Stephen P. Giulietti, CFP, CIMA

Transcription

1 Stephen P. Giulietti, CFP, CIMA Senior Investment Consultant First Vice President Wealth Advisor Large-Ind m2

2 Stephen P. Giulietti, CFP, CIMA Senior Investment Consultant First Vice President Wealth Advisor 53 State Street 39th Floor, Boston, Massachusetts / Main / Toll-Free / fax fa.smithbarney.com/giulietti stephen.p.giulietti@mssb.com Choosing a wealth advisor is a very important decision it is most successful when you can identify the characteristics that will create a good fit for you. I believe people already know what they would like to achieve. They are looking for someone to pose the right questions, identify and own the key issues, propose potential solutions, and execute a plan that works to reduce risk, cut cost, and/or enhance return. My clients are business owners, executives, and other select families. They value a high level of proficiency, trustworthiness, integrity, decisiveness, and interaction. They welcome my ability to actively listen and present thoroughly-analyzed choices that address their needs and values in simple, straightforward terms. They appreciate my discretion, proactiveness, and highly personalized attention. Accordingly, I limit the size of my practice to allow for collaboration with each client in a way that reflects their preferences and leads to the development of meaningful relationships. The extraordinary quality of my service has often turned my clientele into friends, and from friends into extended family. Stephen P. Giulietti, CFP, CIMA Large-Ind m Large-Ind m2

3 My Background Stephen P. Giulietti, CFP, CIMA Senior Investment Consultant First Vice President Wealth Advisor At the outset of 2000, Stephen joined Salomon Smith Barney, a precursor to the current Morgan Stanley Smith Barney. He provides wealth management and retirement plan consulting services, which takes a comprehensive approach to develop and implement investment, liability, and risk management strategies to help his clients build and preserve wealth that can be passed on to future generations. Since joining the firm, and in addition to his numerous accolades and achievements, he has obtained the Certified Financial Planner (CFP ) designation after meeting specific ethical requirements and successfully completing a rigorous examination administered by the Certified Financial Planner Board of Standards. Furthermore, he also earned the Certified Investment Management Analyst (CIMA ) degree after extensive graduate-level coursework and examination at The Wharton School of Business of The University of Pennsylvania. Prior to joining Morgan Stanley Smith Barney, he was a turnaround consultant for Buccino & Associates, Inc., a New York-based business strategic revitalization firm. Stephen graduated Saint Michael s College with a Bachelors of Science in Business Administration and Economics, summa cum laude. He invests personal time into his community through involvement as a board member for both The Discovery Museums and as a project committee member of Connecticut Children s Medical Center. Moreover, Stephen maintains a deep connection to his clients and community through affiliations with organizations such as Investment Management Consultants Association (IMCA ), Business Networking International (BNI), Boston College Club, and the Saint Michael s College Alumni Association. Stephen was born and raised in Avon, CT and currently resides in Acton, MA. He is the eldest of three children. He and his wife, Susan, who he met in the second grade, have been blessed with their daughter, Sophia. He enjoys golf and skiing. Licenses, Certifications, and Notable Achievements Certified Financial Planner (CFP ) designation Certified Investment Management Analyst (CIMA ) designation Senior Investment Management Consultant designation Financial Planning Specialist designation Series 7: General Securities Representative Series 31: Futures Managed Funds Series 63: Uniform Securities Agent Series 65: Uniform Investment Advisory Agent Insurances: Life, Accident & Health Licenses Stephen p. Giulietti, CFp, CiMA Large-Ind m Large-Ind m2

4 Creating Your Wealth Plan Charting a prudent course to financial independence requires a well-conceived, personalized financial plan with defined long-term goals that reflect the totality of your personal and financial life. My consultative wealth advisory process was developed to help generate that plan. Its key steps are designed to produce a broad, adaptive, and cohesive plan for your financial future. Step 1: Setting your financial objectives I 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 together about you, your values, lifestyle, concerns, and passions. Step 2: Developing your wealth management strategy I will analyze your personal and financial information, assess risks, and identify potential threats to your financial health. I will then present you with a comprehensive plan to address your income and cash flow needs, borrowing requirements, asset protection, retirement planning, wealth transfer, and/or philanthropy goals. Step 3: Implementing your strategy After you have approved your wealth plan, I will work closely with you to implement it, bringing an objective approach, and paying special attention to how the various parts of your plan can affect, enhance, and integrate with each other. Wherever appropriate, I will suggest seeking additional, in-depth advice on particularly complex issues we have identified, including family dynamics, estate planning, lending, tax planning strategies, and more. Whatever approach we decide to pursue, I will help you keep your investments on track. Step 4: Reviewing objectives and performance I view ongoing communication as the foundation of my successful collaboration with you. I will make every effort to keep abreast of your changing financial needs and provide viable strategies to help you meet them. This includes reviewing your portfolio together when prudent. When your circumstances change, I will work with you to revise your strategy and reposition your assets and liabilities to reflect your new needs and goals. 6 MorGAn StAnley SMith BArney Large-Ind m Large-Ind m2

5 Wealth Management Resources Structuring and planning Solutions and Strategies 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. I am ready to help you with your goals by combining my 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. I 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 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 me 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 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, I can help you develop and implement a strategy based on your vision of retirement. Traditional IRAs Roth IRAs IRA rollovers Roth conversions 401(k) Plans Profit Sharing Plans Defined Benefit Plans Nonqualified Deferred Compensation Plans Building a unique legacy Estate planning typically brings together the dimensions of life: personal, family, financial, and charitable. By collaborating with your tax and legal counsel, I will work with you to understand the connections between your life and legacy goals to help you develop a strategy to appropriately position your portfolio. 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. I can help you access appropriate investment vehicles from 529 plans to 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. I 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, I can examine your alternatives in light of both business and personal objectives. And, should circumstance require it, I can access the banking services of Morgan Stanley Smith Barney. Lending Services Cash management Retirement plans Strategic consulting and transactions Succession planning Insurance 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 family s financial security even perform important functions in a business succession or estate plan. I 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. I 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 8 MorGAn StAnley SMith BArney Large-Ind m Large-Ind m2

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. 10 MorGAn StAnley SMith BArney Morgan Stanley SMith Barney Large-Ind m Large-Ind m2

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 Large-Ind m Large-Ind m2

8 Recognition Licenses, Certifications, and Notable Achievements - Certified Financial Planner (CFP ) designation - Certified Investment Management Analyst (CIMA ) designation - Senior Investment Management Consultant designation - Financial Planning Specialist designation - Series 7: General Securities Representative - Series 31: Futures Managed Funds - Series 63: Uniform Securities Agent - Series 65: Uniform Investment Advisory Agent - Insurances: Life, Accident & Health Licenses 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 Large-Ind m Large-Ind m2

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. 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. The investments 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. Tax laws are complex and subject to change. 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. Individuals are urged to consult their personal tax or legal advisors to understand the tax and related consequences of any actions or investments described herein. Life insurance, disability income insurance, and long-term care insurance are offered through Morgan Stanley Smith Barney s licensed insurance agency affiliates. Asset allocation and diversification do not guarantee a profit or protect against loss Morgan Stanley Smith Barney LLC. Member SIPC / Large-Ind m2