MECH JOB INFORMATION PROJ. NO.: 7757822/602824980 JOB NAME: Retail Chin Olsen Campbell Diller SPECIFICATIONS TRIM SIZE: 10.25" × 6" FINISHED SIZE: 10.25” × 6” BLEED: NA POST-PROD.: NOTES © 2013 Morgan Stanley Smith Barney LLC. Member SIPC. CRC766749 12/13 NY CS 7757822 Preserving and Enhancing Wealth Those individuals who have the skills and determination to create significant wealth are not necessarily well prepared to manage it. There are highly complex and time-consuming financial planning, asset management and other issues to consider. These are matters that successful people often don’t have the time, inclination or specialized knowledge to address. The Olson Campbell Diller Group at Morgan Stanley serves as financial advisors to many such individuals and their families. With the market hitting new highs, now is a good time to have a financial professional evaluate your portfolio to help you avoid overpriced assets and minimize losses in down markets. For a complimentary review of your portfolio, please call us to arrange a meeting. Olson Campbell Diller Group at Morgan Stanley 14850 N. Scottsdale Road, 6th Floor Scottsdale, AZ 85254 480-922-7800 melissa.campbell@morganstanley.com www.morganstanleyFA.com/olsoncampbelldiller Melissa C. Campbell Kirk W. Diller Shawn D. Olson Managing Director — Senior Vice President Managing Director — Wealth Management Wealth Advisor Wealth Management Wealth Advisor Wealth Advisor Page 38 October 2015 By Michelle Donati-Grayman Nestled between Labor Day and Thanksgiving is a period that has been coined by the travel industry as “shoulder season.” It’s the time of year between high and low season, which makes for an ideal opportunity to get away, according to travel experts. During shoulder season, airfares and hotel rates are typically less expensive because travel numbers tend to be lower. “Really good specials become available during the six- to eight-week period after Labor Day but before Thanksgiving,” said Amy Moreno, senior travel manager for AAA Arizona. Here are a few shoulder season travel options to consider: The Caribbean – From white sand to black sand, the Caribbean is home to some of the most beautiful beaches in the world. Travelers from across the globe journey to the Caribbean islands for sun, snorkeling and surf. It’s important to note that shoulder season falls during hurricane season, so don’t forget to buy travel insurance and make sure it covers trip plans that get interrupted by a storm – not all policies do. Repositioning cruise – When a cruise line needs to move its ship to a port of call that is on the opposite side of the world – often in a location that is experiencing a different season from the current port of call – it will create a repositioning cruise. Travelers can take advantage of prices that are less expensive than traditional cruises because more of the days are spent only at sea. An example of a repositioning cruise is Alaska to the Caribbean to the Panama Canal. Southern California – The best time to visit SoCal depends on what you want to see and do. If you wish to avoid summer crowds and peak rates at hotels and resorts, visit during shoulder season. In addition to promising fewer lines at popular theme parks and attractions, this time of year also brings beautiful fall foliage to many parts of the Golden State. It also coincides with “crush” or grape harvest time, which is an optimal time to visit the state’s wine regions. If you’re a planner, travel experts claim shoulder season is also the best time to book and save on trips for 2016. “It can be a challenge to know when you should book your next trip to avoid increased airfare or sky-high prices for accommodations,” Moreno said. “Traveling during shoulder season can help you save hundreds of dollars.” — Michelle Donati-Grayman is an Arcadia resident who works for AAA Arizona. AAA is the largest leisure travel agency in North America. Shoulder season promises savings, fewer crowds Disneyland, the Caribbean and the California coast are a few destinations to consider during shoulder season.

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