The Riverwood Group at Morgan Stanley Smith Barney. Working hard to earn your trust...

Transcription

1 The Riverwood Group at Morgan Stanley Smith Barney Working hard to earn your trust...

2 The Riverwood Group at Morgan Stanley Smith Barney. We work hard to earn your trust...and even harder to keep it.

3 Earning It... The Riverwood Group at Morgan Stanley Smith Barney has one major objective: to earn your trust. We believe that thoughtful and frequent communication is the foundation to our relationships. You can depend on us to take the time to listen and learn what is important to you. We work hard to earn your trust, but we work even harder to keep it. Keeping it... Each client has unique needs. From simple investment management and allocation issues to more complex comprehensive planning issues we have the experience and resources to meet your needs. We know that there are thousands of Advisors that could say that. What sets us apart is the time we take to learn about your unique circumstances. Our goal is to make you feel as though you are our only client. MORGAN STANLEY SMITH BARNEY/3

4 Meet the Professionals MARK BISBACH, CFP Vice President Senior Portfolio Manager Mark began his career as a Financial Advisor in 1995 and is a multiple recipient of both the firm s Blue Chip Award and the firm s Century Council Award. He has spent his entire career in the industry at the same firm. Having earned both the CFP designation and the Senior Portfolio Manager title he has developed a focus on capital markets, equity research, and comprehensive portfolio management. In addition to advising his clients he was the Branch Manager for 7 years. Born in Texas, Mark's father was in the Army so they moved several times before settling in Wisconsin. Mark earned a Bachelor of Science in Industrial Technology from the University of Wisconsin at Platteville with minors in Business and Sales Training. Mark and his wife, Gail, live in Jefferson. They have a son, Ben, and 2 daughters, Emily and Celia. KATHY MCCOMBE Second Vice President Financial Advisor Financial Planning Specialist After a successful career in TV / Radio, Katherine became a Financial Advisor in She focuses on retirement planning strategies, insurance, trusts and estate planning. Kathy grew up in Whitefish Bay and Shorewood before settling in Wauwatosa in She received a Bachelor of Arts degree from Lindenwood College in St Charles, Missouri with a double major in English and Communication Arts. Kathy is President / Program Chair for the Milwaukee Chapter of the American Association of Individual Investors and taught Investing and the stock market at the University of Wisconsin-Waukesha from 1999 to Kathy and her husband, Jess, have 3 adult children. In her free time, she enjoys tennis, gardening and spending time with her 9 grandchildren. 4/MORGAN STANLEY SMITH BARNEY

5 SARA PITCEL Financial Advisor Financial Planning Specialist JEFFREY KRAUSE Financial Advisor MARY BAUMER Registered Client Service Associate Sara has been with Morgan Stanley Smith Barney and its predecessor firms since joining Morgan Stanley Dean Witter in She was a multiple recipient of the National Director s Award for outstanding personal performance, integrity and professionalism with uncompromising dedication and service to customers. Most recently she was recognized in the July 2010 issue of Milwaukee Magazine as a FIVE STAR: Best in Client Satisfaction Wealth Manager*. Sara has earned her Financial Planning Specialist designation and focuses on comprehensive wealth planning with emphasis on mutual fund evaluation, management, and allocation in addition to insurance and annuity services. A University of Wisconsin at Platteville graduate, she earned a Bachelor of Science degree in Marketing, Management, and Human Resources. The "stock market" has interested Jeff since he was in grade school so a Finance degree from the University of Dayton was the path he chose while at college. After completing his degree in four years he started working for Morgan Stanley Smith Barney. Before joining our team, Jeff spent the past three years working with a team in Chicago focusing on the stock option aspects of the business. While always exciting, Jeff chose to pursue a more holistic wealth management approach to the business in his hometown. It is our good fortune that he chose to move back to Wisconsin and become a Financial Advisor in order to work with clients on a daily basis. His role with the Riverwood Group is client development and communications, financial planning and plan development, as well as representing our interests in the community. Mary joined the firm in She is in charge of administration and operations for the team and focuses on client service. A lifetime resident of Waukesha, Mary received a Bachelor of Arts degree in English from the University of Wisconsin with minors in History and African-American Studies. Mary has also completed the Six Sigma Green Belt certification. Mary and her husband, Dale, have a son, Owen, and twin daughters, Malinda and Mya. She is active in the state and local Mothers of Twins Club and is a Girl Scout leader. In her free time, Mary enjoys scrapbooking and cross stitching. When not in the office, Sara enjoys being outdoors and spending time with her husband Jon, and their three children, Tyler, Zachary and Gabriella. MORGAN STANLEY SMITH BARNEY/5

6 The Way We Do Business We typically follow a client-focused process that integrates investment decisions with pressing financial needs and desired aspirations. Specifically, you can count on us to work closely with you in the following manner: 6/MORGAN STANLEY SMITH BARNEY

7 STEP 1: PERSONAL REVIEW Before we issue any recommendations, we conduct an extensive fact-finding mission to identify your objectives, time horizon, attitude toward risk and other circumstances that may play a role in shaping your investment strategy. STEP 2: ASSET ALLOCATION AND PORTFOLIO PLANNING We analyze your input and develop a financial strategy created to help you meet your specific needs in areas such as retirement, education and estate planning, as well as taxminimization strategies. We then present to you a comprehensive plan that helps to identify appropriate diversification strategies. STEP 3: PLAN IMPLEMENTATION After presenting you with a detailed strategy for your portfolio, we work closely with you to bring the elements to life. Should we decide that outside money managers are appropriate for you, we will rely on our research to select from the hundreds of investment-management firms competing for your business. Or perhaps you'd prefer individual securities; if so, we can identify specific stocks, bonds and other securities that would be suitable for your portfolio. Whatever approach we decide on, we will help keep your portfolio on track. STEP 4: ONGOING MONITORING AND REPORTING As you would expect, we believe that ongoing communication is a vital component of our business. We make every necessary effort to keep abreast of your changing financial needs and provide viable strategies to help you meet them. This means monitoring your portfolio at your request and when you feel that your circumstances have changed, we will try to make certain that your assets are positioned according to your evolving needs. If necessary, we recommend adjustments to your strategy to address any alterations to your objectives. Diversification does not guarantee a profit or protect against loss. MORGAN STANLEY SMITH BARNEY/7

8 Making Plans: We Will Do Them Together Smart planning starts with asking the appropriate questions and knowing where to find the answers. We know that reaching your goals requires a sound financial plan one you ll stick to when short-term worries and temptations threaten to cloud your judgment. We ll begin the planning process with a discussion of your goals and concerns. What do you want to do with your money? What do you want to have? What do you want to give to others? And what could stand in your way? Once we understand the answers to these questions, we ll create a complimentary, written comprehensive plan that can include the following components: Net worth analysis Every comprehensive plan starts with a thorough inventory of your assets and liabilities to help us assess your net worth, now and over time. The goal is to get all of your assets working together toward achieving your goals. Retirement analysis Your plan will identify how much you may need to have at retirement, and whether it will be enough to support you. We ll detail your sources of income and specify how much you ll need to save to overcome any projected shortfall. If you re retiring or changing jobs, your plan will include strategies for preserving the tax-deferred status of your company retirement plan. Asset allocation We will include a recommended investment strategy based on your goals, risk tolerance and time horizon. Education funding As part of the planning process, we ll ask about any education funding needs you may have for children or grandchildren. Your plan will estimate the future cost of education, provide a savings recommendation, and show the potential growth of various savings vehicles, including 529 College Savings Plans. Insurance If you have a family, you need to ensure that they ll be able to maintain their lifestyle in case something happens to you. We ll help you determine an appropriate level of insurance coverage and review your life, disability and long-term care policies. Equity compensation If you work for a publicly traded company, much of your compensation may be in the form of stock options and restricted stock. In your plan, we ll show you the potential gains and tax consequences associated with exercising options and selling company stock. Estate planning Based on the current and projected value of your assets, we ll estimate the amount of estate taxes your heirs may have to pay. We will work with your tax and legal experts to include strategies aimed at reducing those taxes, such as lifetime gifting, the proper titling of assets, and trusts. In creating your personal comprehensive plan, we will work to help identify your critical financial goals and establish a framework for pursuing them. Together, we ll pull the different parts of your financial puzzle into a thorough, integrated plan that s flexible enough to grow and change along with you. Let s get to work. 8/MORGAN STANLEY SMITH BARNEY

9 Wealth Management Is Not Just About Finances We all have two futures the one that just happens, and the one we actively shape. The difference is wealth management. It s important to us to manage our clients wealth, not merely their investments. There s a big difference. By taking a wealth management approach, we can help you determine what s really important to you, then develop strategies to help you realize your most cherished hopes. We ll go beyond investment management to look at not just your assets but your liabilities too; not just your account statements but your will and estate plan; and not just the cost of your lifestyle but the risks to it as well. Your comprehensive wealth management plan can address: Income and cash flow: Knowing what you want your money to help you do, and with a similarly thorough understanding of your assets and liabilities, we will map out a course to help you achieve the income you ll need, when you need it. Borrowing: We believe that how you invest and how you borrow are inextricably linked both sides of one balance sheet, one plan. Borrowing strategically, for example, can help fund a large expense, or give you a safety net if you re faced with a surprise layoff or tax bill, so you can spend what you need to spend instead of spending what you need to invest. Asset protection: By understanding the lifestyle you enjoy, and the one you re building toward, we can see the threats against it taxes, inflation, volatility, creditors, lawsuits, identify theft, tragedy and help you deal with them using trusts, insurance, portfolio diversification and other strategies from the arsenal of the world s largest financial services firm. Wealth transfer: We work with you, as well as with your tax and legal experts, to determine how you live, what your lifestyle will require in cash flow, what you want to pass to the next generation and the causes you care about. The result is a comprehensive plan that includes recommendations on trusts and estate planning, charitable giving, business succession and funding for estate taxes. Investment management: We believe that your plan for your life is the most important part of investing. Based on your financial status today, we will calculate the returns necessary to achieve your target and craft an investment program designed to help you reach it. And we ll implement the plan using one of the most powerful and intelligent investment platforms in the world, one that includes extensive research on investments and managers, asset allocation advice, ongoing monitoring and performance reporting. Business strategies: If you own a business, we can offer you a range of financing options and capital structures to support the growth of your business, advise you on your current debt structures and cash management, and help you establish a retirement plan for yourself and employees. When that retirement comes, we ll work with investment experts to help you create an exit plan. We understand that wealth management is not just about resources and capability. It s about how we use those resources with creativity, innovation, and flexibility. The simple truth is you have a lot more to manage than just your wealth. MORGAN STANLEY SMITH BARNEY/9

10 The Morgan Stanley Smith Barney Advantage Our approach is simple. We want to know as much as we can about our clients, so we re in the best possible position to help them. And that doesn t mean we just want to know about their finances True, we have to understand what your assets and liabilities are, and how your portfolio is structured. But the more important information has to do with your goals for yourself and your family, your feelings about where you are and where you hope to be and, of course, your fears, and the things that might prevent you from getting what you want. Because everyone is different, we tailor our recommendations for each client s unique set of goals and challenges. Maybe you want to retire at 55 and start a new business. Maybe you want to be able to pay both college tuition for your child and nursing home care for your mother. Maybe you re in the middle of a divorce and you want to ensure your children s inheritance doesn t go to the future spouse of your ex. This in-depth knowledge of you, combined with our in-depth knowledge of planning and investing, will help us create strategies aimed at trying to achieve the things you really want. And we have the freedom and the good fortune to implement those strategies using the products, services and skills of a large financial services firm. It s time to throw out your notions of what you can talk about with us. We look forward to the conversation. 10/MORGAN STANLEY SMITH BARNEY

11 Thanks for taking the time to review our information. Please call us anytime we might be of service.

12 The Riverwood Group at Morgan Stanley Smith Barney N17 W24222 Riverwood Drive ste 150 Waukesha, WI TELEPHONE: TOLL-FREE: FACSIMILE: *Under the Crescendo Business Services' FIVESTAR: Best in Client Satisfaction Wealth Managers, 30,000 to 80,000 consumers most likely to use the services of a financial services representative (identified by Crescendo) and 4,000 to 8,000 financial service professionals (identified by Crescendo) are asked to name and evaluate up to three financial advisors. The number of individuals in the sample varies based on the size of the local market. In addition to the survey results, other evaluation criteria, such as a minimum of five years' financial services experience, acceptable compliance records, and evaluation results by a panel of local industry experts are incorporated into the overall evaluation process. The final list identifies the wealth managers, of those evaluated, in the local market that score highest in client satisfaction. For more information on the rating methodology, go to The FIVESTAR Wealth Managers do not pay a fee to be included in the research or the final list of FIVESTAR Best in Client Satisfaction Wealth Managers. The overall evaluation score of a wealth manager reflects an average of all respondents and may not be representative of any one client s evaluation. The inclusion of a wealth manager on the list should not be construed as an endorsement of the wealth manager by Crescendo or Milwaukee Magazine. The rating is not indicative of the advisor's future performance. Morgan Stanley Smith Barney LLC and its affiliates do not provide tax or legal advice. To the extent that this material or any attachment concerns tax matters, it is not intended to be used and cannot be used by a taxpayer for the purpose of avoiding penalties that may be imposed by law. Any such taxpayer should seek advice based on the taxpayer's particular circumstances from an independent tax advisor Morgan Stanley Smith Barney LLC. Member SIPC.