The Radcliff Schatzman Group at Morgan Stanley Comprehensive Wealth Management
11 N Water Street Suite 16290, Mobile, AL 36602 251-470-1097 / MAIN 800-624-7814 / TOLL-FREE 678-229-9738 / FAX www.morganstanleyfa.com/theradcliffgroup
The Radcliff Schatzman 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 RADCLIFF SCHATZMAN GROUP 3
Meet the Professionals Left to Right: Hutch Radcliff, Chris Schatzman, Janet Skinner, Sharon Hodges, Marshall Shields, Self Radcliff 4 MORGAN STANLEY
Self Radcliff Investment Management Consultant Senior Vice President - Wealth Management Portfolio Manager Self Radcliff is a Senior Vice President and Portfolio Manager with Morgan Stanley. Self has been providing customized wealth management services since 1992. His team, The Radcliff-Schatzman Group at Morgan Stanley, utilizes a disciplined financial planning process to customize portfolios for High Net Worth individuals and families. His team also advises corporate retirement plans, municipalities, endowments and foundations. Self graduated from The University of Alabama with a Bachelor s degree in Finance. Self, a member of the Board of Directors at St. Paul s School, enjoys the outdoors and spends most of his free time with his family or training for triathlons. Self is married and lives with his wife, Cathy, and three children in Mobile. Hutch Radcliff Corporate Retirement Director Senior Vice President - Wealth Management Senior Investment Management Consultant Hutch Radcliff has served as Vice President of The Radcliff-Schatzman Group in the Mobile, Alabama office of Morgan Stanley since 1994. As a Corporate Retirement Director, Hutch focuses on corporate retirement plan analysis, design, and implementation. As a Senior Investment Management Consultant, Hutch advises municipalities, foundations and endowments. Hutch is a board member of Bayside Academy, Point Clear Polo Foundation, and chairman of the USA Mitchell Cancer Research Institute Development Board. Hutch graduated from the University of Alabama with a degree in Marketing and currently resides in Fairhope with his wife Elizabeth and three daughters. Christopher Schatzman Financial Planning Specialist Vice President Financial Advisor Chris Schatzman is a vice president, financial advisor and financial planning specialist in the Mobile, Alabama office of Morgan Stanley Smith Barney with over 35 years of experience in private business and financial services. Chris provides high net worth individuals, private business owners, multi-generational families, and institutions with comprehensive wealth management solutions, which includes financial, educational, retirement, and estate planning services. Chris is a graduate of Springhill College in Mobile and a member of St. Paul s Episcopal Church. Chris enjoys playing golf, running, and spending time with his wife Mary Lynne and their two children. THE RADCLIFF SCHATZMAN GROUP 5
Marshall Shields Financial Planning Specialist Financial Advisor Marshall Shields has served as a financial advisor and financial planning associate with The Radcliff- Schatzman Group at Morgan Stanley since 2009. On the team, Marshall is responsible for conducting group meetings and one-on-one consultations with retirement plan participants, as well as preparing financial plans for individual clients. Marshall graduated from The University of Alabama with a Bachelor s degree in Finance. He has served as president of Rotaract of the Mobile Bay Area and Chairman of the Exploreum Junior Advisory Board. He serves on the Vestry at St. Paul's Episcopal Church, enjoys the outdoors and spends his free time hunting and fishing. He resides in Mobile with his wife, Allison. Janet Skinner Senior Client Service Associate Janet Skinner has been the Senior Client Service Associate with The Radcliff Group since 1995. Janet s responsibilities on the team include handling client questions, documentation and data entry for both individual clients and retirement plan participants. Janet enjoys the outdoors, gardening and spending time with her family. Janet has two children and lives in Satsuma with her husband, Larry. Sharon Hodges Client Service Associate Sharon Hodges serves as Client Service Associate with The Radcliff- Schatzman Group and is the newest addition to the team! Sharon has been at Morgan Stanley for over 15 years. Her responsibilities on the team include generating client documents, managing funds transfers, facilitating client check requests and responding to client needs. Sharon resides in Spanish Fort where she enjoys the outdoors, dining and entertaining. 6 MORGAN STANLEY
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. 8 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 banking and cash management needs. MORGAN STANLEY 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. 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.
Start the Conversation We are dedicated to providing you with the strategies and resources that can help you achieve your retirement goals in today s changing financial environment. The Retirement Standard is meant to help connect all the pieces of your financial life with a comprehensive plan of action designed to put you on a path to the retirement you envision. Every plan comes with our commitment to work with you over time to be sure you stay on track. 10 MORGAN STANLEY
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. 2013 Morgan Stanley Smith Barney LLC. Member SIPC. 1882036 09/2013 CRC 673534