The Stuart Group at Morgan Stanley. Experience, Knowledge, Commitment, Trust

Transcription

1 The Stuart Group at Morgan Stanley Experience, Knowledge, Commitment, Trust

2 1850 K STREET NW, SUITE 900 WASHINGTON, DC / MAIN / TOLL-FREE / FAX

3 The Stuart Group at Morgan Stanley Our Mission The Stuart Group at Morgan Stanley advises and serves a select group of affluent investors and their families. We seek to be your trusted advisor in providing comprehensive financial, educational, retirement, and estate planning guidance. We commit ourselves daily to provide the highest level of integrity, exceptional personal service, and sound investment advice, while delivering customized strategies to help our clients realize their financial goals. Our Vision The Stuart Group at Morgan Stanley recognizes that, while we do not control the market environment, we do control the quality and breadth of the services we provide, the positive approach we display in our relationships, and the knowledge we apply to the investment process. We seek to understand the unique personal and financial objectives of our clients, develop strategies to achieve their goals and execute plans utilizing the specialized resources provided by one of the world s largest financial institutions. THE STUART GROUP 3

4 Meet the Professionals 4 MORGAN STANLEY

5 David Stuart Financial Planning Specialist Executive Director Financial Advisor David has 36 years of experience as a Financial Advisor with Morgan Stanley. After graduating from American University with a degree in Political Science and Finance, David spent three years as a loan officer with Riggs National Bank and then joined EF Hutton in As a 35 year member of Morgan Stanley s Director s Council, his focus is comprehensive wealth management for individuals including investments, retirement / estate planning, insurance and annuities. David was named among Washington s Premier Wealth Advisors ( 11, 12) by the National Association of Board Certified Advisory Practices. David is an avid Capitals and Nationals fan and enjoys golfing at River Bend Country Club near his home in Great Falls, Virginia. Michael Stuart, CFP Financial Planning Specialist Vice President Financial Advisor Michael has worked in finance since his graduation from Tufts University in 2000 with a degree in Economics and Political Science. At Tufts, Michael played varsity ice hockey and golf, and was President of his fraternity, Theta Delta Chi. After four years in Boston, Michael excelled as an Equity Trader for E*Trade Financial in New York City. Michael spent five years trading in Manhattan before coming to Washington to join The Stuart Group. He brings to the team a focus on comprehensive retirement and investment planning, including life and long-term care insurance. He is a member of River Bend Country Club and is an avid Capitals and Redskins fan. Michael lives in Arlington, Virginia with his wife, Jessica, and daughter, Skylar. Ryan Stuart Financial Planning Specialist Financial Advisor Ryan joined the Stuart Group in 2006, not long after his brother, Michael. He is a Financial Advisor earning the firm s Financial Planning Specialist title. He focuses on assisting affluent individuals and their families reach their financial goals through a comprehensive wealth management strategy. Ryan is the team member to turn to for managed future and private equity investing. He specializes in developing unique option strategies for clients. He is a graduate of James Madison University with a degree in Finance and Accounting. Out of the office Ryan is often on the golf course. Ryan played Division I golf at JMU, is a near scratch golfer and a member of River Bend Club in Great Falls, Virginia. Along with his love of golf, Ryan shares his father and brother s love of the Washington Capitals. THE STUART GROUP 5

6 Carrie Philips, CRPC Senior Registered Associate The newest member of the Stuart Group, Carrie moved from Chicago to join the team in June of She has worked at Morgan Stanley since 2008, but has been in the financial services industry since graduating from Northwestern University in With a degree in journalism, Carrie brings a unique set of talents to the team. In addition to her significant client relationship skills and attention to detail, Carrie has obtained her insurance license, rounding out what we can offer to the client experience with the Stuart Group. Carrie lives in Arlington, Virginia, and remains a die-hard fan of the Chicago Bears, Chicago Bulls, and Northwestern Wildcats. Deborah Harris Senior Registered Associate Deborah joined the Stuart Group in February of 2011 and has been with Morgan Stanley and its predecessors for the past 30 years. She is our team manager and our clients first point of contact for most administrative requests, or when a client is simply looking for the right person on the team for assistance and, along with Carrie, can often be a one stop shop in helping our clients with all their needs. Her years of experience benefit our team and our clients, as Debbie is able to offer a breadth of knowledge and understanding. Debbie lives in Fredericksburg, Maryland with her husband and two busy, beautiful, and sweet daughters. Debbie also has her hands full caring for four Dachshunds and three cats.

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8 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. Balance sheet analysis 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 Structured investments Separately managed accounts

9 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 Building a unique legacy Estate planning typically brings together the dimensions of life: personal, family, financial and charitable. We will work with you to understand the connections between your life and legacy goals, and work with your accountant and attorney to help you develop a strategy to position your portfolio appropriately. Educating new generations Helping to meet the education costs of children and grandchildren may be one of the most attractive and personally fulfilling investment opportunities available to you. We can help you access appropriate investment vehicles 529 plans and custodial accounts. Giving back through philanthropy Many successful individuals seek opportunities to support cultural and educational institutions, and nonprofit organizations and activities. Properly undertaken, charitable giving can provide planning flexibility and benefits for you. We can help you analyze and implement a strategy that rewards you while it benefits causes you care about. Charitable lead and remainder trusts Family foundations Donor advised funds 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 Meeting current liquidity and banking needs Managing personal cash and securing liquidity for personal needs and opportunities are the day-to-day aspects of implementing a financial strategy. We can help you meet your personal cash management and borrowing needs while thinking strategically about how approaches may affect current and longterm costs and taxes. Home finance Lending services Debt restructuring THE STUART GROUP 9

10 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 we will work just as hard on your behalf, committing our experience and skills to helping you achieve your unique goals for your wealth. Moreover, we will support you and your strategy by accessing the resources and perspective of one of the world s largest financial firms. 10 Before our team offers specific advice, however, we must understand who you are and what you want your wealth to accomplish. Working with you, we will complete a four-step process: 1 Setting your financial objectives We 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. We 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, we also might discuss your current banking and cash management needs. MORGAN STANLEY 2 Developing your wealth management strategy Based on your input, our 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 we have discussed and refined your strategy, the team works closely with you to bring the elements to life. Should we decide together that outside money managers are appropriate for you, we 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, we can help identify specific stocks, bonds and other securities that may be suitable for your portfolio. Whatever approach we decide on, the team 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, we can suggest appropriate adjustments to your portfolio to help it remain aligned with your goals.

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12 Financial Advisors have access to TOP-FLIGHT RESEARCH from to the CENTER FOR INVESTMENT EXCELLENCE of market research and actionable investment ideas. 4,100 tracked 25 Global Investment SALES AND TRADING business dedicated our wealth management clients. 210 Management has the most MANAGER DUE-DILIGENCE team in 1,000 investment ALTERNATIVE INVESTMENT most sought-after fund managers. 100 unique strategies 25 manager research 30 dedicated One of the World s Strongest Investment Organizations Stands Behind Your Financial Advisor Information as of 06/30/2012 unless otherwise indicated

13 A CULTURE of 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 Education Funding Investment Management Retirement Risk Management 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. A STRONG, STEADY FORCE IN A CHANGING INDUSTRY Please read important disclosures on the back cover of this brochure 10/2012 CRC562867

14 The Stuart Group at 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. 14 MORGAN STANLEY

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16 The investments and services listed may not be suitable for all investors. Morgan Stanley 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.source: NABCAP: "Premier Wealth Advisors", Washington Business Journal Sept 28, 2012, Over 5000 direct contacts and over indirect contacts were made to seek participation and/or nomination of participants in the Premier Wealth Advisor Program. The number of individuals contacted varies based on the size of the local market. NABCAP uses a methodology that it has created that includes both quantitative and qualitative criteria including, but not limited to financial planning, education, experience, and compliance record. NABCAP contracts with Rank Premier Advisors to administer its evaluation process. NABCAP's evaluation and ranking program (including the evaluation and validation process and the list of NABCAP Premier Advisors) is an independent third-party assessment based on objective, unbiased questions ("Program"). The Program is structured to ensure a comprehensive and objective evaluation of financial advisory practices. NABCAP's methodology includes, but is not limited to (i) average assets per client, (ii) average number of clients per advisor, (iii) financial advisor to support staff ratio, and (iv) financial advisor and support staff credentials/designations. For more information on NABCAP's methodology go to nabcap.org.premier Wealth Advisors do not pay a fee to be included in the final list of NABCAP Premier Wealth Advisors.The overall evaluation score of a wealth manager may not be representative of any one client's evaluation.the inclusion of a wealth manager on the list should not be construed as an endorsement of the wealth manager by NABCAP or Washington Business Journal.The rating is not indicative of the Financial Advisor's future performance. 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. Morgan Stanley Smith Barney LLC is a registered brokerdealer, not a bank. Where 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. Member SIPC /2013 CRC CA Insurance Lice # 0F08300