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The Carter Hester Group at Morgan Stanley

15 Years of Vacation Planning Experience

Joseph Carter, CIMA ÂŽ The Carter Hester Group at Senior Vice President Morgan Stanley

Wealth Advisor 321-751-2049 Joseph Carter, CIMAÂŽ joseph.carter@morganstanley.com The Carter Hester Group at Senior Vice President

Morgan Stanley Wealth Advisor

Tim Hester, CFP ÂŽ, CIMAÂŽ, CAP ÂŽ 321-751-2049 Senior Vice President Joseph Carter, CIMA ÂŽ joseph.carter@morganstanley.com Advisor Senior ViceFinancial President 321-751-2046 Tim Hester, CFP ÂŽ, CIMAÂŽ, CAP ÂŽ Wealth Advisor tim.hester@morganstanley.com Senior Vice President 321-751-2049 Financial Advisor joseph.carter@morganstanley.com 8150 N. Wickham Road

321-751-2046 Melbourne, FL 32940 tim.hester@morganstanley.com Tim Hester, CFP ÂŽ, CIMAÂŽ, CAP ÂŽ 800-949-2401 Senior Vice8150 President www.morganstanleyfa.com/carterhester N. Wickham Road Financial Advisor Melbourne, FL 32940 321-751-2046 800-949-2401 tim.hester@morganstanley.com www.morganstanleyfa.com/carterhester

BBOOKING YOUR CRUISE WITH US WON’T COST YOU ANY MORE EVEN IF YOU BOOK DIRECTLY WITH THE CRUISE LINES

Management Consultants Association, Inc. owns 8150 N. Investment Wickham Road SM ž²¯¡Ÿ¾½ ʿʌ¯Ÿž³Ǥ¯Ž ¸À¯½ž¡¯¸ž¸¹¯¡¯¸žÂ¸ÂŤÂśĂƒÂ˝Âž Melbourne, FL 32940 ʯà ³ž²¹Ÿº²¯œ¯¡¯¸žʰʿʌ¸Ž¯Ÿž³Ǥ¯Ž ¸À¯½ž¡¯¸ž¸¹¯¡¯¸ž 800-949-2401 AnalystSM. Investment Management Consultants Association, Inc. owns www.morganstanleyfa.com/carterhester

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