The Walker Group at Morgan Stanley. A boutique advisory practice providing sophisticated wealth management solutions.

Transcription

1 The Walker Group at Morgan Stanley A boutique advisory practice providing sophisticated wealth management solutions.

2 1775 Eye Street NW Suite 200, Washington, DC / MAIN / TOLL-FREE / FAX

3 The Walker Group at Morgan Stanley The Walker Group at Morgan Stanley is a boutique-like financial advisory practice that provides sophisticated wealth management solutions to high-net-worth individuals, including their families, estates and businesses. Our holistic planning approach means that we do not manage financial assets in isolation, but incorporate our clients unique goals and address their concerns throughout our process. We help guide our clients through a number of life s significant events and complex issues, including: Estate Planning Retirement Planning Investment Portfolio Management Educational Planning Concentrated Wealth Issues Sale of a Business IPOs and other Liquidity Events Asset Protection Needs Divorce and Transitional Planning We are often our clients first phone call when critical events occur in their lives. Our most important goal is to help you achieve your objectives in an efficient and effective way. THE WALKER GROUP 3

4 Meet the Professionals Dexter Walker Family Wealth Director Senior Vice President - Wealth Management Senior Portfolio Manager The Walker Group from left to right: Latrina Green, Dexter Walker, Suzanne Spano and Kaine Alozie During his 20 years as an investment professional, Dexter built a wealth management practice that delivers thoughtful solutions and exceptional service to his clients. He is recognized by Morgan Stanley as a Family Wealth Director, an elite designation bestowed by the firm on the advisors and teams that are the destination for the best and most sophisticated clients of the firm. A Family Wealth Director designation requires passing stringent qualitative and quantitative elements developed by the firm, as well as a high-end professional development program. Dexter earned a Bachelor of Arts and Bachelor of Science from the University of Delaware. During his final two years, he was an intern in the brokerage business. He met his wife, Melissa, at the University of Delaware. They have four children that Dexter adores, coaches and actively helps to raise. He also is active in a number of charitable causes including Fair Chance, the Somerset Foundation, and the Wendt Center. He is an avid squash player and reader, and also enjoys golf and basketball. 4 MORGAN STANLEY

5 Suzanne Ratelle Spano, CFA, CFP Financial Advisor Since joining Morgan Stanley in 2007, Suzanne has focused on providing comprehensive financial planning services to clients and their families. Her approach stems from her 10+ years of experience in corporate strategy and operations where she learned that sound strategic planning considers the interconnectedness of the balance sheet, income and cash flow statements, as well as, risk management. She applies this business planning approach when developing, implementing and maintaining customized financial plans focused on helping our clients and their families achieve their financial and lifestyle goals, while allaying their concerns. Suzanne earned a Bachelor of Arts degree in Japanese from the University of Minnesota and an MBA from Georgetown University. She continues to expand her knowledge and skill set aimed at better serving clients, including earning the Chartered Financial Analyst (CFA) and Certified Financial Planner (CFP ) designations. Suzanne enjoys cooking, running and swimming. A Minnesota native and with nearly 10 years in New York City, she now lives in the DC area with her husband, Bryan. Kaine Alozie Portfolio Management Associate Ken s responsible for developing customized, tax-aware investment solutions to help clients meet their stated objectives. He does this by focusing on investment strategy, portfolio management and investment analytics. His process begins with the client - understanding their goals, concerns and priorities. Ken then pairs top-down, macroeconomic views held by the team and the firm with extensive diligence on a full suite of investment options, including individual stocks and bonds, ETFs, mutual funds, hedge funds and others. Prior to joining Morgan Stanley, Ken worked for other leading financial firms, including Lehman Brothers, Oracle Capital Partners, Marsh & McLennan and P&M Corporate Finance. Ken earned a Bachelor of Business Administration in Finance from Loyola Marymount University and was inducted into the Beta Gamma Sigma honor society. He also earned a Masters in Finance from London Business School and an MBA from the University of Michigan. Ken is a black belt in Taekwondo and lives in Silver Spring, MD with his wife, Roxanne. Latrina Green Financial Planning Associate Senior Registered Associate Latrina is responsible for resolving and following up on client inquiries, as well as, the day to day administration of client accounts and team operations. As an employee of Morgan Stanley for approximately 15 years, she has worked closely with clients while gaining knowledge of the firm s operations and procedures. Her experience is essential for the team to be able to provide exceptional service to our clients in a timely and professional matter. Latrina was a Client Service Associate (CSA) Coach from 2008 to 2012, where she helped facilitate the training for new hire CSAs and assisted other CSAs with their administrative and operational inquiries and issues. Born and raised in the Washington, DC Metropolitan area, Latrina earned a Bachelor of Science degree in both English and Mass Communications with a Minor in Public Relations Frostburg State University. Latrina is Series 7, 66, and 31 securities licensed. Additionally, she continues to be an active member of her sorority, Zeta Phi Beta Sorority, Inc., enjoys cooking, and is an avid reader in her spare time. THE WALKER GROUP 5

6 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. 6 MORGAN STANLEY

7 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.

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 Strategic consulting and transactions 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. 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. 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 Securities-backed loans THE WALKER GROUP 9

10 $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 June 30, 2012 unless otherwise indicated

11 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 toperformatthehighestlevelfortheir clients, with no shortcuts, compromises or excuses. Our Financial Advisors work from an extensive knowledge base built on diverse skills, experience, training and professional interests. They take time to understand your most important goals. They have the resources to help you navigate volatile markets and changing life circumstances. Behind every Financial Advisor stands Morgan Stanley. For more than 75 years, our firm has been a leader, innovator and partner for successful individuals and their families, as well as corporations, foundations and endowments. Whatever your financial goals, and however you prefer to pursue them, Morgan Stanley offers you more flexibility, more capability and more insight than you are likely to find anywhere else. MORGAN STANLEY

12 CHOICE / GLOBAL INSIGHT AND OPPORTUNITIES Investment insight without limits Morgan Stanley has a presence in every major asset class and every major market, as well as investment research from some of the world s most respected analysts. Our culture values lively debate and an open exchange of ideas as the basis for distinctive, sophisticated strategies. We translate our insights into your financial success. INTELLECTUAL CAPITAL, GLOBAL PERSPECTIVE. As a client, you have access to the strategic and tactical views of some of the world s most seasoned and respected investment professionals.themembersofour 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 analysts at two of the world s largest financial institutions, Morgan Stanley and Citi, who cover key geographic and economic sectors, as well as 4,100 companies. This research is directly available to individual clients, as are the market insights, research and analytic views of fixed income and equity desks focused on the needs of individual investors. Your Financial Advisor can bring all of these resources to bear on your portfolio. SOPHISTICATED STRATEGIES, RIGOROUS RISK MANAGEMENT. The Global Investment Committee is an especially valuable resource to you and your Financial Advisor. The committee creates model portfolios based on rigorous statistical techniques which guide both institutional and individual investors and reflect a range of time horizons, risk profiles and wealth levels. Also, the committee makes tactical suggestions based on an astute analysis of the investment landscape. It is all done with an eye on achieving the most efficient balance of risk and return to help maximize the likelihood of successfully meeting your objectives. A PREMIER TRADING AND EXECU TION PLATFORM. Our ability to execute your investment strategy is second to none. Morgan Stanley is one of the only wealth management firms with a stand-alone, principal-driven capital markets platform dedicated to the needs of individual investors and Financial Advisors. Our 210 capital markets professionals are an experienced, highly responsive and knowledgeable resource available to you. THE FULL SPECTRUM OF INVEST MENT CHOICES. In our investment advisory services programs, you also have access to a variety of investment products, including mutual funds and separately managed accounts that are vetted and continuously monitored by a team of manager research analysts and investment professionals one of the largest such groups in the industry. These specialists provide due diligence for an open-architecture platform that includes more than 1,000 investment vehicles and strategies again, a broader offering than that of any other investment firm. When deciding on which advisory program and vehicles to invest in, you will receive guidance from a Financial Advisor focused on your best interests. PERSONAL / PERFORMANCE A PROFOUND UNDER STANDING OF WEALTH MANAGEMENT NEEDS Business Strategies Charitable Pursuits Education Funding Estate Planning Integrated Planning Investment Management Liquidity Retirement Risk Management Performance that seeks to meet Our goal is to understand which personal and financial measures are most important to you and then to exceed them. YOUR PERSONAL FINANCIAL ADVISOR. Among the most important skills of our Financial Advisors is the ability to listen: to thoroughly understand your financial needs and then align the resources to 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. If you choose to utilize one or more of the investment advisory programs offered, your Financial Advisor abides by the highest fiduciary standards, putting yourinterestsaheadofthefirm sor his or her own. Your Financial Advisor is your advocate within our firm, an intelligent editor who selects and aligns the many capabilities of Morgan Stanley for you. From investments to banking and lending services to trusts, your Financial Advisor can help meet unique needs on both sides of your MORGAN STANLEY

13 BEHIND YOUR FINANCIAL ADVISOR Vast experience Drawing on many years of experience, Morgan Stanley understands the importance of shaping relationships that reflect client needs, preferences and aspirations. Your Financial Advisor can help you define and meet your goals by delivering the right resources to you in the way that is most appropriate for how you invest and what you want to achieve. 1 Financial Advisor MANAGING PERSONAL WEALTH TO INSTITUTIONAL STANDARDS. Our vast global firm serves many of the world s most sophisticated and demanding institutional investors. As an individual investor at Morgan Stanley, you ll benefit from the market insight, global presence, risk management resources and analytical rigor that drive our institutional relationships. You will experience the highest standards of client service and responsiveness, enhanced by the personal attention and commitment of your Financial Advisor. THE KNOWLEDGE TO GET IT DONE. As the nation s leading manager of personal wealth, we understand that there are almost as many approaches to managing wealth as there are portfolios to invest. 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 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. At the same time, we invest in innovative tools that help simplify your financial life on a day-to-day basis. 100 alternative investment strategies 1,000 investment products 25 manager research professionals As of June 30, capital markets professionals and Citi 4,100 global companies tracked 25 global investment committee members balance sheet. Clients who are part of our Reserved program also enjoy around-the-clock service and exclusive seminars devoted to the needs of high net worth clients. THE VALUE OF A LEARNING CULTURE. The firm s Financial Advisors are among the most experienced and capable in the industry many have advanced degrees and professional certifications and designations. Morgan Stanley makes a sizeable investment in the training and professional development of each Financial Advisor. Our continuing education programs are designed to equip Financial Advisors with new skills and perspectives. We want every client to reap the benefits of the culture of excellence of our firm. Our 16,934 Financial Advisors represent an extensive knowledge base built on diverse skills, experience and professional interests. We make this collective knowledge available to every client by facilitating advisor collaboration, encouraging an environment where Financial Advisors can share asset allocation approaches, highly focused strategies, and specific investment ideas to unusual or particularly sophisticated client needs. Away from the office, our Financial Advisors volunteer their time and leadership skills to thousands of local organizations. They are at the forefront ofthefirm scommitmentto giveback generously to the communities where our clients live and work. SPECIAL RESOURCES FOR FAMILIES WITH EXCEPTIONAL REQUIREMENTS. Successful families with substantial assets typically have complex needs and require highly integrated capabilities. Family Wealth Advisors focus on the intricacies of multigenerational wealth transfer, family ownership structures, complex tax reporting, succession planning and family governance. Our clients work with professionals who have extensive experience addressing both the financial issues andpersonaldynamicsofamerica s wealthiest families. Please read important disclosures on the back cover of this brochure 11/12 CRC569933

14 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. 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. Morgan Stanley Smith Barney LLC ( Morgan Stanley ), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. This material was not intended or written to be used, and it cannot 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. 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