Institutional Wealth Services. Helping organizations maximize institutional assets and bolster their employee financial benefits.
|
|
- Leon Winfred Watson
- 6 years ago
- Views:
Transcription
1 Institutional Wealth Services Helping organizations maximize institutional assets and bolster their employee financial benefits.
2 2 Morgan Stanley 2016
3 A Message From Marc Brookman Over the past 80 years, Morgan Stanley has provided organizations with tools and resources to respond to the challenges of an evolving world. We seek to provide access to a wide breadth of solutions that address the specific financial challenges of your company, your executives and your employees. For your company, we provide access to the services needed to create and implement your strategies and live up to the obligations you have made to your shareholders and employees. We provide consulting services, advice and execution. We can help you invest your cash and provide access to capital markets. Our experienced Financial Advisors and their teams can help you manage your company s retirement and stock plan account. Through Morgan Stanley Workplace Wealth Solutions, we make it easy for employees at every level of your organization to access financial planning and financial education capabilities that will help them better manage their day-to-day financial affairs while helping them meet their future goals. We will also provide your employees with a dedicated, locally based Financial Advisor who may help facilitate access to cash management and lending products and services as well as investment management and services. With Morgan Stanley, you have an organization dedicated to the success of your company and its employees, and a guide to help you determine and develop optimal solutions to address your specific challenges and objectives. Marc Brookman Managing Director Institutional Wealth Services 3
4 Connecting You to Tools for Success Whether you are looking for corporate retirement or stock plan services for your organization or a corporate financial wellness program for your employees, we have solutions for you. Solutions to Meet Corporate Needs Providing clients access to a broad range of investment consulting, stock plan services and cash management consulting. Simplify Stock Plan Administration Align Goals and Help Mitigate Risks Within Your Retirement Plan Navigate the Treasury Investment Landscape You Need to Effectively Manage Your Liquidity 4
5 Solutions to Meet Employee Needs Help your employees prepare for their future and address their financial needs with a corporate financial wellness program and access to financial planning, financial education and wealth management solutions. Help Secure a Comfortable Retirement Manage Debt Leave a Legacy to Future Generations Fund the Next Generation s Education Managing Portfolio Risk Give Back With Philanthropic Pursuits 5
6 Solutions for Your Company and Employees Morgan Stanley Institutional Wealth Services provides a wide breadth of products and services that may help create and provide holistic solutions for your company and your employees. 1 Your Company Retirement Plan Services, including Defined Contribution, Defined Benefits and Nonqualified Deferred Compensation Plans Global Stock Plan Services Cash Investment Solutions Your Employees Financial Planning Financial Education Wealth and Investment Management Cash Management and Lending Products and Services Philanthropy Trust and Estate Planning Strategies or Analysis Insurance Access to Tax Preparation and Planning Services 1 Morgan Stanley only provides access to these services, as third parties will perform the services. Morgan Stanley has no affiliation. 6 Morgan Stanley 2016
7 Institutional Wealth Services 7
8 Your Company Retirement Plan Consulting Through Morgan Stanley, our employer-sponsored retirement savings plan gives those who work for your organization the chance to prepare successfully for their retirement. As a plan sponsor, you work toward this vital goal while adhering to the standards that ERISA lays out for fiduciaries, which are among the most rigorous in the U.S. legal system. Investment Policy Statement Investment Selection Investment Monitoring Model Portfolios INVESTMENT MANAGEMENT Our process can deliver a customized strategy to help you meet your specific requirements. PLAN MANAGEMENT Issue Resolution Fiduciary Audit File Needs Assessment Benchmarking Provider Search EDUCATION PLAN PARTICIPATION Enrollment Meetings & Participant Education Strategic Enhancements Ongoing Education Seminars Backed by the global resources of Morgan Stanley and with specific training in the standards of financial prudence and fiduciary requirements you must meet, a Morgan Stanley Financial Advisor can provide you with a reliable process to create and regularly update your plan s investment policy statement, choose and monitor the plan s investments, conduct service provider searches, provide customized benchmarking reports, and share best practices in working with an investment committee. Our goal is to help you deliver a robust set of investment choices and a first-class experience to plan participants. Since 1973, Morgan Stanley s Consulting Group has been delivering investment consulting services to plan sponsors. 8 Morgan Stanley 2016
9 Global Stock Plan Services Morgan Stanley provides clients with the administrative tools and resources to respond to almost anything that equity plan administration demands. We simplify the process in stock plan administration, and have a wealth of experience in participant services and education, and excellence in service delivery. As a leader in the equity compensation industry, our clients benefit from our wealth of knowledge to help them stay abreast of industry developments. Participant Data Grant, Award and ESPP Data stock plan platform Payroll Data Administrative and Financial Reports Option Costs and Plan Data Proceeds and Account and Tax Documents Cash Investment Solutions Morgan Stanley Smith Barney LLC assists corporations in seeking the greatest benefits for all of their corporate cash needs. Through our Cash Investment Solutions relationship, we seek to deliver to clients the maximum benefit for their Core and Seasonal cash balances through a customized investment management approach. Your Morgan Stanley Corporate Cash Investment Director will develop a plan with you according to your corporation s individual governances, characteristics and short- and long-term liquidity needs. Each is a Fixed Income Advisor who will tailor a financial strategy if it fits your corporation s needs. Corporation With Cash Operating Funds Stable Cash Investment Funds Brokerage/Trading Solution Self-Directed Investing Institutional Desk yields Bloomberg access to view inventory Money Market Solution Daily Liquidity and Capital preservation Stable NAV products Onshore and Offshore options Access to most major Fund Families Short Duration Solution Ultrashort solution <2 yr. Duration Enhanced Income/Return Range of Duration profiles Advisory Highly customizable Professionally managed Fiduciary role Institutional Wealth Services 9
10 Your Employees Morgan Stanley Workplace Wealth Solutions Through our customizable corporate financial wellness program, we seek to bolster your current benefits program by providing your employees access to financial planning, financial education and wealth management solutions. By ensuring your employees have the advice, tools, solutions and information needed, we will help manage their dayto-day financial needs while seeking to preserve and grow their wealth now and for future generations. Financial Planning Your employees can work with an experienced Financial Advisor to develop a personalized financial strategy based on your employees needs and goals. Saving and investing strategies Estate and multigenerational planning Net worth analysis 10 Morgan Stanley 2016
11 Investment Management and Services Guided access to an extensive range of investment products and managed solutions through an open architecture platform. Asset allocation Traditional investments Financial Education Participate in onsite and online education programs that provide the actionable and relevant information your employees need to make confident, well-informed financial decisions. Educating employees on achieving financial security Family conversations on money Cash Management and Lending Products and Services Gain access to convenient cash management accounts, and if qualified, competitively priced residential mortgages and other lending products that may meet day-to-day and long-term needs. Active Assets Accounts Morgan Stanley Cards from American Express Residential mortgage loans Securities-based Lending Corporate Executive Services Access to estate, philanthropic, compensation and benefits planning. Concentrated stock positions Wealth transfer strategies Intergenerational needs Advice on corporate benefits Institutional Wealth Services 11
12 The Pressing Need for Effective Financial Guidance Through Morgan Stanley Workplace Wealth Solutions, we assist in providing you with the tools and solutions needed for effective financial management, as we understand this takes your employees time and resources. We understand that: Inadequate Planning... Only 48% of workers surveyed report they and/or their spouses have ever tried to calculate how much money they will need to save for retirement. 1 Financial Security is Top of Mind for Millennials 70% of Millennials describe themselves as passionate about creating financial security Leads to Retirement Insecurity Approximately 40% of Boomers and Gen Xers have no retirement savings, 2 while 82% of Gen Xers say they won t have enough saved to retire comfortably But a Majority Have No Savings Millennials, those under 35, currently have a savings rate of negative 2%, meaning they are burning through their assets or going into debt Retirement Confidence Survey, Employee Benefit Research Institute and Greenwald & Associates. 2 Baby Boomers and Retirement Planning Strategy, Insured Retirement Institute. 3 Planning and Progress Study 2015, Northwestern Mutual. 4 Millennial Research Study The Principal Financial Group Knowledge Center Moody s Analytics (savings rate) 6 Talking about Generations, Prepared for the Academy of Family Wealth Management by Morgan Stanley Marketing Research. 12 Morgan Stanley 2016
13 Even the Affluent Lack Confidence... 55% of affluent Boomers, 61% of Gen Xers and 57% of Millennials surveyed described a serious lack of financial knowledge And Recognize the Need for a Financial Advisor Most across all generations agree that a Financial Advisor is necessary to make sound investment decisions. 6 Institutional Wealth Services 13
14 About Morgan Stanley As one of the leading global financial services firms, Morgan Stanley has long set the standards for integrity, innovation and professionalism in our industry. Morgan Stanley can integrate capabilities across a spectrum of products and services to create holistic solutions for your company and your employees. Morgan Stanley has the strength, resources and worldwide reach to help the largest enterprises pursue their most ambitious strategies. No matter what financial challenges you are facing or what opportunities you are pursuing, Morgan Stanley delivers the capabilities, experience and expertise to help your company and employees pursue their most important goals. A leading wealth management firm Over 15,500 Financial Advisors with extensive financial planning knowledge 1 $2.0 trillion in client assets under management 1 $149 billion in deposits through our bank deposit program 1 Intellectual Capital (analysts, market research, investment perspectives) $403 billion in assets under management or supervision 1 1 As of January 19, At Morgan Stanley Wealth Management. 14
15 About Institutional Wealth Services Institutional Wealth Services was created to help single organizations like yours take full advantage of the entire Morgan Stanley franchise. We serve as guide and facilitator, helping you develop and implement optimal solutions to address the specific needs and goals of your organization, its leaders and employees. Our group is in the business of making the whole greater than the sum of the parts. We help you develop solutions that span a broad range of organizational investment needs. We provide appropriately scaled services to employees at all levels of your organization, helping them create a personalized financial plan that is inclusive of their corporate benefits and incentive programs. We are here to help you assess the scope of your needs, connect you to the capabilities required to address those needs and pull it all together into a seamless plan.
16 Important information about your relationship with your Financial Advisor and Morgan Stanley Smith Barney LLC when using a Financial Planning tool. When your Financial Advisor prepares a Financial Plan, they will be acting in an investment advisory capacity with respect to the delivery of your Financial Plan. To understand the differences between brokerage and advisory relationships, you should consult your Financial Advisor, or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at You have sole responsibility for making all investment decisions with respect to the implementation of a Financial Plan. You may implement the Financial Plan at Morgan Stanley or at another firm. If you engage or have engaged Morgan Stanley, it will act as your broker, unless you ask it, in writing, to act as your investment adviser on any particular account. Morgan Stanley Smith Barney LLC ( Morgan Stanley ), its affiliates and Morgan Stanley Financial Advisors and 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, charitable giving, philanthropic planning and other legal matters. The lending products referenced are separate and distinct, and are not connected in any way. The ability to qualify for one product is not connected to an individual s eligibility for another. Residential mortgage loans/home equity lines of credit are offered by Morgan Stanley Private Bank, National Association, an affiliate of Morgan Stanley. With the exception of the pledged-asset feature, an investment relationship with Morgan Stanley does not have to be established or maintained to obtain the residential mortgage products offered by Morgan Stanley Private Bank, National Association. All residential mortgage loans/home equity lines of credit are subject to the underwriting standards and independent approval of Morgan Stanley Private Bank, National Association. Rates, terms and programs are subject to change without notice. Residential mortgage loans/home equity lines of credit may not be available in all states; not available in Guam, Puerto Rico and the U.S. Virgin Islands. Other restrictions may apply. The information contained herein should not be construed as a commitment to lend. Morgan Stanley Private Bank, National Association, is an Equal Housing Lender and member FDIC that is primarily regulated by the Office of the Comptroller of the Currency. Nationwide Mortgage Licensing System Unique Identifier # The proceeds from a residential mortgage loan (including draws and advances from a home equity line of credit) are not permitted to be used to purchase, trade, or carry eligible margin stock; repay margin debt that was used to purchase, trade, or carry margin stock; or to make payments on any amounts owed under the note, loan agreement, or loan security agreement; and cannot be deposited into a Morgan Stanley or other brokerage account. Important Risk Information for Securities Based Lending: You need to understand that: (1) Sufficient collateral must be maintained to support your loan(s) and to take future advances; (2) You may have to deposit additional cash or eligible securities on short notice; (3) Some or all of your securities may be sold without prior notice in order to maintain account equity at required maintenance levels. You will not be entitled to choose the securities that will be sold. These actions may interrupt your long-term investment strategy and may result in adverse tax consequences or in additional fees being assessed; (4) Morgan Stanley Bank, N.A., Morgan Stanley Private Bank, National Association, or Morgan Stanley Smith Barney LLC (collectively referred to as Morgan Stanley ) reserves the right not to fund any advance request due to insufficient collateral or for any other reason except for any portion of a securities based loan that is identified as a committed facility; (5) Morgan Stanley reserves the right to increase your collateral maintenance requirements at any time without notice; and (6) Morgan Stanley reserves the right to call securities based loans at any time and for any reason. With the exception of a margin loan, the proceeds from securities based loan products may not be used to purchase, trade or carry margin stock (or securities, with respect to Express CreditLine); repay margin debt that was used to purchase, trade or carry margin stock (or securities, with respect to Express CreditLine); and cannot be deposited into a Morgan Stanley or other brokerage account. To be eligible for a securities based loan, a client must have a brokerage account at Morgan Stanley that contains eligible securities, which shall serve as collateral for the securities based loan. Securities based loans are provided by Morgan Stanley Smith Barney LLC, Morgan Stanley Private Bank, National Association, or Morgan Stanley Bank, N.A, as applicable. 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 brokerage account ( eligible account ). Eligible account means a Morgan Stanley 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 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. Services and rewards for the Cards are provided by Morgan Stanley, 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. The Active Assets Account is a brokerage account offered through Morgan Stanley. Insurance products are offered in conjunction with Morgan Stanley s licensed insurance agency affiliates. Asset allocation and diversification do not assure a profit or protect against loss in declining financial markets. Alternative investments often are speculative and include a high degree of risk. Investors could lose all or a substantial amount of their investment. Alternative investments are suitable only for eligible, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time. They may be highly illiquid and can engage in leverage and other speculative practices that may increase the volatility and risk of loss. Alternative Investments typically have higher fees than traditional investments. Investors should carefully review and consider potential risks before investing. Bonds rated below investment grade may have speculative characteristics and present significant risks beyond those of other securities, including greater credit risk and price volatility in the secondary market. Investors should be careful to consider these risks alongside their individual circumstances, objectives and risk tolerance before investing in high-yield bonds. High-yield bonds should comprise only a limited portion of a balanced portfolio. Ultra-short bond funds generally invest in fixed income securities with very short maturities, typically less than one year. They are not money market funds. While money market funds attempt to maintain a stable net asset value, an ultra-short bond fund s net asset value will fluctuate, which may result in the loss of the principal amount invested. They are therefore subject to the risks associated with debt securities such as credit and interest rate risk. An investment in a money market fund is not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency. Although the fund seeks to preserve the value of your investment at $1.00 per share, it is possible to lose money by investing in the fund. Please consider the investment objectives, risks, charges and expenses of the fund(s) carefully before investing. The prospectus contains this and other information about the fund(s). To obtain a prospectus, contact your financial advisor. Please read the prospectus carefully before investing. Morgan Stanley is a registered broker-dealer, member SIPC, and not a bank. Where appropriate, Morgan Stanley 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. IWS CRC CS /16
Financing and Liquidity Strategies
Financing and Liquidity Strategies A Morgan Stanley offers you a comprehensive approach to financing and liquidity delivering customized solutions for you that complement your overall investment strategy
More informationPlan for Your Future. Morgan Stanley Can Help You Achieve Your Financial Goals
Plan for Your Future Morgan Stanley Can Help You Achieve Your Financial Goals 2 MORGAN STANLEY 2016 What Are Your Hopes and Dreams? REGARDLESS OF WHAT STAGE YOUR LIFE IS IN moving ahead in your career,
More informationMorgan Stanley. Our Process. The Bjorklund Group at Morgan Stanley
Morgan Stanley Our Process The Bjorklund Group at Morgan Stanley 1 Our Team Overview Brian Bjorklund Vice President, Wealth Advisor 952.921.1906 direct brian.bjorklund@morganstanley.com Kris Bjorklund
More informationMorgan Stanley Workplace Wealth Solutions. A Corporate Financial Wellness Program Provided for Your Employees
Morgan Stanley Workplace Wealth Solutions A Corporate Financial Wellness Program Provided for Your Employees CRC 1705670 03/2017 Did You Know? #1 Finances largest cause of stress for Employees 52% Find
More informationExecutive Financial Services Group Capabilities
Morgan Stanley Wealth Management Timothy Davis, CFP Senior Vice President Executive Financial Services Group Director Financial Advisor Executive Financial Services Group Capabilities Morgan Stanley Smith
More informationA Firm You Can Trust
A Firm You Can Trust Morgan Stanley has over 80 years of experience advising our clients on creating, trading, managing and distributing capital and we do so with a standard of excellence. At Morgan Stanley
More informationJames Carpentier-Levy, CFP Financial Advisor Financial Planning & Management for Medical, Dental, & Veterinary Private Practices
James Carpentier-Levy, CFP Financial Advisor Financial Planning & Management for Medical, Dental, & Veterinary Private Practices 101 W BROADWAY SUITE 1800, SAN DIEGO, CA 92101 619-544-6535 / MAIN 800-473-1331
More informationExecutive Financial Services
Executive Financial Services Strategies for Managing Your Wealth At Morgan Stanley, we understand the regulatory challenges you face as an executive and key insider when trying to access the assets within
More informationPlan for Your Future. Make it Happen.
Plan for Your Future. Make it Happen. Brian Neunzig, CIMA, CFP Vice President Financial Advisor brian.neunzig@ms.com 707-571-5744 Champhang Wolfard Senior Client Service Associate champhang.wolfard@ms.com
More informationGlobal Stock Plan Services
Global Stock Plan Services Understanding Your Equity Compensation Needs Company-sponsored equity plans not only represent a significant investment in your employees and your company, but also may be challenging
More informationThe Hopps Group at Morgan Stanley. A Roadmap to Enduring Security
The Hopps Group at Morgan Stanley A Roadmap to Enduring Security 300 Esplanade Drive 10th Floor, Oxnard, CA 93030 805-278-3609 / MAIN 800-767-0170 / TOLL-FREE 805-278-0226 / FAX www.morganstanleyfa.com/thehoppsgroup
More informationChristopher A. Rea, CRPS. Corporate Retirement Director Financial Advisor
Christopher A. Rea, CRPS Corporate Retirement Director Financial Advisor 101 California Street 3rd Floor, San Francisco, CA 94111 415-693-6063 / MAIN 862-210-6072 / FAX https://fa.morganstanley.com/christopher.rea
More informationWorking With a Family Wealth Director
The Business Owner 2 Morgan Stanley As a business owner, you have devoted your career to building your enterprise. Now it is time to plan for what comes next: enjoying the substantial rewards, spending
More informationT H E KARTHEISER GROUP AT M O R G A N S TA N L E Y P R I VAT E W E A LT H M A N A G E M E N T
T H E KARTHEISER GROUP AT M O R G A N S TA N L E Y P R I VAT E W E A LT H M A N A G E M E N T JOE KARTHEISER, CFP, CIMA EXECUTIVE DIRECTOR PRIVATE WEALTH ADVISOR 312-419-3337 joe.kartheiser@morganstanleypwm.com
More informationWealth Management Perspectives
Wealth Management Perspectives An Alternative Method to Fund Alimony Payments If you are making alimony payments, you may know that they need to be made in cash to qualify as tax deductible If cash is
More informationWealth Management Perspectives
Wealth Management Perspectives Investing with Impact Framework Morgan Stanley s Investing with Impact Framework enables clients to align investment decisions with impact priorities across their portfolio.
More informationWealth Management Perspectives
Wealth Management Perspectives Tax Tables To Help You in Your Investment Decisions 2018 Edition Federal Report, 2018 Edition Married Couple Filing Joint Return (MFJ) If Taxable Income is: OVER: But Not
More informationPersonal Trust Services
Personal Trust Services Morgan Stanley Trust National Association 1 Morgan Stanley Trust, N.A. is dedicated to providing comprehensive and customized trustee services to wealthy families. As an experienced
More informationThe Majauskas-Jene Group at Morgan Stanley. Guiding your family through life s financial moves
The Majauskas-Jene Group at Morgan Stanley Guiding your family through life s financial moves PAUL B. MAJAUSKAS, CIMA Executive Director Financial Advisor Senior Investment Management Consultant WILLIAM
More informationThe Delli Carpini Group at Morgan Stanley
The Delli Carpini Group at Morgan Stanley Tactical Investment Strategy. Comprehensive Wealth Planning. 522 Fifth Avenue 10th Floor, New York, NY 10036 212-603-6204 / MAIN 212-507-8242 / FAX https://fa.morganstanley.com/frank.dellicarpini
More informationTHE DURSO WEALTH MANAGEMENT GROUP AT MORGAN STANLEY
Morgan Stanley 20 Linden Place Red Bank, NJ 07701 (732) 936-3400 THE DURSO WEALTH MANAGEMENT GROUP AT MORGAN STANLEY THE DURSO WEALTH MANAGEMENT GROUP AT MORGAN STANLEY DISCRETIONARY PORTFOLIO MANAGEMENT
More informationWhen preparing for the future, all you can control is how well you have planned
When preparing for the future, all you can control is how well you have planned Thomas G. Foley Senior Vice President Financial Advisor Keith W. Hier Financial Planning Specialist Financial Advisor Brett
More informationDIVERSIFICATION AND THE PRIVATELY HELD BUSINESS
DIVERSIFICATION AND THE PRIVATELY HELD BUSINESS STRATEGIC CONSIDERATIONS FOR A HIGHLY CONCENTRATED ASSET CLASS For many of the world s most successful entrepreneurs, the creation of significant wealth
More informationGoals-Based Wealth Management
Goals-Based Wealth Management You Have Goals A MEANINGFUL LEGACY FOR YOUR LOVED ONES A COMFORTABLE RETIREMENT A SECOND HOME, TRAVEL OR OTHER RECREATIONAL PURSUIT A COLLEGE EDUCATION FOR YOUR CHILDREN OR
More informationThe Higgins Group at Morgan Stanley. Building relationships based on understanding, integrity, accountability and mutual trust.
The Higgins Group at Morgan Stanley Building relationships based on understanding, integrity, accountability and mutual trust. 401 East Market Street Charlottesville, Virginia 22902 434-244-0123 / MAIN
More informationWEALTH MANAGEMENT. Personally prepared for Client. March 2012
WEALTH MANAGEMENT Personally prepared for Client March 2012 El Camino Group @ Morgan Stanley Smith Barney 415-984-6755 One Sansome Street, 38 th Floor http://fa.smithbarney.com/elcaminogroup/ San Francisco,
More informationPlan for Your Future. Make It Happen. Morgan Stanley can help you achieve your financial goals.
Plan for Your Future. Make It Happen. Morgan Stanley can help you achieve your financial goals. What Are Your Hopes and Dreams? Regardless of what stage of life you re currently in moving ahead in your
More informationMANAGED ACCOUNTS. Portfolio Solutions. Providing the guidance and flexibility to meet your customized investing needs
MANAGED ACCOUNTS Portfolio Solutions Providing the guidance and flexibility to meet your customized investing needs INTRODUCING PORTFOLIO SOLUTIONS When it comes to achieving your financial goals, here
More informationTHE DURSO WEALTH MANAGEMENT GROUP S DISCRETIONARY PORTFOLIO MANAGEMENT INVESTMENT STRATEGIES
Morgan Stanley 20 Linden Place Red Bank, NJ 07701 (732) 936-3400 THE DURSO WEALTH MANAGEMENT GROUP AT MORGAN STANLEY THE DURSO WEALTH MANAGEMENT GROUP S DISCRETIONARY PORTFOLIO MANAGEMENT INVESTMENT STRATEGIES
More informationTHE DURSO WEALTH MANAGEMENT GROUP AT MORGAN STANLEY
Morgan Stanley 20 Linden Place Red Bank, NJ 07701 (732) 936-3400 AT MORGAN STANLEY AT MORGAN STANLEY DISCRETIONARY PORTFOLIO MANAGEMENT INVESTMENT STRATEGIES Investments and services offered through Morgan
More informationInternational Wealth Management. expanding global opportunity
International Wealth Management expanding global opportunity welcome I join your International Client Advisor in thanking you, a Morgan Stanley International Wealth Management client, for the trust you
More informationInvesting with Impact. Creating Economic, Social and Environmental Value
Investing with Impact Creating Economic, Social and Environmental Value Delivering Personalized Value The Investing with Impact Platform focuses on flexibility and engagement, allowing both targeted allocation
More informationWhen preparing for the future, all you can control is how well you have planned
When preparing for the future, all you can control is how well you have planned Thomas G. Foley Financial Advisor Thomas G. Foley Senior Vice President Financial Advisor Keith W. Hier Financial Planning
More informationWealth Management Perspectives
Wealth Management Perspectives Managing Your Financial Life Can Be Complicated TAXES CORPORATE COMPENSATION SEC REGULATIONS RETIREMENT PLANNING CONCENTRATED POSITIONS CASH MANAGEMENT LEAVING A LEGACY BLACKOUT
More informationThe Bahnsen Group at Morgan Stanley Wealth Management
The Bahnsen Group at Morgan Stanley Wealth Management BAHNSENPHILOSOPHY The Bahnsen Group at Morgan Stanley Wealth Management has built a stellar reputation by delivering top-shelf investment strategies
More informationManaging Your Everyday Finances
Managing Your Everyday Finances Making the Most of Your Relationship With Morgan Stanley Managing your day-to-day spending, cash flow, and available funds are key features of your overall financial management
More informationThe Feinberg Group at Morgan Stanley. Pursuing financial security for our clients.
The Feinberg Group at Morgan Stanley Pursuing financial security for our clients. 250 South Park Avenue Suite 500, Winter Park, FL 32789 407-740-4909 / MAIN 800-829-5105 / TOLL-FREE 407-740-4983 / FAX
More informationWealth Management Perspectives
Wealth Management Perspectives How to Protect Yourself After a Potential Data Breach Being informed and proactive can help mitigate the risks associated with any data breach. Consider the below tips: Sign
More informationThe Dubie Group at Morgan Stanley. Experience That Makes a Difference
The Dubie Group at Morgan Stanley Experience That Makes a Difference Water Tower Hill 105 West View Road, 5th Fl., Colchester, VT 05446 802-658-2424/MAIN 800-446-0193/Toll-Free 802-860-1623/fax morganstanleyfa.com/dubie
More informationInvesting with Impact. Creating Economic, Social and Environmental Value
Investing with Impact Creating Economic, Social and Environmental Value Delivering Value Across Multiple Dimensions The Investing with Impact Platform focuses on flexibility and engagement, allowing both
More informationPremier Cash Management Terms and Conditions
Premier Cash Management Terms and Conditions Introduction Premier Cash Management is an incentive program that recognizes and rewards clients for choosing Morgan Stanley Smith Barney LLC (Morgan Stanley)
More information3 What We Believe. 4 Our Wealth Management Process. 9 Beyond Your Investment Strategy. The Lenox Group at Morgan Stanley
3 What We Believe 4 Our Wealth Management Process 9 Beyond Your Investment Strategy The Lenox Group at Morgan Stanley the lenox group at morgan stanley wealth management Robertson H. Bennett Family Wealth
More informationNorthwest Capital Group at Morgan Stanley. Dedicated to Building and Preserving Your Wealth
Northwest Capital Group at Morgan Stanley Dedicated to Building and Preserving Your Wealth 500 108th Ave NE, Ste. 1900 Bellevue, WA 98004 855-280-6587 / TOLL-FREE 425-453-5800 / MAIN 425-453-5802 / FAX
More informationUMA Model Portfolios Professional Advice for Your Unified Managed Account
UMA Model Portfolios Professional Advice for Your Unified Managed Account B The introduction of unified managed accounts has helped many investors to consolidate and streamline their investment portfolios.
More informationThe Corporate Executive
The Corporate Executive 2 Morgan Stanley As a corporate executive, you fulfill responsibilities to a broad range of constituencies: your colleagues, employees, board of directors and your shareholders.
More informationParticipant Asset Allocation: Questionnaire and Core Models
Participant Asset Allocation: Questionnaire and Core Models Morgan Stanley: Aligning Investment Strategy with Long-Term Objectives introduction Table of Contents Asset Allocation Questionnaire How you
More informationDiversified Managed Allocations
Diversified Managed Allocations Multi-strategy portfolios with a focus on flexibility Is this program right for you? DMA is designed for investors who: Want experienced, professional money managers to
More informationThe Capitol Won Group at Morgan Stanley 400 Capitol Mall Suite 1900 Sacramento, CA
The Capitol Won Group at Morgan Stanley 400 Capitol Mall Suite 1900 Sacramento, CA 95814 916-341-7646 CapitoWonGroup@MorganStanley.com Why Morgan Stanley? One of the world s strongest investment organizations
More informationThe Geneva Riverside Group at Morgan Stanley. James White - Cheryl Snook - Holly Cotherman
The Geneva Riverside Group at Morgan Stanley James White - Cheryl Snook - Holly Cotherman 10 West State Street Suite 204, Geneva, IL 60134 800-262-2061 / TOLL-FREE 630-262-2020 / MAIN 630-262-2030 / FAX
More informationGlobal Stock Plan Services. Maximize your return on equity plans
Global Stock Plan Services Maximize your return on equity plans Corporate equity plans may represent a significant investment in your employees and in your company. But getting them right in an increasingly
More informationThe Crenshaw Group at Morgan Stanley Smith Barney
The Crenshaw Group at Morgan Stanley Smith Barney 320 East Main Street Suite 410, Spartanburg, South Carolina 29302 864-585-7761 / Main 800-934-0340 / Toll-Free 864-591-0963 / fax fa.smithbarney.com/crenshaw
More informationTHE DURSO WEALTH MANAGEMENT GROUP AT MORGAN STANLEY DISCRETIONARY PORTFOLIO MANAGEMENT INVESTMENT STRATEGIES
Morgan Stanley 20 Linden Place Red Bank, NJ 07701 (732) 936-3400 THE DURSO WEALTH MANAGEMENT GROUP AT MORGAN STANLEY THE DURSO WEALTH MANAGEMENT GROUP AT MORGAN STANLEY DISCRETIONARY MANAGEMENT INVESTMENT
More informationPERSONALIZED SERVICE. EXPERT GUIDANCE.
PERSONALIZED SERVICE. EXPERT GUIDANCE. BANK OF AMERICA HOME FINANCING SOLUTIONS Financing a home can impact you personally as much as it does financially. Building roots, supporting family, or securing
More informationManaging Your Everyday Finances. Cash Management Solutions at Morgan Stanley
Managing Your Everyday Finances Cash Management Solutions at Morgan Stanley 2 As a Morgan Stanley client, you have access to a full suite of cash management solutions as an attractive alternative to a
More informationUnderstanding Social Security. Michael E. Malz and Julie Knight Wealth Advisor and Financial Advisor December 3, 2018
Understanding Social Security Michael E. Malz and Julie Knight Wealth Advisor and Financial Advisor December 3, 2018 The Lehigh Valley Group Michael E. Malz, CFP, CRPS Senior Vice President-Wealth Management
More informationStrength you can trust
Strength you can trust RBC Wealth Management About RBC Royal Bank of Canada (RBC) is one of the world s leading diversified financial services companies. One that is distinguished by a long heritage of
More informationWhat Is Investing With Impact?
What Is Investing With Impact? FINANCIAL GOALS Financial performance driven by economic fundamentals INVESTING WITH IMPACT IMPACT GOALS Positive social and/or environmental outcomes driven by values and
More informationThe Corbett Mason Group at Morgan Stanley
The Corbett Mason Group at Morgan Stanley 28 State Street 26th Floor, Boston, Massachusetts 02109 617-570-9503 / Main http://www.morganstanleyfa.com/corbett_mason_group The Corbett Mason Group at Morgan
More informationMorgan Stanley: A Leader in Wealth Management
Morgan Stanley: A Leader in Wealth Management Our Mission and Core Values We believe capital can work to benefit all of society. We make this belief a reality by focusing on four key elements that comprise
More informationForm ADV Program Brochure Morgan Stanley Smith Barney LLC. Graystone Consulting. June 30, 2014
Form ADV Program Brochure Morgan Stanley Smith Barney LLC Graystone Consulting June 30, 2014 2000 Westchester Avenue Purchase, NY 10577 Tel: (914) 225-1000 Fax: (614) 283-5057 www.morganstanleyclientserv.com
More informationPlanning for an Acquisition
Planning for an Acquisition 1 Before Exit Step 1 Establish a Basic Estate Plan Step 2 Outline Your Financial Goals and State of Affairs Step 3 Pre-transition Planning 2 After Exit Step 4 Minimize Tax Impact
More informationThe first of these laws, the Taft-Hartley Act of 1947, established
Briefing Taft-Hartley Funds Helping Taft-Hartley Trustees Fulfill Their Fiduciary and Investment Responsibilities Taft-Hartley plan trustees are bound by fiduciary responsibilities that require them to
More informationBarry J. Gottlieb, CFP, CDFA. Financial Advisor
Barry J. Gottlieb, CFP, CDFA Financial Advisor 120 Albany Street New Brunswick, NJ 08901 732-435-2226 / MAIN 732-668-2131 / CELL 800-272-1370 / TOLL-FREE 732-435-2255 /FAX http://www.morganstanleyfa.com/
More informationCustom Investment Outsourcing
Custom Investment Outsourcing Fay DeBellis, CFP, SIMC Senior Vice President Bryant Waller, CFP Financial Advisor For One-on-One Use Only With Clients and Prospects 2013-PS-327 11/13 The Importance of Managing
More informationThe Main Line Group at Morgan Stanley. Helping Clients To and Through Retirement
The Main Line Group at Morgan Stanley Helping Clients To and Through Retirement Two Town Place Suite 100, Bryn Mawr, PA 19010 855-598-6732 / toll-free 610-542-2944 / main 267-744-4100 / fax www.morganstanleyfa.com/themainlinegroup
More informationTed Kawahara, CFP. Senior Vice President Portfolio Management Director Financial Advisor
Ted Kawahara, CFP Senior Vice President Portfolio Management Director Financial Advisor Planning is bringing the future into the present so that you can do something about it now. Alan Lakein Building
More informationMorgan Stanley Pathway Ultra-Short Term Fixed Income Fund Objective: Total return, consistent with capital preservation
Morgan Stanley Pathway Ultra-Short Term Fixed Income Fund Objective: Total return, consistent with capital preservation OVERVIEW PIMCO sub-advises the fund focusing on short duration, relatively high credit
More informationPeter Y. Choy, CRPC Investment Management Consultant Senior Vice President - Wealth Management Portfolio Manager
Peter Y. Choy, CRPC Investment Management Consultant Senior Vice President - Wealth Management Portfolio Manager 80 East Rio Salado Parkway Suite 810, Tempe, AZ 85281 480-345-4704 / MAIN 800-227-3645 /
More informationThe Wood Group at Morgan Stanley. Understanding Your Vision, Earning Your Trust
The Wood Group at Morgan Stanley Understanding Your Vision, Earning Your Trust 1400 Civic Place Suite 200, Southlake, Texas 76092 6 Desta Drive Suite 1900, Midland, Texas 79705 817-416-4415 / Main 800-261-5974
More informationSincerely, Mandell Crawley Head of Morgan Stanley Private Wealth Management
Since Morgan Stanley s founding over 80 years ago, one of our most distinctive values has been doing first-class business in a first-class way. Morgan Stanley Private Wealth Management was created 40 years
More informationEdelston Grasso Group at Morgan Stanley
Edelston Grasso Group at Morgan Stanley 227 W Monroe Street Suite 3400, Chicago, IL 60606 312-648-3400 / MAIN 800-621-5231 / TOLL-FREE 312-648-3344 / FAX Edelston Grasso Group at Morgan Stanley As Financial
More informationThe Services Available to Your 401k Plan
The Services Available to Your 401k Plan Daniel R. Liff Senior Vice President Wealth Management Corporate Retirement Director Financial Planning Specialist Experience and Guidance That Make A Difference
More informationThe Calabretta Group at Morgan Stanley. passionately committed to managing your wealth
The Calabretta Group at Morgan Stanley passionately committed to managing your wealth 204 North George St. Suite 300, York, PA 17401 717-854-5553 / MAIN 800-343-5235 / TOLL-FREE 717-852-4101 / FAX www.morganstanleyfa.com/thecalabrettagroup
More information3737 Glenwood Avenue Suite 320 Raleigh, NC Tel: Family Office Services
3737 Glenwood Avenue Suite 320 Raleigh, NC 27612 Tel: 919-785-9453 Family Office Services Michael Dickinson Value Proposition I am one of less than 300 Financial Advisors at Morgan Stanley who holds the
More informationDonna L. Fisher, CFP. Senior Vice President Financial Advisor
Donna L. Fisher, CFP Senior Vice President Financial Advisor 7272 Wisconsin Avenue 4th Floor, Bethesda, Maryland 20814 301-657-6325 / Main 800-455-6622 / Toll-Free 301-656-1510 / fax donna.l.fisher@mssb.com
More informationThe Brewer Harding Group at Morgan Stanley Smith Barney
The Brewer Harding Group at Morgan Stanley Smith Barney 705 SW Bonnett Way Suite 1200, Bend, OR 97702 541-617-6000 / MAIN 866-960-6007 / TOLL-FREE 541-382-7329 / FAX www.morganstanley.com/fa/thebrewerhardinggroup
More informationSEPARATELY MANAGED ACCOUNTS
Offering Guide Leadership and Innovation SEPARATELY MANAGED ACCOUNTS Today s complex markets require different approaches ones that can provide greater financial freedom, active management and tax control.
More informationGlobal Investment Committee Themes
Global Investment Committee Themes The Global Investment Committee (GIC), which meets monthly to review the economic and political environment and asset allocation models for Morgan Stanley Wealth Management
More informationDaniel R Liff, CRPS Corporate Retirement Director Executive Director Financial Advisor Serving the needs of the affluent investor.
Daniel R Liff, CRPS Corporate Retirement Director Executive Director Financial Advisor Serving the needs of the affluent investor. 58 SOUTH SERVICE ROAD SUITE 400, MELVILLE, NY 11747 631-755-8867 / MAIN
More informationCGCM Ultra-Short Term Fixed Income Fund (TSDUX)
CGCM Ultra-Short Term Fixed Income Fund (TSDUX) Objective: Total return, consistent with capital preservation OVERVIEW PIMCO sub-advises the fund focusing on short duration, relatively high credit quality
More informationDavid MacKinnon, CFP. Financial Advisor It's not just your portfolio, it's your life.
David MacKinnon, CFP Financial Advisor It's not just your portfolio, it's your life. 1200 LENOX DR., STE 300 LAWRENCEVILLE, NJ 08648 609-844-7938 / MAIN 800-659-0650 / TOLL-FREE 609-844-7950 / FAX David.J.Mackinnon@morganstanle
More informationFiduciary Guidelines for Foundation & Endowment Trustees
1 Legal and Regulatory Oversight 3 Selecting and Monitoring Investment Managers 2 Developing a Spending Policy 2 Investment Policy Statements 3 Administration and Records online report consulting group
More informationWealth Management Perspectives
Wealth Management Perspectives Covered Calls 1 Can Provide Downside Support CBOE S&P 500 Buy Write Index vs S&P 500 Dispersion of Returns Data as of June 1, 1989 to October 31, 2016 160 140 144 120 Count
More informationWealth Management Perspectives
Wealth Management Perspectives Why Choose Morgan Stanley Wealth Management With over 80 years of experience, we help you meet your goals at every life stage GOALS-BASED SOLUTIONS Comprehensive solutions:
More informationThe Ellsworth Group at Morgan Stanley Smith Barney
The Ellsworth Group at Morgan Stanley Smith Barney 36 East Streetsboro Street Suite 101, Hudson, Ohio 44236 234-380-4800 / Main 234-380-4801 / fax fa.morganstanleyindividual.com/theellsworthgroup/ The
More informationTax Management Services for Select UMA
Tax Management Services for Select UMA Seeking to Improve After-Tax Returns With Unified Managed Accounts According to the Investment Company Institute, Mutual Funds distributed $398 billion in capital
More informationWealth ManageMent SolutionS. Helping You grow Your HigH-net-wortH Business
Wealth ManageMent SolutionS Helping You grow Your HigH-net-wortH Business pershing s wealth MAnAgeMent solutions MAY enable Your Clients to effectively protect AnD increase their wealth From alternative
More informationWealth Management Perspectives
Wealth Management Perspectives A Donor-Advised Fund can Simplify Your Philanthropic Giving A donor-advised fund (DAF) is a private fund administered by a third party and created for the purpose of managing
More informationPlan for Your Future. Make It Happen. Morgan Stanley Smith Barney can help you achieve your financial goals.
Plan for Your Future. Make It Happen. Morgan Stanley Smith Barney can help you achieve your financial goals. What Are Your Hopes and Dreams? Regardless of what stage of life you re currently in moving
More informationConsulting Group: An Introduction
2 Disciplined Investment Process 3 Investment Advisory Programs 5 Global Resources, Local Perspective product consulting group Consulting Group: An Introduction summary The last several years have proven
More informationMorgan Stanley Pathway International Fixed Income Fund (TIFUX) Objective: Seeks to maximize current income consistent with capital preservation
Morgan Stanley Pathway International Fixed Income Fund (TIFUX) Objective: Seeks to maximize current income consistent with capital preservation OVERVIEW Pacific Investment Management Company (PIMCO), the
More informationThe Private Wealth Management Relationship
The entrepreneur As an entrepreneur, you have devoted your career to building your business. Now it is time to plan for what comes next: enjoying the substantial rewards, spending more time with your
More informationBill Valenti Vice President Financial Advisor
Bill Valenti Vice President Financial Advisor 7811 University Point Drive Fort Myers, FL 33907 239-432-1325 / MAIN 800-326-8389 / TOLL-FREE 239-432-1339 / FAX bill.valenti@mssb.com Bill Valenti Vice President
More informationThe Grasmeder Team at Morgan Stanley
The Grasmeder Team at Morgan Stanley 20 MAPLE ST GLENS FALLS, NY 12801 518-793-4181 / MAIN 800-526-1866 / TOLL-FREE 518-793-7046 / FAX www.morganstanleyfa.com/grasmeder Kathleen.R.Grasmeder@morganstanley.com
More informationSeparately Managed Accounts. Investment Advisory Solutions for Today s Complex Markets
Separately Managed Accounts Investment Advisory Solutions for Today s Complex Markets Contents Consulting Group Overview Resources The GIC and Global Investment Manager Analysis Separately Managed Accounts
More informationDonor-Advised Funds. Morgan Stanley Global Impact Funding Trust (GIFT)
Donor-Advised Funds Morgan Stanley Global Impact Funding Trust (GIFT) A Donor-Advised Fund Can Simplify Your Philanthropic Giving A donor-advised fund (DAF) is a private fund administered by a third party
More informationThe Wentworth Group at Morgan Stanley
The Wentworth Group at Morgan Stanley One Harbour Place, Suite 125 Portsmouth, NH 03801 603-422-8900 / MAIN 800-735-5811 / TOLL-FREE 603-422-8989 / FAX www.morganstanleyfa.com/ thewentworthgroup Paul.Kinnaly@morganstanley.com
More informationBank Deposit Program Disclosure Statement May 2014
Bank Deposit Program Disclosure Statement May 2014 Bank Deposit Program Disclosure Statement Contents Introduction.... 3 Eligibility....4 Deposit Procedures....4 Withdrawal Procedures....4 Interest on
More informationMission Align 360. Implementation Road Map
Mission Align 360 Implementation Road Map A process by which an organization, such as a foundation, examines all capital including human, financial and philanthropic for allocation toward its mission and
More informationRetirement Solutions. Grow Your retirement Business with PershinG. Your Business without Limits tm
Retirement Solutions Grow Your retirement Business with PershinG Your Business without Limits tm Grow Your Retirement Business With Pershing Open architecture platform Simplified account management Unbiased
More information