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The Kowalski Scharff and Beam Group
at Morgan Stanley Smith Barney
Financial Advisors
Fifth Third Center
110 North Main Street, Suite 1100
Dayton, OH 45402
tel: 937-223-6111
toll free: 800-223-0644
fax: 937-223-4010
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Welcome

In today's fast-paced world, few people have the time or resources to dedicate to managing their investments- whether it involves researching bond calls, reviewing company earnings projections or tracking mutual fund performance. As your Financial Advisors, we will alert you to new opportunities and advise you on changing market conditions that may affect your investments. It's all part of our long-term commitment to our clients.
Services
  • Estate Planning
  • Financial Planning
  • Retirement Planning
  • Life Insurance
  • Professional Portfolio Management
  • Insurance Services
  • Wealth Management
  • 401k Rollovers
  • Exchange Traded Funds
  • 529 Plans
  • Education Planning
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  • Are you ready for retirement? We think of retirement as part of the bigger picture- your life. Whatever you have in mind, the ideal is to have the flexibility to make choices based on what you want to do, not what you have to do. Call to develop a plan for achieving the retirement you envision.
  • Who is watching over your retirement? Building an investment portfolio that you hope might cover your needs down the road isn’t a substitute for a retirement plan. Talk to us about advice that goes beyond investments. A new standard for retirement planning.
  • The highest compliment we can receive is the referral of your friends, family and business associates. One way to share this information is by clicking on E-mail This Site to a Friend.
This information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
*Includes years at Smith Barney, affiliates and predecessor firms.
Morgan Stanley Smith Barney LLC and its affiliates do not provide tax or legal advice. To the extent that this material or any attachment concerns tax matters, it is not intended to be used and cannot be used by a taxpayer for the purpose of avoiding penalties that may be imposed by law.   Any such taxpayer should seek advice based on the taxpayer's particular circumstances from an independent tax advisor.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and CFP (with flame logo)® in the U.S., which it awards to individuals who successfully complete CFP Board's initial and ongoing certification requirements.
FEATURED REPORTS

Tuesday Tidings: Introducing Our 2010 Market Outlook; September 4, 2009 (pdf)

Current Outlook (pdf)

Portfolio Strategist - A Weekly Guide for Investors (pdf)
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Morgan Stanley Smith Barney
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