Taylor/Swaine Team at Morgan Stanley Smith Barney

Transcription

1 Taylor/Swaine Team at Morgan Stanley Smith Barney

2 Taylor/Swaine Team at Morgan Stanley Smith Barney 6735 Crosswinds Drive North Saint Petersburg, Florida / Main / Toll-Free taylorswaineteam@mssb.com Our mission is to understand What s Really Most Important and to help you live the life you envision for yourself and your family. How do you define success? Personalized, Proactive and Professional Attention We believe that you deserve financial advisors who share your vision, earn your trust and work diligently to help you attain the life you desire for you and your family. As we work together towards your goals, we are committed to providing you with professional, proactive and personalized attention. Equally important is our attentiveness to helping you anticipate the changes and challenges that arise in your life. No two investors share the same financial goals, nor should they share the same financial advice. Our clients deserve financial advisors who identify the varied aspects of their financial life and work diligently to uncover possible solutions that are unique and customized. Our belief includes collaboration with our clients professional personal advisors, such as their attorney or accountant; together we can help clients make sure that critical areas dovetail effectively with their lifestyle, overall investment and wealth management strategies. Taylor/Swaine Team 3

3 Meet the Professionals Kennie A. Taylor, CIMA Financial Planning Specialist Vice President Financial Advisor Roger P. Swaine CFP Financial Planning Specialist Vice President Financial Advisor Olivia M. Schulz Registered Associate Left to right: Roger P. Swaine, Olivia M. Schulz, Kennie A. Taylor Professional Details Licensed in the financial industry since 1992 DDS University of Michigan Ann Arbor, MI Certified Investment Management Analyst Wharton School of Business University of Pennsylvania Guided Portfolio Management Certification Financial Planning Specialist Certifications Morgan Stanley Smith Barney* Advisor Certification Series 7 - General Securities Representative Series 63 - Uniform State Exam Series 65 - Investment Advisory Agent Life, Accident, Health, Variable Annuities & Long Term Care Insurance Licensed Kennie A. Taylor is licensed in the following state(s): CA, CT, DC, DE, FL, GA, IA, IL, IN, KS, MA, MD, MI, MN, NC, NE, NH, NJ, NY, OH, OK, PA, TN, TX, VA, VT, WI Professional Details Licensed in the financial industry since 1979 Certified Financial Planner BA - Business Administration University of South Florida Tampa, FL Guided Portfolio Manager Certification Financial Planning Specialist Certification Morgan Stanley Smith Barney* Advisor Certification Exchange Traded Funds Certification Graduate of the Florida Trust School University of Florida Gainesville, FL Series 7 - General Securities Representative Series 63 - Uniform State Exam Series 65 - Investment Advisory Agent Life & Variable Annuities Insurance Licensed Roger P. Swaine, Jr. is licensed in the following state(s): CA, CT, DC, DE, FL, GA, IA, IN, KS, MA, MD, MI, NC, NH, NJ, NY, OH, OK, PA, TN, TX, VA, VT, WI. Professional Details Working in the Financial Industry since 1988 Series 7 since 1998 Series 63 since Morgan Stanley Smith Barney Taylor/Swaine Team 5

4 Our Wealth Advisory Consultative Process We are committed to Advising our clients (rather than merely providing them with information) and making a meaningful difference in their lives. Personalized, Professional and Proactive Attention Charting a prudent course to financial independence requires a well-conceived, customized life and financial plan with defined goals. We suggest that you begin by taking a fresh inventory of what you have, where it is and what it s worth. Our wealth advisory consultative process has key steps that may result in a broad, cohesive plan for the future. Step 1: Discovery We must answer many questions to try to capture what matters most to you and fully understand what you want to accomplish with your wealth. We will talk about you, the kind of lifestyle you enjoy, what worries you and what you are passionate about. Our conversations will also explore your values, key relationships, total assets, preferred manner of communication, as well as the other professional advisors with whom you work. That way, we help you to connect all the facets to help ensure your financial situation dovetails effectively. Step 2: Analysis and Recommendation Based on your feedback, we will analyze your personal and financial information, including liabilities; we will also assess risks and identify potential threats to your financial health. We will present you with a comprehensive plan that can help address your retirement income needs, borrowing, asset protection, wealth transfer, philanthropy and other areas beyond investment management. We will take additional time to review with you all that was discussed, thus helping you to be comfortable with the proposed service providers and investment strategies before implementing your wealth plan. Step 3: Implementation After presenting you with a detailed wealth plan, we work closely with you to implement your plan with an objective approach, paying close special attention to how the various parts of your plan can affect, enhance and integrate with each other. Wherever appropriate, we will enlist added in-depth advice on issues we have identified in the fields, such as family-dynamics, estate planning, lending, tax planning strategies and more. Whatever approach we decide on, we will help you keep your investments on track. Step 4: Monitoring & Reviewing Objectives We find that a customized and flexible review process works well over time as no two people are the same and all of us change our perspective over time. It is our recommendation that we periodically and systematically review your wealth plan with you so we can help you adapt to changes in your life and dovetail your investment strategies to them. Milestones like retirement, marriage, children and grandchildren, buying and selling a home or another business can all have an effect on your plan and how we can help you to meet your objectives. 6 morgan STanley SmiTh Barney

5 For Life s Most Important Goals With an experienced professional 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 insight into your needs with the resources of Morgan Stanley Smith Barney. 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 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 Separately managed accounts 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. Roth conversions 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 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. Taylor/Swaine Team 9

6 Risk Management The ups and downs of the markets is just one kind of risk but so is not protecting my assets and my family. How do I protect what I care about most? Retirement When I retire, it will affect just about everything that matters: my lifestyle, my company, my family. Is there a way to plan for retirement that takes it all into account? Integrated Planning Decisions about both assets and liabilities need to be made in the framework of important life goals. What steps are also the most tax efficient? How can a strategic approach to banking and lending simplify my financial life and maximize the value of what I own? Education Funding Will I be able to pay for a good education for my children and my grandchildren? Liquidity I can predict some expenses, but others I know I can t. How can I plan to have the cash I need? Business Strategies How do I manage my personal wealth with so much tied up in my company? 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. Investment Management I have so many goals and priorities. How can one investment strategy balance them all? You Benefit From a Profound Understanding of the Full Range of Wealth Management Needs Estate Planning Making sure my estate goes to the people and organizations I care about is a priority. How do I transform my assets into a legacy? Charitable Pursuits The charities I support are like extended family. How do I maximize the good I can accomplish? Investors who choose Morgan Stanley Smith Barney 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. The combination of Morgan Stanley and Smith Barney brings together two firms that have demonstrated those values for decades. Firms with a reputation for achieving the objectives of the world s most sophisticated and demanding investors. Firms whose Financial Advisors have earned the trust and achieved the goals of many of the nation s most successful individuals, their families, as well as corporations, foundations and endowments. In melding our two firms, we created an organization that truly exceeds the sum of its parts. Whatever your investment goals, and however you prefer to pursue them, Morgan Stanley Smith Barney offers you more flexibility, more capability, more insight than you are likely to find anywhere else. Morgan Stanley SMith Barney 11

7 choice / global insight and opportunities morgan stanley smith Barney / a Strong pairing a strong, steady force in a changing industry Investment insight without limits Morgan Stanley Smith Barney has meaningful intelligence about every major asset class and a presence in 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. 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 Smith Barney. The team is currently supported by the work of 350 analysts at two of the world s largest investment banks, Morgan Stanley and Citi, who cover key geographic and economic sectors, as well as 3,000 individual equity securities. 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. s ophisticated 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 execution platform. Our ability to execute your investment strategy is second to none. Morgan Stanley Smith Barney 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. Think of our 225 capital markets professionals as experienced, highly responsive and knowledgeable partners. the full spectrum of investment choices. You also have access to a variety of mutual funds, including a group of funds that are vetted and continuously monitored by 40 manager research analysts and investment professionals one of the largest such groups in the industry. These specialists are responsible for an open-architecture platform that includes more than 1,300 investment vehicles and strategies again, a broader offering than that of any other investment firm. You have the flexibility to choose any of these vehicles, with guidance from a Financial Advisor focused solely on your best interests. Unparalleled experience Drawing on many years of experience, Morgan Stanley Smith Barney 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. 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 Smith Barney, 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 solutions for your most important financial needs, from accumulating wealth to investing for income, from solidifying retirement security 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. CEO ,000 7 million $1.5 trillion And senior management team with deep wealth management experience Years of combined experience Global locations Financial Advisors Client accounts Client assets personal / performance one of the world s strongest investment organizations stands Behind your financial advisor Financial Advisors have access to top-flight research from both Morgan Stanley and Citi. Combined, they analyze and track the progress of more than 3,000 companies all over the world. Performance that meets your measure 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, assist you in developing and executing a strategy that is precisely your own and help deliver performance results that meet your needs. When you give your Financial Advisor discretionary responsibility for managing your account, he or she abides by the highest fiduciary standards, putting your interests ahead of the firm s or 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 Smith Barney for you. From investments to credit to banking to trusts, your Financial Advisor can meet unique needs on both sides of your 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 Smith Barney 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 18,000 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 and solutions 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 of the firm s commitment to give back 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 brings together the resources of Morgan Stanley Private Wealth Management and Smith Barney s suite of family office services. This organization focuses 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 and personal dynamics of America s wealthiest families. 12 Morgan Stanley SMith Barney Please read important disclosures on the back cover of this brochure Morgan Stanley SMith Barney 13

8 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 Smith Barney

9 Morgan Stanley Smith Barney 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. Asset allocation and diversification do not guarantee a profit or protect against loss. Morgan Stanley Smith Barney LLC ( Morgan Stanley Smith Barney ) is a registered broker-dealer, not a bank. Where appropriate, Morgan Stanley Smith Barney 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 Smith Barney, member SIPC, 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. Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Smith Barney 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. Member SIPC /11