The Medelberg McKay Vasta Group at Morgan Stanley

Transcription

1 The Medelberg McKay Vasta Group at Morgan Stanley

2 7733 Forsyth Boulevard Suite 2100, Clayton, MO / MAIN / TOLL-FREE / FAX charles.medelberg@morganstanley.com grant.mckay@morganstanley.com michael.vasta@morganstanley.com avis.chandler@morganstanley.com melinda.harper@morganstanley.com dori.stegmann@morganstanley.com

3 Managing Your Wealth, Simplifying Your Life Imagine a confidence inspired by the knowledge that your Financial Advisor is focused solely on helping you achieve your unique financial objectives and wealth management goals. At The Medelberg McKay Vasta Group, we have been providing financial advice and wealth management services to high net worth individuals, affluent families, corporate executives and successful business owners for 30 years. Our holistic approach is driven by our dedication to helping our clients manage their assets more effectively and empowering them to achieve their financial goals. Whether we re assisting with concentrated stock strategies, retirement, estate planning or private money management, our focus is on leveraging our knowledge and experience to earn trust and develop long-term relationships with our clients and their families. By taking into account all aspects of your financial life and aligning them with your personal goals and values, we help you build a custom-tailored wealth strategy that is designed to be flexible enough to accommodate changing circumstances and unforeseen events. We also work with your other trusted advisors attorneys, accountants and insurance professionals to help ensure seamless execution. That s the confidence you get from working with The Medelberg McKay Vasta Group. 3

4 Our Investment Process Achieving your long-term goals requires a customized strategy. We are actively engaged in every facet of your plan, from profile and strategy to implementation and review. The Medelberg McKay Vasta Group s approach to wealth management originates with the development of a comprehensive profile. We want to know all we can about you, your family, your business and your short- and long-term goals for each. From this discovery work, we will proceed to design a plan that is uniquely yours. 1. DISCOVERY AND NEEDS ANALYSIS IN- PERSON MEETING TO: Identify your goals, values, aspirations, special concerns/challenges Define investment objectives, time horizon and risk tolerance Evaluate asset structure and liability management objectives Determine planning needs Begin planning, if possible 2. ACCOUNT PAPERWORK AND TRANSFER Identify assets that need to be consolidated Determine account types, beneficiaries and transfer process Provide orientation and access to Morgan Stanley Online Identify need for separate wealth management planning meetings Transfer existing assets 3. DEVELOP INVESTMENT STRATEGY Analyze current investment portfolio Develop asset allocation strategy Design a dynamic, flexible portfolio Select investment vehicles Recommend advisory platforms, where appropriate 4. INVESTMENT STRATEGY MEETING In-person meeting to present recommended investment strategy Execute agreed-upon investment strategy 4 MORGAN STANLEY

5 5. WEALTH MANAGE- MENT PLANNING Determine planning needs and establish timeline: Education planning Insurance Retirement planning Cash management and lending solutions 6. PORTFOLIO MONITORING AND REVIEW Develop reporting and communication schedule Develop performance measurement and monitoring guidelines 7. MAINTAIN FAMILY RECORDS ORGANIZER Helps you stay on plan by having vital personal and financial information organized and accessible 8. RE-EVALUATE INVESTMENT STRATEGY, AS NEEDED Adjust investment portfolio and/or wealth management plan in light of changes to goals, personal circumstances or market conditions Business succession planning Estate planning strategies Charitable giving THE MEDELBERG MCKAY VASTA GROUP 5

6 Investment Insight Without Limits Morgan Stanley provides comprehensive coverage of every major market and asset class as well as investment research from some of the most respected analysts. INTELLECTUAL CAPITAL, GLOBAL PERSPECTIVE As a client, you have access to the strategic and tactical views of some of the world s most seasoned and respected investment professionals. The members of our Global Investment Committee develop strategies that help to inform the decisions of clients across Morgan Stanley. With Morgan Stanley, Financial Advisors have access to the work of research analysts who cover key geographic and economic sectors as well as 3,000 companies. This research is directly available to our Wealth Management clients, as are the market insights, research and analytic views of fixed income and equity sales and trading desks focused on the needs of individual investors. Your Financial Advisor can bring all of these resources to bear on your portfolio. 6 MORGAN STANLEY

7 SOPHISTICATED STRATEGIES, RIGOROUS RISK MANAGEMENT The Global Investment Committee is an especially valuable resource to you and your Financial Advisor. The committee creates model portfolios based on rigorous statistical techniques which guide both institutional and individual investors and reflect a range of time horizons, risk profiles and wealth levels. Also, the committee makes tactical suggestions based on a comprehensive analysis of the investment landscape. It is all done with an eye on achieving the most efficient balance of risk and return to help maximize the likelihood of meeting your objectives. A PREMIER TRADING AND EXECUTION PLATFORM Morgan Stanley is one of the only wealth management firms with a stand-alone, principal-driven capital markets platform dedicated to the needs of individual investors and Financial Advisors. Our 175 capital markets professionals are an experienced, highly responsive and knowledgeable resource available to you. A BROAD OFFERING OF INVESTMENT CHOICES You also have access to a variety of mutual funds, including a group of funds that is vetted and continuously monitored by the Consulting Group s team of manager research analysts and investment professionals. These specialists are responsible for an open-architecture platform that includes more than 1,000 investment vehicles and strategies a broader offering than that of any other investment firm. You have the flexibility to choose any of these vehicles, with guidance from a Financial Advisor focused solely on your best interests. 7

8 Managing Your Wealth Simplifying Your Financial Life Financial and Wealth Planning Services Thorough, thoughtful wealth planning planning that analyzes what you want to achieve in all aspects of your life is the most important step in establishing a clear path to your goals. We will work with you to explore your financial, personal and social objectives, and then help you develop a wealth strategy that is uniquely your own. LifeView TM Wealth Planning Centers Educational Planning Insurance Needs Analysis LifeView Monitor The Retirement Standard We can help you move toward your vision of retirement. The Morgan Stanley Retirement Standard is a consistent level of care for clients preparing for the next chapter in their lives. Among other services, this program can help you organize your finances in advance of retirement, create a retirement income plan and keep track of your pension, Social Security and Medicare benefits. Income Planning Social Security Elections Beneficiary Review Annuity Solutions Pension Election Lifestyle Review Risk Review 8 MORGAN STANLEY Please refer to important information, disclosures and qualifications at the end of this material.

9 Investment Solutions We are committed to helping you create a customized asset allocation model based on your personal goals, time horizon and risk tolerance. From basic financial strategies to the most sophisticated investments, we provide objective strategic advice and access to a broad spectrum of traditional and alternative asset classes. Consulting Services Global Equities and Fixed Income Mutual Funds Exchange-Traded Funds Alternative Investments* Structured Investments* *Alternative and structured investments involve risk and are not suitable for all investors. Cash Management and Lending Solutions Individuals and families with substantial assets have distinct needs, and managing personal cash and securing liquidity may be an important part of a holistic wealth management strategy. Morgan Stanley offers a variety of banking, investment and other financial services designed specifically for high net worth clients. Morgan Stanley Credit Cards Direct Deposit Checking: Online Bill Pay and Remote Check Deposit Home Loans Liquidity Access Line Global Currency The Business Owner Standard The relationship between business ownership and personal wealth can be complex. The Morgan Stanley Business Owner Standard helps us look at your corporate and personal wealth needs utilizing a systematic approach specifically designed for business owners. Through this program, we can analyze your complete wealth picture and examine your alternatives, mindful that decisions made in one piece of the wealth puzzle can enhance or diminish the value of another. Business-Needs Review Cash Management and Capital-Needs Review Retirement and Benefits Assessment Risk Review Succession or Exit-Plan Assessment Family Wealth Plan Key-Documents Organization Business and Corporate Solutions The Corporate Client Group at Morgan Stanley is dedicated to providing institutional clients with world-class, tailored products and services. From industry-leading equity compensation services for stock option, restricted stock and employee stock purchase programs to executive advisory services and corporate cash management, we provide corporate clients with a full suite of innovative products and services. Corporate Retirement Plans 401(k) Global Stock Plans Executive Benefits Executive Financial Services Directed Share Programs Institutional Consulting Graystone Consulting Account Access and Reporting Morgan Stanley offers individuals, institutions and businesses a variety of accounts all featuring 24/7 account access, comprehensive reporting and proprietary analytical tools, such as fixed-income appraisals and cash flow analysis. Morgan Stanley Online Monthly Statements Morningstar Asset Scan SM Performance Reporting Fixed-Income Portfolio Review WealthBench Horizon Analysis Investor Insights Monthly Mobile App for iphone, ipad, Android Family Records Organizer Keeping important documents and financial records organized and available is one of the best gifts you can give to those you love. In the event of a crisis, serious illness, disability or death, your Family Records Organizer provides vital, timely information to both your family and professional advisors. We can help you through the process of assembling Family Records so you or someone of your choosing can have ready access to the information needed to make decisions about taxes, savings, investments, financial plans and wealth transfer strategies. Please refer to important information, disclosures and qualifications at the end of this material. THE MEDELBERG MCKAY VASTA GROUP 9

10 MEET THE PROFESSIONALS Charlie Medelberg Investment Management Consultant Senior Vice President Financial Advisor NMLS ID With more than three decades of experience as a Financial Advisor, Charlie Medelberg focuses on establishing trusting long-term relationships with clients by listening attentively to their unique concerns and delivering a high level of advice and communication that helps provide confidence in the future. Charlie devotes a considerable amount of time to getting to know his clients on a highly personal level. He wants clients to know they are working with someone who is not only deeply committed to protecting their interests, but an extension of their financial selves as well. Charlie was named to Morgan Stanley s prestigious Master s Club an elite group of the firm s top Financial Advisors for each of the last seven years from Charlie has access to the most brilliant minds at Morgan Stanley to provide him with the most current, accurate information for his clients. He is highly adept at incorporating his knowledge and views with those of the firm to provide his clients with prudent advice. Finance has been central to Charlie s life since before he entered the financial services industry. He graduated from the University of Missouri with a bachelor s degree in banking and finance. He is also passionate about improving the lives of children, as exhibited by his volunteer work with many local children s charities. When Charlie isn t serving his clients faithfully, he is spending quality time with his wife of 33 years and their two daughters. Charlie s free time is spent on a wide range of activities and hobbies, including golfing, college football, beekeeping and watching his daughter play soccer charles.medelberg@morganstanley.com Getting to know our clients and their personal goals and values is just as important as knowing the investments that we make on their behalf. Grant McKay Investment Management Consultant Portfolio Manager Senior Vice President Financial Advisor NMLS ID As a seasoned Financial Advisor and Portfolio Manager at The Medelberg McKay Vasta Group, Grant McKay focuses on maintaining a holistic approach to our clients wealth management needs as well as creating comprehensive investment and asset allocation strategies. Grant is dedicated to helping clients develop and execute a personalized financial plan that enables them to live comfortably, retire and fulfill their dreams. Grant joined Morgan Stanley in August of 2009, having moved back to St. Louis from New York City where he was an account executive and contract negotiator at SeamlessWeb LLC. Prior to that, Grant worked as a financial analyst for Fiduciary Asset Management, a St. Louis-based investment management firm, where he gained experience in options. Grant graduated from the University of Colorado Boulder in 2004 with a bachelor s degree in international politics and a minor in Germanic studies. Having spent considerable time studying and working abroad in Thailand and Japan, Grant brings a global perspective to his work and believes that an important part of The Medelberg McKay Vasta Group s practice is our global focus and our ability to recognize potential international opportunities. A St. Louis native, Grant lives in Ladue with his wife and two children. Grant stays involved in 10 MORGAN STANLEY

11 the community as the head of the local University of Colorado alumni chapter and as part of the volunteer leadership committee at St. Louis Children s Hospital. An avid fly fisherman, Grant fishes throughout southern Missouri and northern Arkansas, but his favorite fishing spot is the Frying Pan River in Colorado. He also enjoys skiing, squash, tennis, golf and playing guitar, and is a member of the Roaring Fork Club near Aspen grant.mckay@morganstanley.com The most satisfying part of our work is giving our clients clarity, confidence and time to enjoy the wealth they have created. Michael Vasta Senior Investment Management Consultant First Vice President Family Wealth Advisor Financial Advisor NMLS ID As an experienced Financial Advisor, Michael Vasta is dedicated to helping ensure his clients clearly understand their full financial picture assets, liabilities, insurance, liquidity needs, etc. and creating a customized, comprehensive strategy to help them achieve their unique investment goals. Michael, a holistic wealth planner, focuses on portfolio management, wealth preservation and estate planning strategies, liquidity management solutions, financial goal planning and insurance solutions. Highly analytical and detail-oriented by nature, he is intimately familiar with the broad range of products and services available at Morgan Stanley and is highly proficient at and greatly enjoys educating his clients about their investments. Investing has always been Michael s passion. At an early age, he was already studying the stock market and creating mock portfolios. He nurtured his desire for investing while pursuing a bachelor s degree in management with a concentration in finance at Purdue University. Michael entered the financial services industry in Today, he feels honored to play such an integral role in helping so many investors grow their wealth and preserve it for future generations. Michael is named to 2017 Forbes inaugural listing of America s Top Next-Generation Wealth Advisors. A native of the St. Louis area, Michael holds the Series 7, 31, 66 and life and health insurance licenses. In his spare time, he enjoys spending time with his wife and son, golfing, traveling and collecting fine wine. He is also active in the community, volunteering his time and resources to several organizations that benefit children, most notably Epworth, Ronald Mc- Donald House, Logos School and St. Jude Children s Research Hospital as well as animal protection organizations like The Humane Society and Wildlife Defense Fund michael.vasta@morganstanley.com I am deeply committed to earning your trust and confidence, managing your wealth and simplifying your busy life. THE MEDELBERG MCKAY VASTA GROUP 11

12 MEET THE PROFESSIONALS Avis Chandler Senior Client Service Associate Melinda Harper Senior Registered Associate Dori Stegmann Portfolio Associate With more than 20 years of financial services experience, Avis Chandler has been a Senior Client Service Associate with The Medelberg McKay Vasta Group at Morgan Stanley since Her primary responsibilities include onboarding new clients, account processing, issue resolution, overseeing the completion of all paperwork and customer service. However, as the first point of contact for our clients, Avis is best known for her affable demeanor and her ability to develop close, personal relationships with our clients and their families. For Avis, customer service is an attitude not a department. Prior to entering the financial services industry in 1995, Avis was an administrative specialist in the U.S. Army Reserve for seven years. She utilized her military administrative skills to support all areas of the Active Armed Forces in remote locations, such as Egypt and Alaska. When she isn t working, Avis makes meaningful contributions to the church and community. She is an active member of Big Brothers Big Sisters, which helps children reach their potential through one-on-one relationships with a mentor. As the oldest of six siblings, Avis understands that the simple things you give to a child s life can make a big difference. Originally from southwestern Illinois, Avis has resided in the St. Louis area for more 25 years. She is the proud mother of two beautiful daughters whom she adores avis.chandler@morganstanley.com As a professional in the financial services industry since 1979 and with Morgan Stanley since 2007, Melinda Harper takes pride in providing personalized attention, educating for understanding and being responsive to client needs. Her strengths lie in client relations and in the skills she developed from having also previously worked in operations and sales. Our clients benefit from her eye for detail, which helps ensure that tasks are executed on time and forms the backbone of our client relationships. Melinda began her career at Foster & Marshall, and then worked at Smith Barney and its predecessors before joining Morgan Stanley. In addition to holding her NASD Series 7 & 63 licenses, she has earned the title of Senior Registered Associate. Melinda is a native of St. Louis and has lived here nearly all her life, aside from attending college and spending three years in Oregon. She graduated from Trinity University in San Antonio, Texas, with a major in special education. Married since 1984, Melinda lives in Kirkwood and is a proud parent to a stepson, two grandchildren and three cats. She is dedicated to giving back and actively supports various charities, including the Food Bank of St. Louis, which provides food and security to those in need. In her spare time, she enjoys reading, walking and the company of her family and friends melinda.harper@morganstanley.com A St. Louis native, Dori Stegmann is an experienced Portfolio Associate who joined The Medelberg McKay Vasta Group at Morgan Stanley in As a valued member of our team, Dori handles a broad range of responsibilities, from preparing portfolio reviews and scheduling to providing clients with world-class service and leading the marketing and educational efforts that enable us to connect more deeply with our clients. With her detail-oriented and caring nature, Dori is deeply committed to exceeding client expectations. Dori began her career in financial services in 2005 with Morgan Stanley in Destin, Florida, where her husband served in the United States Air Force. In 2011, she returned to St. Louis with her husband and two daughters to be closer to her extended family. Dori earned her bachelor s degree in business administration and a concentration in finance and investments from Webster University. She is registered and currently holds Series 7, Series 66, and life and variable annuity insurance licenses. When she isn t working, Dori enjoys spending quality time with her family, traveling to the beach, being active outdoors, practicing yoga and volunteering at her daughters schools. A strong believer in giving back, Dori is actively involved in autism awareness and is an ardent supporter of the Juvenile Diabetes Research Foundation dori.stegmann@morganstanley.com 12 MORGAN STANLEY

13 The Medelberg McKay Vasta Group at Morgan Stanley Left to right: Dori Stegmann, Melinda Harper, Michael Vasta, Charlie Medelberg, Avis Chandler, Grant McKay THE MEDELBERG MCKAY VASTA GROUP 13

14 Morgan Stanley Wealth Management: A Commitment to Excellence Over the years, you have made many 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. Investors like you choose to work with Morgan Stanley because the firm and its Financial Advisors mirror the values that instill their own success: a commitment to perform at the highest level, with no shortcuts, compromises or excuses. For nearly 80 years, our firm has been a leader, innovator and partner for successful individuals and their families as well as corporations, foundations and endowments. The Financial Advisors at The Medelberg McKay Vasta Group work from an extensive knowledge base built on diverse skills, training and professional interests. We take time to understand your most important goals and have the resources to help you navigate volatile markets and changing life circumstances. We can help select the insights that are most meaningful for your portfolio from the daily barrage of market data and opinion. Behind every Financial Advisor stands Morgan Stanley. In planning and executing strategies that can help you attain your objectives, we can draw on the firm s resources and intellectual strength as a global financial services leader. Whatever your financial goals, and however you prefer to pursue them, Morgan Stanley offers you insights and a wide range of capabilities to help meet your unique needs. For nearly 80 years, our firm has been a leader, innovator and partner for successful individuals and their families as well as corporations, foundations and endowments. 14 MORGAN STANLEY

15 Working Together Effective client-financial Advisor relationships require trust. At The Medelberg McKay Vasta Group, we strive to earn your trust and your confidence each and every day. Our philosophy is rooted in process, discipline and consistency. These core values enable us to custom design quality, globally diversified, multi-asset class portfolios managed by a team of experienced and focused financial professionals. We look forward to working with you. T H E M EDELBERG MCK AY VA S TA GROU P 15

16 Important Disclosures 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 provided in writing by Morgan Stanley and/or as described at 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. Residential mortgage loans/home equity lines of credit are offered by Morgan Stanley Private Bank, National Association, an affiliate of Morgan Stanley Smith Barney LLC. With the exception of the pledged-asset feature, an investment relationship with Morgan Stanley Smith Barney LLC does not have to be established or maintained to obtain the residential mortgage products offered by Morgan Stanley Private Bank, National Association. All residential mortgage loans/home equity lines of credit are subject to the underwriting standards and independent approval of Morgan Stanley Private Bank, National Association. Rates, terms, and programs are subject to change without notice. Residential mortgage loans/home equity lines of credit may not be available in all states; not available in Guam, Puerto Rico and the U.S. Virgin Islands. Other restrictions may apply. The information contained herein should not be construed as a commitment to lend. Morgan Stanley Private Bank, National Association is an Equal Housing Lender and Member FDIC that is primarily regulated by the Office of the Comptroller of the Currency. 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LAL loans/lines of credit may not be available in all locations. Rates, terms and conditions are subject to change without notice. To be eligible for an LAL loan/line of credit, a client must have a brokerage account at Morgan Stanley Smith Barney LLC that contains eligible securities, which shall serve as collateral for the LAL. In conjunction with establishing an LAL loan/line of credit, an LAL facilitation account will also be opened in the client s name at Morgan Stanley Smith Barney LLC at no charge. Other restrictions may apply. The information contained herein should not be construed as a commitment to lend. Morgan Stanley Private Bank, National Association and Morgan Stanley Bank, N.A. are Members FDIC that are primarily regulated by the Office of the Comptroller of the Currency. The proceeds from an LAL loan/line of credit (including draws and other advances) may not be used to purchase, trade, or carry margin stock; repay margin debt that was used to purchase, trade, or carry margin stock; and cannot be deposited into a Morgan Stanley Smith Barney LLC or other brokerage account. Important Risk Information for Securities Based Lending: You need to understand that: (1) Sufficient collateral must be maintained to support your loan(s) and to take future advances; (2) You may have to deposit additional cash or eligible securities on short notice; (3) Some or all of your securities may be sold without prior notice in order to maintain account equity at required maintenance levels. You will not be entitled to choose the securities that will be sold. 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The strategies and/or investments discussed in this material may not be suitable for all investors. Morgan Stanley Wealth Management 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 investor s individual circumstances and objectives. Morgan Stanley Smith Barney LLC offers insurance products in conjunction with its licensed insurance agency affiliates. Investing in foreign markets entails risks not typically associated with domestic markets, such as currency fluctuations and controls, restrictions on foreign investments, less governmental supervision and regulation, and the potential for political instability. These risks may be magnified in countries with emerging markets and frontier markets, since these countries may have relatively unstable governments and less established markets and economies. 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