When preparing for the future, all you can control is how well you have planned

Transcription

1 When preparing for the future, all you can control is how well you have planned Thomas G. Foley Senior Vice President Financial Advisor Keith W. Hier Financial Planning Specialist Financial Advisor Brett M. Carver Registered Marketing Associate 2010 Morgan Stanley Smith Barney LLC Member SIPC California Street, Suite 400 Omaha, Nebraska 68154

2 Our Mission Our practice is focused on seeking to provide successful families, corporate executives, and business owners with personalized financial planning and wealth management strategies. Our team of experienced Financial Advisors and Staff helps provide value to our clients as we work towards meeting their life goals. We approach our business as we approach our lives; with honesty, effort and a strong sense of family. We take a holistic approach considering your entire financial picture to be more than just a collection of its parts - while recognizing the interdependence of those parts. We add value to our clients through lifestyle planning, liabilities management, risk management and investment management. When striving to achieve client goals, we focus more on process than short term performance. With patience, discipline and the right process, we believe that performance can come. We also feel that our collective experience both, in the financial markets and life, can help make a difference in your life.

3 Who We Serve Wealthy Families, Business Owners and Corporate Executives Tom Tom & Keith Keith Brett Liquid Net Worth $1,000,000 plus $500,000 plus $100,000 plus $100,000 plus

4 What We Do & How We Do It We concentrate on financial planning, risk management and managed money. We take a businessman's approach towards investing - looking not just at potential returns, but also the risk you take to achieve those returns. We pay particular attention to taxes and inflation, potentially two of your biggest threats to creating and building wealth. We begin the investment process by listening and gathering all necessary information to clearly identify your investment goals. We believe that financial goals can be achieved by concentrating on high quality investments, utilizing a defined portfolio structure and taking a long term approach to the capital markets. Historically, this philosophy - while considered to be conservative - has proven to be most effective. The combination of our teams vast scope of experience, educational background and disciplined investment approach, together with the immense resources and intellect of Morgan Stanley Smith Barney, give our clients several advantages when creating and executing an wealth management plan to help them meet their long term goals. Like the many before you, you too would be well advised to sit down and spend a few hours with our team for the opportunity to change your financial future.

5 Our Investment Philosophy General Bonds Equity Focus on purchasing power as this is the one of the primary ways you can truly monitor your financial well being. Purchasing power is returns less taxes and inflation. Capital preservation is the cornerstone of any good investment plan. We use on-going strategies versus one time transactions. With bonds you are a lender. Only lend to those people who can pay you back. We focus on U.S. Treasuries, Government Agency s, CDs and Tax Free Municipal bonds. Be a direct owner of bonds and save on fees In our opinion you should limit your ownership of bond mutual funds and other fixed income trading products that can subject you to a loss of principal. Do not trade bonds hold your bonds until maturity. Be broadly diversified. Have exposure to the world economies and America s emerging growth companies. Time is the critical issue for stocks. The longer you have, the better chance you have to succeed. Focus on quality, quality, quality over time we believe you will not regret owning high quality stocks. There is a difference between value and price. Valuations count if you watch what you pay you can help reduce your risks.

6 Values Based Planning A comprehensive approach to wealth management strategies

7 Areas of Focus Comprehensive Planning Retirement Education Insurance Analysis Liability Review Wealth Transfer Philanthropy Strategy Development and Risk Management Hedging & Monetization of Concentrated Stock Positions Portfolio Analysis, Construction and Asset Allocation Executive Financial Services Business Retirement Plans

8 Family Wealth Management Life Plan Financial Independence Retirement Planning Liability Issues Family Planning Estate Planning Lending Needs Financial Goals Financial Goals Savings Goals Financial Plan Establish/Review Retirement Plans 401(k) Beneficiaries IRAs Goal Protection Life Insurance Review Corporate vs. Personal College Planning Child and Grandchild 529 Plans Custodial Accounts Education IRAs Wills Health Care POA Living Will Durable POA Tailored Lending High Net Worth Personal Lending High Net Worth Business Lending Investment Management Manager Selection, Review and Oversight Social Security Benefit Commencement Decision Income Protection Disability Insurance Child Living Expenses Special Needs Trusts Living Trust Credit Shelter Special Needs Generation Skipping Residence Trust Home Loans CitiMortgage Citi Home Equity Citigroup Priv. Bank Flexible Equity Lending Asset Allocation Stocks Bonds Cash Risk Tolerance Risk Management Healthcare Medigap Insurance Long Term Care Liability Insurance Asset Protections Umbrella Coverage Long Term Care Parents Healthcare Living Expenses Housing Heirs Beneficiary Planning Annual Gifting Estate Transfer Transfer on Death Asset Titling Securities-Based Lending Express CreditLine Control & Restricted Stock Lending (EFS) Letters of Credit Portfolio CreditLine Tax Planning Taxable vs. Tax Free Tax Reduction Plan Charitable Giving Charitable Trusts Bequests Donor Advised Funds Legacy Planning Commercial Lending Business Banking Commercial Real Estate Equipment leasing Franchise Finance

9 Financial Hierarchy of Needs Philanthropy Philanthropy & Wealth Wealth Transfer Transfer Wealth Accumulation Education Education Funding Funding Estate Planning Reserve Funds Survivor Planning Protection Income Protection Retirement Planning Estate Planning

10 Roles & Responsibilities Thomas G. Foley Senior Vice President Financial Advisor Utilizing a comprehensive Family Wealth Management approach, Tom is responsible for all planning, risk management and investment strategy. Manages and directs special situations and concentrated stock positions. Oversees money managers and stock selection. Considers every aspect of wealth management during portfolio analysis, construction and re-balancing. He has broad experience and has worked in many of the World s key financial centers including London, Frankfurt, Geneva, Hong Kong, Singapore and New York. Tom is Series 7, 63 and 65 registered. Keith W. Hier Financial Advisor Financial Planning Specialist Originally began working with Tom over eight years ago, he focuses on helping business owners, executives, and their families strategically plan for their future. He takes a comprehensive approach to prudently managing assets and liabilities. He assists with knowledge in several areas including individually managed accounts, qualified retirement plans, lending, and insurance. Keith is Series 7, 63, 65 and Insurance licensed. Brett M. Carver Registered Marketing Associate Focuses on plan analysis, creation and implementation. Available to provide you with immediate support including trade executions. Brett also conducts stock and bond market research as well as money manager performance reviews. Brett is Series 7 and 66 registered.

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12 Contact Information Thomas G. Foley Senior Vice President Financial Advisor Phone: Toll Free: X 6356 thomas.g.foley@mssb.com Keith W. Hier Financial Planning Specialist Financial Advisor Phone: Toll Free: X 6313 keith.hier@mssb.com Morgan Stanley Smith Barney California Street Omaha, NE Fax: Brett M. Carver Registered Marketing Associate Phone: Toll Free: X 6314 brett.carver@mssb.com

13 Morgan Stanley Smith Barney LLC Member SIPC. Disclaimers Express Credit Line is offered through Citigroup Global Markets Inc. Member SIPC. Borrowing against securities may not be suitable for everyone. If the value of the securities should decline below a minimum level, you may be subject to a collateral call without specific advance notice, requiring you to deposit additional cash or securities. If you cannot do so, all or a portion of your collateral could be liquidated, and a potentially taxable event could result. You are not entitled to choose which securities are sold or any extension of time to meet a collateral call. A concentrated portfolio holding a single or a few securities may be subject to greater risk of a collateral call than a diversified portfolio; a diversified portfolio will tend to be less subject to a sharp decline resulting from the negative performance of a single security. Availability, qualifications, and other restrictions may vary by state. Ask your Financial Advisor for details. For clients whose account is carried by Morgan Stanley & Co. Incorporated, Morgan Stanley Smith Barney offers insurance products in conjunction with Morgan Stanley Insurance Services Inc. For clients whose account is carried by Citigroup Global Markets Inc., Morgan Stanley Smith Barney offers insurance products in conjunction with SBHU Life Agency, Inc. Since life insurance and long-term care insurance are medically underwritten, you should not cancel your current policy until your new policy is in force. Your actual premiums may vary from any initial quotation you receive. A change to your current policy may incur charges, fees and costs. A new policy may require a medical exam. Surrender charges may be imposed and the period of time for which the surrender charges apply may increase with a new policy. You should consult with your own tax advisors regarding your potential tax liability on surrenders. Alternative investments often are speculative and include a high degree of risk. Investors could lose all or a substantial amount of their investment. Alternative investments are suitable only for eligible, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time. They may be highly illiquid and can engage in leverage and other speculative practices that may increase the volatility and risk of loss. Funds of funds typically have higher fees than single manager vehicles as they are subject to an additional layer of fees charged by the fund of funds manager. Alternative investments involve complex tax structures, tax inefficient investing and delays in distributing important tax information. Investors should consider the investment objectives, risks, charges and expenses of a fund carefully before investing. 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. International investing may not be suitable for every investor and is subject to additional risks, including currency fluctuations, political factors, withholding, lack of liquidity, the absence of adequate financial information, and exchange control restrictions impacting foreign issuers. These risks may be magnified in emerging markets. Interest in municipal bonds is generally exempt from federal income tax. However, some bonds may be subject to the alternative minimum tax (AMT). Typically, state tax-exemption applies if securities are issued within one s state of residence and, local tax-exemption typically applies if securities are issued within one s city of residence. Bonds are affected by a number of risks, including fluctuations in interest rates, credit risk and prepayment risk. In general, as prevailing interest rates rise, fixed income securities prices will fall. Bonds face credit risk if a decline in an issuer's credit rating, or creditworthiness, causes a bond's price to decline. Finally, bonds can be subject to prepayment risk. When interest rates fall, an issuer may choose to borrow money at a lower interest rate, while paying off its previously issued bonds. As a consequence, underlying bonds will lose the interest payments from the investment and will be forced to reinvest in a market where prevailing interest rates are lower than when the initial investment was made. NOTE: High yield bonds are subject to additional risks such as increased risk of default and greater volatility because of the lower credit quality of the issues. 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 investor s individual circumstances and objectives. The views expressed herein are those of the author and do not necessarily reflect the views of Morgan Stanley Smith Barney or its affiliates. All opinions are subject to change without notice. Neither the information provided nor any opinion expressed constitutes a solicitation for the purchase or sale of any security. Past performance is no guarantee of future results. Home Loans are made by Morgan Stanley Credit Corporation or other affiliated lenders, not Morgan Stanley Smith Barney LLC. The loans referenced herein are made by Morgan Stanley Credit Corporation. A Morgan Stanley Smith Barney investment relationship does not have to be established or maintained to obtain the products or pricing offered as part of the Home Loans program. Proceeds from mortgage loan transactions including initial draws and advances from HELOCs are not permitted to be used to purchase, trade or carry securities or to make payments on any amounts owed under the Note or HELOC loan agreement. These products may not be available in all states and are limited to U.S. citizens and permanent resident aliens only. Residential loans are not available in Guam, Puerto Rico and the Virgin Islands. Loans are subject to credit approval. Other restrictions may apply. Morgan Stanley Credit Corp. underwriting guidelines will apply. Loans are subject to credit application and loan approval. Rates, terms and programs are subject to change without notice. Investment services are offered through Morgan Stanley Smith Barney LLC, member SIPC Morgan Stanley Smith Barney LLC and its Financial Advisors do not provide tax or legal advice. Clients should consult their personal tax advisor for tax-related matters and their attorney for legal matters. Morgan Stanley Smith Barney LLC, 2000 Westchester Ave., Purchase, NY or its advisors are required to maintain the following mortgage broker licenses:. Arizona Mortgage Broker License No ; Licensed by The Department of Corporations under the California Finance Lenders Law (License No. 603H431); Kansas Licensed Mortgage Company No. MC ; Massachusetts Mortgage Broker License No. MB 5439; Montana Mortgage Broker License No. 1769; Licensed by the New Hampshire Banking Department (License No MBR); Licensed by the New Jersey Department of Banking and Insurance (License No ); Registered Mortgage Broker-NYS Banking Department (Registration No. A007331). Mortgage brokers may not make loans Morgan Stanley Smith Barney. Member SIPC.