The Flint Hills Group at Morgan Stanley

Transcription

1 The Flint Hills Group at Morgan Stanley

2 Left to right: Robert Ralston, Paul Attwater, Kay Koehler, Thomas West, Danielle Schreck, Gregory Ek 1617 Waterfront Parkway Suite 200, Wichita, KS / MAIN / FAX Firstname.Lastname@morganstanley.com 2 MORGAN STANLEY

3 The Flint Hills Group at Morgan Stanley Welcome Our name is inspired by the strength and integrity of the Flint Hills in Kansas. This treasured grassland region provides sustenance for an ecosystem that dates back centuries. Like the Flint Hills, our team s strengths are rooted in history. The origins of The Flint Hills Group date back to 1966, when Paul Attwater s father started our financial advisor practice. More than half a century later, we proudly serve clients who have been with us since the beginning. We now work with the fourth and fifth generations of some of the families we serve. With over 100 years of combined experience in the industry, many families have entrusted us with building, protecting and preserving their wealth. Why? Because we offer time-tested, top-tier financial guidance and dedicated client care. We bring the experience of all of our clients to each of our clients. This means that we apply the deep insight acquired from decades of experience to your unique needs and concerns. Whether you re facing challenges around planning for retirement, tax mitigation, philanthropy, saving for education or establishing a family legacy, we offer tailored guidance geared toward you and your family. And like the Flint Hills, you can trust that we are here for the long term. THE FLINT HILLS GROUP 3

4 Our Beliefs We believe in: Delivering first-class service in a first-class way with time-honored skills, top-tier professionalism and responsive care. Personal accountability and always doing the right thing. Regular communication and an attentive eye. We keep in touch consistently and adjust financial solutions when your needs or objectives change. Personalized investment portfolios to best suit your goals. That s why we don t use cookie-cutter investment solutions for our clients. Leveraging the global resources of a world-class financial firm to help you build, preserve and protect your wealth. Collaborating with your other trusted advisors; including attorneys and CPAs. This way, your financial strategy is both coordinated and comprehensive. Giving back. We donate our time, talent and resources to support the community in which we live and work. We believe that: Investment decisions should not be driven by emotion. That s why we create plans that are proactive, rather than reactive. 4 MORGAN STANLEY

5 Beliefs are choices. First you choose your beliefs. Then your beliefs affect your choices. Roy T. Bennett, Author THE FLINT HILLS GROUP 5

6 D.R.E.A.M. Wealth Management Approach D R Planning brings purpose to investing. Rob Ralston discover Our process starts with you. We begin by learning about you, your family and your financial complexities. We ll talk about the lifestyle you enjoy, your passions and your concerns. We ll also explore personal values, key relationships, and details about your current investment portfolio. Capturing all of this information will enable us to formulate specific strategies, and, of equal importance, it helps us to customize the entire relationship to your preferences and requirements. recommend Based on our discussions, we will analyze your personal and financial information, assess risks, and identify any potential threats to your financial health. We will then present appropriate investment options that are designed to work together to achieve your financial goals. We will present several wealth management recommendations that often encompass cash flow management, risk management, tax mitigation, as well as estate, trust and philanthropic strategies. 6 MORGAN STANLEY

7 E A M execute Once you ve approved your wealth management plan, we will begin the implementation process. Wherever appropriate, we will suggest additional, indepth advice on particularly complex issues we have identified such as estate planning and tax mitigation strategies. Whatever approach we implement, we will help keep your strategy on track. adjust Ongoing communication is a vital component of our relationship, and we are committed to keeping you abreast of your changing financial needs. We will seek to make certain your assets are positioned according to your evolving needs. If necessary, we will suggest adjustments to your strategy to address any changes to your long-term objectives or market conditions. monitor Coordinating with you and your other advisors, we will conduct ongoing strategic reviews. We will perform portfolio performance and risk monitoring to ensure alignment to your investment strategy. THE FLINT HILLS GROUP 7

8 Our Clients We advise individuals, families, executives and business owners who have often accumulated significant wealth but need help managing and ultimately transferring their assets. We treasure the long-term relationships formed with our clients and take pride in guiding multigenerational families through life s financial challenges while preserving their family values and legacy. Often big life changes accompany financial decisions birth, marriage, divorce, retirement or a death. These can be emotional experiences, but with careful guidance, we help assure our clients that despite distracting life events, their financial strategy is being well-managed. We are humbled by the opportunity to make a difference in our clients lives. Sometimes our impact is measured by returns on an investment or securing the funds to send a child to college. Other times, it is less tangible, like the comfort we provide while helping a client with his or her estate after the death of a loved one. Our clients have worked hard to build meaningful lives. That s why we believe they deserve an exceptional team that is just as invested as they are in their future. 8 MORGAN STANLEY

9 A TEAM OF PROFESSIONALS Our Services Include: wealth planning Goals-Based Financial Planning Retirement Planning Education Planning / 529 Plans IRAs / 401(k) Rollovers wealth strategies Risk Mitigation Estate and Gift Transfer Charitable Giving wealth protection Life Insurance Long-Term Care Annuities investments Professional Portfolio Management Mutual Funds / ETFs Stocks/Bonds Alternative Investments Private Equity Structured Notes private banking Cash Management/CDs/ Treasury Banking Services American Express Credit Card Security Based Lending Mortgages wealth management digital services Morgan Stanley Access Investing Morgan Stanley Online Morgan Stanley Mobile Morgan Stanley Deposit esign Asset Aggregation THE FLINT HILLS GROUP 9

10 Giving Back Our team is deeply rooted in the Wichita community. We ve spent most of our careers working for local families futures, and we re also raising our children and grandchildren here. We believe it s important to give back. We actively embrace community involvement by serving as board members, volunteers and sponsors for several local organizations. Team members have helped develop two youth leadership programs in our area: The First Tee golf initiative, a youth development organization that teaches life skills and healthy habits to local youth; and the Morgan Stanley Youth Entrepreneurs Summer Partnership, teaching students about saving and investing. WICHITA AREA ORGANIZATIONS WE PROUDLY SUPPORT: Air Capital Classic (Wichita Open) Ballet Wichita Big Brothers / Big Sisters Boy Scouts of America Cerebral Palsy Research Foundation Exploration Place Kansas Association of Chiefs of Police Partners for Wichita Rainbows United Salvation Army The First Tee of Greater Wichita Wichita Children s Home Wichita Crime Commission Wichita Festivals Autumn and Art Wichita Rotary Club Youth Entrepreneurs 10 MORGAN STANLEY

11 Be generous with your expertise, your time and your money. James Gorman, Chairman and CEO, Morgan Stanley THE FLINT HILLS GROUP 11

12 A Team of Professionals Paul R. Attwater III Senior Vice President Financial Advisor Branch Manager Paul R. Attwater III is a Senior Vice President, Financial Advisor, Branch Manager, and Founder of The Flint Hills Group at Morgan Stanley. With over 30 years of experience in the financial services industry, Paul focuses on comprehensive wealth management for high net worth families and small foundations. He also serves as Chief Investment Officer for The Flint Hills Group. Paul graduated from Kansas State University with a Bachelor of Science in economics, and he continues to serve his alma mater as a member of the KSU Economics Department Advisory Council. Paul has been recognized as one of the Wichita Business Journal s 40 Under 40 (1999). With extensive investment experience and a client-centered approach, Paul designs custom financial solutions that aim to build and preserve wealth. He takes pride in having guided many families through the multigenerational challenges of managing wealth, helping them meet their current needs while preserving their family values and legacy. Deeply rooted in his community, Paul is a dedicated member of several local organizations, including the Wichita Rotary Club, Wichita Executives Association and Wichita Crime Commission. Paul and his four sons are Eagle Scouts, and he serves as Vice President of Endowment for the Boy Scouts of America s Quivira Council. Outside of work, Paul and his wife, Kim, enjoy traveling and spending time with family and friends. Paul.R.Attwater.III@morganstanley.com Thomas M. West First Vice President Financial Advisor Thomas M. West is a First Vice President, Financial Advisor and partner with The Flint Hills Group at Morgan Stanley. With over 20 years of experience in the financial services industry, Tom focuses on providing custom wealth management strategies for high net worth individuals and their families. He also guides the team s long-term vision and risk management profile. Tom began his career with A.G. Edwards in 1997, and soon evolved his practice to focus on comprehensive wealth management. To better serve his clients with industry-leading resources, Tom joined Morgan Stanley in In 2013, he entered a partnership with Paul R. Attwater III, founder of The Flint Hills Group at Morgan Stanley. With extensive experience and attentive care, he guides individuals and families through complex wealth management decisions and is dedicated to helping them build, protect and preserve their wealth for generations. Tom is passionate about cultivating close client relationships that are built on trust and communication. Outside the office, Tom founded The First Tee of Greater Wichita, a nonprofit youth development organization and golf initiative that teaches life skills and healthy habits to local youth of all socioeconomic backgrounds. Tom and his wife, Jan, enjoy traveling, golfing and spending time with their grandchildren. Thomas.M.West@morganstanley.com Gregory E. Ek First Vice President Financial Advisor Gregory E. Ek is a First Vice President, Financial Advisor with The Flint Hills Group at Morgan Stanley. With over 40 years of experience in the financial services industry, including more than 20 years as a financial advisor, Greg provides personalized wealth management strategies for business owners, individuals and families who have accumulated significant wealth. A graduate of the University of Kansas, Greg earned a bachelor s degree in business administration. He has served his alma mater as a national board member of the KU Alumni Association, a member of the 2017 Chancellor Search Committee, and a board member of the Wichita and Kansas City Area KU Alumni Chapters. Experience, insight and dedication to top-tier service drive Greg s financial advising. Deeply committed to the long-term financial success of his clients, Greg offers a high level of personal attention. He carefully tailors his wealth management strategies to each client s unique needs and goals. Outside of the office, Greg is an active member of the East Wichita Rotary Club and is committed to giving back to the community. Greg and his wife, Debby, have been married for over 40 years, and enjoy spending time with family and friends, including their two adult children and five grandchildren. Greg.Ek@morganstanley.com MORGAN STANLEY

13 A TEAM OF PROFESSIONALS Robert J. Ralston Financial Advisor Danielle Schreck Senior Registered Associate Kay Koehler Senior Registered Associate Robert J. Ralston is a Financial Advisor with The Flint Hills Group at Morgan Stanley. With over 10 years of experience in the financial services industry, Rob focuses on providing comprehensive wealth management solutions for high net worth individuals and their families to ensure they re prepared for every major life transition. A graduate of the University of Kansas, Rob earned a Bachelor of Science in finance and began his career on Wall Street as an Equity Research Analyst covering health care stocks at Banc of America Securities. Prior to joining Morgan Stanley in 2015, Rob advised institutions and high net worth individuals who owned distressed fixed income securities and real estate. With The Flint Hills Group, Rob is responsible for creating goals-based financial plans for clients. Once a client s plan is implemented, Rob works closely with each client to create a customized investment strategy that is aligned with his or her goals and objectives. Throughout this process, Rob maintains a high level of communication with clients to ensure that their financial plans are consistent with their vision of the future. Outside of the office, Rob and his wife, Lindsey, are the proud parents of two young daughters. In the community, Rob is involved in his church and serves on the local board for the KU Alumni Association. In his spare time, you can find Rob on the golf course or nose-deep in a piece of fiction. Danielle Schreck has more than 10 years of experience as a registered associate in the securities industry. Prior to joining The Flint Hills Group, Danielle spent several years as the Operations Manager for Wells Fargo Advisors. Danielle has two children, Alex and Emily, and enjoys movies, watching sports and participating in outdoor activities. Danielle received her bachelor s degree in business management from Friends University. Danielle.Schreck@MorganStanley.com Kay Koehler has nearly 30 years of experience in the financial service industry. She is responsible for providing administrative and operational support for our Financial Advisors in serving our clients. Kay is a lifelong Kansan and is married with four kids and six grandkids. She enjoys living in the country, traveling and cooking. Kay.koehler@morganstanley.com Someone s sitting in the shade today because someone planted a tree a long time ago. Warren Buffett Robert.Ralston@morganstanley.com THE FLINT HILLS GROUP 13

14 CHOOSING YOUR FINANCIAL ADVISOR The choice of a Financial Advisor is a particularly important decision. The more you know, the more comfortable you will be with your decision. Has the advisor helped other clients through similar life issues and events and the personal and financial transitions involved? Does the advisor have an experience-based process? Is the advisor a good listener? Will the advisor accommodate and support your personal decision process? Does the advisor typically recommend one solution or offer several alternatives with a clear analysis of each and an understanding of your personal objectives? Is the advisor supported by an experienced team? Will you have direct access to others on the team? Is the advisor part of a larger organization with deep resources and specializations? EXPERIENCE WITH LIFE ISSUES COLLABORATIVE APPROACH ADVISOR AND FIRM STRUCTURE FINANCIAL PLANNING WEALTH STRATEGIES AND ESTATE PLANNING UNDERSTANDING OF FAMILY ISSUES INVESTMENT MANAGEMENT DEPTH 14 MORGAN STANLEY

15 Does the advisor offer additional services that enhance the value of the relationship? Does the advisor offer you comprehensive personal financial planning that will provide you with a clear and understandable path to your financial security? Are you confident that the advisor can help you minimize costs in order to pass on the greatest value possible to your estate? Can your advisor support a wealth strategy that involves multiple accounts, trusts and other ownership structures that employ tax mitigation strategies? Is there the right chemistry with you and your family? Does the advisor have the sensitivity and experience to help you deal with family issues and disagreements that wealth can create? Does the advisor understand the concept of family governance? Does the advisor understand how you think about risk? How broad and flexible is the advisor s investment platform? Can your advisor clearly explain his or her approach to both strategic and tactical asset allocation? Is the advisor supported by an experienced team of professionals to help execute a customized investment strategy? For illustrative purposes only. THE FLINT HILLS GROUP 15

16 Let s Get Started If you d like to have a conversation to see if we can help you with your life goals, please call us at , or flinthillsgroup@morganstanley.com 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 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 does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee. 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. Variable annuities are sold by prospectus only. The prospectus contains the investment objectives, risks, fees, charges and expenses, and other information regarding the variable annuity contract and the underlying investments, which should be considered carefully before investing. Prospectuses for both the variable annuity contract and the underlying investments are available from your Financial Advisor. Please read the prospectus carefully before you invest. On Wall Street s Top 40 Under 40 asks brokerage firms to nominate their top young brokers. Of those nominated, On Wall Street bases its rankings on quantitative and qualitative criteria. Financial Advisors are ranked by their annual trailing-12 month production (as of Sept 30, 2014), The rating is not indicative of the advisor s future performance. Neither Morgan Stanley Smith Barney LLC nor its financial advisors pay a fee to On Wall Street in exchange for the rating. Morgan Stanley Smith Barney LLC offers insurance products in conjunction with its licensed insurance agency affiliates. Since life insurance is 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. Member SIPC. CRC /18 CS /18