Alysia R. Perkinson. Financial Planning Specialist Second Vice President Financial Advisor

Transcription

1 Alysia R. Perkinson Financial Planning Specialist Second Vice President Financial Advisor

2 69 Swift Street South Burlington, Vermont / Main / Toll-Free fa.smithbarney.com/ alysiaperkinson alysia.r.perkinson@mssb.com

3 Morgan Stanley Smith Barney 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 contact us to understand these differences. As the financial world becomes more complex and investment choices multiply, careful planning becomes ever more important to helping you achieve your financial goals. As a Financial Advisor, my role is to work with you to help you develop a plan that lays out a clear path to your goals a plan that I develop in collaboration with you, and one that you can follow with confidence in the face of the market s ups and downs. Together, we will explore a broad range of topics that are likely to influence your financial future from your family situation to your career aspirations, from likely education expenses to the retirement you ultimately envision. What I learn will become the foundation for a financial and investment strategy based on who you are and where you want to go. Only then will I talk with you about the details of investing: how much risk makes sense, your asset allocation, and which investments are right for your portfolio. But that s just the beginning. Over time, I will revise your plan to reflect new aspirations and priorities, helping your plan keep pace as the markets change and your life unfolds. Alysia R. Perkinson 3

4 4 MoRgAn stanley smith BARney

5 My Background Alysia R. Perkinson Financial Planning Specialist Second Vice President Financial Advisor With over 15 years of investment experience, Alysia offers a depth of knowledge and experience. Prior to joining Morgan Stanley Smith Barney and its predecessor firms in 2001, she was a Vice President in the Fixed Income Group at Fleet Bank. Alysia graduated from Union College with a degree in Economics and received her MBA from Boston University. With a focus on the needs of business owners, retirees and women, she takes a strategic approach to helping individuals and corporate clients achieve their goals. Alysia R. Perkinson 5

6 Creating Your Plan To be truly effective, your plan must reflect the totality of your personal and financial life. My role is to help ensure that your investment objectives are consistent with pressing financial concerns and your long term aspirations. These four steps were developed to achieve that goal: 1 Setting your financial objectives Through a process of discovery and discussion, I will work with you to articulate your aims for your wealth. Together, we will examine your current and future liabilities, income sources and cash flow needs, and then consider factors that might influence your overall strategy, including tolerance for risk, tax concerns, liquidity needs and time horizon. Through careful analysis, I will look for potential gaps that may exist between you and your goals, and develop sound strategies to help smooth the path. 2 Creating your strategy Working from my understanding of you and your objectives, I will propose a financial plan that contains specific strategies designed to help meet those goals. My advice may encompass issues such as retirement planning, business continuation, tax minimization potential and wealth transfer. You will also receive an asset allocation strategy designed to provide diversification for your portfolio. 6 Morgan Stanley Smith Barney

7 3 Implementing your strategy After discussing and refining your strategy, I will work closely with you to bring the elements to life. Should we decide together that outside money managers are appropriate for you, I will draw on in-depth research and analysis to help you select from the hundreds of investment management firms available to you. If you prefer to invest in individual securities, I can help identify specific stocks, bonds and other securities that may be suitable for your portfolio. Whatever approach we decide on, we will help you keep your strategy on track. 4 Reviewing objectives and performance I view ongoing communication as the foundation of our successful collaboration with you. I will make every effort to keep abreast of your changing financial needs and provide viable strategies to help you meet them. This means reviewing your portfolio together at your request. When your circumstances change, I will work with you to revise your strategy and reposition your assets to reflect your new needs and goals. AlysiA R. PeRkinson 7

8 Morgan Stanley Smith Barney strives to offer clients the finest in financial thinking, products and execution to help them meet their individual needs and achieve their personal financial goals. When we work together, you ll benefit from personalized advice, objective guidance and dedication to your success as an investor. With access to Morgan Stanley Smith Barney s renowned global resources and investment opportunities, we can help you develop and maintain an optimal investment strategy. Our wealth management strategy will address key areas of your financial life beyond traditional investments and may incorporate diverse recommendations for building and protecting your wealth. Morgan Stanley Smith Barney offers a wide array of brokerage and advisory services The to its first clients, line of each the of disclaimer which may text create has no a indentation. different type Use of the relationship paragraph with style, different Cover/ Disclaimer obligations 1st to you. for the Please first contact paragraph us to of disclaimer understand copy. these differences. After Asset allocation the first paragraph, and diversification the first do line not of guarantee each following a profit paragraph or protect should against indent. loss. Use Morgan the paragraph Stanley style, Smith Cover/Disclaimer. Barney LLC ( Morgan After all Stanley the disclaimer Smith Barney ) text is pasted is a registered text broker-dealer, box, the text box not will a bank. need Where to be into this expanded appropriate, or Morgan reduced Stanley at the top Smith to balance Barney out has entered the two into columns. arrangements The lowest with line banks of text and other should third sit 1 parties pica above to assist the rule in offering that is above certain the banking-related legal line. products and services. Unless More otherwise text goes here. specifically More text disclosed goes here. to More you in text writing, goes investments here. More and text services goes here. offered through Morgan Stanley Smith Barney, member SIPC, are not insured by the FDIC, More are not text deposits goes here. or other More obligations text goes of, here. or More guaranteed text goes by, banks here. and involve investment risks, Level including one bullet possible style looks loss of like principal this. amount Here is invested. another Level one bullet. If Morgan the bullet Stanley wraps Smith to more Barney than one LLC, line, its the affiliates following and Morgan lines will Stanley go back Smith out Barney to the margin Financial edge Advisors and be consistent do not provide with the tax rest or of legal the advice. bullet This styles material in the was brochure. not intended or written Level two to be bullet used styles for will the look purpose like this. of avoiding Here tax is penalties another Level that may two be bullet. imposed on The the taxpayer. following Clients paragraph should should consult return their to tax the advisor standard for matters Cover/Disclaimer involving taxation paragraph and tax style. planning More and text their goes attorney here. for More matters involving goes here. trust More and text estate goes planning here. More and text text other goes legal here. matters Morgan Stanley Smith Barney LLC. Member SIPC /11 08/11 8 Morgan Stanley Smith Barney