The Stack-Gravenstine-Smith Group at Morgan Stanley Smith Barney

Transcription

1 The Stack-Gravenstine-Smith Group at Morgan Stanley Smith Barney

2 330 Fellowship Road Suite 400, Mount Laurel, New Jersey / toll-free / fax stackgravensmithgrp@mssb.com

3 The Stack-Gravenstine- Smith Group at Morgan Stanley Smith Barney As the financial world becomes more complex and investment choices multiply, careful planning becomes ever more important to helping you achieve your financial goals. As Financial Advisors, our role is to work with you to help you develop a plan that lays out a clear path to your goals a plan that we develop in collaboration with you, and one that you can follow with confidence in the face of the market s ups and downs. Together, we will explore a broad range of topics that are likely to influence your financial future from your family situation to your career aspirations, from likely education expenses to the retirement you ultimately envision. What we learn will become the foundation for a financial and investment strategy based on who you are and where you want to go. Only then will we talk with you about the details of investing: how much risk makes sense, your asset allocation, and which investments are right for your portfolio. But that s just the beginning. Over time, we will revise your plan to reflect new aspirations and priorities, helping your plan keep pace as the markets change and your life unfolds. The Stack-Gravenstine-Smith Group 3

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5 Meet the Professionals J. David Stack Senior Investment Consultant Senior Vice President Wealth Advisor Gregg W. Gravenstine Senior Investment Consultant Senior Vice President Wealth Advisor Dave has been a fully licensed investment professional since He has his Series 7, 65, 63, and 31 Licenses as well as being licensed in life insurance and long term care. He is also a Financial Planning Specialist and has been a Registered Financial Advisor with the NFL Players Association since its inception in Dave earned his Bachelor of Science Degree in Economics from the University of Wyoming, where he was also a member of the undefeated football team that played in the 1968 Sugar Bowl. Dave s industry experience, planning based philosophy, and economics background enables him to develop customized, goal based financial plans and investment strategies for our clients. Dave and his wife Maryann are blessed with children and grandchildren, and both are active in community service. Gregg began his career in His technical background as a Chemical Engineer, his CIMA graduate education and his extensive investment experience, gives him a unique perspective on portfolio construction and management. He is a long-time practitioner of goal-oriented financial planning cohesively meshed into portfolio construction which is targeted on client s needs, values, aspirations, concerns and risk tolerance. Gregg graduated from Drexel University with a Bachelor of Science degree in Chemical Engineering and minor in Business Administration. He received his Certified Investment Management Analyst (CIMA) designation in 2004 along with his certification in Long Term Care Planning to further his educational background. Gregg has also been a Registered Financial Advisor with the NFL Players Association since its inception in This designation requires a rigorous annual review of his compliance history and investment experience. Gregg is active in the community and with his children and their various activities. He currently resides with his wife and children in Lumberton, NJ. The Stack-Gravenstine-Smith Group 5

6 Robert C. Smith, CFP Wealth Advisor Michele R. McDowell Senior Client Service Associate As a fully licensed investment professional since 1999, Rob implements wealth management strategies for individuals and families. He also works with businesses developing retirement plan solutions that meet the needs and objectives of the ownership and management teams. Rob is firmly committed to long-term relationships and exceptional client service. He listens carefully to each client identifying their goals, concerns, and needs; based on this input, Rob works with our clients to develop strategies to help them achieve their financial objectives. Rob earned his CFP designation in 2006 and is also a Financial Planning Specialist. He graduated from Millersville University with a Bachelor of Science Degree in Occupational Safety and began his career as a Loss Prevention Specialist for a major insurance company before beginning his career as a financial advisor. Rob lives with his wife and three children and enjoys being active in his children s sporting and school activities. Michele s primary focus is overseeing our Client Management System. She prepares reports, proposals and documents needed for client calls, correspondence and meetings on a daily basis. She also supports our clients by handling their daily needs. Michele began working in the financial services industry in 2000 and obtained her Series 6 and 63 Securities Licenses while with a large Mutual Fund Transfer Agent. In September 2002, Michele decided to switch to the brokerage side of the business and joined our team. 6 Morgan Stanley Smith Barney

7 Karen U. Prather Senior Client Service Associate Karen s responsibilities focus on handling the day-to-day needs of our clients. Her commitment to customer service and knowledge of the firm s banking and administrative processes, allow Karen to effectively service our client s needs. Karen has worked in the financial services industry since She began her career as a customer service representative and continues in that roll today. She joined our team in 1997 and currently resides in Clementon, NJ.

8 Developing Your Wealth Management Strategy Your achievements reflect substantial effort, and we will work just as hard on your behalf, committing our experience and skills to helping you achieve your unique goals for your wealth. 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 discuss your current financial resources, time horizon for your goals, tolerance for risk even how your liabilities are structured. If you own a business, we also might discuss your current banking and cash management needs. 8 Morgan Stanley Smith Barney

9 Discover Plan 2 We will present a plan to help address needs such as income and retirement planning, asset protection, investment management, strategic borrowing, wealth transfer and business succession. We will also recommend an asset allocation strategy reflecting your risk tolerance and investment time horizon. Review Implement 3 The team 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 You will receive a comprehensive quarterly performance review, helping you track progress toward your objectives. 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.

10 Risk Management The ups and downs of the markets is just one kind of risk but so is not protecting my assets and my family. How do I protect what I care about most? Retirement When I retire, it will affect just about everything that matters: my lifestyle, my company, my family. Is there a way to plan for retirement that takes it all into account? Integrated Planning 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 banking and lending simplify my financial life and maximize the value of what I own? Education Funding 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? Investment Management I have so many goals and priorities. How can one investment strategy balance them all? Liquidity I can predict some expenses, but others I know I can t. How can I plan to have the cash I need? You Benefit From a Profound Understanding of the Full Range of Wealth Management Needs Estate Planning 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 Pursuits The charities I support are like extended family. How do I maximize the good I can accomplish?

11 A CULTURE of EXCELLENCE OvER ThE years, you have made many financial decisions. OnE in particular is LikELy TO have A LAsTing impact On your well being And ThAT Of your family: ThE ChOiCE Of A financial AdvisOR. Investors who choose Morgan Stanley Smith Barney often tell us that their reasoning is simple. They choose a Financial Advisor and a firm that mirrors the values propelling their own success: a commitment to perform at the highest level for their clients, with no shortcuts, compromises or excuses. a strong, steady force in a changing industry CEO and senior team with deep wealth management experience 130 years of combined experience 900 global locations 18,000 financial advisors 7 million client accounts $1.5 trillion client assets Unparalleled e xperience. Drawing on many years of experience, Morgan Stanley Smith Barney understands the importance of shaping relationships that reflect client needs, preferences and aspirations. Our firm and Financial Advisors have an in-depth understanding of virtually all the challenges, goals, preferences, styles and strategies that distinguish wealthy investors. Additionally, as a truly global financial institution, we have an equally acute knowledge of financial opportunities and the potential risks. This combination positions us to develop, structure and execute solutions for your most important financial needs, from accumulating wealth to investing for income, from solidifying retirement security to devising a distribution approach that meets your lifestyle and legacy goals. investment insight without limits. As a client, you have access to the strategic and tactical views of some of the world s most seasoned and respected investment professionals. The members of our Global Investment Committee develop strategies that guide the management of advisory accounts and help to inform the decisions of clients across Morgan Stanley Smith Barney. The team is currently supported by the work of 350 analysts at two of the world s largest investment banks, Morgan Stanley and Citi, who cover key geographic and economic sectors, as well as 3,000 individual equity securities. You also benefit from a premier trading and execution platform. Think of our 225 capital markets professionals as experienced, highly responsive and knowledgeable partners. performance that meets your measure. Among the most important skills of our Financial Advisors is the ability to listen: to thoroughly understand your financial needs and then align the resources to meet them. Your Financial Advisor 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 help deliver performance results that meet your needs. Your Financial Advisor is your advocate within our firm, an intelligent editor who selects and aligns the many capabilities of Morgan Stanley Smith Barney for you, delivering the right resources to you in the way that is most appropriate for how you invest and what you want to achieve. one of the world s strongest investment organizations stands Behind your financial advisor Financial Advisors have access to top-flight research from both Morgan Stanley and Citi. Combined, they analyze and track the progress of more than 3,000 companies all over the world. Please read important disclosures on the back cover of this brochure Morgan Stanley SMith Barney 11

12 Morgan Stanley Smith Barney strives to offer clients the finest in financial thinking, products and execution to help them meet their individual needs and achieve their personal financial goals. When we work together, you ll benefit from personalized advice, objective guidance and dedication to your success as an investor. With access to Morgan Stanley Smith Barney s renowned global resources and investment opportunities, we can help you develop and maintain an optimal investment strategy. Our wealth management strategy will address key areas of your financial life beyond traditional investments and may incorporate diverse recommendations for building and protecting your wealth. Morgan Stanley Smith Barney 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. Asset allocation and diversification do not guarantee a profit or protect against loss Morgan Stanley Smith Barney LLC. Member SIPC /11