One Point Wealth Management Group at Morgan Stanley
|
|
- Augustine Stevenson
- 8 years ago
- Views:
Transcription
1 2 SERVICES 4 PROCESS 6 INVESTMENTS One Point Wealth Management Group at Morgan Stanley
2 227 West Monroe Street Suite 3400, Chicago, Illinois / andrew griffo / alan GUERNSEY / andrew rothstein / kevin crain andrew.d.griffo@morganstanley.com alan.s.guernsey@morganstanley.com andrew.g.rothstein@morganstanley.com kevin.j.crain@morganstanley.com
3 FOCUSING ON YOUR TOMORROW, TODAY As your financial life gets more complex, traditional advisory services may no longer be sufficient. You benefit from working with advisors who know how to put your entire picture in the right perspective, and who understand that investments are only one important piece of your overall strategy. At One Point Wealth Management Group, our approach is to be the primary coordinator and connector for our clients most important wealth planning and life-event needs. Money management, retirement planning, estate planning, insurance, taxes, business succession planning we will bring together all of these elements into a cohesive and integrated financial plan that will help you enhance and preserve your wealth while enjoying the lifestyle it affords. Our goals are to both simplify your life, and increase the odds of your financial success.
4 WEALTH MANAGEMENT SERVICES Morgan Stanley s world-class resources mean that One Point Wealth Management Group can deliver personalized investment and wealth management services, along with executive management services, coupled with tailored in-depth financial advice. We utilize a wide range of professional services and resources targeted to the singular needs of senior executives and affluent investors. The depth of One Point s offerings allows us to serve as your single point of contact for all aspects of your financial profile. And with one team giving you across-the-board oversight, you will be assured of optimal efficiency and integration across all components of your financial plan. Investment management Portfolio construction and management Money manager due- Tax-efficient asset allocation diligence research Open platform Morgan Stanley proprietary investment opportunities Alternative investments Performance management Financial planning Goals-based planning Cash-flow planning Retirement planning Educational planning Consolidated financial picture (OneView ) Corporate and executive management services Directed shares, stock plans, 10b5-1 programs Capital markets and investment banking interaction ERISA 401(k) plan advisory Non-qualified deferred compensation Estate and legacy planning Wealth transfer and trust strategies Current will, trust and insurance review Trust services Charitable giving strategies Coordination with outside legal and tax advisors Risk management Hedging strategies Concentrated/restricted stock advice Interest rate risk management Insurance solutions Risk analysis (WealthBench) Lending and financing Access to banking and lending services Debt restructuring Securities-based lending Strategic consulting and transactions Succession planning Cash management services* 2 Morgan Stanley * The term cash management services does not imply that investments are managed by your Financial Advisor.
5 Executive Wealth Management Corporate executives face special challenges in managing corporate wealth. When equity is awarded to you as part of your overall compensation package, it needs to be managed in the context of your bigger financial picture, all while supporting your investment objectives and tying into a comprehensive wealth management strategy. As your dedicated advisory team, we will help you determine how your company stock can be used for liquidity, asset protection and wealth transfer. One Point Wealth Management Group 3
6 INVESTING WITH DISCIPLINE AND DILIGENCE 1 Discovery process We will start by learning all we can about you: What motivates you each day? What does your ideal retirement look like? Do you have any charitable goals? Answers to these questions and others will serve as the foundation for the plan we will develop together, because they allow us to customize your financial strategies to your specific objectives and requirements. Each family s situation, objectives and risk tolerance are unique. By taking the following steps, we will learn what matters most to you and your family then we can propose the strategies we believe will help you achieve your goals for your future and your legacy. 6 Ongoing assessment of wealth management needs By continually reviewing and adjusting your financial strategies in light of your changing needs, we seek to enable your long-term success. 4 Morgan Stanley
7 2 Financial analysis Next, we will evaluate key components of your financial profile, paying close attention to the areas that will be crucial to your ability to preserve and grow wealth, including your investments, insurance coverage and qualified retirement plan. We will also review your future intentions for gifting to descendants, titling of assets, charitable giving and other estate-related issues. 3 Creation of customized investment strategy In order to provide a comprehensive financial plan that effectively manages your wealth, we develop a customized and broadly diversified portfolio of investment products across multiple asset classes. This portfolio will incorporate your risk considerations, tax issues and time horizon while seeking to meet your individual lifestyle and estate planning goals. 4 Integration of tactical asset allocation 5 Investment strategy implementation Once we have determined an appropriate investment strategy and asset allocation model, we conduct comprehensive due diligence and analysis of projected performance outcomes for your portfolio across a range of market scenarios. Then, using Morgan Stanley s global investment platform, we create a portfolio that includes proven financial strategies and solutions developed by the world s most respected money managers. Within your portfolio, our recommended asset allocations are both strategic and tactical, establishing a long-term approach but including the flexibility to enable you to potentially take advantage of uncommon investment opportunities arising from temporary market circumstances. One Point Wealth Management Group 5
8 MANAGING YOUR INVESTMENTS Diversification does not guarantee a profit or protect against a loss. We believe your path to financial success begins with a consistent core investment strategy that emphasizes diversification. Because diversification has historically been a key component in generating steady portfolio returns over the long term, we will position you in a blend of traditional equity and fixed-income investments often supplemented by a conservative portfolio of alternative investments to help you avoid excessive exposure to any single area of the market. While all our clients maintain exposure to multiple asset classes, we will personalize your portfolio s weightings to reflect your unique time horizon, tolerance for risk, tax considerations and estate planning needs, among other factors. Through broad diversification and customized asset allocation, we have been successful in helping our clients reduce volatility within their portfolios. 1 Strategic asset allocation First, we coordinate with other professional advisors to integrate your trust, tax and estate planning needs with your financial holdings to create a comprehensive asset allocation model. 6 Morgan Stanley
9 2 Tactical asset allocation 3 Manager selection We choose from an open architecture of the world s leading money managers, each of which has been thoroughly evaluated and met our rigorous standards for performance and consistency. 4 Portfolio construction Your portfolio will include an array of managers whose diverse areas of specialization provide a balance of experience and perspectives. Your core asset allocation strategy will allow you to explore any unique and timely market opportunities that may benefit your portfolio s long-term performance. 5 Performance and risk monitoring We will continually analyze and review these manager selections to ensure their ongoing performance and maintenance of style criteria. ONE POINT wealth management GROUP 7
10 MEET THE PROFESSIONALS RECOGNITION AND AWARDS One Point Wealth Management Group has received significant recognition from national and local sources. We re proud of these independent awards not just for their own sake, but because we believe they show how committed we are to helping clients achieve their goals for their future. Andrew Griffo: Illinois Top 100 Financial Advisors Barron s Alan Guernsey: Five-Star Wealth Manager Chicago Andrew Rothstein: Five-Star Wealth Manager Chicago Top 1000 Financial Advisors Barron s Top Ranked Teams in America Research Top Ranked Teams in America Research Five-Star Wealth Manager Chicago Top 100 Brokers Barron s Top Ranked Teams in America Research Andrew D. Griffo Managing Director Wealth Management Sports and Entertainment Director Family Wealth Director Corporate Client Group Director Financial Advisor andrew.d.griffo@morganstanley.com Andrew entered the investment business in 1985 and has spent his entire investment career with Morgan Stanley and its predecessor firms. He was named Managing Director and has earned the titles of Senior Family Wealth Director, Corporate Client Group Director and Senior Institutional Consultant. He serves on several Morgan Stanley committees and councils. His outside business affiliations include the National Association of Stock Plan Professionals, the Investment Management Consultants Association and the Association of Professional Investment Consultants. Andrew is a graduate of Fairleigh Dickenson University with a B.S. degree in business and finance. He focuses on private wealth management, corporate and executive benefit solutions, and stock plan services. He has been recognized as one of the top advisors in Illinois by Barron s. His team has also been recognized as one of the country s top investment advisory teams by Research magazine. Andrew is a sports enthusiast and enjoys golf, tennis, and spending time with his wife and family. 8 Morgan Stanley
11 Alan S. Guernsey, CIMA Managing Director Wealth Management Family Wealth Director Corporate Client Group Director Senior Institutional Consultant Financial Advisor Andrew G. Rothstein, CFP First Vice President Wealth Management Senior Investment Management Consultant Professional Alliance Group Director Financial Advisor Kevin J. Crain Second Vice President Wealth Management Investment Management Specialist Financial Advisor Al joined Morgan Stanley and its predecessor firms in 1968 and has spent his entire career at the firm. He has received the Certified Investment Management Analyst SM professional designation from the Wharton School of the University of Pennsylvania. A member of the Investment Management Consultants Association and founding member of the Association of Professional Investment Consultants, Al has served on such Morgan Stanley committees as the 401(k) Advisory Committee and Director s Advisory Group. He has been working as an investment management consultant with individuals and ERISA plans since Al is a graduate of Alfred University, with a B.S. degree in ceramic engineering. He focuses primarily on ERISA plan consulting, wealth strategies and asset allocation strategies. From 2004 to 2006, he was named one of the country s top 100 brokers in Barron s annual survey. Andrew has been serving the financial needs of wealthy families for more than 20 years. Currently, he is a Senior Investment Management Consultant, with responsibility for his clients financial planning needs and asset allocation strategies, as well as manager research. He is actively involved in client relationship management and intergenerational wealth transfer. Before coming to the group in 1999, Andrew worked for Morgan Stanley s Consulting Group as a Senior Investment Analyst and Assistant Vice President. He joined the Consulting Group in 1994 to focus on portfolio performance measurement, portfolio optimization and asset manager research. Andrew began his career in 1992 at SEI Corporation on the international performance measurement team. Andrew received a B.S. in finance from Indiana University and an M.B.A. from DePaul University, where he also earned the Certified Financial Planner designation after completing the Financial Planning Certificate Program. He and his wife live with their four children in Park Ridge, where Andrew is actively involved in his children s sports and activities. Kevin entered the investment business in 1985 and has spent his entire career with Morgan Stanley and its predecessor firms. He focuses on the investment needs of individuals, closely-held businesses, nonprofit and public organizations. Currently, he is an Investment Management Specialist who specializes in high net worth clients, as well as public and corporate retirement plans. Kevin Graduated from the University of Illinois at Urbana-Champaign with a B.S. degree in economics. Since 1996, Kevin has been a member of the Illinois Public Pension Fund Association as well as the Illinois Professional Firefighters Association. Kevin was also a trustee with the Westmont Police Fund for over five years. He lives in Lisle with his wife and two children. ONE POINT wealth management GROUP 9
12 10 Morgan Stanley
13 ONE SOURCE FOR A WORLD OF INVESTMENT PRODUCTS One Point Wealth Management Group s experience and dedication are backed by the vast global resources of Morgan Stanley, one of the world s largest financial institutions, with more than $2 trillion in assets under management. Over the past 75 years, Morgan Stanley has supported its clients with firsthand knowledge of world markets through its presence at the center of the global economy. The firm expanded its institutional-level capabilities to successful individuals and their families three decades ago, since earning the trust of generations of sophisticated clients. The powerful combination of One Point s outstanding personal service and Morgan Stanley s industry-leading money managers and financial resources gives you a premier advisory experience, with the specialized services and solutions needed to meet your complex requirements. ONE POINT wealth management GROUP 11
14 Left to right: Brendan Guernsey, Kara Tichawa, Drew Tichawa, Susan Roach, Andrew Griffo, Alan Guernsey, Andrew Rothstein, Angela Jackson, Teresa Sulo LEADING YOUR FINANCIAL RELATIONSHIPS The right financial plan considers all of your financial needs. Whether your goal is to build wealth, achieve financial independence, diversify a concentrated stock position, or pass along assets to future generations of loved ones, we can help you coordinate all of your financial relationships to ensure a consistent approach to your wealth. At One Point Wealth Management Group, we can help you identify both your greatest opportunities and challenges, and develop a unified plan to maximize your potential. We are always available to discuss your financial situation and look forward to hearing from you. Sincerely, Andrew D. Griffo Andrew G. Rothstein Alan S. Guernsey Kevin J. Crain 12 Morgan Stanley
15
16 Source: Barron s Top 1,000 Advisors, February 18, 2013, as identified by Barron s magazine, using quantitative and qualitative criteria and selected from a pool of over 4,000 nominations. Advisors in the Top 1,000 Financial Advisors have a minimum of seven years of financial services experience. Qualitative factors include, but are not limited to, compliance record, interviews with senior management, and philanthropic work. Investment performance is not a criterion. The rating may not be representative of any one client s experience and is not indicative of the financial advisor s future performance. Neither Morgan Stanley Smith Barney LLC nor its Financial Advisors or Private Wealth Advisors pays a fee to Barron s in exchange for the rating. Barron s is a registered trademark of Dow Jones & Company, L.P. All rights reserved. The Five Star Wealth Manager Award ( the Award ) is based on required eligibility criteria including, but not limited to: Active employment in the financial services industry for a minimum of five years and registrations as an investment adviser representative (or other accepted credentials), favorable regulatory/complaint history reviewed defined by Five Star as not having (1) been subject to a regulatory action that resulted in a license being suspended or revoked, or payment of a fine, (2) had more than a total of three customer complaints filed against them (settled or pending) with any regulatory authority or Five Star Professional s consumer complaint process, (3) individually contributed to a financial settlement of a customer complaint filed with a regulatory authority, (4) filed for bankruptcy, or (5) been convicted of a felony, fulfilled internal employer standards, and acceptance of new clients. The following evaluation criteria are also considered: 1-year and 5-year retention rate, administration of non-discretionary client assets, number of households serviced, and designations (e.g., professional, educational). The Award does not evaluate the quality of services furnished to clients and it is possible that the recipient may have received unfavorable ratings from those surveyed. Neither Morgan Stanley nor its Financial Advisors compensated any person or entity to be considered for the Award and the Award is not indicative of the Financial Adviser s future performance. Five Star Professional collected the information for this Award through surveys it conducted. Source: Barron s Top 100 Financial Advisors, April 15, Barron s Top 100 Financial Advisors bases its ratings on qualitative criteria: professionals with a minimum of seven years of financial services experience, acceptable compliance records, client retention reports, customer satisfaction and more. Financial Advisors are quantitatively rated based on varying types of revenues and assets advised by the financial professional, with weightings associated for each. Because individual client portfolio performance varies and is typically unaudited, this rating focuses on customer satisfaction and quality of advice. The rating may not be representative of any one client s experience because it reflects a sample of all of the experiences of the Financial Advisor s clients. The rating is not indicative of the Financial Advisor s future performance. Neither Morgan Stanley Smith Barney LLC nor its Financial Advisors or Private Wealth Advisors pays a fee to Barron s in exchange for the rating. Barron s is a registered trademark of Dow Jones & Company, L.P. All rights reserved. Securities-based Lending Risks: Borrowing against securities may not be suitable for everyone. You should be aware that securities-based loans involve a high degree of risk and that market conditions can magnify any potential for loss. Most importantly, you need to understand that: (1) Sufficient collateral must be maintained to support your loan(s) and to take future advances; (2) You may have to deposit additional cash or eligible securities on short notice; (3) Some or all of your securities may be sold without prior notice in order to maintain account equity at required collateral maintenance levels. You will not be entitled to choose the securities that will be sold. These actions may interrupt your long-term investment strategy and may result in adverse tax consequences or in additional fees being assessed; (4) Morgan Stanley Bank, N.A., Morgan Stanley Private Bank, National Association, or Morgan Stanley Smith Barney LLC (collectively referred to as Morgan Stanley ) reserves the right not to fund any advance request due to insufficient collateral or for any other reason except for any portion of a securitiesbased loan that is identified as a committed facility; (5) Morgan Stanley reserves the right to increase your collateral maintenance requirements at any time without notice; and (6) Morgan Stanley reserves the right to call your securities-based loan at any time and for any reason. Morgan Stanley Smith Barney LLC ( Morgan Stanley ) is a registered Broker/ Dealer, member SIPC, not a bank. Where appropriate, Morgan Stanley has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services. Unless specifically disclosed 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, a bank and involve investment risks, including possible loss of principal amount invested. Tailored Lending is provided by Morgan Stanley Private Bank, National Association, an affiliate of Morgan Stanley Smith Barney LLC. All credit facilities are subject to the underwriting standards and independent approval of Morgan Stanley Private Bank, National Association and other restrictions also may apply, depending upon the type of collateral securing the transaction. Please contact your Financial Advisor, Private Banker, or Lending Advisor for more details Tailored Lending may not be available in all locations, and may not be appropriate for all clients. Rates, terms and programs are subject to change without notice. The contents of this document should not be construed as a commitment to lend. Morgan Stanley Private Bank, National Association is an Equal Housing Lender and member FDIC that is primarily regulated by the Office of the Comptroller of the Currency. The proceeds of a Tailored Lending loan/line of credit may not be used to purchase, trade or carry margin stock, or to repay debt that was used to purchase, trade or carry margin stock and cannot be deposited into a Morgan Stanley Smith Barney LLC or other brokerage account. Morgan Stanley Smith Barney LLC ( Morgan Stanley ) is a registered Broker/Dealer, member SIPC, not a bank. Where appropriate, Morgan Stanley has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services. Unless specifically disclosed 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, a bank and involve investment risks, including possible loss of principal amount invested. Morgan Stanley Smith Barney LLC offers insurance products in conjunction with its licensed insurance agency affiliates. Morgan Stanley Smith Barney LLC ( Morgan Stanley ), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. This material was not intended or written to be used, and it cannot 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. Trust and other fiduciary services are provided by third parties, including Morgan Stanley Private Bank National Association, a wholly-owned subsidiary of Morgan Stanley. An investment in alternative investments can be highly illiquid, is speculative and not suitable for all investors. Investing in alternative investments is only intended for experienced and sophisticated investors who are willing to bear the high economic risks associated with such an investment. Investors should carefully review and consider potential risks before investing. Some of these risks may include: loss of all or a substantial portion of the investment due to leveraging, shortselling, or other speculative practices; lack of liquidity in that there may be no secondary market for the fund and none is expected to develop; volatility of returns; restrictions on transferring interests; potential lack of diversification and resulting higher risk due to concentration of trading authority when a single advisor is utilized; absence of information regarding valuations and pricing; complex tax structures and delays in tax reporting; less regulation and higher fees than mutual funds; and manager risk. Individual funds will have specific risks related to their investment programs that will vary from fund to fund. Actual results may vary and past performance is no guarantee of future results Morgan Stanley Smith Barney LLC. Member SIPC /15
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 informationAbove~ 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 informationFinancial 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 informationGlobal 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 informationFinancing 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 informationGlobal Stock Plan Services. Maximize your return on equity plans
Global Stock Plan Services Maximize your return on equity plans Corporate equity plans may represent a significant investment in your employees and in your company. But getting them right in an increasingly
More informationSteven 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 informationThe 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 informationMorgan 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 informationKBB 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 informationBusiness 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 informationG. 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 informationSteven 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 informationWhat 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 informationThe 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 informationDiversified Managed Allocations
Diversified Managed Allocations Multi-strategy portfolios with a focus on flexibility Is this program right for you? DMA is designed for investors who: Want experienced, professional money managers to
More informationThe 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 informationThe 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 informationThe 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 informationTrust 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 informationWe 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 informationThe 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 informationPRIVATE WEALTH MANAGEMENT
PRIVATE WEALTH MANAGEMENT TEAM GLOBAL JANUARY, 2015 Putting Clients First Doing the Right Thing Leading with Exception al Ideas Giving Back AGENDA OVERVIEW DISCRETIONARY PORTFOLIOS CONSULTING AND ADVISORY
More informationThe 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 informationYour 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 informationTHE 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 informationNicole 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 informationControl & 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 informationPlan 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 informationAsset Management Portfolio Solutions Disciplined Process. Customized Approach. Risk-Based Strategies.
INSTITUTIONAL TRUST & CUSTODY Asset Management Portfolio Solutions Disciplined Process. Customized Approach. Risk-Based Strategies. As one of the fastest growing investment managers in the nation, U.S.
More informationThe 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 informationThe 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 informationThe 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 informationTHE APOLLO GROUP AT MORGAN STANLEY PRIVATE WEALTH MANAGEMENT
THE APOLLO GROUP AT MORGAN STANLEY PRIVATE WEALTH MANAGEMENT 1290 Avenue of the Americas New York, NY 10104 Phone: (212) 492-6335 2015 Morgan Stanley Smith Barney LLC. Member SIPC. Morgan Stanley Private
More informationThe 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 informationHow 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 informationJason 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 informationConsulting 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 informationFinding 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 informationA guide to margin borrowing
A guide to margin borrowing Before you borrow on margin, it is important to review your financial situation, investment objectives, risk tolerance, time horizon, diversification needs, and liquidity objectives
More informationMegan 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 informationUMA 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 informationFerguson & 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 informationHow To Plan For Your Future
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 informationUnified Managed Accounts An Investor s Guide
Briefing Unified managed accounts provide a consolidated approach to asset allocation, investment selection, account administration and performance reporting. Unified Managed Accounts An Investor s Guide
More informationPrivate Asset Management
TIAA-CREF Trust Company, FSB Private Asset Management Customized investment solutions to meet your unique needs over time About TIAA-CREF Trust Company s Private Asset Management TIAA-CREF Trust Company
More informationThe 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 informationThe 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 informationHow To Work For Morganstanley.Com
The RGL Group at Morgan Stanley: Working With You 2013 From Left to Right: Robert M. Ryan: Senior Vice President Seth Albeck: Registered Associate, Lissa Stuart: Senior Registered Associate, Adrian J.
More informationForm ADV Part 2A Brochure March 30, 2015
Item 1 Cover Page Form ADV Part 2A Brochure March 30, 2015 OneAmerica Securities, Inc. 433 North Capital Avenue Indianapolis, Indiana, 46204 Telephone: 877-285-3863, option 6# Website: www.oneamerica.com
More informationADVISORY 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 informationThe 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 informationThe 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 informationBruce 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 informationForm 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 informationWealth and Taxes: Planning for 2015
november 2014 Wealth and Taxes: Planning for 2015 2014 YEAR-END TAX PLANNING GUIDE Table of Contents Over the past few years, the traditional year-end tax planning season has been fraught with uncertainties
More informationInvestment advisory and brokerage services
Investment advisory and brokerage services A guide to what you should know before investing with us Differences in our services Wells Fargo Advisors can offer brokerage and investment-advisory account
More informationThe 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 informationPriority Credit Line. Meet today s financing needs while preparing for the future
Priority Credit Line Meet today s financing needs while preparing for the future Access cash without selling assets As a savvy investor, you know that managing both sides of your balance sheet is an important
More informationFinancial Planning Investment Management Personal Trust Private Banking Insurance Services
Financial Planning Investment Management Personal Trust Private Banking Insurance Services What s the real bottom line? Our Mission To enrich the lives of our clients by honoring their unique goals For
More informationPART 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 informationCORBELLINI, EMANUELSON, KALYANDURG & ASSOCIATES. Private Wealth Advisors
CORBELLINI, EMANUELSON, KALYANDURG & ASSOCIATES s Corbellini, Emanuelson, Kalyandurg & Associates PRIVATE WEALTH ADVISORS 300 Crescent Court Suite 1300 Dallas, TX 75201 800.477.1264 www.pwa.ml.com/ce_group
More informationFiduciary Asset Management. A Discretionary Investment Management Solution
Fiduciary Asset Management A Discretionary Investment Management Solution 01 / MORGAN STANLEY The Fiduciary Asset Management program is designed to provide a customized, discretionary solution to help
More informationBlakeway & 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 informationThe 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 informationJ.H. ELLWOOD & ASSOCIATES, INC. 33 West Monroe, Suite 1850 Chicago, IL 60603 (312) 782-5432 www.ellwoodassociates.com.
J.H. ELLWOOD & ASSOCIATES, INC. 33 West Monroe, Suite 1850 Chicago, IL 60603 (312) 782-5432 www.ellwoodassociates.com March 31, 2015 This brochure provides information about the qualifications and business
More informationWEALTH 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 informationThe 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 informationThe 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 informationFiduciary 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 informationUsing 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 informationTHE 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 informationCustomized lending to complement your overall financial strategy
Customized lending to complement your overall financial strategy Merrill Lynch Wealth Management makes available products and services offered by Merrill Lynch, Pierce, Fenner & Smith Incorporated, a registered
More informationFinancial 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 informationCreating 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 informationMORGAN STANLEY Financial Supplement - 4Q 2015 Table of Contents
Page # MORGAN STANLEY Financial Supplement - 4Q 2015 Table of Contents 1. Quarterly Consolidated Financial Summary 2. Quarterly Consolidated Income Statement Information 3. Quarterly Consolidated Financial
More informationProviding the requisite expertise and resources to manage the complexities of significant wealth.
exploring WEALTH MANAGEMENT SOLUTIONS Providing the requisite expertise and resources to manage the complexities of significant wealth. [ exploring WEALTH MANAGEMENT SOLUTIONS we provide IMPECCABLE SUPPORT
More informationTHE 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 informationLabiak, 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 informationA wealth management firm centered on our clients individual needs.
A wealth management firm centered on our clients individual needs. Why Eagle Strategies and why an Eagle Strategies Advisor? Our tools may be similar, but our attitude is different. Eagle Strategies was
More informationPrincipal High Yield I Portfolio
Profile Principal High Yield I Portfolio Sub-advised by J.P. Morgan Asset Management and Neuberger Berman J.P. Morgan Asset Management is one of the largest and most comprehensive investment management
More informationPeace of mind your employees can take to the bank
Peace of mind your employees can take to the bank Retirement Bank Account Retirement & Benefit Plan Services Thinking about making some investment changes to your retirement plan? A retirement choice your
More informationWealth Management Solutions
Wealth Management Solutions Helping You Grow Your High-Net-Worth Business Your Business Without Limits TM The Wealth Management Opportunity As the level of wealth continues to grow among high-net-worth
More informationFinancial 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 informationDennis Matthew Breier d/b/a Fairwater Wealth Management
Item 1 Cover Page Dennis Matthew Breier d/b/a Fairwater Wealth Management Registered Investment Adviser 16W455 S. Frontage Road, Suite 311 Burr Ridge, Illinois 60527 (630) 282-6520 phone (630) 282-6520
More informationWealth Management Solutions
Wealth Management Solutions Delray Financial Group LLC is an independent regional boutique wealth management firm whose sole business is to serve its clients. With over 25 years of personalized, professional
More informationJarus Wealth Advisors LLC
Jarus Wealth Advisors LLC Firm Brochure - Form ADV Part 2A This brochure provides information about the qualifications and business practices of Jarus Wealth Advisors LLC. If you have any questions about
More informationWells Fargo/BlackRock Short Term Investment Fund COLLECTIVE FUND DISCLOSURE
Wells Fargo/BlackRock Short Term Investment Fund COLLECTIVE FUND DISCLOSURE Wells Fargo/BlackRock Short Term Investment Fund This disclosure summarizes information about the Short Term Investment Fund
More informationSection 1042: A tax deferred sale to an ESOP
Section 1042: A tax deferred sale to an ESOP Nick J. Francia Christopher T. Horner Thomas Roback, CEP, QKA UBS Financial Services Dickinson Wright Blue Ridge ESOP Associates The Capital ESOP Group Attorney
More informationprivate client managed portfolios
private client managed portfolios Simplify, preserve and enhance. Your wealth is the cumulative result of your hard work, discipline, and astute management. Yet the opportunities it affords may also come
More informationRockhaven Capital Management, LLC 132 Rock Haven Lane Pittsburgh, PA 15228 412-260- 7917 www.rockhavencapital.com 09/30/12
Item 1 Cover Page Rockhaven Capital Management, LLC 132 Rock Haven Lane Pittsburgh, PA 15228 412-260- 7917 www.rockhavencapital.com 09/30/12 This Brochure provides information about the qualifications
More informationAbout David B. Root, Jr.
About David B. Root, Jr. David B. Root, Jr., CFP, AIF Chief Executive Officer D.B. Root & Company, Inc. A financial professional for 30 years, David Root heads a team of independent advisors who combine
More informationGeneral Overview of Lending Capabilities
Anthony R. D Ascoli, CIMA, CRPC UBS Financial Services Inc. Senior Vice President Investments D'Ascoli Financial Group Portfolio Manager 750 Washington Blvd, 11 th Fl anthony.dascoli@ubs.com Stamford,
More informationSpecialized Content for Investment Advisors Marketing Tools
Specialized Content for Investment Advisors Marketing Tools Table of Contents INTRODUCTION... 2 OUR APPROACH... 2 What we will do for you: Understand, Plan, Act and Monitor... 3 THE NATIONAL BANK FINANCIAL
More informationPart 2A Brochure. Investus Financial Planning, Inc. 1765 Santa Ana Ave, U-202 Costa Mesa, CA 92627 949-645-1403
Part 2A Brochure Investus Financial Planning, Inc. 1765 Santa Ana Ave, U-202 Costa Mesa, CA 92627 949-645-1403 This brochure provides information about the qualifications and business practices of Investus
More informationCOMPREHENSIVE WEALTH MANAGEMENT
PRIVATE CLIENT TM COMPREHENSIVE WEALTH MANAGEMENT ASSANTE A OUR GOAL is to simplify and enhance the lives of our clients by serving as their financial advisor managing their assets and lifestyle needs
More informationInvestment 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 informationDeveloping Strategies for corporate executives
Wealth Management Developing Strategies for corporate executives Raymond James financial advisors can address the unique planning needs of corporate executives. You work hard looking out for your company
More informationStrength You Can Trust
Strength You Can Trust RBC Wealth Management It All Starts With You Our relationship managers are focused on serving your best interests, and we aim to develop highly effective and customised solutions
More informationi-cthru Inc. Form ADV Part 2A Client Brochure
i-cthru Inc. Tamarind Hill Road 33 Upper Prince s Quarter Saint Maarten, Dutch Caribbean Mailing address 1562 First Ave # 205-2863 New York, NY 10028-4004 USA http://www.i-cthru.com Form ADV Part 2A Client
More information