The Panza Wheway Group at Morgan Stanley. Making a Difference One Family at a Time

Transcription

1 The Panza Wheway Group at Morgan Stanley Making a Difference One Family at a Time

2 320 Post Road West Westport, CT / MAIN / toll-free / fax fa.morganstanley.com/thepanzawhewaygroup 2 Morgan Stanley

3 Making a Difference One Family at a Time As your wealth has grown, so too has its complexity and the resources needed to manage it. At The Panza Wheway Group at Morgan Stanley, we are a tightlyknit team of seasoned professionals committed to providing tailored advice and services to help simplify your financial life. We seek to accomplish this through a highly personalized approach that focuses on listening, education and goals-based solutions. As a multigenerational team serving multigenerational families, we focus on building longstanding relationships and are proud of the fact that many of our clients have been with us for up to four generations. We are honored to work with our clients children, grandchildren and great-grandchildren. We take pride in our ability to effectively communicate advanced strategies and put them into action, helping empower our clients to achieve their financial goals and personal aspirations. Every day we come to work engaged in making a real difference in the lives of our clients. We believe you will not find a team of professionals more committed to helping you achieve your personal financial goals. We are dedicated to helping you preserve and build your wealth and will work to strengthen your family s financial security for generations to come. THE Panza Wheway Group 3

4 Meet the Professionals Our team is comprised of experienced and knowledgeable professionals with complementary strengths and a cohesive goals-based outlook. Each individual is integral to ensuring your custom-tailored financial plan is effectively implemented. Our collaborative spirit is evident in our daily interactions, especially as we work together to ensure your needs are given top priority. When you work with one of us, you get the best of all of us. Robert A. Panza Senior Vice President Portfolio Management Director Financial Advisor A results-driven Financial Advisor, Bob Panza has been a member of the Morgan Stanley family since With more than 30 years of industry experience, Bob combines his deep knowledge of the financial markets with solid leadership skills and an educational approach to help guide his clients towards the achievement of their specific financial goals. His practice includes highly successful individuals, multigenerational families, business leaders, as well as foundations and endowments. A strong believer in giving back to his community, Bob has been active in many local organizations. He is a Trustee of St. Stephen Church in Trumbull, CT and has served on the board of the Cardinal Shehan Center in Bridgeport, CT. Bob is a graduate of the City University in New York City, where he earned a B.A. degree in Political Science and Economics. He and his wife, Maria, currently reside in Trumbull, CT. They have two grown sons. Favorite leisure activities include golf, adventure travel and spending quality time with family and friends. NMLS#: Morgan Stanley

5 meet the professionals Earl D. Wheway, Jr., CFP Vice President Senior Portfolio Manager Financial Advisor With 20 years of wealth management experience, Earl Wheway brings a distinctive and highly engaging perspective to his clients. His goals-based approach incorporates such milestones as marriage, children and grandchildren, building and selling a business, and retirement. He enjoys helping guide clients in simplifying their financial lives, so they may enjoy the wealth they have created and leave the legacy they desire. In 2006, Earl earned the distinguished CFP designation, demonstrating his commitment to helping clients address the complicated issues facing today s wealthy families. Earl takes pride in his ability to take complex financial concepts and effectively communicate them to his clients. He works diligently to demystify the investment and planning process by understanding their aspirations and values, so he may articulate the key activities to help achieve their specific goals. Earl is a Magna Cum Laude graduate of Sacred Heart University, where he earned a B.S. degree in Finance. He is a veteran of the U.S. Marine Corps. Today, he lives in Sandy Hook, CT with his wife, Holly, and their two children. In his leisure time, he enjoys volunteering at his children s school and actively supporting his children in their many activities, which include yoga, tennis and skiing. NMLS#: Christina Generoso Financial Advisor Christina Generoso provides highly customized financial planning strategies to individuals, families and business leaders. Her mission is to deliver thoughtful, objective wealth management guidance to inspire her clients to feel confident about financial decisions. Throughout her career, she has developed a deep understanding of the financial markets, economic conditions, family dynamics and investment strategies. Upon graduating from Syracuse University with a B.A. in Economics, Christina began her career at Citigroup Asset Management. Two years later, she joined New York Life/ MainStay Investments, where she spent more than eight years educating clients on how to navigate the financial markets. She also had the opportunity to work as a Regional Vice President at Direxion Investments. Christina prides herself on serving as a catalyst, helping many of her clients make important connections that can lead to new business opportunities. She is a member of the Executive Women s Golf Association, Ellevate Global Women s Network, Rye Triathlon Club and is active in charitable giving and fundraising activities. She currently lives in Katonah with her husband, Vincent, and their two fur babies, Aksel & Alice. When she s not working directly with clients or fundraising for the many organizations she supports, she enjoys skiing, Pilates, golf and triathlons. NMLS#: Dina Livesay Client Service Associate As a Client Service Associate, Dina Livesay is often the first line of contact on a broad array of administrative and operational services for clients of The Panza Wheway Group. Highly adept at addressing questions quickly and efficiently, Dina is passionate about providing excellent service. She not only knows how to help meet each client s specific needs, she knows how to anticipate them as well. Throughout her career, Dina has had the opportunity to work in a variety of client service roles. She joined The Panza Wheway Group in 2014 and has been an integral member of the team ever since. Her many responsibilities include the coordination of the team s day-today operations, as well as all aspects of the client experience. Dina is focused on understanding the various challenges of managing wealth, so she is prepared to assist clients effectively as new circumstances arise. A graduate of Hofstra University with a B.B.A. in International Business, Dina currently lives in Wilton, CT. She is an active volunteer at A Better Chance of Wilton and at the Greek Orthodox Archdiocesan District Olympics. Dina enjoys running, biking and sports. Her true passion is being the mother of her two children. THE Panza Wheway Group 5

6 Our Consultative Process Your achievements reflect substantial effort. As your team of advisors, we will work just as hard on your behalf, committing our experience, knowledge and skills to helping you achieve your personal and professional goals. What s more, we will support you and your strategy by accessing the resources and perspective of one the world s largest financial firms, Morgan Stanley. Over the years, we ve developed a disciplined four-step consulting process to uncover your most important goals, so we may design and implement appropriate solutions to help enable you to achieve and maintain financial success. 1Foster a deep understanding of your unique circumstances We ll begin with an in-depth conversation where we ll listen carefully to understand what is important to you, your family and your legacy. We learn about the values that shape your decisions and identify any challenges and circumstances unique to your personal situation. 6 Morgan Stanley

7 2Analyze Navigate and assess your finances Next, we ll review your current and future financial situation, determine the likelihood of reaching your goals and help address any potential shortfalls or the impact of unexpected life events. In this step, we may also reach out to your CPA and estate attorney to understand your existing estate plan, so we can ensure the strategies we recommend are cohesive and fully coordinated. 3 the Stay financial markets through a tailored plan Here, we ll present a tailored wealth management plan with specific strategies designed to achieve your particular goals. Upon your approval, and with our guidance, we ll set into motion a course of action that strives to align your values and vision. 4close through an ongoing dialogue and commitment to you We ll oversee your progress towards your goals through ongoing calls and meetings. We may recommend adjustments over time, due to changing market conditions or changes in your circumstances, to help keep you on track towards achieving your goals. THE Panza Wheway Group 7

8 The Road to Your Financial Future Our priority is to help you prepare for all of life s milestones your children s education, the sale of your business, your retirement, just to name a few. Working together with your accountant, attorney and other trusted professionals, we ll help you build a comprehensive plan that encompasses all aspects of your life. Here is a broad overview of the many capabilities we currently offer. 8 Morgan Stanley

9 Financial Planning Goals Analysis Risk Assessment Cash Flow Analysis Investment Management Tax-Efficient Asset Allocation Portfolio Construction Discretionary Portfolio Management Cash Management and Lending Solutions Home Mortgage Financing Debt Restructuring Securities-Based Lending Education Funding 529 College Savings Plans Educational Savings Accounts Custodial Accounts Retirement Planning Lifestyle Review Income Strategies Social Security and Pension Analysis Wealth Preservation Strategies Hedging Strategies Insurance Review Estate Planning Strategies Generational Wealth Planning Charitable Giving Strategies Coordination With Outside Legal and Tax Advisors Philanthropy Management Charitable Trusts Philanthropic Discovery & Mission Development Grant-Making Strategies Family Foundation Strategies Services for Business Owners Cash Management Services Retirement and Benefit Assessment Risk Management Planning Succession Planning Strategic Consulting THE Panza Wheway Group 9

10 Our Core Values At The Panza Wheway Group, we believe the best relationships are built on trust, understanding and shared values. We also believe a disciplined investment philosophy and process are critical to achieving your goals especially in today s complex market environment. To that end, we are committed to providing the following core values that serve as the foundation of our practice: A Deep Passion for Helping People. We are dedicated to building deep and longstanding relationships, based on trust and integrity. We do this by working with a select group of individuals, families and nonprofit organizations. We guide them through each challenge by maintaining a close relationship, and by providing the experience and strategies to keep them on course to achieving their specific financial goals. A Team Approach. We believe you are entitled to the best advice possible. As a result, we have assembled a group of highly skilled professionals whose number one priority is you. To gain the precise knowledge needed to effectively manage all aspects of your wealth, we work in tandem with your accountant and estate planning attorney. As your wealth managers, we review your complete financial picture and help identify any gaps. When appropriate, we consult with key specialists to evaluate your unique challenges and devise specific recommendations. Thought Leadership and Forward- Thinking Strategies. We are dedicated to providing you with ongoing, current perspectives from industry thought leaders in such areas as the geopolitical landscape, the regulatory environment and alternative investment disciplines. Our goal is to deliver ongoing, enhanced knowledge about investing effectively domestically and around the world. We Advocate for Our Clients. We enjoy bringing our clients together to network and share ideas, which often leads to new business opportunities for both parties. We truly believe that part of our role as financial advisors is to help facilitate the exchange of ideas and promote the services of our clients. Communication, education and understanding are fundamental tenets of our business philosophy. High Touch, High Service Model. Our clients believe, as we do, in the importance of building a longstanding relationship with their wealth management team. They have grown to depend on our proactive, concierge model that is specially designed to ensure every client feels like our only client. Above all, as a caring advisory team who understands the importance of family and the financial freedom to pursue personal interests, they appreciate our true passion for finding solutions to their specific life challenges. MULTIGENERATIONAL Relationships. We seek to work with individuals and families as their trusted financial advisor for years and even generations helping them tailor customized strategies for all of their financial goals. Our hope is for every client to feel pleased to recommend our services to their closest friends and family. We have been guiding families since 1977, proudly serving many for multiple generations. Working With You At The Panza Wheway Group, our practice is focused on helping you make informed and confident decisions that address your most important financial concerns. Our ultimate goal is to empower you to spend more time doing those things that matter most to you, knowing we are working hard to ensure your continued prosperity. 10 Morgan Stanley

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12 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. 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. 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. Life insurance, disability income insurance, and long-term care insurance are offered through Morgan Stanley Smith Barney LLC s licensed insurance agency affiliates. Asset Allocation and rebalancing does not guarantee a profit or protect against a loss in a declining financial market. Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee. 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. Important Risk Information for Securities Based Lending: Borrowing against securities may not be suitable for everyone. You should be aware that there are risks associated with a securities based loan, including possible margin calls on short notice, and that market conditions can magnify any potential for loss. 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. These actions may interrupt your long-term investment strategy and may result in adverse tax consequences or in additional fees being assessed; (4) Morgan Stanley Bank, N.A., Morgan Stanley Private Bank, National Association or Morgan Stanley Smith Barney LLC (collectively referred to as Morgan Stanley ) reserves the right not to fund any advance request due to insufficient collateral or for any other reason except for any portion of a securities based loan that is identified as a committed facility; (5) Morgan Stanley reserves the right to increase your collateral maintenance requirements at any time without notice; and (6) Morgan Stanley reserves the right to call securities based loans at any time and for any reason. Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services. Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED MAY LOSE VALUE NOT BANK GUARANTEED NOT A BANK DEPOSIT NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY 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. Nationwide Mortgage Licensing System Unique Identifier # The proceeds from a residential mortgage loan (including draws and advances from a home equity line of credit) are not permitted to be used to purchase, trade, or carry eligible margin stock; repay margin debt that was used to purchase, trade, or carry margin stock; or to make payments on any amounts owed under the note, loan agreement, or loan security agreement; and cannot be deposited into a Morgan Stanley Smith Barney LLC or other brokerage account. Private Bankers are employees of Morgan Stanley Private Bank, National Association, Member FDIC. Five Star Professional, as a third party research firm, identified prequalified award candidates based on industry data and contacted all identified broker dealers, Registered Investment Advisor firms and FINRA-registered representatives to gather wealth manager nominations. Self-nominations are not accepted. Award candidates are then evaluated against 10 objective eligibility and evaluation criteria associated with wealth managers who must have a minimum of five years experience as an investment adviser representative or other accepted credentials, client retention rates, client assets administered, firm review and a favorable regulatory and complaint history as defined by Five Star. Five Star Professional determines the final list of Five Star Wealth Manager Award winners. The Award does not evaluate the quality of services furnished to clients and it is possible that the recipient may have received unfavorable ratings from those surveyed. Five Star Professional collected the information for this Award through surveys it conducted. Wealth managers and/or their firms do not pay a fee to be considered or placed on the final list of Five Star Wealth Managers. The Five Star award is not indicative of the wealth manager s future performance. Wealth managers may or may not use discretion in their practice and therefore may not manage their clients assets. The inclusion of a wealth manager on the list should not be construed as an endorsement of the wealth manager by Five Star Professional. Working with a Five Star Wealth Manager or any wealth manager is no guarantee as to future investment success, nor is there any guarantee that the selected wealth managers will be awarded this accomplishment by Five Star Professional in the future. For more information on the Five Star award and the research/selection methodology, go to fivestarprofessional.com Morgan Stanley Smith Barney LLC. Member SIPC. CRC CS /17