The Bordonaro - Hannah Group at Morgan Stanley. Wealth Management personalized for you

Transcription

1 The Bordonaro - Hannah Group at Morgan Stanley Wealth Management personalized for you

2 8300 NORMAN CENTER DR STE 1150 BLOOMINGTON, MN / MAIN / TOLL-FREE / FAX

3 The Bordonaro - Hannah Group at Morgan Stanley We believe that wealth management goes beyond traditional investment strategies. We see it as encompassing your entire investment and financial life with your team of Financial Advisors involved every step of the way. At Morgan Stanley, we strive to help pursue goals in light of each investor s needs and circumstances. To this end, we concentrate on developing long-term relationships through a commitment to quality client service and an ongoing dialogue, including periodic portfolio reviews and performance analyses. THE BORDONARO - HANNAH GROUP 3

4 Meet the Professionals Our team is committed to establishing meaningful relationships with our clients and delivering a first class client experience. We work hard to establish an open and honest dialog with clients to understand their financial goals and aspirations. Our clients place a significant amount of trust in us when they seek our advice. This is not a responsibility we take lightly. We are committed to providing thorough analysis of each individual's needs, then establishing a disciplined investment strategy that is clearly communicated to our clients on a regular basis. We place a high value on living a balanced life and having a positive impact on our community. 4 MORGAN STANLEY

5 Paul J. Bordonaro Portfolio Management Director Senior Vice President Financial Advisor As the team s senior advisor, Paul brings the knowledge and experience that comes with a 38-year career as a Financial Advisor. He firmly believes in building long-term relationships and delivering exceptional client service. As a seasoned professional, Paul knows what it takes to navigate individuals and families through various market conditions. An attorney by education, Paul has a unique perspective when it comes to complex planning and cooperating with attorneys, accountants and other professionals. He is a life-long resident of Edina, MN with his wife, Jan. They have three adult daughters and recently became grandparents. Robert J. Hannah, CFP Senior Portfolio Manager Associate Vice President Financial Advisor Bob has more than 12 years of experience as a Financial Advisor. He began his career with Piper Jaffray where he joined Paul and Carol. Bob earned a B.A. in Business Administration from the University of St. Thomas in St. Paul, MN. As a Certified Financial Planner (CFP ) certificant, Bob uses this background and knowledge when developing cash flow analyses, retirement and education planning strategies for clients. He enjoys the relationships he has developed with clients over the years, along with the more analytical components of his career. Bob and his wife, Emmy, stay active raising their twin boys, biking, running and traveling. Carol J. Brundieck Portfolio Associate Senior Registered Associate Carol has more than 13 years of experience in the financial services industry. Her primary role is providing exceptional support for clients. With a broad knowledge of the industry and deep understanding of operations at Morgan Stanley, she is able to anticipate clients needs and promptly address inquiries. Carol plays a central role on the team by managing the operations and enhancing efficiency for the entire team. Carol and her husband, Lane, along with their two children live in South St. Paul. THE BORDONARO - HANNAH GROUP 5

6 Working With Us Personal relationships start with a conversation We believe any positive relationship begins with a conversation. When you become our client, our first priority is getting to know you and your family. The cornerstone of our relationship will always be open and honest dialogue so we can understand your vision for the future. Our clients feel good about working with us, in part, because we take the time to get to know them. Working together over the years, we have developed rapport, mutual respect, and often friendships with our clients. Our clients place a significant amount of trust in us when they seek our advice. This is not a responsibility we take lightly. Our approach is a simple one; we align our experienced team members with the powerful resources at Morgan Stanley Smith Barney to help you plan for life s most important milestones. We begin by asking questions and listening carefully to your answers. The result is a positive working relationship with an advisor you can trust. 6 MORGAN STANLEY

7

8 A disciplined approach to comprehensive planning In-depth planning is at the core of the work we do. Our team is dedicated to helping you organize and simplify your financial life, so you can gain the confidence that comes with having a clear understanding of all the components of your wealth. Our approach is comprehensive and disciplined. We apply a well-ordered process of planning, establishing an asset allocation, implementing an investment strategy, and performing timely reviews. Our goal is to keep you informed and focused so you never lose sight of your priorities, even in difficult markets. Wealth management with the Bordonaro Hannah Group looks beyond just the assets in your portfolio. We look at your life, and aim to address all aspects of your financial life, including banking, lending, insurance, philanthropy, estate planning, and taxes. Global resources focused on you Morgan Stanley Smith Barney is powerfully positioned to provide the global capabilities and extensive resources we need to manage your wealth. Clients stay with us through the years because they feel confident that we have the skills to deal with any challenge they might encounter in their financial lives. As the financial industry evolves, so do we. Our entire team understands frequent communication and a high level of customer service are central to providing an exceptional client experience. We work hard every day to serve our clients and sustain their trust. 8 MORGAN STANLEY

9

10 Our Investment Process How We Do It Our investment approach is a disciplined one. We do not maintain margin accounts, sell short, or try to time the market. We concentrate our holdings in well-known stocks, funds, high grade bonds and cash equivalents. We seek acceptable market returns with lower volatility and believe it is more important to protect assets in bear markets than to outperform in bull markets. In our approach, loss of capital is more regrettable than loss of opportunity. We take a top-down view to money management. We analyze broad perspectives of the economy, social and political developments, interest rates, etc. and try to identify those market sectors which we believe provide the greatest opportunity for growth without taking undue risk. We then select the best positioned companies in those sectors we find most attractive and use broad diversification in our asset allocation. Typical Clients Investors seeking reasonable rates of return without undue risk to their capital. These include Individuals & Families Retirees & Persons Approaching Retirement Physicians & Executives Attorneys & Accountants Advice you can trust starts with a conversation. 10 MORGAN STANLEY

11

12 We Work to Understand the Full Scope of Your Financial Picture It starts with listening. We ask questions regarding your needs and dreams, your tolerance for risk, your time horizon and then listen. It s an ongoing process through which we strive to know all we can about you, your family, your business (if applicable) and your short- and long-term goals. This period of discovery helps us make informed recommendations and design a flexible wealth management plan that is uniquely yours Discovery process Identify your goals, values, dreams, special concerns/challenges 2 Develop investment strategy Determine risk tolerance Analyze current investment portfolio Develop asset allocation strategy Portfolio construction 12 MORGAN STANLEY

13 The Client Experience Investment strategy meeting In-person meeting to present recommended investment strategy 5 Follow-up meeting In-person meeting to discuss: First statements Organization of paperwork Set up online account access (and review online resources) Develop schedule for 7 Wealth management plan meeting In-person meeting to present comprehensive wealth management strategies 9 Ongoing monitoring of investment strategy and wealth management plan Develop schedule for review meetings future review meetings Schedule wealth management plan meeting 4 Execution of investment strategy Open new accounts Transfer existing assets Conduct trades to execute agreed-upon investment strategy 6 Develop comprehensive wealth management plan Financial planning Retirement planning Access to banking and lending services Education planning Business succession planning Charitable giving Family dynamics Estate planning management Plan meeting 8 Execute wealth management plan Ongoing execution of wealth management strategies 10 Re-evaluate investment strategy based on changes to goals, objectives and/or expectations Adjust investment portfolio and/or wealth management plan in light of any changes CRC# /2014

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

15

16 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