George Smith Financial Planning Specialist Vice President Financial Advisor > Objective - Loyal - Local

Transcription

1 George Smith Financial Planning Specialist Vice President Financial Advisor > Objective - Loyal - Local

2 69 Swift Street, 4th Floor PO Box 1095, Burlington, VT / MAIN / TOLL-FREE George.Smith@MorganStanley.com

3 George Smith Financial Planning Specialist Vice President Financial Advisor As a seasoned Financial Advisor with over 21 years of experience my practice is built on a single mission: To provide clients with unbiased advice they can trust. I help clients establish realistic goals, create adaptive financial plans, provide ongoing monitoring, customized rebalancing, and adjustments as their lives evolve. The plans may focus on retirement income, building a legacy, funding a child s education, saving for a major expense, or managing a portfolio of investments more tactically or tax efficiently. Some of the investment tools I use include Stocks, Bonds, Mutual Funds, Professional Money Managers, Annuities, and Insurance I employ a responsive, proactive approach, and would welcome the opportunity to discuss how my process of planning, management, and monitoring may complement and simplify your existing efforts. GEORGE SMITH 3

4

5 My Background George Smith Financial Planning Specialist Vice President Financial Advisor With more than 21 years of experience in the industry, I offer you a seasoned professional you can trust to assist you in simplifying the custom management of your financial life. After graduating from college with a Bachelor Degree in Economics, I decided to explore the world of finance and investments on Wall Street in New York with Shearson Lehman Brothers. I soon found my passion for the financial markets and helping clients navigate the vast world of investments. As a dedicated father I made the decision to transition my family to Vermont to raise my children. The experience has been truly wonderful. I believe in being active in my community. Some of the organizations I actively support include the Burlington Chamber of Commerce, Re-Member, Lions Club of Jericho Underhill, Mt Mansfield Lodge, and the Olive Branch Lodge of Free and Accepted Masons. As an outdoor enthusiast and believer in leading a balanced life I also enjoy traveling, sailing, fishing, hiking, jogging, biking, golf, tennis, snowboarding, skiing, and spending time with my family. GEORGE SMITH 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. Moreover, I will support you and your strategy with the resources and perspective of one of the world s largest financial firms. 1 We will work to articulate your aims for your wealth, examining your current and future income sources and cash flow needs, and then consider factors like tolerance for risk, tax concerns, liquidity needs and time horizon. 6 MORGAN STANLEY

7 Discover Analyze 2 I will propose a financial plan and asset allocation designed to help meet your goals. My advice may encompass issues such as retirement planning, business continuation, tax minimization and wealth transfer. Review Implement 3 I will work closely with you to bring the elements of your plan to life, helping you to select from the hundreds of investment management firms available to you, and identify specific stocks, bonds and other securities that may be suitable for your portfolio. Then I will closely monitor your portfolio. 4 We will review your portfolio together at your request. And when your circumstances change, I will work with you to revise your strategy and reposition your assets to reflect your new needs and goals.

8 For Life's Most Important Goals With an experienced professional and the right resources, reaching your most important goals can be less challenging and more rewarding. I am ready to help you meet your goals, by combining my insight 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. I 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 Multigenerational planning Insurance 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

9 Shaping your retirement Together, we can work to make decisions that could help you move toward the retirement you expect. Whether you are building retirement wealth or making the transition to generating income from your assets, I can help you develop and implement a strategy based on your vision of retirement. IRAs: - Traditional - Roth IRA rollovers Roth conversions Building a unique legacy Estate planning typically brings together the dimensions of life: personal, family, financial and charitable. I will work with you to understand the connections between your life and legacy goals, and work with your accountant and attorney to help you develop a strategy to position your portfolio appropriately. Educating new generations Helping to meet the education costs of children and grandchildren may be one of the most attractive and personally fulfilling investment opportunities available to you. I can help you access appropriate investment vehicles 529 plans and custodial 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. I 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 Strengthening 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 services of Morgan Stanley. Credit facilities Cash management Retirement plans Strategic consulting and transactions Succession planning Protecting your wealth Insurance can play a critical role in virtually any comprehensive financial strategy, helping you to protect the value of your assets, protect your income and your family s financial security even perform important functions in a business succession or estate plan. I can help you analyze your current insurance portfolio and work to update your coverages to fulfill personal and strategic goals. Life and disability income insurance Life insurance trusts Key-person insurance Meeting 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. I 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 Lending services Debt restructuring GEORGE SMITH 9

10 You are invited! I would appreciate the opportunity to present my capabilities and introduce you to some of the customizable resources provided to my clients. I encourage you to explore an introductory meeting, including a complementary portfolio review. As I work for you, your family, your business, or foundation you will benefit from personalized advice, objective guidance, and dedication to helping you formulate, monitor, and achieve your goals. I look forward to talking with you soon. 10 MORGAN STANLEY

11

12 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 /2013 CRC