The Harbor Financial Group at Morgan Stanley. Boca Raton, Florida

Transcription

1 The Harbor Financial Group at Morgan Stanley Boca Raton, Florida

2 595 So Federal Highway Suite 400, Boca Raton, FL / MAIN / TOLL-FREE / FAX harborfinancialgroup@morganstanley.com

3 The Harbor Financial Group at Morgan Stanley As your portfolio has grown, so too has its complexity and the resources needed to manage it. As Financial Advisors, we have the knowledge, experience and commitment necessary to manage your investments on an ongoing, fully discretionary basis, providing you with objective advice on critical financial matters. Working closely with you, we will develop an investment strategy focused clearly on your objectives one that reflects your lifestyle expectations, cash flow needs, risk tolerance and aspirations for your family. From there, we will help you build a portfolio informed by the resources and insight available from Morgan Stanley, one of the world s largest financial firms. When you look at wealth management from a long-term perspective, one thing becomes clear: it s your future, not just your money. And over time, we can help you navigate the noise and distractions of challenging markets, providing a disciplined sense of focus on what s most important your progress toward your goals. THE HARBOR FINANCIAL GROUP 3

4 Meet the Professionals 4 MORGAN STANLEY

5 Eric L. Applewhite III, CFP Portfolio Management Director Senior Vice President Financial Advisor Howard Guggenheim Portfolio Management Director Senior Vice President Financial Planning Specialist Alan J. Levinsohn Senior Portfolio Management Director Senior Vice President Financial Advisor Eric L. Applewhite III is a Portfolio Management Director with Morgan Stanley. He joined the firm twenty-five years ago and has over thirty years of experience in the financial services industry. He earned a B.S. in Finance from Florida State University. He is a Certified Financial Planner, a member of the Institute of Certified Financial Planners, an affiliate of the Market Technicians Association, and a member of the Portfolio Management Institute. He leads a nine member team which, as of October 2015, has over $420 million in PM managed assets, and has many joint production arrangements with advisors throughout the firm. Eric resides in Boca Raton with his wife, Laurie, and their four children. Howard Guggenheim serves as Senior Vice President, Financial Advisor and Financial Planning Specialist at Morgan Stanley. He joined the firm in 1978 as an Assistant Branch Manager in Cleveland. Later, he relocated to Boca Raton, Florida to manage a new and expanding branch. Howard served as chairman of the FSDA, NASD-7th District, SIA Southern District, and the the FAU Foundation. In Cleveland, he chaired the Bankers and Brokers Division of the United Jewish Appeal, and was a board member of the Menorah Park Jewish Home for the Aged. Howard resides in Boca Raton and enjoys visiting family in Cleveland. Alan Levinsohn is a Senior Vice President and Financial Advisor at Morgan Stanley and a Senior Portfolio Management Director within the firm s Portfolio Management Program. He has over 45 years of financial services industry experience. He received his Bachelor s degree in Economics from Colgate University, and earned his MBA at Adelphi University. Alan is a former U.S. Navy Lieutenant, and he is an avid golfer. He is married to Nancy and has 12 grandchildren. THE HARBOR FINANCIAL GROUP 5

6 Julie Clairmont-Shide, CFP Portfolio Management Director Senior Vice President Wealth Advisor Ronald J. Russo Financial Planning Specialist Vice President Financial Advisor Ben Troxell Financial Planning Specialist First Vice President Financial Advisor Julie Clairmont-Shide has more than 30 years of experience in the financial services industry. She is a Certified Financial Planner and is a Senior Vice President and Wealth Advisor at Morgan Stanley. As well, she is a Portfolio Management Director within the firm s Portfolio Management Program. She has her MBA and has extensive experience and specialized training in the areas of financial and estate planning strategies. Julie serves as a Trustee at the Boca Raton Museum of Art. She is married to Chuck and they have 3 children. Ronald J. Russo is a Vice President and Financial Planning Specialist with Morgan Stanley. Ron s career spans thirty three years, beginning in Several years into his career he received his principal license and subsequently served as a branch office manager for several firms. He joined the firm in 1991, and continues to leverage the firm s resources. Ron and his wife Jeannette, along with their four children and ten grandchildren have resided in Boca Raton, South Florida for approximately thirty years. Benjamin F. Troxell III is a First Vice President and Financial Planning Specialist whose career with Morgan Stanley began in October of 1978 in Boca Raton, Florida. After graduating from Princeton in 1962, Ben s career began with Prudential Insurance Company. He has served on several boards of directors for charities both local and national, as well as home owners associations. He is a graduate of Deerfield Beach Leadership sponsored by the Chamber of Commerce, and is active in several ministries in his local parish. Ben resides in Deerfield Beach with his wife, Kathy. His son and daughter hold Doctorate degrees and teach at St. Louis University and Boston College respectively. 6 MORGAN STANLEY

7 William C. French Vice President Financial Advisor Bill French is a Vice President at Morgan Stanley, and has been with the firm for 53 years. After serving as a branch manager for ten years, Bill decided to return to his role as a Financial Advisor. He is the former director of the Security Industry Association- Southern District, the former Chairman of the Florida Securities Dealers Association, a member Emeritus of the Economic Roundtable of Boca Raton, and has served his community through the YMCA and FAU Foundation. He graduated with a B.A. from Amherst College, and went on to receive his MBA from New York University. Bill spends his leisure hours in Boca Raton and weekends in the Florida Keys with his family, friends, and two golden retrievers. Elton S. Stevens Senior Portfolio Manager Vice President Financial Advisor Elton S. Stevens is a Vice President and Senior Portfolio Manager with Morgan Stanley. He has been with the firm and its predecessors since 1992 and has over fifty years of experience in the financial industry. Elton resides in Boca Raton with his wife Trudi. He grew up in Chicago and earned a B.S. degree from the University of Illinois. He has lived in Florida since Ross O'Connor Financial Advisor Ross O'Connor is a financial advisor who joined Morgan Stanley in Ross graduated from Sewanee: The University of the South, and has been an active member in numerous volunteer organizations for which he was given the Presidential Service Award in Originally from Richmond, Virginia, Ross now resides in Boca Raton, Florida. THE HARBOR FINANCIAL GROUP 7

8 Discretionary Portfolio Management As your Portfolio Manager, we can offer you: - Direct access to the investment professionals managing your portfolio - Personalized service - A disciplined, multipart investment process - Ongoing client communications and reporting - Access to the intellectual capital and global resources of Morgan Stanley - Firm-qualified portfolio managers - Experienced professional staff - Disciplined investment process - Flexible investment strategies that can be customized to fit your needs - Comprehensive performance reporting - Ongoing client communications - Asset-based fee* All portfolios are managed individually on a fully discretionary basis by Financial Advisors at Morgan Stanley who have been qualified by the firm to independently manage client assets based on training, experience and commitment to service. This service was established in 1979 to provide individual investors with a level of personalized portfolio management typically reserved for major institutional investors. Tactical Growth Tactical Growth is a disciplined, quantitative investment strategy. It is designed to participate in up markets and protect in down markets. The investment universe consists of ETF s that comprise the 6 general investment categories: domestic equity, international equity, fixed income, commodity, currency and cash equivalents. A relative strength overlay is employed to determine the two strongest investment categories to focus investment positions on. It is designed for clients with a long-term investment time horizon who want less volatility and less downside risk. Tactical Income Tactical Income is a dynamic, income oriented strategy which incorporates both quantitative and fundamental investment methodologies. The strategy uses exchange traded funds, closed end funds, stocks and bonds with above average cash flow as a primary objective and long term appreciation as a secondary objective. All potential candidates for this portfolio are first screened on a fundamental basis, then on a technical basis and finally measured by peer relative strength. It is designed for investors with long-term time horizons who want cash flow and moderate growth. Dividend Growth Dividend Growth is a fundamental investment strategy for long term appreciation. The discipline screens domestic companies that demonstrate good earnings momentum, positive history of increasing cash dividends and competitive advantage to their business model. The portfolio is then analyzed for peer relative strength and each position is equally weighted. Focus Growth A long-term growth strategy focused on capital appreciation. The portfolio adheres to a flexible investment mandate that allows tactical allocation shifts between stocks and cash. The discipline screens companies with superior earnings momentum and share price appreciation and follows rules for both buying and selling. 8 MORGAN STANLEY

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10 Managing Risk The up and down nature of the markets is just one kind of risk but so is not protecting my assets and my family. How do I protect what Planning for Retirement When I retire, it will affect just about everything that matters: my lifestyle, my company and my family. Is there a way to plan for retirement that takes it all into account? Planning for the Long Term Decisions about both assets and liabilities need to be made in the framework of important life goals. What steps are also the most tax efficient? How can a strategic approach to cash management and lending simplify my financial life and maximize the value of what I own? Saving for College Will I be able to pay for a good education for my children and my grandchildren? Business Strategies How do I manage my personal wealth with so much tied up in my company? Investing I have so many goals and priorities. How can one investment strategy balance them all? Liquidity Solutions I can predict some expenses, but others I know I can t. How can I plan to have the cash I need? Innovative Solutions to the Full Range of Wealth Management Needs Leaving a Legacy to the Next Generation Making sure my estate goes to the people and organizations I care about is a priority. How do I transform my assets into a legacy? Charitable Giving The charities I support are like extended family. How do I maximize the good I can accomplish?

11 PERFORMANCE THAT STRIVESto MEET YOUR MEASURE WHO CAN DEVISE STRATEGIES THAT ARE DESIGNED TO MEET THE GOALS THAT ARE MOST IMPORTANT TO YOU? YOUR PERSONAL FINANCIAL ADVISOR. Among the most important skills of Financial Advisors is the ability to listen: to thoroughly understand your financial needs and then align the resources to helpmeetthem.yourfinancialadvisor can help you evaluate immediate concerns and plan for long-term goals, be a sounding board for your investment ideas, assist you in developing and executing a strategy that is precisely your own and potentially help deliver the results that meet your needs. Your Financial Advisor helps to select the firm s best thinking and to align our many capabilities to meet your wealth planning goals. From investments to credit to cash management to trusts, your Financial Advisor has access to the areas of the firm that canhelpmeetuniqueneedsonbothsides of your balance sheet. Our Reserved program provides Morgan Stanley s most valued Wealth Management clients and their families with exclusive access to luxury offers, premier benefits and high-quality service 1. THE VALUE OF A LEARNING CULTURE. Morgan Stanley makes a sizable investment in the training and professional development of each Financial Advisor, with many earning professional certifications and designations. Our continuing education programs are designed to equip Financial Advisors with new skills and perspectives. We want every client to reap the benefits of the culture of excellence of our firm. Our Financial Advisors represent an extensive knowledge base built on diverse skills, experience and professional interests. Our Financial Advisors share best practices including: asset allocation approaches, highly focused strategies and specific investment ideas to address unusual or particularly sophisticated client needs. Away from the office, many of our Financial Advisors volunteer their time and leadership skills to thousands of local organizations. They are at the forefront of the firm s commitment to givebackgenerouslytothecommunities where our clients live and work. SPECIAL RESOURCES FOR FAMILIES WITH EXCEPTIONAL REQUIREMENTS. Successful families with substantial assets typically have complex needs and require highly integrated capabilities. Morgan Stanley s Wealth Planning Centers and Family Wealth Advisory Services focus on the intricacies of multigenerational wealth transfer, family ownership structures, philanthropy management, complex tax reporting, succession planning and family governance. Our clients work with professionals who have extensive experience addressing both the financial issues andpersonaldynamicsofamerica s wealthiest families. 1 Please read important disclosures on the back cover of this brochure CRC CS /14

12 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. Moreover, we will support you and your strategy with the resources and perspective of one of the world s largest financial firms. 1 We will work to articulate your aims for your wealth, examining your current and future income sources and cash flow needs, and then consider factors like tolerance for risk, tax concerns, liquidity needs and time horizon. 12 MORGAN STANLEY

13 Discover Analyze 2 We will propose a financial plan and asset allocation designed to help meet your goals. Our advice may encompass issues such as retirement planning, business continuation, tax minimization and wealth transfer Review Implement 3 We 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, we will work with you to revise your strategy and reposition your assets to reflect your new needs and goals.

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 This material is intended only for clients and prospective clients of the Portfolio Management program. It has been prepared solely for informational purposes only and is not an offer to buy or sell or a solicitation of any offer to buy or sell any security or other financial instrument, or to participate in any trading strategy. The individuals mentioned as the Portfolio Management Team are Financial Advisors with Morgan Stanley participating in the Morgan Stanley Portfolio Management program. The Portfolio Management program is an investment advisory program in which the client s Financial Advisor invests the client s assets on a discretionary basis in a range of securities. The Portfolio Management program is described in the applicable Morgan Stanley ADV Part 2, available at or from your Financial Advisor. Past performance of any security is not a guarantee of future performance. There is no guarantee that this investment strategy will work under all market conditions. Morgan Stanley Smith Barney LLC ( Morgan Stanley ), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. 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. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it. The strategies and or investments discussed in this material may not be suitable for all investors. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments and strategies, and encourages investors to seek the advice of a Financial Advisor.The appropriateness of a particular investment or strategy will depend on an investors individual circumstances and objectives Morgan Stanley Smith Barney LLC. Member SIPC /2016 CRC