The Bush Natishan Group at Morgan Stanley Ellen Q. Bush & Karen B. Natishan
111 North Washington Ave. Suite 201, Scranton, PA 18503 570-819-8010 / MAIN 570-822-2303 / FAX http://fa.morganstanley.com/thebushnatishangroup Ellen.Q.Bush@morganstanley.com Karen.B.Natishan@morganstanley.com Alanna.Helal@morganstanley.com
The Bush Natishan Group at Morgan Stanley With over 60 years of combined experience at Morgan Stanley*, The Bush Natishan Group provides highly personalized, goal based comprehensive wealth management strategies to help our clients grow and maintain wealth. We strive to provide exceptional client experience for our clients and their families. Our goal is to help you address all aspects of your financial plan with our solution-based advice using our extensive professional experience as well as state of the art financial planning technology and resources so you can focus on what is most important to you. Scranton Office - 111 N. Washington Ave, Suite 201 Scranton, PA 18503 Wilkes Barre Office - 1065 Highway 315, Suite 401 Wilkes-Barre, PA 18702 THE BUSH NATISHAN GROUP 3
Meet the Professionals Left to Right: Karen B. Natishan, Ellen Q. Bush, Alanna Helal 4 MORGAN STANLEY
Ellen Q Bush Senior Investment Management Consultant Senior Vice President Financial Advisor Ellen Q. Bush has been with Morgan Stanley since 1980. Ellen s role is to work with you to help you develop a plan that lays out a clear path to your goals a plan that she develops in collaboration with you, and one that you can follow with confidence in the face of the market s ups and downs. Ellen graduated Magna Cum Laude, Phi Beta Kappa from Bucknell University and received her M.A. from Lehigh University. Ellen has endowed two scholarships at Bucknell, one in memory of her father, John C. Bush, class of '42. These scholarships are directed to students from Northeast Pennsylvania (NEPA) and seek diversity in the students who are chosen as recipients. As an active community leader, Ellen serves in multiple capacities earning recognition as a recipient of the President's Volunteer Service Award. Ellen has been a member of the Board of Trustees at Bucknell University since 1995, serving on multiple committees including the Executive Committee of the Board. After 20 years of service she was elected Emeritus trustee in April 2015, the youngest trustee ever elected Emeritus Trustee. Since 2013 Ellen has been the Chair of the Heritage Valley Partners (HVP), the 501c of the Lackawanna Heritage Valley Authority (LHVA). One area of focus for HVP/LHVA is the development and use of trails and greenways. Trails enhance the value of industrial and commercial sites for a variety of reasons, including attracting major companies, reducing health care costs and increasing productivity. She also serves on the board for Geisinger CMC Advisory Council and the St. Joseph s Foundation Board of Scranton. She is a past trustee of the board of Mercy Health Partners, serving in capacity Chair of the Board for several years. She also is a past trustee of The Hospital and Health System Association of Pennsylvania. Ellen is a member of Glenmaura National Golf Club and is a lifelong avid runner, having completed four marathons. She also enjoys spending time at her beach home in Rehoboth Beach, Delaware. THE BUSH NATISHAN GROUP 5
Karen B Natishan Senior Investment Management Consultant Vice President Financial Advisor Karen B. Natishan has been with Morgan Stanley since 1990. As a licensed investment professional, Karen helps implement wealth management and preservation strategies for corporate, non-profit and individual clients. She structures and oversees customized investment and insurance plans for individuals and is responsible for our corporate and non-profit retirement plan business. Karen graduated Magna Cum Laude from Wilkes University where she earned her B.A. degree. Karen is a graduate of Morgan Stanley's Consulting Group University and has attended the Dorsey Wright and Associates Broker Institute. She currently serves on the Foundation Board at Luzerne County Community College. She is Treasurer of the foundation and a member of the college s Executive/Finance committee. Karen is also a board member of the Wyoming Valley Art League. Karen has served the community as a board member of Wyoming Valley Habitat for Humanity and was past president of Fraternal Societies of Northeastern Pennsylvania. Karen is a member of Irem Temple Golf club and lives in the Back Mountain region of Pennsylvania. Alanna Helal Client Service Associate As a dedicated client service professional with over 10 years of experience, Alanna serves The Bush Natishan Group and their clients in all day to day functions. She acts as a liaison between the clients and the financial advisors within the team and is responsible for providing operational and service support. Alanna is a graduate of the Lake Superior College. In 2014 she relocated from Minnesota with her husband and two children to Northeast Pennsylvania. Prior to Morgan Stanley she worked for a technology company focused on solutions-based marketing and technology tools for the financial services industry. 6 MORGAN STANLEY
Managing Risk The up and down nature of the markets is just one kind of risk but so is not protecting my assets and my family. How do I protect what Planning for Retirement When I retire, it will affect just about everything that matters: my lifestyle, my company and my family. Is there a way to plan for retirement that takes it all into account? Planning for the Long Term Decisions about both assets and liabilities need to be made in the framework of important life goals. What steps are also the most tax efficient? How can a strategic approach to cash management and lending simplify my financial life and maximize the value of what I own? Saving for College Will I be able to pay for a good education for my children and my grandchildren? Business Strategies How do I manage my personal wealth with so much tied up in my company? Investing I have so many goals and priorities. How can one investment strategy balance them all? Liquidity Solutions I can predict some expenses, but others I know I can t. How can I plan to have the cash I need? Innovative Solutions to the Full Range of Wealth Management Needs Leaving a Legacy to the Next Generation Making sure my estate goes to the people and organizations I care about is a priority. How do I transform my assets into a legacy? Charitable Giving The charities I support are like extended family. How do I maximize the good I can accomplish?
PERFORMANCE THAT STRIVESto MEET YOUR MEASURE WHO CAN DEVISE STRATEGIES THAT ARE DESIGNED TO MEET THE GOALS THAT ARE MOST IMPORTANT TO YOU? YOUR PERSONAL FINANCIAL ADVISOR. Among the most important skills of Financial Advisors is the ability to listen: to thoroughly understand your financial needs and then align the resources to helpmeetthem.yourfinancialadvisor can help you evaluate immediate concerns and plan for long-term goals, be a sounding board for your investment ideas, assist you in developing and executing a strategy that is precisely your own and potentially help deliver the results that meet your needs. Your Financial Advisor helps to select the firm s best thinking and to align our many capabilities to meet your wealth planning goals. From investments to credit to cash management to trusts, your Financial Advisor has access to the areas of the firm that canhelpmeetuniqueneedsonbothsides of your balance sheet. Our Reserved program provides Morgan Stanley s most valued Wealth Management clients and their families with exclusive access to luxury offers, premier benefits and high-quality service 1. THE VALUE OF A LEARNING CULTURE. Morgan Stanley makes a sizable investment in the training and professional development of each Financial Advisor, with many earning professional certifications and designations. Our continuing education programs are designed to equip Financial Advisors with new skills and perspectives. We want every client to reap the benefits of the culture of excellence of our firm. Our Financial Advisors represent an extensive knowledge base built on diverse skills, experience and professional interests. Our Financial Advisors share best practices including: asset allocation approaches, highly focused strategies and specific investment ideas to address unusual or particularly sophisticated client needs. Away from the office, many of our Financial Advisors volunteer their time and leadership skills to thousands of local organizations. They are at the forefront of the firm s commitment to givebackgenerouslytothecommunities where our clients live and work. SPECIAL RESOURCES FOR FAMILIES WITH EXCEPTIONAL REQUIREMENTS. Successful families with substantial assets typically have complex needs and require highly integrated capabilities. Morgan Stanley s Wealth Planning Centers and Family Wealth Advisory Services focus on the intricacies of multigenerational wealth transfer, family ownership structures, philanthropy management, complex tax reporting, succession planning and family governance. Our clients work with professionals who have extensive experience addressing both the financial issues andpersonaldynamicsofamerica s wealthiest families. 1 Please read important disclosures on the back cover of this brochure CRC561482 CS 7954023 07/14
Our Consultative Process Charting a prudent course to financial independence requires a wellconceived, personalized plan with defined long-term goals. Our wealth advisory consultative process can help you design a cohesive plan for the future that includes: 1 Discovery Before our first meeting, we suggest that you take a fresh inventory of your wealth, including where each asset is located and what it is worth. At that meeting, we will begin by exploring many questions to try to capture what matters most to you and fully understand what you want to accomplish with your wealth. We will talk about you, the kind of lifestyle you enjoy, what worries you and what you are passionate about. Our conversation will also explore your values, key relationships, total assets, preferred manner of communication, as well as identify the other professional advisors with whom you work. That way, our team can help you determine how all the facets of your financial situation could dovetail effectively. 2 Analysis and recommendation Based on our discussion, the team will analyze your personal and financial information, including liabilities, and assess risks and identify potential threats to your financial health. We will present you with a personalized plan that can help address your income and cash flow needs, borrowing requirements, asset protection, retirement planning, wealth transfer, philanthropy and other areas beyond investment management. By taking the additional time to carefully review these topics, we hope to make you comfortable with proposed investment strategies and service providers before implementing your wealth plan. 3 Implementation After you have approved your wealth plan, we will work closely with you to implement it, bringing an objective approach, and paying special attention to how the various parts of your plan can affect, enhance and integrate with each other. Wherever appropriate, we will suggest seeking additional, in-depth advice on particularly complex issues we have identified, including family dynamics, estate planning, lending, tax planning strategies and more. Whatever approach we decide on, the team will help you keep your investments on track. 4 Reviewing objectives We believe that ongoing communication is a vital component of our ongoing relationship, and we are committed to keeping abreast of your changing financial needs. Your financial documents provide the foundation for regular meetings, and the team will review your portfolio at your request and whenever you feel that your circumstances have changed. We will then seek to make certain that your assets are positioned according to your evolving needs. If necessary, we will suggest adjustments to your strategy to address changes in your circumstances or your objectives. 10 MORGAN STANLEY
We Work to Understand the Full Scope of Your Financial Picture It starts with listening. We ask questions regarding your needs and dreams, your tolerance for risk, your time horizon and then listen. It s an ongoing process through which we strive to know all we can about you, your family, your business (if applicable) and your short- and long-term goals. This period of discovery helps us make informed recommendations and design a flexible wealth management plan that is uniquely yours. 1 2 1 Discovery process Identify your goals, values, dreams, special concerns/challenges 2 Develop investment strategy Determine risk tolerance Analyze current investment portfolio Develop asset allocation strategy Portfolio construction 12 MORGAN STANLEY
The Client Experience 3 4 5 6 7 8 9 10 3 Investment strategy meeting In-person meeting to present recommended investment strategy 5 Follow-up meeting In-person meeting to discuss: First statements Organization of paperwork Set up online account access (and review online resources) Develop schedule for 7 Wealth management plan meeting In-person meeting to present comprehensive wealth management strategies 9 Ongoing monitoring of investment strategy and wealth management plan Develop schedule for review meetings future review meetings Schedule wealth management plan meeting 4 Execution of investment strategy Open new accounts Transfer existing assets Conduct trades to execute agreed-upon investment strategy 6 Develop comprehensive wealth management plan Financial planning Retirement planning Access to banking and lending services Education planning Business succession planning Charitable giving Family dynamics Estate planning management Plan meeting 8 Execute wealth management plan Ongoing execution of wealth management strategies 10 Re-evaluate investment strategy based on changes to goals, objectives and/or expectations Adjust investment portfolio and/or wealth management plan in light of any changes CRC#410861 16863501 06/2016
We are a team of experienced professionals built on the foundation of seeking to do what is best for our clients. This client centered approach ensures that our experience and skills are focused on providing personalized, comprehensive wealth management strategies for each client utilizing the vast resources of Morgan Stanley. We work for our clients as we would for our own families, with a level of service meant to allow clients the security to pursue their various interests. 14 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. 2016 Morgan Stanley Smith Barney LLC. Member SIPC. 16863501 06/2016 CRC 1400653