Northwest Capital Group at Morgan Stanley Dedicated to Building and Preserving Your Wealth
500 108th Ave NE, Ste. 1900 Bellevue, WA 98004 855-280-6587 / TOLL-FREE 425-453-5800 / MAIN 425-453-5802 / FAX www.morganstanleyfa.com/ northwestcapitalgroup NorthwestCapitalGroup@morganstanley.com
We believe that 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. NORTHWEST CAPITAL GROUP 3
Meet the Professionals Financial Advisor Team: John Stoeser, Debra Morrow, Patrick Sheehan and Brett Barton 4 MORGAN STANLEY
John F. Stoeser, CFA Senior Portfolio Management Director Senior Vice President Financial Advisor John has worked in the investment industry for over 26 years and received the Chartered Financial Analyst (CFA ) designation in 1991. John joined Northwest Capital Group at Morgan Stanley in 2001. As Senior Portfolio Management Director, John is responsible for discretionary management of individual and foundation client investment portfolios through Morgan Stanley s Portfolio Management Program. John also provides wealth planning advice to high net worth clients based on their goals and unique circumstances. John s previous professional investment experience included management of an equity mutual fund in excess of $1 billion for Citigroup Asset Management (1998-1999); management of a high yield bond fund for Safeco Asset Management (1996-1997); industry research analysis covering technology, real estate, and media for Safeco Asset Management (1991-1997). John was selected by Seattle Magazine to receive a Five Star Wealth Manager Best in Satisfaction award for the years 2012-2017. NORTHWEST CAPITAL GROUP 5
Patrick Sheehan Financial Planning Specialist Vice President Financial Advisor Patrick began his career with Morgan Stanley in 2004. As a Financial Planning Specialist with the Northwest Capital Group at Morgan Stanley, Patrick works with high net worth families and individuals to bring a holistic approach toward clients' financial plans and goals, with an emphasis on prudent risk management and long term investments. Patrick's financial planning experience adds an important dimension to our team's ongoing consultative approach to the wealth management process. As an insurance and annuity licenses advisor, Patrick offers 401K retirement plan reviews and insurance reviews for individual estate planning needs. Patrick has been recognized by Seattle Magazine as a Five Star Wealth Manager for the years 2012-2017. 6 MORGAN STANLEY
Debra L. Morrow Financial Advisor Debra has over twenty-five years' experience in the financial services industry, including over seventeen years at Morgan Stanley. As a member of Northwest Capital Group, Debra has worked with successful individuals, families and business owners delivering a personalized approach to wealth planning. Debra works with clients to develop a comprehensive financial plan based on an in-depth understanding of each client's lifestyle, financial situation and goals. Debra provides advice on investment strategies, risk management, customized portfolios and insurance solutions. Debra works with clients to implement investment solutions to help clients achieve goals and protect wealth. Ongoing support, monitoring progress toward each designated plan and building relationships with client's other trusted advisors are key elements of our wealth management process. Debra is committed to providing sound, unbiased financial advice helping clients maximize the growth, preservation and transfer of their wealth. NORTHWEST CAPITAL GROUP 7
Brett Barton Senior Vice President Financial Advisor Brett started in the financial services industry in the Pacific Northwest in 1993. As a Financial Advisor with Northwest Capital Group, Brett's focus is working with affluent families and their trusted advisors to deliver customized credit, investment, philanthropic and wealth transfer strategies. He does this by initially employing a comprehensive and thorough plan with his clients to understand the current and future goals of the client and their family. In this era of increasing complexity, he strives to make the financial lives of his affluent clients easier by being a key advisor and resource for his clients and their families to ensure that their goals are on track. Prior to joining Morgan Stanley, Brett was at U.S. Trust where he managed a portfolio of over $250 million and specialized in developing strategic solutions for high net worth individuals and their businesses. 8 MORGAN STANLEY
Our Consultative Process Charting a prudent course to financial independence requires a well-conceived, personalized plan with defined long-term goals. Our wealth advisory consultative process can help you design a cohesive plan for the future that includes: 2 Analysis and recommendation 1 Discovery Before our first meeting, we suggest that you take a fresh inventory of your wealth, including where each asset is located and what it is worth. At that meeting, we 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, our team can help you determine how all the facets of your financial situation could dovetail effectively. Based on our discussion, the team will analyze your personal and financial information, including liabilities, and assess risks and identify potential threats to your financial health. We 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, we 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, we will work closely with you to implement it, bringing an objective 10 MORGAN STANLEY
approach, and paying special attention to how the various parts of your plan can affect, enhance and integrate with each other. Wherever appropriate, we 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, the team will help you keep your investments on track. 4 Reviewing objectives We believe that ongoing communication is a vital component of our ongoing relationship, and we are committed to keeping abreast of your changing financial needs. Your financial documents provide the foundation for regular meetings, and the team will review your portfolio at your request and whenever you feel that your circumstances have changed. We will then seek to make certain that your assets are positioned according to your evolving needs. If necessary, we will suggest adjustments to your strategy to address changes in your circumstances or your objectives. 11
Five Star Professional Five Star Professional, as a third party research firm, identified pre-qualified award candidates based on industry data and contacted all identified broker dealers, Registered Investment Advisor firms and FINRA-registered representatives to gather wealth manager nominations. Self-nominations are not accepted. Award candidates are then evaluated against 10 objective eligibility and evaluation criteria associated with wealth managers who must have a minimum of five years experience as an investment adviser representative or other accepted credentials, client retention rates, client assets administered, firm review and a favorable regulatory and complaint history as defined by Five Star. Five Star Professional determines the final list of Five Star Wealth Manager Award winners. The Award does not evaluate the quality of services furnished to clients and it is possible that the recipient may have received unfavorable ratings from those surveyed. Five Star Professional collected the information for this Award through surveys it conducted. Wealth managers and/or their firms do not pay a fee to be considered or placed on the final list of Five Star Wealth Managers. The Five Star award is not indicative of the wealth manager's future performance. Wealth managers may or may not use discretion in their practice and therefore may not manage their clients assets. The inclusion of a wealth manager on the list should not be construed as an endorsement of the wealth manager by Five Star Professional. Working with a Five Star Wealth Manager or any wealth manager is no guarantee as to future investment success, nor is there any guarantee that the selected wealth managers will be awarded this accomplishment by Five Star Professional in the future. For more information on the Five Star award and the research/selection methodology, go to fivestarprofessional.com. NORTHWEST CAPITAL GROUP 13
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. 14 MORGAN STANLEY
Morgan Stanley Smith Barney LLC ( Morgan Stanley ), its affiliates and MorganStanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. 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. 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. 2017 Morgan Stanley Smith Barney LLC. Member SIPC. 19345450 05/2017 CRC 1794656