The Caiazzo Mento Group at Morgan Stanley
1200 LENOX DR., STE 300 LAWRENCEVILLE, NJ 08648 609-844-7923 / MAIN 800-659-0650 / TOLL-FREE 609-844-7950 / FAX www.morganstanleyfa.com/caiazzomentogroup rick.caiazzo@morganstanley.com andrew.j.mento@morganstanley.com anne.blessing@morganstanley.com robert.harrison@morganstanley.com
The Caiazzo Mento 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 CAIAZZO MENTO GROUP 3
Meet the Professionals Andrew J. Mento and Rick Caiazzo 4 MORGAN STANLEY
Enrico "Rick" Caiazzo, CFP Portfolio Management Director Executive Director Financial Advisor With over 30 years of experience in the financial services industry, Rick uses his skills and knowledge to develop and implement ongoing portfolio management to help clients pursue their personal financial goals. Since he began his advisory career in 1984, Rick has developed a detailed understanding of the financial markets and their practical applications. By leading a comprehensive wealth management team, he focuses on providing solutions to clients and their families to help them work toward their objectives. Rick s clients include individuals, businesses, unions, universities and other institutions in the public and private sector. His areas of concentration encompass wealth planning, tax strategies, retirement planning services and estate planning strategies. Additionally he offers access to lending solutions. Rick earned a bachelor s degree in business administration and accounting from The College of New Jersey and an M.B.A. from Rider University. He is a Certified Financial Planner and holds Series 7, 31, 63 and 65 securities licenses, along with life, health, long-term care and annuities insurance licenses. Rick is a member of the International Board of Certified Financial Planners. He is also a parishioner at St. James Church in Pennington, New Jersey and a frequent lecturer at local functions and private clubs. A strong advocate of giving back to the community, he volunteers with several charitable organizations including Special Olympics of New Jersey and The St. Lawrence Rehab Center. He enjoys travel and gardening. Rick resides in Pennington, NJ with his wife, JoAnn. Andrew J Mento Portfolio Manager Senior Vice President Financial Advisor Andrew is among the more experienced financial advisors working in financial services today. He began his career on Wall Street in 1976. Many of the investors he serves today have been loyal clients for decades, and most have referred him to countless friends, associates and family members. Andy s practice has grown over time for many reasons but none more important than his unwavering integrity and the genuine concern he has for clients and their families. Delivering a high level of consistent quality service is one of the more important cornerstones of Andy s practice. His goal is always the same: to exceed clients expectations. Andy has a passion for his practice and enjoys it immensely. He derives THE CAIAZZO MENTO GROUP 5
much satisfaction helping investors achieve their financial goals, and seeing the difference it makes in their lives and their loved ones. After 40 years, he has served the varied and often complex needs of investors in all walks of life. Andy holds Series a 1, 12, 40, 63 and 66 securities licenses, along with life, health, long-term care and annuities insurance licenses. Andrew and his wife, Rosemarie, live in Cranbury, New Jersey. Andy is active in his community as First Vice President of the Cranbury, NJ Lion s Club, a Trustee of the Cranbury Public Library, a Trustee of the Cranbury Green Housing Association and Member of the Foundation Board of the Cranbury Public Library. He was Lion of the Year 2012 and Melvin Jones Fellow 2008. Robert Harrison Wealth Management Associate Robert serves a diverse group of clients, recognizing that each one has different circumstances and resources and a unique set of goals. His ability to listen to them and determine their needs demonstrates that he cares about them as individuals. Robert concentrates on developing fixed income strategies to help clients maintain consistent revenue streams. Robert has worked in the financial services industry for 40 years and holds Series 3, 7 and 65 licenses as well as life and annuity insurance licenses. His experience includes working at several bond trading companies where he evaluated Federal Reserve policies and interest rate movements. A graduate of Union College with a degree in English literature, Bob enjoys golfing, traveling and gardening. He supports the Susan B. Komen Race for the Cure. He lives with his wife, Judi, in Princeton, New Jersey. 6 MORGAN STANLEY
Anne Blessing Client Service Associate In her 25 years of experience in the financial services industry, Anne has focused on providing the highest level of service to clients. She is a problem solver-one who is always ready to listen and find an answer to the difficult questions. This allows Anne to provide a level of service that truly helps people navigate the complexities of the financial world. Anne began her career in this industry in 1990, working at various Wall Street firms as trading and retail sales support before joining Rick s team in 1998. Previously, she worked in retail store management. Anne is an avid bird watcher and a volunteer participant in the annual Hawk Migration Count sponsored by the New Jersey Audubon Society every fall. Her vacations often center on bird watching activities. Anne and her husband, Gary, live in Somerset, New Jersey.
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.
Morgan Stanley strives to offer clients the finest in financial thinking, products and execution to help them meet their individual needs and achieve their personal financial goals. When we work together, you ll benefit from personalized advice, objective guidance and dedication to your success as an investor. With access to Morgan Stanley s renowned global resources and investment opportunities, we can help you develop and maintain an optimal investment strategy. Our wealth management strategy will address key areas of your financial life beyond traditional investments and may incorporate diverse recommendations for building and protecting your wealth. 10 MORGAN STANLEY
The individual mentioned as a Portfolio Manager is a Financial Advisor 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 Part2, available at www.morganstanley.com/adv or from your Financial Advisor. 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. 2015 Morgan Stanley Smith Barney LLC. Member SIPC. 11282436 11/2015 CRC 1352843