Pine Harbor Group at Morgan Stanley. Seeing the forest and the trees

Transcription

1 Pine Harbor Group at Morgan Stanley Seeing the forest and the trees

2 40701 Woodward Avenue Suite 200, Bloomfield Hills, MI / MAIN / TOLL-FREE / FAX pineharbor@morganstanley.com

3 Pine Harbor Group at Morgan Stanley The Pine Harbor Group at Morgan Stanley specializes in advising entrepreneurs, executives, and families on the transfer of financial and intellectual capital to successive generations. We do this by guiding our clients in making informed decisions about the preservation and growth of their wealth, in collaboration with their unique long term objectives. At Pine Harbor, we advise our clients as we would our own family and aspire to earn meaningful, lasting relationships based on trust, integrity, and accountability. We are selective in regards to the relationships we work with to ensure the best possible client experience. We look forward to a conversation with you. PINE HARBOR GROUP 3

4 Meet the Professionals Paul K. Johnson Senior Investment Management Consultant Senior Vice President Financial Advisor Christopher T.R. Letts, Nivy Lamani, Paul K. Johnson, Keith E. Mahle Paul joined wealth management firm E.F. Hutton in He completed his training as a CERTIFIED FINANCIAL PLANNER and has continued to use a planning approach for investing and asset allocation throughout his entire career. He has been recognized by Hour Magazine as amongst the best Financial Advisors in Detroit for the years 2013, 2014 and Paul currently assists clients of Pine Harbor in developing planning strategies for personal retirement, family wealth transfer, and business transition. Paul specializes using both his experience and many industry relationships to connect the best independent institutional asset managers available within Morgan Stanley to the clients he serves. Paul has a special understanding 4 MORGAN STANLEY

5 regarding the unique challenges a family can experience when selling a closely held business. Prior to his financial services career he worked at his father s GM dealership as VP & General Manager until the sale of the business in This experience provided him both a valuable insight to the difficulties of selling a privately held business and its impact on family dynamics. Paul has lived in Oakland County, Michigan his entire life. He and his wife Marietta have two adult children and four grandchildren. Paul s current hobbies include photography and kayaking. Keith E. Mahle, CIMA, CFP Senior Investment Management Consultant Vice President Financial Advisor With more than 18 years of industry experience, Keith is a CERTIFIED FINANCIAL PLANNER and a Certified Investment Management Analyst. He completed rigorous training at the Wharton School of Business and received a Bachelor s degree in finance from Central Michigan University. He has been recognized on multiple occasions by Hour Magazine s Five Star Professional as amongst the best Financial Advisors in Detroit- the most recent recognition occurring in 2012, 2014 and Keith began his career in a technical role as a Senior Analyst for the Smith Barney Consulting Group- a position that took him throughout the United States. There he spent four years guiding large foundations, pension funds, and municipal governments in applying analytical evaluations to the investment selection of their respective portfolios. Keith excelled in this position and was awarded the prestigious honor of Consulting Group s Analyst of the Year in Keith serves the clients of Pine Harbor by developing sophisticated financial plans designed to address their goals for cash flow, wealth preservation, and tax efficient wealth transfer. Keith draws on his previous Consulting Group Analyst experience when selecting the many investment asset managers Pine Harbor utilizes for the families they serve. He also advises on intergenerational wealth planning, insurance strategies, risk mitigation, and liability management. Active in his community, Keith enjoys supporting causes that further his children s educational experiences. A varsity swimmer in High School, Keith is proud supporter of youth athletics and has coached the Beverly Hills Titans as well as his PINE HARBOR GROUP 5

6 children s soccer and baseball recreational teams. Keith and his wife Laura recently celebrated their 20th year anniversary. They reside in Beverly Hills, Michigan with their two children, Jackson and Taylor. Christopher T.R. Letts Financial Planning Specialist Second Vice President Financial Advisor Christopher obtained a Finance Degree with Honors from the Eli Broad College of Business at Michigan State University. He is second generation within private wealth management and has seen throughout his entire life the profound benefits financial planning can have for successful families. Christopher has been recognized by Hour Magazine s Five Star Professional as amongst the best Financial Advisors in Detroit - the most recent recognitions occurring in 2013, 2014 and He began his career with Morgan Stanley in Christopher assists Pine Harbor clients in developing strategies for personal wealth accumulation, family wealth transfer, and business transition. He specializes in comprehensive financial planning with an emphasis on capital preservation and risk management. Christopher has a formal training regarding alternative investments such as hedge funds, managed futures, and private equity which are often implemented by the families he serves. He also advises on advanced business transaction strategies which can assist in reducing taxation and liability of families experiencing a business transition or liquidity event. A frequent guest-featured speaker, Christopher provides insight for various industry gatherings including the annual convention of Michigan Association of Certified Public Accountants where he addresses risk reduction strategies utilizing multiasset investments. Christopher is Past President and Director of Brother Rice High School Business Alliance and the previous Director of Michigan State Alumni Association of Oakland County. Deeply involved with philanthropic causes, Christopher is committed to confronting issues of injustice as it 6 MORGAN STANLEY

7 affects women and children. He speaks regularly on behalf of HAVEN Oakland County, an organization dedicated to eliminating sexual and domestic violence against women. Christopher and his wife Christina have a passion for travelling the world s great wine regions which has taken them across many cultures and languages. They belong to Orchard Lake Country Club where they both serve on its social committee. When he and Christina are not travelling or golfing they can generally be found boating- or ice fishing- by their home on Cass Lake in West Bloomfield, Michigan. Nivy G. Lamani Financial Planning Specialist Senior Registered Associate Nivy began her career with Morgan Stanley as an intern during her undergraduate studies at Walsh College where she graduated with a degree in Business Administration and Finance with High Honors. She has been with the firm since After graduation, Nivy accepted a full time position with Morgan Stanley and completed her Series 7, 65, and 66 licensing while also obtaining a Financial Planning Specialist designation. Over her career Nivy has demonstrated a strong commitment to meeting the unique service needs of the clients of Pine Harbor. She has an exceptional understanding of the custom financial planning needs of the families she serves. Nivy prides herself on client satisfaction and strives to make each family relationship personal. Nivy has a passion for the young and sick. She has is a regular volunteer at Henry Ford and McLaren Macomb Hospitals where she spends time counseling the families of sick patients and the patients themselves. Nivy and her husband Evald reside in Macomb County. They are the proud new parents of their son, Mateo. Being both bilingual, Nivy and Evald enjoy travelling to exotic places and have journeyed throughout Central and South America. When not travelling, Nivy enjoys spending time outdoors and watching Premier League Soccer with her extended family. PINE HARBOR GROUP 7

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9 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. 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. 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. 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. 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. 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. PINE HARBOR GROUP 9

10 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. 10 MORGAN STANLEY

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12 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 Morgan Stanley Smith Barney LLC. Member SIPC /2015 CRC