The Hagwood Tomoda Group at Morgan Stanley. Wealth Management and Corporate Retirement Specialists

Transcription

1 The Hagwood Tomoda Group at Morgan Stanley Wealth Management and Corporate Retirement Specialists

2 45 William Street Suite 130, Wellesley, MA / MAIN / TOLL-FREE / FAX aaron.hagwood@mssb.com scott.tomoda@mssb.com christine.droney@mssb.com andres.castano@mssb.com tricia.m.phillips@mssb.com

3 The Hagwood Tomoda Group at Morgan Stanley 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 Financial Advisors, we are committed to building a relationship of trust in which we 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, we hope you will come to regard us as a valued resource and professionals who can help you make a more informed decision on any financial issue. Our most important goal: to help you achieve your objectives, providing guidance that helps your wealth do more for you. THE HAGWOOD TOMODA GROUP 3

4 Meet the Professionals We believe that working as a team helps to provide you with access to the most appropriate solutions, and helps to ensure that you benefit from the highest levels of service. While we bring complementary skills and perspectives to our clients, we also share a commitment to responding to your needs promptly, professionally and thoroughly. Our goal is to earn your confidence not only through the quality of solutions we provide to you, but also the excellence with which we deliver them. 4 MORGAN STANLEY

5 Aaron Hagwood, CRPS Corporate Client Group Director Senior Vice President Wealth Advisor Aaron has been a Financial Advisor at Morgan Smith Barney since In 2001 Aaron & Scott started The Hagwood Tomoda Group to better serve the needs of executives, business owners & select retirees. Aaron has extensive experience in the Corporate Retirement Plan marketing and earned the Chartered Retirement Plan Specialist designation from the American College of Financial Planning. Aaron also earned the title of Corporate Client Group Director at MSSB. In addition, as a Wealth Advisor, his areas of focus extend beyond traditional investments to alternative investments, trust & estate planning and insurance planning. Morgan Stanley Smith Barney Wealth Advisors are carefully selected and required to complete an advanced education program as well as ongoing training. Aaron is a volunteer for the Junior Achievement Program and enjoys long-distance running, golf, skiing and spending time with his family. Scott Tomoda Senior Vice President Wealth Advisor Scott joined MSSB in 2000 as a Financial Advisor after completing his MBA from University of North Carolina, Kenan Flagler Business School. Scott provides comprehensive wealth management strategies to senior executives, business owners & select retirees. While broadly focused on the economy and markets, Scott is well versed in equities, fixed income, alternative investments, estate planning and insurance, helping clients to make sound investment and planning decisions. Scott draws from the intellectual capital of the firm and his experience to help clients develop appropriate asset allocation models and select some of the best investment managers. As a Wealth Advisor, Scott's capabilities extend beyond traditional investments to wealth planning and the development of customized solutions to help clients THE HAGWOOD TOMODA GROUP 5

6 varying needs from preservation, appreciation, and or tax efficient transfer of wealth. Scott & his wife Trisha enjoy their free time with their daughter Kira and son James. Andres Castano, CRPS Corporate Client Group Director Andres joined Morgan Stanley Smith Barney in As a member of The Hagwood Tomoda Group, he is responsible for working directly with our corporate retirement clients to design and implement an education plan that helps the needs of the participants. He is also in charge of evaluating investment managers to ensure compliance with each plan sponsors investment policy statement (IPS).Prior to joining Morgan Stanley, Andres worked in the Defined Contribution divisions of DWS Investments and ADP, Inc. He earned a BS in Management with a concentration in Finance from the University of Massachusetts and holds the designation of Chartered Retirement Plans Specialist. Christine Droney, CFP, ChFC Associate Vice President Financial Advisor Originally from Maine, Christine graduated Summa Cum Laude from Northeastern University with a B.S. in Behavioral Neuroscience. She moved to Florida where she began her career with UBS Financial Services Inc and built a successful practice focusing on the financial needs and goals of retirees. Christine earned the CER- TIFIED FINANCIAL PLANNER TM (CFP ) and Chartered Financial Consultant (ChFC ) designations. While in Florida, Christine acted as the Branch Office Insurance Coordinator, Training Delegate in charge of training new financial advisors, and successfully graduated from the Management Training Program. She moved back to Massachusetts in 2007 and continues to service her Florida clients. In February of 2009 she joined Morgan Stanley Smith Barney and The Hagwood Tomoda 6 MORGAN STANLEY

7 Group, bringing her extensive knowledge of Financial Planning and Retirement Planning to Wealth Management Clients, corporate executives, and 401(k) participants. Christine lives in Needham, MA, with her husband Michael and three sons Ryan, Connor, and Liam. Patricia Phillips Senior Registered Client Service Associate Joining Morgan Stanley Smith Barney in June 2001, Tricia brings 10 years of financial industry experience to the Hagwood Tomoda Group. She is responsible for managing client requests, executing trades and processing new accounts. A 2000 graduate of Westfield State College, Tricia holds her FINRA Series 7, 66 and 31 securities licenses.

8 A Consultative Process Charting a prudent course to financial independence requires a well-conceived, personalized financial plan with defined, longterm goals. Our consultative wealth advisory process was developed to help generate that plan. Its key steps are designed to result in a broad, cohesive plan for your financial future. 1 We will begin by discussing what matters most to you and what you want to accomplish with your wealth. In addition to your finances and investments, we will talk about you, your values, lifestyle, your worries and what you are passionate about. 8 MORGAN STANLEY

9 Discover Analyze 2 We will analyze your personal and financial information, assess risks, and identify potential threats to your financial health. Then we will present you with a comprehensive plan to address your income and cash flow needs, borrowing requirements, asset protection, retirement planning, wealth transfer and philanthropy goals. Review Implement 3 Our objective approach to implementing your plan will pay special attention to how its various aspects can affect, enhance and integrate with each other. When appropriate, we will suggest seeking additional, in-depth advice on particularly complex planning, financial and family issues we have identified. 4 We will review your portfolio together at your request. And when your circumstances change, we will work with you to revise your strategy and reposition your assets to reflect your new needs and goals.

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11 For Life's Most Important Goals With experienced professionals and the right resources, reaching your most important goals can be less challenging and more rewarding. We are ready to help you meet your goals, by combining our insights into your needs with the resources of Morgan Stanley. Setting a Confident Course Thorough, thoughtful planning planning that analyzes where you are as well as where you want to go is the most important step in establishing a path to your goals. We will work with you to explore and define your objectives and needs, and then structure a plan that is uniquely your own. Retirement Planning Education Planning Estate Planning Multigenerational Planning Insurance Managing the Rewards of Success Managing an investment portfolio should be a consultative, disciplined process that balances your attitudes and goals as an investor with careful analysis of the financial markets and the risks and opportunities they hold for you. You can rely on us for objective strategic advice in structuring your portfolio and for careful analysis of any investments we consider together. Asset Allocation Investment Management Traditional Investments Alternative Investments Shaping Your Retirement Together, we can work to make decisions that could help you move toward the retirement you expect. Whether you are building retirement wealth or making the transition to generating income from your assets, we can help you develop and implement a strategy based on your vision of retirement. IRAs: - Traditional - Roth IRA Rollovers Roth Conversions Strengthening Your Business The links between business ownership and personal wealth are many and complex. Whether your objective is to grow your business, realize its value through a succession strategy or sale, or maintain family ownership by the next generation, we can examine your alternatives in light of both business and personal objectives. And, should circumstance require it, we can use the access to banking services of Morgan Stanley. Credit Facilities Cash Management Retirement Plans Strategic Consulting and Transactions Succession Planning Protecting Your Wealth Insurance can play a critical role in virtually any comprehensive financial strategy, helping you to protect the value of your assets, protect your income and your family s financial security even perform important functions in a business succession or estate plan. We can help you analyze your current insurance portfolio and work to update your coverages to fulfill personal and strategic goals. Life and Disability Income Insurance Life Insurance Trusts Key-Person Insurance THE HAGWOOD TOMODA GROUP 11

12 Financial Advisors have access to TOP-FLIGHT RESEARCH from both Morgan Stanley and Citi, and to the CENTER FOR INVESTMENT EXCELLENCE, a proprietary source of market research and actionable investment ideas. Morgan Stanley is the only firm that has a SALES AND TRADING business dedicated exclusively to serving the needs of our wealth management clients. Morgan Stanley has the most comprehensive MANAGER DUE-DILIGENCE team in the industry. 2,500 global companies tracked independent capital markets professionals 30 manager research professionals investment products For suitable investors, a team of dedicated research analysts track 200 unique strategies strategies implemented by the most sought-after fund managers. One of the World s Strongest Investment Organizations Stands Behind Your Financial Advisor Information as of 08/08/2011 unless otherwise indicated research analysts 210 1,000 ALTERNATIVE INVESTMENT dedicated research analysts

13 A CULTURE of EXCELLENCE OVER THE YEARS, YOU HAVE MADE MANY FINANCIAL DECISIONS. ONE IN PARTICULAR IS LIKELY TO HAVE A LASTING IMPACT ONYOURWELLBEINGANDTHATOFYOURFAMILY: THECHOICEOFAFINANCIALADVISOR. InvestorswhochooseMorganStanley oftentellusthattheirreasoningissimple. They choose a Financial Advisor and afirm thatmirrorsthevaluespropellingtheirownsuccess:acommitment toperformatthehighestlevelfortheir clients, with no shortcuts, compromises or excuses. A PROFOUND UNDER- STANDING OF WEALTH MANAGEMENT NEEDS Business Strategies Charitable Pursuits Education Funding Estate Planning Integrated Planning Investment Management Liquidity Retirement Risk Management VAST EXPERIENCE. Drawingonmany yearsofexperience,morganstanley understandstheimportanceofshaping relationships that reflect client needs, preferences and aspirations. OurfirmandFinancialAdvisors 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 helpdevelop,structureandexecute strategies for your most important financial needs, from accumulating wealthtoinvestingforincome,from creating retirement reserves to devisingadistributionapproachthatmeets yourlifestyleandlegacygoals. INVESTMENT INSIGHT WITHOUT LIMITS. Asaclient,youhaveaccess tothestrategicandtacticalviewsof someoftheworld smostseasonedand respected investment professionals. The members of our Global Investment Committee develop strategies that guide themanagementofadvisoryaccounts andhelptoinformthedecisionsof clients across Morgan Stanley. Theteamiscurrentlysupported bytheworkof300analystsattwoof theworld slargestinvestmentbanks, MorganStanleyandCiti,whocoverkey geographicandeconomicsectors, aswell as 2,500 individual equity securities. Youalsobenefitfromapremiertradingandexecutionplatform.Thinkof our210capitalmarketsprofessionals as experienced, highly responsive and knowledgeable partners. PERFORMANCE THAT SEEKS TO MEET YOUR MEASURE. AmongthemostimportantskillsofourFinancialAdvisors istheabilitytolisten:tounderstand 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-termgoals,beasoundingboardfor yourinvestmentideas,andassistyouin developingandexecutingastrategythat ispreciselyyourownandhelpdeliver results that meet your needs. YourFinancialAdvisorisyouradvocatewithinourfirm,anintelligent editorwhoselectsandalignsthemany capabilities of Morgan Stanley for you, deliveringtherightresourcestoyou inthewaythatismostappropriate forhowyouinvestandwhatyouwant to achieve. A STRONG, STEADY FORCE IN A CHANGING INDUSTRY CEO and senior team with deep wealth management experience 130yearsofcombined experience 800 global locations 17,600 Financial Advisors 7 million client accounts $1.7 trillion client assets Pleasereadimportantdisclosuresonthebackcoverofthisbrochure 9/ PS-2583

14 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. 14 MORGAN STANLEY

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16 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. 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 appropriate, Morgan Stanley Smith Barney LLC 2012 Morgan Stanley Smith Barney LLC. Member SIPC /2012 CRC