The Paladin Group at Morgan Stanley. Advocates for the People, Causes and Goals You Cherish

Transcription

1 The Paladin Group at Morgan Stanley Advocates for the People, Causes and Goals You Cherish

2 3737 Glenwood Avenue, Ste. 320 Raleigh, NC / TOLL-FREE / MAIN / FAX

3 The Paladin Group at Morgan Stanley The Paladin Group at Morgan Stanley advocates for the needs of successful families and their business interests. With almost a century of collective experience, we understand that your achievements often come with new concerns about minimizing your tax burden, preserving your lifestyle, and properly preparing your heirs. We believe that the complexity of the problems you face requires time, knowledge, and judgment delivered by a team dedicated to wealth management. Our team is purposefully designed to deliver the strengths of each member to our clients. Because the Paladin Group is part of Morgan Stanley, we can also provide the depth and breadth of one of the world s most respected wealth management firms. With a deep-seated dedication to long-term client relationships, our group fully engages our clients in the service of the people, causes, and goals that they cherish. We invite you to explore the following pages to understand the unique way that we can serve you. THE PALADIN GROUP 3

4 Meet the Professionals From Left to Right: Bob Randolph, Susanne Knowles, Randy Hartley, Ginny Whitley and Vann Russell 4 MORGAN STANLEY

5 Randy Hartley, CFP Senior Investment Management Consultant Senior Vice President - Wealth Management Financial Advisor Randy Hartley, Financial Advisor, began his career at Morgan Stanley in He holds the designations of Senior Investment Management Consultant and CERTIFIED FINAN- CIAL PLANNER TM. Within the Paladin Group, Randy takes the lead in issues involving estate planning, qualified retirement plans, and long term care planning. Randy s education includes BA and JD degrees from the University of Virginia s College of Arts and Sciences and its School of Law. Randy has two adult children and resides with his wife in Cary, North Carolina. He attends Edenton Street United Methodist Church and is a member of the Kiwanis Club of Raleigh and the UVA Club of the Triangle. Randy has a keen interest in college sports and jazz music. Bob Randolph Senior Portfolio Manager First Vice President - Wealth Management Financial Advisor Bob Randolph, Financial Advisor, began his career with Morgan Stanley in He holds the designation of Financial Planning Specialist and is a member of the Portfolio Management Institute. Bob has a B.S. in Business Administration from Penn State with post graduate MBA studies at the University of Pittsburgh. Within the Paladin Group, Bob takes the lead in macro-economic research, portfolio construction, and retirement income planning. Bob and his wife have lived in Raleigh, North Carolina since 1984 and have three children. Active in the community, Bob is a Rotarian and a Patron member of the WakeMed Society of He attends St. Francis of Assisi Catholic Church where he currently chairs the Finance Council. Vann Russell Financial Planning Specialist Vice President - Wealth Management Financial Advisor Vann Russell, Financial Advisor, began his career in the financial services industry in 1994 and has been with Morgan Stanley since A Raleigh native, he holds the designation of Financial Planning Specialist. Within the Paladin Group, Vann takes the lead in hedging strategies for concentrated stock positions, college education planning, and investment research. Vann received a BA degree from Hampden-Sydney College. Vann resides in Raleigh, North Carolina with his wife and children. He attends Edenton Street United Methodist Church and is a member of the Hampden-Sydney Alumni Association. He enjoys running, fishing, and playing golf. THE PALADIN GROUP 5

6 Ginny Whitley Portfolio Associate Ginny Whitley, Portfolio Associate, began working with Morgan Stanley in 2000 as a part time employee while attending college and joined the firm full time in Within The Paladin Group, Ginny serves as the team administrative officer, coordinating team activities, service functions, and client appointments. She holds the necessary securities licenses to enter client investment orders and execute portfolio asset allocation changes. Ginny received a BA degree from Meredith College. Ginny resides in Knightdale, North Carolina with her husband and son. She enjoys cooking, gardening and spending time with her family and friends. Susanne Knowles Client Service Associate Susanne Knowles, Client Service Associate, began her career at Morgan Stanley in 1991, working as a Registered Marketing Associate until At that time, she decided to stay home to raise her children and to concentrate on volunteer efforts. In late 2012, Susanne returned to Morgan Stanley to assist the Paladin Group with overall client service and operational logistics. Her primary responsibilities include the transfer of assets, administration of client requests, and retirement plan operations. Susanne received a BA degree from Hollins College in Roanoke, VA. Susanne resides in Raleigh, North Carolina with her husband and has two college-aged children. She s a NY Marathon veteran and enjoys running, family and friends.

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8 The Way We Do Business Investors understand how difficult it is to move from financial daydreaming to practical planning with realistic goals. The fear of missing something important in planning for these goals is a real concern. The vast array of investment choices and the contradictory investment opinions offered every day by television gurus can be confusing. Most people are too busy living their lives to stay abreast of their investments on a daily basis. They want to be able to reach their advisors when they need help. Our clients come to us because we are driven by the following core values: WE ARE COMPETENT We have the wisdom and skill to develop long-term investment strategies that help clients use their money to realize their goals. One of our particular strengths is the ability to answer questions clearly and without using jargon. WE ARE COMPREHENSIVE We seek to gain the broadest understanding of our clients financial needs. We can call upon trusted outside professional resources in the community to help assess the important areas of financial planning not directly related to investments. We will make referrals, when appropriate, to competent, professional advisors in other disciplines. Part of our service is helping our clients make sure that they have addressed all of the issues in their lives that could affect their investment plans. WE ARE PROACTIVE We speak with our clients about general market conditions and the performance of their investments on a regular schedule. Our clients know that they do not have to wonder about how their investments are performing or whether they should make changes because we keep them informed. WE ARE RELIABLE Our clients can depend on us to make and keep commitments to accomplish tasks within an agreed upon time. We will regularly review and assess their investment portfolios and communicate the results. WE ARE RESPONSIVE Our clients can count on us to be available to them when they want to talk. We believe that important communication with our clients should be by phone or in person. Our staff knows how to reach us when we are not in the office. WE ARE CARING AND CONDUCT OUR- SELVES WITH INTEGRITY Our clients trust us to do what is right. We believe that mutually rewarding long-term relationships result from our genuine concern for what is best for our clients. 8 MORGAN STANLEY

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10 Investment Process Successful investment planning requires a disciplined process to understand three things that are important to our clients: what they want to accomplish with their means and to whom they want to leave it, what potential roadblocks stand in their way, and what investment results they must realize to help them achieve their goals. Our process addresses these issues in four distinct phases. PHASE I: DISCOVERY The purpose of discovery is to learn what our clients want their money to do for them, their families, and what legacy they wish to leave. We do this by meeting with them in person and entering into an engaged discussion of their priorities and concerns. PHASE II: PLANNING & STRATEGY Using our wealth advisory framework, we develop practical solutions to help our clients achieve their long term objectives. This typically involves the creation of a carefully designed strategy to address issues such as sustaining lifestyle, managing assets and liabilities, and transferring wealth to family and cherished causes. We make sure that our clients clearly understand what we recommend and how it is designed to help them achieve their goals. PHASE III: IMPLEMENTATION When our clients are comfortable with an action plan, we begin the process of implementation. We identify appropriate investments to help them achieve the necessary after-tax, inflation adjusted returns. Where appropriate we direct them to outside professional resources, such as attorneys or CPA s needed to address the other issues that may affect our planning and investment strategies. PHASE IV: MONITORING & REPORTING Once the strategies have been implemented, it is our responsibility to monitor every aspect of the wealth advisory framework and to report on the results periodically throughout the year, recommending changes as warranted. 10 MORGAN STANLEY

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12 Your Life and Your Legacy Whatever your goals income, borrowing, risk management, charitable giving, just to name a few designing a holistic wealth management plan is our top priority. Drawing on our own insight, as well as Morgan Stanley s global research and experienced financial specialists, we are able to make informed recommendations and propose a flexible plan that is uniquely yours. RETIREMENT PLANNING Lifestyle review Risk review Pension and/or social security benefits analysis Retirement account assessment Retirement income plan Beneficiary review Health care/medicare planning 12 MORGAN STANLEY

13 Comprehensive Wealth Management Services INVESTMENT SERVICES AND PERSONAL INVESTING BUSINESS SUCCESSION PLANNING Asset allocation advice Investment advisory programs Capital markets services Traditional brokerage EXECUTIVE COMPENSATION MANAGEMENT Business needs review Cash management and capital needs assessment Business valuation Succession plan documents Succession plan funding ESTATE PLANNING FAMILY NEEDS PLANNING Financial planning Education planning Special needs child assessment and planning Planning for support of aging parents Concentrated stock services (monetizing, hedging) Rule 10b5-1 trading plans Stock option strategies Restricted securities (liquidation and risk management alternatives) Assist in estate and financial planning (particular to executive compensation management)* ACCESS TO BANKING AND LENDING SERVICES Review of wills, durable power of attorney (POA) for health care/poa living will and trusts Gifting Charitable giving Asset titling Estate tax funding Family dynamics/family meeting *Team will help assist with both in-house and outside advisors. CRC# /2013

14 How to Get Started Schedule a discovery meeting Work with us to gather your financial and vital records - Last tax return - Current bank and brokerage statements - Annuity statements - Retirement plans and other employee benefits including options and restricted stock grants - Insurance Information: life, health, disability, long term care and property/casualty - Summary of expected annual living expenses - List of current liabilities - Real estate holdings personal and investment related - Private business interests - Wills, trusts, and related documents 14 MORGAN STANLEY

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16 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 visit us at or consult with your Financial Advisor to understand these differences. Life insurance, disability income insurance, and long-term care insurance are offered through Morgan Stanley Smith Barney LLC's licensed insurance agency affiliates. Trust and other fiduciary services are provided by third parties, including Morgan Stanley Private Bank National Association, a wholly-owned subsidiary of Morgan Stanley. Certified Financial Planner Board of Standards Inc. owns the certification marks CFP, CERTIFIED FINANCIAL 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. 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. Morgan Stanley Smith Barney LLC is a registered brokerdealer, not a bank. Where appropriate, Morgan Stanley Smith Barney LLC 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. Member SIPC /2013 CRC