The Hoffmann-Easom-Lannan Retirement Planning Group at Morgan Stanley

Transcription

1 4 SERVICES 7 PLANNING 8 TEAM The Hoffmann-Easom-Lannan Retirement Planning Group at Morgan Stanley We help you move from what you do to what you love

2 227 West Monroe Street Suite 3400 Chicago, IL / MAIN / TOLL- F REE / FA X hoffmanneasomlannan@morganstanley.com B MORGA N S TA N LE Y

3 READY. SET. RETIRE. Retirement can be one of life s greatest moments, providing you with opportunities for personal growth and even the possibility of adventure. But getting from where you are today to where you want to be tomorrow is a complex financial task. For perhaps the first time in your life, your focus won t be on acquiring more wealth but on distributing to yourself what you ve already acquired. Your task is to turn your life s savings into a steady income stream to potentially last a lifetime. It will involve multiple interrelated decisions on investments, taxes, estate planning, insurance, Social Security and more. Whether your financial situation is straightforward or unusually complex, it s important to get those decisions right the first time. That s where the Hoffmann-Easom-Lannan Retirement Planning Group at Morgan Stanley can help. Since 1989, we have focused exclusively on retirement transition planning. In that time, we have helped thousands of people like you make the move to a satisfying retirement. THE HOFFMANN-EASOM-LANNAN RETIREMENT PLANNING GROUP 1

4 RETIREMENT PLANNING IS ALL WE DO While many financial advisors provide retirement planning services, we at the Hoffmann-Easom-Lannan Retirement Planning Group at Morgan Stanley are among the very few who do it exclusively. With more than $2 billion under advisement, we are one of the largest and most experienced retirement-planning groups in the United States. Because we have helped so many people through their retirement transitions, there are few, if any, situations we have not yet encountered in some form. Specialized knowledge Both novice and highly experienced investors may lack the time, inclination or expertise to stay on top of ever-changing retirement regulations and tax laws particularly when the consequences for making the wrong investment decisions can be irreversible. Working together We work with clients of all levels of financial sophistication. Everyone s needs are different, but what all our clients have in common is the desire to maximize their future opportunities by working with specialists who understand the nuances of the retirement transition process. 2 MORGAN STANLEY

5 Company stock in your 401(k) that has appreciated over the years can be treated differently when it s distributed at retirement. By understanding this strategy called net unrealized appreciation you can potentially minimize your taxes on the employer-stock portion of your retirement funds. Dan Hoffmann, CFP Financial Advisor THE HOFFMANN-EASOM-LANNAN RETIREMENT PLANNING GROUP 3

6 AN INTEGRATED APPROACH Preparing for retirement can seem overwhelming at times, in part because there are so many choices to make. Our job is to try to make your financial and life transitions as simple and efficient as possible, so you can enjoy the years ahead. Our process simultaneously addresses all of the retirement planning areas you will undoubtedly face: 4 MORGAN STANLEY

7 Asset Management Social Security Planning Estate Planning Long Term Care Planning Cash Management and Lending Solutions Tax Management Ongoing Education Because our retirement planning process considers each of these important items in tandem, we develop an integrated approach to your wealth that hopes to maximize your ability to achieve your future goals. THE HOFFMANN-EASOM-LANNAN RETIREMENT PLANNING GROUP 5

8 In many cases, you can start taking penalty-free distributions from your current employer s 401(k) upon retirement at age 55 not 59½ as is often thought. We can explain the exceptions and help you implement the most appropriate withdrawal strategy. David Whitacre, CFP Financial Advisor 6 MORGAN STANLEY

9 BUILDING YOUR PLAN, TOGETHER To succeed in any project, preparation is crucial. And that s exactly what makes your initial retirement plan so integral to your transition to the next phase of your life. In fact, the initial review meeting may be the single most important step in the entire Hoffmann-Easom-Lannan retirement planning process. It sets the stage for all of your future decisions and creates the foundation that we will build on together. Discovering your needs It s critical for us, together, to truly understand your story so that we can see the best and smoothest way to approach your retirement. The more accurate information you can provide us from the outset, the better the leadership and guidance we can provide you. A complete picture Once we have finished this review, we will have accomplished three basic things together: First, we will have a comprehensive inventory of your assets, obligations and sources of income. Second, we will have gleaned an understanding of other related issues, like your travel or relocation plans, family needs, estate-planning goals, and lifestyle expectations. It is important to be able to visualize together what you want your retirement to look like. Third, and perhaps most important, we will be able to determine how to match the formidable global investment resources of Morgan Stanley with your retirement plans and goals. Because of our group s organized structure and client focus, you ll always get the personal attention you deserve, coupled with the intellectual and financial resources of a company known and respected around the world. THE HOFFMANN-EASOM-LANNAN RETIREMENT PLANNING GROUP 7

10 A DEDICATED TEAM The Hoffmann-Easom-Lannan Retirement Planning Group at Morgan Stanley is notable for its continuity. Our roots date to 1989, and our advisors and professional staff have worked together for years to create successful retirement plans for our clients. Among the advisors in our group, we bring to bear over 127 years * of combined experience and background in the financial services industry. In that time, we have helped many people achieve their goals the true measure of our success. 8 MORGAN STANLEY *Number of years of service William Easom 30 years; Sean Lannan 18 years; Dan Hoffmann 17 years; Anthony Severino 12 years; David Whitacre 29 years; Michael Haynes 10 years; Erin Leland 11 years

11 As you think about what you want out of your retirement, plan to save enough for a long life. For couples who are both age 65 today, at least one spouse can be expected to live to age 92. In other words, your retirement could last almost as long as your career. Source: Annuity 2000 Mortality Table, Society of Actuaries. Figures assume good health. Sean Lannan Financial Advisor THE HOFFMANN-EASOM-LANNAN RETIREMENT PLANNING GROUP 9

12 INDEPENDENT RECOGNITION The professionals of the Hoffmann-Easom-Lannan team have received multiple national accolades: Our advisors have also received multiple accreditations: Certified Financial Planner TM Chartered Retirement Planning Counselor SM 10 MORGAN STANLEY

13 WORLD-CLASS RESOURCES FROM MORGAN STANLEY The Hoffmann-Easom-Lannan Retirement Planning Group is backed by the vast global resources of Morgan Stanley, one of the world s largest financial institutions with more than $2 trillion in assets under management. 1 Over the past 75 years, Morgan Stanley has supported its clients with firsthand knowledge of world markets through its presence at the center of the global economy. The firm expanded its institutional-level capabilities to successful individuals and their families three decades ago, since earning the trust of generations of sophisticated clients. The powerful combination of our team s outstanding personal service and Morgan Stanley s money management platform and financial resources seeks to give you a premier advisory experience, with the specialized services and solutions needed to meet your complex requirements. 1 As of 05/15 THE HOFFMANN-EASOM-LANNAN RETIREMENT PLANNING GROUP 11

14 YOUR FUTURE STARTS NOW We appreciate the opportunity to help you make the transition to the exciting next chapter of your life. As we plan together, our allegiance will always be to you and your best interests. We will never underestimate our awesome responsibility to you and your family, as you become part of ours. For more information about us or to discuss your individual situation, please call or us. We look forward to getting to know you and your family and to helping you with this exciting transition in your life. The Hoffmann-Easom-Lannan Retirement Planning Group at Morgan Stanley 227 West Monroe Street, Suite 3400 Chicago, Illinois (p) (tf) (f) MORGAN STANLEY

15 T H E HOF F M A N N - E A SOM - L A N N A N RE T I REM EN T PL A N N I NG GROU P 13

16 1 Source: Barron s Top 1,200 Advisors, February 24, 2014, as identified by Barron s magazine, using quantitative and qualitative criteria and selected from a pool of over 4,000 nominations. Advisors in the Top 1,200 Financial Advisors have a minimum of seven years of financial services experience. Qualitative factors include, but are not limited to, compliance record and philanthropic work. Investment performance is not a criterion. The rating may not be representative of any one client s experience and is not indicative of the financial advisor s future performance. Neither Morgan Stanley Smith Barney LLC nor its Financial Advisors or Private Wealth Advisors pays a fee to Barron s in exchange for the rating. Barron s is a registered trademark of Dow Jones & Company, L.P. All rights reserved. Awarded to William Easom and Sean Lannan. 2 Source: The Financial Times Top 400 Financial Advisors is an independent listing produced by the Financial Times (March, 2014). The FT 400 is based in large part on data gathered from and verified by broker-dealer home offices, and, as identified by the FT, reflected each advisor s performance in six primary areas, including assets under management, asset growth, compliance record, experience, credentials and accessibility. The rating may not be representative of any one client s experience and is not indicative of the Financial Advisor s future performance. Neither Morgan Stanley Smith Barney LLC nor its Financial Advisors or Private Wealth Advisors pays a fee to The Financial Times in exchange for the rating. Awarded to William Easom. 3 On Wall Street s Top 40 Under 40 asks brokerage firms to nominate their top young brokers. Of those nominated, On Wall Street bases its rankings on quantitative and qualitative criteria. Financial Advisors are ranked by their annual trailing-12 month production (as of Sept 30, 2014), The rating is not indicative of the advisor s future performance. Neither Morgan Stanley Smith Barney LLC nor its financial advisors pay a fee to On Wall Street in exchange for the rating. Awarded to Dan Hoffmann and Sean Lannan. 4 Source: Registered Representative s Top 100 Wirehouse Advisors in America, September 2010, bases its rankings exclusively on the quantitative criteria of assets under management. This year s list of Top 100 Wirehouse Advisors in America was created by Discovery Database, an online database of financial service intermediaries published by the Financial Information Group of Shrewsburry, N.J. Nominations by Financial Advisors were accepted. The ranking is not indicative of the Financial Advisor s future performance. Morgan Stanley Smith Barney LLC does not pay a fee to Registered Representative in exchange for the ranking. Awarded to William Easom. 5 Five Star Professional, as a third party research firm, identified pre-qualified award candidates based on industry data and contacted all identified broker dealers, Registered Investment Advisor firms and FINRA-registered representatives to gather wealth manager nominations. Self-nominations are not accepted. Award candidates are then evaluated against 10 objective eligibility and evaluation criteria associated with wealth managers who must have a minimum of five years experience as an investment adviser representative or other accepted credentials, client retention rates, client assets administered, firm review and a favorable regulatory and complaint history as defined by Five Star. Five Star Professional determines the final list of Five Star Wealth Manager Award winners. The Award does not evaluate the quality of services furnished to clients and it is possible that the recipient may have received unfavorable ratings from those surveyed. Five Star Professional collected the information for this Award through surveys it conducted. Wealth managers and/or their firms do not pay a fee to be considered or placed on the final list of Five Star Wealth Managers. The Five Star award is not indicative of the wealth manager s future performance. Wealth managers may or may not use discretion in their practice and therefore may not manage their clients assets. The inclusion of a wealth manager on the list should not be construed as an endorsement of the wealth manager by Five Star Professional. Working with a Five Star Wealth Manager or any wealth manager is no guarantee as to future investment success, nor is there any guarantee that the selected wealth managers will be awarded this accomplishment by Five Star Professional in the future. For more information on the Five Star award and the research/selection methodology, go to fivestarprofessional.com. Awarded to William Easom. 6 Source: Barron s America s Top 100 Financial Advisors, April 18, Barron s is a registered trademark of Dow Jones & Company, L.P. All rights reserved. Barron s America s Top 100 Financial Advisors bases its rankings on qualitative criteria: professionals with a minimum of seven years financial services experience, acceptable compliance records, client retention reports, customer satisfaction, and more. Financial Advisors are quantitatively ranked based on varying types of revenues and assets advised by the financial professional, with weightings associated for each. Because individual client portfolio performance varies and is typically unaudited, this ranking focuses on customer satisfaction and quality of advice. For more information on ranking methodology, go to com/report/top-financial-advisors or contact Barron s Associate Editor, Matt Barthel, at matthew.barthel@barrons.com. The rating may not be representative of any one client s experience because it reflects a sample of all of the experiences of the Financial Advisor s clients. The rating is not indicative of the Financial Advisor s future performance. Neither Morgan Stanley Smith Barney LLC nor any of their Financial Advisors pay a fee to Barron s in exchange for the rating. Awarded to William Easom. Tax laws are complex and subject to change. M organ Stanley Smith Barney LL C ( Morgan Stanley ), its affiliates and M organ Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice and are not fiduciaries (under ER ISA, the Internal Revenue Code or otherwise) with respect to the services or activities described herein except as otherwise agreed to in writing by M organ Stanley. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a retirement plan or account, and (b) regarding any potential tax, ER ISA and related consequences of any investments made under such plan or account. Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services. Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED MAY LOSE VALUE NOT BANK GUARANTEED NOT A BANK DEPOSIT NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY William Easom NMLS#: Dan Hoffmann NMLS#: Sean Lannan NMLS#: Anthony Severino NMLS#: Michael Haynes NMLS#: David Whitacre NMLS#: Erin Haley NMLS#: William Kramer NMLS#: Kenneth Robson NMLS#: Morgan Stanley Smith Barney LLC. Member SIPC. CRC# /17