The Main Line Group at Morgan Stanley. Helping Clients To and Through Retirement

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1 The Main Line Group at Morgan Stanley Helping Clients To and Through Retirement

2 Two Town Place Suite 100, Bryn Mawr, PA / toll-free / main / fax 2 Morgan Stanley

3 The Main Line Group at Morgan Stanley For many successful business owners and executives, their most important financial decisions involve retirement. What are your goals in retirement? Do you have the funds you need? Is your investment plan aligned with your goals and your time frame? What kind of legacy do you want to leave behind? At The Main Line Group at Morgan Stanley, we focus on guiding our clients toward and through a successful retirement. By creating and implementing rigorous, detailed and customized financial plans based on their clearly articulated goals. We also work with businesses to develop retirement plans for their employees. This combination gives us a perspective, allowing us to design wealth management plans that consider the big picture. The Main Line Group provides comprehensive wealth management services, including investments, financial planning, tax and estate planning strategies, and risk management to help with all your financial decisions. Our clients know that we hold ourselves to the highest standards of service, commitment and integrity, which we pledge to each and every client. The main line group 3

4 Meet the Professionals Left to right: David Betman, Fran Fleming, Mitchell Welsch 4 Morgan Stanley

5 Mitchell A. Welsch, CFP, CIMA, CRPS, QPFC First Vice President Corporate Retirement Director Financial Advisor Mitchell Welsch leads The Main Line Group team, setting strategy for retirement-planning clients and managing client relationships. He is a CERTIFIED FINANCIAL PLANNER TM certificant and a Certified Investment Manager Analyst, and he recently received the Qualified Plan Financial Consultant (QPFC) designation, which demonstrates his knowledge and commitment to working with retirement plans. Mitch has been recognized as a Five Star Wealth Manager every year since Before joining the firm, Mitch was a Vice President at UBS Financial Services Inc. He is currently a member of the International Association for Financial Planning, as well as a former board member of the American Society of Pension Professionals and Actuaries for the Philadelphia area. Currently, Mitchell is FINRA Series 3, 7, 63 and 65 licensed, as well as Multi State Insurance licensed. Mitch attended Roger Williams University, graduating magna cum laude with degrees in accounting and finance and a minor in psychology. He, his wife, and their two children live in Lower Gwynedd, Pennsylvania. When not working, Mitch enjoys spending time with family, skiing, and photography. mitchell.welsch@morganstanley.com David J. Betman Wealth Management Associate David Betman assists clients with planning, investing and financial decisions. Before joining The Main Line Group in 1998, he was a financial advisor at UBS Financial Services, where he worked with clients in all phases of financial management. Dave received a B.S. in finance from the University of Maryland, and he has earned his Accredited Asset Management Specialist accreditation. He lives in Churchville, Pennsylvania, with his wife and two sons. Outside the office, he enjoys spending time with his family and playing softball and golf. david.betman@morganstanley.com Fran Fleming Senior Registered Associate Fran Fleming handles all operational duties at The Main Line Group, such as executing transactions, establishing accounts, processing transfers and addressing client questions regarding their accounts. She joined the team in 2010 and has more than 20 years of experience in the financial services industry since beginning her career at Prudential Bache Securities. Fran lives in Washington Township, New Jersey, and enjoys spending time with her family and friends and especially her granddaughter. frances.r.fleming@morganstanley.com The main line group 5

6 The Main Line Group We offer highly personal, knowledgeable experience in the areas you care about most. Retirement A successful retirement requires more than just having sufficient assets you also need a plan to both reach and sustain yourself through retirement. By focusing on these key components, The Main Line Group brings a singular perspective to retirement planning. We look at the big picture and focus on achieving your specific goals, rather than chasing returns. Integrated Wealth Management Services Wealth management involves a broad range of elements that extends well beyond investing. We assist you with financial planning, tax and estate strategies, education planning, and debt management all designed to create a long-term strategy to help you accomplish your goals. Backed by Morgan Stanley, we command an extensive range of resources, experience and strategies that we can put to work for you. We also collaborate closely with your other professional advisors to assure that all financial decisions align with your overall strategy. An Emphasis on Risk Management For high-net-worth individuals, risk management may be more important than investment returns. Our approach seeks to incur the minimal amount of risk required to achieve your goals. Unbiased Investment Selection With our open architecture platform, we can make unbiased recommendations for risk management strategies based on your best interest and our best judgment. These recommendations come from years of experience, world-class research and thorough due diligence. A Focus on Business Owners and Executives Many of our clients are successful business owners and executives. We understand the issues that are important to you, and we can provide the full range of services to help meet your unique needs, including management of concentrated stock positions, tax planning and employee retirement plans. A Commitment to Service and Integrity We believe that the best relationships between clients and advisors are built on trust. We work with a small number of select clients and pledge the following: Transparency: You will always know exactly what we are doing and for what cost. Objectivity: We make all our recommendations based exclusively on your needs. Personalized Strategies: Your plan is created for you alone. Communication: We are available whenever you need us and contact you on a regular basis. 6 Morgan Stanley

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8 Understanding the Full Scope of Your Financial Picture Our wealth management process starts with listening. We ask questions about your needs and dreams, your tolerance for risk, your time horizon and then we 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 Meeting Identify your goals, values, dreams, special concerns and challenges Wealth Management Process Steps Investment Strategy Meeting In-person meeting to present recommended investment strategy Development of Investment Strategy Determine risk tolerance Analyze current investment portfolio Develop asset allocation strategy Construct portfolio 8 Morgan Stanley

9 Follow-Up Meeting In-person meeting to discuss: First statements Organization of paperwork Online account access Schedule for future review meetings Wealth Management Plan Meeting In-person meeting to present customized wealth management strategies Ongoing Monitoring of Investment Strategy and Wealth Management Plan Develop schedule for review meetings Execution of Investment Strategy Open new accounts Transfer existing assets Conduct trades to execute agreed-upon investment strategy Development of 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 Execution of Wealth Management Plan Ongoing implementation of agreed-upon wealth management strategies Reevaluation of Investment Strategy Adjust investment portfolio and/or wealth management plan as needed in light of any changes to goals, objectives and/or expectations The main line group 9

10 Pursuing Life s Most Important Goals With knowledgeable professionals and the right tools, working toward your most important goals can be less challenging and more rewarding. We are ready to help you meet your objectives by combining our knowledge and service with the resources of Morgan Stanley. Setting a Confident Course Thorough, thoughtful financial planning that analyzes where you are and 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 your financial plan. Executing a Disciplined Investment Strategy 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. You can rely on us for objective and strategic advice in structuring your portfolio and careful analysis of any investments we consider together. Educating New Generations The rising cost of higher education has been well documented, but fortunately there are a variety of solutions to help you meet the challenge. The earlier you begin planning, the more successful you re likely to be. We can help you determine how much you ll need to save and which specific savings vehicles may have a place in your child s or grandchild s future. Shaping Your Retirement Retiring or leaving a long-time employer can be both exciting and overwhelming. In addition to lifestyle changes, you will be faced with crucial questions about how to handle your 401(k) plan and Social Security distributions. We are skilled at identifying the critical questions and helping you answer them in a prudent and tax-smart way. Our understanding of the issues can help you make the most of this new opportunity. Protecting Your Wealth Insurance plays a critical role in virtually any comprehensive financial strategy, as you seek to protect the value of your assets, your income and your family s financial security it can even perform important functions in a business succession or estate plan. We can help you analyze your current insurance portfolio and update your coverage to fulfill personal and strategic goals. Building a Lasting Legacy Intergenerational wealth planning brings together all of the dimensions of your life. We will work with you to understand the connections between your personal life, your family and your legacy goals to develop a suitable strategy and position your portfolio appropriately. 10 Morgan Stanley

11 Giving Back Through Philanthropy Many successful individuals seek opportunities to support cultural and educational institutions, as well as nonprofit organizations. We can help you analyze and implement a philanthropic strategy that benefits the causes you care most about, while seeking to safeguard your overall portfolio from the realities of taxation. Strengthening Your Business The links between business ownership and personal wealth are complex. Whether your objective is to grow your business, realize its value through a succession strategy or sale, or maintain family ownership through the next generation, we will examine your alternatives and determine the best course of action.

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13 Working with Morgan Stanley The Main Line Group is part of Morgan Stanley, one of the world s largest and strongest investment organizations that focuses on delivering objective, independent investment advice and services to clients around the world. With 6.4 million client accounts and overseeing more than $2 trillion in assets under management*, Morgan Stanley is an industry leader that you can count on for professionalism, expertise and integrity. *As of October 29, The main line group 13

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15 Working with The Main Line Group at Morgan Stanley At The Main Line Group at Morgan Stanley, we provide wealth management services to select clients. Together, we will help you develop and execute a wealth plan with the potential to bring you closer to your near- and long-term 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 wealth management strategy that addresses key areas of your financial life and offers recommendations for building and protecting your wealth. For more information about The Main Line Group and how we can help you in your pursuit of a comfortable financial future, please call Mitchell Welsch at or mitchell.welsch@morganstanley.com. The main line group 15

16 Asset Allocation does not guarantee a profit or protect against a loss in a declining financial market. Morgan Stanley Smith Barney LLC offers insurance products in conjunction with its licensed insurance agency affiliates. Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services. 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. Tax laws are complex and subject to change. 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 and are not fiduciaries (under ERISA, the Internal Revenue Code or otherwise) with respect to the services or activities described herein except as otherwise agreed to in writing by Morgan Stanley. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a retirement plan or account, and (b) regarding any potential tax, ERISA and related consequences of any investments made under such plan or account. 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. CA Insurance Lice #OD37555 CRC CS /17