1. The Snyder-Ervin Group at Morgan Stanley
Corporate Retirement Plan Services
410 Severn Avenue
Building B, Suite 211 Annapolis, MD 21403
Main:   
Toll-Free: Fax:      .
© 2018 Morgan Stanley Smith Barney LLC. Member SIPC
CRC /18

2. The Snyder-Ervin Group at Morgan Stanley
Left to right: Mary, Tom, Jonathan, Katie, Jaime, Jim, Dan
James R. Snyder
CFP®
Director
Financial Advisor
NMLS #
Daniel R. Snyder
CFP®, CIMA®
Senior Vice President
Family Wealth Director
Senior Investment Management Consultant
NMLS #
Thomas C. Ervin
Corporate Retirement Director
NMLS #
Jonathan W. Steele
Associate Vice President
NMLS #
Jaime L. Pickett
Senior Registered Associate
Katie Eckenrode
Senior Client Service Associate
Mary B. Fitzpatrick
Client Service Associate

3. Snyder-Ervin Group Resources
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 1

4. 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 and President from 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 # 2

5. Snyder-Ervin Group - Corporate Retirement Resources
Jaime Pickett assists Tom Ervin with retirement plan enrollment meetings, fiduciary reviews, plan maintenance and any client-facing administration. She is Series 7 and 63 licensed.
She began her career as a Funds Associate in the Mutual Fund Operations Department of Morgan Stanley, formerly Legg Mason.  She joined the Snyder-Ervin Group in She is a graduate of Salisbury State University with dual degrees in biology and environmental marine science. 
 Jaime lives in Linthicum, Maryland with her two daughters, Kaelyn and Ashlyn and her Westie, Wilson. She enjoys going to the Maryland beaches with her daughters and friends.
Jaime L. Pickett
Senior Registered Associate
Katie Eckenrode assists Tom Ervin with retirement plan enrollment meetings, fiduciary reviews, plan maintenance and any client-facing administration. She is a Notary Public for the Annapolis branch.
Katie began her career at Morgan Stanley (formerly Legg Mason) in 2003 as an Operations Associate. She joined the Snyder-Ervin Group in 2006.
Katie is the director of the children’s program at her church, a Court Appointed Advocate for kids in foster care and a board member on the Bowie High School Parent Teacher Student Organization. She is also fluent in American Sign Language. Katie lives in Bowie, Maryland with her husband, Mark, and daughters Isabel, Charlotte and Olivia.
Katie Eckenrode
Senior Client Service Associate 2

6. Snyder-Ervin Group Resources
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 4

7. Snyder-Ervin Group Resources
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 5

8. 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 6

9. Investment Management
Snyder-Ervin Group Process
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 7

10. Snyder-Ervin Group Process
Access to Retirement Industry Leaders 8

11. Snyder-Ervin Group Services
Guiding Your Investment Oversight
Disciplined Investment
Process 9

12. Snyder-Ervin Group Services
Helping You With Risk Management
Fiduciary Educational Materials
Fiduciary Audit File
Washington Update Newsletter
Plan Advocate 10

13. Snyder-Ervin Group Services
Preparing Your Employees for Retirement
Education Planning
Enrollment Seminars
Education Seminars
Group and Individual Meetings
Participant Newsletter
Participant Website 11

14. Snyder-Ervin Group Services
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 12

15. Snyder-Ervin Group Services
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 13

16. Important Disclosures
1Source: Barron's “Top 100 Financial Advisors,” 2004 and 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 and/or as described at 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 or from your Financial Advisor. Asset Allocation and diversification do not assure a profit or protect against loss in declining financial markets. 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. CRC /17 14