The Welsh/Friesen Group at Morgan Stanley

Transcription

1 The Welsh/Friesen Group at Morgan Stanley

2 13625 California St Suite 400, Omaha, NE / MAIN / TOLL-FREE / FAX morganstanleyfa.com/thewelshgroup/

3 The Welsh/Friesen Group at Morgan Stanley We Believe... - That clear and consistent communication is paramount. - That our word is our bond. - In transparency. - Investments should not be driven by emotion. - That CNBC and other media outlets are not acting in your interest. - In managing debt as well as equity. - That diversification is critical to reducing risk. - In making our resources work for you. - The #1 priority is family. THE WELSH/FRIESEN GROUP 3

4 Meet the Professionals Left to Right: Kevin Welsh, Dawn Bonacci, Patrick Friesen 4 MORGAN STANLEY

5 Kevin Welsh Wealth Advisor Senior Vice President Patrick Friesen, CFP Financial Advisor Kevin Welsh is a Senior Vice President and Wealth Advisor specializing in wealth planning and investment strategies at Morgan Stanley. Kevin developed an interest in finance at the University of Nebraska at Omaha, where he received a Bachelor s Degree in Business Administration. In 1999, Kevin joined Morgan Stanley and began using his passion for finance to help individuals, corporations and nonprofits develop strategies to manage wealth. With fifteen years of experience at Morgan Stanley, Kevin understands what it takes to develop individually tailored strategies geared toward an ever-changing investment landscape. He is attentive to his clients needs, and he uses their goals and desires as a starting point for portfolio development. Committed to the firm s excellence, he has been a club member 2009 until present and has served on the firm s Advisory Council. Growing up on a farm, Kevin learned firsthand that hard work, creativity and resolve are necessary components of success, and he brings that philosophy to Morgan Stanley. Kevin prides himself on his sense of dedication he never quits fighting for his clients. Kevin is a community activist and is involved in several local organizations, including the I-80 Cosmopolitan Club and the Suburban Rotary of Omaha. In his free time, Kevin enjoys spending time with his wife and three children and participating in triathlons. Patrick Friesen is a Financial Advisor and CERTIFIED FINAN- CIAL PLANNER specializing in financial planning and strategic wealth management at Morgan Stanley. Patrick received a degree in Business Administration with a concentration in finance from Chadron State College. He joined Morgan Stanley in 2005 and served as an Operations/Service Manager until 2009 when he joined The Welsh Group. Patrick s time as a manager has given him a unique perspective on the planning process and allows him to offer a broad array of financial advising services to clients. His responsibilities include developing and maintaining comprehensive financial plans utilizing investments, insurance and lending. As a CERTIFIED FINANCIAL PLAN- NER, Patrick holds himself to the highest ethical standards regarding his clients investments. Patrick grew up on a farm near Henderson, Nebraska. There he learned about hard work and perseverance, traits that he brings to his work at Morgan Stanley. THE WELSH/FRIESEN GROUP 5

6 Married with three children, Patrick enjoys working out, golfing and reading in his spare time. Patrick also currently serves on the board of the Chadron State Foundation. Dawn Bonacci Senior Registered Client Service Associate Dawn Bonacci is a Senior Registered Client Service Associate. She is the liaison between clients and Financial Advisors, and helps manage all day-to-day business and investment needs for The Welsh Friesen Group. Dawn received her degree from Northwest Missouri State University and she joined Morgan Stanley as a Client Service Associate in With twenty years of experience in the industry, Dawn s deep knowledge and keen understanding of financial services greatly benefits both clients and the team. In her free time, Dawn enjoys reading, bowling and gardening. She also loves spending time with her husband and two boys.

7

8 Who We Are Your investments should not be driven by emotion, left to chance or exposed to undue risk. At The Welsh Friesen Group, we don t act on hunches or invest in the flavor of the month. The investment decisions we make for you will be based on a thoughtfully devised process and strategy. We will work with you to define your goals and construct a portfolio that aims to reach them. We specialize in personalized wealth management for high net worth business owners and corporate executives. These clients often face financial issues others do not regarding tax liabilities, debt, stock restrictions and deferred compensation. With that in mind, the first step in our process is to get a comprehensive understanding of our clients finances. One thing we look for is the right balance between investments and loans, especially for business owners. Then, relying on our more than twenty years of combined experience in the industry, we create a strategic financial plan tailored to the goals of each of our clients, always being mindful of time frame and risk tolerance. At The Welsh Friesen Group, we seek to deliver consistent returns with our client s needs and objectives in mind. We believe in managing debt as well as equity. Our focus with every client is to have a complete understanding of their finances before creating a personalized strategic wealth management plan. We are methodical during each stage of this process, and we constantly evaluate your portfolio against the intended outcome. At The Welsh Friesen Group we have one goal: to help our clients reach theirs. 8 MORGAN STANLEY

9

10 Our Wealth Management Process Whatever your financial goals whether to grow your wealth, preserve it, or pass it on to others we have developed and refined a comprehensive process to help assess, strategize, implement and continually evaluate your investment strategy. 1.) Discovery Help you assess your current financial situation Discuss your financial goals, hopes and dreams Talk about goals for your family and your lasting legacy Aid in defining your investment time frame and level of risk 2.) Strategy Formulation Create a customized investment strategy based on your specific needs and risk tolerance Provide portfolio design, goal-oriented asset allocation and positioning of assets to build an income stream you can t outlive Write step-by-step financial plans, education plans and charitable giving plans Use the financial planning process to assess your retirement needs, college savings, charitable giving, etc. Advise on company-sponsored plans: 401(k), stock options/grants, deferred compensation Study cash flow and liability requirements Develop strategies to help minimize tax liabilities 3.) Implementation Provide a step-by-step investment implementation plan Integrate your equity compensation and other employer benefits into your investment strategy Offer consultation with your attorneys and tax advisors to ensure a unified plan moving forward 4.) Monitor and Review Continually assess investment allocation to determine if adjustments are needed Conduct formal reviews throughout the year to monitor your progress Adapt strategies based on the changing tax and regulatory environments Adjust for life events and market cycles 10 MORGAN STANLEY

11

12 We Believe We believe that clear and consistent communication is paramount. The financial industry makes it hard to know what s happening with your money. We make it easy by keeping you well-informed about your portfolio, our choices, and the rationale behind those choices. We believe that our word is our bond. Our roots are from deep in the heartland where a handshake still means something. We built our reputations by keeping our promises. We value our clients trust in us, and we earn it every day. We believe in transparency. We want you to know what we re doing and why we re doing it. We believe investments should not be driven by emotion. Individuals tend to buy at the apex of euphoria and sell at the pinnacle of pain. We have the knowledge and experience to help you weather changing and sometimes volatile markets. We believe that CNBC and other media outlets are not acting in your interest, but in their own. Their goals are ratings and revenue for their parent companies; their daily drama serves only to cause investors needless consternation. We will create a long-term plan for your financial success that s proactive and not reactive. We believe in managing debt as well as equity. While working with business owners it is imperative to understand their debt. To understand the why and the what, as well as the structure, rate and duration of the loans. We believe that diversification is critical to reducing risk. Although everyone knows this, we see this rule broken every day. Investors become comfortable with too much money tied up in too few investments. Wealth can be created through concentration, but it is protected through diversification. We believe in making our resources work for you. As Morgan Stanley financial advisors, we have access to some of the best research, analysis, investment choices and trading platforms in the industry. With all this at our fingertips, we strive to design the best vehicles for your capital preservation and income growth. We believe the #1 priority is family. Our mission is to create a personalized financial plan that provides the financial security you need to enjoy the most important things in your life. Today, and in the years to come. 12 MORGAN STANLEY

13

14 Our 7 Service Offerings We offer multiple services designed to develop a complete wealth management plan. We use a thorough process aimed at understanding and illuminating all of your financial needs and objectives. 1. Investments a. Asset allocation b. Investment types c. Rebalancing d. Creation of a retirement income spreadsheet 2. Insurance a. Life insurance b. Disability insurance c. Long-term care/healthcare insurance d. Liability insurance 3. Liability a. Home mortgage b. Home equity line of credit c. Portfolio loan account/margin loan 4. Qualified Retirement Plan/IRA a. Company-sponsored retirement/pensions b. 401(k)/403(b)/457 c. Deferred compensation d. IRA rollovers/distributions 5. Stock Option Strategy 6. Business Succession Plans 7. Estate Planning a. Durable power of attorneys/wills/trusts b. Gifting to children/descendant plans c. Charitable gifting plan d. Title of asset e. Executor/trustee strategies 14 MORGAN STANLEY

15

16 $1.7 Trillion CLIENT ASSETS 6,800,000 CLIENT ACCOUNTS 16,934 FINANCIAL ADVISORS 800 GLOBAL LOCATIONS CEO AND SENIOR MANAGEMENT TEAM WITH DEEP WEALTH MANAGEMENT EXPERIENCE 76+YEARS OF EXPERIENCE A Strong, Steady Force in a Changing Industry Information as of 06/30/2012 unless otherwise indicated

17 A COMMITMENT to EXCELLENCE OVER THE YEARS, YOU HAVE MADE MANY FINANCIAL DECISIONS. ONE IN PARTICULAR IS LIKELY TO HAVE A LASTING IMPACT ON YOUR WELL BEING AND THAT OF YOUR FAMILY: THE CHOICE OF A FINANCIAL ADVISOR. Investors who choose Morgan Stanley often tell us that their reasoning is simple. They choose a Financial Advisor and a firm that mirrors the values propelling their own success: a commitment to perform at the highest level for their clients, with no shortcuts, compromises or excuses. A PROFOUND UNDER STANDING OF WEALTH MANAGEMENT NEEDS Charitable Pursuits Retirement VAST EXPERIENCE. Drawing on many years of experience, Morgan Stanley understands the importance of shaping relationships that reflect client needs, preferences and aspirations. Our firm and Financial Advisors have an in-depth understanding of virtually all the challenges, goals, preferences, styles and strategies that distinguish wealthy investors. Additionally, as a truly global financial institution, we have an equally acute knowledge of financial opportunities and the potential risks. This combination positions us to help develop, structure and execute strategies for your most important financial needs, from accumulating wealth to investing for income, from creating retirement reserves to devising a distribution approach that meets your lifestyle and legacy goals. INVESTMENT INSIGHT WITHOUT LIMITS. As a client, you have access to the strategic and tactical views of some of the world s most seasoned and respected investment professionals. The members of our Global Investment Committee develop strategies that guide the management of advisory accounts and help to inform the decisions of clients across Morgan Stanley. The team is currently supported by the work of research analysts at two of the world s largest investment banks, Morgan Stanley and Citi, who coverkeygeographicandeconomic sectors, as well as 4,100 companies. You also benefit from a premier trading and execution platform. Think of our 210 capital markets professionals as experienced, highly responsive and knowledgeable partners. PERFORMANCE THAT SEEKS TO MEET YOUR MEASURE. Among the most importantskillsofourfinancialadvisors is the ability to listen: to understand your financial needs and then align the resources to help meet them. Your Financial Advisor can help you evaluate immediate concerns and plan for long-term goals, be a sounding board for your investment ideas, and assist you in developing and executing a strategy that is precisely your own and help deliver results that meet your needs. Your Financial Advisor is your advocate within our firm, an intelligent editor who selects and aligns the many capabilities of Morgan Stanley for you, delivering the right resources to you in the way that is most appropriate for how you invest and what you want to achieve. ONE OF THE WORLD S STRONGEST INVEST MENT ORGANIZATIONS STANDS BEHIND YOUR FINANCIAL ADVISOR Financial Advisors have 4,100 companies all over Please read important disclosures on the back cover of this brochure 10/2012 CRC562873

18 Let s Get Started We want to know your goals for yourself and your family, now and for the future. Whether you are accumulating wealth or investing for income, planning for your retirement or for your legacy, our unique management process will help us design and implement the right plan for your needs. The Welsh Friesen Group will help in an ever-evolving financial world. We plan for the long haul, and we don t fall prey to news-cycle alarms and prognostications. We have the knowledge, experience and integrity to offer you a thoughtfully devised and clearly explained financial plan for you and your family. For a consultation, contact us at Sincerely, Kevin Welsh Patrick Friesen The Welsh Friesen Group at Morgan Stanley California St., 4th Floor Omaha, NE [email protected] tel: (402) MORGAN STANLEY

19

20 This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it. The strategies and or investments discussed in this material may not be suitable for all investors. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments and strategies, and encourages investors to seek the advice of a Financial Advisor.The appropriateness of a particular investment or strategy will depend on an investors individual circumstances and objectives Morgan Stanley Smith Barney LLC. Member SIPC /2014 CRC 000