1 Our Commitment. 3 Our Mission. 8 Our People. The Lonske Group at Morgan Stanley Smith Barney
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1 1 Our Commitment 3 Our Mission 8 Our People The Lonske Group at Morgan Stanley Smith Barney
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3 Our Commitment: To help preserve your wealth and enhance your life Those with the skills and determination to create significant wealth are not necessarily well prepared to manage it. There are highly complex and time-consuming financial planning, asset management and other issues to consider, and successful people often don t have the time, inclination or specialized knowledge to address them. The Lonske Group serves as financial advisors to these families. The Lonske Group provides comprehensive wealth and liability management services to highly successful people. Our clients have worked hard for their money, and turn to us to simplify their lives by managing their financial affairs on a daily basis. We take the time to develop a deep understanding of each client s specific needs, circumstances and goals; and make all recommendations in that context. Working as a tightly knit team, and drawing on the firm s resources, we provide a comprehensive range of coordinated services, including wealth preservation and enhancement, wealth transfer, investment management, retirement planning, liability management, philanthropy, trusteeship, risk management, lifestyle management, record keeping and reporting. In addition to the services we provide to successful individuals, we work with corporations and institutions to help optimize the cash management, retirement plan and transition strategy. We also provide access to Morgan Stanley Smith Barney s world-leading Investment Banking resources. Our clients are individuals, businesses and endowments that expect excellence in all their dealings. We are dedicated to meeting and exceeding their expectations every day we come to work. the lonske group 1
4 Our Investment Philosophy: Access the best. Prepare for the worst. At The Lonske Group, we strive to provide clients with the highest levels of technical expertise and practical experience in the management and preservation of wealth. Through client-specific financial analysis, our services are designed to help secure your financial well-being for the long term. Our investment techniques are primarily defensive in nature. Our goal is to generate mid- to high-singledigit returns through any multiyear time period. We believe that appropriate alternative investments should be a key part of this strategy as they, in our opinion, are less volatile than stocks or bonds over time. We re strong advocates of in-person meetings with portfolio managers, analysts, strategists, economists, hedge fund managers and senior management of companies... anyone who can give us a better understanding of the broad investment climate and particular opportunities within it. These meetings become part of our due diligence process, not only for how we form our strategy, but also how we select the managers that are going to manage different components of the tactical allocation. We provide access to what we believe are some of the best hedging strategies, alternative investments, equity managers and municipal bond talent in the industry.
5 our mission Uncompromising service and personal attention are the hallmarks of The Lonske Group. We treat our clients as if they were our only account, striving to provide whatever they need whenever they need it. We apply a high level of due diligence, research and analysis to financial management, and pay constant attention to the composition and performance of our clients portfolios. Our service orientation will be evident from your first meeting at The Lonske Group, where we will work to identify your needs, objectives and risk tolerances. We ll ask you about the hopes and concerns you have for your family, your business and your community. We will learn as much as we can about your life not just how you earned your money, but how your experiences have shaped who you are and where you want to go from here. This personal assessment is integrated into our investment process, a critical part of our effort to design the optimal individualized portfolio. Once this portfolio is agreed upon and implemented, we communicate with you on a regular basis. We ll send you a written portfolio performance report every three months and schedule a meeting to review your accounts. We offer this boutique level of service coupled with the resources of one of the largest advisory firms in the world. Directly, through Morgan Stanley Smith Barney, or through our broader network, we provide you with a comprehensive range of financial strategies and services. the lonske group 3
6 27 % Municipal Bond 14 % Large Cap Growth 12 % International Equity 11 % Alternative 10 % Large Cap Income Value Sample Asset Allocation Asset allocation is shown for illustrative purposes only, and is not suitable for all investors.
7 8 % small / mid cap 5 % funds4 hedge % futures3 managed re al % estate 3 re al % assets 3 % private equity
8 Our Services: A coordinated approach to a comprehensive plan The Lonske Group provides access to a broad range of world-class financial services, enabling us to create and implement cohesive wealth management strategies that serve the precise needs of our clients. financial planning We believe strongly in financial planning and financial modeling. This process involves identifying goals and gathering and reviewing financial data, and culminates in designing and implementing a plan to help you reach your goals. Once your plan is in place, it must be monitored, reviewed and updated to continually reflect the client s personal circumstances. Not everyone needs to have a written comprehensive financial plan. However, everyone can benefit from the financial planning process. Our financial planning services are oriented toward developing written strategies for solving problems and reaching goals as determined by the client s needs. These services are available individually or as part of a comprehensive plan that can include: Retirement Income and Capital Needs Analysis Investment Analysis and Strategy Estate Planning and Tax Reduction Charitable Giving Strategies investment policy statement Once we have all the qualitative and quantitative information we need to thoroughly understand your financial goals, we compose a proposed Investment Policy Statement. Each client has a personalized Investment Policy Statement, which outlines the strategy that is just right for that individual. focus on tax-sensitive asset management By reducing taxes, you retain more of the earnings on your investments, which in turn can grow and compound in the future. We exercise care in the appropriate placement of investments within taxable and tax-deferred accounts. We also work proactively with your CPA to reduce tax exposure in taxable accounts. With your permission, we share all records, reports and confirmations with your tax professionals, estate attorneys and other advisors, and communicate with them frequently to coordinate our efforts on your behalf. 6 morgan stanley smith barney
9 asset and liability management Whether it s selecting from among the best stock, bond and hedge fund managers from around the world, or using innovative loan products for total balance sheet management, the asset and liability strategies we create use only some of the best professionals in the business. Our recommendations are truly independent and unbiased, as our compensation is independent from manager selection. We recommend a combination of products and services from within, and outside of, Morgan Stanley Smith Barney. We believe this helps our clients grow and protect their assets. Our wealth management services provide a comprehensive level of planning and investment management. We begin with the development of a financial plan and an Asset Management Strategy. As part of this process, we integrate your current holdings, including private equity and venture capital exposure, within our asset management strategy to ensure our work complements your existing outstanding investment assets. Once your investment strategy is in place, we provide ongoing asset and liability management, financial planning services and periodic review meetings. By staying in regular communication, we make sure that your investment strategy and asset allocations remain appropriately aligned with your goals.
10 Our People: Meet the Professionals The Lonske Group consists of seven experienced professionals, all of whom are devoted to helping meet the financial needs of our clients. the lonske group at morgan stanley smith barney 8 morgan stanley smith barney
11 jonathan W. lonske Managing Director Wealth Advisor The founder of The Lonske Group, Jonathan Lonske has worked at Morgan Stanley Smith Barney and predecessor firm since Prior to joining Morgan Stanley, Jonathan held senior investment positions at several financial services firms, including Senior Portfolio Administrator of the Aim Municipal Bond Fund with State Street Bank and Trust; and Senior Consultant, Presidents Club Member with UBS PaineWebber. He is a Massachusetts Commonwealth Scholar, and has a B.B.A., magna cum laude, from the University of Massachusetts, Amherst. He holds FINRA Series 7, 63, 65 and 31 licenses as well as health and life insurance licenses. Jonathan s top community service priorities are the welfare and early education of children, and he devotes much time and resources to both. He sits on the board of Associated Early Care and Education (AECE), and has personally raised over $400,000 for that organization since thelonskegroup@mssb.com justin r. fuery Associate Vice President Financial Advisor Justin Fuery joined the predecessor firm of Morgan Stanley Smith Barney and The Lonske Group in April of Prior to joining Morgan Stanley, Justin spent more than three years working for the Big 4 Public Accounting firm of KPMG. While at KPMG, he spent the vast majority of his time working on financial statement audits in the Financial Services line of business. Justin graduated magna cum laude with a B.S. in Accountancy from Bentley College where he was President of Beta Alpha Psi and a member of Beta Gamma Sigma, both honors business societies. Currently, Justin s efforts are focused on high net worth Financial Planning for both individuals and families. He is also a member of Morgan Stanley Smith Barney s Pacesetter s Club for his outstanding performance and demonstrated leadership in the best practices of wealth management at the firm. He currently holds FINRA Series 7, 63, 65 and 31 licenses as well as his life insurance license. Justin.R.fuery@mssb.com
12 meet the professionals dora chin Relationship Manager mary e. flanigan, cfp Consulting Group Analyst Dora Chin joined the predecessor firm of Morgan Stanley Smith Barney in July Prior to joining Morgan Stanley, she was an Associate / Assistant Treasurer at Deutsche Banc Alex Brown, where she was responsible for high net worth clients restricted securities sales and IPOs. She has over 25 years of experience in the financial services industry. Dora graduated from Stony Brook with a B.A. in Economics and Minor in Business Administration. She holds FINRA Series 7, 63, 65 and 31 licenses, as well as health and life insurance licenses. Dora.Chin@mssb.com Mary E. Flanigan rejoined the predecessor firm of Morgan Stanley Smith Barney as a Registered Client Service Associate in 2007 after a one-year hiatus with Sapers & Wallack, an investments and insurance firm in Cambridge, MA. At Sapers & Wallack, Mary was responsible for providing portfolio analysis, asset allocation and investment selection for select clientele. Prior to Sapers & Wallack, Mary held various client service positions, including three years with The Lonske Group as a Registered Client Service Associate. Mary obtained the Certified Financial Planner designation in July 2010 and brings a wealth of education and information to developing high net worth financial plans for our clients. She earned a Bachelor of Science in Business Administration with a concentration in Finance from the University of Vermont, and holds her FINRA Series 7, 63, 65 and 31 licenses as well as health and life insurance licenses. Mary.flanigan@mssb.com
13 dustin broughton Relationship Manager amanda santizo Registered Client Service Associate jonathan p. hyett Vice President Financial Advisor Dustin Broughton joined Morgan Stanley Smith Barney, after four years as a General Securities Principal with Scottrade, Inc., a privately held securities brokerage firm. At Scottrade, Dustin was responsible for managing over 200 branch-office associates across the country as well as ensuring compliance with day-today branch operations. Dustin brings exceptional client service experience, as well as proficient knowledge of markets and investment products, to The Lonske Group. Dustin earned a Bachelor of Science in Business Administration with a concentration in Finance from Bryant University, and holds his FINRA Series 7, 66 and 31 licenses as well as health and life insurance licenses. Dustin.Broughton@mssb.com Amanda Santizo joined the predecessor firm of Morgan Stanley Smith Barney in 2007 as an Operations Associate. In this role, she was responsible for approving in-house money transfers, check disbursements and account maintenance changes / updates. In 2011, Amanda moved to The Lonske Group as a Registered Client Service Associate. She earned her Associate Degree in Business Management from Bunkerhill Community College and currently holds her FINRA Series 7, 31 and 66 licenses. Amanda.Santizo@mssb.com Jonathan P. Hyett joined the Lonske Group in 2001 following a five-year tenure at Prudential Securites. Initially focused on liability management, Jonathan has expanded his responsibilities to conduct high net worth Financial Planning for individual clients and families. In 2006, Jonathan earned a membership to the Morgan Stanley Mortgage Elite Club as a Liability Management Honoree. He is also a charter member of the Morgan Stanley Pacesetters Club for his outstanding performance at the Firm. Jonathan holds FINRA Series 7, 63, 65 and 31 licenses as well as health and life insurance licenses. Jonathan is a graduate of Northeastern University where he majored in Finance and Insurance. He holds a B.S. in Business Administration and is a member of the National Society of Collegiate Scholars (NSCS). Jonathan.P.Hyett@mssb.com the lonske group 11
14 Morgan Stanley Smith Barney Morgan Stanley Smith Barney follows a simple rule: Do what is right for each client. The firm s open architecture frees our Financial Advisors to recommend any world-class products and services that best suit a client s situation and goals. Both individual and business clients benefit from the same global access and innovation the firm provides to corporations, governments and institutional investors. In 2010, parent company Morgan Stanley celebrated its 75th anniversary as a premier investment bank engaged in the formation, distribution and management of capital. Created during the depths of the Depression, Morgan Stanley has helped its clients navigate through good times and bad, guided by its founding principle of doing first-class business in a first-class way. The firm continually leverages its intellectual capital and global reach to create and deliver targeted solutions for high net worth investors just like you. Whether you seek straightforward financial strategies or the most sophisticated investments or advice, Morgan Stanley Smith Barney provides access to some of the industry s most highly regarded resources, including: A premier managed money platform Two of Wall Street s highest-rated research departments The thinking of the firm s Global Investment Committee Extensive capital markets capabilities 12 morgan stanley smith barney
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16 The Lonske Group 28 State Street, 27th Floor, Boston, Massachusetts / Main / fax / lonske thelonskegroup@mssb.com In June 2009, Morgan Stanley s wealth management unit merged with Smith Barney to form Morgan Stanley Smith Barney. Past performance is no guarantee of future results. An investment in alternative investments can be highly illiquid, is speculative and not suitable for all investors. Investing in alternative investments is only intended for experienced and sophisticated investors who are willing to bear the high economic risks associated with such an investment. Investors should carefully review and consider potential risks before investing. Some of these risks may include: loss of all or a substantial portion of the investment due to leveraging, short-selling or other speculative practices; lack of liquidity in that there may be no secondary market for the fund and none is expected to develop; volatility of returns; restrictions on transferring interests; potential lack of diversification and resulting higher risk due to concentration of trading authority when a single advisor is utilized; absence of information regarding valuations and pricing; complex tax structures and delays in tax reporting; less regulation and higher fees than mutual funds; and manager risk. Individual funds will have specific risks related to their investment programs that will vary from fund to fund. 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, its affiliates and Morgan Stanley Smith Barney Financial 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. Individuals are urged to consult their personal tax or legal advisors to understand the tax and related consequences of any actions or investments described herein. Consulting Group is a division of Morgan Stanley Smith Barney LLC Morgan Stanley Smith Barney. Member SIPC / 12
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