thepeaceriverteam

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2 thepeaceriverteam

3 We Are All About You Selecting the right financial advisor is an important first step to securing your family s financial future. You want an advisor with experience and the ability to leverage the resources of a national firm. At the same time you also want a personal relationship with someone you can trust with whom you can share your ambitions, concerns and hopes. Your future is the most precious thing you own; you want an advisor who is invested in your success. The Peace River Team at Morgan Stanley in Punta Gorda is your local team within a national firm. We deliver on providing an unmatched client experience tailored to meet your family s unique needs. Our collaborative approach in the financial planning process ensures that we deliver the skills and knowledge to guide you through even the most complex financial issues. Our experience will give you the comfort and confidence you need to move forward toward your goals. It s your money, your goals, and your life. The things that matter most to you are what we are all about.

4 Meet the Professionals Thomas Cappiello Portfolio Management Director Senior Investment Management Consultant Family Wealth Advisor Vice President Financial Advisor NMLS ID Tom began his career with Smith Barney* in From the outset, he has focused his practice on implementing wealth-management strategies for affluent retirees. He works closely with clients to help them define financial goals and objectives and tailors his advice to meet the client s individual needs and tolerance for risk. Tom is committed to establishing long-term relationships with people he likes personally and who are equally committed to working with him. Tom has unique talent in assisting clients with advanced family wealth needs and estate planning. Tom is a 1978 graduate of The George Washington University with a B.A. in East Asian Affairs and Economics, and The Pennsylvania State University, where he earned his M.B.A. in After completing graduate school, Tom worked for Arthur Andersen & Co. in Tokyo, where he was involved in providing investment advice to Japanese companies seeking to expand abroad. In 1994, Tom left Andersen to pursue his own technology start-up venture in Tokyo. He sold that business in 1998 and returned to the US with his family, settling in Punta Gorda, Florida. Over the years Tom has been actively involved in leadership positions with a number of local charities, including serving as president of the Peace River Rotary and President of The Virginia B Andes Clinic. Tom currently serves on the Board of Directors of The Charlotte County Estate Planning Council, The United Way, and on the Lung Cancer Research Council. Tom is a 2005 graduate of Leadership Charlotte. *A predecessor firm of Morgan Stanley Smith Barney

5 Away from the office, Eric serves as Chairman of the Board of Directors for Crossroads Hope Academy, a foster group home for difficult to place boys. In 2013 Eric was appointed by Governor Rick Scott to serve on the Florida Southwestern College Board of Trustees. Eric also serves on the Charlotte County Value Adjustment Board and the Murdock Village Advisory Committee. Eric Loche, CFP Senior Portfolio Manager Vice President Financial Advisor NMLS ID Eric Charles Loche, CFP, is a Vice President and Financial Advisor with The Peace River Team at Morgan Stanley. Eric joined the Peace River Team in 2014 after working for Wells Fargo and its predecessor firms for fifteen years. Eric is the lead Portfolio Manager and also conducts tax planning reviews for Peace River Team clients. Eric earned two bachelor degrees from California State University at Chico and is a Certified Financial Planner ; a designation conferred on financial professionals who meet a series of rigorous educational requirements and successfully meet examination and ethics requirements.

6 River Team and also leads risk management and insurance related planning. Ryan is a Certified Financial Planner having completed the requirements for certification in Ryan has been devoted to helping clients create and implement financial plans, advising on investments and counseling clients on a variety of personal and business financial issues. Ryan is a past Chairman of the Virginia B Andes Clinic and serves on the board of the Harbour-Heights Peace River Rotary, where he was Past-President. Ryan Rupert, CFP Financial Advisor Senior Portfolio Manager NMLS ID Ryan is a native of the Pittsburgh, Pennsylvania area. He attended Ohio University in Athens Ohio earning a Bachelor of Business Administration with a dual major of Finance and Business Economics. Immediately after completing his degree Ryan spent two years working in Tokyo, Japan. He returned to the U.S. to pursue a career as a financial advisor. While relocating to the U.S. Ryan came to visit family living in Southwest Florida and decided on this beautiful place to live and work. Ryan joined Morgan Stanley in 2007 and was one of the original members of what is now known as The Peace River Team at Morgan Stanley. Ryan leads financial planning for the Peace

7 Astra Lindholm Registered Associate Astra is The Peace River Team's Series 7 licensed Registered Associate. Prior to joining Morgan Stanley in 2012 Astra had an impressive 23 year career in banking with State Bank of Illinois. Astra began her career as a personal banker. Her talent for banking and attention to detail was appreciated by customers and management alike. She eventually was made branch manager, then accounting operations manager, and finally human resources manager. Astra moved to Florida in 2011 from the suburbs of Chicago to enjoy the warm weather and Florida lifestyle. Astra attended Robert Morris College.

8 Florida State University. She currently serves on thenpace Board of Directors. Stacey has chaired many community endeavors, serves Naples Community Hospital, PACE Center for Girls of Collier County, and Youth Haven. She is a graduate of the Naples Chamber of Commerce s Leadership Collier program, awarded Gulfshore Business Magazine s 40 Under 40 Award, and in 2013 was awarded the Glass Slipper Award by The Education Foundation, Champions for Learning. In 2014, Stacey was named a Woman of Initiative by the Community Foundation of Collier County for her philanthropy, dedication, and commitment to children s causes. Stacey Herring Private Banker Vice President NMLS # Private Bankers are employees of Morgan Stanley Private Bank, National Association, Member FDIC. Morgan Stanley Resources available to the Peace River Team: Stacey Herring is a Private Banker serving Morgan Stanley Wealth Management offices in Southwest Florida, including Lee, Collier and Charlotte counties. Stacey began her career in financial services in 1994, and joined MorganStanley in Prior to joining the firm, she was a Mortgage Sales Manager at SunTrust Bank and a Senior Mortgage Loan Officer at Fifth Third Bank. Stacey received her Bachelor of Science in Business Marketing with a Minor in Communications from

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10 1) Setting your financial objectives Through a process of discovery and discussion we will work with you to articulate your aims for your wealth. Together, we will examine your current and future liabilities, income sources and cash flow needs, and then consider factors that might influence your overall strategy. This includes tolerance for risk, tax concerns, liquidity needs and time horizon. Through careful analysis, the team will look for potential flaws that could derail your plan then develop sound strategies to help smooth the path forward. 2) Creating your strategy Working from our understanding of you and your objectives, we will propose a financial plan that contains specific strategies designed to help meet those goals. Our advice may encompass issues such as retirement planning, business continuation, tax minimization potential and wealth transfer.

11 3) Implementing your strategy After agreeing on a strategy we will work closely with you to bring the elements to life. We will consider all aspects of your goals and needs while prudently aligning your finances to meet them. We have a disciplined ongoing process to monitor your progress and to address changes as they need to be made. 4) Reviewing objectives and performance We view ongoing communication as the foundation of our successful collaboration with you. We will make every effort to keep abreast of your progress toward your goals and provide viable strategies to help you meet them. When your circumstances change we will work with you to revise your strategy to reflect your changing needs.

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14 Introducing Portfolio Management: Since 1979 the Portfolio Management Group at Morgan Stanley has been creating customized investment strategies for high net worth individual and institutional clients. The Peace River Team is a member of this exclusive group. Each model portfolio in the Portfolio Management program is designed and managed on a fully discretionary basis by The Peace River Team to help meet specific needs. You will find that The Peace River Team's experience, training and investment philosophy provide significant guidance - both in managing your portfolio and in helping you understand investment risk. All while keeping your long term goals in view.

15 The Portfolio Management program is defined by: Personalized Portfolios - The Peace River Team will work with you to identify an investment strategy geared to meet your needs. Client Focus - Each account is individually managed to help you meet your need for growth, income and capital preservation within your risk tolerance. Comprehensive Communications - Throughout our relationship, you'll have direct access to the investment professional managing your portfolio. Asset Based Fee - Fees for the program are based on the asset level in the account, not on the number of transactions performed in a given period.

16 h n n People that expect the magic formula to make irrational gains year after year.