The Breakwater Group at Morgan Stanley

Transcription

1 The Breakwater Group at Morgan Stanley

2 Breakwaters Protect Anchorages From the Effects of Extreme Weather. The Breakwater Group at Morgan Stanley functions much the same way, guarding and guiding our clients through the uncertainties of today s dynamic marketplace. Managing your wealth involves far more than managing a portfolio. It begins with 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 your long-term goals. As Financial Advisors, we take great pride in the relationships we have with our long-term clients. We hope you will come to regard us as a trusted resource-professionals who help you make an informed decisions about any financial issue you and your family may encounter. Advising Individuals and Families, Private Businesses and Nonprofit Organizations. Individuals and Families We begin each relationship by listening so we can understand the unique needs and goals of each client. A customized, integrated life plan and clear asset management strategy allow us to help successful individuals and families grow, monitor and ultimately pass on their wealth. Private Businesses Our experience helps us serve the broad planning, retirement and asset management needs of business owners and families. We actively guide our clients to help them establish, grow and ultimately transition their business to future generations. Organizations Today s institutional investors must develop appropriate strategies and repeatable processes in an increasingly complex world. Our team can help lead your organization through the planning and execution required to properly manage organizational assets. 2 MORGAN STANLEY

3 Our Sense of Purpose comes from the faith our clients place in us. We help individuals, families and businesses protect their wealth and achieve their dreams. We Believe that the capital markets provide one of the most efficient ways to grow their wealth over time. Additionally, we believe that professional management provides our clients with superior access, insight and guidance to grow their net worth and achieve financial freedom. We Invest each portfolio according to clear, written objectives established through our planning work with each client. A client s time horizon, investment experience, income needs, risk tolerance and growth goals all inform our recommendations. We Gain Insight from our firm s specialized strategists, analysts, Consulting Group and Global Capital Markets department to find prudent investments for each client. Coupled with the guidance of Morgan Stanley s deep intellectual capital, our personal insight is used to build and refine client portfolios. We Understand that fees are an important consideration for all investors. Our practice is built on a registered investment advisor, fee-based account management platform with a legal fiduciary obligation to provide prudent investment advice to clients. We believe this model best aligns us with our clients long-term interests. THE BREAKWATER GROUP 3

4 With an experienced professional and the right resources, reaching your most important goals can be less challenging and more rewarding. Advanced Planning Setting a Confident Course The most important step in establishing a path to your goals is a thorough, thoughtful planning process that analyzes where you are and where you want to go. You need a wealth plan that is uniquely your own. / Balance Sheet Analysis / Retirement Planning / Education Planning / Estate Planning and Multi-Generational Planning / Business Succession Planning Asset Management Managing the Rewards of Success Managing an investment portfolio should be a consultative, disciplined process that considers your personal investment goals and a careful analysis of the financial markets. You can rely on us for objective, strategic advice in structuring your portfolio. / Asset Allocation and Investment Management / Traditional Investments / Alternative Investments / Separately Managed Accounts / Private Banking Services / Business Retirement Plans (401(k), SEP IRA, etc) Service and Communication Building Long-Term Loyalty We understand that clients are the reason our practice exists. Personal client service is something we live, breathe and practice day in and day out. / Local Team and Support Resources / Scheduled, Proactive Communication / Robust Online Access and Reporting / Signature Ready Documents / Educational Events and Seminars / Multi-Advisor Coordination 4 MORGAN STANLEY

5 The Six Pillars of a Comprehensive Plan FINANCIAL PLANNING & MANAGEMENT RISK MANAGEMENT RETIREMENT PLANNING MULTI- GENERATIONAL PLANNING ESTATE PLANNING BANKING & LENDING Life Goals Goal Protection Retirement Plans College Planning Wills and POA Commercial Lending Access Quality of Life Goal Statements Personal Values Life Insurance Review Long Term Care Review 401(k) IRA s Beneficiary Reviews 529 Custodial Accounts Healthcare POA Durable POA High Net Worth Personal Credit Asset Allocation Risk Tolerance Investing Style Time Horizon Income Protection Disability Insurance Social Security Benefit Planning Contingency Plans Parents Living Expenses Housing Time Commitment Trusts Living Credit Shelter ILIT Securities Based Lending Access Margin Express Credit Portfolio Loan Investment Management Liability Insurance Healthcare Longterm Care Child Living Expenses Heirs Gifting Real Estate Lending Research Security Selection Rebalancing Umbrella Coverage Medicare Special Needs Asset Tilting Asset Transfer Home Mortgage Access Home Equity Loan Access Tax Planning Business Owners Business Owners Advisor Coordination Charitable Giving Taxable / Tax Free Year End Planning Cross Purchase Key Man Insurance Business Succession Executive Comp CPA Attorney Charitable Trusts Bequests Defined Benefits THE BREAKWATER GROUP 5

6 The Breakwater Group Albert E. (Ted) Gibbons Jr. Senior Vice President Investments Financial Advisor Ted started in the investment business at F.S. Moseley in After training in Boston for nine months, he moved back to Maine to open a new office for the firm. In the 50+ years since then, F.S. Moseley merged with various firms to become the modern Morgan Stanley. Ted is a 1958 Bowdoin College alumnus and has been active as a member of the college s board of overseers, President of the Bowdoin Alumni Association, a past president of the Bowdoin Rowing Association and various other college groups. He is a member of the Portland Country Club, a past president of the board of the Boys and Girls Club of Southern Maine, a former head of the investment committee of United Way of Greater Portland and has been involved with various other civic organizations. Ted has three grown children and eight grandchildren. He lives with Candy, his wife of over 45 years, in Sarasota, Florida, and Bridgton, Maine albert.e.gibbons@ms.com Bill Legge Financial Advisor Bill began his career in the Investment Service department of Chase Manhattan Bank. After over a decade on Wall Street as a portfolio manager, account executive and partner, he, his wife, Gail, and four children moved to Maine. Bill co-founded Pointer Boats in Yarmouth. Returning to the investment business in 1984, he joined Ted Gibbons at Moseley Hallgarten, Estabrook & Weeden, which eventually led to Morgan Stanley Wealth Management. Bill is a graduate Norwich University and attended NYU School of Finance. He is a past president of the Center for Grieving Children, a former chairman of the board at Maine Island Trail and a current board member of the Maine Lighthouse Corp william.r.legge@ms.com Gary R. Bergeron, CRPS Vice President Senior Portfolio Manager Prior to joining Morgan Stanley in 2009, Gary spent over a decade at L.L. Bean, Inc., in roles as a merchant and strategic planner for the $1.5 billion company. He successfully managed business units with roughly $100 million in annual revenue. Gary graduated from Colby College with a B.S. in administrative science and a minor in economics. He was a scholar athlete, winning multiple academic awards and two NESCAC basketball championships. Gary s professional experience helps him work with business owners, oversee business strategy and lead business development. After learning from many of the best service professionals in the world during his time at L.L.Bean, Gary is passionate about taking care of clients and helping them make prudent financial decisions. Gary is a Vice President and Director of the Boys and Girls Club of Southern Maine and a member of the Investment Committee for the Catholic Foundation of Maine. He is a founding member and past treasurer of the Yarmouth Education Foundation. Gary lives in Yarmouth, Maine, with his wife, Laura, and their two children, Henry and Annie gary.r.bergeron@ms.com 6 MORGAN STANLEY

7 Kris Noble Consulting Group Analyst An experienced professional with Morgan Stanley since 2000, Kris focuses on delivering investment due diligence, risk-reward analysis and investment manager analysis to a select group of clients. He received his Consulting Group Analyst designation in 2004 and continues to design, implement and monitor portfolios to help clients achieve their long-term goals. Kris currently holds his Series 7, 63, 65 and insurance licenses. Born and raised in Maine, Kris graduated from the University of New Hampshire with a Bachelor of Science in business administration and a minor in finance. He and his wife, April, and daughters, Sydney and Ava, reside in Limington, Maine. When out of the office, Kris enjoys coaching his children s sports teams and stays active in health and fitness. Shannon Moore Client Service Associate Shannon is an innovative, solutionsdriven professional with over 16 years of business experience, most recently in health care administration. She has strong organizational and analytical abilities complimented by a friendly, clientfocused style. Shannon is generally the first point of contact for our valued clients and manages the critically important administrative responsibilities for the team. Shannon was born and raised in Maine and holds an Associate of Science in business administration from Husson College. She is a certified business analyst and certified performance consultant. She lives in Scarborough with her son, Carter. In her time away from the office, she enjoys sea glass hunting and is an avid New England sports fan shannon.moore@ms.com kristoffer.a.noble@ms.com THE BREAKWATER GROUP 7

8 100 Middle Street Portland, Maine / MAIN morganstanley.com/fa/thebreakwatergroup Diversification does not guarantee a profit or protect against a loss. 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. 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. Portfolio Loan Accounts are provided by Morgan Stanley Bank, N.A. All credit facilities are subject to the underwriting standards and independent approval of Morgan Stanley Bank, N.A. Portfolio Loan Accounts may not be available in all locations. Rates, terms and programs are subject to change without notice. To be eligible for a Portfolio Loan Account, applicants must have a brokerage account at Morgan Stanley Smith Barney, which shall serve as collateral for the Portfolio Loan Account. Portfolio Loan Account is contingent on the client maintaining sufficient eligible collateral. The proceeds from a Portfolio Loan Account may not be used to purchase, trade, or carry margin stock. Tailored Lending is offered by Morgan Stanley Private Bank, National Association an affiliate of Morgan Stanley Smith Barney LLC. All Tailored Lending credit facilities are subject to the independent approval by Morgan Stanley Smith Barney Bank, National Association. Rates, terms and conditions are subject to change without notice. References to Tailored Lending herein have been issued for marketing purposes only and should not be construed as a commitment to lend. Other restrictions may apply. Morgan Stanley Private Bank, National Association. Sufficient collateral must be maintained to support your client s loan(s) and to take future advances. The client may have to deposit additional cash or marginable securities on short notice.. Some or all of your client s securities may be sold without prior notice in order to maintain account equity at required collateral maintenance levels. Morgan Stanley Smith Barney or its affiliates (the Firm) reserves the right not to fund any advance request due to insufficient collateral or for any other reason. The Firm can increase your client s collateral maintenance requirements at any time without notice. Investment services are offered through Morgan Stanley Smith Barney LLC, member SIPC. Unless specifically disclosed in writing, investments and services offered through Morgan Stanley Smith Barney are not insured by the FDIC, are not deposits or other obligations of, or guaranteed by, the Bank and involve investment risks, including possible loss of principal amount invested. Morgan Stanley Home Loans are made by Morgan Stanley Private Bank, National Association, an Equal Housing Lender, not Morgan Stanley Smith Barney LLC. The loans referenced herein are made by Morgan Stanley Private Bank, National Association. A Morgan Stanley Smith Barney LLC investment relationship does not have to be established or maintained to obtain the products or services offered as part of the Morgan Stanley Home Loans program. All mortgage loans are subject to the underwriting standards and independent approval of Morgan Stanley Private Bank, National Association. Rates, terms and programs are subject to change without notice. Residential mortgage loans may not be available in all jurisdictions and are limited to U.S. citizens and permanent resident aliens only. Residential mortgage loans are not available in Guam, Puerto Rico and the Virgin Islands. Proceeds from mortgage loan transactions including initial draws and advances from HELOCs are not permitted to be used to purchase, trade or carry securities, repay margin debt or to make payments on any amounts owed under the Note or HELOC loan agreement. Morgan Stanley Smith Barney LLC Westchester Avenue, Purchase, NY Tel: Nationwide Mortgage Licensing System Unique Identifier No Arizona Mortgage Broker License No California Department of Corporations Finance Lenders Law License No. 603H431. Georgia Residential Mortgage Licensee No Kansas Licensed Mortgage Company No. MC Massachusetts Mortgage Broker License No. MB5439. Montana Mortgage Broker License No Licensed by the New Hampshire Banking Department. Licensed by the New Jersey Department of Banking and Insurance. Registered Mortgage Broker NYS Banking Department. Ohio Mortgage Broker Act Certificate of Registration No. MB Rhode Island Licensed Loan Broker. Mortgage brokers may not make loans. 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 agreed to in writing by Morgan Stanley. 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. The views expressed herein are those of the author and do not necessarily reflect the views of Morgan Stanley Wealth Management or its affiliates. All opinions are subject to change without notice. Neither the information provided nor any opinion expressed constitutes a solicitation for the purchase or sale of any security. Past performance is no guarantee of future results. The individuals mentioned as the Portfolio Management team are Financial Advisors with Morgan Stanley participating in the Morgan Stanley Portfolio Management program. The Portfolio Management program is an investment advisory program in which the client s Financial Advisor invests the client s assets on a discretionary basis in a range of securities. The Portfolio Management program is described in the applicable Morgan Stanley ADV Part 2, available at stanley.com/ ADV or from your Financial Advisor Morgan Stanley Smith Barney LLC. Member SIPC. CRC CS /17