The Fisher Group at Morgan Stanley. Our Family Helping Yours

Transcription

1 The Fisher Group at Morgan Stanley Our Family Helping Yours

2 Left to right: Andrea D. Scott, John F. Fisher, John Curtis Fisher, Leslie V. Castrejon 5 Concourse Parkway Suite 2000, Atlanta, GA / MAIN / TOLL-FREE / FAX 2 MORGAN STANLEY

3 Welcome As a family-run wealth management business for more than 30 years, our mission has always been to help families efficiently manage wealth for present and future generations. Our Approach We know the time and energy our clients put into building their families and their wealth. Many of our clients are affluent families and business owners who have been with us for up to three generations. They remain with us because our approach to wealth management focuses on integrity, strategic planning and excellent service. Depth of Client Service Our clients know a team member will be in the office to answer any question they may have large or small or return their call ASAP. Some of our client service associates have been with us for more than 12 years. They leverage considerable experience in providing tailored solutions and highlevel administrative support. Honesty and Trust Earned by Clear and Direct Communication Over the decades, we ve developed warm, longstanding client relationships because of the honesty we deliver and the trust that develops as a result of our commitment to being open and forthright. We take great pride in doing the right thing. It s at the heart of what we do. World-Class Capabilities Entrepreneurs and adult children of our clients now turn to us because we combine this timetested approach with Morgan Stanley s awardwinning technology and world-class resources. In today s uncertain times, our newest clients are learning what our oldest clients have long known: experience, planning and resources can be a powerful combination. THE FISHER GROUP 3

4 Some of Our Capabilities Include: Wealth Management Financial Planning Estate and Retirement Planning Insurance Long-Term Care Solutions Planning for Education Funding Access to Banking and Lending Services Cash and Liability Management Philanthropic Services Investment Planning Personal Trust Services 4 MORGAN STANLEY

5 Our Process Developing Your Wealth Management Plan Over Four Phases Our collaborative process begins with conversations focused on thorough due diligence and gaining a comprehensive understanding of your financial life and aspirations. We utilize a time-tested process for helping to protect and grow wealth: 1 step one: Discovery Meeting step two: 2 Wealth Management and Investment Plan 3 step three: 45-Day Review step four: 4 Regular Progress Meetings This in-depth conversation is designed to identify what is truly important to you, so we may create a customized plan fully aligned with your goals. From this ongoing dialogue, we will analyze your current situation and develop specific strategies as part of your detailed wealth management and investment plan. At this session, we will answer specific questions regarding the implementation of your plan and set up any desired services, such as online access, electronic delivery and automatic bill pay. Ongoing meetings focus on reviewing your progress and determining any adjustments that may be necessary, based on changes in the market and your personal situation. THE FISHER GROUP 5

6 The Seven Pillars of Your Wealth Management Strategy Over the last 30 years, we have defined certain pillars for building prudent plans. After getting to know you your family, interests, lifestyle, concerns, risk tolerance and financial aspirations we will determine how to customize our capabilities to suit your present and future objectives: 1. Service First and foremost, we take great pride in the service we provide to you in creating and monitoring your plan. During our initial discussions with you, we will determine the communication method you most prefer, such as , in-person meetings or telephone calls. If you call with a question, you will be able to speak with a team member. If we are tied up in meetings, we will call you back promptly. We are in the office before the market opens and after it closes. If your question is related to administration or operations, one of our highly knowledgeable service professionals will address your query ASAP. The Morgan Stanley Mobile App is another way to stay connected. Designed exclusively for the needs of Morgan Stanley s Wealth Management clients, it connects you to a full suite of cash management functions, including the ability to pay bills and transfer funds. This gives you the freedom to do things on your own terms. 6 MORGAN STANLEY

7 2. Accessing Morgan Stanley s comprehensive banking services feature industry leading resources that allow you to efficiently manage your assets. Cash Management Active Assets Account Morgan Stanley Cards from American Express 3. Saving The diverse plans and accounts available facilitate funding your loved ones education and your retirement aspirations. Roth IRA Traditional IRA SEP & SAR-SEP IRA SIMPLE IRA 4. Borrowing With numerous options to select from, we work with you to choose the credit or financing vehicle appropriate for your specific requirements. Residential mortgage loans Securities-based loans Personalized loans 5. Investing By providing you with professional guidance informed by decades of experience, we walk you through the sometimes-confusing global investment universe, and work with you to ultimately choose the investment products appropriate for your goals and risk tolerance solutions designed to protect and grow your capital. Investing strategies Estate and multigenerational planning Protecting your financial goals Educating employees on achieving financial security Next generation education Family conversations on money 6. Protecting From insurance that fits your plan to proactive estate planning designed for your unique life and legacy and everything in between the overarching goal of your plan is to preserve what s important to you by mitigating risk. Wealth Transfer Strategies Intergenerational needs Trust and Estate Professionals Philanthropy Permanent Life Insurance Term Life Single Premium/Hybrid Long-Term Care Solutions Disability 7. Giving Wisely A wide range of trust and philanthropic services enable you to give prudently, so that your impact may be felt for generations to come. Charitable Lead Trusts Family Foundations Donor-Advised Funds THE FISHER GROUP 7

8 Our Team We are a family run wealth management team of seasoned professionals with diverse yet complementary skills, knowledge and training. We have worked together for years, methodically providing our clients with premium service, sound advice and the benefit of more than 60 years of collective experience. Working in Concert With Your Team of Specialists As your personal CFO, we help you to achieve the life and legacy you envision by building an expert team around you. We work in concert with your attorney, CPA, insurance professional and other specialists, and serve as the conductor who helps all parties to understand your priorities. Building this team can be particularly important when developing and executing an exit strategy. Accountant Exit Strategy Planners YOU, YOUR FAMILY, YOUR BUSINESS Investment Bankers Executive Services Estate and Legacy Planners Operations Executive Attorney Certified Portfolio Manager Private Banking Specialist Insurance Professional Personal Service Concierge

9 John F. Fisher Senior Vice President Wealth Advisor For John Fisher, service is more than just a word. It equates with responsibility, duty and honor. It means serving your country as much as it does serving your clients and your family, which is why John joined the U.S. Air Force and served as a pilot before embarking on another career that would enable him to serve, as well as utilize his strong interest in the global capital markets. He began his career in financial services in 1984, and has helped a wide range of clients during all market cycles. While serving as a wealth advisor at UBS Financial Services, he was promoted to senior vice president and his team earned the distinction of banking champions on three separate occasions. For many years, John was also a member of UBS president s club, the company s second highest honor. In 2017, John realized that he could provide more services to his clients by joining Morgan Stanley, which has the largest wealth management platform in the industry and vast global resources. Today, John focuses on helping high net worth professionals with asset allocation, retirement planning, and wealth and estate preservation strategies. His eldest son, John Curtis, works alongside him on the team, and together they conduct investment selection and portfolio management. John s youngest son, Harrison, is a bond trader in New York City. John senior earned a Master of Science degree in systems management from the University of Southern California and a Bachelor of Science degree in business administration from Penn State University, where he also developed a love of college football while cheering on the Nittany Lions. In addition to supporting a number of charities and being active members of their church congregation, John and his wife, Betts, enjoy travel, boating, fishing and skiing. When John is not in the office, he and Betts can be found at the lake with their dogs, Annie and Lilly. John C. Fisher Vice President Financial Advisor A native of Marietta, Georgia, John Curtis Fisher has always enjoyed helping people. In 2011, he joined his father at The Fisher Group to expand his interest in doing just that: one family helping others to preserve and grow their wealth. Like his father, he was attracted to Morgan Stanley s award-winning technology, vast global resources and open architecture: the ability to select investment vehicles from throughout the investment universe. Prior to joining Morgan Stanley, John Curtis and his father worked in a similar capacity at UBS, where they were three-time banking champions. At Morgan Stanley, John Curtis specializes in banking and lending, financial planning, long-term care solutions and insurance. He and John senior share the role of investment selection and portfolio management. John Curtis is a graduate of Woodward Academy and Auburn University, where he earned a B.S. in business administration. While at Auburn, John Curtis was an active member of the Sigma Alpha Epsilon fraternity; and he continues to be involved in the organization s mentoring and philanthropic endeavors. In 2016, John Curtis and his wife, Jackie, founded Sporting Clays for Kids, an annual event that raises awareness and funding for the Schenck School and the Dyslexic Resource Trust. John Curtis enjoys volunteering at Children s Harbor on Lake Martin, which treats children with special needs. When not volunteering or working with clients, he can be found fishing, skiing, water skiing, golfing or rooting for Auburn football. Today, John Curtis and Jackie live in Dunwoody, with their Labrador Retriever, Buddy.

10 Andrea D. Scott Senior Registered Associate Attracted to The Fisher Group s focus on excellence and the firm s wide array of award-winning client resources, Andrea Scott joined the Group in Since then she has become a critical component of the Group s service platform. Her many years of experience enable her to work smart and fast. She takes a proactive approach to client service and can often see issues before they arise. Andrea enjoys being able to assist clients with their diverse financial needs, such as payments and contributions. Series 7 and 66 registered, she is responsible for entering trades, forwarding wires and updating client portfolios. Andrea earned her B.A. in speech communication with an emphasis in public relations from Valdosta State University. She and her family volunteer with People First of Henry County, a nonprofit organization whose mission is to create fairness and equality for people with disabilities. Andrea is also actively involved in volunteer activities through her church. In her free time, she enjoys exercising and spending time with her family. Leslie V. Castrejon Client Service Associate Leslie Castrejon joined The Fisher Group as a summer intern in As an intern, she demonstrated exceptional organizational skills, efficiency and attention to detail. After graduating from Kennesaw State University with a B.S. in finance, her outstanding performance earned her a position as a full-time Client Service Associate. A critical part of the team, she focuses on a wide variety of administrative and operations duties, which ensure that the Group s clients receive the best service possible. Some of her key responsibilities include monitoring stocks followed by the Group, answering client queries, updating client accounts and data analysis, all of which she can explain to clients in English or Spanish. Born and raised in Atlanta, in her free time Leslie enjoys hiking Georgia s many scenic trails, exercising, painting and spending time with her family. She is currently studying for the Series 7 and 66, and hopes to one day become a financial planner with the Group. 10 MORGAN STANLEY

11 Protecting Our Clients Lifestyle And Legacy Our team works with a range of clients, from young professionals and entrepreneurs (who will likely have families of their own someday) to retirees and affluent families transitioning their life savings to future generations. As a result of more than 60 years of collective experience, we understand the complex needs and family dynamics involved every step of the way. We re passionate about creating long-term, comprehensive wealth management plans for the individuals and families we work with, because we know how critical such plans are to protecting our clients lifestyle and legacy. THE FISHER GROUP 11

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 Wealth Management 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 investor s individual circumstances and objectives. Tax laws are complex and subject to change. Morgan Stanley Smith Barney LLC ( Morgan Stanley ), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice and are not fiduciaries (under ERISA, the Internal Revenue Code or otherwise) with respect to the services or activities described herein except as otherwise provided in writing by Morgan Stanley and/or as described at www. morganstanley.com/disclosures/dol. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a retirement plan or account, and (b) regarding any potential tax, ERISA and related consequences of any investments made under such plan or account. Important Risk Information for Securities Based Lending: Borrowing against securities may not be suitable for everyone. You should be aware that there are risks associated with a securities based loan, including possible margin calls on short notice, and that market conditions can magnify any potential for loss. You need to understand that: (1) Sufficient collateral must be maintained to support your loan(s) and to take future advances; (2) You may have to deposit additional cash or eligible securities on short notice; (3) Some or all of your securities may be sold without prior notice in order to maintain account equity at required maintenance levels. You will not be entitled to choose the securities that will be sold. These actions may interrupt your long-term investment strategy and may result in adverse tax consequences or in additional fees being assessed; (4) Morgan Stanley Bank, N.A., Morgan Stanley Private Bank, National Association or Morgan Stanley Smith Barney LLC (collectively referred to as Morgan Stanley ) reserves the right not to fund any advance request due to insufficient collateral or for any other reason except for any portion of a securities based loan that is identified as a committed facility; (5) Morgan Stanley reserves the right to increase your collateral maintenance requirements at any time without notice; and (6) Morgan Stanley reserves the right to call securities based loans at any time and for any reason. Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and 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. Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED MAY LOSE VALUE NOT BANK GUARANTEED NOT A BANK DEPOSIT NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY 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. The investments 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. Insurance products, including annuities, are offered in conjunction with Morgan Stanley Smith Barney LLC s licensed insurance agency affiliates. Annuity contracts contain exclusions, limitations, reductions of benefits and terms for keeping them in force. All guarantees are based on the claims-paying ability of the issuing insurance company. Principal value and return of an investment will fluctuate with changes in market conditions Morgan Stanley Smith Barney LLC. Member SIPC. CRC /18 CS /18