The Lehigh Valley Group at Morgan Stanley Financial Planning for Businesses, Executives & Families
3500 Winchester Road Suite 100, Allentown, PA 18104 610-395-7700 / MAIN 800-433-4200 / TOLL-FREE 610-395-0694 / FAX morganstanleyfa.com/thelehighvalleygroup/ thelehighvalleygroup@morganstanley.com
The Lehigh Valley Group at Morgan Stanley Many of our clients have contributed to a 401(k) and saved for retirement throughout their career. And yet, once they actually approach retirement, they find that the rules have changed. We help clients understand and address the issues standing between them and their vision of retirement - when to begin taking Social Security benefits, for example, and what to do with their retirement plan assets when they leave their employer. We then show them strategies to help them generate income in order to meet unforeseen, as well as known, day-to-day expenses for the rest of their life. We take great pride in the personalized service we offer our clients service that continues throughout their retirement and is always available to help them adjust to changing conditions and meet new objectives as they arise. THE LEHIGH VALLEY GROUP 3
Meet the Professionals We believe that working as a team helps to provide you with access to the most appropriate solutions, and helps to ensure that you benefit from the highest levels of service. While we bring complementary skills and perspectives to our clients, we also share a commitment to responding to your needs promptly, professionally and thoroughly. Our goal is to earn your confidence not only through the quality of solutions we provide to you, but also the excellence with which we deliver them. 4 MORGAN STANLEY
Michael E. Malz, CFP, CRPS Corporate Retirement Director Senior Vice President - Wealth Management Wealth Advisor Mike has 15 years of experience in assisting affluent families, business owners and corporations with qualified plans by delivering investment services to 401(k) sponsors and participants. He built his practice on the principles of honesty, trust, attention to detail and commitment to client goals. Mike was awarded the distinguished Corporate Retirement Director (CRD) designation within Morgan Stanley, which is held by less than 1% of the financial advisors in the firm. He works with Plan Sponsors, Trustees and Investment Committees to assist them in managing their fiduciary duties. He helps plan sponsors develop Investment Policy Statements, select appropriate money managers, educate participants and continually monitors the plan. Mike earned the CERTIFIED FINANCIAL PLANNER (CFP ) designation by meeting rigorous education, examination, experience and ethical requirements. Also, Mike is a Chartered Retirement Plans Specialist SM (CRPS ) and is a charter member of MS's Business Owner's Executive Council, which recognizes a select group who have extensive experience in structuring financial plans for business owners and executives. Mike has also earned MS's Portfolio Manager and Financial Planning Specialist designations. His investment and advisory registrations include FINRA Series 7, 31, 63, and 65 licenses and he holds Pennsylvania Life, Accident and Insurance licenses. Julie Knight Financial Planning Specialist Financial Advisor A Lehigh Valley native, Julie and her team, the Lehigh Valley Group, provides institutional consulting services to retirement plans, corporations and non-profit organizations. Julie implements participant education/engagement programs and guides clients with customized asset allocation recommendations. She uses a comprehensive wealth management process that helps business owners, executives and families preserve, grow and transfer their hard earned assets. She helps design lifetime income plans using evaluation tools and prides herself on client service. Her investment and advisory registrations include Series 7 and 66 as well as the PA, NY, TX and KY Life, Accident and Health Insurance licenses. She has 12 years of client-facing experience in the finance and logis- THE LEHIGH VALLEY GROUP 5
tics industries. She spent 7 years overseas where she worked with Deutsche Bank and Daimler AG in Germany. Her MBA in strategy and economics is from the Melbourne Business School in Australia and her Bachelor of Business Administration is from the University of North Florida. Julie is a former recipient of the Young Professional Athena Award, which is given by the Greater Lehigh Valley Chamber of Commerce. She campaigned for the Leukemia & Lymphoma Society to capture the title of Lehigh Valley s Woman of the Year. Most recently she was honored by Lehigh Valley Business as a winner in the Under 40 awards program. Adrianne K. Fox Registered Associate Adrianne has over 15 years of experience with Morgan Stanley. She has experience working with Human Resource Managers, Finance Staff and Plan Administrators in managing the day to day activities of corporate retirement plan clients. As a performance driven professional, Adrianne also helps with coordinating the family advisory practice. Her responsibilities include preparation of client reviews and processing service requests. She builds trust with clients, anticipates their needs and looks to improve the overall client service experience. She achieved her current position of Registered Client Service Associate five years ago by passing her Series 7 and Series 63 exams. Her previous roles with the company included Operations Generalist and Cashier. Her duties included numerous administrative functions and she worked to ensure that all regulatory policies and control procedures were followed. Adrianne holds a Bachelor of Science in Business Management from Kutztown University and is a graduate from Emmaus High School. She spends her free time with her husband, Jeremy, and two children, Mikayla and Aaron. She enjoys volunteering in the East Penn School District. 6 MORGAN STANLEY
Risk Management Retirement Integrated Planning Investment Management Liquidity Estate Planning
Education Funding Business Strategies A CULTURE of EXCELLENCE OVER THE YEARS, YOU WILL MAKE MANY FINANCIAL DECISIONS. ONE IN PARTICULAR IS LIKELY TO HAVE A LASTING IMPACT ON YOUR WELL BEING AND THAT OF YOUR FAMILY: THE CHOICE OF A FINANCIAL ADVISOR. Charitable Pursuits Thoughtful decision-making usually begins with a lot of questions. As you get answers and information, you can develop a framework for evaluating different choices and strategies. Little by little, you gain both the knowledge andtheconfidencetomakedecisions and create a wealth plan that helps you achieve your goals. You will find your Morgan Stanley Financial Advisor to be a source of objective information and ideas as you begin to assess how to best manage your wealth. Over the course of many years, our firm and Financial Advisors have developed an in-depth understanding of virtually all the challenges, goals, preferences, styles and strategies that distinguish wealthy investors. This experience is combined with access to a wide array of resources designed to help you maximize what you have and accomplish your specific goals whether you are preparing for the cost of educating children, managing risk in your portfolio or finding ways to increase the impact of your charitable contributions. Your Financial Advisor is an advocate within our firm, an intelligent editor who selects and aligns the many capabilities of Morgan Stanley for you, delivering resources to you in the way that is appropriate for how you invest and what you want to achieve.
A Consultative Process Charting a prudent course to financial independence requires a well-conceived, personalized financial plan with defined, longterm goals. Our consultative wealth advisory process was developed to help generate that plan. Its key steps are designed to result in a broad, cohesive plan for your financial future. 1 We will begin by discussing what matters most to you and what you want to accomplish with your wealth. In addition to your finances and investments, we will talk about you, your values, lifestyle, your worries and what you are passionate about. 10 MORGAN STANLEY
Discover Analyze 2 We will analyze your personal and financial information, assess risks, and identify potential threats to your financial health. Then we will present you with a comprehensive plan to address your income and cash flow needs, borrowing requirements, asset protection, retirement planning, wealth transfer and philanthropy goals. Review Implement 3 Our objective approach to implementing your plan will pay special attention to how its various aspects can affect, enhance and integrate with each other. When appropriate, we will suggest seeking additional, in-depth advice on particularly complex planning, financial and family issues we have identified. 4 We will review your portfolio together at your request. And when your circumstances change, we will work with you to revise your strategy and reposition your assets to reflect your new needs and goals.
Managing Business and Personal Wealth As a business owner, you know that your business finances and personal finances are closely linked, and that managing them requires an integrated approach. Our first goal will be to develop an understanding of the dual dimensions of your financial life an understanding of how you built your wealth, where you are today, and where you want to be tomorrow. Only then can we effectively suggest how your personal assets can support your business growth, and how your business can help you to meet your personal goals. 12 Together, we will undertake a five step process: 1 Setting your financial objectives We begin by thoroughly reviewing your current financial resources, objectives and other circumstances that might influence your investment strategy. We will discuss your time horizon and tolerance for risk, as well as any current and potential liabilities. Importantly, we will also examine your business s financial characteristics and performance, its day-today cash needs, and strategies and financial requirements for growth. MORGAN STANLEY 2 Developing your financial management strategy Working from our understanding of you and your personal and business objectives, we will propose financial strategies designed to help you meet those goals. Our advice may encompass issues such as retirement planning, business continuation and succession, debt restructuring, tax minimization potential and wealth transfer. You will also receive an asset allocation strategy designed to provide diversification for your portfolio. 3 Implementing your investment strategy After we have discussed and refined your strategy, the team will work 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 indepth 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 Providing business solutions Based on our analysis of your business challenges and obstacles, we will consult with specialists throughout Morgan Stanley who can structure
and deliver services to help you take your business to the next level. 5 Reviewing objectives and performance Milestones like marriage, children and grandchildren, buying and selling a home, retirement, and starting another business or selling your current one can all have an effect on your plan and on the right course to meeting your objectives. The team will frequently and systematically review your wealth plan with you so we can help you adapt to changes in your life. And we will work with you to evaluate your investment portfolio over time, suggesting adjustments as necessary, so that your investment strategy continuously reflects your evolvingneeds and goals.
Start the Conversation We are dedicated to providing you with the strategies and resources that can help you achieve your retirement goals in today s changing financial environment. The Retirement Standard is meant to help connect all the pieces of your financial life with a comprehensive plan of action designed to put you on a path to the retirement you envision. Every plan comes with our commitment to work with you over time to be sure you stay on track. 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. 2013 Morgan Stanley Smith Barney LLC. Member SIPC. 1694040 12/2013 CRC 664159