The 411 Group at Morgan Stanley Smith Barney

Save this PDF as:
 WORD  PNG  TXT  JPG

Size: px
Start display at page:

Download "The 411 Group at Morgan Stanley Smith Barney"

Transcription

1 The 411 Group at Morgan Stanley Smith Barney

2 411 East Wisconsin Avenue Suite 2200, Milwaukee, WI / MAIN / TOLL-FREE / FAX

3 The 411 Group at Morgan Stanley Smith Barney Like the number it represents, the 411 Group is all about information, which is, after all, the bedrock of any successful wealth management strategy. It begins with you sharing your information with us. That includes your financial situation, your immediate cash flow needs, and especially your long-term goals and aspirations. We ll use your information to create a comprehensive financial plan that can be adjusted and adapted as we implement an investment strategy designed to help you meet the challenges and changes that occur throughout your life. At The 411 Group, we also believe that an informed investor is more likely to be a satisfied investor, which is why we make sure you understand any investment or financial decision we recommend. You ve been successfully accumulating assets your entire lives, and now it s up to us to help you capitalize on that success. Whether you re looking for ways to fund college for your children or grandchildren, maintain your standard of living in retirement or deal with the financial issues of a divorce or caring for an aging parent, the relationship you have with us encompasses all of that and more, for our one and only goal is to help you achieve all of yours. THE 411 GROUP 3

4 Meet the Professionals The 411 Group 4 MORGAN STANLEY SMITH BARNEY

5 Larry A. Prochonow Senior Vice President Financial Advisor A veteran financial advisor with more than 30 years experience, Larry focuses on developing equity trading strategies appropriate to your objectives, risk tolerance and time horizons. As a member of the team, Larry s primary focus is to work with individuals who wish to be actively involved in managing their portfolios, and advise clients on individual stock and commodity trading. A Financial Advisor since 1979, he spent the last 18 years with Morgan Stanley Smith Barney and holds Series 7 and Series 63 securities registrations, Series 3 National Commodity Futures registration, and Health and Life Insurances licenses. Prior to entering financial services, Larry was a high school history teacher in Milwaukee. A native of North Central Wisconsin, he graduated from the University of Wisconsin of River Falls with a BS high school teaching degree in Social Studies and English, then received an MA in American History, with minors in Sociology and Anthropology from the University of Minnesota. When not helping clients, Larry and his wife of 43 years, Jeanne, are active in a range of civic activities including The Next Door Foundation and the International Crane Foundation. They are avid birders, participate every year in the Audubon Society s Christmas Bird Count, and recently traveled to Bhutan in Southeast Asia with the Crane Foundation. Larry and Jeanne live on Milwaukee s east side and have two grown children, Jason and Andrew, and three grandchildren, Justin, Aarti and Ashwyn. Tom Kueht Financial Planning Specialist Vice President Financial Advisor Tom has been helping clients reach their financial goals since 1982 when he joined Morgan Stanley Smith Barney and its predecessor firms. Tom s focus on the team is creating customized fixed income strategies to help meet clients retirement income needs. He also develops financial plans that pull together a client s diverse assets and liabilities and presents a coordinated and comprehensive plan to manage them and work toward achieving the client s goals. A Milwaukee area native and a graduate of Marquette University High School, Tom received a BA from St. Norbert College, near Green Bay. He later served in the US Army as an Air Traffic Controller and worked for ten years as a radio advertising sales representative and sales manager THE 411 GROUP 5

6 before entering financial services. One of a select group of Morgan Stanley Smith Barney Financial Advisors with the Financial Planning Specialist and the Guided Portfolio Manager designations, Tom holds Series 7 and Series 63 securities registrations, Series 65 Investment Advisory Agent registration, Series 31 Managed Futures Funds registration and Life, Health and Disability, and Long-Term-Care Insurance licenses. When not working, Tom enjoys giving back to the community as a member of the Marquette University High School and St. Norbert College Alumni Associations, St. Norbert s Planned Giving Advisory Board, and a Board member of Milwaukee Public Television-Friends. He also works with Junior Achievement of Wisconsin teaching JA business projects at the high school level. Tom and his wife of 40 years, Kathleen, have two grown children, Kristin and Tim, and four grandchildren, Erin, Katlyn, Rian and Evan Joe Wilson Financial Planning Specialist Financial Advisor Named one of Milwaukee s best personal wealth managers, Joe has received the prestigious "5 Star Wealth Manager Award," which is sponsored in partnership with Milwaukee magazine, for the past three years in a row. Within the team, Joe s primary role is that of chief investment advisor, managing the team s discretionary portfolios and creating financial plans. A financial advisor for over a decade, Joe is certified as a Guided Portfolio Manager and is designated a Financial Planning Specialist, having completed the firm s advanced financial planning training program. He holds Series 7 and Series 63 securities registrations, Series 65 Investment Advisory Agent registration, Series 31 Managed Futures Funds registration, and Life, Health and Disability 6 MORGAN STANLEY SMITH BARNEY

7 Insurance licenses. Prior to becoming a Financial Advisor at Morgan Stanley Smith Barney and its predecessor firms in 1999, Joe was a swimming coach and, like Larry, a history teacher, which means he considers more than just the numbers, taking into consideration factors such as geopolitical & economic environments, bringing a global perspective to his risk-reward analysis. & Finance Commission. From 2005 to 2007 he was President of Lake Park Friends, the largest park friends group in the Milwaukee area. An avid reader, Joe enjoys spending time with his family and watching his children participate and succeed in a variety of sporting events. He and his wife Alice live on Milwaukee s east side with their three children A graduate of Kenyon College in Ohio with a BA in History, he received the Henry J. Dalton Fellowship in American Studies. Joe was a threeyear all NCAA Division III All- American in swimming, winning and setting an NCAA record in the 400 yard individual medley. When not helping clients, Joe is active in the parish of the Cathedral of St. John the Evangelist, where he serves on the Administrative Services

8 Our Process How We Work With You 8 When you work with the 411 Group at Morgan Stanley Smith Barney, you work with a team of professionals who are available any time to address any concern, answer any questions or explain how or why we re going to position your portfolio for various market conditions and specific objectives. You will have one primary relationship manager, but depending on your needs, you may work with one or more members of the team, each of whom have experience covering a wide variety of situations. For example, Larry is an equities specialist, Joe creates financial plans, oversees and manages investment strategies, and Tom focuses on fixed income, mutual funds, and long-term-care issues. As for our investment philosophy, we use a technical based approach, employing asset allocation and sector selection based on relative strength, combined with the fundamental research resources of Morgan Stanley Smith Barney. Rather than be constrained by a single investment orthodoxy, we seek to approach your portfolio from multiple perspectives, striving to balance risk and reward. Charles Darwin said that the fittest win out at the expense of their rivals because they succeed in adapting MORGAN STANLEY SMITH BARNEY themselves best to their environment. We believe that a dynamic and adaptable approach to managing your investments provides us with the best potential to help you meet your goals. When you come to us as a new client the first thing we do is create a financial plan based on your specific goals, whether it s saving for retirement, putting money away for your children s college education, or to one day buy that lake house you ve always wanted. We segregate your assets into different pools specifically assigned to each goal, and manage them accordingly. That way, your retirement, your children s education, and your vacation house investments will be guided by the specific goal rather than a broad and ambiguous strategy that may or may not be appropriate to the goal in mind. Be assured that whatever your goals, we take great pride in the personalized service we offer and strive to keep you as involved as you wish in the entire process. We believe that a disciplined and consistent process removes emotion from the equation and helps maximize the opportunity to meet your objectives. Our process is divided into four steps; figuring out what you want to accomplish, analyze your situation, create and implement a comprehensive plan, and then continue to monitor that plan, making any adjustments to make sure it stays on course toward your goals. STEP 1 - Getting to know you. Before we can make any recommendations, we first need to fully understand your needs, your concerns, what keeps you up at night, your risk tolerance, your time horizons, and your ultimate goals. Like any professional relationship, it all begins with a meeting, where we get to know you and you get to know us, as well as how we can work together. We ll explain our investment philosophy and if we can mutually agree that we re a good fit, we ll conduct an in-depth interview and collect essential personal and financial data. STEP 2 - Analyze your situation and financial data. Once we assess your situation, we ll provide an executive summary of our understanding of your goals and concerns and current situation followed by recommendations on follow-up steps or actions, prioritized chronologically based on our sense of the importance of addressing the issue involved. At this point, if you want to pursue a more formalized relationship, we ll develop

9 a comprehensive personalized financial plan with specific recommendations tied to your goals and objectives. STEP 3 - Prepare a personalized plan: Our plans are very adaptable to changes in the market as well as your life. They contain our investment recommendations and strategies. We then present a draft plan to you for review and, if needed, make appropriate changes. Once you agree on the plan, we ll present specific products or services to be used explaining each one so you have a thorough understanding of any investment we make on your behalf. STEP 4 - Review, adjust, adapt. Any plan, by its nature, is a snapshot in time. Recognizing this, we ll monitor your plan on an ongoing basis to help you stay on course toward your goals. We also adjust and adapt it to any new life events, changed situations, or revised goals as you move through your life.

10 Awards Named one of Milwaukee s best personal wealth managers, Joe Wilson has received the prestigious 5 Star Wealth Manager Award, which is sponsored in partnership with Milwaukee magazine, for the past three years in a row. 10 MORGAN STANLEY SMITH BARNEY

11 Morgan Stanley Smith Barney 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 Smith Barney 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.

12 Morgan Stanley Smith Barney LLC and its affiliates do not provide tax or legal advice. To the extent that this material or any attachment concerns tax matters, it is not intended to be used and cannot be used by a taxpayer for the purpose of avoiding penalties that may be imposed by law. Any such taxpayer should seek advice based on the taxpayer's particular circumstances from an independent tax advisor Morgan Stanley Smith Barney LLC. Member SIPC /2012

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

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

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 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

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 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

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 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

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

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

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 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

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

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

Success on Your Terms. How We Help You Achieve Your Financial Goals

Success on Your Terms. How We Help You Achieve Your Financial Goals Success on Your Terms How We Help You Achieve Your Financial Goals The Stone Group at Morgan Stanley One PPG Place, Suite 1300 Pittsburgh, PA 15222 Visit Our Team Website: www.morganstanleyfa.com/thestonegroup

More information

Matthew P. Herrick, CFA. Financial Advisor Providing Sound Financial Advice to Personal Injury Plaintiffs

Matthew P. Herrick, CFA. Financial Advisor Providing Sound Financial Advice to Personal Injury Plaintiffs Matthew P. Herrick, CFA Financial Advisor Providing Sound Financial Advice to Personal Injury Plaintiffs 2882 Sand Hill Road Suite 200, Menlo Park, CA 94025 650-234-5166 / MAIN 800-456-0914 / TOLL-FREE

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

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

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

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

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

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

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 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

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

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

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

Self-Directed Retirement Account. Expanding your retirement plan s investment options. smithbarney.com

Self-Directed Retirement Account. Expanding your retirement plan s investment options. smithbarney.com Self-Directed Retirement Account Expanding your retirement plan s investment options smithbarney.com When you give your employees access to a Self-Directed Retirement Account, you give them the ability

More information

Target Date Funds. [CODE] [Expiration Date]

Target Date Funds. [CODE] [Expiration Date] Target Date Funds Investments and services offered through Morgan Stanley Smith Barney LLC, and accounts carried by Morgan Stanley & Co. Incorporated; members SIPC. 2009 Morgan Stanley Smith Barney [CODE]

More information

Capabilities Presentation

Capabilities Presentation PRESENTED TO: Capabilities Presentation Scott J. Horowitz, CRPC, WMS Senior Vice President, Investments Wealth Management Specialist scott.horowitz@raymondjames.com Shelly E. DeLucas Senior Registered

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

PART OF WEBSITE MATERIALS FOR SMALL BUSINESS OWNERS

PART OF WEBSITE MATERIALS FOR SMALL BUSINESS OWNERS PART OF WEBSITE MATERIALS FOR SMALL BUSINESS OWNERS W2 HOME PAGE I HOME PAGE In recognition of the challenges that many American businesses and households face, Tim Webb and Jonah Weiss founded W2 Wealth

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

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 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

Wealth Management Built on Integrity and Experience

Wealth Management Built on Integrity and Experience Wealth Management Built on Integrity and Experience How Successful Portfolios Can Help You Prepared March 1, 2011 www.successfulportfolios.com 300 South Duncan Avenue, Suite 166 Clearwater, FL 33755 (800)

More information

Things to know about Dunncreek Advisors

Things to know about Dunncreek Advisors Saint Paul Minneapolis Waseca, Minn. Seneca, Ill. Things to know about Dunncreek Advisors I am a fee-only financial planning and investment management professional with 12 years experience. I function

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

We help you move from what you do to what you love. The Hoffmann Easom Lannan Retirement Planning Group at Morgan Stanley Smith Barney

We help you move from what you do to what you love. The Hoffmann Easom Lannan Retirement Planning Group at Morgan Stanley Smith Barney We help you move from what you do to what you love The Hoffmann Easom Lannan Retirement Planning Group at Morgan Stanley Smith Barney Ready. Set. Retire. R E T I R E M E N T 50 60 70 For years, you ve

More information

The journey to financial well-being starts with you.

The journey to financial well-being starts with you. TIAA-CREF Private Asset Management The journey to financial well-being starts with you. And the people you trust. What are your financial goals? What does financial well-being mean to you? What do you

More information

Consulting Group: An Introduction

Consulting Group: An Introduction 2 Disciplined Investment Process 3 Investment Advisory Programs 5 Global Resources, Local Perspective product consulting group Consulting Group: An Introduction summary The last several years have proven

More information

John P. Higginbotham. Senior Vice President Wealth Management Senior Investment Management Consultant Financial Planning Specialist

John P. Higginbotham. Senior Vice President Wealth Management Senior Investment Management Consultant Financial Planning Specialist John P. Higginbotham Senior Vice President Wealth Management Senior Investment Management Consultant Financial Planning Specialist My Mission To provide comprehensive financial services through prudent

More information

The Dubie Group at Morgan Stanley Smith Barney. The Services Available for Your Retirement Plan

The Dubie Group at Morgan Stanley Smith Barney. The Services Available for Your Retirement Plan The Dubie Group at Morgan Stanley Smith Barney The Services Available for Your Retirement Plan 5051 69 Swift Westheimer Street, 4th Road, Floor, Suite P.O. 2100 Box 1095 Houston, Burlington, TX VT 77056-5672

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

Investment Advice & Wealth Management WORRY FREE INVESTING

Investment Advice & Wealth Management WORRY FREE INVESTING Investment Advice & Wealth Management WORRY FREE INVESTING Venkata Vedam & Venkat Krishnamurthy Welcome to V2 Financial Group, LLC. We re here to help you manage your money, achieve your financial goals,

More information

Investing in high quality, well managed companies for your prosperity and peace of mind

Investing in high quality, well managed companies for your prosperity and peace of mind Investing in high quality, well managed companies for your prosperity and peace of mind Welcome to Maxwell Noll For over three decades, Maxwell Noll has provided peace of mind investing for clients. Our

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

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

The Paladin Group at Morgan Stanley. Advocates for the People, Causes and Goals You Cherish The Paladin Group at Morgan Stanley Advocates for the People, Causes and Goals You Cherish 3737 Glenwood Avenue, Ste. 320 Raleigh, North Carolina 27612 855-830-0665 / Toll-Free 919-785-7163 / main 919-882-1212

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

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

She received her BA from the College of Charleston and attended Hatfield College in Durham, England. Welcome, Alyssa.

She received her BA from the College of Charleston and attended Hatfield College in Durham, England. Welcome, Alyssa. Wi$e Up Teleconference Call April 28, 2006 Invest for Your Success Speaker 2 Alyssa Rakovich Angela Rizzolo: Okay. Our next Women s Bureau person to introduce our next speaker will be Frances Jefferson,

More information

SEP or SIMPLE. Making the Right Decision for Your Business

SEP or SIMPLE. Making the Right Decision for Your Business SEP or SIMPLE Making the Right Decision for Your Business SEP or SIMPLE Similarities Who may establish? Any Self-Employed Individual, Partnership, S Corporation, Corporation, Tax Exempt Organization or

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

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

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

Are Second to Die Life Insurance Policies Worthwhile Investments?

Are Second to Die Life Insurance Policies Worthwhile Investments? ? Ronald L Fishbein Managing Director Wealth Advisor Senior Investment Management Consultant 702 King Farm Blvd. Ste. 500 Rockville, MD 20850 Ronald.L.Fishbein@morganstanley.com Background A second to

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

UMA Model Portfolios Professional Advice for Your Unified Managed Account

UMA Model Portfolios Professional Advice for Your Unified Managed Account UMA Model Portfolios Professional Advice for Your Unified Managed Account B The introduction of unified managed accounts has helped many investors to consolidate and streamline their investment portfolios.

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

THE DURSO WEALTH MANAGEMENT GROUP S DISCRETIONARY PORTFOLIO MANAGEMENT INVESTMENT STRATEGIES

THE DURSO WEALTH MANAGEMENT GROUP S DISCRETIONARY PORTFOLIO MANAGEMENT INVESTMENT STRATEGIES Morgan Stanley 20 Linden Place Red Bank, NJ 07701 (732) 936-3400 THE DURSO WEALTH MANAGEMENT GROUP AT MORGAN STANLEY THE DURSO WEALTH MANAGEMENT GROUP S DISCRETIONARY PORTFOLIO MANAGEMENT INVESTMENT STRATEGIES

More information

Investing for your present and future financial

Investing for your present and future financial Advisor Select Investing for your present and future financial needs can seem overwhelming. It shouldn t be, and it doesn t have to be. Implementing a well-conceived investment strategy is vital to helping

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

Fiduciary Guidelines for Foundation & Endowment Trustees

Fiduciary Guidelines for Foundation & Endowment Trustees 1 Legal and Regulatory Oversight 3 Selecting and Monitoring Investment Managers 2 Developing a Spending Policy 2 Investment Policy Statements 3 Administration and Records online report consulting group

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. 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

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

Investing with Impact. Creating Financial, Social and Environmental Value

Investing with Impact. Creating Financial, Social and Environmental Value Investing with Impact Creating Financial, Social and Environmental Value A Increasingly, individuals and institutions want to invest in a manner that is consistent with specific beliefs and values. Morgan

More information

THE COMMONWEALTH CHOICE A Partnership That Benefits You

THE COMMONWEALTH CHOICE A Partnership That Benefits You THE COMMONWEALTH CHOICE A Partnership That Benefits You WALTHAM OFFICE 29 SAWYER ROAD WALTHAM, MA 02453-3483 TOLL-FREE: 866.462.3638 PHONE: 781.736.0700 MAIN FAX: 781.736.0793 SAN DIEGO OFFICE 110 WEST

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

An Easy and Low-Cost Retirement Plan For Your Small Business

An Easy and Low-Cost Retirement Plan For Your Small Business SEP-IRA SEP-IRAs can provide a substantial source of income at retirement by allowing employers to set aside money in retirement accounts for themselves and their eligible employees. An Easy and Low-Cost

More information

RBC Dominion Securities Inc.* and Royal Bank of Canada are separate corporate entities which are affiliated. *Member CIPF. Insurance products are

RBC Dominion Securities Inc.* and Royal Bank of Canada are separate corporate entities which are affiliated. *Member CIPF. Insurance products are RBC Dominion Securities Inc.* and Royal Bank of Canada are separate corporate entities which are affiliated. *Member CIPF. Insurance products are offered through RBC DS Financial Services Inc., a subsidiary

More information

what s inside Who we are 2 How discretionary investment management can work for you 3 Your customized investment portfolio 4 Regular client contact 5

what s inside Who we are 2 How discretionary investment management can work for you 3 Your customized investment portfolio 4 Regular client contact 5 Vancity Investment Management provides you with direct access to an experienced, dedicated Portfolio Manager who will actively monitor and professionally manage your account. Thank you for taking the time

More information

STRONG FOUNDATIONS, PROVEN GUIDANCE, PERSONAL SERVICE

STRONG FOUNDATIONS, PROVEN GUIDANCE, PERSONAL SERVICE STRONG FOUNDATIONS, PROVEN GUIDANCE, PERSONAL SERVICE For You and Your Family Since 1959, the Leveroni family has offered clients a caring environment where their interests come first. Leveroni Financial

More information

Independence and Integration

Independence and Integration Independence and Integration One of the many luxuries wealth affords a family is a certain level of independence. Independent families have the freedom to explore new business ventures, pursue educational

More information

The Services Available to Your 401(k) Plan

The Services Available to Your 401(k) Plan The Services Available to Your 401(k) Plan Spectrum Group at Graystone Consulting a business of Morgan Stanley Smith Barney LLC Transforming Complex Challenges into Practical Strategies By offering your

More information

WEALTH MANAGEMENT & ADVISORY SERVICES. Stability. Integrity. Expertise.

WEALTH MANAGEMENT & ADVISORY SERVICES. Stability. Integrity. Expertise. WEALTH MANAGEMENT & ADVISORY SERVICES Stability. Integrity. Expertise. A Proven Strategy for Investment Success Best-of-Class We are not restricted by offering proprietary products or holding an inventory

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

boston partners financial group llc

boston partners financial group llc boston partners financial group llc III 1 boston partners financial group llc about boston partners What sets us apart from other financial service firms is the support and collaboration of our associates

More information

72(t) Distributions A Guide to Taking 72(t) Distributions From Your IRA

72(t) Distributions A Guide to Taking 72(t) Distributions From Your IRA 72(t) Distributions A Guide to Taking 72(t) Distributions From Your IRA Millions of Americans have found Individual Retirement Accounts ( IRAs ) to be an attractive, tax-favored means of saving for retirement.

More information

Personal Wealth Management

Personal Wealth Management Personal Wealth Management Integrated Wealth Management Multi Generational Wealth Planning Retirement Plan Solutions Personalized Wealth Management AspenCross Financial Group (AFG) personal wealth management

More information

CHOOSING A FINANCIAL ADVISOR

CHOOSING A FINANCIAL ADVISOR CHOOSING A FINANCIAL ADVISOR Prepared By Winer Wealth Management, Inc. 21243 Ventura Blvd. Suite 207 Woodland Hills, CA 91364 (818) 673-1695 www.winerwealth.com Common Concerns Do any of these sound familiar?

More information

BUSINESS SUCCESSION: PLAN NOW FOR SUCCESS

BUSINESS SUCCESSION: PLAN NOW FOR SUCCESS BUSINESS SUCCESSION: PLAN NOW FOR SUCCESS 6 STEPS TO ACHIEVE YOUR VISION As a business owner, you ve invested time and effort to build a business that supports your family and many others, including employees,

More information

In your business, you plan for next month, next quarter, next year.

In your business, you plan for next month, next quarter, next year. In your business, you plan for next month, next quarter, next year. Have you planned for your company s survival? Business Succession & Executive Compensation Planning It s taken guts, savvy and sheer

More information

THE COMMONWEALTH CHOICE A Partnership That Benefits You

THE COMMONWEALTH CHOICE A Partnership That Benefits You THE COMMONWEALTH CHOICE A Partnership That Benefits You waltham office 29 sawyer road waltham, ma 02453-3483 toll-free: 866.462.3638 phone: 781.736.0700 main fax: 781.736.0793 san diego office 110 west

More information

How to Handle a Windfall

How to Handle a Windfall Rethinking your financial opportunities How to Handle a Windfall INVESTMENT AND INSURANCE PRODUCTS: NOT FDIC INSURED NOT A BANK DEPOSIT NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY NO BANK GUARANTEE MAY

More information

FOCUSED ON YOUR INVESTMENTS YOUR FUTURE YOU

FOCUSED ON YOUR INVESTMENTS YOUR FUTURE YOU FOCUSED ON YOUR INVESTMENTS YOUR FUTURE YOU Table of Contents Harrington Capital Management, LLC is a branch office of and Securities offered through WFG Investments, Inc., member FINRA & SIPC. Investment

More information

THE COMMONWEALTH CHOICE A Partnership That Benefits You

THE COMMONWEALTH CHOICE A Partnership That Benefits You THE COMMONWEALTH CHOICE A Partnership That Benefits You WALTHAM OFFICE 29 SAWYER ROAD WALTHAM, MA 02453-3483 TOLL-FREE: 866.462.3638 PHONE: 781.736.0700 MAIN FAX: 781.736.0793 SAN DIEGO OFFICE 110 WEST

More information

Discover TD Waterhouse. Investment and wealth management for every stage of your life

Discover TD Waterhouse. Investment and wealth management for every stage of your life Discover TD Waterhouse Investment and wealth management for every stage of your life Welcome to TD Waterhouse Everyone at TD Waterhouse* is committed to helping you reach your financial goals. Whether

More information

Cover Image: asbl Atomium / Artists Rights Society (ARS), New York / SABAM, Brussels

Cover Image: asbl Atomium / Artists Rights Society (ARS), New York / SABAM, Brussels Choice Select Welcome to Choice Select. As an individual who trades his or her own investment accounts, you re generally limited to two alternatives: You can trade online with a firm that offers little

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

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

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

Creating the future you want is clearer than you think. One-on-one financial planning

Creating the future you want is clearer than you think. One-on-one financial planning Creating the future you want is clearer than you think One-on-one financial planning A complementary fit Your financial needs, Our custom solutions Sound financial health. It takes in-depth analysis. It

More information

SEC Rule 10b5-1 Trading Plans. Executive Financial Services Solutions for Corporate Executives

SEC Rule 10b5-1 Trading Plans. Executive Financial Services Solutions for Corporate Executives SEC Rule 10b5-1 Trading Plans Executive Financial Services Solutions for Corporate Executives SEC Rule 10b5-1» Allows directors, officers, employees and others who may come into possession of material,

More information

Financial Advisor Interview Questionnaire

Financial Advisor Interview Questionnaire Financial Advisor Interview Questionnaire Advisor name: Company Name: Cyril S. White White House Financial & Investment Solutions, LLC Date: May 30, 2013 Why did you become a financial advisor? I became

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

What is an Investment Adviser?

What is an Investment Adviser? What is an Investment Adviser? Legal Definition. Investment adviser is a legal term that appears in the Investment Advisers Act of 1940, the federal law that governs investment advisers. Generally, this

More information

Our distinctive approach is based on our commitment to combining sound financial advice with exceptional service and a well-executed investment plan.

Our distinctive approach is based on our commitment to combining sound financial advice with exceptional service and a well-executed investment plan. Joggers on the Buffalo Bayou trail are treated to a dramatic view of Downtown Houston s distincive, stunning skyline. ith over 90 years of combined financial services experience, we established MDT Financial

More information

ROLLOVERS. Compliments of The Sawyer Group

ROLLOVERS. Compliments of The Sawyer Group 5 STEPS to 401( k) ROLLOVERS Compliments of The Sawyer Group Charles Sawyer, Jr. President, CEP, RFC The Sawyer Group Charles W. Sawyer Jr. is the president, managing partner and founder of The Sawyer

More information