The Ricca-Weinerman Group at Morgan Stanley. Providing Wealth Management Solutions

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1 The Ricca-Weinerman Group at Morgan Stanley Providing Wealth Management Solutions

2 300 Campus Drive 4th Floor, Florham Park, NJ / MAIN / TOLL-FREE / FAX

3 The Ricca-Weinerman Group at Morgan Stanley Managing wealth involves far more than managing an investment portfolio. It begins with developing a holistic, comprehensive understanding of who you are and the financial forces at work in your life. It means helping you understand and respond effectively to these forces. And, of course, it means helping you invest your assets in a way that reflects the realities of your life and the uniqueness of your long term goals. As Financial Advisors, we are committed to building a relationship of trust in which we can work closely with you to help you define your objectives, explore alternatives and choose the financial and investment strategies that are most appropriate for you. As our relationship evolves, we hope you will come to regard us as a valued resource and professionals who can help you make a more informed decision on any financial issue. Our most important goal: to help you achieve your objectives, providing guidance that helps your wealth do more for you. THE RICCA-WEINERMAN GROUP 3

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5 Meet the Professionals Michael J. Ricca, CFP Managing Director Financial Advisor David S. Weinerman, CFP Managing Director Financial Advisor Entering his 3rd decade in the financial services industry, Michael is highly experienced in financial planning and wealth management for individuals and corporate clients. His technical knowledge covers the broad span of our client s financial management needs, including investment management, estate planning strategies, retirement analysis, life insurance, tax minimization strategies and charitable giving. Whether he is implementing a monetization strategy or developing a multi-generational investment program, Mike is committed to providing time-tested financial counsel and unparalleled client service. He serves as co-strategist for the Ricca-Weinerman Group and is well regarded for his accessibility, depth of knowledge and close relationships with CPAs, attorneys, insurance specialists and estate planning experts. Mike has been recognized at the highest level of the firm as a Chairman s Club member as well as being chosen for the Financial Times Top 400 US Advisors list. He has been named to the Barron s Top 1000 Advisors list annually since Mike earned his MBA in Finance from Seton Hall University, BA in English and Economics from Rutgers University and completed his CFP at Farleigh Dickinson University. Mike and his wife, Susanne, live in Mendham, NJ with their three children. He is committed to his community and enjoys running, cooking and the Jersey shore. David began his career as a Financial Advisor in 1987 and cofounded The Ricca-Weinerman Group in His decades of experience in investment management, corporate services, insurance planning, tax minimization strategies, cash management and trust and estate planning strategies allow him to develop and implement comprehensive and holistic wealth management strategies for a wide variety of sophisticated clientele. His commitment to superior client service has led to client relationships that span generations. In addition to leveraging the global resources of Morgan Stanley, Dave has relationships with attorneys, CPAs and estate planning specialists to ensure that his clients comprehensive financial needs are met. David has been recognized at the THE RICCA-WEINERMAN GROUP 5

6 Mary Guza, CFP, CRPS Corporate Retirement Director Associate Vice President Financial Advisor highest level of the firm as a Chairman s Club member as well as chosen for the Financial Times Top 400 US Advisors list. He has been named to the Barron s Top 1000 Advisors list annually since David earned a BS in Economics from Florida State University and his CFP at Fairleigh Dickinson University. He is on the board of the Sunrise House in Lafayette, NJ. David lives in Chester, NJ with his wife, Kelly, and their four children. When not cheering his children on at their sporting events, he enjoys golf, fishing and the Jersey shore. Experienced in financial planning and retirement analysis, Mary joined the Ricca-Weinerman Group in 2007 to focus on employer sponsored retirement plans and individual client relationships. Her abilities span asset allocation and insurance analysis to multi-asset class investment programs, but are all developed within the framework of a long-term financial plan. As a Corporate Retirement Director, Mary is experienced in all aspects of retirement plans, including plan design, investment strategy, fiduciary issues and regulatory topics. While Mary utilizes the firm s resources and her extensive training to deliver personalized advice, it is her warm and outgoing personality that deepens her long standing client relationships. Mary s demonstration of high professional standards and client service has earned her membership in Morgan Stanley s Pacesetter s Club. She graduated from King s College with a BS in Finance and earned her CFP from Farleigh Dickinson University. Mary s designation as a Corporate Retirement Planning Specialist is from the College for Financial Planning. A Pennsylvania native, Mary now enjoys living in Chatham, NJ. She is passionate about traveling, her family and friends and all types of fitness activities. 6 MORGAN STANLEY

7 Stephen R. Allen, CFP, CRPC Vice President Financial Advisor Stephen provides a wide range of services to our clients, specializing in retirement planning he earned the designation of Chartered Retirement Planning Counselor SM in Stephen began his career with Merrill Lynch s Private Client Group, offering personalized advice to high net worth clients. He earned a BS in Marketing from Rider University, and his CFP from Fairleigh Dickinson University. Stephen lives in Basking Ridge, New Jersey with his wife and two daughters. He enjoys golf and family time on the Jersey Shore. Diana L. Chaney Financial Planning Specialist Financial Advisor Diana utilizes the firm s broad investment management capabilities to structure our clients professionally managed portfolios. Diana worked on the floor of the New York Stock Exchange and developed her trading experience into a successful career as a portfolio manager, working on mutual funds and portfolios for high net worth individuals. In 2003, Diana joined The Ricca-Weinerman Group to bring extensive knowledge and experience in investment analysis, asset allocation and portfolio construction to the team. Diana has a BS in Management from Bucknell University and an MBA in Finance from New York University s Stern School of Business. She lives in Mendham, NJ with her husband, Michael, and their two sons. Nicholas Salamone, CFP Financial Planning Specialist Financial Advisor Nicholas recently joined his growing practice to The Ricca- Weinerman Group. Nicholas focuses on all aspects of wealth management for individuals, business owners, executives and 401K plans. He works collaboratively with clients to create customized, comprehensive financial plans designed to address their wide variety of objectives and goals. His process-oriented and personable nature, combined with his entrepreneurial spirit, make him very effective in delivering solutions for his clients. Nick graduated Cum Laude from the University of Hartford with a BS in Economics and Finance and has completed his Certified Financial Planner designation. A resident of Nutley, NJ, Nick enjoys boating and competing at all types of sports, especially golf. THE RICCA-WEINERMAN GROUP 7

8 Shanon B. Ohlweiler Relationship Manager Vice President Lindsay B. Conte Group Director Assistant Vice President Melissa W. Anton Business Development Associate Assistant Vice President Shanon is responsible the Ricca- Weinerman Group s commitment to superior client service. Highly detail oriented, she is dedicated to the administration of the team s high net worth relationships and managing a wide variety of complex client service issues. Shanon has spent her entire career at Morgan Stanley and is a cornerstone of the Ricca- Weinerman Group. Shanon earned a BA in Finance from Fairleigh Dickinson University. She lives in Mendham, NJ with her husband, Chris, and their two young children. She is an avid sports and classic car enthusiast, and is a nationally certified instructor for the Porsche Club of America s Driver Education Program. Lindsay manages the extensive client service team for the Ricca- Weinerman Group. She is committed to maintaining our outstanding client satisfaction by providing the highest level of customer service combined with Morgan Stanley s broad resources. Lindsay s strong organizational skills are most beneficial in managing our extensive client service team and handling our client s many complex administrative issues. Born and raised in South Africa, Lindsay moved to the United States in She earned a BS in Finance from Fairleigh Dickinson University and currently lives in Chester, NJ. Lindsay and her husband, Vincent, have two school age children. Melissa leverages her 12 years of experience in the financial services industry to provide outstanding client service and account administration. In addition to supporting new and existing client relationships, she uses her strong problem solving skills to manage our client s complex issues and train other team members. Melissa graduated from Rutgers University with a BA in Economics. Recently relocated from TX back to NJ, Melissa and her husband, Robert, have two daughters. In addition to spending time with her family, she enjoys judging high school gymnastics competitions. 8 MORGAN STANLEY

9 Kimberlie Wavra Portfolio Associate Assistant Vice President With her financial experience and technology skills, Kimberlie is indispensable to the Ricca- Weinerman Group s comprehensive financial planning capabilities. She is responsible for implementing our custom and model portfolio strategies, utilizing sophisticated financial planning software and preparing performance analysis reports. Additionally, Kim helps execute daily trades and keeps the team current on technology developments. Kim graduated with honors from Seton Hall University with a BS in Business Administration. She and her fiancé currently live in Warren, NJ and she enjoys travelling and spending time with family and friends. Cynthia Adduci Senior Client Service Associate Cynthia serves as the concierge for the Ricca-Weinerman Group. She assists our clients with charitable giving, sponsorships and special service requests as well as helping with the team s travel and administrative needs. Cynthia has nearly 20 years of experience in the financial services industry working in a variety of different roles, including Branch Administrator. She currently works on a part-time basis allowing her to spend more time with her young family. Cynthia earned a BA in Psychology from William Patterson University. She lives in Budd Lake, NJ with her husband, Luca, and their daughter and son. Cynthia enjoys spending time with her family and is a wonderful cook. Amanda T. Rusciano Registered Associate With a background in both finance and accounting, Amanda serves our clients in a variety of administrative and problem solving functions. She is a dedicated team member and knowledgeable about our client s many needs, such as banking and lending, alternative investments, trade execution and retirement account management. Amanda is committed to taking as much of the administrative workload off of our clients as she can. Amanda earned a BS in Finance from Penn State University and currently lives in Hoboken, NJ. She enjoys the outdoors and vacationing with friends and family. THE RICCA-WEINERMAN GROUP 9

10 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 professionals, 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 10 MORGAN STANLEY

11 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 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 Gifting Charitable giving Asset titling Estate tax funding strategies Family dynamics/family meeting *Team will help assist with both in-house and outside advisors. CRC# /2016

12 Creating Your Plan To be truly effective, your plan must reflect the totality of your personal and financial life. Our role is to help ensure that your investment objectives are consistent with pressing financial concerns and your long-term aspirations. These four steps were developed to achieve that goal: 1 Setting your financial objectives Through a process of discovery and discussion, we will work with you to articulate your aims for your wealth. Together, we will examine your current and future liabilities, income sources and cash flow needs, and then consider factors that might influence your overall strategy, including tolerance for risk, tax concerns, liquidity needs and time horizon. Through careful analysis, the team will look for potential gaps that may exist between you and your goals, and develop sound strategies to help smooth the path. 2 Creating your strategy Working from our understanding of you and your objectives, we will propose a financial plan that contains specific strategies designed to help meet those goals. Our advice may encompass issues such as retirement planning, business continuation, tax minimization potential and wealth transfer. You will also receive an asset allocation strategy designed to provide diversification for your portfolio. 3 Implementing your strategy After discussing and refining your strategy, we will work closely with you to bring the elements to life. Should we decide together that outside money managers are appropriate for you, the team will draw on indepth research and analysis to help you select from the hundreds of investment management firms available to you. If you prefer to invest in individual securities, we can help identify specific stocks, bonds and other securities that may be suitable for your portfolio. Whatever approach we decide on, we will help you keep your strategy on track. 4 Reviewing objectives and performance We view ongoing communication as the foundation of our successful collaboration with you. We will make every effort to keep abreast of your changing financial needs and provide viable strategies to help you meet them. This means reviewing your portfolio together at your request. When your circumstances change, we will work with you to revise your strategy and reposition your assets to reflect your new needs and goals. 12 MORGAN STANLEY

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14 Awards Michael J. Ricca, CFP and David S. Weinerman, CFP: Barron's "Top 1200 Advisors" list 2014, 2015, 2016 Barron's "Top 1,000 Advisors" list 2009, 2010, 2011, 2012, 2013 Financial Times "Top 400 US Advisors" list 2013, 2014 NJ Monthly 5 Star Wealth Managers 2012, 2013, 2014, MORGAN STANLEY

15 Morgan Stanley 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 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.

16 Source: Barron's Top 1,000 Advisors, February 18, 2013, as identified by Barron's magazine, using quantitative and qualitative criteria and selected from a pool of over 4,000 nominations. Advisors in the Top 1,000 Financial Advisors have a minimum of seven years of financial services experience. Qualitative factors include, but are not limited to, compliance record, interviews with senior management, and philanthropic work. Investment performance is not a criterion. The rating may not be representative of any one client's experience and is not indicative of the financial advisor's future performance.neither Morgan Stanley Smith Barney LLC nor its Financial Advisors or Private Wealth Advisors pays a fee to Barron's in exchange for the rating. Barron s is a registered trademark of Dow Jones & Company, L.P. All rights reserved. Source: The Financial Times Top 400 Financial Advisors is an independent listing produced by the Financial Times (March, 2014). The FT 400 is based in large part on data gathered from and verified by brokerdealer home offices, and, as identified by the FT, reflected each advisor s performance in six primary areas, including assets under management, asset growth, compliance record, experience, credentials and accessibility. The rating may not be representative of any one client s experience and is not indicative of the Financial Advisor s future performance. Neither Morgan Stanley Smith Barney LLC nor its Financial Advisors or Private Wealth Advisors pays a fee to The Financial Times inexchange for the rating. 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