The DeSoto Holland Wealth Management Group at Morgan Stanley Smith Barney

Transcription

1 10 Developing Your Wealth Management Strategy 12 Creating Your investment Strategy 14 For life s Most important Goals The DeSoto Holland Wealth Management Group at Morgan Stanley Smith Barney

2 6805 Morrison Boulevard Suite 400, Charlotte, North Carolina / Toll-Free / Main / fax

3 The DeSoto Holland Wealth Management Group at Morgan Stanley Smith Barney Wealthy individuals and their families rely on their Financial Advisors for more than advice on whether to buy, sell or hold a security. Many of them are concerned about such complex issues as supporting an aging parent without depleting their legacy, maintaining their lifestyle after a divorce or retiring with the knowledge that their thriving business will continue to flourish. The DeSoto Holland Wealth Management Group believes in a holistic approach that helps clients address both sides of their personal balance sheet and every aspect of their finances. We know that too often, people tend to compartmentalize their financial concerns and address them individually without any overarching plan. That s why our clients look to us for comprehensive strategies that encompass such diverse disciplines as business transition, estate planning, debt structuring and portfolio management. The DeSoto Holland Wealth Management Group 3

4 Meet the Professionals Ricardo L. DeSoto Financial Advisor Senior Vice President Rick is originally from Charlotte and has been serving clients in the financial services business for 29 years. His focus is municipal and taxable fixed income where he possesses an extensive knowledge of the North and South Carolina municipal markets. Because of the volume of fixed income business that Rick has historically directed, he and the DeSoto Holland Wealth Management Group are members of Morgan Stanley Smith Barney s FidSelect Program and have access to sophisticated investment strategies and personalized attention with regards to fixed income products. Rick is the founding member of the DeSoto Holland Wealth Management Group and is responsible for having developed a team of financial professionals dedicated to covering the needs of a High Net Worth clientele. He holds the Series 7, 31, and 63 securities licenses, as well as life, accident and health insurance. 4 Morgan Stanley Smith Barney

5 Rick earned a BA in business from Western Carolina University where he played freshman football and was a varsity wrestler. He now serves on Western Carolina University s board of directors. He has also served on the boards of Fletcher School (Charlotte), Charlotte Rescue Mission, and the State Board for Fellowship of Christian Athletes (FCA), and currently serves on the African Leadership Board (a foreign missions organization). Rick makes his home in Charlotte with his wife Vikki where they attend Forest Hill Church. They are the proud parents of three grown children. Rick and Vikki enjoy running, traveling and are looking forward to having grandchildren. Rick.DeSoto@mssb.com Keith Holland Financial Advisor First Vice President Keith offers 27 years of experience in the financial securities business where he has focused on meeting the needs of professionals, business owners and retirees who look to him for guidance in helping them achieve their objectives. Additionally, Keith focuses on providing tax-advantaged growth and income through the use of various tax advantaged investments, including taxfree municipal bonds, fixed and variable annuities. He was the co-founder of the DeSoto Holland Wealth Management Group in Keith is originally from Charlotte and graduated from Appalachian State University, where he received a BS in Business Administration. He holds the Series 7, 31, and 63 securities licenses and is also licensed in life, accident and health insurance. As an active member of First Baptist Church Charlotte for 29 years, Keith currently serves on the Strategic Planning Committee and also chairs the church s Capital Campaign Fund. He has served as a deacon and as a member of numerous committees including Stewardship and Finance. Keith is an avid runner and enjoys cycling and traveling, as well as spending time with his family and friends at Lake Tillery. He and his wife Karen live in Charlotte and have two grown sons and one grandson. Keith.K.Holland@mssb.com The DeSoto Holland Wealth Management Group 5

6 Jeffrey B. Gaskin, CFP Financial Advisor Portfolio Manager Jeff brings with him 30 years of financial services experience and focuses on providing financial planning, retirement and estate planning, and portfolio management services to high net worth individuals, professionals and business owners. Jeff s designations as a CFP practitioner and Portfolio Manager qualify him to develop strategies for clients overall financial and portfolio needs, for which he incorporates investments across all asset classes. Jeff earned the Series 3, 4, 7, 12, 24, 27, 53, 63 and 65 securities licenses and is also licensed for life, accident and health insurance and long-term care. During his career, he has held management and advisory roles at UBS, EF Hutton and Legg Mason and was also a founder and president of a 105-person broker dealer firm. Jeff received a B.A. in chemistry from the University of North Carolina and an M.B.A. from Cornell University. He is an avid motorcyclist, owns a small farm, and has a thoroughbred horse that competes in Eventing (Dressage, Cross Country, and Stadium). Active in his community, Jeff serves as president of the board for the Alabama Institute for Deaf and Blind Foundation and is also chairman of its investment committee. He has served as the Annual Fund chairman and board member for the Charlotte Symphony Orchestra and also as a director for North Carolina Harvest. Additionally, he has been on the Finance and Strategic Planning committees of Carmel Baptist Church. Jeff resides with his wife, Marie, in Charlotte and they have three grown children. Jeff.Gaskin@mssb.com Jeff Snyder Financial Advisor Portfolio Manager Jeff has been in the financial securities business for 13 years and focuses on taxfree investing, portfolio management and financial planning. His clients include business owners, professionals (with an emphasis on physicians, nurses and administrators), and retirees desiring monthly income. Jeff emphasizes the importance of thoroughly profiling clients with the objective of reaching a proper asset allocation that is in line with their investment objectives and risk tolerance. Prior to joining the financial services industry, Jeff spent 15 years with one firm in the Construction Supply Business where he specialized in marketing, inventory management and business development. In addition, he served as the Sales Manager covering original equipment manufacturers of commercial 6 Morgan Stanley Smith Barney

7 and residential case goods and cabinetry in North Carolina. This experience provides Jeff with an ability to identify with the needs of business owners on a daily basis. Jeff earned a BS in Business Administration from Appalachian State University with a concentration in Marketing, and holds the Series 7, 31, 63 and 65 securities licenses. He is also licensed in life, accident and health insurance. As an active member of Christ Lutheran Church in Charlotte, Jeff serves as a leader for the church s Boy Scout troop. His other interests are focused on his family, where he is an avid supporter of his sons in competitive wrestling. He also is an owner of a Christmas tree farm in Ashe County, NC. Jeff and his wife, Liz, reside in Charlotte and have 4 children. Jeff.Snyder@mssb.com David Delaney Financial Advisor Vice President A native of Charlotte, David began in the financial securities industry 26 years ago with Interstate Securities in Asheville, NC where he worked primarily with institutional accounts. With a focus on working with local governments across the Southeast, David believes in a fixed income philosophy that reflects the credo of the investment of public funds: Capital Preservation, Liquidity and Yield. During his tenure of 10 years at UBS (prior to joining Morgan Stanley Smith Barney), David was one of the firm s Top 50 in the Regional Institutional Sales Group. David graduated from Western Carolina University with a BS in Business Law and has earned the Series 3, 7, 63 and 65 securities licenses. He is also licensed in life, accident and health insurance. David is an avid cyclist, where he devotes a significant amount of time supporting (and riding in) 24 Hours of Booty, the Lance Armstrong Foundation official 24 hour ride to raise vital funds for cancer research and survivorship. He and his wife, Beth, live in Charlotte and have four children and two grandchildren. David.Delaney@mssb.com The DeSoto Holland Wealth Management Group 7

8 Pam Dennis Senior Client Service Associate Dee Journigan Registered Client Service Associate Diane Locke Client Service Associate Pam has served in the Financial Securities business for 24 years where her focus has been operations. She is responsible for Account Transfers and works with clients on such day- to-day operational issues as journals, income disbursements, and trust and estate account initiations. Pam volunteers with the Charlotte Food Bank and is also involved with delivering meals to people through Friendship Trays. She is especially proud of her son who served our country honorably in the US Marine Corps Dee joined the Financial Securities industry 25 years ago and has a number of critical responsibilities with the team. In addition to interacting with clients on trades and other account issues, she is the designated wire operator for equities, options, mutual funds, fixed income and annuities. Dee holds the Series 7 and 66 securities licenses and earned an Associate Degree in Computer Science from Hardbarger Junior College of Business. She is an avid gardener who enjoys camping and fishing with her husband and two sons. Dee.Journigan@mssb.com Diane has been in the Financial Services industry for 17 years where her focus is on Group Administration. She is responsible for maintaining the business schedule for all team members, as well as organizing client, group training and planning events. She also plays a key role monitoring and organizing all files and records. Diane is a native of Gastonia, NC and attended Gaston College. She is very family focused, and she and her husband, Nick, enjoy following golf tournaments and growing flowers and plants. Diane.Locke@mssb.com Morgan Stanley Smith Barney

9 Kate Rogerson Registered Marketing Associate Sandra Wallace Registered Marketing Associate Kate joined the DeSoto Holland Wealth Management Group four years ago and is responsible for generating many of our financial plans and client reviews. In addition, she coordinates syndicate offerings and tracks municipal and taxable fixed income offerings for the team. Kate earned the Series 7, 31 and 66 securities licenses and is a graduate of Indiana University, with a BS in Psychology and a BA in Criminal Justice. She enjoys traveling, and is an avid runner, competing in events regularly. Kate.Rogerson@mssb.com Sandra brings 27 years of experience to the DeSoto Holland Wealth Management Group. She is an experienced Senior Client Service Associate skilled at maintaining long-term client relationships and is experienced as a former wire operator, operations manager, and administrative assistant. A graduate of the University of Mississippi, Sandra holds the Series 7, 63 and 65 securities licenses. She and her husband Bob live at Lake Wylie and are avid boating and fishing enthusiasts. Sandra especially enjoys traveling to the Caribbean Islands. Sandra.Wallace@mssb.com

10 Developing Your Wealth Management Strategy The DeSoto Holland Wealth Management Group takes a sensible, straightforward approach to structuring your wealth management strategy and investment portfolio that involves the following steps: 1 Recommendations Before we make any recommendations, we take the time to understand who you are as an investor and what you really hope to achieve for yourself and your family. That means an in-depth discussion of your current finances, future objectives, attitude toward risk and other circumstances that might assist us in developing a customized plan. 2 Analyze We analyze your input and develop a strategy to take advantage of your strengths, mitigate dangers that might impede your progress and position you for potential opportunities. Your strategy encompasses a variety of financial disciplines and contains a customized asset allocation that reflects your needs, goals and risk tolerance. 3 investment Strategy We work closely with you to bring your plan to life. This may involve working closely with your attorney, accountant and experts from around the firm to address estate planning, debt management and other specialized issues. It will also involve the formulation of an investment strategy to help implement the allocation we developed. That strategy may include in-house or third party discretionary management programs, as well as individual securities selection. 4 Communication As you would expect, we believe that ongoing communication is a vital component of our business. We strive to keep abreast of your changing financial needs and provide viable solutions to meet them. This means constant monitoring of your portfolio to make certain your assets are positioned to meet your changing circumstances, as well as fluctuating market conditions. If necessary, we recommend adjustments to your strategy. 10 Morgan Stanley Smith Barney

11

12 Creating Your Investment Strategy The DeSoto Holland Wealth Management Group provides you with investment choices typically unavailable through smaller teams of Financial Advisors. Advisory You can gain access to respected money managers who assume responsibility for day-to-day investment decisions and leave you with time to focus on activities most meaningful to you. Clients whom we believe can benefit from a discretionary management approach have two distinct choices: 1. The DeSoto Holland Wealth Management Group s Managed Global program offers diversified, professionally managed portfolios of individual stocks, Exchange-Traded Funds (ETFs) and Mutual Funds. Depending on the customized allocation we create for you, you may participate in equities, fixed income, commodities, metals, currencies, real estate and other alternative investments. The equity portion of your portfolio is compiled with input from Morgan Stanley Smith Barney s highly respected research department and consists primarily of large cap companies representing a variety of sectors. 2. Morgan Stanley Smith Barney has been an industry leader in investment manager research, selection and monitoring for over 30 years. The Morgan Stanley Smith Barney Consulting Group analyzes hundreds of investment advisory firms annually and ranks them by a variety of criteria, including riskadjusted performance, style adherence and organizational depth and stability. The DeSoto Holland Wealth Management Group may recommend one or more of these management organizations to assume responsibility for investment decisions in various asset classes and investment categories. Many of our clients adopt both approaches, participating in our Managed Global program and working closely with an outside management organization specializing in a particular segment of the market. Still other clients prefer to make their own investment decisions. Traditional Brokerage You can maintain a traditional brokerage relationship in which we help you make investment decisions with specific recommendations. The DeSoto Holland Wealth Management Group offers a special expertise in fixed income investing, with a deep knowledge of North and South Carolina municipal markets. In fact, the team was chosen by Morgan Stanley Smith Barney to join its FidSelect program that offers access to New York-based taxable fixed income trading, strategy and analytical support. 12 Morgan Stanley Smith Barney

13

14 For Life s Most Important Goals In addition to our investment management expertise, The DeSoto Holland Wealth Management Group offers access to a wide range of wealth management products and services, many of which may not be available anywhere else. These include: 1 Estate Planning and Trusts Our team can help you create a plan that decreases estate tax and ensures your assets will be used as you intend them to be. Through the judicious use of trusts, beneficiary designation and lifetime giving programs, you can increase gifts to charitable organizations, reduce turmoil and family rifts, and provide for heirs who may not have the experience or inclination to manage assets. 2 Retirement Planning Whether you re entering your prime earning years or wondering if you can really afford to retire as planned, we can help you proceed with confidence to the future you envision for yourself. Our comprehensive strategy integrates investing with your pension, 401(k) or other plan to which you may have access at work. If you re self-employed, we ll help you determine whether your current plan is truly suitable for your needs. And when you change jobs, we ll provide you with the advice you need to make the right decision about any retirement plan distribution for which you are eligible. 3 Family Office Services With Morgan Stanley Smith Barney s extensive expertise in this area, the strategy we develop together can address such concerns as: Maintaining family unity across generations by focusing on family mission, governance and family endowments Determining how to support favorite charities in the most beneficial way possible Developing cost-effective liquidity strategies Establishing and managing trusts without assuming responsibility for managing financial and non-financial assets 4 Lending Services With a variety of mortgage products, lines of credit and other lending programs, Morgan Stanley Smith Barney can help you obtain the financing you need to buy, build or remodel a home. With our unique securities lending capabilities, we can help you raise cash and generate cash flow without liquidating securities positions and incurring tax liability. 14 Morgan Stanley Smith Barney

15

16 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. 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. Home Loans are made by Morgan Stanley Credit Corporation or other affiliated lenders, not Morgan Stanley Smith Barney LLC. The loans referenced herein are made by Morgan Stanley Credit Corporation. A Morgan Stanley Smith Barney investment relationship does not have to be established or maintained to obtain the products or services offered as part of the Home Loans program. Proceeds from mortgage loan transactions including initial draws and advances from HELOCs are not permitted to be used to purchase trade or carry securities or to make payments on any amounts owed under the Note or HELOC loan agreement. These products may not be available in all states and are limited to U,S. citizens and permanent resident aliens only. Residential loans are not available in Guam, Puerto Rico and the Virgin Islands. Other restrictions may apply. Morgan Stanley Credit Corp underwriting guidelines will apply. Loans are subject to credit application and loan approval. Rates, terms and programs are subject to change without notice. Investment services are offered through Morgan Stanley Smith Barney LLC, member SIPC Morgan Stanley Smith Barney LLC and its Financial Advisors do not provide tax or legal advice. Clients should consult their personal tax advisor for tax-related matters and their attorney for legal matters. Morgan Stanley Smith Barney LLC, 2000 Westchester Ave., Purchase, NY or its advisors are required to maintain the following mortgage broker licenses:, Arizona Mortgage Broker License No : Licensed by The Department of Corporations under the California Finance Lenders Law (License No. 603H431): Kansas Licensed Mortgage Company No. MC : Massachusetts Mortgage Broker License No. M8 5439: Montana Mortgage Broker License No. 17El9; Licensed by the New Hampshire Banking Department (License No MBR); Licensed by the New Jersey Department of Banking end Insurance (License No ): Registered Mortgage Broker, NYS Banking Department (Registration No. AD07331). Mortgage brokers may not make loans Morgan Stanley Smith Barney LLC. Member SIPC /11