The SWS Group at Morgan Stanley Smith Barney

Transcription

1 The SWS Group at Morgan Stanley Smith Barney

2 3102 West End Avenue Suite 200, Nashville, Tennessee / Main 866-STK-PLAN / Toll-Free / fax fa.smithbarney.com/swsgroup

3 Financial Planning 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 SWS TEAM 3

4 Meet the Professionals Left to right: Jackie Vogelsang, Seth A. Stewart, Tom Zeuthen, Stuart W. Smith, Jessica Kerr, Ryan Cernoch. 4 Morgan Stanley Smith Barney

5 Stuart W. Smith Senior Vice President Wealth Management Corporate Client Group Director Family Wealth Director With more than 20 years experience at Morgan Stanley Smith Barney and predecessor firms, Stuart has the knowledge, resources and tools needed to help guide investors through the necessary financial decisions made throughout their lives. Stuart is a native of Nashville, where he attended Brentwood Academy. In 1983, he graduated from the University of Tennessee with a Bachelor of Arts degree. In addition, he was a two-time NCAA Golf All-American and was a member of the PGA tour in Most notably, Stuart coached the 1978 National Blind Golf Champion, David Meador. Stuart is active in the community, having served on the board of The American Heart Association, The Alumni Council of Brentwood Academy, and is currently President of The Metropolitan County Club Golf Association. Stuart also serves on the Advisory Board for Habitat for Humanity. Stuart and his wife, Lisa, live in Nashville. He has two sons, Jackson and Ross. Tom Zeuthen, CFP Financial Advisor Executive Financial Services Director Thomas V. Zeuthen graduated from the University of Virginia and began his investment career with Asset Preservation Advisors, Inc., a registered investment advisor specializing in fixed income and municipal bond portfolios for high net worth individuals. Tom served as Vice President and Portfolio Manager. In 2000, Tom earned his Certified Financial Planner designation (CFP ) and joined Citigroup in December 2005 following the acquisition of Legg Mason. He provides comprehensive financial planning, working closely with individuals in areas of wealth management, retirement analysis, liability issues, education funding and estate planning. Tom and his wife, Kathryn, have been married for 15 years and have two children, Anna and Thomas. Tom enjoys time with his family and golf. His civic activities include Friends of Children from China, Overbrook Parents Club, St. Henry Church and the University of Virginia Alumni Association. The SWS TEAM 5

6 Seth A. Stewart Financial Advisor Portfolio Manager Ryan Cernoch Financial Advisor Portfolio Manager Seth has over 10 years of experience helping provide for the investment needs of corporations, retirement plans and individuals. Prior to joining Morgan Stanley Smith Barney, Seth began his career as an analyst in mergers & acquisitions with a prominent middle market investment bank in Southern California. As an analyst, he participated in domestic and international mergers and acquisitions, leveraged recapitalizations and management buyouts. As a financial advisor and portfolio manager with Morgan Stanley Smith Barney, Seth provides advisory services to individuals, executives and closely held business owners. Seth received a Bachelor of Business Administration degree in business and Bachelor of Arts degree in French from Mississippi State University. In addition, Seth earned a certificate of international business from the French graduate school, Ecole Supérieure du Commerce. Seth, his wife, and three children enjoy traveling and are active at West End United Methodist Church. After graduating from the United States Military Academy at West Point in 2003, Ryan was commissioned as a Second Lieutenant in the United States Army. Ryan served with the 101st Airborne Division and from 2005 to 2006 served a tour in Iraq supporting Operation Iraqi Freedom. At the completion of Ryan s service to the country, he and his wife, Bethany, moved back to Nashville. In 2008, Ryan began his investment career with Smith Barney, a predecessor firm to Morgan Stanley Smith Barney. He provides holistic financial planning, working closely with clients in the areas of wealth management and retirement planning. In addition, Ryan is licensed in the areas of Life and Health Insurance. Ryan and his wife, Bethany, have been married for three years. They have one son, Luke, and a daughter, Lily. Ryan enjoys hunting, fishing and traveling with his family. Currently, he continues to serve the Tennessee National Guard as the Senior Officer Candidate School Instructor. 6 Morgan Stanley Smith Barney

7 Jessica Kerr Registered Associate Jackie Vogelsang Registered Associate Jessica Kerr is originally from Cleveland, TN, and moved to Nashville to attend Belmont University. While attending Belmont, she was active in several honor societies including Sigma Beta Delta and Alpha Chi and was a member of the Bruin dance team. Jessica graduated Summa Cum Laude with a degree in Finance and was awarded the prestigious Massey Business School Outstanding Student Award. Since joining Smith Barney, now Morgan Stanley Smith Barney, in 2004, Jessica has received her FINRA Series 7 and 63 licenses. Her primary responsibilities include processing client transactions, administrative performance reporting and other client services. Jessica enjoys outside activities and swam competitively for years. She is also involved with her church, enjoys live music and is a big fan of SEC football. Jackie has been in the financial services industry since She has obtained her FINRA Series 7, 63 and 65 licenses and is a member of the National Association of Stock Plan Professionals, NASPP. Her primary responsibilities are assisting restricted persons, stock plan participants and estate issues. Jackie enjoys her horses and has competed locally and in the surrounding states, winning several awards. She is involved in her church activities, is a devoted sports fan and loves to travel The SWS TEAM 7

8 Addressing the Financial Needs of Corporate Executives Morgan Stanley Smith Barney is a recognized leader in providing services for officers, directors and other corporate executives, many of whom need to address regulatory compliance, liquidity, single-stock concentration and diversification matters. Frequent changes in security laws amplify your need for a group of professionals who are experienced in regulatory matters and can provide you with timely, up-to-date answers to deal with fast-changing marketplace conditions. By working closely with you and your personal advisors, we can present you with tailored corporate-executive services that best help you meet your goals: Rule 10B5-1 Trading Plans For options, restricted stock grants and long share positions, allowing insiders to diversify portfolios in an orderly manner. Margin loans To provide individual clients with purpose and non-purpose collateral loans against control and restricted securities. Additionally, company-centric loan programs can be established for multiple executives. Equity Structured Products 1 That create customized hedging, liquidity and yield enhancement strategies for private clients with large stock positions. Corporate And Insider Buyback Programs To provide assistance with both compliance and execution for issuers, affiliated purchasers and other executives who wish to take advantage of the protection afforded by SEC Rule 10b-18, when purchasing their company s shares in the open market. Section 16 notification To assist insiders and their companies with the increased administrative and regulatory responsibilities brought on by the passage of the Sarbanes-Oxley Act. In 8 Morgan Stanley Smith Barney

9 addition, Morgan Stanley Smith Barney s new TradeMinder SM application offers a more automated solution, providing insiders and their companies with a web-based platform to track transaction status and history and expedite the pre-clearance and trade notification processes. As the marketplace grows more complex, regulatory guidance becomes more important. As your Financial Advisors, let us help you make the best-informed decisions about managing your company stock holdings. 1 For stock positions in excess of $2 million. * Diversification does not ensure against loss.

10 Family Wealth Management Life Plan Financial Independence Financial Goals: Statement of Goals and Financial Plans Investment Management: Investment Policy and Manager Selection Asset Allocation: Stocks, Bonds, Cash, Risk Tolerance Tax Planning: Taxable vs. Tax Free Retirement Planning Retirement Plans: 401(k), Beneficiaries IRAs Social Security Healthcare Estate Planning Liability Issues Goal Protection: Life Insurance Review, Corporate vs. Personal Income Protection: Disability Insurance Liability Insurance: Umbrella Coverage Lending Needs: Personal, Business Family Planning College Planning: Child and Grandchild, 529 Plans, Custodial Accounts, Education IRAs Child Living Expenses: Special Needs Parents: Healthcare, Living Expenses, Housing Wills: Health Care POA, Living Will, Durable POA Trusts: Living Trust, Credit Shelter, Special Needs, Generation Skipping, Qualified Personal Residence Trust Heirs: Beneficiary Planning, Annual Gifting, Estate Transfer, Transfer on Death, Asset Titling Charitable Giving: Charitable Trusts, Bequests, Donor-Advised Funds, Legacy Planning 10 Morgan Stanley Smith Barney

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12 Every Investment Begins with a Plan A smart financial plan is your road map to some of life s most important events. Whether you re anticipating the purchase of a new home, a loved one s education or an approaching retirement, you ll need a professional to help you develop a personal financial plan. That s where a Morgan Stanley Smith Barney Financial Planning Specialist can help you to establish the appropriate course of action to help you achieve the financial well-being you seek. The best approach to financial planning, we think, is the personal approach. At the first meeting, you and our Morgan Stanley Smith Barney Financial Planning Specialist will want to get acquainted, examine your current financial standing, and discuss your goals and any future financial needs. Based on the information gathered, our Morgan Stanley Smith Barney Financial Planning Specialist will recommend specific strategies designed to help you reach those goals. Financial Planning Services Our Morgan Stanley Smith Barney Financial Planning Specialist can offer advice in the following areas of financial planning: Retirement Planning: Identify necessary rates of return, savings and contribution amounts needed to reach your retirement goals. Asset Allocation: Review your current asset allocation mix, and provide a custom portfolio based on an assessment of your risk tolerance, goals and time horizon. Education Funding: Assess your current financial situation and analyze your savings requirements for a public, private, graduate or professional school. Employee Stock Options: Evaluate various exercise strategies and provide calculations on the potential taxes and net proceeds for each one. Estate Planning and Preservation: Identify strategies to reduce potential estate taxes and preserve your wealth. 12 Morgan Stanley Smith Barney

13 The Best Time to Start It s never too late, or too early, to begin the financial planning process. The important thing is to get started. After your strategy has been implemented, our team and our Morgan Stanley Smith Barney Financial Planning Specialist will monitor your progress. As your lifestyle and economic status change, it s important to review your financial plan and modify recommendations to reflect your current situation. Our Morgan Stanley Smith Barney Financial Planning Specialist knows the importance of each financial decision you make. Working together, we ll help you focus on your goals, whether they re short-term needs or long-term dreams.

14 The Way We Do Business It Begins with You We believe that the key to securing our clients financial stability is in building and maintaining long-term relationships. A path of open, honest communication and mutual understanding allows us to best help meet our clients changing goals and needs. We are determined to fully grasp your investment objectives and risk tolerance, and will design a comprehensive plan based on a thorough understanding of the client. In addition, our diverse suite of investment instruments enables you to pursue a wealth management policy that is suited to your risk and return profile. Experience and Integrity in Wealth Management Our experienced team seeks to provide our clients with a disciplined, focused approach to wealth management. A commitment to principled investing and firm grounding in values allows us to help meet the expectations of our clients. Furthermore, our years of experience and understanding of your individual needs enable us to grow our relationship by consistently seeking to meet your financial needs and continuously striving to transcend your expectations.

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16 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. Morgan Stanley Smith Barney LLC and its affiliates do not provide tax or legal advice. To the extent that this material or any attachment concerns tax matters, it is not intended to be used and cannot be used by a taxpayer for the purposes of avoiding penalties that may be imposed by law. Any such taxpayer should seek advice based on the taxpayer s particular circumstances from an independent tax advisor. Asset Allocation or Diversification does not guarantee a profit or protect against a loss. 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 Morgan Stanley Smith Barney LLC. Member SIPC /11