The Wentworth Group at Morgan Stanley

Transcription

1 The Wentworth Group at Morgan Stanley

2 One Harbour Place, Suite 125 Portsmouth, NH / MAIN / TOLL-FREE / FAX thewentworthgroup Paul.Kinnaly@morganstanley.com James.Farnham@morganstanley.com Briana.Romano@morganstanley.com

3 The Wentworth Group at Morgan Stanley Wealth, in and of itself, does not create the skills to manage it. In an ever-changing global financial environment, we offer broad experience, deep resources and objective advice. In short, The Wentworth Group at Morgan Stanley is committed to helping you preserve and grow your assets while seeking to inspire a level of confidence that enables you to focus on the aspects of your life that you care about most. 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. THE WENTWORTH GROUP 3

4 Meet the Professionals From left: Paul Kinnaly, Briana Romano, Jim Farnham 4 MORGAN STANLEY

5 Paul Kinnaly, CFP, CIMA Senior Investment Consultant Vice President - Wealth Management Wealth Advisor Professional Details Paul Kinnaly is a Wealth Advisor and a Vice President at Morgan Stanley. Paul received his B.A. from Dartmouth College and has completed coursework and training relating to investment management, financial planning, risk management and tax and estate planning. Paul holds the CFP, CIMA and ChFC professional designations. Paul is a member of the Investment Management Consultants Association (IMCA). He and his wife Stacy reside in Hampton Falls, NH with their three children. Jim Farnham Financial Planning Specialist Financial Advisor Professional Details Jim Farnham is a Financial Advisor at Morgan Stanley. Jim has been a financial services professional since 2008 and established his career with Morgan Stanley in July of Jim holds his FINRA Series 7, 66 security licenses along with his life, health, and variable insurance licenses. Jim earned his B.S. degree from the University of Massachusetts. Jim is currently on the Board of Directors and current chair of the Fund Development Committee at the Krempels Center, Portsmouth, NH. He and his wife Amy reside in Exeter, NH with their two children Briana Romano Registered Associate Professional Details Briana Romano is a Registered Associate of Morgan Stanley's Portsmouth, NH office. Briana joined the firm in March of 2011 and currently holds her FINRA Series 7, 63 security licenses along with her life, health, and variable insurance licenses. She and her husband reside in Newmarket, NH. THE WENTWORTH GROUP 5

6 A Consultative Process Charting a prudent course to financial independence requires a well-conceived, personalized financial plan with defined, longterm goals. Our consultative wealth advisory process was developed to help generate that plan. Its key steps are designed to result in a broad, cohesive plan for your financial future. 1 We will begin by discussing what matters most to you and what you want to accomplish with your wealth. In addition to your finances and investments, we will talk about you, your values, lifestyle, your worries and what you are passionate about. 6 MORGAN STANLEY

7 Discover Analyze 2 We will analyze your personal and financial information, assess risks, and identify potential threats to your financial health. Then we will present you with a comprehensive plan to address your income and cash flow needs, borrowing requirements, asset protection, retirement planning, wealth transfer and philanthropy goals. Review Implement 3 Our objective approach to implementing your plan will pay special attention to how its various aspects can affect, enhance and integrate with each other. When appropriate, we will suggest seeking additional, in-depth advice on particularly complex planning, financial and family issues we have identified. 4 We will review your portfolio together at your request. And when your circumstances change, we will work with you to revise your strategy and reposition your assets to reflect your new needs and goals.

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9 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. Retirement planning Education planning Estate planning Multigenerational planning Insurance Traditional investments Alternative investments Separately managed accounts Building a unique legacy Estate planning typically brings together the dimensions of life: personal, family, financial and charitable. We 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. 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. 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 Lending services Managing the rewards of success Protecting your wealth 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 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. We 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 THE WENTWORTH GROUP 9

10 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. 10 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 banking 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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12 Your Life and Your Legacy Whatever your goals income, borrowing, risk management, charitable giving, just to name a few designing a holistic wealth management plan is our top priority. Drawing on our own insight, as well as Morgan Stanley s global research and experienced financial specialists, we are able to make informed recommendations and propose a flexible plan that is uniquely yours. RETIREMENT PLANNING Lifestyle review Risk review Pension and/or social security benefits analysis Retirement account assessment Retirement income plan Beneficiary review Health care/medicare planning 12 MORGAN STANLEY

13 Comprehensive Wealth Management Services INVESTMENT SERVICES AND PERSONAL INVESTING BUSINESS SUCCESSION PLANNING Asset allocation advice Investment advisory programs Capital markets services Traditional brokerage EXECUTIVE COMPENSATION MANAGEMENT Business needs review Cash management and capital needs assessment Business valuation Succession plan documents Succession plan funding ESTATE PLANNING FAMILY NEEDS PLANNING Financial planning Education planning Special needs child assessment and planning Planning for support of aging parents Concentrated stock services (monetizing, hedging) Rule 10b5-1 trading plans Stock option strategies Restricted securities (liquidation and risk management alternatives) Assist in estate and financial planning (particular to executive compensation management)* ACCESS TO BANKING AND LENDING SERVICES Review of wills, durable power of attorney (POA) for health care/poa living will and trusts Gifting Charitable giving Asset titling Estate tax funding Family dynamics/family meeting *Team will help assist with both in-house and outside advisors. CRC# /2014

14 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. 14 MORGAN STANLEY

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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 /2014 CRC