Peter Y. Choy, CRPC Investment Management Consultant Senior Vice President - Wealth Management Portfolio Manager
80 East Rio Salado Parkway Suite 810, Tempe, AZ 85281 480-345-4704 / MAIN 800-227-3645 / TOLL-FREE 480-345-4777 / FAX peter.y.choy@morganstanley.com www.morganstanleyfa.com/peter.choy
Peter Y. Choy, CRPC Investment Management Consultant Senior Vice President - Wealth Management Portfolio Manager Managing wealth involves far more than managing an investment portfolio. It begins with developing a holistic, comprehensive understanding of who you are and the financial forces at work in your life. It means helping you understand and respond effectively to these forces. And, of course, it means helping you invest your assets in a way that reflects the realities of your life and the uniqueness of your long term goals. As a Financial Advisor, I am committed to building a relationship of trust in which I 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, I hope you will come to regard me as a valued resource and a professional who can help you make a more informed decision on any financial issue. My most important goal: to help you achieve your objectives, providing guidance that helps your wealth do more for you. PETER Y. CHOY 3
My Background Peter Y. Choy, CRPC Investment Management Consultant Senior Vice President - Wealth Management Portfolio Manager Peter is a Senior Vice President of Wealth Management, Portfolio Manager, Investment Management Consultant and a Chartered Retirement Planning Counselor with the Morgan Stanley office in Tempe, Arizona. He has over 15 years of industry experience with a focus on retirement planning and corporate client services. Peter began his academic career as a Cadet at the United States Military Academy, West Point. He is a graduate of Arizona State University with focuses in business and communication. Peter received his Executive's Certificate at the University of Pennsylvania Wharton School of Business in Philadelphia, Pennsylvania. His focus is to develop customized investment strategies and advise high-net-worth clients with a comprehensive perspective in wealth management. "My role is to help clients navigate significant life changes by offering solutions that focus on the short and long term outcomes of our collective decision making." PETER Y. CHOY 5
For Life's Most Important Goals With an experienced professional and the right resources, reaching your most important goals can be less challenging and more rewarding. I am ready to help you meet your goals, by combining my insight into your needs with the resources of Morgan Stanley. PETER Y. CHOY 7
A Consultative Process Charting a prudent course to financial independence requires a well-conceived, personalized financial plan with defined, long-term 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 the 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. 8 MORGAN STANLEY
Discover Analyze 2 I will analyze your personal and financial information, assess risks, and identify potential threats to your financial health. Then I 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 My 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, I 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, I will work with you to revise your strategy and reposition your assets to reflect your new needs and goals.
My Consultative Process Charting a prudent course to financial independence requires a wellconceived, personalized plan with defined long-term goals. My wealth advisory consultative process can help you design a cohesive plan for the future that includes: 10 1 Discovery Before our first meeting, I suggest that you take a fresh inventory of your wealth, including where each asset is located and what it is worth. At that meeting, I will begin by exploring many questions to try to capture what matters most to you and fully understand what you want to accomplish with your wealth. We will talk about you, the kind of lifestyle you enjoy, what worries you and what you are passionate about. Our conversation will also explore your values, key relationships, total assets, preferred manner of communication, as well as identify the other professional advisors with whom you work. That way, I can help you determine how all the facets of your financial situation could dovetail effectively. MORGAN STANLEY 2 Analysis and recommendation Based on our discussion, I will analyze your personal and financial information, including liabilities, and assess risks and identify potential threats to your financial health. I will present you with a personalized plan that can help address your income and cash flow needs, borrowing requirements, asset protection, retirement planning, wealth transfer, philanthropy and other areas beyond investment management. By taking the additional time to carefully review these topics, I hope to make you comfortable with proposed investment strategies and service providers before implementing your wealth plan. 3 Implementation After you have approved your wealth plan, I will work closely with you to implement it, bringing an objective approach, and paying special attention to how the various parts of your plan can affect, enhance and integrate with each other. Wherever appropriate, I will suggest seeking additional, in-depth advice on particularly complex issues we have identified, including family-dynamics, estate planning, lending, tax planning strategies and more. Whatever approach we decide on, I will help you keep your investments on track. 4 Reviewing objectives I believe that ongoing communication is a vital component of our ongoing relationship, and I am committed to keeping abreast of your changing financial needs. Your financial documents provide the foundation for regular meetings, and I will review your portfolio at your request and whenever you feel that your circumstances have changed. I will then seek to make certain that your assets are positioned according to your evolving needs. If necessary, I will suggest adjustments to your strategy to address changes in your circumstances or your objectives.
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 my top priority. Drawing on my own insight, as well as Morgan Stanley s global research and experienced financial specialists, I am 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
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#410872 6366488 12/2014
Awards Recognized as a Five Star Wealth Manager in Phoenix Magazine, 2013 & 2014 Recognized as a NABCAP Premier Advisor in Phoenix Business Journal, 2011 & 2012 Masters Club Member, 2011, 2012, & 2013 Century Club Member, 2009 & 2010 Chairman Club Member, 2007 Executive Club Member, 2005 & 2006 National Director's Award, 2002 Publications Practice featured in Forbes Magazine, October 2013 issue 14 MORGAN STANLEY
Start the Conversation I am dedicated to providing you with the strategies and resources that can help you achieve your retirement goals in today s changing financial environment. The Retirement Standard is meant to help connect all the pieces of your financial life with a comprehensive plan of action designed to help put you on a path to the retirement you envision.
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. 2014 Morgan Stanley Smith Barney LLC. Member SIPC. 6366488 12/2014 CRC 673452