The Watts Group at Morgan Stanley Investment Management Financial Counsel
222 Central Park Avenue Suite 1800, Virginia Beach, VA 23462 757-493-2100 / MAIN 800-622-3430 / TOLL-FREE 866-766-4930 / FAX http://www.morganstanleyfa.com/thewattsgroup gregory.watts@morganstanley.com
The Watts Group at Morgan Stanley 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 Financial Advisors, we are committed to building a relationship of trust in which we 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, we hope you will come to regard us as a valued resource and professionals who can help you make a more informed decision on any financial issue. Our most important goal: to help you achieve your objectives, providing guidance that helps your wealth do more for you. THE WATTS GROUP 3
Meet the Professionals 4 MORGAN STANLEY
Gregory A. Watts, CMFC Wealth Advisor Senior Vice President Greg joined Morgan Stanley in 1981 after receiving a Bachelor of Science degree in Economics from Virginia Tech. He has received the Wealth Advisor designation and is a Chartered Mutual Fund Counselor. As an industry veteran, he brings significant experience and knowledge to the process of helping clients meet their individual financial goals. He has built long term relationships by blending prudent counsel, informed judgment, and sound advice with genuine concern for his clients. His approach is to help clients understand the context of their financial situation, guide them in setting appropriate financial objectives, and work with them in managing their assets to reach their objectives. Modern financial markets are complex and fast-paced, requiring a level of competence and capital beyond the scope of most individual investors. For these reasons, Greg believes that engaging world-class institutional portfolio managers is the most effective and efficient means of accessing global securities markets in a manner that maximizes returns and controls risk. Taking a comprehensive, collaborative approach means actively providing advice and counsel as appropriate and making himself available and accessible when needed. Keeping clients informed, making recommendations, and providing regular portfolio monitoring are all part of the ongoing planning and investment management process. Greg was named One of America's Top 1,000 Financial Advisors by Barron's in 2011 and 2012, and One of Virginia's Top Financial Advisors in 2005-2008, and 2011 by Virginia Business Magazine. Licensed and registered as both an Investment Adviser and a Registered Representative, Greg is also licensed with the New York Stock Exchange and the NASDAQ Stock Market. He has served as the Co-Chairman of the Morgan Stanley Financial Advisor Council and as a member of the Morgan Stanley Technology Council. He is a member of the Morgan Stanley President's Council, an Associate Member of the Association of Christian Economists, and a member of the Omicron Delta Epsilon International Economics Honor Society. He enjoys stand-up paddle boarding, hiking, fishing, and shooting sports. He serves as a Regional Board Member with Hope International, a Group Leader with Bible Study Fellowship, and is active in his church. Greg and his wife, Helene, have two grown children and live in Virginia Beach. THE WATTS GROUP 5
Betzaida Mancebo Senior Registered Client Service Associate Financial Planning Associate Betsy joined Morgan Stanley in 1990 and brings nearly 30 years of industry experience to the practice. She received her Associates Degree in Marketing Management and Sales from New York City Technical College in 1984. As a Senior Registered Client Service Associate, Betsy brings significant operational experience and expertise to the practice, as well as conducting planning and portfolio review and assessment preparation. She is Series 7 and Series 66 licensed and has received the Financial Planning Associate designation from Morgan Stanley. Betsy has served as Assistant Branch Operations Manager and as a member of the Morgan Stanley Client Service Associate Council. As a cancer survivor, Betsy is actively involved in breast cancer awareness, education, and research fundraising. She enjoys spending time with her husband, Lou, two daughters, and granddaughter and lives in Virginia Beach. Shandra Smith Client Service Associate Shandra joined Morgan Stanley in 2004 and combined with her previous career in banking, brings nearly 15 years of industry experience to the practice. As a Client Service Associate, Shandra brings considerable experience in serving the operational and administrative needs of clients. She is currently working toward her Series 7 and Series 66 licenses. In her spare time, Shandra enjoys running and baking. She is actively involved in her church, serving in the youth ministry and as a mentor and counselor to young women. She and her husband, Perry, live in Virginia Beach. 6 MORGAN STANLEY
Asset Allocation and Portfolio Planning We will work together using a process that focuses on you and your goals, integrating investment decisions with pressing financial needs and desired aspirations. Moreover, we will support you and your strategy with the resources and perspective of one of the world s largest financial firms. 1 Before we can advise you, we 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. 8 MORGAN STANLEY
Discover Diversify 2 When our analysis is complete, we will present you with a comprehensive plan and asset allocation that helps to identify appropriate diversification strategies. Designed to help you meet your specific needs, these recommendations may address areas such as retirement, education expenses, estate planning and minimizing taxes. Review Implement 3 The team will work closely with you to bring the elements of your plan to life, helping you to select from the hundreds of investment management firms available to you, and identify specific stocks, bonds and other securities that may be suitable for your portfolio. Then we will closely monitor your portfolio. 4 We will review your portfolio together at your request. And when your circumstances change, the team will work with you to revise your strategy and reposition your assets to reflect your new needs and goals.
We endeavor to provide sound investment management and prudent financial counsel within a comprehensive wealth planning context. 10 MORGAN STANLEY
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 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
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. IRAs: - Traditional - Roth IRA rollovers Roth conversions Building a unique legacy Estate planning 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. Strengthening 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 services of Morgan Stanley. Credit facilities Cash management Retirement plans Strategic consulting and transactions Succession planning Protecting 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. Meeting 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 Lending services Securities-backed loans THE WATTS GROUP 13
Awards Barron's - Named One of America's Top 1,000 Financial Advisors, 2011, 2012 Virginia Business Magazine - Named One of Virginia's Top Financial Advisors, 2005-2008, 2011 Reference Morgan Stanley - President's Council Member Morgan Stanley - Financial Advisor Council Co-Chairman, 2008-2010 Morgan Stanley - Technology Council Committee Member, 2009-2011 Chartered Mutual Fund Counselor Association of Christian Economists - Associate Member Omicron Delta Epsilon International Economics Honor Society - Member Hope International - Regional Board Member Bible Study Fellowship - Group Leader Tidewater Independent Schools Young Life - Committee Chairman, 2006-2011 14 MORGAN STANLEY
Morgan Stanley strives to offer clients the finest in financial thinking, products and execution to help them meet their individual needs and achieve their personal financial goals. When we work together, you ll 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 beyond traditional investments and may incorporate diverse recommendations for building and protecting your wealth.
Virginia Business Magazine's Top Financial Advisors, 2005-2008 and 2011, as identified by The Winner's Circle, LLC, 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. With over 7,000 nominations compiled on an annual basis, Financial Advisors are quantitatively ranked based on varying types of revenues and assets advised by the financial professional, with weightings associated for each. Additional measures include: in-depth interviews and discussions with senior management, peers, and customers, and telephone-based and in-person interviews with the nominees. 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 www.wcorg.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 Financial Advisor's clients. The rating is not indicative of the Financial Advisor's future performance. Neither Morgan Stanley Smith Barney LLC nor its Financial Advisors pay a fee to The Winner's Circle in exchange for the rating. 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. 3095483 09/2014 CRC 990617