The Michelle Parretti Group at Morgan Stanley Plan your future, invest with confidence
1 Technology Drive 3rd Floor, Westborough, MA 01581 508-870-7022 / MAIN 888-827-2901 / TOLL-FREE 508-870-7050 / FAX http://www.morganstanleyfa.com/ themichelleparrettigroup/ michelle.parretti@ms.com
As Financial Advisors, our role is to help you use your wealth to achieve what is most important to you. That may mean providing an education to children and grandchildren, buying a vacation home, meeting the special needs of a family member, retiring ten years early the list is endless, and the decision is uniquely your own. Together, we will explore your aspirations and the life you envision. We will work with you to translate your goals into a specific investment objective and personalized investment strategy. And then, drawing on the team s experience and perspective informed by the insight and resources of one of the world s largest financial firms we will structure a portfolio for you, executing and refining that strategy to help bring you closer to your definition of investment success. In short, your goals become our focus, and achieving them becomes a commitment that we share. THE MICHELLE PARRETTI GROUP 3
Meet the Professionals 4 MORGAN STANLEY
Michelle Parretti Financial Planning Specialist First Vice President Portfolio Manager I always ask my clients, What are your goals, but most importantly, what are your dreams? Drawing upon her many years of experience in financial planning, Michelle Parretti guides clients approaching their retirement years with proactive financial management and realistic goal planning. Michelle believes in staying closely connected to her clients. By keeping them informed and educated about the decisions made for their investments she also stays engaged in their changing needs or challenges. Michelle especially enjoys developing deep relationships with her clients and their entire family. Having been a single mother raising two young boys, Michelle understands the importance of family dynamics and the value having that understanding brings to providing solid investment advice. Upon graduation from Boston College in 1979, Michelle was drawn into her family owned retail business. This experience gave her first-hand knowledge in running a business and managing the finances. Michelle s Bachelor of Science degree in Nursing and major in Psychology are also key elements in how she manages her practice. When she launched her solo practice as a Financial Advisor in 1993, she found that her nursing and business backgrounds created a perfect synergy that translates into all of her client relationships today. Listening closely with compassion and knowing how to ask the right questions are an important part of developing the path her clients follow towards financial freedom. Michelle resides in Northborough. She continues to encourage her children to become responsible, resourceful young men, who will make positive contributions to the community in their chosen fields. She enjoys working in the garden with Bob and cooking delicious meals for her friends and family. THE MICHELLE PARRETTI GROUP 5
Caitlin Sauers Financial Advisor I have always enjoyed using my organizational skills to plan events for friends and family. I m now lucky enough to do this every day through planning the future for our clients. Specializing in client relationships, Caitlin Sauers applies her previous client service experience towards ensuring their questions and needs are addressed quickly. She focuses on maintaining current relationships with their clientele as well as increasing their client base according to their team principles. Caitlin works with Michelle in researching the best solutions for their portfolios and creating financial plans for their clients. In 2012, Caitlin was hand-picked by Michelle to join her team as a Financial Advisor and Partner. Prior to this position, Caitlin supported a number of Financial Advisors at Morgan Stanley, Michelle included, as a Client Service Associate. Through this role, she was able to gain insight into Michelle s business and how to continue to keep it running smoothly. Before joining Morgan Stanley, Caitlin worked in the New York City and Boston offices of DeMatteo Monness, as a Compliance Associate and Sales Assistant. This boutique broker dealer and expert network gave her special insight into unique and complex compliance needs of the business. Caitlin graduated on the Dean s List from New York University and holds her B.S. in Media, Culture, and Communication. She has held various internships in event planning, where her attention to detail was put to great use. While working in a nursing home as part of the Activities Department, she became especially tuned to the needs and wants of those around her. Caitlin lives in Worcester and enjoys running, hiking, and live music. 6 MORGAN STANLEY
Isabel Lopes Registered Client Service Associate Debbie Hebert Senior Client Service Associate THE MICHELLE PARRETTI GROUP 7
Asset Allocation and Portfolio Planning We will work together using a process that focuses on you and your goals, integrating investment decisions with your immediate financial needs and desired aspirations. This process encompasses four steps: 1 Personal review Before we can advise you, our team must understand you and your goals. We will guide you through an extensive discovery process to identify your objectives, time horizon, tolerance for risk and other considerations that may play a role in shaping your investment strategy. 2 Asset allocation and portfolio planning Your input drives the development of a personalized financial strategy. Designed to help you meet your specific needs, it addresses areas such as retirement, education expenses, estate planning and tax minimization potential. When our analysis is complete, we will present to you an investment strategy that helps to identify appropriate diversification for your portfolio. 3 Implementation After we have discussed and refined your strategy, we work closely with you to bring the elements to life. Should we decide that outside money managers are appropriate for you, we will 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 together, our team will help you keep your strategy on track. 4 Ongoing communications and reporting We view ongoing communication as the foundation of our successful collaboration with you. We will make every effort to keep abreast of your changing financial needs and provide 8 MORGAN STANLEY
viable strategies to help you meet them. This means reviewing your portfolio together at your request. When your circumstances change, we will work with you to revise your strategy and reposition your assets to reflect your new needs and goals. 9
Our team believes that staying closely connected with our clients helps them achieve their personal financial goals. When we work together, our clients 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 investment strategy. Our wealth management strategy will address key areas of your financial life with thoughtful recommendations for building and protecting your wealth. 10 MORGAN STANLEY
Morgan Stanley Financial Advisors do not provide tax or legal advice. This material was not intended or written to 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. Morgan Stanley Smith Barney LLC offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please contact us to understand these differences. 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. Unless otherwise specifically disclosed to you in writing, investments and services offered through Morgan Stanley are not insured by the FDIC, are not deposits or other obligations of, or guaranteed by, banks and involve investment risks, including possible loss of principal amount invested. Asset allocation and diversification do not guarantee a profit or protect against loss. Morgan Stanley Smith Barney LLC is a registered brokerdealer, not a bank. Where 2013 Morgan Stanley Smith Barney LLC. Member SIPC. 1643642 07/2013 CRC 696847