The Miller Conturso Group at Morgan Stanley

Transcription

1 The Miller Conturso Group at Morgan Stanley

2 10 MADISON AVE - 1st Floor MORRISTOWN, NJ / MAIN / TOLL-FREE / FAX conturso

3 We are dedicated to helping corporate executives optimize their personal and company wealth. We understand corporate executives your busy schedule, how you are compensated, how your company plans work and tax & liquidity strategies. These insights, combined with our understanding of your goals and passions will serve as the foundation of your personalized comprehensive wealth plan. Our team is positioned to help you make well informed decisions for you and your family. Our practice seeks to offer the intimacy of a boutique, coupled with the resources of one of the premier investment firms in the world. THE MILLER CONTURSO GROUP 3

4 Meet the Professionals Standing from Left- Right: Steven Bellog, Nicholas Conturso, Matthew Miller, Mark Ruggiero. Seated from Left- Right: Dawn Stedronsky, Carmel McPartland 4 MORGAN STANLEY

5 Matthew M. Miller, CFP, ChFC Executive Financial Services Director Vice President - Wealth Management Financial Advisor Morgan Stanley Dean Witter. Matt is a proud supporter of FAM- ILY Connections, a nonprofit community-based counseling and family service agency. Matt resides in Morristown, NJ. In his free time, he enjoys working out at the gym, especially his Boot Camp regimen, attending sporting events and playing golf. He also enjoys traveling and never misses an opportunity to explore other countries. Matthew Miller is a CERTIFIED FINANCIAL PLANNER (CFP ), Chartered Financial Consultant (ChFC ) and Vice President of Wealth Management. Matt has over 14 years of industry experience and focuses on helping families and corporate executives achieve financial success. By leveraging Morgan Stanley s resources and industry contacts Matt is able to provide objective guidance and personalized solutions. Matt has been selected as a NJ Monthly Five Star Wealth Manager in 2012, 2013 and Born and raised in West Orange, New Jersey, Matt graduated from Montclair State University with a degree in Finance and began his career as a Financial Advisor with THE MILLER CONTURSO GROUP 5

6 Nicholas Conturso, CFP, ChFC Executive Financial Services Director Vice President - Wealth Management Financial Advisor Nicholas Conturso is a CERTI- FIED FINANCIAL PLANNER (CFP ), Chartered Financial Consultant (ChFC ), and an Executive Financial Services Director. Nick has over 14 years of industry experience and takes a holistic approach to understanding the entire financial picture. As a CFP, he utilizes his extensive training in financial and estate planning, insurance, investments, taxes, liability management, employee benefits and retirement planning. Nick has been selected as a NJ Monthly Five Star Wealth Manager in 2012, 2013 and Nick was born in New Jersey, and attended Seton Hall University where he acquired his Bachelor s degree in Finance with a minor concentration in International Business. Upon graduation, he accepted a position as a Financial Advisor with Morgan Stanley Dean Witter. Nick is a member of the Montville Chapter of UNICO National, the country s largest Italian-American Service organization. UNICO is dedicated to the education and support of individuals, families and other charitable organizations within the community. Nick also supports FAMILY Connections, a nonprofit community-based counseling and family service agency. Nick resides in Montville, NJ with his wife Melissa and their son P.J. Together they enjoy traveling and participating in outdoor activities. In his spare time, Nick likes to enjoy an occasional cigar, while maintaining his lawn. 6 MORGAN STANLEY

7 Steve Bellog Financial Advisor Steven Bellog is a Financial Advisor with Morgan Stanley. He is a lead advisor within the team and is involved with portfolio analysis, strategy implementation, business development and relationship management. In addition, Steve works with various internal and external partners in developing customized investment solutions for clients. Steve graduated from Montclair State University in Montclair, NJ with a Bachelor s degree in Finance. He currently resides in Nutley, NJ where he is an active participant in the fitness community and helps volunteer at local events. In his spare time, Steve enjoys traveling across the country in search of the best ski/snowboard resorts available. He also enjoys lake/deep sea fishing, golfing, and attending sporting events. Mark Ruggiero Financial Advisor Mark Ruggiero is a Financial Advisor with Morgan Stanley. He is a lead advisor within the team and is involved with portfolio analysis, strategy implementation, business development and relationship management. In addition, Mark works with various internal and external partners in developing customized investment solutions for clients. Mark attended Ramapo College of New Jersey in Mahwah, NJ where he was a member of the varsity baseball team for four years and Treasurer for the finance club for two. He remains very active in the local baseball community in northern New Jersey spending time with young athletes to improve their skills and working with local teams to better prepare in the off season. Mark currently resides in Fairfield, THE MILLER CONTURSO GROUP 7

8 NJ where he often spends time outdoors. If he is not working with young ballplayers to better their skills on the field, he can usually be found as a spectator at their local games. In his spare time, Mark also enjoys growing his music collection, reading, and playing golf. Dawn P. Stedronsky Portfolio Associate Dawn Stedronsky is a Portfolio Associate, and has been with the firm for 18 years. Through her tenure, Dawn has made many key contacts and relationships within the firm, which adds to our team s internal depth. Dawn provides monthly reporting and analysis in all aspects of portfolio management. Dawn provides support for all client matters relating the day-to-day operations. Dawn currently resides in Union with her husband and two daughters. She is a Girl Scout troop leader and also participates in both daughters school PTA committees. In her spare time, she enjoys exercising, reading, photography and spending time with her family in Cape Cod. 8 MORGAN STANLEY

9 Carmel McPartland Registered Client Service Associate Carmel McPartland is a Client Service Associate with 15 years of industry experience. She recently joined us from Wells Fargo Advisors. Carmel provides operational support in all aspects of the client relationship. She assists with onboarding of clients, reviewing statements, provides monthly reporting and analysis in all aspects of portfolio management. Carmel is a graduate of Seton Hall University in South Orange, NJ with a Bachelor s degree in Political Science. She currently resides in Bedminster, NJ. In her spare time, Carmel enjoys traveling, cooking, skiing and spending weekends at the beach with her family.

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. 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. 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. 10 MORGAN STANLEY

11 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. 11

12 5 Concerns for Every Executive to Address 1. A majority of your net worth may be concentrated in various complex Corporate Benefit Plans Corporations typically institute complex benefit plans that, if properly utilized, allow employees to save and invest for their future. These benefits include your 401k, stock options, restricted stock units, performance share awards, supplemental executive retirement plans and deferred compensation plans. We can help you understand the various benefit options available to you and help you make decisions about each opportunity. 2. The assets you own in your company sponsored accounts may not be invested to complement the assets you hold outside of your company plans. In fact, they may be working against each other. Too often, executives manage each of their investment accounts independently from one another resulting in overlap, concentration, and imbalance. It is incredibly important to your long term financial success that you have a uniform investment plan across all of your accounts. It is critical to create balance throughout ALL of your assets and make sure the investments held outside of your corporate plans are complementing your holdings within your benefit structure. 3. The investment plan you created at the onset of your employment may no longer reflect your current investment objectives and lifestyle. We work with executives to continuously monitor their corporate benefit investment strategies so they align properly with the current economic landscape and the evolving goals of each individual. 4. Generally, your stock awards may not be as easily liquidated as you think. Stock awards can be in the form of Restricted Stock Units, Nonqualified Stock Options, and Incentive Stock Options. These various awards all have different characteristics and tax treatment. Before exercising awards, we can help you develop a company compliant strategy that will manage your risk and limit tax exposure. 12 MORGAN STANLEY

13 5. Over time your career will advance and evolve. Someday, sooner or later, you will not be an active participant in your company benefit plans. Whether it is due to retirement, consolidation in the industry, or a move to a new company, we can assist you with strategies to be most efficient in your transition. We can recommend strategies that you may not think of to address your pension and benefit elections, consolidation of retirement assets, cash flow analysis, and cost of living comparisons. 13

14 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 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. - Retirement Planning - Education Planning 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. We provide assistance in: - Asset Allocation - Investment Management - Traditional Investments - Alternative Investments - Structured Investments 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, we can help you develop and implement a strategy based on your vision of retirement. 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. 14 MORGAN STANLEY

15 Strengthen your equity compensation The links between your equity compensation and personal wealth are many and complex. Whether your objective is to grow your equity compensation, realize its value through a diversification strategy or maintain family ownership by the next generation, we can examine your alternatives to achieve your objectives. - Restricted Stock Units (RSU) - Non-Qualified Stock Options (NQSO) - Incentive Stock Options (ISO) - Performance Share Units (PSU) 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 offer access to: - Home finance - Lending services - Securities-backed loans Protecting your wealth Insurance can play a critical role in virtually any comprehensive financial strategy, helping you protect your income and your family s financial security even perform important functions in estate planning. - Life and disability income insurance - Life insurance trusts THE MILLER CONTURSO GROUP 15

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