The Schneiderman Group at Morgan Stanley. Financial Planning Portfolio Management Retirement Planning

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1 The Schneiderman Group at Morgan Stanley Financial Planning Portfolio Management Retirement Planning

2 490 East Palmetto Park Road Boca Raton, FL / toll-free / main / fax schneiderman_group@morganstanley.com

3 The Schneiderman Group at Morgan Stanley Building Your Future, Preserving Your Wealth As your portfolio has grown, so too has its complexity and the resources needed to manage it. As Financial Advisors, we have the knowledge, experience and commitment necessary to manage your investments on an ongoing, fully discretionary basis, providing you with objective advice on critical financial matters. Everyone s financial path takes a different road. A new venture is launched. A child enters college. A succession plan is needed for a family-held business. Life s journey can bring adventures as well as complexities that require sophisticated strategies. Having someone on your side, a financial advisor who understands your needs and can lead you along your financial journey, can help maximize your personal opportunities. Objective financial advice is the cornerstone of how we work with clients. An ongoing discussion about your wealth management needs yields a clearer picture of your goals. We help simplify your financial landscape, walking you through complex decisions. Together, we ll tailor a solution that utilizes the full capabilities of Morgan Stanley s Portfolio Management Group program. With an experienced guiding hand, you can create a financial legacy for you and the next generation. It s your future we re building not just your money. Let us help you navigate the noise and distractions that can derail your focus, keeping you centered on what s most important progress toward your goals. The Schneiderman Group 3

4 Committed to You As seasoned financial professionals, Len and Jean focus on preserving wealth for clients and their future generations. Working predominantly with high net worth families, the two focus on the financial legacy their clients have achieved. They use their extensive experience and knowledge in financial areas that matter most to our clients, putting them to use for long-term objectives. These include asset management, retirement planning, portfolio management, estate and tax planning strategies, concentrated stock risk management, access to banking and lending services and most importantly, lifestyle preservation. Len and Jean s primary aim is to develop strategies to sustain a lifestyle clients envision for their future. The team builds recommendations seeking to achieve optimal long-term outcomes, in turn developing relationships with clients that deepen over time. 4 Morgan Stanley

5 Meet the Professionals Len Schneiderman Senior Vice President Portfolio Manager Investment Management Consultant Financial Planning Specialist Financial Advisor With more than 30 years in financial services, Len Schneiderman walks each client through their own financial picture determining their personal goals and helps customize a path to attain their objectives. As a portfolio manager and partner of The Schneiderman Group at Morgan Stanley, he seeks ways to alleviate his clients concerns by guiding their accounts on a discretionary basis. Building and fostering relationships with his high net worth clients and families are at the core of his practice. Whether a client is considering a fastmoving business venture, or assessing income needs for their retirement plans, he tailors solutions to each client s particular timeline. Len is a devoted athlete, enjoying skiing, golf, scubadiving and hiking, while also running daily with the couple s three Border Collies. Married 33 years, Len and Jean live in Boca Raton, Fla., where they raised their two grown children, Derek and Gabrielle. leonard.schneiderman@morganstanley.com Jean Schneiderman Senior Vice President Portfolio Management Director, Investment Management Consultant Financial Planning Specialist Financial Advisor Jean Schneiderman finds her work with high net worth clients more rewarding every year, particularly when guiding multigenerational families along their financial path. As partner of The Schneiderman Group at Morgan Stanley, Jean encourages clients to reach out whenever they need. No matter is too small, from a child s tuition bill, to a proposal for a new philanthropic endeavor. She is always at their side. With more than 26 years in financial services, Jean aims to uncover what makes each client s journey unique, and the individual path to follow. Through discretionary management, Jean is able to effectively adjust portfolios and guide assets to benefit her clients. An avid runner, Jean loves to be outside hiking and skiing on weekends, when not creating awareness for the Christopher Reeve Foundation in her spare time. She is rarely without a book in her hand, reading novels to titles that explore the financial markets. She and Len spend their time between Boca Raton, Fla., and Vail Valley, Colo., with their three Border Collies who often accompany Jean on her daily runs. jean.schneiderman@morganstanley.com

6 Derek Schneiderman Registered Associate Vickie Bartholomew Wealth Management Associate Gerard M. Olsen, CRPS, CRPC Consulting Group Analyst Derek Schneiderman s primary responsibilities for The Schneiderman Group involve conducting research and analysis of investment models in the Portfolio Management platform as well as analyzing client portfolios. Derek holds his Series 7 and 66 certifications. Derek earned a Bachelor of Science degree in finance from the Leeds School of Business at the University of Colorado, Boulder. Today, Derek is committed to supporting the Christopher Reeves Foundation by participating in various fundraising events. Dedicated to health and fitness, Derek has been a motivational speaker on both topics. derek.schneiderman@morganstanley.com Vickie Bartholomew is a Wealth Management Associate with The Schneiderman Group. She assists financial advisors in all phases of financial services while promoting client satisfaction by responding in a timely manner to their clients requests. Vickie outlines potential client strategies based on product and policy updates/enhancements, creates service plans for the team, independently improves and streamlines the service models and helps cultivate client relationships. Working in the financial industry since 1989, Vickie has experience in all aspects of the business. Vickie holds Series 7, 8 and 66 certifications, and is Life, Health and Annuity licensed. Born and raised in Colorado, she moved to South Florida in 1993, where she met her husband Dennis. They have one child, Sean. Vickie enjoys playing volleyball, running half marathons and obstacle races and spending time with her family. vickie.bartholomew@morganstanley.com Gerry helps develop customized financial plans and asset allocation proposals, as well as tailoring performance reports for clients, as the Consulting Group Analyst with The Schneiderman Group at Morgan Stanley. He also is responsible for technical policy and standards, presentation materials and performance measurement for technically advanced accounts. Gerry is a graduate of State University of New York at Buffalo with a B.A. in political science. He holds Series 7, 66 and 31 certifications, and is Life, Health and Annuity licensed. Gerry holds credentials through The College for Financial Planning as a Chartered Retirement Plan Specialist SM and a Chartered Retirement Planning Counselor. SM Though a New York native, Gerry has lived in South Florida since He and his wife, Gail, have two children, Kirsten and Gordon. gerard.olsen@morganstanley.com Morgan Stanley

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8 How We Work With You Our Doors Are Always Open The Schneiderman Group at Morgan Stanley is a comprehensive wealth management practice headquartered in Boca Raton, Fla. We strive to be our clients core advisors by delivering advice in a comprehensive and thoughtful manner, focusing on all facets of portfolio management. We collaborate with clients passionate about working towards their goals. Close ties with other specialists distinguishes our strategic approach, by bringing in professionals with experience from multigenerational wealth transfers to philanthropic plans. We start by accessing Morgan Stanley s vast resources to complement solutions addressing the unique needs of high net worth individuals and their families. A multilayered approach targets solutions for long-term outcomes. Honed Research We assess your objectives along with your needs, whether that includes income building options or capital preservation. We want to understand your values, to help build a foundation to achieve your dreams. Tailored Approach As Portfolio Managers, we help build customized portfolios and institutional solutions for our clients, tailored to their specific investment objectives. By integrating our own portfolio management with institutionally credible investment managers, we can help build a diversified asset allocation approach for you. We also draw on the full capabilities of Morgan Stanley s Portfolio Management program to address your needs. Strategic Allocations Asset allocation alternatives are derived from extensive research and analytics with the objective of reducing risks, both full market cycle risks and event risks. The strategic allocations move away from traditional US-centric equity portfolios and towards more global equity portfolios. The allocations also provide for the inclusion of alternative investments, such as absolute return strategies and private equity. Clear Communication Remaining in constant contact allows the team to adjust solutions so that goals remain on track. We encourage clients to reach out whenever they need clarification. Plans can change as our lives move forward. Clarity into your situation helps us match your objectives to timely strategies. 8 Morgan Stanley

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10 Your Life and Your Legacy Whatever your goals income, borrowing, risk management, charitable giving, just to name a few designing a holistic wealth management plan is our top priority. Drawing on our own insight, as well as Morgan Stanley s global research and experienced financial specialists, we are able to make informed recommendations and propose a flexible plan that is uniquely yours. retirement planning Lifestyle review Risk review Pension and/or Social Security benefits analysis Retirement account assessment Retirement income plan Beneficiary review Health care/medicare planning 10 Morgan Stanley

11 Comprehensive Wealth Management Services investment services and personal investing business succession planning Asset allocation advice Investment advisory programs Capital markets services Traditional brokerage executive compensation management Business needs review Cash management and capital needs assessment Business valuation Succession plan documents Succession plan funding estate planning* family needs planning Financial planning Education planning Special needs child assessment and planning Planning for support of aging parents Concentrated stock services (monetizing, hedging) Rule 10b5-1 trading plans Stock option strategies Restricted securities (liquidation and risk management alternatives) Assist in estate and financial planning (particular to executive compensation management) * access to banking and lending services Review of wills, durable power of attorney (POA) for health care/poa living will and trusts Gifting Charitable giving Asset titling Estate tax funding Family dynamics/ family meeting * Team will help assist with both in-house and outside advisors. CRC# /12

12 Defining Your Goals It starts with listening. We ask questions regarding your needs and dreams, risk tolerance, 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 meeting Getting to know you; exploring significance investment plan and investment policy statement Diagnostic of current situation, our recommendations for moving forward and details on our investing approach 12 Morgan Stanley

13 Designing Your Plan Through Mutual Commitment investment plan meeting mutual commitment meeting 45-day follow-up meeting regular review meetings Presentation of investment plan Reassessing commitment and setting future expectations Organization of account paperwork Review of performance and implementation of wealth management plan the wealth management plan Comprehensive evaluation of the entire range of your financial needs with our recommendations for moving forward the wealth management network wealth management network meeting Team of carefully selected professionals, each with a high level of knowledge and skill in key financial areas Our team of specialists applies its skills to evaluate all aspects of your financial situation and devise appropriate recommendations The Schneiderman CRC# Group /12 13

14 A Commitment to Individuals, Not Just Markets The Portfolio Management program gives you direct access to investment professionals responsible for managing your hard-earned wealth. As life-changing events happen or you simply seek additional wealth management guidance The Schneiderman Group is available when you need us, prepared to address your financial and personal concerns. Whether you are saving for a grandchild s education, planning for your own retirement or preserving your estate for your heirs, conversations with us can ensure that we can adjust your portfolio as circumstances in your life require. Our doors are always open. Regular performance reporting on your portfolio management account helps ensure that you understand your portfolio s short- and long-term results, the details of your financial landscape, and the many factors that contribute to them. All clients receive periodic reporting from us, which includes detailed analysis of contributions, withdrawals, portfolio appreciation, income distributions, performance charts and benchmark comparisons. We are committed to providing the tools you need to reach for your goals. 14 Morgan Stanley

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16 $1.8 Trillion client assets 6.6 Million client accounts 16,321 financial advisors 1,200 global locations CEO and senior management team with deep wealth management experience Nearly 80years of experience One of the World s Strongest Investment Organizations Stands Behind Your Financial Advisor 1 1 All information for Morgan Stanley as of Q2 2013, unless otherwise stated. 2 Information for Morgan Stanley as of Q Information for Morgan Stanley Wealth Management as of Q

17 Investment insight without limits Who offers some of the best investment thinking from around the world? Morgan Stanley provides comprehensive coverage of every major market and asset class, as well as investment research from some of the most respected analysts. Our culture values lively debate and an open exchange of ideas as the basis for distinctive, sophisticated strategies. Intellectual capital, global perspective. As a client, you have access 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 help to inform the decisions of clients across Morgan Stanley. With Morgan Stanley, Financial Advisors have access to the work of research analysts who cover key geographic and economic sectors, as well as 3,000 companies. This research is directly available to our Wealth Management clients, as are the market insights, research and analytic views of fixed income and equity sales. Sophisticated strategies, rigorous risk management. The Global Investment Committee is an especially valuable resource to you and your Financial Advisor. The committee creates model portfolios based on rigorous statistical techniques which guide both institutional and individual investors and reflect a range of time horizons, risk profiles and wealth levels. Also, the committee makes tactical suggestions based on a comprehensive analysis of the investment landscape. It is all done with an eye on achieving the most efficient balance of risk and return to help maximize the likelihood of meeting your objectives. A premier trading and execution platform. Morgan Stanley is one of the only wealth management firms with a standalone, principal-driven capital markets platform dedicated to the needs of individual investors and Financial Advisors. Our 175 capital markets professionals are an experienced, highly responsive and knowledgeable resource available to you. A broad offering of investment choices. You also have access to a variety of mutual funds, including a group of funds that is vetted and continuously monitored by the Consulting Group s team of manager research analysts and investment professionals. These specialists are responsible for an open architecture platform that includes more than 1,000 investment vehicles and strategies a broader offering than that of any other investment firm. You have the flexibility to choose any of these vehicles, with guidance from a Financial Advisor focused solely on your best interests. Please read important disclosures on the back cover of this brochure CRC CS /14 17

18 Recognition Len Schneiderman Jean Schneiderman Century Club Morgan Stanley Master s Club Morgan Stanley Chairman s Council Smith Barney Chairman s Council Smith Barney 18 Morgan Stanley

19 Start the Conversation You want strategies to maintain a standard of living you deserve, while preserving your wealth for future generations. Those goals are our goals. We aim to provide solutions suited to your specialized needs, through a combination of understanding and resources, seeking to ensure you benefit from the highest levels of service. Free your time to pursue your financial dreams, and reach for new ambitions. Let us guide you along your financial journey.

20 Asset Allocation and Diversification does not guarantee a profit or protect against a loss in a declining financial market. The individuals mentioned as the Portfolio Management Team are Financial Advisors with Morgan Stanley participating in the Morgan Stanley Portfolio Management program. The Portfolio Management program is an investment advisory program in which the client s Financial Advisor invests the client s assets on a discretionary basis in a range of securities. The Portfolio Management program is described in the applicable Morgan Stanley ADV Part 2, available at or from your Financial Advisor. Past performance of any security is not a guarantee of future performance. There is no guarantee that this investment strategy will work under all market conditions. 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. 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. This material was not intended or written to be used, and it cannot be used, for the purpose of avoiding tax penalties that may be imposed on the taxpayer. 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. Member SIPC. CS /14