Morgan Stanley. R & R Partners. 522 Fifth Avenue, 15th Floor New York, NY (212)

Transcription

1 R & R Partners 522 Fifth Avenue, 15th Floor New York, NY (212)

2 Table of Contents Our Mission Page 2 Wealth Management Page 3 Why R and R Partners? Page 5 Investment Management Pages 6-8 Portfolio Construction Pages 9-12 R & R Partners Page 13 Disclaimers Page 15 1

3 Our Mission Dedicated to delivering unbiased and objective investment advice, R & R Partners develop customized strategies to help our clients grow and preserve their wealth. We are devoted to long-term relationships with our clients and our goal is to help simplify the complexities of wealth accumulation and deliver superior client service and performance. We are committed to making every client feel as though they are our only client! 2

4 Wealth Management Leading Investment organization with strong international presence in over 800 global locations and $1.7 trillion in client assets 25 Global Investment Committee Members providing market research and actionable investment ideas For over 75 years, a trusted financial advisor to successful individuals and families, corporations, foundations and endowments Full range of advisory and wealth management capabilities Comprehensive coverage of every major asset class Largest manager due diligence team in the industry Dedicated equity and fixed income trading platforms focused on individual investors 3

5 Capabilities Strategic Wealth Planning Investment Management Estate Planning Retirement Planning Business Planning Strategies Commercial lending Education Funding Mortgage and home Equity Lending Services Annuities and Insurance Coverage 4

6 Why R & R Partners? Create personalized portfolios based on individual investment objectives Experienced investment professionals-senior team members collectively have more than 60 years of investment management experience Disciplined Investment Process Comprehensive portfolio reviews and client communications Superior Client Service and Partnership Competitive and easy to understand fees. 5

7 Investment Management Discretionary Investment Process Built Around You! Establish Goals Ongoing Review Process Meeting Your Long Term Goals Determine Appropriate Asset Allocation to Meet Objectives Implement Your Investment Plan Evaluate and Select Investments 6

8 Investment Process Building Customized Portfolios Establish financial objectives Develop investment policy based on your risk tolerance, income and liquidity needs and investment time horizon Define investment strategy Create an asset allocation based on your unique profile and situation Evaluate and select investments Research and evaluate appropriate investments across all major asset classes using both quantitative and qualitative data Construct an individually tailored, diversified portfolio to meet your specific needs Ongoing review process Monitor portfolios performance on an ongoing basis Make adjustments to investment program and asset allocation as your life needs change Customized reporting and online access Quarterly performance reports Online portfolio access 7

9 Strategic Asset Allocation The Most Important Decision Allocation Conservative Moderate Conservative Balanced Balanced Growth Aggressive Stocks 0% 30% 60% 70% 80% Large Cap Growth 0% 7% 17% 19% 20% Large Cap Value 0% 8% 14% 17% 19% Mid Cap Growth 0% 4% 6% 8% 10% Small Cap Value 0% 2% 6% 6% 8% International - Developed 0% 6% 11% 14% 15% International- Emerging 0% 3% 6% 6% 8% Bonds 100% 70% 35% 27% 18% High Quality- Short Term 53% 36% 12% 9% 6% High Quality- Intermediate 22% 17% 11% 9% 6% U.S. High Yield 9% 7% 5% 3% 3% International 6% 4% 3% 2% 1% Inflation Linked 5% 3% 2% 2% 1% Emerging Markets 5% 3% 2% 2% 1% Cash 0% 0% 5% 3% 2% 8

10 Portfolio Construction & Management Actively Managed Tailored Portfolios To Meet Your Investment Objectives Strategic Asset Allocation Tactical asset allocation Manager and Security Selection Implementation Full transparency Ongoing reporting and monitoring Asset Allocation Manager and Security Selection Implementation Tailored Client Portfolio Ongoing Monitoring Client Communication 9

11 Equity Investment Strategy Leveraging the intellectual capital of the Global Investment Committee, we develop and customize tailored portfolios using an opportunity set of diverse equity sectors appropriate for client risk/return objectives. Combing index-based ETFs with actively managed mutual funds to align portfolio with client s risk/return objectives while seeking to maximize return. Make tactical adjustments as a way to enhance return. Implement core styles with ETFs Large Cap, Mid cap, Small cap. Tactical Sectors International, Developed & Emerging Markets. 10

12 Portfolio Positioning Moderate Risk Balanced Growth Portfolio Positioning Stocks 9% 9% 2% 2%3% 2% 5% 9% 9% 3% 3% 2% 2% Bonds 15% 25% Cash 11

13 Fixed Income Strategy Tax Exempt and Taxable Tax Exempt Strategy Core Municipal Designed for investors whose primary objective is to generate current income in a tax efficient manner while seeking to preserve principal. The portfolio invests in high quality municipal bonds rated A or higher. Municipal Plus Designed for investors whose primary objective is to generate a high level of current income while seeking above average total return. The portfolio maintains a core holding of municipal bonds and maintains a tactical allocation to taxable bonds to enhance return. Taxable Strategy Core Taxable-Designed for investors who seek an actively managed portfolio with the goal of achieving an annual rate of total return greater than that of the Barclays Aggregate Bond Index. The portfolio maintains a core holding in U.S. Treasuries, investment grade corporates, asset backed securities, and non U.S. sovereign bonds. The portfolio has a tactical allocation to high yield corporates, and emerging market debt to maximize return. 12

14 R & R Partners Experienced Investment Team Portfolios Tailored To Meet Your Goals Results Oriented Get new team picture to place here 13

15 Biographies Ken Ramos is a Senior Vice President of Wealth Management and Portfolio Manager. He brings over 15 years of investment experience to R and R Partners. Ken works closely with individuals, family offices and registered investment advisors to structure tailored tax efficient portfolios. Ken joined in He was a Managing Director at Bear Stearns for six years where he worked with clients to create custom fixed income portfolios. Ken began his career at Tucker Anthony where he was a Vice President of Fixed Income for five years trading fixed income securities. Ken has a B.S. in Finance from Rutgers University. He is a member of xxx club. Gary Rudow is a Senior Vice President of Wealth Management. He joined in 2008 where his primary focus is the coordination of debt and equity capital markets for high net worth individuals and institutions. Prior to joining, Gary was a Senior Managing Director at Bear Stearns for five years where he developed fixed income strategies for individual and institutions. Gary was also a Senior Vice President at Gruntal and Company for three years and Vice President at Tucker Anthony for seven years. He began his career at Citibank Private Bank. Gary holds a B.S. in Economics from Rutgers University. He is a Board member of Sports Angels. Cindy Rudbart is a Senior Vice President of Wealth Management. She holds the title of Portfolio Manager and brings over 25 years of experience creating customized portfolios for high net worth individuals, institutions and foundations to. Prior to joining the firm in January, she was a Managing Director and senior portfolio manager at Fiduciary Trust Company International for 4 ½ years. She also spent 12 years managing balanced portfolios at HSBC Bank USA and 13 years at Citibank Global Asset Management. where she managed taxable, tax exempt and balanced portfolios. Cindy earned her MBA in Finance from Fordham University Graduate School of Management and a BS in Finance from the University of Maryland Smith School of Business. She is a member of the Financial Women's Association and Board Member and past president of Business and Professional Women s Division of UJANNJ. 14

16 Biographies Karen Yee is the R and R team s Registered Client Service Associate. Having previously worked with Ken Ramos and Gary Rudow for 5 years at Bear Stearns, she joined Morgan Stanley with them in Karen is responsible for managing all client support functions and works closely with the Groups high net worth clients as well as administrative departments with the firm to help facilitate client service, trade settlement and account maintenance. A graduate of Syracuse University with a B.A. in fine arts, Karen is fluent in Mandarin. The Private Banker supporting R and R Partners is: Alexandra Chau is a private banker with Private Bank, National Association, supporting the Smith Barney 1211 Avenue of the Americas complex. Alexandra has five years of experience in the financial services industry. Before joining, Alexandra worked with Accredited Home Lenders and then as a financial specialist and private banker at Wachovia, where she was named Top Performing Financial Specialist in Manhattan in 2008 and Alexandra graduated Summa Cum Laude from the Boston University School of Management in 2005 with a BS in finance. 15

17 Disclaimers Portfolio Management is an advisory program in which the client's Financial Advisor invests the client's assets on a discretionary basis in a wide range of securities. Tax laws are complex and subject to change. Smith Barney LLC, its affiliates and Smith Barney Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. This material was not intended or written to be used for the purpose of avoiding tax penalties that may be imposed on the taxpayer. Individuals are urged to consult their personal tax or legal advisors to understand the tax and related consequences of any actions or investments described herein. The investments listed may not be suitable for all investors. Smith Barney LLC recommends that investors independently evaluate particular investments, and encourages investors to seek the advice of a financial advisor. The appropriateness of a particular investment will depend upon an investor's individual circumstances and objectives. Please refer to our statements of responsibilities, available on our public website and on ClientServ, for additional information. You may also contact your Financial Advisor if you have any questions about these changes. International investing may not be suitable for every investor and is subject to additional risks, including currency fluctuations, political factors, withholding, lack of liquidity, the absence of adequate financial information, and exchange control restrictions impacting foreign issuers. These risks may be magnified in emerging markets. Dow Jones Industrial Average is a price-weighted index of the 30 blue-chip stocks and serves as a measure of the U.S. market, covering such diverse industries as financial services, technology, retail, entertainment and consumer goods. An investment cannot be made directly in a market index. NASDAQ Composite Index is a market-value-weighted index of all NASDAQ domestic and non-u.s. based common stocks listed on NASDAQ stock market. An investment cannot be made directly in a market index. S&P 500 Index is an unmanaged, market value-weighted index of 500 stocks generally representative of the broad stock market. An investment cannot be made directly in a market index Smith Barney LLC. Member SIPC. Consulting Group and Investment Advisory Services are divisions of Smith Barney LLC. The information and data in this presentation were obtained from sources deemed reliable. Their accuracy or completeness is not guaranteed and the giving of the same is not deemed a solicitation on our part with respect to the purchase or sale of any securities or commodities, or any specific investment or strategy. For more information, please contact your Financial Advisor. Investments and services offered through Smith Barney LLC, member SIPC. 16