The Milestone Group at Morgan Stanley

Transcription

1 The Milestone Group at Morgan Stanley

2 4300 East 53rd Street Suite 300, Davenport, IA / MAIN / TOLL-FREE / FAX msmilestonegroup@morganstanley.com

3 Welcome Whether you re a busy executive, a business owner, a retiree, or a second-generation family member of our longterm clients, our goal is to earn your confidence not only through the quality of investment solutions we present to you, but also through the excellence with which we deliver them to you. Our group has over 100 years of combined experience in the investment industry. We believe that working as a team not only provides you with access to a broad array of solutions, but it also helps to ensure that you will benefit from the highest level of service. While each of our group members offers distinct, but complementary skills and perspectives, we also share a commitment to responding to your investment needs promptly, professionally, and thoroughly. THE MILESTONE GROUP 3

4 Meet the Professionals Front L-R: Tawny Stoffregen, Chris Agnew, Carol Dale. Back L-R: Brennan Hawley, Amanda Moorman, Martin Hawley, Gary Hewitt, Darrell Henricksen, Megan Delcourt, Clint Allaman 4 MORGAN STANLEY

5 Christopher Agnew Portfolio Management Director Senior Vice President Financial Advisor Chris considers every client relationship to be unique and he takes great pride in his team s ability to tailor investment portfolios to match each client s individual needs. Chris believes in exceeding his clients expectations. His mission is to help them grow their personal and business interests into portfolios of wealth. He is passionate about helping people achieve their objectives, whether it be setting up their own retirement income plan or securing the educational future for a child or grandchild. Chris enjoys getting to know his clients and their families, building lasting relationships that extend beyond traditional office hours. He has robust fact finding meetings with his clients in order to uncover any blind spots that may exist regarding a client s finances. His strong focus on client service means that the team s clients experience a collaborative process one that helps to maintain focus on the most important things in life. A native Iowan, Chris graduated from Iowa State University with a degree in Business Administration. After college, he was recruited into a management training program for a large retail corporation and spent eight years in management at a variety of retail and industrial companies. In 1981, he joined Merrill Lynch and for the last thirty years he has been applying his management and people skills to helping people build strong financial futures. Married for over forty years, Chris and his wife have two daughters and seven beautiful grandchildren. They established and are actively involved in a non-profit organization focused on melanoma research in honor of their late son Tad. Chris is deeply committed to his volunteer and outreach work in his church, The American Heart Association, and several other charitable organizations in the Quad Cities. THE MILESTONE GROUP 5

6 United Way and Junior Achievement. In his free time, he enjoys golf, fly fishing, travel and working out. Martin Hawley, CLU, ChFC First Vice President Financial Advisor Marty has worked in the financial services industry since He began his career as a Financial Advisor with Merrill Lynch, fulfilling his desire to provide clients with exceptional service and investment advice. Marty joined Morgan Stanley in With an extensive background in financial planning, Marty focuses on portfolio design, manager selection and alternative investments. Marty is a lifelong resident of Davenport, Iowa. He earned his Bachelor of Business Administration degree in Finance from The University of Iowa. He and his wife, Barb, are proud parents to their daughter, Andrea, and son, Brennan, who has joined the Morgan Stanley team. Marty remains active in his community, volunteering for the 6 MORGAN STANLEY

7 Darrell Henricksen, CFP, CRPC Senior Portfolio Manager Vice President Financial Advisor Darrell is a CERTIFIED FINAN- CIAL PLANNER with over 20 years experience in the investment industry. He works with clients on all aspects of financial planning, providing services that include fee-based financial planning, risk management, wealth accumulation and distribution strategies. After earning a Bachelor of Science in Finance from the University of Iowa, Darrell became a financial analyst with boutique investment bank, Kasten Group, in St. Louis. He moved back to Iowa in 1996, joining Merrill Lynch, and partnering with Chris Agnew. Darrell completed the rigorous academic requirements to obtain the significant designation of Certified Financial Planner (CFP ) in The CFP designation recognizes a combination of substantial practical financial planning experience, the completion of a comprehensive and highly specialized educational program. With his background in financial analysis, financial planning, and retirement planning, Darrell provides individuals and families with a high level of custom financial solutions to help preserve and protect their assets. His skills, experience and designations help clients navigate through the maze of complex financial issues that are unique to retirement and life transitions. Married for over twenty years, Darrell and his wife have three daughters. He is active in his church, providing congregational care by serving in multiple leadership roles. He and his wife Susan are very involved with Lydia Home Association and Safe Families for Children (SFFC), an organization which offers sanctuary to thousands of children, minimizing the risk for abuse or neglect and giving parents the time and tools they need to help their families thrive. Through SFFC, Darrell and his family open their home many times throughout the year to offer a safe haven to children. THE MILESTONE GROUP 7

8 Gary Hewitt, CLU Vice President Financial Advisor Gary Hewitt, CRPC,CLU, has over 25 years experience. He has provided highly customized advice and investment solutions to high net worth individuals and families. Gary demonstrates a genuine concern for discovering client needs and then building globally diversified portfolios designed to meet their unique objectives. After earning a Bachelor of Business degree in finance from Western Illinois University, Gary worked in a retail management position before beginning his career in Financial Services at John Deere Insurance in Following a 12- year career at regional investment firm Piper Jaffray, Gary joined Merrill Lynch in 2006 to partner with Chris Agnew and Darrell Henricksen. Gary has earned the designation of Chartered Retirement Planning Counselor (CRPC). His extensive experience allows him a unique perspective to provide solutions to help meet current investment needs while also designing wealth accumulation and transfer strategies to benefit future generations. Gary deeply values his client relationships, and he is passionate about listening to his clients needs. He strives to understand what s most important to each of his clients and helps them develop the right solutions in an effort to achieve their goals. Married for over 30 years, Gary and his wife, Tammy, have two grown children. An avid sports fan, Gary most enjoys basketball, water and snow sports. He enjoys spending as much time as he can with his grandchildren. Gary is active in his church; he has served in numerous youth leadership and mentoring roles. He has served as president of the Fellowship of Christian Athletes, currently serves on the board for Dare to Be Different marriage ministry and is also very involved with Lydia Home Association and Safe Families for Children. 8 MORGAN STANLEY

9 Clint Allaman Financial Advisor Clint Allaman is a Financial Advisor with The Milestone Group. He focuses on the development and implementation of investment strategies and retirement plans for active professionals, high net worth individuals and business owners. Clint earned a Bachelor of Science in Argonomy from Western Illinois University and a Master of Business Administration from St. Ambrose University. Prior to joining Morgan Stanley in 2012m he spent 15 years working in corporate business; the majority with John Deere. In 2015 Clint partnered with Chris Agnew, Darrell Henricksen and Gary Hewitt as Financial Advisors. Clint s professional and educational experience, combine for a perspective that resonates well with active professionals and those tied to, or interested in, agriculture. He brings a new perspective to the team. Clint has been instrumental in bringing a new approach to financial planning to our clients. He has an in depth fact finding meeting with clients and uses a distinct strategy to gather the information needed to design an investment plan tailored to fit their goals. Clint utilizes this investment plan to help the clients navigate through the decision making process when it comes to their financial future. Clint and his wife, Chelsey, have three children and reside in Bettendorf, Iowa. He enjoys spending time with his family and outdoor activities. THE MILESTONE GROUP 9

10 Brennan Hawley, CFP Financial Advisor Brennan is a CERTIFIED FINAN- CIAL PLANNER with the Milestone Group. He has worked in the financial services industry since Prior to joining Morgan Stanley, he spent over three years working for the Federal Government. Brennan has a passion for helping others and strives to help individuals and families achieve their financial goals. His areas of concentration include portfolio design, tax-efficient investing, and comprehensive financial planning. Brennan earned his Bachelor of Business Administration degree in Finance from The University of Iowa. Upon graduation, he accepted a job with the Department of Defense where he filled multiple roles over several years. In an effort to build on his education, he returned to school where he earned an MBA with a concentration in Finance from The University of Iowa. He has been a financial advisor with Morgan Stanley since Having a desire to help clients with more complex financial planning cases, Brennan completed the rigorous academic requirements to obtain the designation of CERTIFIED FINANCIAL PLANNER TM (CFP ). The CFP designation recognizes a combination of substantial practical financial planning experience, the completion of a comprehensive and highly specialized educational program, and the demonstration of realworld applications of the core competencies. Married for over five years, Brennan and his wife, Jaclyn, reside in Bettendorf, Iowa and have a daughter and are expecting another daughter in the fall of In his free time, Brennan enjoys running, reading, traveling, and spending time with his family. He is a member of St. John Vianney Church, the Young Professionals of the Quad Cities, and is actively involved with Junior Achievement. 10 MORGAN STANLEY

11 Amanda Moorman Financial Advisor Amanda is a Financial Advisor with the Milestone Group at Morgan Stanley. She takes a deep dive approach to understanding clients financial objectives. Her focus is on fully understanding clients needs, so she can provide customized, comprehensive financial solutions. Amanda has passion for helping others, so she is thrilled to be working in an industry where she can leverage her financial knowledge to help clients achieve their wealth planning goals. Amanda joined Morgan Stanley Wealth Management in 2016 and works in the downtown Des Moines office. Prior to joining Morgan Stanley, Amanda worked as a Financial Analyst for John Deere for 7 years. She held various corporate finance roles in Kansas City, Moline, IL, and Johnston, IA, working with debt, derivatives, and insurance. Amanda received a Finance degree from Wartburg College in She also received an MBA in Finance and Economics from the University of Chicago: Booth School of Business in Amanda and her husband, Justin have two children and reside in Ames, Iowa. Amanda currently serves on The Ames Foundation Board, Wartburg College s Leadership National Advisory Board, and on the Stewardship Committee for Ames Ascension Lutheran Church. THE MILESTONE GROUP 11

12 Megan Delcourt Registered Associate Megan Delcourt is a Registered Associate with The Milestone Group at Morgan Stanley. A native to the Quad Cities, Megan graduated from Washington University in St. Louis, Missouri with a Bachelor of Science degree in Business Administration. After graduation, she worked in Chicago as an operations and financial analyst at the Chicago Sun Times, and moved back to the Quad Cities in 2010 to take the position of a commercial credit analyst with Quad City Bank & Trust. In that capacity, Megan evaluated the financial health of businesses, examining their balance sheets and cash flow statements in order to underwrite business loans. She discovered that she preferred more customerrelated interactions, so she obtained her securities license and began working as a registered sales assistant. In 2011, Megan joined the investment firm of Robert W. Baird & Co. to gain more direct investment experience, and was recruited to the team of Agnew, Henricksen & Hewitt & Associates at Morgan Stanley in February As part of the team, Megan assists clients with a myriad of transactional needs that arise on a daily basis. She has a broad understanding of the complex compliance rules that surround investments, and is able to help clients navigate the paperwork involved with their portfolios. Megan enjoys connecting with clients. She extends to them the same kind of courtesies and level of personal care as if they were family. Outside of work, Megan continues her passion for volleyball that helped Washington University earn a national championship title during her freshman year. She plays in an adult league and has been the club coach for a traveling team over the past five years. 12 MORGAN STANLEY

13 traveling and spending time with her grandchildren. Carol Dale Registered Associate Carol has been a Registered Associate at Morgan Stanley for 12 years and has worked in the Financial Services industry for more than 30 years. Prior to joining Morgan Stanley in 1996, Carol worked in the banking industry. She joined Morgan Stanley as a wire operator and cashier then became the Assistant Operations Manager before becoming a Registered Associate with Martin Hawley. Carol focuses on providing the highest level of service for each client of The Milestone Group. She enjoys getting to know our clients and their families and building lasting relationships with them. Carol is a native of the Quad Cities she resides in Bettendorf, Iowa. She has four grown children and three grandchildren. Carol enjoys walking, running, participating in local races, THE MILESTONE GROUP 13

14 Tawny Stoffregen Senior Registered Associate Tawny Stoffregen is a Senior Registered Associate with The Milestone Group at Morgan Stanley. A member of the team since 2010, Tawny obtained her securities licenses after graduating with a Bachelor s of Business Administration degree in Finance from the University of Iowa. She has a long track record of helping clients in fast-paced and highenergy environments. Her primary focus now is on providing first-class client service and strategic operational and administrative support to The Milestone Group clients. Tawny is the point person for the team s concierge services. She is extremely organized and enjoys assisting clients with a wide variety of administrative needs. Her disciplined approach allows the team to remain proactive with their clients. Tawny worked at Citigroup Asset Management in Chicago after college and then moved to Bettendorf, Iowa in She worked at Smith Barney until 2008, with a three-year stint in the middle as a marketing director at Humana. She joined Agnew, Henricksen, Hewitt & Associates at Merrill Lynch in 2010 and moved with them to Morgan Stanley in Tawny and her husband, Nate are kept very busy with four children and reside in Bettendorf, Iowa. Tawny serves on the Board of the Future Lady Knights and also volunteers a lot of her time to Home and School at her children s school St. Paul the Apostle. 14 MORGAN STANLEY

15

16 Developing Your Wealth Management Strategy Individuals work hard to build wealth in pursuit of a meaningful life for themselves and their family. 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 by accessing the resources and perspective of one of the world s largest financial firms. Before our team offers specific advice, however, we must understand who you are and what you want your wealth to accomplish. Working with you, we will complete a four-step process: 1 Setting your financial objectives We will begin our relationship by listening discussing a range of topics related to your financial needs and investment objectives: long-term life goals and expectations, possible major purchases, and legacy and charitable goals, if you have them. We will discuss your current financial resources, your time horizon for various goals, your tolerance for risk even how your liabilities are structured. If you own a business, we also might discuss your current lending and cash management needs and plans for growth. 2 Developing your wealth management strategy Based on your input, our advice will likely help address income and retirement planning, asset protection, investment management, strategic borrowing, wealth transfer and business succession. Of course, your plan will include an asset allocation strategy designed to help achieve your financial goals in light of your risk tolerance and investment time horizon. 16 MORGAN STANLEY

17 3 Implementing your strategy After we have discussed and refined your strategy, the team works closely with you to bring the elements to life. Should we decide together that outside money managers are appropriate for you, we will draw on in-depth 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, the team will help you keep your strategy on track. 4 Reviewing your performance You will receive a quarterly review that outlines your portfolio s performance, helping you track progress toward your objectives. Moreover, when your personal situation or market conditions change significantly, we can suggest appropriate adjustments to your portfolio to help it remain aligned with your goals. 17

18 Our Commitment to You Preserving wealth and mitigating financial risk isn t just about knowing the numbers, it s about knowing you. Each member of The Milestone Group is dedicated to providing unparalleled client services. We maintain a manageable number of client relationships and offer advice that extends far beyond investing to encompass both sides of your personal balance sheet, both asset and liability management, and every aspect of your finances. Our clients will tell you that they receive personal care from us, that we celebrate all the joys and sorrows of life together with them, and we ensure their needs are understood and cared for. We know you have many choices when it comes to selecting a financial advisor. Our diverse, comprehensive and complementary backgrounds in investments, analysis, insurance and lending services, coupled with our commitment to client service, have resulted in deeply rewarding, long-term relationships with our clients. We invite you to become one of them. 18 MORGAN STANLEY

19

20 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 the Internal Revenue Code or otherwise) with respect to the services or activities described herein except as otherwise provided in writing by Morgan Stanley. Individuals are encouraged to consult their tax and legal advisors regarding any potential tax and related consequences of any investments made under such account. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters. Life insurance, disability income insurance, and long-term care insurance are offered through Morgan Stanley Smith Barney LLC's licensed insurance agency affiliates. 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. 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 investor's individual circumstances and objectives Morgan Stanley Smith Barney LLC. Member SIPC /2017 CRC