The Ricca-Weinerman Group at Morgan Stanley Smith Barney. Comprehensive Wealth Management Solutions

Transcription

1 The Ricca-Weinerman Group at Morgan Stanley Smith Barney Comprehensive Wealth Management Solutions

2 400 Campus Drive Florham Park, NJ / MAIN / TOLL-FREE / FAX

3 The Ricca-Weinerman Group at Morgan Stanley Smith Barney As the financial world becomes more complex and investment choices multiply, careful planning becomes ever more important to helping you achieve your financial goals. As Financial Advisors, our role is to work with you to help you develop a plan that lays out a clear path to your goals a plan that we develop in collaboration with you, and one that you can follow with confidence in the face of the market s ups and downs. Together, we will explore a broad range of topics that are likely to influence your financial future from your family situation to your career aspirations, from likely education expenses to the retirement you ultimately envision. What we learn will become the foundation for a financial and investment strategy based on who you are and where you want to go. Only then will we talk with you about the details of investing: how much risk makes sense, your asset allocation, and which investments are right for your portfolio. But that s just the beginning. Over time, we will revise your plan to reflect new aspirations and priorities, helping your plan keep pace as the markets change and your life unfolds. THE RICCA-WEINERMAN GROUP 3

4 Meet the Professionals Michael J. Ricca, CFP Family Wealth Director Executive Director Financial Advisor Michael has spent his entire career in the wealth management industry and has built his practice through his broad knowledge base in investments, accounting, tax, insurance, estate planning and charitable giving. He is a CERTIFIED FINANCIAL PLAN- NER, a Financial Planning Specialist, as well as a Chairman s Club member of Morgan Stanley Smith Barney. Known for his endless energy, Mike is passionate about conducting a professional and effective discovery process and consistently helping to solve his client s financial problems. He is a frequent speaker on investment topics and has been named to Barron s Top 1000 Advisors List (2009, 2010, 2011, 2012). He lives in Mendham, NJ with his wife, Susanne, and is a dedicated coach for his three children, Andrea, Michael and Tommy. Rutgers University BA, Economics and English, 1988 Seton Hall University MBA, Finance, 1991 Fairleigh Dickenson University Certificate in Financial Planning, 2000 David S. Weinerman, CFP Family Wealth Director Executive Director Financial Advisor Having begun his tenure on Wall Street over two decades ago, David has extensive experience in personal and corporate financial management to share with his clients. David is a member of Morgan Stanley s Chairman s Club as well as a CERTI- FIED FINANCIAL PLANNER and Financial Planning Specialist. He has also been named to Barron s Top 1000 Advisors List (2009, 2010, 2011). In addition to his capabilities in investments, accounting, tax, insurance, estate and retirement planning, and philanthropy, Dave is highly proficient in serving the needs of corporate clients in areas such as cash flow management, employee benefit plans and insurance. Dave and his wife, Kelly, live in Chester, NJ with their four children, Harrison, Julia, Samantha and Brandon. He volunteers his business acumen by serving as a board member for The Sunrise House, a not-for-profit organization. Florida State University BS, Economics, 1987 Fairleigh Dickenson University Certificate in Financial Planning, 2000 Mary Guza, CFP Financial Planning Specialist Financial Advisor At The Ricca-Weinerman Group at Morgan Stanley Smith Barney, Mary provides invaluable assistance to our clients in terms of investment advice, financial research and trading executions. As a CFP, her responsibilities are focused on comprehensive wealth management for our corporate and individual clients and applying her specialization in insurance where appropriate. Whether she is structuring a portfolio or solving an administrative problem, Mary s outgoing personality and high energy make her a pleasure to work with for both clients and colleagues. King s College BS, Finance, MORGAN STANLEY SMITH BARNEY

5 Diana L. Chaney Financial Planning Specialist Financial Advisor Having started on Wall Street working on the floor of the New York Stock Exchange, Diana parlayed her trading experience into a successful career as a portfolio manager for The U.S. Trust Company and Smith Barney Asset Management. After leaving Wall Street for a few years to raise her young family, Diana joined The Ricca-Weinerman Group at Morgan Stanley Smith Barney bringing extensive experience and knowledge in investment analysis, asset allocation and style diversification. Diana assists Michael and David in analyzing our broad investment management capabilities and structuring our client s professionally managed portfolios. A resident of Mendham, NJ, Diana lives with her husband, Michael, and their sons, Robbie and Billy. When not at work, Diana can usually be found at one of her son s sporting events. Bucknell University BS, Management, 1984 New York University MBA, Finance, 1990 University of Pennsylvania Securities Industry Institute, 1993 Stephen R. Allen, CFP Financial Advisor With over 10 years of experience in wealth management, Stephen began his career with Merrill Lynch s Private Client Group in New York City; joining Morgan Stanley Smith Barney in Florham Park, NJ in Stephen is experienced and talented in delivering planning for high net worth families, including retirement forecasting, asset allocation modeling, education savings plans, and estate planning. He also handles the execution of stock and stock option trades for our clients. Stephen obtained the designation of Chartered Retirement Planning Counselor through the College of Financial Planning in 2004 and Certificate in Financial Planning in Stephen resides in Wayne, NJ with his wife, Christi and their daughters, Emma and Caroline. Rider University BS, Marketing, 1999 Faireigh Dickinson University Certificate in Financial Planning, 2011

6 Shanon B. Ohlweiler Group Administrator Assistant Vice President Shanon is a veteran of The Ricca- Weinerman Group at Morgan Stanley Smith Barney and she, along with her team, is responsible for the group s exceptional service capabilities. Her commitment to operational excellence is demonstrated in her efficiency and extensive knowledge of the complex administrative requirements of our client s lives. The high level of satisfaction experienced by our clients is very much a function of Shanon s commitment to removing as much of the administrative burden from them as possible. Shanon lives in Mendham, NJ with her husband Chris and her two children, Billy and Caroline. She is a sport and classic car enthusiast as well as a nationally certified instructor for the Porsche Club of Americas Drivers Education Program. Fairleigh Dickenson University BA, Finance, 1999 Lindsay B. Conte Registered Marketing Associate Assistant Vice President Lindsay is vital to the success and client satisfaction achieved by The Ricca-Weinerman Group at Morgan Stanley Smith Barney. An invaluable member of the team, Lindsay is a highly efficient administrator with a calm demeanor. In addition to handling the broad range of administrative needs and requests of our client s, Lindsay is highly proficient in the analytics and performance reporting of our extensive investment management capabilities. Having been born and raised in South Africa, Lindsay currently lives in Chester, NJ with her husband, Vincent, daughter, Ava, and new son, Ryan. Fairleigh Dickenson University BS, Finance, 2002 Kimberlie Wavra Registered Client Service Associate Experienced in customer service and sales, Kim s responsibilities currently include general account administration, operations and client service as she gains experience in our comprehensive financial planning capabilities. She is highly organized and proactive which makes her a perfect fit with the team. Kim lives in Gillette, NJ and is a graduate of Seton Hall University. Seton Hall University BS, Business Administration, Finance, MORGAN STANLEY SMITH BARNEY

7 Rachael Bulmer Registered Client Service Associate Rachael s strong research, analytical and writing skills benefit our clients as she ensures that their broad day-to-day financial needs are consistently met. A highly effective problem solver, Rachael enjoys the challenge of dealing with the broad range of capabilities the The Ricca- Weinerman group has to offer. Rachael currently lives in Hoboken, NJ and keeps her language skills proficient by tutoring high school students in Spanish. Bucknell University BA, Political Science and Spanish, 2010 Cynthia Adduci Client Service Associate Cynthia has been a part of the Florham Park branch of Morgan Stanley Smith Barney for several years and worked in a variety of roles, including Branch Administrator. In order to spend more time at home with her husband and young children, Mia and Matthew, she joined the Ricca-Weinerman Group at Morgan Stanley Smith Barney on a part-time basis. Her broad operational knowledge and optimistic nature make her a special part of the team. William Paterson University - BA, Psychology, 1995 Lindsay M. Prosser Registered Client Service Associate The newest member of The Ricca- Weinerman Group at Morgan Stanley Smith Barney, Lindsay joined the firm after graduation from Bucknell University. She is highly organized and enjoys working with people which makes her a wonderful addition to the client service team. Lindsay is currently living in Morristown, NJ and looking forward to finding a dog for her new home. Bucknell University BA, Environmental Studies and Economics, 2011 THE RICCA-WEINERMAN GROUP 7

8 Developing Your Wealth Management Strategy Individuals work hard to build wealth in pursuit of a meaningful life for themselves and their family. Your achievements reflect substantial effort, and we will work just as hard on your behalf, committing our experience and skills to helping you achieve your unique goals for your wealth. Moreover, we will support you and your strategy by accessing the resources and perspective of one of the world s largest financial firms. 8 Before our team offers specific advice, however, we must understand who you are and what you want your wealth to accomplish. Working with you, we will complete a four-step process: 1 Setting your financial objectives We will begin our relationship by listening discussing a range of topics related to your financial needs and investment objectives: long-term life goals and expectations, possible major purchases, and legacy and charitable goals, if you have them. We will discuss your current financial resources, your time horizon for various goals, your tolerance for risk even how your liabilities are structured. If you own a business, we also might discuss your current banking and cash management needs. MORGAN STANLEY SMITH BARNEY 2 Developing your wealth management strategy Based on your input, our advice will likely help address income and retirement planning, asset protection, investment management, strategic borrowing, wealth transfer and business succession. Of course, your plan will include an asset allocation strategy designed to help achieve your financial goals in light of your risk tolerance and investment time horizon. 3 Implementing your strategy After we have discussed and refined your strategy, the team works closely with you to bring the elements to life. Should we decide together that outside money managers are appropriate for you, we will draw on in-depth research and analysis to help you select from the hundreds of investment management firms available to you. If you prefer to invest in individual securities, we can help identify specific stocks, bonds and other securities that may be suitable for your portfolio. Whatever approach we decide on, the team will help you keep your strategy on track. 4 Reviewing your performance You will receive a quarterly review that outlines your portfolio s performance, helping you track progress toward your objectives. Moreover, when your personal situation or market conditions change significantly, we can suggest appropriate adjustments to your portfolio to help it remain aligned with your goals.

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10 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 Smith Barney. 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. l Balance Sheet Analysis l Retirement Planning l Education Planning l Estate Planning l Multigenerational Planning l Insurance 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. l Asset Allocation l Investment Management l Traditional Investments l Alternative Investments l Separately Managed Accounts

11 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. l l l IRAs: - Traditional - Roth IRA Rollovers Roth Conversions Building a Unique Legacy Estate planning 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. Educating New Generations Helping to meet the education costs of children and grandchildren may be one of the most attractive and personally fulfilling investment opportunities available to you. We can help you access appropriate investment vehicles 529 plans and custodial accounts. 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. l Charitable Lead and Remainder Trusts l Family Foundations l Donor Advised Funds Strengthening Your Business The links between business ownership and personal wealth are many and complex. Whether your objective is to grow your business, realize its value through a succession strategy or sale, or maintain family ownership by the next generation, we can examine your alternatives in light of both business and personal objectives. And, should circumstance require it, we can use the access to banking services of Morgan Stanley Smith Barney. l Credit Facilities l Cash Management l Retirement Plans l Strategic Consulting and Transactions l Succession Planning 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. l Life and Disability Income Insurance l Life Insurance Trusts l Key-Person Insurance 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 long-term costs THE RICCA-WEINERMAN GROUP 11

12 Asset Allocation and Portfolio Planning We will work together using a process that focuses on you and your goals, integrating investment decisions with pressing financial needs and desired aspirations. Moreover, we will support you and your strategy with the resources and perspective of one of the world s largest financial firms. 1 Before we can advise you, we must understand you and your goals. We will guide you through an extensive discovery process to identify your objectives, time horizon, tolerance for risk and other considerations that may play a role in shaping your investment strategy. 12 MORGAN STANLEY SMITH BARNEY

13 Discover Diversify 2 When our analysis is complete, we will present you with a comprehensive plan and asset allocation that helps to identify appropriate diversification strategies. Designed to help you meet your specific needs, these recommendations may address areas such as retirement, education expenses, estate planning and minimizing taxes. Review Implement 3 The team will work closely with you to bring the elements of your plan to life, helping you to select from the hundreds of investment management firms available to you, and identify specific stocks, bonds and other securities that may be suitable for your portfolio. Then we will closely monitor your portfolio. 4 We will review your portfolio together at your request. And when your circumstances change, the team will work with you to revise your strategy and reposition your assets to reflect your new needs and goals.

14 Awards Named to Barron's Top 1000 Advisors in 2009, 2010, 2011, 2012 Awarded America's Top 100 Wirehouse Advisors by Registered Rep Magazine in September 2011 Recognized in January 2011 as Wealth Advisors who scored highest in overall satisfaction and excellence in business planning, estate planning and insurance by NJ Monthly 14 MORGAN STANLEY SMITH BARNEY

15 Morgan Stanley Smith Barney 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 Smith Barney 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.

16 Named to Barron's "Top 1000 Advisors" in 2009, 2010, 2011 and 2012 Awarded America's Top 100 Wirehouse Advisors in September 2011 by Registered Rep Magazine Recognized in January 2011 as Wealth Advisors who scored highest overall in satisfaction and excellence in business planning, estate planning and insurance by NJ Monthly Source: Barron's "Top 1,000 Advisors," February 20, 2012, as identified by Barron's magazine, using quantitative and qualitative criteria and selected from a pool of over 4,000 nominations. Source: Barron s "Top 1,000 Advisors," February 21, 2011, as identified by Barron s magazine, using quantitative and qualitative criteria and selected from a pool of over 4,000 nominations. Source: Barron's "Top 1,000 Advisors," February 20, 2010, as identified by Barron's magazine, using quantitative and qualitative criteria and selected from a pool of over 4,000 nominations. Source: Barron's "Top 1000 Financial Advisors," February 9, 2009, as identified by Barron's magazine, using quantitative and qualitative criteria and selected from a pool of over 3,000 nominations. Advisors in the Top 1000 Financial Advisors have a minimum of seven years of financial services experience. Qualitative factors include, but are not limited to, compliance record, interviews with senior management, and philanthropic work. Investment performance is not a criterion. The rating may not be representative of any one client's experience and is not indicative of the Financial Advisor's future performance. Neither Morgan Stanley Smith Barney nor its Financial Advisors pay a fee to Barron's in exchange for the rating. Barron s is a registered trademark of Dow Jones & Company, L.P. All rights reserved. Source: Registered Representative s "Top 100 Wirehouse Advisors in America," February 2011, bases its rankings exclusively on the quantitative criteria of assets under management. This year's list of Top 100 Wirehouse Advisors in America was created by Discovery Database, an online database of financial service intermediaries published by the Financial Information Group of Shrewsburry, N.J. Nominations by Financial Advisors were accepted. The ranking is not indicative of the Financial Advisor's future performance. Morgan Stanley Smith Barney does not pay a fee to Registered Representative in exchange for the ranking. Five Star Professional, as a third-party research firm, administers a survey, by mail and phone, to 1 in 4 high-net-worth households and registered financial services representatives to evaluate the wealth managers in a metropolitan area. The evaluation is based on nine criteria, including customer service, integrity, knowledge/expertise, communication, value for fee charged, meeting of financial objectives, post sale service, quality of recommendations, and overall satisfaction. After review by a panel of local industry experts and a review of regulatory history, Five Star Professional determines the final list of Five Star Wealth Managers scoring highest in overall satisfaction and representing less than 7% of the wealth managers in the metropolitan area. Five Star Wealth Managers do not pay a fee to be included in the research or the final list of Five Star Wealth Managers.Only wealth managers with more than five years of experience in the financial services industry are considered.the overall evaluation score of a wealth manager reflects an average of all respondents and may not be representative of any one client's experience.the Five Star award is not indicative of the Financial Advisor'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 Five Star Wealth Manager list should not be construed as an endorsement of the wealth manager by Five Star Professional.Neither Morgan Stanley Smith Barney nor its Financial Advisors pay a fee to Five Star Professional in exchange for the rating.please keep in mind that working with a Five Star Wealth Manager is no guarantee as to the future investment success nor is there any guarantee that the selected wealth managers will be awarded this accomplishment 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, its affiliates and Morgan Stanley Smith Barney Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. This material was not intended or written to be used for the purpose of avoiding tax penalties that may be imposed on the taxpayer. 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. Life insurance, disability income insurance, and long-term care insurance are offered through Morgan Stanley Smith Barney's licensed insurance agency affiliates. Morgan Stanley Smith Barney LLC and its affiliates do not provide tax or legal advice. To the extent that this material or any attachment concerns tax matters, it is not intended to be used and cannot be used by a taxpayer for the purpose of avoiding penalties that may be imposed by law. Any such taxpayer should seek advice based on the taxpayer's particular circumstances from an independent tax advisor Morgan Stanley Smith Barney LLC. Member SIPC /2012 CRC