The East Gate Group at Morgan Stanley Providing Clients with Financial Independence
330 Fellowship Road Suite 400, Mount Laurel, NJ 08054 888-651-6517 / MAIN 856-283-4456 / FAX http://www.morganstanleyfa.com/theeastgategroup/ JB.Borreggine@morganstanley.com Evan.M.Kahn@morganstanley.com Evan.Silverman@morganstanley.com Ian.Kliewe@morganstanley.com
The East Gate Group at Morgan Stanley Client Commitment Statement The East Gate Group prides itself on bringing honesty and integrity to the financial planning process through unbiased quality advice. We are focused on long lasting client relationships through continued communication while striving to maintain your trust. We seek to help achieve financial independence for our clients throughout each phase of their lives. Our objective is to offer a premier wealth management platform to our clients while helping to reduce the inherent risks of investing. Our promise is to educate and empower our clients while working with them to build a legacy. THE EAST GATE GROUP 3
Meet the Professionals 4 MORGAN STANLEY
John Borreggine Financial Planning Specialist Senior Vice President - Wealth Management Financial Advisor JB is a Founding Partner of The East Gate Group at Morgan Stanley and has been recognized as a Century Club member of Morgan Stanley since 2010. JB and the team develop personalized, strategic solutions to address the needs of his client s wealth by drawing on his experience and global resources of Morgan Stanley. JB implements his relationships with clients on proactive planning centered on trust and communication. He and his team offer a full complement of comprehensive wealth management services including retirement income and cash flow planning, life insurance, long term care analysis, college savings plans and divorce financial planning. JB received his business/finance degree from Rowan University. In his leisure time, JB is an avid wine collector. JB and his wife, Kelley, reside in Medford, NJ and have two children. Evan M Kahn, CFP, CDFA Financial Planning Specialist Senior Vice President - Wealth Management Financial Advisor Evan M. Kahn is a founding partner of The East Gate Group and a Senior Vice President, Financial Planning Specialist and Financial Advisor at Morgan Stanley. Evan graduated with a Bachelor of Science degree from the University of Delaware and did post graduate work at Fairleigh Dickinson University where he earned the CER- TIFIED FINANCIAL PLANNER designation. He also has earned his CERTIFIED DIVORCE FINANCIAL ANALYST designation through The Institute for Divorce Financial Analysts. Evan has been named to Morgan Stanley s prestigious Century Club. He is also been recognized as a Five Star Wealth Managers by Philadelphia magazine in 2013 and by New Jersey Magazine in 2014. THE EAST GATE GROUP 5
Evan Silverman Financial Advisor Ian Kliewe Financial Advisor Evan is also an active member of APIC, Association of Professional Investment Consultants, a community of Morgan Stanley CFP colleagues. He is able to help his clients achieve financial prosperity by combining personal attention with a focus on strategic financial planning. Focusing on risk and wealth management, retirement planning, divorce financial analysis, customized portfolio design, and legacy planning strategies, Evan is able to build a customized strategy to achieve his client s goals. Evan is an active member of The Grand Lodge of Free and Accepted Mason s of Philadelphia. Evan and his wife, Heather, live in Cherry Hill, NJ with their three children. Evan earned his Bachelor degree from the University of Michigan and has over 15 years of asset management experience. Starting out in 2000 Evan worked at SAC Capital, later to be named partner and Head Trader in a technology focused hedge fund; STG Capital. Throughout his institutional career Evan cultivated a strong process of risk management, asset allocation, and investing from some of the most demanding and top preforming funds on Wall Street. After building a successful reputation on Wall Street, Evan decided to follow in the family legacy of being a Financial Advisor. Evan currently lives in Yardley, Pennsylvania with his wife Allison and his three children Matthew, Jordyn, and Gabrielle. Ian earned a B.S in Finance from Rowan University and is an alumnus of the men s ice hockey team. He began working for the East Gate Group as a junior and upon graduation accepted Morgan Stanley s offer for the full time position. Since his inception he has acquired his series 7, 66, & insurance licensing. Ian strongly believes that success is a direct result of effective communication, personal accountability, and attention to detail. With the guidance of an experienced team, Ian looks to bring clients the same passion, time management, and work ethic that he used as an athlete to help individuals reach their financial goals. Ian is originally from Wayne, NJ now resides in Cherry Hill. 6 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 strategies 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. Investment management Alternative investments Structured 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 Building a unique legacy Estate planning strategies 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. Helping strengthen 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 and lending services of Morgan Stanley. Credit facilities Cash management Retirement plans Strategic consulting and transactions Succession planning Helping protect 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. Life insurance trusts Helping meet 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 THE EAST GATE GROUP 9
Developing Your Wealth Management Strategy Individuals work hard to build wealth in pursuit of a meaningful life for themselves and their family. Your achievements reflect substantial effort, and we will work just as hard on your behalf, committing our experience and skills to helping you achieve your unique goals for your wealth. Moreover, we will support you and your strategy by accessing the resources and perspective of one of the world s largest financial firms. 10 Before our team offers specific advice, however, we must understand who you are and what you want your wealth to accomplish. Working with you, we will complete a four-step process: 1 Setting your financial objectives We will begin our relationship by listening discussing a range of topics related to your financial needs and investment objectives: long-term life goals and expectations, possible major purchases, and legacy and charitable goals, if you have them. We will discuss your current financial resources, your time horizon for various goals, your tolerance for risk even how your liabilities are structured. If you own a business, we also might discuss your current lending and cash management needs. MORGAN STANLEY 2 Developing your wealth management strategy Based on your input, our advice will likely help address income and retirement planning, asset protection, investment management, strategic borrowing, wealth transfer and business succession. Of course, your plan will include an asset allocation strategy designed to help achieve your financial goals in light of your risk tolerance and investment time horizon. 3 Implementing your strategy After we have discussed and refined your strategy, the team works closely with you to bring the elements to life. Should we decide together that outside money managers are appropriate for you, we will draw on in-depth research and analysis to 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, the team will help you keep your strategy on track. 4 Reviewing your performance You will receive a quarterly review that outlines your portfolio s performance, helping you track progress toward your objectives. Moreover, when your personal situation or market conditions change significantly, we can suggest appropriate adjustments to your portfolio to help it remain aligned with your goals.
We Work to Understand the Full Scope of Your Financial Picture It starts with listening. We ask questions regarding your needs and dreams, your tolerance for risk, your time horizon and then listen. It s an ongoing process through which we strive to know all we can about you, your family, your business (if applicable) and your short- and long-term goals. This period of discovery helps us make informed recommendations and design a flexible wealth management plan that is uniquely yours. 1 2 1 Discovery process Identify your goals, values, dreams, special concerns/challenges 2 Develop investment strategy Determine risk tolerance Analyze current investment portfolio Develop asset allocation strategy Portfolio construction 12 MORGAN STANLEY
The Client Experience 3 4 5 6 7 8 9 10 3 Investment strategy meeting In-person meeting to present recommended investment strategy 5 Follow-up meeting In-person meeting to discuss: First statements Organization of paperwork Set up online account access (and review online resources) Develop schedule for 7 Wealth management plan meeting In-person meeting to present comprehensive wealth management strategies 9 Ongoing monitoring of investment strategy and wealth management plan Develop schedule for review meetings future review meetings Schedule wealth management plan meeting 4 Execution of investment strategy Open new accounts Transfer existing assets Conduct trades to execute agreed-upon investment strategy 6 Develop comprehensive wealth management plan Financial planning Retirement planning Access to banking and lending services Education planning Business succession planning Charitable giving Family dynamics Estate planning management Plan meeting 8 Execute wealth management plan Ongoing execution of wealth management strategies 10 Re-evaluate investment strategy based on changes to goals, objectives and/or expectations Adjust investment portfolio and/or wealth management plan in light of any changes CRC#410861 19803604 02/2017
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
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. 19803604 02/2017 CRC 1660898