The Ricca-Weinerman Group at Morgan Stanley Providing Comprehensive Wealth Management
400 Campus Drive Florham Park, NJ 07932 973-236-3500 / MAIN 800-526-9075 / TOLL-FREE 973-236-3601 / FAX http://fa.morganstanley.com/ricca_weinerman/
The Ricca-Weinerman 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 RICCA-WEINERMAN GROUP 3
Meet the Professionals Standing: David S Weinerman and Michael J Ricca; Seated: Diana L Chaney, Stephen R Allen and Mary Guza 4 MORGAN STANLEY
Michael J. Ricca, CFP Executive Director Financial Advisor David S. Weinerman, CFP Executive Director Financial Advisor Mary Guza, CFP Financial Planning Specialist Financial Advisor Michael has spent his entire career in the wealth management industry, building his practice through his comprehensive knowledge in investments, accounting, tax, insurance, estate planning and charitable giving. He is a CERTIFIED FINAN- CIAL PLANNER, a Financial Planning Specialist, as well as a Chairman s Council member of Morgan Stanley. Known for his endless energy, Mike is passionate about conducting a professional and effective discovery process and consistently helping to solve his client s financial problems. He is a frequent speaker on investment topics and has been named to Barron s Top 1000 Advisors List in 2009, 2010, 2011, and 2012. He lives in Mendham, NJ with his wife, Susanne, and is a dedicated coach to his three children, Andrea, Michael and Tommy. Rutgers University BA, Economics and English, 1988 Seton Hall University MBA, Finance, 1991 Fairleigh Dickinson University Certificate in Financial Planning, 2000 Having begun his tenure on Wall Street over two decades ago, David has extensive experience in personal and corporate financial management to share with his clients. David is a member of Morgan Stanley s Chairman s Council as well as a CER- TIFIED FINANCIAL PLANNER and Financial Planning Specialist. He has also been named to Barron s Top 1000 Advisors List in 2009, 2010, 2011, and 2012. In addition to his capabilities in investments, accounting, tax, insurance, estate and retirement planning, and philanthropy, Dave is highly proficient in serving the needs of corporate clients in areas such as cash flow management, employee benefit plans and insurance. Dave and his wife, Kelly, live in Chester, NJ with their four children, Harrison, Julia, Samantha and Brandon. He volunteers his business acumen by serving as a board member for The Sunrise House, a not-forprofit organization. Florida State University BS, Economics, 1987 Fairleigh Dickinson University Certificate in Financial Planning, 2000 At The Ricca-Weinerman Group, Mary provides invaluable assistance to our clients in terms of investment advice, financial research and trading executions. As a CERTIFIED FINANCIAL PLANNER, her responsibilities are focused on comprehensive wealth management for our corporate and individual clients, as well as applying her specialization in insurance where appropriate. Whether she is structuring a portfolio or establishing a 401(k) plan, Mary s outgoing personality and high energy make her a pleasure to work with for both clients and colleagues. King s College BS, Finance, 2006 Fairleigh Dickinson University Certificate in Financial Planning, 2010 THE RICCA-WEINERMAN GROUP 5
Stephen R. Allen, CFP, CRPC Vice President Financial Advisor With over 10 years of experience in wealth management, Stephen began his career with Merrill Lynch s Private Client Group in New York City, joining Morgan Stanley s predecessor firm in Florham Park, NJ in 2006. Steve is experienced and talented in delivering planning for high net worth families, including retirement forecasting, asset allocation modeling, education savings plans, and estate planning. He also handles the execution of stock and stock option trades for our clients. Stephen obtained the designations of Chartered Retirement Planning Counselor in 2006 and CERTIFIED FINANCIAL PLANNER in 2011. Stephen resides in Morris Township, NJ, with his wife, Christie, and their daughters, Emma and Caroline. Rider University BS, Marketing, 1999 Fairleigh Dickinson University Certificate in Financial Planning, 2011 Diana L. Chaney Financial Planning Specialist Financial Advisor Having started on Wall Street on the floor of the New York Stock Exchange, Diana developed her trading experience into a career as a portfolio manager for The U.S.Trust Company and Smith Barney Asset Management. After leaving Wall Street for a few years to raise her family, Diana joined The Ricca- Weinerman Group bringing experience and knowledge in investment analysis, asset allocation and style diversification. Diana assists Michael and David analyzing our investment management capabilities, structuring our client s professionally managed portfolios and developing financial plans. A resident of Mendham, NJ, Diana lives with her husband, Michael, and their sons, Robbie and Billy. When not at work, Diana can usually be found at one of her son s sporting events. Bucknell University BS, Management, 1984 New York University MBA, Finance, 1990 University of Pennsylvania Securities Industry Institute, 1993 Shanon B. Ohlweiler Assistant Vice President Shanon is a veteran of The Ricca- Weinerman Group at Morgan Stanley and she, along with the team, is responsible for the group s exceptional service capabilities. Her commitment to operational excellence is demonstrated in her efficiency and extensive knowledge of the complex administrative requirements of our client s lives. The high level of satisfaction experienced by our clients is very much a function of the team s commitment to removing as much of the administrative burden from them as possible. Shanon lives in Mendham, NJ with her husband Chris, son, Billy and daughter, Caroline. She is a sport and classic car enthusiast as well as a nationally certified instructor for the Porsche Club of Americas Drivers Education Program. Fairleigh Dickinson University BA, Finance, 1999 6 MORGAN STANLEY
Lindsay B. Conte Assistant Vice President Lindsay is vital to the success and client satisfaction achieved by The Ricca-Weinerman Group at Morgan Stanley. An invaluable member of the team, Lindsay is also responsible for the group s exceptional service capabilities. She is a highly efficient and organized administrator with a wonderfully calm demeanor. In addition to handling the broad range of administrative needs and requests of our client s, Lindsay is proficient in the analytics and performance reporting of our extensive investment management capabilities. Having been born and raised in South Africa, Lindsay currently lives in Chester, NJ with her husband, Vincent, daughter, Ava, and son, Ryan. Fairleigh Dickinson University BS, Finance, 2002
Melissa W. Anton Registered Marketing Associate Kimberlie Wavra Registered Client Service Associate Lindsay M. Prosser Registered Client Service Associate Melissa became the newest member of the Ricca-Weinerman Group at Morgan Stanley when she relocated back to New Jersey after a 5 year opportunity in our Dallas, Texas office. With 10 years of experience in financial services, Melissa brings an exceptional level of client service capabilities, as well as extensive knowledge of operations and account administration. Melissa currently lives in Branchburg, NJ with her husband Robert, and daughter Karah. Rutgers University BA, Economics, 2002 Experienced in customer service and sales, Kim s responsibilities currently include general account administration, operations, technology and client service in support of our comprehensive financial planning capabilities. She is highly organized and proactive which makes her a perfect fit with the team. Kim is a graduate of Seton Hall University and is enjoying renovating her new home in Warren, NJ. Seton Hall University BS, Business Administration, Finance, 2009 Lindsay joined the firm after graduation from Bucknell University and has quickly become very proficient at helping clients with their many and varied wealth management needs. She is highly organized and enjoys working with people which makes her a wonderful addition to the client service team. Lindsay currently lives in Morristown, NJ and is looking forward to finding a dog for her new home. Bucknell University BA, Environmental Studies and Economics, 2011 8 MORGAN STANLEY
Amanda T. Rusciano Client Service Associate Amanda has experience in both finance and accounting. Her analytical capabilities make her a highly effective problem solver and administrator for our clients. Amanda lives in Wayne, NJ and her personal goal is to learn how to enjoy running. Penn State University BS, Finance, 2012 Cynthia Adduci Client Service Associate Cynthia has been a part of the Florham Park branch of Morgan Stanley for several years working in a variety of roles, including Branch Administrator. In order to spend more time at home with her husband and young children, Mia and Matthew, she joined the Ricca- Weinerman Group on a part-time basis. Her broad operational knowledge and optimistic nature make her a special part of the team. William Paterson University BA, Psychology, 1995 THE RICCA-WEINERMAN GROUP 9
For Life's Most Important Goals With experienced professionals and the right resources, reaching your most important goals can be less challenging and more rewarding. We are ready to help you meet your goals, by combining our insights into your needs with the resources of Morgan Stanley. Setting a confident course Thorough, thoughtful planning planning that analyzes where you are as well as where you want to go is the most important step in establishing a path to your goals. We will work with you to explore and define your objectives and needs, and then structure a plan that is uniquely your own. Balance sheet analysis Retirement planning Education planning Estate planning Multigenerational planning Insurance Strategic consulting and transactions Managing the rewards of success Managing an investment portfolio should be a consultative, disciplined process that balances your attitudes and goals as an investor with careful analysis of the financial markets and the risks and opportunities they hold for you. You can rely on us for objective strategic advice in structuring your portfolio and for careful analysis of any investments we consider together. Asset allocation Investment management Traditional investments Alternative investments Separately managed accounts
Shaping your retirement Together, we can work to make decisions that could help you move toward the retirement you expect. Whether you are building retirement wealth or making the transition to generating income from your assets, We can help you develop and implement a strategy based on your vision of retirement. IRAs: - Traditional - Roth IRA rollovers Roth conversions Building a unique legacy Estate planning typically brings together the dimensions of life: personal, family, financial and charitable. We will work with you to understand the connections between your life and legacy goals, and work with your accountant and attorney to help you develop a strategy to position your portfolio appropriately. Educating new generations Helping to meet the education costs of children and grandchildren may be one of the most attractive and personally fulfilling investment opportunities available to you. We can help you access appropriate investment vehicles 529 plans and custodial accounts. Giving back through philanthropy Many successful individuals seek opportunities to support cultural and educational institutions, and nonprofit organizations and activities. Properly undertaken, charitable giving can provide planning flexibility and benefits for you. We can help you analyze and implement a strategy that rewards you while it benefits causes you care about. Charitable lead and remainder trusts Family foundations Donor advised funds Strengthening your business The links between business ownership and personal wealth are many and complex. Whether your objective is to grow your business, realize its value through a succession strategy or sale, or maintain family ownership by the next generation, we can examine your alternatives in light of both business and personal objectives. And, should circumstance require it, we can use the access to banking services of Morgan Stanley. Credit facilities Cash management Retirement plans Strategic consulting and transactions Succession planning Protecting your wealth Insurance can play a critical role in virtually any comprehensive financial strategy, helping you to protect the value of your assets, protect your income and your family s financial security even perform important functions in a business succession or estate plan. We can help you analyze your current insurance portfolio and work to update your coverages to fulfill personal and strategic goals. Life and disability income insurance Life insurance trusts Key-person insurance Meeting current liquidity and banking needs Managing personal cash and securing liquidity for personal needs and opportunities are the day-to-day aspects of implementing a financial strategy. We can help you meet your personal cash management and borrowing needs while thinking strategically about how approaches may affect current and longterm costs and taxes. Home finance Lending services Debt restructuring THE RICCA-WEINERMAN GROUP 11
Asset Allocation and Portfolio Planning We will work together using a process that focuses on you and your goals, integrating investment decisions with your immediate financial needs and desired aspirations. This process encompasses four steps: 1 Personal review Before we can advise you, our team must understand you and your goals. We will guide you through an extensive discovery process to identify your objectives, time horizon, tolerance for risk and other considerations that may play a role in shaping your investment strategy. 2 Asset allocation and portfolio planning Your input drives the development of a personalized financial strategy. Designed to help you meet your specific needs, it addresses areas such as retirement, education expenses, estate planning and tax minimization potential. When our analysis is complete, we will present to you an investment strategy that helps to identify appropriate diversification for your portfolio. 3 Implementation After we have discussed and refined your strategy, we work closely with you to bring the elements to life. Should we decide that outside money managers are appropriate for you, we will 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 together, our team will help you keep your strategy on track. 4 Ongoing communications and reporting 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. 12 MORGAN STANLEY
Awards Named to Barron's Top 1000 Advisors in 2009, 2010, 2011, 2012 Awarded America's Top 100 Wirehouse Advisors by Registered Rep Magazine in September 2011 Recognized in January 2011 as Wealth Advisors who scored highest in overall satisfaction and excellence in business planning, estate planning and insurance by NJ Monthly 14 MORGAN STANLEY
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.
Source: Barron s Top 1,000 Advisors, February 21, 2011, as identified by Barron s magazine, using quantitative and qualitative criteria and selected from a pool of over 4,000 nominations. Advisors in the Top 1,000 Financial Advisors have a minimum of seven years of financial services experience. Qualitative factors include, but are not limited to, compliance record, interviews with senior management, and philanthropic work. Investment performance is not a criterion. The rating may not be representative of any one client s experience and is not indicative of the financial advisor s future performance. Neither Morgan Stanley Smith Barney LLC nor its Financial Advisors pay a fee to Barron s in exchange for the rating. Barron s is a registered trademark of Dow Jones & Company, L.P. All rights reserved. Source: Barron's Top 1,000 Advisors, February 20, 2010, as identified by Barron's magazine, using quantitative and qualitative criteria and selected from a pool of over 4,000 nominations. Advisors in the Top 1,000 Financial Advisors have a minimum of seven years of financial services experience. Qualitative factors include, but are not limited to, compliance record, interviews with senior management, and philanthropic work. Investment performance is not a criterion. The rating may not be representative of any one client's experience and is not indicative of the financial advisor's future performance. Neither Morgan Stanley Smith Barney LLC nor its Financial Advisors pay a fee to Barron's in exchange for the rating. Barron s is a registered trademark of Dow Jones & Company, L.P. All rights reserved. Source: Barron's Top 1000 Financial Advisors, February 9, 2009, as identified by Barron's magazine, using quantitative and qualitative criteria and selected from a pool of over 3,000 nominations. Advisors in the Top 1000 Financial Advisors have a minimum of seven years of financial services experience. Qualitative factors include, but are not limited to, compliance record, interviews with senior management, and philanthropic work. Investment performance is not a criterion. The rating may not be representative of any one client's experience and is not indicative of the Financial Advisor's future performance. Neither Morgan Stanley Smith Barney nor its Financial Advisors pay a fee to Barron's in exchange for the rating. Barron s is a registered trademark of Dow Jones & Company, L.P. All rights reserved. Tax laws are complex and subject to change. Morgan Stanley Smith Barney LLC ( Morgan Stanley ), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice and are not fiduciaries (under ERISA, the Internal Revenue Code or otherwise) with respect to the services or activities described herein except as otherwise agreed to in writing by Morgan Stanley. This material was not intended or written to be used for the purpose of avoiding tax penalties that may be imposed on the taxpayer. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a retirement plan or account, and (b) regarding any potential tax, ERISA and related consequences of any investments made under such plan or account. Diversification does not guarantee a profit or protect against a loss. Life insurance, disability income insurance, and long-term care insurance are offered through Morgan Stanley Smith Barney LLC's licensed insurance agency affiliates. Morgan Stanley Financial Advisors do not provide tax or legal advice. This material was not intended or written to be used for the purpose of avoiding tax penalties that may be imposed on the taxpayer. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters. Morgan Stanley Smith Barney LLC offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please contact us to understand these differences. Morgan Stanley Smith Barney LLC is a registered brokerdealer, not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking-related products and services. Unless otherwise specifically disclosed to you in writing, investments and services offered through Morgan Stanley are not insured by the FDIC, are not deposits or other obligations of, or guaranteed by, banks and involve investment risks, including possible loss of principal amount invested. Asset allocation and diversification do not guarantee a profit or protect against loss. 2013 Morgan Stanley Smith Barney LLC. Member SIPC. 1080976 05/2013 CRC 619284