www.morganstanleyfa.com/ thepeaceriverteam
For our team, retirement planning means more than providing our clients with investment advice. It means helping them maintain the financial independence they ve worked their whole lives to achieve. It means striving to ensure they have the means to pursue what s most important to them. And it means understanding them as people with unique goals, values and circumstances that determine the strategies our team develops on their behalf. Our consultative process begins with an in-depth discussion of your current finances and future objectives. We ll address issues you might have overlooked that can have a significant impact on your ability to retire as planned. Finally, we ll determine how we can help you adjust your investment strategy as necessary to accommodate changing conditions and meet any unforeseen expenses and income demands that may arise during retirement.
Meet the Professionals Thomas Cappiello Senior Portfolio Manager Senior Investment Management Consultant Vice President Financial Advisor Tom began his career with Smith Barney* in 1999. From the outset, he has focused his practice on implementing wealth-management strategies for affluent retirees. He works closely with clients to help them define financial goals and objectives and tailors his advice to meet the client s individual needs and tolerance for risk. Tom is committed to establishing longterm relationships with people he likes personally and who are equally committed to working with him. Tom is a 1978 graduate of The George Washington University with a B.A. in East Asian Affairs and Economics, and The Pennsylvania State University, where he earned his M.B.A. in 1984. After completing graduate school, Tom worked for Arthur Andersen & Co. in Tokyo, where he was involved in providing investment advice to Japanese companies seeking to expand abroad. In 1994, Tom left Andersen to pursue his own technology start-up venture in Tokyo. He sold that business in 1998 and returned to the US with his family, settling in Punta Gorda, Florida. Tom and his wife Yoko have been married since 1981 and have three grown daughters. Tom has been actively involved in a variety of local charities. He is a 2005 graduate of Leadership Charlotte. *A predecessor firm of Morgan Stanley Smith Barney
designation conferred on financial professionals who meet a series of rigorous educational requirements and successfully meet examination and ethics requirements. Away from the office, Eric serves as a member of the Board of Directors for AMI Kids Crossroads, a foster group home for difficult to place boys. In 2013 Eric was appointed by Governor Rick Scott to serve on the Edison State College Board of Trustees. Eric also serves on the Charlotte County Value Adjustment Board, Murdock Village Advisory Committee, and was formerly on the board of advisors for OneBlood. Eric is married to his wife, Jennifer, and has three children. Eric Loche, CFP Senior Portfolio Manager Vice President Financial Advisor Eric Charles Loche, CFP, is a Vice President and Financial Advisor with The Peace River Team at Morgan Stanley. Eric is dedicated to helping clients achieve their financial goals by gaining an understanding of their needs, offering sound investment advice, and a level of personal service commensurate with the high standards he has developed over his twenty year career in the financial services industry. Eric joined Morgan Stanley in 2014 after working for Wells Fargo and its predecessor firms. Eric earned two bachelor degrees from California State University at Chico. He is a certified financial planner, a
Stanley, Ryan is a Certified Financial Planner, having completed the requirements for certification in 2012. Ryan has been devoted to helping clients create and implement financial plans, advising on investments and counseling clients on a variety of personal and business financial issues. Ryan lives in Punta Gorda, Florida with his wife, Megumi, and son Jachin. He continues to be deeply involved in the community. He serves on the board of the Harbour-Heights Peace River Rotary, where he was Past- President. Ryan Rupert, CFP Financial Advisor Ryan is a native of the Pittsburgh, Pennsylvania area. He attended Ohio University in Athens Ohio earning a Bachelor of Business Administration degree in Finance and Business Economics. Immediately after completing his degree, Ryan spent two years working in Tokyo, Japan. He returned to the U.S. to pursue a career as a financial advisor. While relocating to the U.S. Ryan came to visit family living in Southwest Florida and decided on this beautiful place to live and work. Ryan joined Morgan Stanley in 2007 and was one of the original members of what is now known as The Peace River Team at Morgan
Astra Lindholm Registered Client Service Associate Astra is The Peace River Team's Series 7 licensed Client Service Associate. Prior to joining Morgan Stanley in 2012, Astra had a 23 year career in banking with State Bank of Illinois, working her way up to Vice President of Operations. During her years in banking her duties included personal banker, branch manager, accounting operations manager and human resource manager. Astra moved to Florida in 2011 from the suburbs of Chicago to enjoy the warm weather and Florida lifestyle. Astra attended Robert Morris College, is married to her husband, Tom, and has two grown sons.
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 4 Reviewing objectives and performance 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 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, we will help you keep your strategy on track. 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.
Introducing Portfolio Management Since 1979, the Portfolio Management Group at Morgan Stanley has been creating customized investment strategies for high net worth individual and institutional clients. Our portfolio managers are a group of Financial Advisors who are qualified by the firm to manage client assets based on training, experience and commitment to client service. Each client portfolio in the Portfolio Management program is designed and managed on a fully discretionary basis by your Financial Advisor to help you meet you specific needs. You will find that The Peace River Team's experience, training and investment philosophy provide significant guidance - both in managing your portfolio and in helping you understand investment risk; while keeping your long term goals in view. The Portfolio Management program is defined by: Personalized Portfolios The Peace River Team will work with you to identify an investment strategy geared to meet your needs. Client Focus -- Each account is individually managed to help you meet your requirements for growth, income and preservation of capital within your risk tolerance. Comprehensive Communications Throughout your relationship, you'll have direct access to the investment professional managing your portfolio. l Asset Based Fee -- Fees for the program are based on the asset level in the account, not on the number of transactions performed in a given period.
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