The SWS Group at Morgan Stanley

Transcription

1 The SWS Group at Morgan Stanley

2 30 BURTON HILLS BLVD SUITE 250, NASHVILLE, TN / MAIN / TOLL-FREE / FAX

3 As the financial world becomes more complex and investment choices multiply, careful planning becomes ever more important to helping you achieve your financial goals. As Financial Advisors, our role is to work with you to help you develop a plan that lays out a clear path to your goals a plan that we develop in collaboration with you, and one that you can follow with confidence in the face of the market s ups and downs. Together, we will explore a broad range of topics that are likely to influence your financial future from your family situation to your career aspirations, from likely education expenses to the retirement you ultimately envision. What we learn will become the foundation for a financial and investment strategy based on who you are and where you want to go. Only then will we talk with you about the details of investing: how much risk makes sense, your asset allocation, and which investments are right for your portfolio. But that s just the beginning. Over time, we will revise your plan to reflect new aspirations and priorities, helping your plan keep pace as the markets change and your life unfolds. THE SWS GROUP 3

4 Meet the Professionals We believe that working as a team helps to provide you with access to the most appropriate solutions, and helps to ensure that you benefit from the highest levels of service. While we bring complementary skills and perspectives to our clients, we also share a commitment to responding to your needs promptly, professionally and thoroughly. Our goal is to earn your confidence not only through the quality of solutions we provide to you, but also the excellence with which we deliver them. 4 MORGAN STANLEY

5 Stuart W. Smith Family Wealth Director Senior Vice President - Wealth Management Financial Advisor With more than 20 years experience at Morgan Stanley and predecessor firms, Stuart has the knowledge, resources, and tools needed to help guide investors through the necessary financial decisions made throughout their lives. *In 2006, financial author R.J. Shook recognized Stuart as one of the top 100 financial advisors in America, in the book The Winner s Circle. Stuart is a native of Nashville, where he attended Brentwood Academy. In 1983, he graduated from the University of Tennessee with a Bachelor of Arts degree. In addition, he was a two-time NCAA Golf All- American and was a member of the PGA tour in Most notably, Stuart coached the 1978 National Blind Golf Champion, David Meador. Stuart is active in the community, having served on the board of The American Heart Association, The Alumni Council of Brentwood Academy, and is currently President of The Metropolitan County Club Golf Association. Stuart also serves on the Advisory Board for Habitat for Humanity. Stuart and his wife Lisa live in Nashville. He has two sons, Jackson and Ross. THE SWS GROUP 5

6 Ryan Cernoch Portfolio Manager Financial Advisor After graduating from the United States Military Academy at West Point in 2003, Ryan was commissioned as a Second Lieutenant in the United States Army. Ryan served with the 101 st Airborne Division and from 2005 to 2006 served a tour in Iraq supporting Operation Iraqi Freedom. At the completion of Ryan s service to the country, he and his wife Bethany moved back to Nashville. In 2008, Ryan began his investment career with Smith Barney, a predecessor firm to Morgan Stanley. He provides holistic financial planning, working closely with clients in the areas of wealth management and retirement planning. In addition, Ryan is licensed in the areas of Life and Health Insurance. Ryan and his wife, Bethany, have one son, Luke, and a daughter Lilyanne. Ryan enjoys hunting, fishing and traveling with his family. Currently he continues to serve the Tennessee National Guard as the Senior Officer Candidate School Instructor. Ryan is a member of the West Point Alumni Association, Centerstone s Ambassador s Circle, the 101 st Airborne Association, 506 th Currahee Association, West Point Admission s Council, and Otter Creek Church. 6 MORGAN STANLEY

7 Jessica Kerr Senior Registered Associate Jessica Kerr is originally from Cleveland, TN, and moved to Nashville to attend Belmont University. While attending Belmont, she was active in several honor societies including Sigma Beta Delta and Alpha Chi and was a member of the Bruin dance team. She graduated Summa Cum Laude with a degree in Finance and was awarded the prestigious Massey Business School Outstanding Student Award. Since joining Smith Barney, now Morgan Stanley, in 2004, Jessica has received her Series 7 and 63 licenses. Her primary responsibilities include processing client transactions, performance reporting, and other client services. Jessica enjoys outside activities and swam competitively for years. She is involved with her church, enjoys live music and is a big fan of SEC football. THE SWS GROUP 7

8 Jackie Vogelsang Relationship Manager Jackie has been in the financial services industry since She has obtained her Series 7, 63 and 65 licenses and is a member of the National Association of Stock Plan Professionals, NASPP. Her primary responsibilities are assisting restricted persons, stock plan participants, and estate issues. Jackie enjoys her horses and has competed locally and in the surrounding states, winning several awards. She is involved in her church activities, is a devoted sports fan, and loves to travel. 8 MORGAN STANLEY

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10 Addressing the Financial Needs of Corporate Executives Morgan Stanley is a recognized leader in providing services for officers, directors and other corporate executives, many of whom need to address regulatory compliance, liquidity, singlestock concentration and diversification matters. Frequent changes in security laws amplify your need for a group of professionals who are experienced in regulatory matters and can provide you with timely, up-to-date answers to deal with fast-changing marketplace conditions. By working closely with you and your personal advisors, we can present you with tailored corporate-executive services that best help you meet your goals: Rule 10b5-1 trading plans for options, restricted stock grants and long share positions, allowing insiders to diversify portfolios in a predictable manner. Margin loans to provide individual clients with purpose and non-purpose collateral loans against control and restricted securities. Additionally, company-centric loan programs can be established for multiple executives. Equity Structured Products that create customized hedging, liquidity and yield enhancement strategies for private clients with large stock positions. Corporate and insider buyback programs to provide assistance with both compliance and execution for issuers, affiliated purchasers and other executives who wish to take advantage of the protection afforded by SEC Rule 10b-18, when purchasing their company s shares in the open market. Section 16 notification to assist insiders and their companies with the increased administrative and regulatory responsibilities brought on by the passage of the Sarbanes-Oxley Act. In addition, Morgan Stanley s new TradeMinderSM application offers a more automated solution, providing insiders and their companies with a web-based platform to track transaction status and history 10 MORGAN STANLEY

11 and expedite the pre-clearance and trade notification processes. As the marketplace grows more complex, regulatory guidance becomes more important. As your Financial Advisors, let us help you make the best-informed decisions about managing your company stock holdings. *For stock positions in excess of $2 million. *Diversification does not ensure against loss. 11

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13 Family Wealth Management Life Plan Financial Independence Financial Goals: Statement of Goals and Financial Plans Investment Management: Investment Policy and Manager Selection Asset Allocation: Stocks, Bonds, Cash, Risk Tolerance Tax Planning: Taxable vs. Tax Free Retirement Planning Retirement Plans: 401(k), Beneficiaries IRAs Social Security Healthcare Estate Planning Wills: Health Care POA, Living Will, Durable POA Trusts: Living Trust, Credit Shelter, Special Needs, Generation Skipping, Residence Trust Heirs: Beneficiary Planning, Annual Gifting, Estate Transfer, Transfer on Death, Asset Titling Charitable Giving: Charitable Trusts, Bequests, Donor Advised Funds, Legacy Planning Liability Issues Goal Protection: Life Insurance Review, Corporate vs. Personal Income Protection: Disability Insurance Liability Insurance: Umbrella Coverage Lending Needs: Personal, Business Family Planning College Planning: Child and Grandchild, 529 Plans, Custodial Accounts, Education IRAs Child Living Expenses: Special Needs Parents: Healthcare, Living Expenses, Housing *Trust and other fiduciary services are provided by third parties, including Morgan Stanley Private Bank National Association, a whollyowned subsidiary of Morgan Stanley. Life insurance, disability income insurance, and long-term care insurance are offered through Morgan Stanley Smith Barney LLC's licensed insurance agency affiliates. THE SWS GROUP 13

14 Morgan Stanley strives to offer clients the finest in financial thinking, products and execution to help them meet their individual needs and achieve their personal financial goals. When we work together, you ll benefit from personalized advice, objective guidance and dedication to your success as an investor. With access to Morgan Stanley s renowned global resources and investment opportunities, we can help you develop and maintain an optimal investment strategy. Our wealth management strategy will address key areas of your financial life beyond traditional investments and may incorporate diverse recommendations for building and protecting your wealth. 14 MORGAN STANLEY

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16 *Source: Barron s Top 100 Financial Advisors, (Insert Month Date), 2006, as identified by Barron s magazine, using quantitative and qualitative criteria and selected from a pool of over 800 nominations. Advisors in the Top 100 Financial Advisors have a minimum of seven years of financial services experience and $600 million in assets under management. Qualitative factors include, but are not limited to, compliance record, interviews with senior management and philanthropic work. Investment performance is not a criterion. The rating may not be representative of any one client s experience and is not indicative of the advisor s future performance. Neither Morgan Stanley nor its financial 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 Morgan Stanley. Investments and services offered through Morgan Stanley, member SIPC. Morgan Stanley Financial Advisors do not provide tax or legal advice. This material was not intended or written to be used for the purpose of avoiding tax penalties that may be imposed on the taxpayer. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters. Morgan Stanley Smith Barney LLC offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please contact us to understand these differences. Morgan Stanley Smith Barney LLC is a registered brokerdealer, 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. Unless otherwise specifically disclosed to you in writing, investments and services offered through Morgan Stanley are not insured by the FDIC, are not deposits or other obligations of, or guaranteed by, banks and involve investment risks, including possible loss of principal amount invested. Asset allocation and diversification do not guarantee a profit or protect against loss Morgan Stanley Smith Barney LLC. Member SIPC /2013 CRC CA Insurance Lice # 0H84013