The Linn Eberly Group at Morgan Stanley A clear path to your goals
724 Columbia Street NW Suite 350, Olympia, WA 98501 360-943-2300 / MAIN 800-843-7564 / TOLL-FREE 360-357-6971 / FAX www.morganstanleyfa.com/thelinneberlygroup/ larry.d.linn@morganstanley.com (360)-704-2230 mike.eberly@morganstanley.com (360)-704-2244 michelle.m.eggers@morganstanley.com (360)-704-2231
The Linn Eberly Group at Morgan Stanley The Linn Eberly Group at Morgan Stanley understands that choosing a financial advisory relationship can be daunting and often times frustrating with a large selection of firms, philosophies, and styles from which to choose. How do you know which team of financial professionals to choose to help guide you through an ever changing maze of financial decisions while minimizing risk? The Linn Eberly Group is a wealth management team serving clients that value a team approach to professional financial guidance. We help navigate clients through a wide range of financial planning activities and services including retirement income generation, wealth preservation, strategic lending capabilities, and risk mitigation, to name a few. Our mission is to create a thoughtful long-term financial road map for our clients by understanding their complete financial picture, including not only liquid and physical assets, but also liabilities and unforeseen risks. Most importantly, this road map must remain flexible enough to adjust to changes in multi-generational family needs and priorities as well as seek to preserve a financial legacy for the people and charitable organizations that matter most to you. THE LINN EBERLY GROUP 3
Meet the Professionals Larry Linn Financial Planning Specialist First Vice President - Wealth Management Financial Advisor Left to right: Larry Linn, Michelle Eggers, Mike Eberly Larry has been with Morgan Stanley since 1999. Prior to joining the firm he spent 20 years in the U.S. Navy Civilian Engineer Corps becoming an expert in project planning, time value of money, and risk mitigation. Larry's responsibilities within the group include the oversight of our Financial Planning Process and managing custom portfolios for our clients seeking to maximize returns without taking unnecessary investment risk. Larry's work history and life experiences provide a solid foundation from which to advise clients on how to deal with unfamiliar and seemingly overwhelming financial situations. Larry is a graduate of the U.S. Naval Academy receiving a BS in Naval Architecture and a graduate of Texas A & M receiving an MS in Ocean Engineering. He is a member of the West Olympia Rotary Club and a former Board Member for the American Red Cross Mount Rainier Chapter. Larry grew up in Olympia and is a descendant of family that settled in Olympia in 1876. 4 MORGAN STANLEY
Michelle Eggers Senior Registered Associate Michelle is the group's heart and soul and has been with Morgan Stanley since 1995. Her experience in helping to meet client needs is paramount for the client to realize an overall rewarding experience. Her depth of knowledge with corporate systems and processes as well as financial rules and regulations makes her indispensable to the group for everything from security transactions, account maintenance, processing, and researching complex client questions. Michelle holds an AAS degree in the Fabrication of Orthotics and Prosthetics and moved from the eastside of the Cascades in 1990 to work in Olympia in that field. She holds a Series 7 and Series 66 in the investment industry. Michelle enjoys downhill and cross country skiing, golf, being outdoors, and volunteering. Mike Eberly Financial Advisor Mike joined Morgan Stanley in early 2013. Prior to returning to Olympia with his family, he developed wealth management strategies with clients while working at Merrill Lynch Wealth Management in Anchorage, Alaska. Mike has previous experience in banking, forest resource management, and is a veteran of the U.S. Army. Mike's responsibilities within the group include security analysis, maintaining cutting-edge practice management technology, and ensuring adherence to each client's wealth management plan. Mike received an AAS in Fish and Wildlife Management from Hocking College, a BA in Business Administration from St. Martin's University, and holds an MBA from the University of Alaska Anchorage. Mike lives locally with his wife and three children. THE LINN EBERLY GROUP 5
We Work to Understand the Full Scope of Your Financial Picture It starts with listening. We ask questions regarding your needs and dreams, your tolerance for risk, your time horizon and then 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. 1 2 1 Discovery process Identify your goals, values, dreams, special concerns/challenges 2 Develop investment strategy Determine risk tolerance Analyze current investment portfolio Develop asset allocation strategy Portfolio construction 6 MORGAN STANLEY
The Client Experience 3 4 5 6 7 8 9 10 3 Investment strategy meeting In-person meeting to present recommended investment strategy 5 Follow-up meeting In-person meeting to discuss: First statements Organization of paperwork Set up online account access (and review online resources) Develop schedule for 7 Wealth management plan meeting In-person meeting to present comprehensive wealth management strategies 9 Ongoing monitoring of investment strategy and wealth management plan Develop schedule for review meetings future review meetings Schedule wealth management plan meeting 4 Execution of investment strategy Open new accounts Transfer existing assets Conduct trades to execute agreed-upon investment strategy 6 Develop 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 management Plan meeting 8 Execute wealth management plan Ongoing execution of wealth management strategies 10 Re-evaluate investment strategy based on changes to goals, objectives and/or expectations Adjust investment portfolio and/or wealth management plan in light of any changes CRC#410861 18779636 10/2016
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. Balance sheet analysis Retirement planning Education planning Estate planning strategies Multigenerational planning Insurance Strategic consulting and transactions 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
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. IRA rollovers Roth conversions Building a unique legacy Estate planning strategies 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. 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. We 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. We 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 Helping strengthen 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 and lending services of Morgan Stanley. Credit facilities Cash management Retirement plans Strategic consulting and transactions Succession planning Helping protect 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. 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 Key-person insurance Helping meet 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 THE LINN EBERLY GROUP 9
If you currently do not have a trusted financial team facilitating your complete wealth management needs, or are simply questioning whether your current relationship is the right fit, please contact us to schedule a complimentary consultation. During our meeting we will listen and understand your concerns, explain our investment philosophy, and detail precisely what you can expect in the way of service. When you choose to be a client of The Linn Eberly Group you will have the comprehensive experience and guidance of our entire team working in concert for you helping to navigate the uncertainties and complexities of today's global financial markets. 10 MORGAN STANLEY
The investments listed may not be suitable for all investors. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, and encourages investors to seek the advice of a financial advisor. The appropriateness of a particular investment will depend upon an investor's individual circumstance and objectives. Morgan Stanley Smith Barney LLC ("Morgan Stanley"), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. This material was not intended or written to be used, and it cannot be used, for the purpose of avoiding tax penalties that may be imposed on the taxpayer. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters. 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. 2016 Morgan Stanley Smith Barney LLC. Member SIPC. 18779636 10/2016 CRC 1557594 CA Insurance Lic # 0F24602