The Rockport Group at Morgan Stanley SUMMER 2017

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1 The Rockport Group at Morgan Stanley SUMMER 2017 NEWSLETTER OUR TEAM John P Jackson, CWS, CIMA Senior Portfolio Management Director Senior Vice President Wealth Advisor john.jackson@morganstanley.com Michael Farah, CIMA CMFC Senior Portfolio Manager Vice President Financial Advisor michael.farah@morganstanley.com Pat C. Johnson Senior Registered Associate pat.johnson@morganstanley.com IN THIS ISSUE Congratulations to Karen Mella... 2 Team Happenings... 3, 6 Cash Management Solutions Morgan Stanley Wealth Management... 7 Morgan Stanley

2 Congratulations to Karen Mella! Karen Mella, our part-time marketing consultant for the last ten years, has made a major full-time career change to become a local real estate agent. Almost everyone knows Karen as she has been a regular here in the office who coordinated all of our marketing activities, including our newsletters, advertisements, client events, and much more. The Rockport Group is indebted to Karen for her decade of service and we wish her the best in her new career! 2

3 THE ROCKPORT GROUP TEAM HAPPENINGS John. Celebrated his 25th year anniversary with Morgan Stanley in February Completed his 2-year stint as President of the South Texas Council, Boy Scouts of America in January Accepted a position on Christus Spohn Health System Foundation Board of Directors in December Mike. Received a new title with the firm Senior Portfolio Manager Pat. Became a member of the National Service Advisory Council. The Council acts as a two-way feedback channel between the branch service organization, Senior Management and the Home Office. Mike Farah, Jr. turned 16 and is now considered free Uber for mom and dad. Pat enjoyed a race in Charleston, SC with Kathy (sister) and Kelly (niece). Debbie Jackson enjoys a day at the Texas State Aquarium with grandchildren Jack and Ainsley. More Happenings on page 6 3

4 At a Glance: Everything You Need for Your Everyday Finances Cash Management Solutions at Morgan Stanley 4 As a Morgan Stanley client, you have access to a comprehensive suite of cash management solutions as an attractive alternative to your traditional bank. You can access these solutions through the Active Assets Account which allows you to manage your everyday finances alongside your long-term investments. THE MORGAN STANLEY DEBIT CARD WITH CHIP AND PIN Use your Morgan Stanley Debit Card to make purchases or access your funds at more than 2 million ATMs worldwide. The Morgan Stanley Debit Card is accepted at merchants or ATMs that display the MasterCard, Maestro or STAR Network logos. Receive global ATM fee rebates 1 when you use your Debit Card to access cash at ATMs. Morgan Stanley offers high daily withdrawal limits, 2 and for larger amounts of cash, you can also request a cash advance at any bank that offers teller cash advance through MasterCard. 3 DIRECT DEPOSIT Allow recurring payments such as your paycheck, Social Security benefit or other scheduled funds to be automatically deposited into your account. DEPOSITING CHECKS Deposit checks via the Morgan Stanley Mobile App (with some of the highest mobile deposit limits in the industry 4 ), by mail or in person at a branch. Most check deposits are made immediately available for investment purposes. 5 UNLIMITED CHECK WRITING Enjoy unlimited check writing and receive free wallet check orders on your account. Activity reporting displays check payee names on your statements, online and via our Mobile App available. Check images can be viewed on both Morgan Stanley Online and the Morgan Stanley Mobile App. MORGAN STANLEY CARDS FROM AMERICAN EXPRESS Get access to exceptional benefits such as the awardwinning Membership Rewards program and other unique features designed exclusively for Morgan Stanley clients. The Morgan Stanley Credit Card from American Express with no annual fee and the Platinum Card from American Express Exclusively for Morgan Stanley. What Makes Morgan Stanley Different? The Relationship You Want Personalized advice and service from your Financial Advisor and their team backed by U.S.-based customer Service Professionals available 24 hours a day, 7 days a week. The Solutions You Need Tools built with your unique needs in mind, including ATM fee rebates at over 2 million ATMs worldwide, high mobile check deposit and electronic funds transfer limits, and a funds availability policy that makes most check deposits available immediately for investment purposes. 5 The Recognition You Deserve Through the complimentary Premier Cash Management Program, you enjoy an expanded set of valuable and unique benefits.

5 AT A GLANCE: EVERYTHING YOU NEED FOR YOUR EVERYDAY FINANCES CASH MANAGEMENT SOLUTIONS AT MORGAN STANLEY MORGAN STANLEY PAYMENTS (ONLINE BILL PAY) 6 Pay your bills conveniently with Morgan Stanley Online and the Morgan Stanley Mobile App. Receive ebills, schedule one-time or recurring payments and track the status of your payments. ELECTRONIC MOVEMENT OF FUNDS WITH HIGH DAILY LIMITS 7 Use Morgan Stanley Online, the Morgan Stanley Mobile App or call your Financial Advisor to conveniently move funds between multiple Active Assets Accounts (AAA), and also to and from external financial institutions linked to your account. For more expedited transfers, you can wire funds in and out of your Morgan Stanley account. MORGAN STANLEY ONLINE View, consolidate and manage your cash (view available cash, set up alerts), make payments and transfer funds in one place at MORGAN STANLEY MOBILE APP Use our Mobile App available for iphone, IPad and Android TM anytime, anywhere for all your cash management needs, including remote check deposits. You can also easily log in with Touch ID, available on ipad / iphone only. Premier Cash Management As an added value, Morgan Stanley recognizes and rewards clients for consistently using the firm s cash management solutions through the Premier Cash Management program. This program gives you access to unique benefits, fee waivers and enhanced servicing. To learn more about cash management solutions at Morgan Stanley, how to transition over and how you can qualify for the Premier Cash Management program, please contact your Financial Advisor or Private Wealth Advisor. 1 Reserved clients are eligible for unlimited ATM fee rebates and Non-Reserved clients are eligible for up to $200 in ATM fee rebates per calendar year. 2 Daily withdrawal limits of $1,500 to $5,000 for ATMs and $25,000 to $50,000 for teller cash advances, depending upon tier. 3 Unlike ATM fees that are rebated, Morgan Stanley will not reimburse fees that banks may charge for Debit Card cash advance. 4 Mobile Deposit of up to a daily limit of $250,000 for existing Reserved clients. Certain cash equivalent checks such as money orders and travelers checks are not eligible for deposit on the Morgan Stanley Mobile App. 5 While Morgan Stanley will always make transferred and deposited funds available immediately for investment purposes, we may not make all transferred or deposited funds immediately available for withdrawal. Funds deposited by check or funds transfer may be delayed depending on certain circumstances such as dollar value, account status, etc., and could be held for up to six business days. Please contact your Financial Advisor or Private Wealth Advisor for additional information or review the Fund Availability Policy by signing into your Morgan Stanley Online account. 6 Bill payments can take up to four days for the payee to receive. 7 Transfers of up to $100,000 daily for existing Reserved clients. Reserved rewards clients are those with $1,000,000 or more in eligible household assets and liabilities at Morgan Stanley or who pay over $10,000 in annual fees at Morgan Stanley with special benefits and services, including a comprehensive fee waiver and access to dedicated toll-free number for the Reserved Client Service Center. Morgan Stanley reserves the right to change or terminate the Reserved program at any time and without notice. Reserved program participants accounts and activity are reviewed periodically to confirm that they continue to qualify for this program. The Active Assets Account (AAA) is a brokerage account offered through Morgan Stanley Smith Barney LLC. The Morgan Stanley Debit Card is currently issued by UMB Bank, N.A., pursuant to a license from MasterCard International Incorporated. Master- Card and Maestro are registered trademarks of MasterCard International Incorporated. The third-party trademarks and service marks contained herein are the property of their respective owners. The Morgan Stanley Credit Card from American Express or the Platinum Card from American Express exclusively for Morgan Stanley is only available for clients who have an eligible Morgan Stanley Smith Barney LLC brokerage account ( eligible account ). Eligible account means a Morgan Stanley Smith Barney LLC brokerage account held in your name or in the name of a revocable trust where the client is the grantor and trustee, except for the following accounts: Charitable Remainder Annuity Trusts, Charitable Remainder Unitrusts, irrevocable trusts and employer-sponsored accounts. Eligibility is subject to change. American Express may cancel your Card Account and participation in this program, if you do not maintain an eligible account. Morgan Stanley Smith Barney LLC may compensate your Financial Advisor and other employees in connection with your acquisition or use of either the Morgan Stanley Credit Card from American Express or the Platinum Card from American Express exclusively for Morgan Stanley. The Morgan Stanley Cards from American Express are issued by American Express Bank, FSB, not Morgan Stanley Smith Barney LLC. Services and rewards for the Cards are provided by Morgan Stanley Smith Barney LLC, American Express or other third parties. Restrictions and other limitations apply. See the terms and conditions for the Cards for details. Clients are urged to review fully before applying. Apple, the Apple logo, iphone, and ipad are trademarks of Apple Inc., registered in the US and other countries. Android is a trademark of Google Inc Premier Cash Management is an incentive program that recognizes and rewards clients for choosing Morgan Stanley for their everyday cash management needs. Clients must meet certain criteria in order to qualify for the Premier Cash Management program, and Morgan Stanley Smith Barney LLC reserves the right to change or terminate the program at any time and without notice. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with affiliated and nonaffiliated parties to assist in offering certain products and services related to Premier Cash Management. Please refer to the Premier Cash Management Terms and Conditions for further details at: com/wealthdisclosures/premiercashmanagementtermsconditions.pdf 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 2016 Morgan Stanley Smith Barney LLC. Member SIPC. PBG CRC CS /16 5

6 THE ROCKPORT GROUP TEAM HAPPENINGS Christopher Farah takes the pitching mound, preparing for his freshman year. Paige Farah competing at regionals for cheerleading! Matthew Farah made the All-Star Little League team. Growing Up!! John and Debbie s grandchildren, Jackson Jack (9 years old) and Ainsley (7 years old), children of their daughter Sarah and her husband Kyle Wundt. 6

7 Wealth Management Powerhouse Morgan Stanley took more spots than any other firm on two Barron s lists. On the Top 100 Financial Advisors for 2017, we took all of the top 5 spots, 8 of the top 10, and 38 spots overall. On the Top 30 Institutional Consultants, our Graystone Consulting business claimed the No. 1 position and 12 spots overall. To see the full list of FAs recognized by Barron s, visit morganstanley.com/ topfas2017 MORGAN STANLEY CORE VALUES Putting Clients First Listen to what the client is saying and needs. Source: Barron s Top 100 Advisors, April 15, 2017 and Top Institutional Consultants, April 15, 2017 base its ratings on qualitative and quantitative criteria. The rating may not be representative of any one client s experience and is not indicative of future performance. Neither Morgan Stanley Smith Barney LLC nor any of its Financial Advisors or Institutional Consulting Directors pay a fee to Barron s in exchange for the rating Morgan Stanley Smith Barney LLC. CRC /17 CS /17 7

8 The Rockport Group at Morgan Stanley 2902 Traylor Blvd., Ste. 100 Rockport, TX NEWSLETTER Summer 2017 Experience has a local address. Be confident that your finances are going in the right direction. You don t have to go far. Because right here in Rockport, you ll find a Morgan Stanley office staffed with capable, experienced Financial Advisors. Morgan Stanley Financial Advisors can help you sort through the complexity of wealth management and investing. Call us today to set up an appointment. And find the experience you need. Right where you want it. The Rockport Group at Morgan Stanley John P. Jackson CWS, CIMA Wealth Advisor Michael Farah CIMA, CMFC Financial Advisor 2902 Traylor Blvd., Rockport, TX Investment Management Consultants Association, Inc. owns the marks CIMA, Certiified Investment Management Analyst SM (with graph element), and Certified Investment Management Analyst SM Morgan Stanley Smith Barney LLC. Member SIPC.