Steven M. Coplin Founder and leader of one of Southwest Florida s exclusive boutique financial advisory groups, Steven Coplin is a fully licensed professional and has been managing clients portfolios for more than 20 years. The Coplin Wealth Management Group at Morgan Stanley provides highly customized financial solutions and caters to the wide-ranging financial needs of high and ultra-high net-worth individuals, families and institutions. As The Coplin Wealth Management Group s Senior Portfolio Manager, Steven builds globally diversified portfolios with a goal of producing competitive riskadjusted performance based on each client s unique goals. One of the top financial advisors at Morgan Stanley, Steven is also one of the few advisors, and the only one in the Naples and Southwest Florida markets, to have earned the distinction of Family Wealth Director. In managing client s portfolios, Steven lives by the motto it is not just about what you earn, but what you keep that matters and emphasizes the importance of tax efficiency and net returns. A big fan of various sports and music, Steven also plays guitar and is the principal songwriter in a band. He also loves to travel and spend time with his two daughters.
Accolades Steven has received local, national and industry recognition for his ability as a financial advisor and has been featured as a guest speaker at industry conventions. In 2015, for the fourth consecutive year, Steven was selected as a Five Star Wealth Manager by Gulfshore Life Magazine. In 2014, Steven was named to Morgan Stanley s prestigious President s Club, an elite group composed of the firm s leading Financial Advisors. In 2011, Steven was selected as one of 40 financial advisors, out of more than 17,000 firm-wide, who was invited to and attend the ishares on campus conference at Stanford University, an exclusive educational program featuring leading faculty from Stanford University Graduate School of Business. Steven has been recognized and featured as one of 2010 Barron Magazine s Top 1,000 Financial Advisors in the Country.
Ryan M. Sherman, CFP Ryan Sherman has been in the financial industry for over 8 years. As Financial Advisor and Portfolio Manager, Ryan has a disciplined approach to managing portfolios with his main focus on studying trends that shape the investment environment, drive the economy and ultimately impact clients performance. Delivering extensive up-to-date research and information, Ryan works closely with Steven and Caroline to create customized investment strategies, portfolios and solutions and is responsible for continuously monitoring investment performance. Ryan is also a CERTIFIED FINANCIAL PLANNER and focuses on creating comprehensive financial plans for ultra-high net worth clients, concentrating on risk management, investments, tax planning and estate planning. Prior to joining Morgan Stanley, Ryan spent two years in Vienna, Austria doing humanitarian work. Born and raised in Florida, Ryan moved to Naples with his wife, Heather, in 2010. During his free time, Ryan enjoys boating, fishing and football.
Caroline C. Allegret, cfp All members of The Coplin Wealth Management Group abide by the belief that every relationship should start with a comprehensive financial plan. As a Financial Planning Specialist, Caroline has focused her talents on providing strategies dealing with education planning, liability management, retirement planning, and asset allocation. She is committed to helping clients understand the interconnected nature of investments, insurance, retirement and estate planning and in helping them accomplish the financial goals they have set for themselves. As a Financial Advisor member of The Coplin Wealth Management Group at Morgan Stanley, Caroline works closely with Steven and Ryan in the design and implementation of customized wealth management strategies, and is responsible for ensuring the efficiency of the practice. Caroline was named a Southwest Florida 2015 Five Star Wealth Manager by Gulfshore Life Magazine. Caroline has an MBA in Finance and a BS degree with a major in Finance from Florida Gulf Coast University. She has obtained her Series 7, 66, & 31 licenses as well as her insurance license, is a CERTIFIED FINANCIAL PLANNER professional, and has met the CFP Board s education, examination and experience requirements. Caroline is originally from the south of France and moved to Naples, FL in the year 2000. In her spare time, Caroline enjoys spending time with her family, traveling, cooking and bike riding.
Carrie G. Nell As a Senior Registered Associate, Carrie prides herself on providing exceptional client service. Her focus is on providing cross-functional account and administrative support for client portfolios, including the opening of accounts, and ongoing account administration. While handling day-to-day account operations, Carrie is also responsible for ensuring a seamless transition for new clients and implementing financial solutions for all clients. Carrie has been an employee of Morgan Stanley for over 13 years, having worked in a wide array of roles. She left her previous role as the Complex Business Service Officer, managing a team of 4 Service Managers who had in excess of 80 direct reports. She holds her Series 7, 66, 31, 9, and 10 licenses. In her spare time, Carrie enjoys spending time with her family and traveling.
Stacey L. Herring PRIVATE BANKER EMPLOYEE OF MORGAN STANLEY PRIVATE BANK NA Stacey is a Private Banker at Morgan Stanley with 20 years of banking experience. Before joining Morgan Stanley, Stacey oversaw the mortgage loan officer s sales production for the Naples, Marco Island, Bonita Springs, and Estero market areas for SunTrust Bank. Stacey specializes in the high-end affluent clientele and offers expertise regarding residential mortgage loans, securities based lending, tailored lending credit facilities, and cash management products and services. A strong leader in the community, Stacey is a philanthropist and has been very involved in many community organizations. In addition, Stacey is a graduate of the Greater Naples Chamber of Commerce Leadership Collier Class, 2013, and was awarded the Community Foundation of Collier County s Women of Initiative Award in 2014. A native of Fort Myers, FL, Stacey is a graduate of Florida State University with a Bachelor of Science Degree in Business, with a minor in Communications.
Adding value as a team: We believe in providing our clients with a comprehensive, holistic approach to financial planning and investing. Our role is to work with you to help you develop a plan that lays out a clear path to your goals. Together, we will explore a broad range of topics that are likely to influence your financial future - from your family situation to your career aspirations, from likely education expenses to the retirement you ultimately envision. What we learn will become the foundation for a financial and investment strategy based on who you are and where you want to go. Only then we will talk about the details of investing: how much risk makes sense, your asset allocation, and which investments are right for your portfolio. But that s just the beginning. Over time we will revise your plan to reflect new aspirations and priorities, helping your plan keep pace as the markets change and your life unfolds.
Our approach: As a team, we adhere to a disciplined process that delivers a consistent yet customized wealth management experience. WE CONSTANTLY STRIVE TO: Deliver best in class advice and guidance Educate our clients on every recommendation we make Fulfill our pledge of leaving no stone unturned Maintain a two-way communication with our client Provide each client with a customized wealth management experience Reduce our clients risk exposure by always incorporating diversification within their portfolios Seize market opportunities and relentlessly think outside the box in our investment methodology A financial advisory practice is only as strong as its financial advisors and only as credible as the advice it offers. We earn your confidence by managing your wealth, not merely your investments. -Steven Coplin
In order to proactively address any changes in our client s financial situation and to ensure ongoing satisfaction, we strongly encourage the following* : (face-to-face or over the phone) to review investment performance, portfolio rebalancing & current strategy. A phone call from us once a month to discuss your portfolio in the light of current market conditions. Weekly newsletters and monthly market updates will be sent out to your email. Any changes on your part pertaining to your financial situation should be reported to us, to ensure the strategy in place stays current. Your attendance to special, educational events at least once a year. * IF YOU WISH TO OPT OUT OF ANY OF THESE SERVICES, PLEASE ADVISE US SO.
Financial Goals Retirement Plans Wills Goal Protection Education Planning Statement of Goals 401(k) Health Care POA Life Insurance Review Child 529 Plans Financial Plan IRA SEP, Keogh Living Will Durable FOA Corporate vs. Personal Coverdell Education Savings Accounts Investment Mgmt. Retirement Income Trust Expense Mgmt. Child Living Expenses Investment Strategy Social Security Living Trust Credit Cards Special Needs Manager Selection Income Planning Testamentary Trust Budgeting Custodial Accounts Asset Allocation Stocks, Bonds, Cash Commodities Risk Tolerance Income Protection Long-term Care Annuities Heirs Beneficiary Planning Estate Transfer - Gifting Strategy Liability Insurance Umbrella Coverage Asset Protection Job Transition IRA Rollover Savings Plan Tax Planning Taxable vs. Tax Free Tax Swaps Charitable Gifting Charitable Trusts Charitable Deduction Planning Lending Needs Securities-based Financing Other Lending Many of these topics may include products and services which are provided by Morgan Stanley Smith Barney LLC or affiliates and may not be available in all areas. Some of these services are provided by third parties including the client s personal tax advisor or attorney for matters involving taxation and tax planning and his or her personal attorney for matters involving trust and estate planning and other legal matters
The first meeting is all about you. We will meet with you to learn more about your needs, your goals and your concerns. To ensure that we are able to provide you with comprehensive wealth management advice and connect all the pieces of your financial life into a sound financial plan, we will be discussing the following topics: Investments/Retirement Accounts Cash Flow/Tax Information Liability Management Education Planning Insurance Wealth Transfer
Here s what you can expect: As a new client of The Coplin Wealth Management Group, you will receive a Welcome Aboard Onboarding Package, which comprises a new client guide outlining the next steps and what resources are now available to you. We will ensure a smooth transition of your accounts to Morgan Stanley and will handle every little detail to your satisfaction. Together, we will create a strategy to organize your expenses, capitalize on your resources, protect your assets and work toward achieving your goal.
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 circumstances and objectives. Borrowing against securities may not be suitable for everyone. If the value of the securities should decline below a minimum level, you may be subject to a collateral call without specific advance notice, requiring you to deposit additional cash or securities. If you cannot do so, all or a portion of your collateral could be liquidated, and a potentially taxable event could result. You are not entitled to choose which securities are sold or any extension of time to meet a collateral call. A concentrated portfolio holding a single or a few securities may be subject to greater risk of a collateral call than a diversified portfolio; a diversified portfolio will tend to be less subject to a sharp decline resulting from the negative performance of a single security. Availability, qualifications, and other restrictions may vary by state. Ask your Financial Advisor for details. Tax laws are complex and subject to change. Morgan Stanley Smith Barney LLC ( Morgan Stanley ), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice and are not fiduciaries (under ERISA, the Internal Revenue Code or otherwise) with respect to the services or activities described herein except as otherwise agreed to in writing by Morgan Stanley. This material was not intended or written to be used for the purpose of avoiding tax penalties that may be imposed on the taxpayer. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a retirement plan or account, and (b) regarding any potential tax, ERISA and related consequences of any investments made under such plan or account. Morgan Stanley Smith Barney LLC offers insurance products in conjunction with its licensed insurance agency affiliates. Since life insurance and long term care insurance are medically underwritten, you should not cancel your current policy until your new policy is in force. A change to your current policy may incur charges, fees and costs. A new policy will require a medical exam. Surrender charges may be imposed and the period of time for which the surrender charges apply may increase with a new policy. You should consult with your own tax advisors regarding your potential tax liability on surrenders. Morgan Stanley Smith Barney LLC, member SIPC
Source: Crescendo Business Services FIVE STAR Wealth Manager Overall Satisfaction Award, March 2011, 15,000 to 250,000 consumers most likely to use the services of a financial services representative (identified by Crescendo) and 1,500 to 30,000 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 overall satisfaction. For more information on the research methodology, go to www.fivestarprofessional.com/wmresearch. The FIVE STAR Wealth Managers do not pay a fee to be included in the research or the final list of FIVE STAR 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 GulfShore Life Magazine. The rating is not indicative of the Financial Advisor s future performance. Asset allocation and diversification do not guarantee a profit or protect against loss. Source: Barron s America s Top 1000 Financial Advisors, February 22, 2010. Barron s is a registered trademark of Dow Jones & Company, L.P. All rights reserved. Barron s America s Top 1000 Financial Advisors bases its rankings on qualitative criteria: professionals with a minimum of 7 years financial services experience, acceptable compliance records, client retention reports, customer satisfaction and more. Advisors are quantitatively ranked based on varying types of revenues and assets advised by the financial professional, with weightings associated for each. Because individual client portfolio performance varies and is typically unaudited, this ranking focuses on customer satisfaction and quality of advice. For more information on ranking methodology, go to http://online.barrons.com/report/ top-financialadvisors or contact Barron s Associate Editor, Matt Barthel, at matthew. barthel@barrons.com. The rating may not be representative of any one client s experience because it reflects a sample of all of the experiences of the advisor s clients. The rating is not indicative of the advisor s future performance. Neither Morgan Stanley Smith Barney nor any of their financial advisors pay a fee to Barron s in exchange for the rating.
The Coplin Wealth Management Group at Morgan Stanley 8889 PELICAN BAY BLVD, SUITE 300, NAPLES, FL 34108 DIRECT : FAX : TOLL FREE : Email address : (239) 449-7849 (239) 236-1273 (800) 237-8686 thecoplinwmgroup@morganstanley.com CRC # 720992 09/14