The Paladin Group at Morgan Stanley. Advocates for the People, Causes and Goals You Cherish

Save this PDF as:
 WORD  PNG  TXT  JPG

Size: px
Start display at page:

Download "The Paladin Group at Morgan Stanley. Advocates for the People, Causes and Goals You Cherish"

Transcription

1 The Paladin Group at Morgan Stanley Advocates for the People, Causes and Goals You Cherish

2 3737 Glenwood Avenue, Ste. 320 Raleigh, North Carolina / Toll-Free / main / fax

3 The Paladin Group at Morgan Stanley The Paladin Group at Morgan Stanley advocates for the needs of successful families and their business interests. With almost a century of collective experience, we understand that your achievements often come with new concerns about minimizing your tax burden, preserving your lifestyle, and properly preparing your heirs. We believe that the complexity of the problems you face requires time, knowledge and judgment delivered by a team dedicated to wealth management. Our team is purposefully designed to deliver the strengths of each member to our clients. Because the Paladin Group is part of Morgan Stanley, we can also provide the depth and breadth of one of the world s most respected wealth management firms. With a deep-seated dedication to long-term client relationships, our group fully engages our clients in the service of the people, causes and goals that they cherish. We invite you to explore the following pages to understand all the ways that we can serve you. The paladin Group 3

4 Meet the Professionals Left to right: Bill Nave, Erin Beavers, Randy Hartley, Vann Russell, Ginny Whitley, Bob Randolph 4 Morgan Stanley

5 Randy Hartley, CFP Senior Investment Management Consultant Senior Vice President Wealth Management Financial Advisor Bob Randolph Senior Portfolio Manager Senior Vice President-Wealth Management Financial Advisor Vann Russell Financial Planning Specialist First Vice President-Wealth Management Financial Advisor Randy Hartley, Financial Advisor, began his career at Morgan Stanley in He holds the designations of Senior Investment Management Consultant and CERTIFIED FINANCIAL PLANNER TM. Within the Paladin Group, Randy takes the lead in issues involving estate planning strategies, qualified retirement plans, and long-term care planning. Randy s education includes B.A. and J.D. degrees from the University of Virginia s College of Arts and Sciences and its School of Law. Randy has two adult children and resides with his wife in Cary, North Carolina. He attends Edenton Street United Methodist Church and is a member of the Kiwanis Club of Raleigh and the UVA Club of the Triangle. Randy has a keen interest in college sports and jazz music. Bob Randolph, Financial Advisor, began his career with Morgan Stanley in He holds the designation of Financial Planning Specialist and is a member of the Portfolio Management Institute. Bob has a B.S. in Business Administration from Penn State with postgraduate MBA studies at the University of Pittsburgh. Within the Paladin Group, Bob takes the lead in macroeconomic research, portfolio construction, and retirement income planning. Bob and his wife have lived in Raleigh, North Carolina since 1984 where they raised their three children. Active in the community, Bob is a Rotarian and a Patron member of the WakeMed Society of He attends St. Francis of Assisi Catholic Church where he currently chairs the Finance Council. Vann Russell, Financial Advisor, began his career in the financial services industry in 1994 and has been with Morgan Stanley since A Raleigh native, he holds the designation of Financial Planning Specialist. Within the Paladin Group, Vann takes the lead in the areas of concentrated stock position hedging strategies, college education planning, and portfolio construction. Vann received a B.A. degree from Hampden-Sydney College. Vann resides in Raleigh, North Carolina with his wife and children. He attends Edenton Street United Methodist Church and is a member of the Hampden-Sydney Alumni Association. He enjoys running, fishing and playing golf. The paladin Group 5

6 Bill Nave Financial Advisor Ginny Whitley Portfolio Associate Erin Beavers Client Service Associate Bill Nave, Financial Advisor, began his career with Morgan Stanley in Bill has a BA from UNC-Wilmington with concentrations in Communications, Economics, and Spanish. Within the Paladin Group, Bill takes the lead in business development; he is also an integral part of the group s portfolio management, financial planning, and investment research efforts. Bill resides in Raleigh, North Carolina and is a coach for the First Tee of the Triangle, a blood donor for the American Red Cross, and a member of the UNCW Alumni Association. He enjoys surfing, swimming, reading, and playing golf. Ginny Whitley, Portfolio Associate, began working with Morgan Stanley in 2000 as a part-time employee while attending college and joined the firm full-time in Within the Paladin Group, Ginny serves as the team administrative officer, coordinating team activities and service functions, and client appointments. She holds the necessary securities licenses to enter investment orders and execute portfolio asset allocation changes. Ginny received a B.A. degree from Meredith College. Ginny resides in Clayton, North Carolina with her husband and son. She enjoys cooking, gardening and spending time with her family and friends. Erin Beavers, Client Service Associate, began her career with Morgan Stanley in Within the Paladin Group, Erin assists with overall client service and operational logistics. Her primary responsibilities include the transfer of assets and administration of client requests. Erin received her B.A. in Business Administration from East Carolina University in Greenville, North Carolina. Erin resides in Garner, North Carolina with her husband and children. She serves with her husband on the Youth Staff of the Temple of Pentecost in Raleigh, North Carolina and enjoys spending time with her family and friends. 6 Morgan Stanley

7

8 The Way We Do Business Most investors understand how difficult it is to move from financial daydreaming to practical planning with realistic goals. The fear of missing something important in planning for these goals is a real concern. Many people are confused by the vast array of investment choices and the contradictory investment opinions offered every day by television gurus. Most are too busy living their lives to stay abreast of their investments on a daily basis. They want to be able to reach their advisors when they need help. Our clients come to us because we are driven by the following core values: We are competent. We have the wisdom and skill to develop long-term investment strategies that help clients use their money to realize their goals. One of our particular strengths is the ability to answer questions clearly and without using jargon. We are comprehensive. We seek to gain the broadest understanding of our clients financial needs. We can call upon trusted outside professional resources in the community to help assess the important areas of financial planning not directly related to investments. Part of our service is helping our clients make sure that they have addressed all of the issues in their lives that could affect their investment plans. We are proactive. We speak with our clients about general market conditions and the performance of their investments on a regular schedule. Our clients know that they do not have to wonder about how their investments are performing or whether they should make changes because we keep them informed. 8 Morgan Stanley

9 We are reliable. Our clients can depend on us to make and keep commitments to accomplish tasks within an agreed upon time. We will regularly review and assess their investment portfolios and communicate the results. We are responsive. Our clients can count on us to be available to them when they want to talk. We believe that important communication with our clients should be by phone or in person. Our staff knows how to reach us when we are not in the office. We are caring and conduct ourselves with integrity. Our clients trust us to do what is right. We believe that mutually rewarding long-term relationships result from our genuine concern for what is best for our clients.

10 Investment Process Successful investment planning requires a disciplined process to understand three things that are important to our clients: what they want to accomplish with their wealth and to whom they want to leave it, what potential roadblocks stand in their way, and what investment results they must realize to help them achieve their goals. Our process addresses these issues in four distinct phases. PHASE 1: The purpose of discovery is to learn what our clients want their wealth to do for them, their families and the legacy they wish to leave. We do this by meeting with them in person to listen attentively to their priorities and concerns. 10 Morgan Stanley

11 Discovery Monitoring & Reporting PHASE 4: Once the strategies have been implemented, it is our responsibility to monitor every aspect of the wealth advisory framework and to report on the results, recommending changes as warranted. Planning & Strategy PHASE 2: Using our wealth advisory framework, we develop practical solutions to help our clients achieve their long-term objectives. This typically involves the creation of a carefully designed strategy to address issues such as sustaining lifestyle, managing assets and liabilities, and transferring wealth to family and cherished causes. We make sure that our clients clearly understand what we recommend and how it is designed to help them achieve their goals. PHASE 3: Implementation When our clients are comfortable with what they need to do, we then begin the process of implementation. We identify appropriate investments to help them achieve the necessary after-tax, inflation-adjusted returns. Where appropriate we direct them to outside professional resources, such as attorneys or CPAs, needed to address the other issues that may affect our planning and investment strategies.

12 Your Life and Your Legacy Whatever your goals income, borrowing, risk management, charitable giving, just to name a few designing a holistic wealth management plan is our top priority. Drawing on our own insight, as well as Morgan Stanley s global research and experienced financial specialists, we are able to make informed recommendations and propose a flexible plan that is uniquely yours. retirement planning Lifestyle review Risk review Pension and/or Social Security benefits analysis Retirement account assessment Retirement income plan Beneficiary review Health care/medicare planning 12 Morgan Stanley

13 Comprehensive Wealth Management Services investment services and personal investing business succession planning Asset allocation advice Investment advisory programs Capital markets services Traditional brokerage executive compensation management Business needs review Cash management and capital needs assessment Business valuation Succession plan documents Succession plan funding estate planning* family needs planning Financial planning Education planning Special needs child assessment and planning Planning for support of aging parents Concentrated stock services (monetizing, hedging) Rule 10b5-1 trading plans Stock option strategies Restricted securities (liquidation and risk management alternatives) Assist in estate and financial planning (particular to executive compensation management) * access to banking and lending services Review of wills, durable power of attorney (POA) for health care/poa living will and trusts Gifting Charitable giving Asset titling Estate tax funding Family dynamics/ family meeting * Team will help assist with both in-house and outside advisors. CRC# /12

14 How to Get Started 1 Schedule a Discovery Meeting 2 Work With Us to Gather Your Financial and Vital Records Last Tax Return Current Bank/Brokerage Statements Annuity Statements Retirement Plans and Other Employee Benefits Including Options and Restricted Stock Grants Insurance Information: Life, Health, Disability, Long-Term Care and Property/Casualty Summary of Expected Annual Living Expenses List of Current Liabilities such as Mortgages, Business or Other Debt Real Estate Holdings Personal and Investment Related Private Business Interests Wills, Trusts and Related Documents 14 Morgan Stanley

15

16 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 visit us at or consult with your Financial Advisor to understand these differences. Life insurance, disability income insurance, and long-term care insurance are offered through Morgan Stanley Smith Barney LLC s licensed insurance agency affiliates. Trust and other fiduciary services are provided by third parties, including Morgan Stanley Private Bank, National Association, a wholly owned subsidiary of Morgan Stanley. Certified Financial Planner Board of Standards Inc. owns the certificationmarks CFP, CERTIFIED FINANCIAL PLANNER and federally registered CFP (with flame design) in the U.S.,which it awards to individuals who successfully complete CFP Board s initial and ongoing certification requirements. 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 broker-dealer, 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. CRC CS /14

The Law Firm Group at Morgan Stanley

The Law Firm Group at Morgan Stanley The Law Firm Group at Morgan Stanley 717 TEXAS AVENUE SUITE 3050 HOUSTON, TX 77002 713-658-2777 / MAIN 800-890-2774 / TOLL-FREE 713-658-2729 / FAX lawfirmgroup@mssb.com The Law Firm Group at Morgan Stanley

More information

THE MCS GROUP at Morgan Stanley. Money. Life. Family. Business. All Connected.

THE MCS GROUP at Morgan Stanley. Money. Life. Family. Business. All Connected. THE MCS GROUP at Morgan Stanley Money. Life. Family. Business. All Connected. 4890 W. KENNEDY BLVD. SUITE 700, TAMPA, FL 33609 813-286-5660 / MAIN 800-326-4662 / TOLL-FREE 813-286-4322 / FAX www.morganstanleyfa.com/themcsgroup

More information

Mary Ann Coulson, CRPC. Senior Vice President Branch Manager

Mary Ann Coulson, CRPC. Senior Vice President Branch Manager Mary Ann Coulson, CRPC Senior Vice President Branch Manager 50 Fountain Plaza, Suite 800 Buffalo, NY 14202 716-849-4884 / MAIN mary.ann.coulson@mssb.com Managing wealth involves far more than managing

More information

Integritis Wealth Management Group at Morgan Stanley. Experienced, Goal-Driven Strategies and Solutions

Integritis Wealth Management Group at Morgan Stanley. Experienced, Goal-Driven Strategies and Solutions Integritis Wealth Management Group at Morgan Stanley Experienced, Goal-Driven Strategies and Solutions 330 FELLOWSHIP RD STE 400 MOUNT LAUREL, NJ 08054 800-596-5668 / MAIN 800-932-0037 / TOLL-FREE 856-273-6407

More information

Steven M. Swann, CFP. Senior Portfolio Manager Senior Vice President Financial Advisor

Steven M. Swann, CFP. Senior Portfolio Manager Senior Vice President Financial Advisor Steven M. Swann, CFP Senior Portfolio Manager Senior Vice President Financial Advisor 729 Southwest Federal Highway Suite 300, Stuart, Florida 34994 772-283-7170 / MAIN 800-325-0038 / TOLL-FREE www.fa.smithbarney.com/

More information

The Peachtree Group at Morgan Stanley

The Peachtree Group at Morgan Stanley The Peachtree Group at Morgan Stanley 3280 PEACHTREE RD NE SUITE 1900 ATLANTA, GA 30305 404-266-6390 / MAIN 877-386-5767 / TOLL-FREE 404-601-5471 / FAX http://fa.smithbarney.com/thepeachtreegroupsb/ index.htm

More information

KBB Wealth Management

KBB Wealth Management KBB Wealth Management KBB Wealth Management Todd C. Kelly, CFP, CIMA Senior Vice President Sr. Investment Management Consultant Matt J. Bridge, CFP Senior Vice President Sr. Investment Management Consultant

More information

Business Executive Services. Making Wealth Work for the Business Executive

Business Executive Services. Making Wealth Work for the Business Executive Business Executive Services Making Wealth Work for the Business Executive Work Business Executive Services (BES) was created to help unleash the full power of your company s benefits and compensation programs.

More information

Jason M. Judge. Financial Planning Specialist Vice President - Wealth Management Financial Advisor

Jason M. Judge. Financial Planning Specialist Vice President - Wealth Management Financial Advisor Jason M. Judge Financial Planning Specialist Vice President - Wealth Management Financial Advisor 13625 California Street Suite 400, Omaha, NE 68154 402-399-6354 / MAIN 800-228-3309 / TOLL-FREE 402-399-6336

More information

Nicole Dickerson, CRPC. Financial Advisor Chartered Retirement Planning Counselor

Nicole Dickerson, CRPC. Financial Advisor Chartered Retirement Planning Counselor Nicole Dickerson, CRPC Financial Advisor Chartered Retirement Planning Counselor 335 N. Maple Drive Suite 150 Beverly Hills, CA 90210 310-285-5665 / MAIN 800-669-4866 / TOLL-FREE 310-859-7245 / FAX http://fa.morganstanleyindividual.c

More information

The Boca Raton Group at Morgan Stanley Smith Barney. A Wealth Management Team

The Boca Raton Group at Morgan Stanley Smith Barney. A Wealth Management Team The Boca Raton Group at Morgan Stanley Smith Barney A Wealth Management Team "...To help our affluent clients and their families preserve and grow their wealth." Our Mission- Understanding What Is Really

More information

ADVISORY SERVICES FOR FAMILY WEALTH

ADVISORY SERVICES FOR FAMILY WEALTH ADVISORY SERVICES FOR FAMILY WEALTH We d like to invite you to a very personal experience of global financial strength. We are a select group of financial professionals, a group that believes you as one

More information

The SWS Group at Morgan Stanley

The SWS Group at Morgan Stanley The SWS Group at Morgan Stanley 30 BURTON HILLS BLVD SUITE 250, NASHVILLE, TN 37215 615-665-4733 / MAIN 866-785-7526 / TOLL-FREE 615-665-4716 / FAX As the financial world becomes more complex and investment

More information

Bruce R. Butler, CFP Executive Financial Services Director Senior Vice President - Wealth Management

Bruce R. Butler, CFP Executive Financial Services Director Senior Vice President - Wealth Management Bruce R. Butler, CFP Executive Financial Services Director Senior Vice President - Wealth Management 227 West Monroe Street Suite 3400, Chicago, IL 60606 312-917-7416 / MAIN 800-334-2446 / TOLL-FREE 312-648-3344

More information

The Aistear Group at Morgan Stanley. Guiding You on Your Journey to Financial Success

The Aistear Group at Morgan Stanley. Guiding You on Your Journey to Financial Success The Aistear Group at Morgan Stanley Guiding You on Your Journey to Financial Success 601 Union Street Suite 5200, Seattle, WA 98101 206-344-5024 / MAIN 206-310-5025 / CELL 800-426-7837 / TOLL-FREE 206-628-4425

More information

Retirement Planning and Wealth Management

Retirement Planning and Wealth Management Retirement Planning and Wealth Management Kurt Rohrs Principal Advisor, Inc. www.swretire.com About, Inc. Principal Advisor Kurt Rohrs is the Principal Financial Advisor with, Inc. specializing in Financial

More information

The California Delta Group at Morgan Stanley Smith Barney....managing change

The California Delta Group at Morgan Stanley Smith Barney....managing change The California Delta Group at Morgan Stanley Smith Barney...managing change Delta is the symbol for change... The California Delta Group at Morgan Stanley Smith Barney looks forward to helping our clients

More information

Wealth Management A Prudent Process

Wealth Management A Prudent Process Wealth Management A Prudent Process Craig Chapman, CFP Director Investments Financial Advisor My Business Story Compliance Approval: A28081915RM1 Thank you for taking the time to examine my business story

More information

The Korbell Group at Morgan Stanley Smith Barney. Managing Your Wealth Growing Our Relationship

The Korbell Group at Morgan Stanley Smith Barney. Managing Your Wealth Growing Our Relationship The Korbell Group at Morgan Stanley Smith Barney Managing Your Wealth Growing Our Relationship By combining the experience and skills of the Korbell Group at Morgan Stanley Smith Barney, we deliver tailored

More information

The Brunner Fox Group at Morgan Stanley. Wealth Management Solutions for the Privately Held Business

The Brunner Fox Group at Morgan Stanley. Wealth Management Solutions for the Privately Held Business The Brunner Fox Group at Morgan Stanley Wealth Management Solutions for the Privately Held Business 717 Texas Avenue, Suite 3050 Houston, TX 77002 800-890-2774 / TOLL-FREE 713-658-2786 / MAIN 713-658-2729

More information

The Integra Group Morgan Stanley Smith Barney

The Integra Group Morgan Stanley Smith Barney Contact Information at Tel: (925) 746-2982 Email: george.noceti@mssb.com Tel: (925) 746-2918 Email: paul.noceti@mssb.com Our Mission Statement Your economic and life situation is unique, and we at keep

More information

My Personal Approach To Comprehensive Wealth Management

My Personal Approach To Comprehensive Wealth Management My Personal Approach To Comprehensive Wealth Management Pinnacle Asset Management H. Berney Ragan, CFP, REBC, CRPS berney.ragan@pnfp.com (615) 620-1238 Your Financial Planner for Comprehensive Wealth Management

More information

What is Wealth Management?

What is Wealth Management? What is Wealth Management? INVESTMENT AND INSURANCE PRODUCTS: NOT FDIC INSURED. NOT A BANK DEPOSIT. NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY. NOT BANK GUARANTEED. MAY LOSE VALUE The Wealth Management

More information

The Rooney Blomberg Group at Morgan Stanley Smith Barney. managing your wealth, growing our relationship

The Rooney Blomberg Group at Morgan Stanley Smith Barney. managing your wealth, growing our relationship The Rooney Blomberg Group at Morgan Stanley Smith Barney managing your wealth, growing our relationship The Rooney Blomberg Group is committed to building long term relationships, providing high quality

More information

The NorthStar Group at Morgan Stanley. We Will Help You Chart Your Course

The NorthStar Group at Morgan Stanley. We Will Help You Chart Your Course The NorthStar Group at Morgan Stanley We Will Help You Chart Your Course 60 East South Temple Suite 2000, Salt Lake City, UT 84111 801-322-4711 / MAIN 800-453-9408 / TOLL-FREE 801-322-7695 / FAX www.ms.com/fa/thenorthstargroup/

More information

An Integrated Approach to Managing Your Wealth. Personal Trust Services

An Integrated Approach to Managing Your Wealth. Personal Trust Services An Integrated Approach to Managing Your Wealth Personal Trust Services A B Many wealthy individuals compartmentalize their finances, investing with brokerage firms and establishing trusts at trust companies.

More information

Stifel Wealth Strategist Report

Stifel Wealth Strategist Report Stifel Wealth Strategist Report Planning for your future. How do you like to travel? Do you take the scenic route by car, ensuring that you see all the sights along the way? Or do you stick to the interstates?

More information

The Hoffman Group at Morgan Stanley Smith Barney

The Hoffman Group at Morgan Stanley Smith Barney The Hoffman Group at Morgan Stanley Smith Barney 601 Cleveland Street Suite 700, Clearwater, Florida 33755 727-441-6111 / Main 800-347-9047 / Toll-Free 727-441-6158 / fax www.morganstanley.com/fa/todd.hoffman

More information

Global Corporate and Institutional Advisory Services (GCIAS)

Global Corporate and Institutional Advisory Services (GCIAS) Global Corporate and Institutional Advisory Services (GCIAS) GCIAS 3455 Peachtree Road NE, Suite 1000 Atlanta, GA 30326 Toll-free: 888.763.2327 Merrill Lynch Wealth Management makes available products

More information

Your story is unique. Your Financial Advisor will work with Wells Fargo Private Bank to build a team designed around you

Your story is unique. Your Financial Advisor will work with Wells Fargo Private Bank to build a team designed around you Your story is unique Your Financial Advisor will work with Wells Fargo Private Bank to build a team designed around you A team of local professionals focused on your needs Your relationship with your Wells

More information

The Black Diamond Group at Morgan Stanley Smith Barney

The Black Diamond Group at Morgan Stanley Smith Barney The Black Diamond Group at Morgan Stanley Smith Barney 1000 Elm Street 14th Floor, Manchester, New Hampshire 03101 603-629-0214 / Main fa.smithbarney.com/ theblackdiamondgroup ian.macdermott@mssb.com One

More information

The Welsh/Friesen Group at Morgan Stanley

The Welsh/Friesen Group at Morgan Stanley The Welsh/Friesen Group at Morgan Stanley 13625 California St Suite 400, Omaha, NE 68154 402-399-1541 / MAIN 800-228-3309 / TOLL-FREE 402-399-6146 / FAX morganstanleyfa.com/thewelshgroup/ The Welsh/Friesen

More information

WEALTH MANAGEMENT SOLUTIONS

WEALTH MANAGEMENT SOLUTIONS WEALTH MANAGEMENT SOLUTIONS Manage your assets Protect your wealth Build your legacy Wealth Management Solutions from Raymond James managing your assets protecting your wealth building your legacy Wealth

More information

The 411 Group at Morgan Stanley Smith Barney

The 411 Group at Morgan Stanley Smith Barney The 411 Group at Morgan Stanley Smith Barney 411 East Wisconsin Avenue Suite 2200, Milwaukee, WI 53202 414-226-3000 / MAIN 800-558-7505 / TOLL-FREE 414-226-3081 / FAX www.fa.smithbarney.com/the411groupsb

More information

The Meritage Group at Morgan Stanley. Our Signature Blend of Financial Services

The Meritage Group at Morgan Stanley. Our Signature Blend of Financial Services The Meritage Group at Morgan Stanley Our Signature Blend of Financial Services 250 S PARK AVE STE 500, WINTER PARK, FL 32789 407-740-4984 / MAIN 800-829-5105 / TOLL-FREE www.morganstanley.com/fa/meritagegroup

More information

One Point Wealth Management Group at Morgan Stanley

One Point Wealth Management Group at Morgan Stanley 2 SERVICES 4 PROCESS 6 INVESTMENTS One Point Wealth Management Group at Morgan Stanley 227 West Monroe Street Suite 3400, Chicago, Illinois 60606 312-648-3512 / andrew griffo 312-648-3410 / alan GUERNSEY

More information

G. Schroeder, CIMA Vice President Financial Advisor 601 Union Street, Suite 5200 Seattle, WA 98101 1-206-628-4855

G. Schroeder, CIMA Vice President Financial Advisor 601 Union Street, Suite 5200 Seattle, WA 98101 1-206-628-4855 G. Schroeder, CIMA Vice President Financial Advisor 601 Union Street, Suite 5200 Seattle, WA 98101 1-206-628-4855 G. Schroeder, Financial Advisor at Morgan Stanley As the financial world becomes more complex

More information

Steven has been recognized and featured as one of 2010 Barron Magazine s Top 1,000 Financial Advisors in the Country.

Steven has been recognized and featured as one of 2010 Barron Magazine s Top 1,000 Financial Advisors in the Country. As a fully licensed professional for more than 20 years, Steven began his career in the financial services industry as a financial advisor at Smith Barney. In 2004, Steven joined Banc of America Investment

More information

Plan for Your Future. Make It Happen. Morgan Stanley can help you achieve your financial goals.

Plan for Your Future. Make It Happen. Morgan Stanley can help you achieve your financial goals. Plan for Your Future. Make It Happen. Morgan Stanley can help you achieve your financial goals. What Are Your Hopes and Dreams? Regardless of what stage of life you re currently in moving ahead in your

More information

TIAA Individual Advisory Services. Personalized financial advice for every stage of life

TIAA Individual Advisory Services. Personalized financial advice for every stage of life TIAA Individual Advisory Services Personalized financial advice for every stage of life Personalized solutions for your financial independence Find an advisor today. Go to tiaa.org/ individualadvisoryservices

More information

Wealth Structuring and Estate Planning. Your vision and your legacy. Life s better when we re connected

Wealth Structuring and Estate Planning. Your vision and your legacy. Life s better when we re connected Wealth Structuring and Estate Planning Your vision and your legacy Life s better when we re connected Inside 1 Helping you shape the future 2 The elements of wealth structuring 4 The power and flexibility

More information

The JMS Group At Morgan Stanley

The JMS Group At Morgan Stanley The JMS Group At Morgan Stanley Downtown Location West Side Location 33 E. Main Street, Suite 700 1241 John Q Hammons Drive Madison, WI 53703 Madison, WI 53717 (608) 283-2314 (608) 829-3260 Morgan Stanley

More information

Finding the Right Investment Advisor: Key Questions Pilots Need to Ask Now

Finding the Right Investment Advisor: Key Questions Pilots Need to Ask Now Finding the Right Investment Advisor: Key Questions Pilots Need to Ask Now At Cleary Gull, we think the best way to find the right investment advisor is to focus on the four Ps: people, philosophy, process

More information

Blakeway & Associates. Wealth Management

Blakeway & Associates. Wealth Management Blakeway & Associates Wealth Management We are committed to Addressing Many Aspects of Your Financial Life. Blakeway & Associates offers clients and their families big picture thinking in a consultative

More information

THE STRATEGIC WEALTH ADVISORS GROUP AT CITI PERSONAL WEALTH MANAGEMENT

THE STRATEGIC WEALTH ADVISORS GROUP AT CITI PERSONAL WEALTH MANAGEMENT THE STRATEGIC WEALTH ADVISORS GROUP AT CITI PERSONAL WEALTH MANAGEMENT Managing Your Wealth, Growing Our Relationship INVESTMENTS AND INSURANCE PRODUCTS: NOT FDIC INSURED NOT A BANK DEPOSIT NOT INSURED

More information

Wealth Preservation Tax Reduction Strategies. Wealth Transfer. Charitable Giving

Wealth Preservation Tax Reduction Strategies. Wealth Transfer. Charitable Giving BRIAN RAMSEY MBA, CFP, ChFC Senior Wealth Manager brian.ramsey@meritrustwm.com Direct: 502.882.4613 Brian Ramsey is a Senior Wealth Manager at Meritrust Wealth Management. Brian specializes in collaborating

More information

Introducing Greg Thompson, CFP

Introducing Greg Thompson, CFP Introducing Greg Thompson, CFP Greg R. Thompson, CFP Financial Advisor* 9311 San Pedro, St 600 San Antonio, TX 78216 Ofc (210) 321-7340 Mob (210) 279-8077 800-527-0066 www.swbcinvestmentcompany.com vintegrity

More information

Financing and Liquidity Strategies

Financing and Liquidity Strategies Financing and Liquidity Strategies A Morgan Stanley offers you a comprehensive approach to financing and liquidity delivering customized solutions for you that complement your overall investment strategy

More information

Ferguson & Associates

Ferguson & Associates Ferguson & Associates Merrill Lynch makes available products and services offered by Merrill Lynch, Pierce, Fenner & Smith Incorporated (MLPF&S) and other subsidiaries of Bank of America Corporation (BofA

More information

Financial Planning and Investment Advisory Services. Fitzgerald Financial Group 1

Financial Planning and Investment Advisory Services. Fitzgerald Financial Group 1 Financial Planning and Investment Advisory Services Fitzgerald Financial Group 1 PARTNERING TO SOLIDIFY YOUR FINANCIAL FUTURE At Fitzgerald Financial Group, our goal is to help strengthen the financial

More information

Trust Services at Merrill Lynch. Estate Planning Services

Trust Services at Merrill Lynch. Estate Planning Services Trust Services at Merrill Lynch Estate Planning Services Merrill Lynch Wealth Management makes available products and services offered by Merrill Lynch, Pierce, Fenner & Smith Incorporated (MLPF&S) and

More information

SERVICE. LOYALTY. HONESTY. INTEGRITY.

SERVICE. LOYALTY. HONESTY. INTEGRITY. SERVICE. LOYALTY. HONESTY. INTEGRITY. USAA WEALTH MANAGEMENT Since 1922, USAA s mission has been to facilitate the financial security of our members and their families. Our approach is built on a tradition

More information

Financial Strategies for the 21st Century

Financial Strategies for the 21st Century 2 The Life Cycle 2 The Wealth Management Model 3 Putting the Pieces Together online report consulting group Strategies for the 21st Century summary a brief introduction to managing your wealth While individuals

More information

Keith I. Levitt, CFP Private Wealth Management

Keith I. Levitt, CFP Private Wealth Management Keith I. Levitt, CFP Private Wealth Management Keith I. Levitt, CFP Senior Investment Consultant Private Wealth Management 100 West Road Suite 200 Towson, MD 21204 410-769-5200 888-792-9391 klevitt@rwbaird.com

More information

Above~ the~line. Family Wealth Management. The Roeser Group

Above~ the~line. Family Wealth Management. The Roeser Group Above~ the~line Family Wealth Management The Roeser Group Above-the-line Wealth Management A fine line separates top financial professionals. Some are expert investment managers. Others are specialists

More information

Comprehensive Wealth Management. Clarity. It changes everything.

Comprehensive Wealth Management. Clarity. It changes everything. Comprehensive Wealth Management Clarity. It changes everything. WHO WE ARE Knowing that you have a plan for your personal finances and retirement frees you to pursue your passions. At Avier, we take the

More information

Morgan Stanley. R & R Partners. 522 Fifth Avenue, 15th Floor New York, NY 10036 (212)-296-1031. www.morganstanleyfa.com/rudowramos

Morgan Stanley. R & R Partners. 522 Fifth Avenue, 15th Floor New York, NY 10036 (212)-296-1031. www.morganstanleyfa.com/rudowramos R & R Partners 522 Fifth Avenue, 15th Floor New York, NY 10036 (212)-296-1031 www.morganstanleyfa.com/rudowramos 0 Table of Contents Our Mission Page 2 Wealth Management Page 3 Why R and R Partners? Page

More information

Our Services Include:

Our Services Include: We provide wealth management and financial planning services for Christians including asset management, retirement accumulation and estate planning on a feeonly basis. Our objective is to deliver customized

More information

How to Evaluate An Investment Advisor

How to Evaluate An Investment Advisor Key Questions to Ask an Investment Advisor Specially Prepared for Continental Airlines Pilots Nearing Retirement You have built a substantial retirement nest egg over the years. Soon, you can relax and

More information

Your future. Our focus. Financial planning services program for American Association of Physician Specialists, Inc. (AAPS) Members

Your future. Our focus. Financial planning services program for American Association of Physician Specialists, Inc. (AAPS) Members Your future. Our focus. Financial planning services program for American Association of Physician Specialists, Inc. (AAPS) Members Pursue your goals with confidence As a member of American Association

More information

Control & Restricted Stock: More Flexible Than Ever?

Control & Restricted Stock: More Flexible Than Ever? Q. Do you own control stock? That depends on who you are. Q. Are you aware of your company's trading policies? Q. How can you sell, borrow against and otherwise monetize your shares? Q. How can you use

More information

Labiak, Ficara & Associates. Wealth Management

Labiak, Ficara & Associates. Wealth Management Labiak, Ficara & Associates Wealth Management Labiak, Ficara & Associates Wealth Management Merrill Lynch Wealth Management makes available products and services offered by Merrill Lynch, Pierce, Fenner

More information

Portfolio Presentation: Growth & Income and U.S. Diversified Equity

Portfolio Presentation: Growth & Income and U.S. Diversified Equity Portfolio Presentation: Growth & Income and U.S. Diversified Equity The above portfolios are available through the Morgan Stanley Portfolio Management program, managed by Portfolio Manager Bernard Semon

More information

ADV Part 2A Brochure As of November 30, 2015

ADV Part 2A Brochure As of November 30, 2015 ADV Part 2A Brochure As of November 30, 2015 Dodds Wealth Management Group Denver Office: 385 Inverness Parkway, Suite 105 Englewood, CO 80112 Colorado Springs Office: 1155 Kelly Johnson Blvd., Suite 130

More information

Form ADV Part 2A (Firm Brochure) HORAN Wealth Management 4990 East Galbraith Road Cincinnati, OH 45236 513.745.0707 www.horanassoc.

Form ADV Part 2A (Firm Brochure) HORAN Wealth Management 4990 East Galbraith Road Cincinnati, OH 45236 513.745.0707 www.horanassoc. Form ADV Part 2A (Firm Brochure) HORAN Wealth Management 4990 East Galbraith Road Cincinnati, OH 45236 513.745.0707 www.horanassoc.com January 1, 2016 This document provides information about the qualifications

More information

Wealth Management. at Janney Montgomery Scott

Wealth Management. at Janney Montgomery Scott Wealth Management at Janney Montgomery Scott W e a l t h M a n a g e m e n t Janney Montgomery Scott understands that wealth like life is more than just an event. It is an ongoing process of growth and

More information

Thank you for joining: 15 Financial Myths Demystified The webinar will begin shortly. If you are experiencing technical difficulties with Adobe

Thank you for joining: 15 Financial Myths Demystified The webinar will begin shortly. If you are experiencing technical difficulties with Adobe Thank you for joining: 15 Financial Myths Demystified The webinar will begin shortly. If you are experiencing technical difficulties with Adobe Connect, please call 1-800-422-3623. 15 Financial Myths Demystified

More information

USAA Wealth Management & Military Officers Association of America

USAA Wealth Management & Military Officers Association of America USAA Wealth Management & Military Officers Association of America Views and opinions expressed in this seminar are provided for informational purposes only and are subject to change. This discussion should

More information

The Hoelzel Jacobson Hare Group at Morgan Stanley Smith Barney

The Hoelzel Jacobson Hare Group at Morgan Stanley Smith Barney The Hoelzel Jacobson Hare Group at Morgan Stanley Smith Barney 15260 Ventura Blvd. Suite 1900, Sherman Oaks, CA 91403 818-382-5780 / MAIN 800-237-4821 / TOLL-FREE 818-382-5768 / FAX fa.smithbarney.com/hoelzeljacobsonharegroup/

More information

The Scott Group at Morgan Stanley Smith Barney

The Scott Group at Morgan Stanley Smith Barney The Scott Group at Morgan Stanley Smith Barney Our Mission We are wealth management advisors and consultants assisting our clients in planning and implementing a diverse range of financial planning strategies.

More information

The Private Wealth Management Relationship

The Private Wealth Management Relationship T h e co r p o r at e e x ec u t i v e As a corporate executive, you fulfill responsibilities to a broad range of constituencies: your colleagues, employees, board of directors, and most importantly,

More information

STERLING FUTURES REGISTERED INVESTMENT ADVISOR

STERLING FUTURES REGISTERED INVESTMENT ADVISOR STERLING FUTURES REGISTERED INVESTMENT ADVISOR Sterling Futures (a California corporation) provides comprehensive wealth management services including financial planning, investment management and counseling.

More information

Applied Advisor Phone: 415-325-2042 Date: 1/3/2016

Applied Advisor Phone: 415-325-2042 Date: 1/3/2016 Planner's Name: Kathleen Hentges, CFP Company: Applied Advisor Phone: 415-325-2042 Date: 1/3/2016 1 Do you have experience in providing advice on the topics below? If yes, indicate the number of years.

More information

Financial Planning Services

Financial Planning Services UBS Financial Services Inc. SEC File Number 801-7163 1000 Harbor Boulevard March 31, 2015 Weehawken, NJ 07086 (201)352-3000 http://financialservicesinc.ubs.com Financial Planning Services This brochure

More information

Schwab Private Client Fact Finder

Schwab Private Client Fact Finder Schwab Private Client Fact Finder Your first step toward creating a personal financial plan tailored to your needs that can help you reach your goals. Please return completed form to your Schwab Portfolio

More information

strategic asset management discover financial independence Through Powerful Advice

strategic asset management discover financial independence Through Powerful Advice strategic asset management discover financial independence Through Powerful Advice envision your financial future Set Your Expectations High Whatever your destination, a solid investment program can help

More information

Questions to Ask When Choosing a Financial Planner: Our Responses

Questions to Ask When Choosing a Financial Planner: Our Responses Questions to Ask When Choosing a Financial Planner: Our Responses Selecting a competent, qualified financial planner with whom you feel comfortable and one whose business style suits your needs is an important

More information

Using Credit Strategies Wisely in Retirement Planning.

Using Credit Strategies Wisely in Retirement Planning. Using Credit Strategies Wisely in Retirement Planning. Prepared by. Lawrence Katz, Regional Private Banking Manager. Todd Barfield, Regional Private Banking Manager. In this white paper. 1 Meeting capital

More information

Private Client Group

Private Client Group Private Client Group Our Commitment to You On behalf of our clients, Sterling Capital Management strives to: Deliver strong investment performance and exceptional service Foster a work environment built

More information

Financial Planning. at Janney Montgomery Scott

Financial Planning. at Janney Montgomery Scott Financial at Janney Montgomery Scott W e a l t h M a n a g e m e n t Your life consists of stages. We see it and help you plan for it as a continuous timeline. Financial at Janney Montgomery Scott Living

More information

Checklist for Interviewing a Financial Planner

Checklist for Interviewing a Financial Planner www.cfp.net Checklist for Interviewing a Financial Planner Name: Company: Anne B. O'Brien, MBA, CFP O Brien Associates (Independent, Fee-Only Financial Planning and Advice) Address: 47 Shore Road, rth

More information

ProFocus Incorporated

ProFocus Incorporated ProFocus Incorporated General Information and Disclosure Statement THIS DOCUMENT HAS BEEN FILED WITH THE ARIZONA CORPORATION COMMISSION SECURITIES DIVISION AND IS GIVEN TO EACH NEW PERSPECTIVE CLIENT AS

More information

Five common 529 college savings plan questions

Five common 529 college savings plan questions Advanced Planning September 2013 Wealth Planning Insights Contents Five common 529 college savings plan questions Pages 1 7 Given the historical increases of college costs, families with children are anticipating

More information

The Lewis Group of BB&T Scott & Stringfellow

The Lewis Group of BB&T Scott & Stringfellow The Lewis Group of BB&T Scott & Stringfellow John B. Lewis Joe W. Bartholomew Kylie A. Roman Trevor C. Adams Kate M. Townes The Publicist (804) 787-1138 (804) 775-2886 (804) 787-1332 (804) 787-8239 (804)

More information

APRIL 2015. Private Foundation

APRIL 2015. Private Foundation APRIL 2015 Private Foundation A private foundation is a legal entity created, funded and operated for the primary purpose of making grants to charities. Because of its charitable mission, a private foundation

More information

Imagine Your Future Set YourGoals Chart Your Course. The Importance of Financial Planning

Imagine Your Future Set YourGoals Chart Your Course. The Importance of Financial Planning Imagine Your Future Set YourGoals Chart Your Course The Importance of Financial Planning Ask yourself these questions: Financial Planning Provides Direction and Discipline It s important to know where

More information

A Real Discussion About You and Your Money. Lori B. Gervais, CFP

A Real Discussion About You and Your Money. Lori B. Gervais, CFP A Real Discussion About You and Your Money Lori B. Gervais, CFP Questions We Ask Ourselves What does money mean to me? Where do I see myself in the next 2, 5, 10, or 30 years? Does what we do matter? Are

More information

The Financial Planning Process

The Financial Planning Process The Financial Planning Process Overview Financial planning is the setting and implementation of goals for the utilization of one s money. Financial planning is not a product or a service but a series of

More information

The Weiner Wealth Management Group

The Weiner Wealth Management Group The Weiner Wealth Management Group Helping you pursue your financial goals. The Weiner Wealth Management Group Our mission is to guide our clients in their quest to preserve and grow their assets over

More information

Flanagan Wealth Management Group. An architect for your financial future

Flanagan Wealth Management Group. An architect for your financial future Ab Flanagan Wealth Management Group An architect for your financial future We believe in taking the time to connect with you not just on a financial, but on a personal level to ensure we understand what

More information

Private Investment Management. HSBC Private Wealth Services (Canada) Inc.

Private Investment Management. HSBC Private Wealth Services (Canada) Inc. Private Investment Management HSBC Private Wealth Services (Canada) Inc. Private Investment Management Contents An introduction to Private Investment Management 4 Your Private Investment Management team

More information

The Gordon Financial Group at Morgan Stanley

The Gordon Financial Group at Morgan Stanley GFG The Gordon Financial Group at Morgan Stanley The Experience to Help You Grow and Manage Your Wealth Why do clients seek us out?????????? 2 GFG That s the question recently posed by a retiring attorney

More information

Capital Advisory Group 442 W. Kennedy Blvd., Suite 380 Tampa, FL 33606 813 254 1070

Capital Advisory Group 442 W. Kennedy Blvd., Suite 380 Tampa, FL 33606 813 254 1070 Capital Advisory Group 442 W. Kennedy Blvd., Suite 380 Tampa, FL 33606 813 254 1070 This brochure is required by law and provides information about the qualifications and business practices of Capital

More information

The 8 Wealth Management Issues and Form 1040 Resolving a Common Frustration for Tax Professionals

The 8 Wealth Management Issues and Form 1040 Resolving a Common Frustration for Tax Professionals The 8 Wealth Management Issues and Form 1040 Resolving a Common Frustration for Tax Professionals Sarah is a tax professional whose clients often ask for financial advice. One morning, her client Mike

More information

The RGL Group at Morgan Stanley: Working With You 2015

The RGL Group at Morgan Stanley: Working With You 2015 The RGL Group at Morgan Stanley: Working With You 2015 Robert M. Ryan CFP, CIMA, CPWA Senior Vice President Wealth Advisor Senior Portfolio Manager FIVE STAR Wealth Manager recipient 2014 Craig A. Lewis

More information

The Snyder-Ervin Group at Morgan Stanley

The Snyder-Ervin Group at Morgan Stanley The Snyder-Ervin Group at Morgan Stanley 410 Severn Avenue Building B, Suite 211 Annapolis, MD 21403 Main: 410.295.5869 Toll-Free: 888.645.5344 Fax: 410.295.5800 https://fa.morganstanley.com/seg. 2016

More information

Adviser Services Statement of Adviser Qualifications and Services

Adviser Services Statement of Adviser Qualifications and Services Retirement Plan Adviser Services Statement of Adviser Qualifications and Services Prepared by: Chris S. Eilers, President 14160 Palmetto Frontage Rd. Ste 12 Miami Lakes, FL 33016 FOR PLAN SPONSOR USE ONLY.

More information

Wealth Management: Financial Planning for the New Economy

Wealth Management: Financial Planning for the New Economy Contents Are You Positioned for Financial Success?...2 What is Wealth Management?....3 Am I a Candidate for Wealth Management?...5 The Wealth Management Process: A Snapshot...6 Why Consider a Wealth Management

More information

FOUNDATION ADVISORY SERVICES

FOUNDATION ADVISORY SERVICES FOUNDATION ADVISORY SERVICES Pursuing your philanthropic vision for your private foundation Philanthropic Solutions COMPREHENSIVE ADVICE AND SOLUTIONS FROM U.S. TRUST Philanthropic planning Foundation

More information

Megan Schlaack. Financial Advisor & Wealth Management. Summer 2010 Megan Schlaack Financial Advisor

Megan Schlaack. Financial Advisor & Wealth Management. Summer 2010 Megan Schlaack Financial Advisor Megan Schlaack Financial Advisor & Wealth Management Summer 2010 Megan Schlaack Financial Advisor Megan Schlaack - Summary of Services Balance Sheet Management & Liquidity - Complex Financing Structures

More information