The Kopser Goodman Group at Morgan Stanley managing wealth, creating opportunities
4030 SMITH RD STE 200 CINCINNATI, OH 45209 513-562-8391 / MAIN 800-543-1825 / TOLL-FREE 513-579-0050 / FAX http://www.morganstanleyfa.com/ kopsergoodmangroup kopsergoodmangroup@morganstanley.com
As Financial Advisors, our role is to help you use your wealth to achieve what is most important to you. That may mean providing an education to children and grandchildren, buying a vacation home, meeting the special needs of a family member, retiring ten years early the list is endless, and the decision is uniquely your own. Together, we will explore your aspirations and the life you envision. We will work with you to translate your goals into a specific investment objective and personalized investment strategy. And then, drawing on the team s experience and perspective informed by the insight and resources of one of the world s largest financial firms we will structure a portfolio for you, executing and refining that strategy to help bring you closer to your definition of investment success. In short, your goals become our focus, and achieving them becomes a commitment that we share. THE KOPSER GOODMAN GROUP 3
Meet the Professionals Left to right top: David Kopser, Lisa Putnam Left to right bottom: Carol Goodman, Barbara Cowherd 4 MORGAN STANLEY
Renae, Allison and twins, Anna and Josie. David s hobbies include golf, coaching youth sports and maintaining his horse and cattle farms in Northern Kentucky with three generations of his family. David P Kopser Senior Portfolio Manager Senior Vice President Financial Advisor David entered the financial services industry in 1999 and has been a Financial Advisor with Morgan Stanley since joining his father, Ray, in 2000. David s first career in the commodity and futures markets has given him valuable experience which he utilizes daily to analyze investment opportunities for The Kopser Goodman Group at Morgan Stanley portfolio. David is a graduate of Xavier University where he majored in Finance and Economics. He has earned the advanced designation Financial Planning Specialist through Morgan Stanley. David has a young and growing family. He and his wife, Shannon, are proud parents of five children; Jaden, THE KOPSER GOODMAN GROUP 5
Investment Consultants (APIC). An avid sports enthusiast, Carol also enjoys playing tennis, golf and spending time with family. Carol B. Goodman, CIMA Senior Investment Management Consultant First Vice President Financial Advisor Carol has been an advisor with Morgan Stanley since entering the financial services area in 1993. Her first career, teaching school, solidified her lifelong passion for education. This passion continues today as Carol places a strong emphasis on her own professional education. She is a graduate of Elmira College, Elmira, New York and has an M.Ed. with a concentration in mathematics from Penn State University. She holds the designation of Financial Planning Specialist and earned her CIMA designation through the Wharton School of Business, The University of Pennsylvania. She is a member of the Investment Management Consultants Association (IMCA) and a member of the Association of Professional 6 MORGAN STANLEY
Her outside passions include reading, cooking and travel. Barbara L. Cowherd Financial Planning Associate Wealth Management Associate Barbara has been with Morgan Stanley since 1989, at that time having joined her father as a Financial Advisor. During this time, she also earned the designation of Investment Management Specialist. Barbara joined the Kopser Goodman Group at Morgan Stanley in 2005 as a Registered Marketing Associate. She provides efficient, high quality customer service to new and existing clients with a focus on the financial planning process. She is a graduate of Northern Kentucky University. As a registered nurse in her first career, Barbara showed the same sensitivity and dedication to her patients that she does today to our clients. Barbara has two adult sons, Matt and Colby, and three grandchildren. THE KOPSER GOODMAN GROUP 7
Lisa N. Putnam Senior Client Service Associate Lisa has been with Morgan Stanley since 1990. She is responsible for the opening and processing of new accounts. Lisa graduated from the University of Oklahoma with a Business Degree. Her favorite pastimes are traveling and her Oklahoma Sooner football. Lisa and her husband John are the proud parents of a daughter, Noelle Hope. 8 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. 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 lending and cash management needs and plans for growth. 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. 10 MORGAN STANLEY
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. 11
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. 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 investor's individual circumstances and objectives. 2018 Morgan Stanley Smith Barney LLC. Member SIPC. 34435505 01/2018 CRC 1921661 CA Insurance Lic # 0M00670