The Sean Yu Group at Morgan Stanley

Transcription

1 The Sean Yu Group at Morgan Stanley

2 A financial practice that shares your values. Left to right: Julie Liu, Wealth Management Associate, Patty Chao, Client Service Associate, Sean Yu, Managing Director, CFP, CPWA, Christine Yu, Financial Advisor, Steven Lin, Business Development Director, Jenny Lee, Consulting Group Analyst, CRPC, Kelvin Tang, Client Service Associate

3 At The Sean Yu Group at Morgan Stanley, we focus on the financial needs of a very select community. Like every one on my team, almost all of our clients have roots in both the United States and either China or Taiwan. Also, like us, most of our clients are first-generation Americans whose families came here to pursue better educational and economic opportunities. They have worked hard to establish themselves in business or professional careers and they have saved carefully and invested well, accumulating a substantial amount of wealth in the process. They look to us to help them preserve and build upon that wealth, so they are free to focus on their careers, their families, their communities and the activities that enrich their lives. If you choose us as your advisors, we can promise that we will work every bit as hard as you do. We will take the time to learn about you and your family, your attitude toward risk and your expectations of us. We speak your language, and we understand your culture because we are also part of it. More important, we have both experience and the deep resources to help you create and implement a highly customized wealth management plan in order to reach your goals. We look forward to meeting you and your family, and look forward to helping you manage any and all aspects of your financial life. Sincerely, Sean Yu, CFP, CPWA Managing Director 常務董事 Morgan Stanley Wealth Management The Sean yu Group 3

4 our process Discovery A CFO FOR YOUR FINANCES We follow a very disciplined approach to help you create a comprehensive wealth management plan. This begins with a detailed discovery process, where we develop an in-depth understanding of your needs and your goals. Our first step is to learn everything we need to know to design a customized wealth management plan for you. We will review your account statements to learn what assets you hold, and types of accounts you hold them in. We will talk about your cash flow needs and your personal, professional and philanthropic goals. We ll ask about your family and your plans for your children and grandchildren. In the process, we try to learn about your attitude toward risk and other aspects of your personality that impact investment decisions. We try to get a sense of your personality and any issues in your professional and family life that could impact your financial strategy. By understanding who you are and what you like, we are better able to help you develop a plan to support the people, causes and institutions that enrich your life. We encourage our clients to consider us as the CFO of their personal lives. You tell us your situation and set your goals, and we will design and implement a comprehensive plan so that you and your family will reach them. The one thing I have seen over and over again is people make irrational choices when their portfolio doesn't match their personality or their attitude towards investment. sean yu 4 Morgan Stanley

5 MONITORING AND ADJUSTMENT TAX, TRUST & ESTATE REVIEW ASSET ALLOCATION We will propose what we believe to be the best asset allocation for you within each of your accounts and across your entire household. These recommendations are based on your specific goals, circumstances and attitude towards risk. Our professionals monitor your portfolios on a daily basis to make sure they remain in line with your goals, and maintain regular communication with you to make sure your goals have not changed. We are likely to make periodic tactical recommendations if we see a promising opportunity, but are cautious to recommend changes in your overall allocation unless your circumstances change. We are always available to answer your questions and address your service requests. Often coordinating our efforts with your CPA, attorney and other advisors, we review your charitable trusts and estate plan strategy. Our focus is on minimizing your tax liabilities by locating your assets in the most suitable trusts, retirement accounts and other structures. IMPLEMENTATION Drawing on the experience of our team, as well as the research and due diligence capabilities of Morgan Stanley, we recommend the investments and investment managers we believe are best suited for each portion of your allocation. We typically favor actively managed funds for the equity and alternatives portion of your allocation and custom-built bond portfolios for the fixed-income portions.

6 comprehensive capabilities Comprehensive Wealth Planning We work with you to develop a wealth management strategy that is specifically designed to address your unique needs, goals and family dynamics. We understand the needs of Chinese and Taiwanese clients, and are highly experienced creating comprehensive plans across numerous tax and estate structures. Philanthropic Services The skills and resources to address your needs Our philanthropy specialists help individuals, families and foundations define their philanthropic goals and create strategies to achieve them. Our team provides you with access to the full range of products and services you need to reach your financial goals. This allows us to design customized plans that go well beyond investment management to encompass your entire financial life. By combining our expertise and experience with the extensive resources of Morgan Stanley, we offer the best of both worlds: A dedicated team that understands your needs with access to the comprehensive capabilities of a global financial leader. 6 Morgan Stanley

7 Executive Services Investment Management We help create custom investment strategies for each of our clients. With a fully open platform, we offer access to diversified investment alternatives. With deep experience working with both US and international investors, we can create the optimal wealth management plan that suits your needs, implementing a rigorous due diligence and risk analysis process. We help senior executives develop strategies to diversify concentrated positions created by holdings of restricted and control securities, and employee stock options. Multigenerational Education We often work with our clients to help them educate their children and grandchildren in financial matters. Trust & Estate Services Drawing on the Trust & Estate advisors at Morgan Stanley, as well as our own experience, we can provide an objective perspective on your trust structures and estate plan. We can help you integrate your investment and estate plans, or evaluate potential investment strategies from a tax perspective.

8 The talent on your team The Sean Yu Group is a tightly knit team with a broad range of skills. We combine deep experience in investment planning, wealth management, client service and operations to deliver highly responsive service to each of our clients. We work very hard to maintain an environment of mutual respect and shared responsibility for our clients. When you work with any of us, you get the best of all of us. 8 Morgan Stanley

9 Sean Yu, CFP, CPWA Managing Director 常務董事 Wealth Advisor Portfolio Manager Sean Yu draws on over a decade of financial planning experience and an extensive educational background to provide customized advice, investment solutions, and financial planning services to high net worth families, businesses and foundations. His primary focus is on building globally diversified portfolios, based on his clients specific needs, with a goal of producing competitive risk-adjusted performance. Sean has taken advantage of every opportunity to expand the services he can offer his clients. Sean is registered with FINRA, holds his Series 7, 31 and 66 licenses, and is a registered California State Life Insurance Agent (No. 0E12405). He has also been designated a Morgan Stanley International Client Advisor, Retirement Planning Specialist, Estate Planning Consultant and Rule 144 Specialist. Sean received his M.A. in International Relations from the University of Chicago, where he continues to volunteer as an undergraduate admissions interviewer and as a mentor in the undergraduate and graduate externship program. Sean has also established a fellowship fund at the University of Chicago and Cal Poly Pomona to help underprivileged students. He has also established a scholarship through the Chinese Club of San Marino and, in 2013, taught a session of EMBA online courses through Peking University. Through all of these efforts, his goal is to provide deserving students from low-income families with educational opportunities they would not otherwise have. Sean is actively involved in Southern California s Asian and Taiwanese community, serving as Chairman of the 2013 Taiwanese American Heritage Week Festival. He enjoys playing basketball, reading and spending time with his wife, Christine, and daughter, Riley. Languages: English, Mandarin Chinese and Taiwanese sean.yu@morganstanley.com Sean Yu 於二零零三年加入摩根史丹利開始了他的職業生涯, 他率領了公司旗下的六位員工組成的 Sean Yu Group 財富管理團隊 於二零一三年,Sean Yu 成為摩根史丹利的常務董事, 財富顧問和投資組合經理,Sean 協助加州華裔及台裔的高收入客戶群 Sean Yu 持有國際認證的註冊金融策劃師 Certified Financial Planner (CFP ), 註冊私人財富雇問 Certified Private Wealth AdvisorSM (CPWA ), Series 7, 31, 66 証照 Sean 專注於幫高收入家庭和個人提供全方位的投資方案及其他的金融服務 在針對高收入家庭和個人客戶群提供定制的 諮詢, 他認為在提供投資方案及其他金融服務時, 客戶的目標和本身個性是將會是影響財富規劃成敗於否的最重要因素 在通過整合客戶的個性和目標 ( 例如, 遺産規劃, 稅務規劃, 財富積累, 風險管理等 ) 余先生幫助專屬客戶打造一個試合個人需要的投資方案, 及執計劃和決定過程, 以此完成其獨特的投資訴求 余先生的客戶平均家庭規模, 包括父母和子女為八百萬美元 中間家庭規模為五百萬美元, 客戶淨值範圍可從一百萬到五億美元 在二零一四年, 余先生在 On Wall Street 雜誌被排名為全美第七名,40 歲以下的財富顧問 於 Financial Time 雜誌排名為 前 400 名 ( 不分年齡 ) 的財富顧問 此外, 又贏得 Los Angeles Business Journal, 大型上市公司類型,Asian Business Award 除了工作,Sean Yu 積極參與亞裔社區服務他是二零一三年美國台灣傳統週主席和台灣會館董事會董事 Sean 利用及損贈自己的資源回饋於社會, 他創造了幾個奬學金和助學基金 這些地方包含芝加哥大學, 加州波莫那大學以及西方大學 Sean 的目地是幫助弱勢學生和低收入家庭的優秀學生提供教育的機會 Sean Yu 與太太和女兒居住於南加州的 Pasadena, 在他閒暇的時間, 他喜歡打藍球, 參加 Workout, 玩各種的水上運動以及種植蔬果 The Sean yu Group 9

10 Christine Yu Financial Advisor Steven Lin Business Development Director Assistant Vice President Jenny Lee, CRPC Consulting Group Analyst Christine Yu focuses on developing and enhancing relationships with the Group s high net worth clients by delivering a service experience that is above and beyond the call of duty. Endowed with a particularly high emotional quotient ( EQ ) specialty, Christine works to gain an in-depth understanding of how each client thinks and feels, so that Sean and the rest of the team are better able to address their needs and concerns. Christine s work allows our clients to feel more comfortable talking to our team and aids the team in responding more efficiently to our clients requirements. In 2008, she was awarded the Morgan Stanley Above Client Expectations award for client service. Christine joined the group in 2006 after spending two years at Merrill Lynch. Christine earned a B.S. in International Business from Cal State Long Beach, is registered with FINRA and holds her Series 7, 31 and 66 licenses. She enjoys traveling, and has taken recent trips to Asia, Europe and the South Pacific with her family. Christine lives in Pasadena with her husband, Sean, and their daughter, Riley. Languages: English, Mandarin Chinese and some Taiwanese and Cantonese christine.l.yu@morganstanley.com Steven Lin joined the Group in 2007, focusing his talents on overall business development and portfolio implementation. Steven meets regularly with clients to review their portfolios and to make sure that we have an up-to-date understanding of their evolving needs. He spends much of his time providing special analysis on a wide range of investment vehicles. As the team s second-in-command, Steven is also responsible for managing the group s support staff, working to create and maintain an exceptional level of service for every client of the Group. Steven is a multiple recipient of Morgan Stanley s Service Excellence Award for the complex, regional and whole division in Steven received a B.S. in Management Science from the University of California, San Diego, and Steven is registered with FINRA, holds his Series 3, 7, 31 and 66 licenses, and is a registered California State Life Insurance Agent (No. 0G23312). A fan of good music and fine food, Steven lives in Arcadia with his wife, and newborn daughter, Sarah. Languages: English, Mandarin Chinese, Taiwanese and Hakka sheng.h.lin@morganstanley.com Jenny Lee focuses on investment products and client service. This includes enhancing client relationships; conducting due diligence on all products; and ensuring that all trades are correctly executed and aligned with each client s investment strategy. In addition, Jenny also assists in preparing clients investment proposals. Jenny became a part of the team at Morgan Stanley in 2013 after spending six years at Merrill Lynch and another two at Chase Investment Services. Jenny received her B.A. in Business Management from Oklahoma City University, and later obtained her MBA in Corporate Finance at the University of Dallas. Jenny is registered with FINRA, holds her Series 3, 4, 7, 24, 53 and 66 licenses, and is a registered California State Life Insurance Agent (No. 0G21383). In her spare time, she likes to watch romantic movies and spend time with her family, especially her two daughters, Elaine and Ines. Languages: English, Mandarin Chinese and Taiwanese jenny.c.lee@morganstanley.com Morgan Stanley

11 Patty Chao Client Service Associate Julie Liu Wealth Management Associate Kelvin Tang Client Service Associate A member of the team since 2009, Patty Chao focuses on providing and maintaining an exceptional client service experience. In particular, she works to promote client satisfaction by addressing and resolving client inquiries in a timely manner. Patty helps with all aspects of operations, including opening new accounts, processing transfers, wires, and account maintenance. She has extensive experience across a broad range of account types, including 401(k), defined benefit plans, target benefit plans, profit-sharing plans and other retirement accounts. Patty is also skilled at opening accounts for the team s individual, charitable remainder, donor-advised funds, corporate, nonprofit, foundation, trusts, and other institutional clients. Patty received a B.A. in Psychology from the University of California, Los Angeles. In her free time, she enjoys playing basketball, painting and spending time with her friends and family. Languages: English, Mandarin Chinese and some Cantonese pei-ti.chao@morganstanley.com Julie Liu focuses on developing marketing strategies that will help meet the business plan for our team. She also contributes to both customer service and client education efforts. This includes maintaining the team s website, LinkedIn accounts and marketing materials; organizing client seminars, dinners and other events; administrating sponsorships and coordinating other marketing efforts. She also supports her fellow team members, working with Patty in operations on handling new accounts, cash management, online services, and general administration. She also assists Jenny with investments and trading. Julie enjoys building a relationship with our clients and meeting members of their families. Her goals are to provide exceptional customer service to exceed client s expectations. The newest member of the team, Julie has worked in the financial industry for over seven years. Julie is registered with FINRA, holds her Series 7 and 66 licenses, and is a registered California State Life Insurance Agent (No. 0H80404). In her free time, she enjoys hiking, hot yoga, cycling class at the gym and spending time with friends and family. Languages: English and Semi Fluent in Mandarin julie.liu@morganstanley.com Kelvin Tang focuses on investment research and providing up-to-date data pertaining to equity syndicate, mutual funds, and other investment vehicles. Kelvin also focuses on gathering economic data for the team and analyzing current market trends. Being a parttime associate, Kelvin also provides assistance to the other team members, so that they may provide the exceptional service that the clients deserve. Kelvin is an expert in various research tools, including Bloomberg and Morningstar. Kelvin is receiving a B.S. in Business Administration and a minor in Enterprise Information Systems from the University of Southern California. When away from work and school, he can be found outside of the house with friends and family. In terms of hobbies, he loves playing golf and shooting pool. He also enjoys traveling, camping and watching horror films. Languages: English and Proficient in Mandarin kelvin.tang@morganstanley.com The Sean yu Group 11

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13 our clients Everything we do begins and ends with you All of us on the Sean Yu team come from the same community as our Chinese and Taiwanese clients, and we share the same values and work ethic. We focus our efforts on helping high net worth families and individuals within our community address the complex challenges of managing their wealth. We speak their languages, we understand their needs and have the skills and experience to help them reach their goals. Our clients are very successful people, with total net worth that range from $1 million to $500 million. Our average household account size is $8 million, including parents and children, and the median is $5 million. We help our clients protect and enhance these assets by taking a comprehensive approach to providing customized advice, investment solutions, and other financial services. We strive to gain a strong sense of their personalities and an in-depth understanding of their goals. With a clear understanding of our clients as people and investors, we are able to craft highly tailored portfolios that address their needs, and implement strategies with detailed execution and prudent decision-making. Should you decide to work with us, we will work hard on your behalf, go the extra mile to fulfill your needs and hold ourselves to the highest ethical standards. We are here to help you achieve your goals. The Sean yu Group 13

14 14 Morgan Stanley

15 55 S. Lake Avenue Suite 800, Pasadena, CA / Main / Toll-Free / fax sean.yu@morganstanley.com

16 This material is intended only for clients and prospective clients of the Portfolio Management program. It has been prepared solely for informational purposes only and is not an offer to buy or sell or a solicitation of any offer to buy or sell any security or other financial instrument, or to participate in any trading strategy. The individuals mentioned as the Portfolio Management Team are Financial Advisors with Morgan Stanley participating in the Morgan Stanley Portfolio Management program. The Portfolio Management program is an investment advisory program in which the client s Financial Advisor invests the client s assets on a discretionary basis in a range of securities. The Portfolio Management program is described in the applicable Morgan Stanley ADV Part 2, available at or from your Financial Advisor. Past performance of any security is not a guarantee of future performance. There is no guarantee that this investment strategy will work under all market conditions. Morgan Stanley Smith Barney LLC ( Morgan Stanley ), its affiliates and Morgan Stanley 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. Morgan Stanley Smith Barney LLC. Member SIPC. Asset Allocation does not assure a profit or protect against loss in declining financial markets. Tax laws are complex and subject to change. Morgan Stanley Smith Barney LLC ( Morgan Stanley ), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice and are not fiduciaries (under ERISA, the Internal Revenue Code or otherwise) with respect to the services or activities described herein except as otherwise agreed to in writing by Morgan Stanley. This material was not intended or written to be used for the purpose of avoiding tax penalties that may be imposed on the taxpayer. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a retirement plan or account, and (b) regarding any potential tax, ERISA and related consequences of any investments made under such plan or account. The investments listed may not be suitable for all investors. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, and encourages investors to seek the advice of a financial advisor. The appropriateness of a particular investment will depend upon an investor s individual circumstances and objectives Morgan Stanley Smith Barney LLC. Member SIPC. CRC CS /15