The Murray Hill Group at Morgan Stanley Your Strategic Financial Advisory Team

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1 The Murray Hill Group at Morgan Stanley Your Strategic Financial Advisory Team Ann. G. Neumann CFP, Financial Advisor, brings over 35 years of diversified financial experience to her clients. She entered the investment management business in Since 1999, she served at the firms that became Morgan Stanley Wealth Management. Her career in finance started at a small commodity research house and has blossomed into her own office on Park Avenue. Ann works with our clients to tailor wealth management strategies designed to solve their complex financial challenges. She has more than 30 years experience in the field. Many of her clients have worked with her since day one. They appreciate her rational and intelligent approach to choosing investments that fit their goals and lifestyles. The sixth of eight children, Ann was practically born into her field. Since a young age she has been learning about growing a business from her grandfather; the family owned a construction firm which later donated a barge to NYC. Today, it functions as the downtown heliport. Ann was a standout student at the University of Hartford, where she earned a BA in Economics. She was honored with the Blumenthal Prize for Excellence in Economics and graduated magna cum laude. Ann has also earned the CERTIFIED FINANCIAL PLANNER TM (CFP ) designation. Ann lives in Manhattan and Quogue. She is a past president of Talk of the Town Toastmasters Club and past area governor of Toastmasters in New York. She has also taught at Hunter College and worked with the Junior Achievement Program. Ann enjoys playing bridge and yoga; she is also an enthusiastic but frustrated golfer. 101 Park Ave., 24 th Floor New York, New York T: (212) F: (917)

2 Service Group Meet the team that you will be working with Michael Constantine, Client Service Associate, is a born and bred New Yorker. He was a Dean List student at Fordham Preparatory School. He continued his Jesuit education at Loyola University Maryland in Baltimore, MD. He graduated in 2014 with honors and a bachelor s degree of business administration. Michael joined Morgan Stanley in January 2015 and has acquired the Series 7, 63 and 65 licenses. Since his hiring, Michael has joined in with the Murray Hill Group. He brings a young, energetic and professional view on current economic conditions. He defines excellent customer service. In addition he has sharp and unique problem solving ability. In his spare time Michael is an avid golfer, an amateur chef, active in his community and loves to travel. Nicole Burke, Wealth Management Intern, is a native of Scottsdale, Arizona. She is set to graduate from New York University in May 2016 with a BA in Mandarin Chinese and a minor in Business Studies from the Leonard Stern School of Business. After living and studying in Shanghai and Beijing for over a year, Nicole became fluent in Mandarin Chinese and reads the New York Times every morning in Mandarin. She joined Morgan Stanley in October 2015, interning for the Murray Hill Group. She assists Michael and Craig with client inquiries and administrative duties. In her spare time, Nicole picks up new languages, such as Tagalog, Korean, and Japanese. 2

3 Morgan Stanley Resources Advanced Planning Center Gary J. Nestle Executive Director Cash Management Yvette Wynn Vice President, Private Banking Group Corporate Solutions Mark Bach Executive Director, Inst. & Strategic Solutions Use of trusts in wealth transfer planning, including Charitable Lead trusts, charitable Remainder Trusts, Grantor Retained Annuity Trusts, Credit Shelter Trusts and Dynasty Trusts Business buy-sell agreements Family gifting strategies Philanthropic endeavors via private foundations and donor-advised funds Comprehensive insurance reviews Review, maintenance and organization of key documents, such as wills, trusts, healthcare proxies, and durable powers of attorney Full suite of banking services, including check writing, wires, bill pay, etc. Provide access to asset-based loans to provide immediate funds an outgoing cash flows at an extremely competitive rate Underwrite home mortgages exclusive to Morgan Stanley Private Bank N.A. Aircraft, high-end automobile and yacht financing Unlock value and liquidity on fine art collections via tailored finance Finance the purchase of commercial real estate Monetization and diversification strategies for concentrated stock positions Non-qualified and incentive stock option exercise planning and execution Section 1042 exchanges Exit strategies for business owners Manage corporate cash to maximize yield without inhibiting liquidity Retirement plan benefit consulting Global Asset Allocation and Management Michael Wilson Managing Director, Investment Products and Services Create, monitor and adjust strategic and tactical asset allocation frameworks based on clients total liquid and illiquid net worth and risk tolerance Conduct historical quantitative analysis in an attempt to forecast future returns and volatility Provide tactical recommendations on asset classes, styles, sectors and industries to over/underweight Incorporate passive management of core asset classes vie exchange-traded index funds in conjunction with active managers Family Office Services Glenn Kurlander Managing Director, Morgan Stanley Wealth Services Formalize family governance via scheduled meetings, mission statements, advisory boards and by-laws Coordinate family wealth education with tailored curriculum Evaluate family office needs and desires, audit its effectiveness and provide supplementary services Monitor and report on existing trusts to maximize flexibility and adaptability Interface frequently with clients CPAs, attorneys and/or family office Alternative Investments Victor Cardella CAIA, Executive Director Direct access to tailored private equity and private real estate transactions Opportunities to invest in world class hedge funds and fund-of-hedge funds at significantly reduced minimums Specialized exchange funds available to diversify concentrated stock positions without incurring immediate tax liability Segregated account management for custom tailored portfolio 3

4 Our Exclusive Wealth Management Process The timing and process revealed so you know what to expect A Customized Approach Your client s dynamics, goals and risk tolerance are unique. We will tailor our process to meet their personal and financial needs and objectives. What We Do We employ a first-class discovery process designed to provide our clients with customized solutions around tax efficient strategies, risk mitigation and wealth preservation, wealth accumulation, multigenerational wealth transfers and socially responsible strategies. 4

5 Wealth Management Advice is More Than Just Investments It is our privilege to serve as your wealth advisor. This is why we are dedicated to doing all that we can to help you reach your financial goals. This is what we employ: FIRST-CLASS DISCOVERY PROCESS 1) Goals and needs analysis - Asset allocation 2) Family dynamics - Debt and liquidity strategies 3) Risk assessment TAX EFFICIENT STRATEGIES 1) Core investment strategies focusing on after-tax returns exclusive to our clients 2) Triple tax-free municipal bond portfolios 3) Help manage volatility while offering liquidity and growth 4) Seek to minimize investment costs and expenses and avoid unnecessary portfolio turnover 5) Help manage liability by creating liquidity without realizing taxable gains WEALTH PRESERVATION AND RISK MITIGATION 1) High quality tax-free municipal and corporate bond strategies 2) Oversee, collaborate and coordinate with other professional advisors (e.g. banker/attorney/cpa) 3) Family legacy and governance WEALTH ACCUMULATION 1) Growth-oriented, opportunistic equity and fixed income strategies 2) Alternative opportunities exclusive to Morgan Stanley 3) (Private Equity, Hedge Funds, Managed Futures, Structured Products) 4) Open architecture advisory platform MULTI GENERATIONAL WEALTH TRANSFERS 1) Insurance policy review (life, disability, long-term care, umbrella) 2) Personal and family security 3) Estate Planning and Document Review (wills, trusts and other estate planning documents) SOCIALLY RESPONSIBLE STRATEGIES, INVESTING WITH IMPACT 1) Environmental (low carbon emissions, organic pesticides, etc.) 2) Social (product integrity, community impact, employment practices, etc.) 3) Governance (executive compensation, board accountability, etc.) 5

6 The HBC Group at Morgan Stanley Our Investment Philosophy: Core & Tactical Approach Wealth Management Formula Investment Mission: To deliver an effective investment philosophy, developed and honed over more than two decades and implemented conscientiously by highly skilled individuals who share culture and values. We believe that asset allocation (what types of investments you own and in what proportion) is the key determinant in long-term investment results. Core strategies are investments such as stocks and bonds, which are held for the long-term. Periodically these investments will be rebalanced in order to maintain an agreed upon ratio (sell some of the assets that are high to buy those that are currently low). AP = WE + WT+WP + CG Core strategies typically make up most of a client portfolio (90-95%), with tactical representing the other 5-10%. Tactical strategies represent investment themes that defy categorization within the standard asset class schema (i.e., US energy renaissance, sector investments due to market cycle awareness, etc.). Core Asset Classes Tactical Tactical Tactical 6

7 Disclaimer 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 offers insurance products in conjunction with its licensed insurance agency affiliates. 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 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. Interest in municipal bonds is generally exempt from federal income tax. However, some bonds may be subject to the alternative minimum tax (AMT). Typically, state tax-exemption applies if securities are issued within one s state of residence and, local tax-exemption typically applies if securities are issued within one s city of residence. Bonds are affected by a number of risks, including fluctuations in interest rates, credit risk and prepayment risk. In general, as prevailing interest rates rise, fixed income securities prices will fall. Bonds face credit risk if a decline in an issuer's credit rating, or creditworthiness, causes a bond's price to decline. Finally, bonds can be subject to prepayment risk. When interest rates fall, an issuer may choose to borrow money at a lower interest rate, while paying off its previously issued bonds. As a consequence, underlying bonds will lose the interest payments from the investment and will be forced to reinvest in a market where prevailing interest rates are lower than when the initial investment was made. NOTE: High yield bonds are subject to additional risks such as increased risk of default and greater volatility because of the lower credit quality of the issues.