Consulting Group Advisor Investing on Your Own Terms. Not on Your Own.

Transcription

1 Consulting Group Advisor Investing on Your Own Terms. Not on Your Own. A

2 B In today s complex markets, the advice of a trusted investment professional can be key to reaching your financial goals. At the same time, you may prefer to maintain a measure of control over the decisions that impact your financial future. That s what Consulting Group Advisor is all about. Based on your short- and long-term objectives for financial security, regular income and appreciation potential, your Morgan Stanley Financial Advisor will help make sure your choices are right for you. Your decisions can be informed by our investment management experience.

3 2 The Power of One / p2 / You make the investment decisions; we help make sure they are the right ones for you. Building Your Portfolio / p5 / At the heart of our services is a disciplined, four-step process one that begins and ends with you. 5 Holistic Wealth Management Strategy / p6 / At your request, your Financial Advisor will be happy to meet with your team of other financial experts for example, your accountant or trust-and-estate attorney so that you benefit from a comprehensive perspective on your financial standing. 6 1

4 unity / the power of one The Power of One Your Financial Advisor will be a knowledgeable and accessible source of advice, helping you choose your assets, monitor their performance and evaluate the suitability of your portfolio to meet your needs. At your request, your Financial Advisor will be happy to meet with your team of other financial experts for example, your accountant or trust-and-estate attorney so that you benefit from a comprehensive perspective on your financial standing. ONE ACCOUNT The Consulting Group Advisor program can include a variety of investments within a single, integrated account: an efficient strategy for achieving the diversification you want while consolidating your assets in one portfolio. ONE INVESTMENT PLAN Your Financial Advisor provides comprehensive guidance, including an investment plan that can include assets held outside Morgan Stanley. We ll help you select investments based on a holistic wealth strategy. This strategy focuses not only on allocation and security selection, but also serves as a financial blueprint designed to generate the money you need to meet your goals. ONE asset based FEE One asset based fee covers a full range of investment services, including commissions charged by Morgan Stanley.* *Please see important disclosures at the end of this document. 2

5 Unity MECH JOB INFORMATION / PROJ. NO.: JOB NAME: MSSB RB E1146 Consulting Group Advisor Brochure 3 TRIM SIZE: FINISHED SIZE: BLEED: BINDERY: DESCRIPTION: CREATIVE SERVICES 180 Varick Street, 3rd Floor New York, NY pages plus cover PAPER: CLIENT NAME: PROJECT MGR.: Stacy Pineda COST CENTER: m1 FILENAME: DUE DATE: MM/DD/YYYY E Consulting Group Advisor Brochure_m1.indd PRINTING: COLORS: SPECIFICATIONS 8.5" 5.5" NOTES 8.5" 5.5" 0.125" Score, Fold, Saddle Stitch Cover: 80 lb Creator Gloss Cover; Inside: 80 lb Creator Dull igen Digital Printing MODIFIED BY PMT Chennai APPROVAL CMYK, 2767, 292, 7462 LAST MODIFIED: August 8, :12 PM

6 4 Guidance MECH JOB INFORMATION / PROJ. NO.: JOB NAME: MSSB RB E1146 Consulting Group Advisor Brochure TRIM SIZE: FINISHED SIZE: BLEED: BINDERY: DESCRIPTION: CREATIVE SERVICES 180 Varick Street, 3rd Floor New York, NY pages plus cover PAPER: CLIENT NAME: PROJECT MGR.: Stacy Pineda COST CENTER: m1 FILENAME: DUE DATE: MM/DD/YYYY E Consulting Group Advisor Brochure_m1.indd PRINTING: COLORS: SPECIFICATIONS 8.5" 5.5" NOTES 8.5" 5.5" 0.125" Score, Fold, Saddle Stitch Cover: 80 lb Creator Gloss Cover; Inside: 80 lb Creator Dull igen Digital Printing MODIFIED BY PMT Chennai APPROVAL CMYK, 2767, 292, 7462 LAST MODIFIED: August 8, :12 PM

7 guidance / building your portfolio Building Your Portfolio You want to set realistic financial objectives and develop an appropriate investment strategy, but with so many options available in today s complicated markets, developing a customized investment plan can be daunting and time-consuming. That s where the value of partnering with a Financial Advisor at Morgan Stanley becomes apparent. Your dedicated Financial Advisor will take the time to develop an investment strategy tailored to your specific needs taking into account your complete financial picture. 1 Set your financial 2 Define an asset 3 Select 4 Ongoing review objectives allocation strategy Investments process Following an in-depth consultation, your Financial Advisor can help you develop an investment policy based on your goals, time horizon and risk tolerance. Based on your investment policy, your Financial Advisor can recommend an asset allocation strategy designed to provide proper diversification. Your Financial Advisor works with you to help determine the investments best suited to meet your investment goals and allocation strategy. Your Financial Advisor consults with you to determine whether short- or long-term changes are needed in your asset allocation strategy. 5

8 PersonaliZed / holistic wealth MAnAgeMent Holistic Wealth Management Strategy Looking at the bigger picture is vital to creating an effective and strategic investment plan. That s why your Financial Advisor may consider all of your assets including those held at other firms. In every case, though, the key is recognizing that investment choices are only as good as their ability to meet your financial needs. Those needs are typically wide-ranging, and may involve gifting, legacy building, education funding, retirement planning, philanthropy, restricted stock, the sale of a private business, luxury spending and many other possibilities. Addressing those needs going beyond targeting financial securities to targeting financial security is the heart of our approach to wealth planning. And because every investor defines security differently, an investment plan needs to be tailored to the investor s risk appetite, time horizon, wealth and goals. Your investment plan should be designed to ensure that your wealth works for you. one asset Based fee MaKes it simple. Our unified fee encompasses a full range of investment services that we believe are the basis of a true partnership; our goal is your financial success.* 6

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10 8 Start your investment advisory relationship today by partnering with a Financial Advisor at Morgan Stanley, who can design a strategic investment plan that s right for you. Invest in what you want, when you want but with our knowledge of the markets and securities as the wind at your back. Invest on your own terms, not on your own. To learn more about how Consulting Group Advisor can add our experience to your independent investment spirit, speak to your Morgan Stanley Financial Advisor.

11 The Fee does not cover (1) the cost of investment management fees and other expenses charged by Funds, (2) markups, markdowns, and dealer spreads that we or other broker-dealers may receive when acting as principal in certain transactions, (3) brokerage commissions or other charges resulting from transactions not effected through us or our affiliates, (4) any MSSB account establishment, maintenance or termination fees for Plans, which are set forth in the respective Plan account and fee documentation (which may change from time to time), or (5) certain costs or charges imposed by third parties, including odd-lot differentials, transfer taxes, exchange fees, and fees or taxes required by law. In addition, the Fee does not include charges associated with the use of certain cash management services, such as check writing and ATM / Debit card services. Investing in stocks entails the risk of market volatility. The value of all types of stocks may increase or decrease over varying time periods. Bonds are subject to interest rate risk. When interest rates rise bond prices fall; generally the longer a bond s maturity, the more sensitive it is to this risk. Bonds may also be subject to call risk, which allows the issuer to retain the right to redeem the debt, fully or partially, before the scheduled maturity date. Proceeds from sales prior to maturity may be more or less than originally invested due to changes in market conditions or changes in the credit quality of the issuer. Diversification does not ensure against loss. C

12 D 2012 Morgan Stanley Smith Barney LLC. Member SIPC. Consulting Group is a business of Morgan Stanley Smith Barney LLC / PS-2181 CS105