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 an investment portfolio. It begins with developing a holistic, comprehensive understanding of who you are and the financial forces at work in your life. It means helping you understand and respond effectively to these forces. And, of course, it means helping you invest your assets in a way that reflects the realities of your life and the uniqueness of your long term goals. As a Financial Advisor, I am committed to building a relationship of trust in which I can work closely with you to help you define your objectives, explore alternatives and choose the financial and investment strategies that are most appropriate for you. As our relationship evolves, I hope you will come to regard me as a valued resource and a professional who can help you make a more informed decision on any financial issue. My most important goal: to help you achieve your objectives, providing guidance that helps your wealth do more for you. MARY ANN COULSON 3
My Background Mary Ann Coulson, CRPC Senior Vice President Branch Manager Mary Ann Coulson is a highly respected and experienced financial executive at Morgan Stanley. Having worked more than 25 years with the firm, she offers seasoned, wellrounded professional experience with in-depth knowledge of the financial landscape. Currently, Mary Ann is a Senior Vice President and Branch Manager of Morgan Stanley s Buffalo, N.Y. office. She holds numerous licenses; Series 3, 7, 8, 63, 65 and Insurance as well as the highly regarded CHAR- TERED RETIREMENT PLANNING COUNSELOR, which enables her to provide advice to clients helping them create sound, thorough financial plans for their golden years. Mary Ann is, and always has been very involved in the community. She serves as a Board Member of Buffalo Prep and Chairperson of the Board of Trustees at The Gow School. She is a past board member of Greater Niagara Frontier Council Boy Scouts of America, The Buffalo Branch of The International Dyslexia Association, Junior Achievement of Western New York, and The West Seneca, Lafayette and Lancaster Academy of Finance. Mary Ann believes a balanced life is the essence of happiness. As such, when she is not working, she enjoys spending quality time with David, her husband of 15 years, at their home in Orchard Park, N.Y. Mary Ann and David have one son, Adam, a four-year student at Gow who graduated from the University of Cincinnati in 2011. Adam recently joined the Kroger Company Corporate Office as a store planner for the facility-engineering department. Whether you would like to establish a new relationship with a well-seasoned financial executive or, if you re a financial professional, and would like to consider working at a highly respected branch office, Mary Ann can be a resource for you. For more information, call (716) 849-4884. MARY ANN COULSON 5
Developing Your Wealth Management Strategy Individuals work hard to build wealth in pursuit of a meaningful life for themselves and their family. Your achievements reflect substantial effort, and I will work just as hard on your behalf, committing my experience and skills to helping you achieve your unique goals for your wealth. Moreover, I will support you and your strategy by accessing the resources and perspective of one of the world s largest financial firms. Before I offer specific advice, however, I must understand who you are and what you want your wealth to accomplish. Working with you, I will complete a four-step process: 1 Setting your financial objectives I will begin our relationship by listening discussing a range of topics related to your financial needs and investment objectives: long-term life goals and expectations, possible major purchases, and legacy and charitable goals, if you have them. I will discuss your current financial resources, your time horizon for various goals, your tolerance for risk even how your liabilities are structured. If you own a business, I also might discuss your current banking and cash management needs. 2 Developing your wealth management strategy Based on your input, my advice will likely help address income and retirement planning, asset protection, investment management, strategic borrowing, wealth transfer and business succession. Of course, your plan will include an asset allocation strategy designed to help achieve your financial goals in light of your risk tolerance and investment time horizon. 3 Implementing your strategy After I have discussed and refined your strategy, I will work closely with you to bring the elements to life. Should we decide together that out- 6 MORGAN STANLEY 1013335 12/2012
side money managers are appropriate for you, I will draw on in-depth research and analysis to help you select from the hundreds of investment management firms available to you. If you prefer to invest in individual securities, I can help identify specific stocks, bonds and other securities that may be suitable for your portfolio. Whatever approach we decide on, I will help you keep your strategy on track. 4 Reviewing your performance You will receive a quarterly review that outlines your portfolio s performance, helping you track progress toward your objectives. Moreover, when your personal situation or market conditions change significantly, I can suggest appropriate adjustments to your portfolio to help it remain aligned with your goals. 7
Morgan Stanley 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 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. Morgan Stanley Financial Advisors do not provide tax or legal advice. This material was not intended or written to be used for the purpose of avoiding tax penalties that may be imposed on the taxpayer. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters. Morgan Stanley Smith Barney LLC offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please contact us to understand these differences. appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking-related products and services. Unless otherwise specifically disclosed to you in writing, investments and services offered through Morgan Stanley are not insured by the FDIC, are not deposits or other obligations of, or guaranteed by, banks and involve investment risks, including possible loss of principal amount invested. Asset allocation and diversification do not guarantee a profit or protect against loss. Morgan Stanley Smith Barney LLC is a registered brokerdealer, not a bank. Where 2012 Morgan Stanley Smith Barney LLC. Member SIPC. 1013335 12/2012 CRC 12658