Alliance Group at Morgan Stanley
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1 Alliance Group at Morgan Stanley
2 1200 THIRD AVE HUNTINGTON, WV / MAIN / TOLL-FREE / FAX htm
3 Alliance Group at Morgan Stanley 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. ALLIANCE GROUP 3
4 Meet the Professionals 4 MORGAN STANLEY
5 William C Brown, Jr. Senior Vice President Financial Advisor "Cam" has been Senior Vice President of Investments and Financial Advisor with Morgan Stanley Smith Barney for the past 28 years. Prior to his work as a financial planner for individuals, Brown was a trader in New York and a member of the faculty of Marshall University, teaching courses in economics, finance and investments. Cam received his BBA in Finance in 1978 and his MBA in 1980, both from Marshall University, where he played varsity tennis. Cam has been a Chairman's Council member since 1996 and has received the 25-Year Dedicated & Loyal Service Award from Morgan Stanley Smith Barney. Brown helps to train Morgan Stanley financial consultants throughout the United States in the area of retirement planning, and he has authored two books, "Retire at 55" and "Ready, Aim... Retire." Cam believes strongly in building communities. He is a long-time member of the NFL Player's Association, keynote speaker for the National Basketball Association (NBA) Retired Players annual meeting, member of the Marshall University Tipoff Club, a Little League baseball and YMCA basketball coach and a Cubmaster for Boy Scouts of America. Cam is married to Mary Calhoun Brown, and they have 3 sons together: William, Harrison and Dewey. Mary is the award-winning author of "There Are No Words." Jefferey H Biederman Jr. Financial Planning Specialist Senior Vice President Financial Advisor Jeff has been a Senior Vice President, Financial Advisor and Financial Planning Specialist with Morgan Stanley for over 15 years. Biederman s father and role model, Jeff Sr., worked for Morgan Stanley Wealth Management for over 36 years. Jeff received his BA from Hampden-Sydney College in He started his career in finance with Montgomery Asset Management in San Francisco, CA before returning home in Biederman is a member of the Morgan Stanley Wealth Management Master s Club. An active volunteer in the community, Biederman has served on the Board of Directors of Big Brothers Big Sisters of the Tri-State and has chaired the Bowl for Kid s Sake Fundraiser since Jeff also is on ALLIANCE GROUP 5
6 Edward Nichols Financial Advisor the Board of Trustees for the Cabell Huntington Hospital Foundation, the Marshall University Tip-Off Club Committee and is a member of Fifth Avenue Baptist Church. Jeff is married to Amber and they have two children, Anna and Jefferey III. He is enjoys spending time with his family, tennis, and Marshall University basketball. Edward B Nichols has worked in the Financial Industry for more than 29 years. Since 1993, Ed has been a Financial Advisor for Morgan Stanley Wealth Management in Charleston, WV providing financial services to his individual and corporate clients. Prior to his work as a Financial Advisor, Ed was Assistant Vice President and a Commercial Lending Officer for The First Huntington National Bank in Huntington, WV. Ed earned his Bachelors of Business Administration degree from Marshall University in He completed the CFP Certification Professional Education Program offered through the College for Financial Planning. Ed has met the qualifications and has earned the certification of CERTIFIED FINAN- CIAL PLANNER professional. He is also a member of the Financial Planning Association (FPA). Certified Financial Planner Board of Standards Inc. owns the certification marks CFP, CERTIFIED FINAN- CIAL PLANNER and federally registered CFP (with flame design) in the U.S.,which it awards to individuals who successfully complete CFP Board s initial and ongoing certification requirements. Ed's office address is: Morgan Stanley Wealth Management 500 Lee Street, East Laidley Tower, Suite 300 Charleston, WV Direct: Toll Free: Fax: MORGAN STANLEY
7 Benjamin McGinnis Financial Advisor Ben has worked in finance for over 5 years. Prior to Morgan Stanley, McGinnis worked at Twentieth Street Bank in the Loan Division and as a Financial Advisor. From 2003 through 2012, Ben worked for CR Bard as a Senior Territory Manager. Ben received his bachelor's degree in Finance with specializations in economics and management from Marshall University in Huntington, West Virginia. Aside from his time in the office, Ben enjoys working as a volunteer for the Boy Scouts of America and coaches both youth basketball and soccer. He is a lifelong member of Johnson Memorial United Methodist Church. Ben is married to Aly, and they have four children together, Max, Riley, Darby and Lily. In his spare time he enjoys playing golf, reading and spending time with his family.
8 We Work to Understand the Full Scope of Your Financial Picture It starts with listening. We ask questions regarding your needs and dreams, your tolerance for risk, your time horizon and then listen. It s an ongoing process through which we strive to know all we can about you, your family, your business (if applicable) and your short- and long-term goals. This period of discovery helps us make informed recommendations and design a flexible wealth management plan that is uniquely yours Discovery process Identify your goals, values, dreams, special concerns/challenges 2 Develop investment strategy Determine risk tolerance Analyze current investment portfolio Develop asset allocation strategy Portfolio construction 8 MORGAN STANLEY
9 The Client Experience Investment strategy meeting In-person meeting to present recommended investment strategy 5 Follow-up meeting In-person meeting to discuss: First statements Organization of paperwork Set up online account access (and review online resources) Develop schedule for 7 Wealth management plan meeting In-person meeting to present comprehensive wealth management strategies 9 Ongoing monitoring of investment strategy and wealth management plan Develop schedule for review meetings future review meetings Schedule wealth management plan meeting 4 Execution of investment strategy Open new accounts Transfer existing assets Conduct trades to execute agreed-upon investment strategy 6 Develop comprehensive wealth management plan Financial planning Retirement planning Access to banking and lending services Education planning Business succession planning Charitable giving Family dynamics Estate planning management plan meeting 8 Execute wealth management plan Ongoing execution of wealth management strategies 10 Re-evaluate investment strategy based on changes to goals, objectives and/or expectations Adjust investment portfolio and/or wealth management plan in light of any changes CRC# /2012
10 Creating Your Plan To be truly effective, your plan must reflect the totality of your personal and financial life. Our role is to help ensure that your investment objectives are consistent with pressing financial concerns and your long-term aspirations. These four steps were developed to achieve that goal: 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, including tolerance for risk, tax concerns, liquidity needs and time horizon. Through careful analysis, the team will look for potential gaps that may exist between you and your goals, and develop sound strategies to help smooth the path. 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. You will also receive an asset allocation strategy designed to provide diversification for your portfolio. 3 Implementing your strategy After discussing and refining your strategy, we will work closely with you to bring the elements to life. Should we decide together that outside money managers are appropriate for you, the team will draw on indepth 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, we will help you keep your strategy on track. 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 changing financial needs and provide viable strategies to help you meet them. This means reviewing your portfolio together at your request. When your circumstances change, we will work with you to revise your strategy and reposition your assets to reflect your new needs and goals. 10 MORGAN STANLEY
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12 $1.7 Trillion CLIENT ASSETS 7,000,000 CLIENT ACCOUNTS 17,600 FINANCIAL ADVISORS 800 GLOBAL LOCATIONS CEO AND SENIOR MANAGEMENT TEAM WITH DEEP WEALTH MANAGEMENT EXPERIENCE OF COMBINED EXPERIENCE 130YEARS AStrong,SteadyForceinaChangingIndustry Information as of 08/08/2011 unless otherwise indicated
13 A CULTURE of EXCELLENCE OVER THE YEARS, YOU HAVE MADE MANY FINANCIAL DECISIONS. ONEINPARTICULARISLIKELYTOHAVEALASTINGIMPACT ONYOURWELLBEINGANDTHATOFYOURFAMILY: THE CHOICE OF A FINANCIAL ADVISOR. InvestorswhochooseMorganStanley oftentellusthattheirreasoningissimple. They choose a Financial Advisor and afirm thatmirrorsthevaluespropelling their own success: a commitment toperformatthehighestlevelfortheir clients, with no shortcuts, compromises or excuses. APROFOUNDUNDER- STANDING OF WEALTH MANAGEMENT NEEDS Business Strategies Charitable Pursuits Education Funding Estate Planning Integrated Planning Investment Management Liquidity Retirement Risk Management VAST EXPERIENCE. Drawingonmany yearsofexperience,morganstanley understandstheimportanceofshaping relationships that reflect client needs, preferences and aspirations. OurfirmandFinancialAdvisors have an in-depth understanding of virtually all the challenges, goals, preferences, styles and strategies that distinguish wealthy investors. Additionally, as a truly global financial institution,wehaveanequallyacute knowledge of financial opportunities andthepotentialrisks. Thiscombinationpositionsusto helpdevelop,structureandexecute strategies for your most important financial needs, from accumulating wealthtoinvestingforincome,from creating retirement reserves to devisingadistributionapproachthatmeets your lifestyle and legacy goals. INVESTMENT INSIGHT WITHOUT LIMITS. Asaclient,youhaveaccess tothestrategicandtacticalviewsof someoftheworld smostseasonedand respected investment professionals. The members of our Global Investment Committee develop strategies that guide the management of advisory accounts andhelptoinformthedecisionsof clients across Morgan Stanley. Theteamiscurrentlysupported by the work of 300 analysts at two of the world s largest investment banks, MorganStanleyandCiti,whocoverkey geographicandeconomicsectors,aswell as 2,500 individual equity securities. You also benefit from a premier trading and execution platform. Think of our 210 capital markets professionals as experienced, highly responsive and knowledgeable partners. PERFORMANCE THAT SEEKS TO MEET YOUR MEASURE. Amongthemostimportant skills of our Financial Advisors istheabilitytolisten:tounderstand yourfinancialneedsandthenalign theresourcestohelpmeetthem.your Financial Advisor can help you evaluateimmediateconcernsandplanfor long-termgoals,beasoundingboardfor yourinvestmentideas,andassistyouin developingandexecutingastrategythat ispreciselyyourownandhelpdeliver results that meet your needs. Your Financial Advisor is your advocate within our firm, an intelligent editorwhoselectsandalignsthemany capabilitiesofmorganstanleyforyou, deliveringtherightresourcestoyou inthewaythatismostappropriate for how you invest and what you want to achieve. ONE OF THE WORLD S STRONGEST INVEST- MENT ORGANIZATIONS STANDS BEHIND YOUR FINANCIAL ADVISOR Financial Advisors have access to top-flight research from both Morgan Stanley and Citi. Combined, they analyze and track the progress of more than 2,500 companies all over the world. Please read important disclosures on the back cover of this brochure 9/ PS-2584
14 Start the Conversation We are dedicated to providing you with the strategies and resources that can help you achieve your retirement goals in today s changing financial environment. The Retirement Standard is meant to help connect all the pieces of your financial life with a comprehensive plan of action designed to put you on a path to the retirement you envision. Every plan comes with our commitment to work with you over time to be sure you stay on track. 14 MORGAN STANLEY
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16 Morgan Stanley 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. 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. Morgan Stanley Smith Barney LLC offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please contact us to understand these differences. has entered into arrangements with banks and other third parties to assist in offering certain banking-related products and services. Unless otherwise specifically disclosed to you in writing, investments and services offered through Morgan Stanley are not insured by the FDIC, are not deposits or other obligations of, or guaranteed by, banks and involve investment risks, including possible loss of principal amount invested. Asset allocation and diversification do not guarantee a profit or protect against loss. Morgan Stanley Smith Barney LLC is a registered brokerdealer, not a bank. Where appropriate, Morgan Stanley Smith Barney LLC 2012 Morgan Stanley Smith Barney LLC. Member SIPC /2012 CRC
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