succession or estate plan. I
Rich a rd A . M el zer
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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.
The investments and services 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.
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, investments 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.
© 2011 Morgan Stanley Smith Barney LLC. Member SIPC.
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