The document discusses Christopher B. Oland's approach to developing wealth strategies for business owners. He analyzes a business owner's complete wealth picture, considering both corporate and personal goals. His distinctive approach involves reviewing business needs, cash management, benefits, risks, succession planning, and developing a family wealth plan to ensure business and personal wealth complement each other. The goal is to help business owners prepare for their company's future as well as their own personal and family dreams.

1. Christopher B. Oland
Morgan Stanley Smith Barney Global Wealth Management
The Needs of Your Company, in the Context of Your Life…
Running a business requires an exceptional ability to see the big picture - while also focusing carefully on details. The big
picture encompasses your vision for the company, how it will prosper, who you should hire, where you want to expand and
what your financing needs are. Behind each of these goals are a thousand choices - from what specialists you need to bring
in to how to optimize the resources you have - and each choice impacts the others.
My approach to developing a wealth strategy for business owners parallels the skill set used by business owners
themselves, with one additional element. For me, the big picture is not complete without knowing how the value of your
company complements the goals you have for your personal wealth. I look at your corporate and personal wealth needs,
utilizing a systematic approach, specifically designed for business owners.
With this approach, I can analyze your complete wealth picture, mindful that decisions made in one piece of the wealth
puzzle can enhance - or diminish - the value of another. My goal is to help you prepare for both the future of your business,
and the dreams you have for yourself and your family.
A Distinctive Approach…
If you are like many of my clients, your business accounts for the lion’s share of your personal wealth. I’ve designed a
comprehensive program that combines analytics with execution to help meet the financial needs of your business while also
considering your personal wealth objectives. I will often work with specialists and the professionals on your team - your
accountant or your attorney, for example - to explore your company’s need for capital, your management succession plan,
the asset allocation in your personal portfolio and your most pressing family needs, as well as many other key items. The
next step is to present you with actionable strategies to achieve your goals by covering the areas below.
Business-Needs Review
Everything starts by zeroing in on the factors that make a difference in your business – from your perspective on
ownership, control and liquidity, to the key challenges and opportunities you may face. Understanding these factors
can play an important role in addressing your lifestyle and personal goals.
Cash Management and Capital-Needs Review
The lifeblood of any business is cash, whether accessing capital or managing receivables and payables. I can help
review the strategies you have in place and, if appropriate, share alternatives to consider.
• Cash flow strategies to help speed and simplify receivables
• Liquidity management solutions - to manage excess cash through short-term investment strategies
• Commercial borrowing solutions, including term loans, credit lines and securities-backed loans that recognize
your full financial picture
Retirement and Benefits Assessment
Having the proper benefits plan is an important recruiting and retention tool. I can help you review the benefits your
business offers - including retirement, stock incentive plans, nonqualified deferred-compensation plans and employee-
retention strategies - from the perspective of both employer and employee.
• Customized solutions based on specific business objectives and characteristics
• 401(k) plans that let employees save for retirement while deferring income taxes
• Strategies that enable key employees to receive enhanced retirement benefits
• Investment selection and monitoring services
• Robust asset allocation and investment advisory solutions

2. Risk Review
It is important to understand and protect against unforeseen events that can jeopardize the value - or even the continuity
- of your business. Identifying these risks is the first step in helping to protect against them.
• Key-person insurance to cover people who are critical to the success and profitability of your business
• Buy-sell agreements that govern what happens if a co-owner leaves the business, retires, dies or becomes
disabled
• Diversification of concentrated equity positions
• Interest rate and currency hedging
• Integrated asset allocation analysis
Succession or Exit-Plan Assessment
Planning ahead is vital as you look toward the next chapter of your business’ history. Whether selling a business - in
whole or in part - or passing one on, there are a number of different exit strategies that can be considered.
• Tax efficient methods to transfer business interests within the family through:
− Intra-Family Loans
− Grantor Retained Annuity Trusts (GRATs)
− Self-Canceling Installment Notes (SCINs)
− Intentionally Defective Grantor Trusts (IDGTs)
− Installment Sales
• Sale to third parties (including management strategies and financial buyers)
− Recapitalizations
− Employee Stock Ownership Plans (ESOPs) / Management buy-outs
− Initial Public Offerings (IPOs)
− Outright sale of the company
Family Wealth Plan
Your business is a critical element of your personal wealth plan. I can help ensure that decisions made for one
complement the other, so that personal wealth and business wealth work together to increase the value of both.
• Asset protection
• Investment management
• Income and cash flow planning
• Retirement planning
• Education planning
• Stock transfers and trust structures that may save on estate and gift taxes
• A Family Records Organizer for all key documents
Christopher B. Oland, Financial Advisor
Morgan Stanley Smith Barney | Global Wealth Management Group
410 Severn Avenue, Suite 211 | Annapolis, Maryland 21403
Office: 410-295-5824 | Fax: 410-295-5800
Email: Christopher.Oland@mssb.com