Arvista Group at Morgan Stanley. A Strategic View for Your Finances

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1 Arvista Group at Morgan Stanley A Strategic View for Your Finances

2 Two Union Square - Suite Union Street, Seattle, WA / MAIN / FAX

3 Arvista Group at Morgan Stanley We believe that managing wealth involves far more than managing an investment portfolio. It begins with developing a holistic, comprehensive understanding of who you are and the financial forces at work in your life. It means helping you understand and respond effectively to these forces. And, of course, it means helping you invest your assets in a way that reflects the realities of your life and the uniqueness of your long term goals. As Financial Advisors, we are committed to building a relationship of trust in which we can work closely with you to help you define your objectives, explore alternatives and choose the financial and investment strategies that are most appropriate for you. As our relationship evolves, we hope you will come to regard us as a valued resource and professionals who can help you make a more informed decision on any financial issue. Our most important goal: to help you achieve your objectives, providing guidance that helps your wealth do more for you. ARVISTA GROUP 3

4 Meet the Professionals Amani Y. Harris Second Vice President Financial Advisor Amani is a Second Vice President, Portfolio Manager, and Financial Advisor at Morgan Stanley. For close to 15 years, clients have appreciated his continuous quest to provide them financial solutions in a complex market. Amani began his career in the financial services industry in 2002 after earning his Master of Business Administration (MBA) degree from Seattle Pacific University. Prior to this, Amani served in the Army for 10 years after graduating from Cameron University and the ROTC Leadership Program. These years of selfless service provide the focus on discipline, contingency planning, risk management, and process structure he practices today. Amani actively supports local charities and is a board member to several organizations that focus on inspiring youth in education. Barbara W. Banon Associate Vice President Financial Advisor Barbara is an Associate Vice President and Financial Advisor at Morgan Stanley. With over 20 years in the financial services industry, she is a seasoned professional that brings years of experience and knowledge in managing assets, providing guidance that helps clients preserve and grow wealth. She believes in giving back to the community and has served on several charitable boards. She is currently involved with Invest in Youth as an afterschool tutor, and a Board member of the Washington Rhinestone Club, an organization that provides mentoring, cultural experiences and college scholarships for young women. An active member of the First A.M.E. Church in Seattle, she serves as a Stewardess and on the Aids Care Team Ministry. Barbara also loves traveling with her daughter and attending cultural events. Philip J. Lee Financial Advisor Phil is a Financial Advisor at Morgan Stanley. He greatly values the opportunity to serve his clients and enjoys helping them achieve their wealth planning strategies. As a West Point graduate and combat veteran, he knows the importance of having a well-developed plan in order to lead his team to success. In the Army, Phil attained the rank of Captain and was awarded the Bronze Star Medal for his service in Afghanistan. In 2014 he began working at the University of Washington as a Construction Project Manager and directed a variety of projects from research labs to Husky Stadium renovations. A former collegiate athlete and Eagle Scout, Phil enjoys playing sports and staying fit. In his spare time, he likes to travel and try out cooking tips from his Chef brother. Phil and his wife live in Ballard with their cat, Joey. 4 MORGAN STANLEY

5 Erin L. Nold Client Service Associate Erin is a Client Service Associate at Morgan Stanley. Born and raised in Seattle, Erin is a native of the Pacific Northwest and has over 10 years in the financial services industry where she is known for providing excellent client service. Erin is the team s primary client support liaison, handling administrative duties ranging from new accounts, funds disbursement (checks, wires, etc.), account transfers in from outside brokerages, and assisting with other key client needs. Her attention to detail, organization, and diligence in taking care of clients is exceptional. She also enjoys spending time with her family/friends, hiking, and being involved with causes that improve the lives of others in the community. One cause she personally enjoys leading every year is the Toys for Tots Holiday Drive.

6 We Work to Understand the Full Scope of Your Financial Picture It starts with listening. We ask questions regarding your needs and dreams, your tolerance for risk, 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 process Identify your goals, values, dreams, special concerns/challenges 2 Develop investment strategy Determine risk tolerance Analyze current investment portfolio Develop asset allocation strategy Portfolio construction 6 MORGAN STANLEY

7 The Client Experience Investment strategy meeting In-person meeting to present recommended investment strategy 5 Follow-up meeting In-person meeting to discuss: First statements Organization of paperwork Set up online account access (and review online resources) Develop schedule for 7 Wealth management plan meeting In-person meeting to present comprehensive wealth management strategies 9 Ongoing monitoring of investment strategy and wealth management plan Develop schedule for review meetings future review meetings Schedule wealth management plan meeting 4 Execution of investment strategy Open new accounts Transfer existing assets Conduct trades to execute agreed-upon investment strategy 6 Develop comprehensive wealth management plan Financial planning Retirement planning Access to banking and lending services Education planning Business succession planning Charitable giving Family dynamics Estate planning management Plan meeting 8 Execute wealth management plan Ongoing execution of wealth management strategies 10 Re-evaluate investment strategy based on changes to goals, objectives and/or expectations Adjust investment portfolio and/or wealth management plan in light of any changes CRC# /2016

8 Developing Your Wealth Management Strategy Individuals work hard to build wealth in pursuit of a meaningful life for themselves and their family. Your achievements reflect substantial effort, and we will work just as hard on your behalf, committing our experience and skills to helping you achieve your unique goals for your wealth. Moreover, we will support you and your strategy by accessing the resources and perspective of one of the world s largest financial firms. 8 Before our team offers specific advice, however, we must understand who you are and what you want your wealth to accomplish. Working with you, we will complete a four-step process: 1 Setting your financial objectives We will begin our relationship by listening discussing a range of topics related to your financial needs and investment objectives: long-term life goals and expectations, possible major purchases, and legacy and charitable goals, if you have them. We will discuss your current financial resources, your time horizon for various goals, your tolerance for risk even how your liabilities are structured. If you own a business, we also might discuss your current lending and cash management needs. MORGAN STANLEY 2 Developing your wealth management strategy Based on your input, our advice will likely help address income and retirement planning, asset protection, investment management, strategic borrowing, wealth transfer and business succession. Of course, your plan will include an asset allocation strategy designed to help achieve your financial goals in light of your risk tolerance and investment time horizon. 3 Implementing your strategy After we have discussed and refined your strategy, the team works closely with you to bring the elements to life. Should we decide together that outside money managers are appropriate for you, we 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, we can help identify specific stocks, bonds and other securities that may be suitable for your portfolio. Whatever approach we decide on, the team will help you keep your strategy on track. 4 Reviewing your performance You will receive a quarterly review that outlines your portfolio s performance, helping you track progress toward your objectives. Moreover, when your personal situation or market conditions change significantly, we can suggest appropriate adjustments to your portfolio to help it remain aligned with your goals.

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11 For Life's Most Important Goals With experienced professionals 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 insights 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 strategies Multigenerational planning Insurance Strategic consulting and transactions 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 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 Helping strengthen 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 and lending services of Morgan Stanley. Retirement plans Strategic consulting and transactions Succession planning Helping meet 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 ARVISTA GROUP 11

12 $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 NEARLY80YEARS 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

13 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 EXECU- TION 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 INVEST- MENT 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 openarchitecture 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

14 Awards Barbara and Amani have been Selected as Five (5) Star Wealth Managers for the Greater Seattle Area as listed in Seattle Magazine. Barbara W. Banon: 2012, 2016, 2017 Amani Y. Harris: 2012, 2015, 2016, 2017 Seattle Magazine and Five Star Professional partnered to find wealth managers who satisfy 10 objective eligibility and evaluation criteria. Publications Seattle Magazine Reference Five Star Professional, as a third party research firm, identified pre-qualified award candidates based on industry data and contacted all identified broker dealers, Registered Investment Advisor firms and FINRA-registered representatives to gather wealth manager nominations. Self-nominations are not accepted. Award candidates are then evaluated against 10 objective eligibility and evaluation criteria associated with wealth managers who must have a minimum of five years experience as an investment adviser representative or other accepted credentials, client retention rates, client assets administered, firm review and a favorable regulatory and complaint history as defined by Five Star. Five Star Professional determines the final list of Five Star Wealth Manager Award winners. The Award does not evaluate the quality of services furnished to clients and it is possible that the recipient may have received unfavorable ratings from those surveyed. Five Star Professional collected the information for this Award through surveys it conducted. Wealth managers and/or their firms do not pay a fee to be considered or placed on the final list of Five Star Wealth Managers. The Five Star award is not indicative of the wealth manager's future performance. Wealth managers may or may not use discretion in their practice and therefore may not manage their clients assets. The inclusion of a wealth manager on the list should not be construed as an endorsement of the wealth manager by Five Star Professional. Working with a Five Star Wealth Manager or any wealth manager is no guarantee as to future investment success, nor is there any guarantee that the selected wealth managers will be awarded this accomplishment by Five Star Professional in the future. For more information on the Five Star award and the research/selection methodology, go to fivestarprofessional.com. 14 MORGAN STANLEY

15 Morgan Stanley 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 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.

16 This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it. The strategies and or investments discussed in this material may not be suitable for all investors. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments and strategies, and encourages investors to seek the advice of a Financial Advisor.The appropriateness of a particular investment or strategy will depend on an investors individual circumstances and objectives Morgan Stanley Smith Barney LLC. Member SIPC /2016 CRC CA Insurance Lic # OH61081