The Spectrum Group at Morgan Stanley

Transcription

1 The Spectrum Group at Morgan Stanley

2 20807 Biscayne Blvd 6th Floor, Aventura, FL / MAIN / TOLL-FREE / FAX

3 The Spectrum Group at Morgan Stanley Wealth Management Through Prudent Planning As the financial world becomes increasingly complex, sound financial planning is no longer a luxury. It has become a virtual necessity. The Spectrum Group is a seasoned team of financial professionals who have served the diverse needs of high net worth investors, foundations, and corporations for many years. We have the resources and experience to craft a comprehensive plan for you and manage it prudently over time. The Spectrum Group takes a holistic approach to planning. Before we make any recommendations, we will work closely with you addressing a broad spectrum of issues, such as your current family situation, career aspirations, education costs, retirement goals, and estate planning. What we learn becomes the foundation for a sound strategy based on your unique profile and goals. From there, we will discuss such issues as your risk tolerance, asset allocation and the most suitable investments for you. But that is just the beginning. Over time, we ll meet with you regularly to modify your plan to reflect changes in your life. At the Spectrum Group, our goal is to create a comprehensive plan that you can follow confidently, regardless of the ever-changing economic landscape. THE SPECTRUM GROUP 3

4 Meet the Professionals Seated (left to right): Joseph Fezza, Howard Lerner, Kate DeSoto, Jonathan Sackson. Standing (left to right): Natasha Lark, Stephanie Hammer, Karen Pupo. 4 MORGAN STANLEY

5 Howard M. Lerner Senior Portfolio Manager Senior Vice President - Wealth Management Wealth Advisor Howard Lerner is a Senior Vice President and Wealth Advisor at Morgan Stanley. He holds the Family Wealth Advisor designation with the Company. He began his career at Merrill Lynch in 1987 on the Middle Markets Fixed Income Desk in New York. In 1993 Howard moved to Florida to pursue a career as a Financial Advisor. In 1994, he joined Dean Witter, now Morgan Stanley Wealth Management, where he has served in a variety of roles, including ten years in management. Howard sits on the Boards of Joe DiMaggio Children s Hospital and Equine- Assisted Therapies of South Florida. He is also active in the Arts through his relationship with The Broward Center for the Performing Arts. Kate R. DeSoto, CFP Financial Advisor Kate DeSoto, CFP serves as a Financial Advisor at Morgan Stanley as well as a valued member of The Spectrum Group at Morgan Stanley. She entered the financial services industry in 2007 as a Registered Marketing Associate at UBS Financial Services in Charlotte, NC. Her focus during that period was on municipal and taxable fixed income markets where she was responsible for generating financial plans and conducting client reviews.originally from Columbus, Indiana, she is a graduate of Indiana University, with a BS in Psychology and a BA in Criminal Justice. Kate and her husband Starkey moved to South Florida in January 2012, where she joined The Spectrum Group in September of An avid runner and a seasoned traveler, she regularly runs in major racing events. Joseph A. Fezza, CFP Portfolio Management Director Senior Vice President - Wealth Management Wealth Advisor Joseph Fezza was recognized as a Top Wealth Advisor by South Florida Business Journal in 2007 and 2008 and one of the Top 1000 Advisor by Barron s in 2009 and He has been a Member of Morgan Stanley s President s Club and Chairman s Club since He completed his Certified Financial Planner designation in 1991 and Morgan Stanley Wharton Graduate School Senior Advisor Program in Having been with Morgan Stanley, since December of 1984, he has witnessed and experienced scores of market conditions that have influenced the performance of his clients portfolios. His first priority is to help you achieve your financial goals. THE SPECTRUM GROUP 5

6 Jonathan D. Sackson, CIMA Senior Portfolio Manager Senior Vice President - Wealth Management Financial Advisor Jonathan Sackson has been in the financial advisory business since Jonathan obtained his MBA from the Wharton School of Business, University of Pennsylvania 1982, and his BA, Liberal Arts, from St. Johns College, Annapolis, MD He returned to Wharton to complete his Certified Investment Management Analyst work in The CIMA designation focuses on asset allocation, manager search and selection, investment policy and performance measurement. Currently, he serves on the Investment Advisory Committee for Miami Dade College (MDC), the body that oversees MDC s substantial College & Foundation Endowments. Jonathan and his wife, Mary Beth, make their home in Ashville, NC. Stephanie Hammer Senior Client Service Associate Stephanie Hammer joined Morgan Stanley, formerly Dean Witter in September She started her career in 1985 in the financial sector in New York City. She has worked in different roles within the company, including Operations Manager for 10 years. Stephanie brings to our team a wide-range of knowledge in the operational area as a Senior Client Service Associate. Her outstanding skills, communication, and attention to detail allow us to provide exceptional service to our clients. Stephanie is a mother to four beautiful children and an exceptionally young grandmother to four. She loves to read, travel, and cook for her growing family. Natasha Lark Senior Registered Associate Natasha Lark began her career in the financial services industry in 2008 after graduating from University of Wisconsin, with BAS in Interdisciplinary Studies with emphasis on Political Science and Economics. She holds FINRA Series 6, 7, 63, 66, 24 and 53 securities licenses, as well as Florida Life Health and Variable Annuity licenses. Prior to moving to Florida and joining Morgan Stanley in March of 2014, Natasha has served in a variety of roles, including four years in compliance and management at MassMutual and U.S. Bancorp in Madison, WI. Originally from Minsk, Belarus, Natasha speaks three languages and studied to be a lawyer in her home country. Natasha is committed to bringing integrity and compassion to the work she is doing to help our clients achieve their financial goals. 6 MORGAN STANLEY

7 Karen Pupo Client Service Associate Karen Pupo has joined the Spectrum Group at Morgan Stanley in November She graduated from the University of Florida with a B.S. in Communications & Leadership Development. Previously Karen worked for the Florida Department of Agriculture as a Health Inspector. She was responsible for the regulation of the commercial food supply while ensuring compliance with state and federal regulations to minimize the risk of food borne illness. Karen brings a unique marketing background to The Spectrum Group. She has created several lucrative marketing campaigns including a private doctor s office and a non-profit museum located in Gainesville, Fl. Karen enjoys traveling, hot yoga, and spending time on social media. She is extremely customer service oriented and loves engaging in conversations with clients.

8 For Life's Most Important Goals With experienced professionals and the right resources, reaching your most important goals can be less challenging and more rewarding. We are ready to help you meet your goals, by combining our insights into your needs with the resources of Morgan Stanley. Setting a confident course Thorough, thoughtful planning planning that analyzes where you are as well as where you want to go is the most important step in establishing a path to your goals. We will work with you to explore and define your objectives and needs, and then structure a plan that is uniquely your own. Balance sheet analysis Retirement planning Education planning Estate planning strategies Multigenerational planning Insurance Strategic consulting and transactions Managing the rewards of success Managing an investment portfolio should be a consultative, disciplined process that balances your attitudes and goals as an investor with careful analysis of the financial markets and the risks and opportunities they hold for you. You can rely on us for objective strategic advice in structuring your portfolio and for careful analysis of any investments we consider together. Asset allocation Investment management Traditional investments Alternative investments Structured investments Separately managed accounts

9 Shaping your retirement Together, we can work to make decisions that could help you move toward the retirement you expect. Whether you are building retirement wealth or making the transition to generating income from your assets, we can help you develop and implement a strategy based on your vision of retirement. IRAs: - Traditional - Roth IRA rollovers Roth conversions Building a unique legacy Estate planning strategies typically brings together the dimensions of life: personal, family, financial and charitable. We will work with you to understand the connections between your life and legacy goals, and work with your accountant and attorney to help you develop a strategy to position your portfolio appropriately. Educating new generations Helping to meet the education costs of children and grandchildren may be one of the most attractive and personally fulfilling investment opportunities available to you. We can help you access appropriate investment vehicles 529 plans and custodial accounts. Giving back through philanthropy Many successful individuals seek opportunities to support cultural and educational institutions, and nonprofit organizations and activities. Properly undertaken, charitable giving can provide planning flexibility and benefits for you. We can help you analyze and implement a strategy that rewards you while it benefits causes you care about. Charitable lead and remainder trusts Family foundations Donor advised funds Helping strengthen your business The links between business ownership and personal wealth are many and complex. Whether your objective is to grow your business, realize its value through a succession strategy or sale, or maintain family ownership by the next generation, we can examine your alternatives in light of both business and personal objectives. And, should circumstance require it, we can use the access to banking and lending services of Morgan Stanley. Credit facilities Cash management Retirement plans Strategic consulting and transactions Succession planning Helping protect your wealth Insurance can play a critical role in virtually any comprehensive financial strategy, helping you to protect the value of your assets, protect your income and your family s financial security even perform important functions in a business succession or estate plan. We can help you analyze your current insurance portfolio and work to update your coverages to fulfill personal and strategic goals. Life and disability income insurance Life insurance trusts Key-person insurance Helping meet current liquidity and banking needs Managing personal cash and securing liquidity for personal needs and opportunities are the day-to-day aspects of implementing a financial strategy. We can help you meet your personal cash management and borrowing needs while thinking strategically about how approaches may affect current and longterm costs and taxes. Home finance THE SPECTRUM GROUP 9

10 For more information about The Spectrum Group and how we can be a valuable resource in securing your financial future, please call us at Whatever your goals, we at The Spectrum Group will show you how we can create a comprehensive, long-term financial plan that you can feel confident in for many years to come. We are deeply committed to addressing the full spectrum of your financial needs to build a sound plan that s right for you. -The Spectrum Group 10 MORGAN STANLEY

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12 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