The BlueStone Wealth Management Group at Morgan Stanley
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- Augusta Benson
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1 The BlueStone Wealth Management Group at Morgan Stanley
2 450 Lexington Avenue 40th Floor, New York, New York / Main / Toll-Free / fax
3 The BlueStone Wealth Management Group at Morgan Stanley The BlueStone Wealth Management Group at Morgan Stanley is a fourteen person Wealth Management group in New York City overseeing $1.3 billion in assets as of January 1, We utilize the vast resources of a world-class financial powerhouse to help meet the complex, and often unique, needs of families with wealth. The bluestone wealth management Group 3
4 Meet the Partners Paul Azzaretto Senior Vice President Financial Advisor Investment Management Consultant Family Wealth Director Dennis Cutrone Senior Vice President Financial Advisor Executive Financial Services Director Family Wealth Director George Spiropoulos, CFP, CIMA Senior Vice President Financial Advisor Professional Alliance Group Director Family Wealth Director BlueStone Group Senior Partner Paul is responsible for the fixed income strategies of the team. He focuses on trading and risk control for both the municipal and taxable fixed income markets. He is experienced in working with institutions, publicly traded companies, foundations, endowments, townships and high net worth individuals. He started his career at PaineWebber (now UBS) as a Fixed Income Trader over two decades ago. In 1998, he transitioned to Wealth Management, consulting clients on asset allocation strategies and advising on a broad array of investment disciplines. In 2006, Paul joined Morgan Stanley and thereafter founded The BlueStone Group at Morgan Stanley along with Financial Advisors Dennis Cutrone and George Spiropoulos. He has since earned his designation as a Family Wealth Director, a title bestowed upon only 2% of the advisors at the firm. Paul has a Bachelor s of Science in Business Economics from (SUNY Oneonta) and resides in Westfield, NJ with his wife Alexis. He spends most of his time attending his daughter Kaela s gymnastics meets, managing his son Kyle s hockey team and cheering his youngest son Kolby on at his soccer games. BlueStone Group Senior Partner Dennis is a Senior Portfolio Manager and primarily manages and oversees the equity Portfolio Management accounts through Morgan Stanley s Portfolio Management Group platform. He has been at Morgan Stanley for over ten years and is a Financial Planning Specialist as well as an Executive Financial Services Director-enabling Dennis to consult high level executives on regulations governing control, restricted securities transactions and wealth management. In addition, Dennis is a Family Wealth Director, a title that less than 2% of Financial Advisors at Morgan Stanley hold. Designated Family Wealth Directors must demonstrate professional knowledge and experience in a range of specialties including estate planning, traditional and alternative investments, control and restricted securities, lending, hedging and monetization, and business succession planning. Dennis resides in Lloyd Harbor, NY. He is a member of the Estate Planning Council of New York City, Inc. and is currently working towards his MBA from the NYU Stern School of Business (Expected 2014). BlueStone Group Senior Partner As a Certified Financial Planner, George focuses on financial planning and asset management for our high-net-worth clients. He works closely with clients, their attorneys, accountants and other advisors to help develop customized wealth management strategies that focus on a wide variety of disciplines, including cash and investment management, fixed income, lending and insurance. As one of 7 Directors of Morgan Stanley s Professional Alliance Group, he has partnered with many centers of influence to offer customized wealth management strategies to high-net-worth clients through Morgan Stanley s professional alliance platform. George and his wife Deirdre currently reside in Fair Haven, NJ with their three children, Rosie, Timothy and Julianne. George currently serves on the board of trustees for the SUNY College of Optometry and the Morgan Stanley Executive Business Owners Council. His interests include travel, cooking and community service. 4 Morgan Stanley
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6 Meet the Advisors Raymond A. Abbatepaolo Vice President Financial Advisor Financial Planning Specialist Lloyd Goldfarb First Vice President Financial Advisor Dick Bernard Vice President Financial Advisor Portfolio Manager Financial Planning Specialist Financial Advisor since 1993 Series 7 & 63 Licensed Insurance Licensed BBA George Washington University Master s Degree, NYU, with honors Financial Advisor since 1997 Series 7 & 63 Licensed Insurance Licensed Registered since 1965 With the firm since Morgan Stanley
7 Mel Lewis Vice President Financial Advisor Portfolio Manager Financial Advisor since 1983 Series 7 & 63 Licensed Insurance Licensed
8 Meet the Staff Louise R. Fuchs Relationship Manager Kristina M. Ackerman Registered Marketing Associate Neal S. Brown Registered Client Service Associate Honors include President s Council and 20-Year Service Award Focuses on Fixed Income Investments Series 7 & 63 Licensed Insurance Licensed BS Long Island University / C.W. Post Team Syndicate Coordinator Responsible for the development and implementation of marketing strategies Assists Financial Advisors and Clients with administrative and operational support Series 7 & 66 Licensed Portfolio Management Associate BA Hobart College Responsible for day-to-day business operations Series 7 & 66 Licensed 8 Morgan Stanley
9 Jennifer N. Rabara Registered Client Service Associate Jackie Zapata Registered Client Service Associate Ornella Solomon Assistant Vice President Registered Marketing Associate Financial Planning Associate BA University of Albany Responsible for day-today business operations Assists Financial Advisors and Clients with administrative and operational support Series 7 & 63 Licensed BA Tufts University Assists Financial Advisors and Clients with administrative support Assists with overall flow of day-to-day operations Series 7 & 66 Licensed Series 7 & 63 Licensed With the firm since 1988 The bluestone wealth management Group 9
10 A Consultative Process Charting a prudent course to financial independence requires a well-conceived, personalized financial plan with defined, long-term goals. Our consultative wealth advisory process was developed to help generate that plan. Its key steps are designed to result in a broad, cohesive plan for your financial future. 1 We 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 about you, your values, lifestyle, your worries and what you are passionate about. 10 Morgan Stanley
11 Discover Review 4 We will review your portfolio together at your request. And when your circumstances change, we will work with you to revise your strategy and reposition your assets to reflect your new needs and goals. Plan Analyze 2 We will analyze your personal and financial information, assess risks, and identify potential threats to your financial health. Then we will present you with a comprehensive plan to address your income and cash flow needs, borrowing requirements, asset protection, retirement planning, wealth transfer and philanthropy goals. 3 Our objective approach to implementing your plan will pay special attention to how its various aspects can affect, enhance and integrate with each other. When appropriate, we will suggest seeking additional, in-depth advice on particularly complex planning, financial and family issues we have identified.
12 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. We are ready to help you meet your goals, by combining our insight into your needs with the resources of Morgan Stanley. 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. We 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 us 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
13 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, we can help you develop and implement a strategy based on your vision of retirement. IRAs: Traditional Roth IRA rollovers Roth conversions Building a unique legacy Estate planning typically brings together the dimensions of life: personal, family, financial and charitable. We will work with you to understand the connections between your life and legacy goals, and work with your accountant and attorney to help you develop a strategy to position your portfolio appropriately. 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. We can help you access appropriate investment vehicles 529 plans and 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. We 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, we can examine your alternatives in light of both business and personal objectives. And, should circumstance require it, we can use the access to banking services of Morgan Stanley. Credit facilities 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 your family s financial security even perform important functions in a business succession or estate plan. We 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. We 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 The bluestone wealth management Group 13
14 Financial Advisors have access to top-flight research from both Morgan Stanley and Citi, and to the center for investment ExcEllEncE, a proprietary source of market research and actionable investment ideas. Morgan Stanley Wealth Management is the only firm that has a sales and trading business dedicated exclusively to serving the needs of our wealth management clients. Morgan Stanley Wealth Management has the most comprehensive manager due-diligence team in the industry. 4,100 global companies tracked independent capital markets professionals 25 manager research professionals investment products For suitable investors, a team of dedicated research analysts track 100 unique strategies strategies implemented by the most sought-after fund managers. One of the World s Strongest Investment Organizations Stands Behind Your Financial Advisor Information as of 06/30/2012 unless otherwise indicated 14 Morga n S ta n le y Global Investment Committee members 210 1,000 alternative investment dedicated research analysts
15 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. Investors who choose Morgan Stanley 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. knowledge of financial opportunities and the potential risks. This combination positions us to help develop, structure and execute strategies for your most important financial needs, from accumulating wealth to investing for income, from creating retirement reserves to devising a distribution approach that meets your lifestyle and legacy goals. investment insight without limits. As a client, you have access a profound understanding of wealth management needs Business Strategies Charitable Pursuits Education Funding Estate Planning Integrated Planning Investment Management Liquidity Retirement Risk Management vast ExpEriEncE. Drawing on many years of experience, Morgan Stanley understands the importance of shaping relationships that reflect client needs, preferences and aspirations. 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 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. The team is currently supported by the work of research analysts at two of the world s largest investment banks, Morgan Stanley and Citi, who cover key geographic and economic sectors, as well as 4,100 companies. You also benefit from a premier trading and execution platform. Think of our 210 capital markets professionals as experienced, highly responsive and knowledgeable partners. performance that seeks to meet your measure. Among the most im- portant skills of our Financial Advisors is the ability to listen: to understand your financial needs and then align Please read important disclosures on the back cover of this brochure the resources to help 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, and assist you in developing and executing a strategy that is precisely your own and help deliver results that meet your needs. Your Financial Advisor is your advocate within our firm, an intelligent editor who selects and aligns the many capabilities of Morgan Stanley for you, delivering the right resources to you in the way that is most appropriate for how you invest and what you want to achieve. a strong, steady force in a changing industry CEO and senior team with deep wealth management experience 130 years of combined experience 800 global locations 16,934 Financial Advisors 6.8 million client accounts $1.7 trillion client assets T h e b lu es ton e w e a lt h m a n agem 10/ 2012 en tcrc Grou p 7 15
16 Asset Allocation does not guarantee a profit or protect against a loss in a declining financial market. 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. Tax laws are complex and subject to change. Morgan Stanley, 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 Morgan Stanley Smith Barney LLC. Member SIPC. CS /13
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