The Fernandez, Hipple and Feranec Group at Morgan Stanley

Transcription

1 The Fernandez, Hipple and Feranec Group at Morgan Stanley

2 2330 West Joppa Road Suite 255, Lutherville, MD / MAIN / FAX fernandezhippleferanecgroup carlos.fernandez@morganstanley.com thomas.hipple@morganstanley.com michael.feranec@morganstanley.com

3 What is important to you? What do you want to accomplish? Where do you want to be in 5 years, 10 years, 20 years? Your answers to these questions are unique no two people see things exactly the same way. That s why The Fernandez, Hipple and Feranec Group at Morgan Stanley hold these core beliefs as we serve our clients: Getting to know our clients is crucial Financial plans are always personalized Success takes time; relationships must be built to last Passion about our work is central to your success Most of our clients are successful individuals who are looking to protect and grow their wealth. Accordingly, while we adjust to the specific interests of each client, we advocate an investment strategy of clarity, discipline and accountability. We strive to minimize risk while pursing both tactical and strategic investments. THE FERNANDEZ, HIPPLE AND FERANEC GROUP 3

4 Meet the Professionals Left to Right: Michael Feranec, Lori Ralston, Carlos Fernandez, Kelly Alcala, Thomas Hipple 4 MORGAN STANLEY

5 Carlos Fernandez Senior Vice President Senior Investment Management Consultant Wealth Advisor Carlos F. Fernandez is a licensed investment professional who has been assisting his clients as a Wealth Advisor for more than 25 years all at Morgan Stanley. Carlos manages personalized investment strategies for his clients. He listens to his clients to understand individual needs and goals, develops solid long last client relationships and treats each investment as his own. Carlos is a member of Morgan Stanley s exclusive President s Club or Master s Club from 1999 to present, he has been named to The Financial Times 2015 list of America s Top 400 Financial Advisors and is a recipient of Baltimore Magazine s 2013, 2014 and 2015 Five Star Wealth Manager Award. Carlos earned a Bachelor of Science in Business from Bucknell University and is a graduate of St. Paul s School in Brooklandville, MD. He and his wife Stacey have four children: Nevi, Niqui, Lexi and Carlos. He coaches youth soccer, basketball and baseball and has led teams to several championships. He also enjoys jogging, cycling and playing basketball he organizes an annual 3-on-3 charity tournament. THE FERNANDEZ, HIPPLE AND FERANEC GROUP 5

6 Thomas E. Hipple, CIMA First Vice President Senior Investment Management Consultant Wealth Advisor Thomas E. Hipple is a licensed investment professional with more than 30 years of experience as a Wealth Advisor, mostly focused on professional money management. As a Certified Investment Management Analyst (CIMA), Tom concentrates on asset allocation, due diligence, risk measurement, investment policy and performance measurement for clients. Tom is a recipient of Baltimore Magazine s 2013, 2014 and 2015 Five Star Wealth Manager Award. Tom is a graduate of Kalamazoo College in Michigan where he received a Bachelor of Arts degree in English. He then earned an MBA in Finance from The Wharton School of Business at the University of Pennsylvania. Tom enjoys art; he studied Spanish Renaissance Art at the Prado in Madrid, which houses a renowned collection of his favorite artist, El Greco. He and his wife of 38 years, Dorothy, enjoy hiking and traveling. 6 MORGAN STANLEY

7 Michael R. Feranec, CFP, CRPC, CMFC CERTIFIED FINANCIAL PLANNER Chartered Retirement Planning Counselor Chartered Mutual Fund Counselor Financial Planning Specialist Financial Advisor Michael R. Feranec is a licensed investment professional with over 12 years of investment experience. As part of the comprehensive wealth management approach that the group uses, Mike focuses on working with clients to develop tailored financial plans, determine appropriate investment asset allocations and create fixed income strategies. He has also earned the designations of CERTIFIED FINANCIAL PLANNER (CFP ), Chartered Retirement Planning Counselor (CRPC ), Chartered Mutual Fund Counselor (CMFC ) and Financial Planning Specialist. Mike is a recipient of Baltimore Magazine s 2014 and 2015 Five Star Wealth Manager Award. Mike graduated from Towson University with a Bachelor of Arts degree in Business Administration. He and his wife, Amy, have three sons, Michael, Brady and Landon. Mike enjoys spending time with his family, fishing, and visiting local vineyards. THE FERNANDEZ, HIPPLE AND FERANEC GROUP 7

8 Kelly D. Alcala Portfolio Associate Lori A. Ralston Senior Registered Associate Kelly D. Alcala is a licensed professional with more than 17 years of investment experience, joining the team in In this role, she provides client service and administrative support for the group s clients, working closely with the back office departments to facilitate client service, trade transactions, account maintenance and marketing. Kelly previously worked at Legg Mason for eight years. Kelly graduated from Roanoke College in Virginia with a Bachelor degree in Business Administration with a concentration in Finance. She resides in Lutherville, Maryland with her husband Tony, and two children, Tony Jr., and Abby. She enjoys spending time with her family and friends and vacationing in Ocean City each summer. Lori A. Ralston is a licensed professional with more than 28 years of investment experience and joined Morgan Stanley Smith Barney in She has an allaround understanding of client goals and industry standards to help facilitate the client s growth in their relationship with the team. Lori graduated from Villa Julie College with a Bachelor of Science degree in Interdisciplinary Studies with a concentration in Political Science. She resides in Carroll County and is passionate about volunteering to help animals and find them homes. She enjoys spending time with her husband Michael, and their dog, Ophelia, at their home. 8 MORGAN STANLEY

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11 There are many areas that we can assist when developing your Wealth Management Plan: Retirement Planning Income Planning Social Security Analysis Investment Planning Asset Allocation Tax Efficient Investing Insurance Planning Life Insurance Analysis Long Term Care Analysis Education Planning K-12 College Corporate Retirement Planning 401(k)/Profit Sharing and Defined Benefit Plans Non-Qualified Deferred Compensation Plans Corporate Cash Management Planning Lines of Credit Growth Capital Personal Lending Access to lending services Estate Planning Strategies Asset Protection Special Needs Planning

12 Our Consultative Process Charting a prudent course to financial independence requires a well-conceived, personalized plan with defined long-term goals that includes: Discovery Meeting We begin by exploring many questions to capture what matters most to you and what you want to accomplish with your wealth. Investment Planning Meeting Based on our discussion, we will analyze your personal and financial information and present you with a personalized plan that addresses your investment needs and other areas beyond investment management. Mutual Commitment Meeting We decide together whether the strategy we have presented makes sense for you. If it does, we proceed and your finalized strategy document becomes our blueprint for coordinated action. Reviewing Objectives We believe that ongoing communication is a vital component of our relationships, and if necessary, we will suggest adjustments to your strategy to address changes in your circumstances or objectives. 12 MORGAN STANLEY

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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 help put you on a path to the retirement you envision. 14 MORGAN STANLEY

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16 Source: The Financial Times Top 400 Financial Advisors is an independent listing produced by the Financial Times (March, 2015). The FT 400 is based in large part on data gathered from and verified by broker-dealer home offices, and, as identified by the FT, reflected each advisor s performance in six primary areas, including assets under management, asset growth, compliance record, experience, credentials and accessibility. 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 LLC nor its Financial Advisors or Private Wealth Advisors pays a fee to The Financial Times in exchange for the rating. Five Star Professional, as a third party research firm, identified pre-qualified 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. The investments and services 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. Morgan Stanley Smith Barney LLC offers insurance products in conjunction with its licensed insurance agency affiliates. Since life insurance and long term care insurance are medically underwritten, you should not cancel your current policy until your new policy is in force. A change to your current policy may incur charges, fees and costs. A new policy will require a medical exam. Surrender charges may be imposed and the period of time for which the surrender charges apply may increase with a new policy. You should consult with your own tax advisors regarding your potential tax liability on surrenders. Morgan Stanley Smith Barney LLC ( Morgan Stanley ) is a registered Broker/Dealer, member SIPC, not a bank. Where appropriate, Morgan Stanley has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services. Unless specifically disclosed 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, a bank and involve investment risks, including possible loss of principal amount invested. Investments and services offered through Morgan Stanley Smith Barney LLC. Member SIPC Morgan Stanley Smith Barney LLC. Member SIPC. CS /15