The Majauskas-Jene Group at Morgan Stanley. Guiding your family through life s financial moves

Transcription

1 The Majauskas-Jene Group at Morgan Stanley Guiding your family through life s financial moves

2 PAUL B. MAJAUSKAS, CIMA Executive Director Financial Advisor Senior Investment Management Consultant WILLIAM B. JENE, CIMA Senior Vice President Financial Advisor Senior Investment Management Consultant Since 1986, we have worked toward earning the trust and confidence of our clients. We aim to show you how we have earned it. We welcome the opportunity to assist you and your family. OUR VISION We help a select group of families grow, protect, and pass along their wealth, using moral integrity as our guide. OUR MISSION Our highest mission is assisting families in achieving their multi-generational financial goals. We provide you with financial structure along with ongoing evaluation and stewardship. We want you to consider us your Senior Advisors the advisors you go to first for financial guidance and advice. 2 THE MAJAUSKAS-JENE GROUP AT MORGAN STANLEY

3 OUR COMMITMENT TO YOU Focus on long-term relationships Together, we build long-term relationships built on trust, confidence, and in-depth conversation. We provide personalized products and services that reach beyond any single transaction. Putting your interests first Our paramount objective is to help you achieve your financial goals. Creative service The Majauskas-Jene Group designs detailed personalized reports and schedules regular reviews so that you can objectively evaluate and understand your portfolio. We use Morgan Stanley s global resources and tools to help us design, implement, and monitor your wealth management strategies. Respect and courtesy Most importantly, we offer integrity. Your trust represents the cornerstone of our business. Expect nothing less than respectful, courteous, world-class service from our team. Quick response to inquiries We promise quick, balanced, and effective responses to all your financial and administrative questions and concerns. 3 MORGAN STANLEY THE MAJAUSKAS-JENE GROUP AT MORGAN STANLEY 3

4 WHAT WE DO: LIFE TRANSITIONS PLANNING FOR EDUCATION FUNDING Giving a child a college education is undoubtedly one of the most worthwhile investments a parent or grandparent can make. By creating detailed analyses of current savings and projected costs, The Majauskas-Jene Group has helped keep many families on track to meet college funding goals. MARRIAGE & DIVORCE A marriage involves joining finances, budgets, priorities, and goals. Unfortunately, divorce is an ever-present reality in today s society and requires tailored re-design of portfolios to uniquely meet the goals of separated partners. We devote time and attention to make the union or division of two lives goals go as smoothly as possible. CAREER TRANSITIONS Changing jobs or careers can lead to relocation, a new home, altered spending habits, and financial and emotional adjustments. Reevaluation of a longterm financial plan is a requirement for investors during these times. Our group can help you review your plans and make objective recommendations to lay a solid foundation for your future. 4 THE MAJAUSKAS-JENE GROUP AT MORGAN STANLEY

5 SALE OF A BUSINESS Building a company requires massive amounts of time, hard work, and money. Without critical decision-making, liquidity events put these hardearned gains at risk. The Majauskas-Jene Group has been part of professionally focused teams assisting our clientele in a business sale. We have led and coordinated trusted advisors in maximizing the situation and easing the owner s transition into another phase of life. RETIREMENT Careful planning and saving in the years before retirement may help ensure a smooth transition from employee to retiree. We help organize and manage retirement decisionmaking options, helping retirees make the most optimal financial decisions. WEALTH TRANSFER The death of a loved one is an emotional and trying time. Estate preservation, financial planning, and wealth transfer may not be the primary issues on clients minds in a time of grief. Our team has assisted many with the needed details, advice, and focus when grieving is high. By helping many clients assist their aging parents with the family s multigenerational goals, we strive to lessen the emotions of losing loved ones. 5 MORGAN STANLEY THE MAJAUSKAS-JENE GROUP AT MORGAN STANLEY 5

6 WEALTH MANAGEMENT SERVICES The Majauskas-Jene Group uses Morgan Stanley s world-class resources to combine personalized investment and wealth management services with tailored in-depth financial advice. We utilize a wide range of professional services and resources targeted to the needs of affluent investors. The depth of our offerings allows us to serve as a single point of contact for all aspects of your financial life. And with one team giving across-theboard oversight, you will be assured of optimal efficiency and integration among all financial-plan components. 6 THE MAJAUSKAS-JENE GROUP AT MORGAN STANLEY

7 FAMILY WEALTH MANAGEMENT INVESTMENT CONSULTING Assist with establishing goals Determine risk tolerance and return expectations Determine optimal asset allocation Monitor adherence to policy and investment compliance Conduct manager searches and performance reviews TRUST SERVICES Develop trust strategies Customize estate planning strategies, tax-minimization programs, private investment company structures, and privacy needs ESTATE PRESERVATION, INSURANCE AND RISK MANAGEMENT SERVICES Long-term health care Basic life insurance, to leveraging techniques in trusts Succession and businessrelated issues PHILANTHROPIC SERVICES Fund worthy causes Maintain family involvement Structured plans Administrative assistance FINANCIAL PLANNING Comprehensive financial planning services Net-worth and asset allocation analysis Retirement planning Education savings accounts Liquidity cash flow strategies LENDING SOLUTIONS Security-based loans Tailored loans L ines of credit Commercial real-estate lending BUSINESS WEALTH MANAGEMENT BUSINESS SERVICES Access to capital Letters of credit Exit strategies ESOPs Sales advice GLOBAL INVESTMENT BANKING Underwriting of new-issue stock High -grade or lowgrade corporate debt Personal and financial goals 7 MORGAN STANLEY THE MAJAUSKAS-JENE GROUP AT MORGAN STANLEY 7

8 THE MAJAUSKAS-JENE GROUP AT MORGAN STANLEY CONSULTATIVE PROCESS ENGAGING WITH PROSPECTIVE CLIENTS WORKING WITH US INITIALLY Here is the process you can expect when you become our client: DISCOVERY MEETING Our Discovery process includes quantitatively building a networth statement, qualitatively uncovering family values and goals, and providing details on The Majauskas-Jene Group at Morgan Stanley philosophy. INVESTMENT PLAN MEETING Presentation of Investment Plan where we diagnose your current situation, provide recommendations, and discuss our investment approach. Timeframe: 7 days Timeframe: 14 days 8 THE MAJAUSKAS-JENE GROUP AT MORGAN STANLEY

9 MUTUAL COMMITMENT MEETING Confirmation of commitment, new-accounts organization, and documentation Timeframe: 45 days 45-DAY REVIEW Review of first set of statements, online access, and troubleshooting Timeframe: 90+ days REGULAR PROGRESS MEETINGS Review of progress and implementation of investment plan Timeframe: Ongoing WORKING WITH US OVER TIME Our focus is on preparing you for life s many challenges and helping you deal with the unexpected. WEALTH MANAGEMENT PLAN Our process involves a comprehensive evaluation of the entire range of your financial needs, both investment-related and non-investment-related, and our recommendations for accomplishing your goals. We can serve at the center of your financial relationships, either compiling a team of carefully selected trusted advisors, or working with the advisors you already have, to evaluate your situation, devise appropriate solutions, and stay ahead of future developments. Together, we can prepare you for whatever life has in store for you, so that you can feel confident about your future. 9 MORGAN STANLEY THE MAJAUSKAS-JENE GROUP AT MORGAN STANLEY 9

10 A business relationship with The Majauskas-Jene Group at Morgan Stanley begins with our commitment to always put clients interests first and to grow, preserve, and transfer their wealth. Our focus is on long-term solutions using trust, transparency, and moral integrity as our compass. The Majauskas-Jene Group at Morgan Stanley has been making financial lives better for over 30 years. We welcome the opportunity for conversation regarding your financial goals and desires. The Majauskas-Jene Group at Morgan Stanley 2211 York Road, Suite 100 Oakbrook, IL / main / toll-free / fax fa.morganstanley.com/themajauskas-jenegroup Asset Allocation does not assure a profit or protect against loss in declining financial markets. Life insurance, disability income insurance, and long-term care insurance are offered through Morgan Stanley Smith Barney LLC s licensed insurance agency affiliates. Morgan Stanley Smith Barney LLC offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please visit us at or consult with your Financial Advisor to understand these differences. Morgan Stanley Smith Barney LLC ( Morgan Stanley ), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters. Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee. Tailored Lending is a loan/line of credit product offered by Morgan Stanley Private Bank, National Association, an affiliate of Morgan Stanley Smith Barney LLC. A Tailored Lending credit facility may be a committed or demand loan/line of credit. All Tailored Lending loans/lines of credit are subject to the underwriting standards and independent approval of Morgan Stanley Private Bank, National Association. Tailored Lending loans/lines of credit may not be available in all locations. Rates, terms, and programs are subject to change without notice. Other restrictions may apply. The information contained herein should not be construed as a commitment to lend. Morgan Stanley Private Bank, National Association is a Member FDIC that is primarily regulated by the Office of the Comptroller of the Currency. The proceeds from a Tailored Lending loan/line of credit (including draws and other advances) may not be used to purchase, trade, or carry margin stock; repay margin debt that was used to purchase, trade, or carry margin stock; and cannot be deposited into a Morgan Stanley Smith Barney LLC or other brokerage account. Important Risk Information for Securities Based Lending: Borrowing against securities may not be suitable for everyone. You should be aware that there are risks associated with a securities based loan, including possible margin calls on short notice, and that market conditions can magnify any potential for loss. You need to understand that: (1) Sufficient collateral must be maintained to support your loan(s) and to take future advances; (2) You may have to deposit additional cash or eligible securities on short notice; (3) Some or all of your securities may be sold without prior notice in order to maintain account equity at required maintenance levels. You will not be entitled to choose the securities that will be sold. These actions may interrupt your long-term investment strategy and may result in adverse tax consequences or in additional fees being assessed; (4) Morgan Stanley Bank, N.A., Morgan Stanley Private Bank, National Association or Morgan Stanley Smith Barney LLC (collectively referred to as Morgan Stanley ) reserves the right not to fund any advance request due to insufficient collateral or for any other reason except for any portion of a securities based loan that is identified as a committed facility; (5) Morgan Stanley reserves the right to increase your collateral maintenance requirements at any time without notice; and (6) Morgan Stanley reserves the right to call securities based loans at any time and for any reason. 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 Morgan Stanley Smith Barney LLC. Member SIPC. 10 THE MAJAUSKAS-JENE GROUP AT MORGAN STANLEY