guide @ the snyder-ervin group corporate at morgan … · nmls #1282910 daniel r. snyder cfp ......

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The Snyder-Ervin Group at Morgan Stanley

410 Severn Avenue

Building B, Suite 211 Annapolis, MD 21403

Main: 410.295.5869

Toll-Free: 888.645.5344 Fax: 410.295.5800

https://fa.morganstanley.com/seg

.

© 2016 Morgan Stanley Smith Barney LLC. Member SIPC CRC 1665019 12/16

Corporate Retirement

Plan Services

https://fa.morganstanley.com/seg

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The Snyder-Ervin Group at Morgan Stanley

Left to right: Mary, Tom, Jonathan, Katie, Jaime, Jim, Dan, Marcie

James R. Snyder CFP®

Director

Financial Advisor

NMLS #1282910

Daniel R. Snyder CFP®, CIMA®

Senior Vice President

Family Wealth Director

Senior Investment Management Consultant

NMLS #1282444

Thomas C. Ervin CFP®

Senior Vice President

Financial Advisor

Corporate Retirement Director

NMLS #1282434

Jonathan W. Steele CFP®

Associate Vice President

Financial Advisor

NMLS #1282590

Marcie G. Flynn Wealth Management Associate

Jaime L. Pickett Senior Registered Associate

Katie Eckenrode Senior Client Service Associate

Mary B. Fitzpatrick Client Service Associate

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Snyder-Ervin Group

Our commitment is to provide high quality retirement services and solutions for you, your business and your employees.

The Resources Tailored to the Needs of Your Business

A knowledgeable team backed by a strong and stable firm

The Process for Developing and Managing your Retirement Plan

Plan Evaluation, Investment Management, Plan Management, Plan Participation

The Services We Offer Investment Oversight, Fiduciary Services, Employee Education and

Enrollment Meetings, Vendor Search, Benchmarking

Resources

Process

Services

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Snyder-Ervin Group - Corporate Retirement Resources

Tom Ervin of the Snyder-Ervin Group focuses on 401(k) and other qualified retirement plans.

He is responsible for plan design, meeting with plan trustees/sponsors, plan installation, participant

education, investment oversight, and performance evaluations. Tom’s Corporate Retirement Director

designation is held by less than two percent of Morgan Stanley advisors. He also holds the Chartered

Retirement Plan SpecialistSM designation from The College for Financial Planning.

Tom Ervin was the first advisor to join Jim Snyder in 1992 to form the Snyder-Ervin Group at Morgan

Stanley. Before joining Morgan Stanley (formerly Legg Mason), Tom was a retirement plan administrator

with an independent firm.

Tom graduated from the University of Delaware with a degree in finance. During his time in college,

Tom played on the lacrosse team for four years.

A lifelong resident of Annapolis, he and his wife, Michelle, have four sons: Collin, Brady, Mason and

Gavin. Tom volunteers his time at his Bay Ridge Community Association, where he was on the Board for

four years and the Treasurer for two years, and his children’s school, St. Mary’s, where he was on the

Board from 2000-2009 and President from 2007-2009. He enjoys coaching youth lacrosse, boating, water

skiing and snow skiing.

Thomas C. Ervin

CERTIFIED FINANCIAL PLANNER™ Chartered Retirement Plans SpecialistSM Corporate Retirement Director Senior Vice President Financial Advisor NMLS #1282434

[email protected]

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Marcie Flynn assists Tom Ervin with retirement plan enrollment meetings, fiduciary

reviews and plan maintenance. She is Series 7 and 66 licensed and assists the Financial Advisors with

fund/market research and financial plans. With her extensive banking background, Marcie is the team

contact for all lending needs.

Marcie joined the Snyder-Ervin Group in the summer of 2015. She has 15 years of banking and financial

services experience.

Marcie graduated from Duquesne University with a BS in Business Administration/Pre-Law.

She and her husband, Sean, live in Severn, Maryland with their Chihuahua, George. Marcie enjoys

cooking, gardening, furniture restoration and spending time with her family and friends in Pennsylvania.

Marcie G. Flynn Wealth Management Associate

[email protected]

mailto:[email protected]


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Asset allocation and portfolio management;

financial planning including lifetime projections of financial outcomes

MBA in finance from the University of Maryland

Graduate Business School

Snyder-Ervin Group since 2008

Focus: Finding the right fit for annuities, long-term care, and life insurance2

Jonathan W. Steele

CERTIFIED FINANCIAL PLANNER™ Associate Vice President

Financial Advisor NMLS #1282590

[email protected]

Qualified to handle accounts over $10 million

B.A. Economics and Political Science, Bucknell University Legg Mason since 1993 and Snyder Ervin

Group since 1996

Focus: Financial plans and team leader for investment manager research

Daniel R. Snyder

CERTIFIED FINANCIAL PLANNER™ Certified Investment Management Analyst™

Family Wealth Director Senior Investment Management Consultant

Senior Vice President, Financial Advisor NMLS #1282444

[email protected]

Founder of the Snyder-Ervin Group

B.S. Electrical Engineering with high honors, University of Maryland

Manager of client assets since 1970 and

twice named to top 100 FA’s in the U.S. by Barron’s (2004 and 2005)1

Executive Committee, Anne Arundel Estate

Planning Council 2014-2015 Focus: Investment strategy, estate planning

strategies, and retirement investing

James R. Snyder

CERTIFIED FINANCIAL PLANNER™ Director

Financial Advisor NMLS #1282910

[email protected]

Snyder-Ervin Group Resources

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Morgan Stanley Corporate Retirement Directors

Corporate Retirement Directors (CRD’s) have:

Been designated by the firm as Financial Advisors with a focus on retirement plans

Continuing education requirements

Demonstrated experience working with retirement plans

Met requirements with regard to number and size of retirement plans serviced

Less than 2% of our approximately 16,000+ Financial Advisors have attained this designation

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Choosing Wisely:

The Strength of Morgan Stanley

Over 130 years of wealth management experience

$513 billion in overall retirement assets*

$171 billion in defined contribution retirement plan assets*

Service approximately 23,500 bundled defined contribution plans*

Over 16,000 Financial Advisors with a local presence across the country

Access to the best-in-class retirement service providers

Innovative resources help deliver effective retirement programs, including:

• Morningstar DC Module – for ongoing investment monitoring

• Plan Performance Report Card – for measuring plan success

• Employee Education program – for improving participation and investment knowledge

• Client Engagement Roadmap – for managing plan activities

*Data as of December 31, 2015

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Snyder-Ervin Group Process

401(k)Advisory Based Pricing

Levelized compensation is encouraged by Department of Labor

Fees get lower as plan assets grow

Education Meetings – Group or Individual

Investment/Fiduciary Review with Plan Sponsor and Finance Committee

Maintenance of Plan Fiduciary Audit File and Written Investment Policy

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Through our consultative process we strive

to help you improve:

Retirement readiness for your employees

Management of your fiduciary responsibilities and risk

Performance of your plan

Investment Management

• Investment Policy Statement

• Investment Selection

• Investment Monitoring

Plan Management

• Issue Resolution

• Fiduciary Audit File

• Fee Analysis

Plan Evaluation

• Needs Assessment

• Benchmarking

• Provider Search

Plan Participation

• Education Materials & Seminars

• Strategic Planning

• Custom Risk and Target Date Models


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Access to Retirement Industry Leaders

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Guiding Your Investment Oversight

Disciplined Investment

Process

Snyder-Ervin Group Services

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Helping You With Risk Management

• Fiduciary Educational Materials

• Fiduciary Audit File

• Washington Update Newsletter

• Plan Advocate

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Preparing Your Employees for Retirement

• Education Planning

• Enrollment Seminars

• Education Seminars

• Group and Individual Meetings

• Participant Newsletter

• Participant Website

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Matching Your Plan Goals with Your Recordkeeper

• Review your existing plan in order to identify potential gaps

in service offerings

• When appropriate, identify recordkeepers for your

consideration

• Provide side-by-side analysis of recordkeepers

with a scoring system to identify solutions that

meet your needs

• Manage finalist presentations

• Assist with transition to new provider

• Provide ongoing support with your service provider

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Benchmarking Your Plan Costs and Services

• Benchmarking reports

Evaluate and understand plan fees and services

Assess reasonableness of plan fees relative to

services received

Document prudent process

Support 408(b)(2) review of reasonableness

of fees and services

• Assist in cost negotiations with your service

providers

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Important Disclosures Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S. which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.

Investment Management Consultants Association, Inc. owns the marks CIMA®, Certified Investment Management AnalystSM (with graph element)®, and Certified Investment Management AnalystSM.

1Source: Barron's “Top 100 Financial Advisors,” 2004 and 2005. Barron’s “Top 100 Financial Advisors” bases its ratings on qualitative criteria: professionals with a minimum of 7 years of financial services experience, acceptable compliance records, client retention reports, customer satisfaction, and more. Financial Advisors are quantitatively rated based on varying types of revenues and assets advised by the financial professional, with weightings associated for each. Because individual client portfolio performance varies and is typically unaudited, this rating focuses on customer satisfaction and quality of advice. The rating may not be representative of any one client’s experience because it reflects a sample of all of the experiences of the Financial Advisor’s clients. The rating is not indicative of the Financial Advisor’s future performance. Neither Morgan Stanley Smith Barney LLC nor its Financial Advisors or Private Wealth Advisors pay a fee to Barron's in exchange for the rating. Barron’s is a registered trademark of Dow Jones & Company, L.P. All rights reserved

2Morgan Stanley Smith Barney LLC offers insurance products in conjunction with its licensed insurance agency affiliates. Since life insurance and long term care insurance are medically underwritten, you should not cancel your current policy until your new policy is in force. A change to your current policy may incur charges, fees and costs. A new policy will require a medical exam. Surrender charges may be imposed and the period of time for which the surrender charges apply may increase with a new policy. You should consult with your own tax advisors regarding your potential tax liability on surrenders.

Tax laws are complex and subject to change. 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 and are not “fiduciaries” (under ERISA, the Internal Revenue Code or otherwise) with respect to the services or activities described herein except as otherwise provided in writing by Morgan Stanley. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a retirement plan or account, and (b) regarding any potential tax, ERISA and related consequences of any investments made under such plan or account.

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.

Investment advisory services discussed herein are offered through Morgan Stanley Smith Barney LLC (“Morgan Stanley”) Advisory Programs only. Please see the applicable program disclosure document for more information, available at www.morganstanley.com/ADV or from your Financial Advisor.

Asset Allocation and diversification do not assure a profit or protect against loss in declining financial markets. Target‐date funds are subject to the risks associated with their underlying funds. The year in the fund name refers to the approximate year (the target date) when an investor in the fund would retire and leave the workforce. The fund will gradually shift its emphasis from more aggressive investments to more conservative ones based on its target date. An investment in a target date fund is not guaranteed at any time, including on or after the target date. These funds are based on an estimated retirement age of approximately 65. Should you choose to retire significantly earlier or alter, you may want to consider a fund with an asset allocation more appropriate to your particular situation.

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 Morgan Stanley Smith Barney LLC. Member SIPC.

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guide @ the snyder-ervin group corporate at morgan … · nmls #1282910 daniel r. snyder cfp ......

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