Comprehensive, Integrated Wealth Management (left to right) David Adler, Terri Grigaitis and Alan Blender One Tower Bridge, Suite 600 100 Front Street, West Conshohocken, PA 19428 610-260-8645 theblendergroup@mssb.com www.morganstanley.com/fa/theblendergroup LLC. Member SIPC.
The Blender Group s Members Alan M. Blender, CIMA, CFP, CWS Senior Vice President Senior Managing Portfolio Director Alan has more than 25 years of experience in the financial service industry. After completing advanced study, he received a Certified Investment Management Analyst SM (CIMA ), Certified Financial Planner TM (CFP ), Certified Wealth Strategist (CWS ) and Certified Public Accountant (CPA) (non-practicing CPA) designations. Alan was previously on the board of the National Tay-Sachs and Allied Diseases Association, Inc. He is often requested to participate and speak to financial organizations and businesses. He is a Watch enthusiast, enjoys cooking and has recently taken up golf. Alan and his wife live in Bryn Mawr, Pa. and have two sons. page 2
The Blender Group s Members David Adler Senior Registered Client Service Associate David worked with Wachovia Securities, LLC for 11 years. Prior to that, he worked as a Chemist with Rohm and Haas Company, Teva Pharmaceutical Industries, Ltd. and Merck & Co., Inc. David s primary responsibility is to service our clients and work with advanced administrative issues. David lives in Collegeville, Pa. with his wife Shari. In David s spare time he enjoys spending time with family and friends. He is also an avid Philadelphia sports fan. Terri Grigaitis Senior Client Service Associate Terri has been in the Financial Industry for over 21 years. She handles daily administrative functions and maintains constant client contact. In Terri s spare time, she enjoys her volunteer work with the Delaware County PA Special Olympics and St. Johns Hospice. page 3
The Blender Group s Mission To help you and your family realize your vision of the future, achieve your goals and meet your needs. You will significantly benefit from our work to create your comprehensive integrated plan to help grow, protect and transfer your wealth. page 4
Integrated Services for High Net Worth Relationships Our 4-Step Wealth Management Process 1) Understanding your vision, goals and current situation 2) Analysis and construction of your customized integrated wealth plan 3) Application of your plan; implementing strategies concerning key wealth management issues, such as investments, liabilities, estate planning, charitable giving and inter-generational wealth planning 4) Review and refine your plan with you and your legal and tax advisors page 5
Integrated Services for High Net Worth Relationships Wealth Management Services Asset Management Liability & Lending Management Wealth Transfer Planning Charitable Planning Family Wealth Issues Retirement Planning Trust and Fiduciary Services* Corporate Executive Planning * Trust and other fiduciary services are provided by third parties, including Morgan Stanley Trust National Association, a wholly-owned subsidiary of Morgan Stanley page 6
Integrated Services for High Net Worth Relationships Our Commitment to You Effective Communication Complete Objectivity Generational Experience Academic Competency Total Privacy page 7
Integrated Comprehensive Family Wealth Management We bring together your family and advisors to help you meet your life goals. Family Life Plan Financial Independence Retirement Planning Estate Planning Liability Issues Family Planning Financial Goals Retirement Plans Wills Goal Protection College Planning Statement of Goals Financial Plan 401(k) Beneficiaries IRAs Health Care POA Living Will Durable POA Life Insurance Review Corporate vs. Personal Child & Grandchild 529 Plans Custodial Accounts Education IRAs Investment Management Social Security Trusts Income Protection Child Living Expenses Investment Policy Manager Selection Benefits Analysis Spousal Income Credit Shelter Special Needs Generation Skipping Residence Trust Disability Insurance Special Needs Asset Allocation Stocks Bonds Cash Risk Tolerance Healthcare Medigap Insurance Long Term Care Heirs Beneficiary Planning Annual Gifting Estate Transfer Transfer on Death Asset Titling Liability Insurance Umbrella Coverage Asset Protection Long Term Care Parents Healthcare Living Expenses Housing Tax Planning Charitable Giving Lending Needs Taxable vs. Tax Free Tax Reduction Plan Charitable Trusts Bequests Donor Advised Funds Legacy Planning Personal Business page 8
Relationship Scenario A couple in their 60s sold their family-owned business that they have managed for the last 10 years for cash and stock of a Public Company. Our multi-generational relationship with the family began with their parents when they started the business. The couple has two children and three grandchildren. We analyzed their risk of concentrated stock ownership, and developed and executed a financial strategy to help reallocate their assets for lifelong cash flow. In several years since we have worked with this couple, we have addressed wealth transfer and charitable strategies to help benefit their children and charitable inclinations. page 9
(MSSB) 3-Key Benefits in Working with Our Firm MSSB offers premier access to global financial resources to meet the unique asset management needs of our relationships MSSB offers meaningful intelligence about every major asset class and a presence in every major market MSSB offers a profound understanding of the full range of Wealth Management needs LLC, its affiliates, and Financial Advisors and employees are not in the business of providing tax or legal advice, and these materials and any statements contained herein should not be construed as tax or legal advice. Individuals are urged to consult their personal tax advisor or attorney for matters involving taxation and tax planning and their personal attorney for matters involving trust and estate planning and other legal matters page 10
Wealth Management We fully leverage the best of to help you capitalize on opportunities and simplify the management of multigenerational needs. Structuring & Planning Asset Management Retirement planning Asset allocation Education planning Estate planning Cash flow analysis Insurance planning Fiduciary/trust services Philanthropic planning Consulting Group manager analysis and review Strategic fixed-income investing Private equity and other alternative investments Currency management Clearance custody Relationship Risk Control & Liquidity Advisory Services Securities-based loans and lines of credit Tailored and specialized lending such as commercial real estate lending Hedging and monetization strategies Advice on concentrated or restricted holdings Global capital markets and trading Business succession and exit strategies (ESOP) Family governance and dynamics advisory Real estate advisory and lending High Net Worth lines of credit and lending; executive aircraft and art Art advisory and curatorial management
Resources Our resources allow us to service virtually all our clients financial and investment needs internally, helping to simplify the financial planning process. Financial Planning Retirement Planning Estate and Trust Planning Asset Allocation Analysis Bank Services Cash Flow Analysis Education Planning Employee Stock Option Analysis Bank Deposit Program Financial Management Account: Check Writing, ATM, Electronic Bill Payment Travel and Rewards Program Access Lending Mortgage Loans Preserved Asset Mortgage Home Equity Lines of Credit High Net Worth Loans Tailored Lending Relationship Asset Management CG Consulting Group Professional Money Managers MDA Multi-Disciplined Discretionary Strategies Portfolio Management Group Fixed Income High Net Worth Program Advisor Fee Based Investment Account Mutual Funds Insurance Universal/Whole/Term Life Insurance Annuities Estate Planning Long Term Care Insurance Disability Insurance Second-to-Die Insurance for Estate Taxes Estate Preservation Services Philanthropic Gifting for Tax/Estate Planning Irrevocable Life Insurance Trusts Business Services Business FMA Lending/Lending Retirement Plans: 401(k), Profit Sharing, Pension, SEP, SIMPLE Deferred Compensation Executive Financial Services Employee Stock Plan Services Exit Strategies (ESOP/Geneva) Securities Common and Preferred Stocks Bonds-Government, Corporate and Tax exempt Municipals Money Market/Certificates of Deposit (CDs) Equity Structured Products Alternative Investments Annuities