The Royal Palm Group at Morgan Stanley Your goals, Our mission
7811 University Pointe Drive Fort Myers, FL 33907 239-432-1300 / MAIN 800-326-8389 / TOLL-FREE 239-449-6389 / FAX
The Royal Palm 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 ROYAL PALM GROUP 3
Meet the Professionals The Royal Palm Group is a team of experienced and knowledgeable professionals who provide comprehensive wealth management services. Our focus is to create and maintain customized strategies that exceed our clients expectations for wealth accumulation and preservation. Our well defined investment philosophy and close work with our clients legal and tax advisors has enabled us to build highly valued long term relationships. We take very seriously the responsibility our clients have placed in us, and we take pride in our ability to help provide sound professional advice and impeccable service. Peter Sherwin Senior Portfolio Manager First Vice President Wealth Advisor Peter began his career in the financial services industry with Morgan Stanley* in 1993. Prior to 1993, Peter worked in accounting which has proved beneficial in his current areas of focus which include retirement planning, wealth preservation and business succession. He has his FINRA Series 7, 31, 65 and 66 licenses as well as Life and Health Insurance license and Long Term Care licenses. Peter received his Bachelors of Science degree from Augustana College in Rock Island, Illinois. Originally from Clear Lake, Iowa, Peter and his wife and son have called the Lee County area home since 1979. He enjoys spending time with family and friends, golfing, and boating. Peter is a member of Cape Christian Fellowship Church and is active at Cypress Lake Country Club. 4 MORGAN STANLEY
Aaron White, CFP, CMFC Senior Portfolio Manager Vice President Financial Advisor Aaron is a Financial Advisor and has achieved and maintains his CER- TIFIED FINANCIAL PLANNER certification and CHARTERED MUTUAL FUND COUNSELOR designation in addition to his Series 7 and 66 securities licenses, along with his Florida Life Insurance and Variable Licenses. He is a graduate of the Warrington College of Business Administration at The University of Florida. He and his wife, Amber, are native Floridians and have two children. They are active in local civic and church activities. As a Senior Portfolio Manager for the group and a CFP professional Aaron s role on the team includes: Portfolio Management on a discretionary basis, Financial Planning, Investment Implementation and Performance Monitoring. Jason Duke, CFP Senior Portfolio Manager First Vice President Financial Advisor Jason began working with Morgan Stanley in 2003 and is dedicated to building long-term relationships by putting his clients and their financial goals first. He focuses in the areas of Estate Planning,and Portfolio Management, and has his Series 7, 31, 66 and Florida Life, Health and Variable Annuities licenses. Jason has also achieved and maintains the certification of CERTIFIED FINANCIAL PLANNER TM. Jason received his Bachelor of Science degree in Accounting from Samford University. A Florida native, Jason has lived in Fort Myers since 2001. He enjoys fishing, boating, and spending time with his wife, Ellen, and son Miles. Jason is involved with the American Red Cross, local political organizations, and Summit Church. Joseph Rakowski Portfolio Management Director First Vice President Financial Advisor Joe has been in the investment field since 1977 and the securities industry since 1985. He is a First Vice President and holds the title of Portfolio Management Director. Joe maintains the ongoing requirements for his Series 7, 63 and 65 securities licenses, along with his Florida Life and Variable Insurance License. Joe is a graduate of the University of Maine with a focus on Engineering and Business. He and his wife Katherine have resided in Fort Myers since 1979. They have 4 children and 2 grandchildren and are actively involved in church and community activities. As a Portfolio Management Director for the group, his main advisory roles include investment strategy, asset allocation reviews and portfolio management. THE ROYAL PALM GROUP 5
Richard Berlick Senior Portfolio Manager Senior Vice President Wealth Advisor Richard began his career at Paine Webber, and joined the firm in 1989 as Financial Advisor. Richard concentrates in the area of Portfolio Management including equities, fixed income, and estate planning. He has his FINRA Series 7, 31, 63, and 65 licenses as well as Life, Health and Annuity insurance licenses. Richard graduated from Valparaiso University and went on to obtain his Masters degree at Miami University. A native of Elkhart, Indiana, Richard has lived in the Fort Myers area since 1980. Together with his wife, Kathleen, they have three children. Away from the office, he enjoys boating, fishing, gardening and sports of all kinds. Richard is a member of St. Columbkille Catholic Church. Leonard Katz Portfolio Management Associate Assistant Vice President Lenny Katz is a Portfolio Management Associate and holds the title of Assistant Vice President. He has been in the financial services industry since 1985 holding positions as Branch Manager for Nationsbank and City Manager for Suntrust. He maintains his Series 7, 63 and 65 securities licenses, along with his Florida Life and Variable Licenses since 1998. Lenny is a graduate of the University of Central Florida with a degree in Finance. He is very involved in community and church activities and currently serves on the board of nonprofit agencies, Boys & Girls Club of Southwest Florida, and Lee Cancer Care. He and his wife, Angela, are native Floridians and have 3 children. Amanda Pflanz Senior Registered Associate Financial Planning Specialist Amanda Pflanz, is a Senior Registered Associate, and has obtained the Financial Planning Specialist designation as well. She has been in the financial services industry since 1998, beginning her career as an Analyst providing investment research at Morningstar, Inc., in Chicago, IL for over 6 years. After moving to Florida, she obtained and currently holds her Series 7 and 66 securities licenses. She is a graduate of Saint Mary s College, Notre Dame with a degree in Finance and International Business. She and her husband Gregg reside in Fort Myers with their two children. Away from the office they are very active in the outdoors, enjoying fishing and boating. 6 MORGAN STANLEY
Dawn Estes Senior Registered Associate Born in Mineola, NY, and raised on Florida s east coast in Lake Worth, Dawn started in 1979 with Icahn & Co during high school. With a love of the industry she then joined what was Shearson Loeb Rhodes and stayed with the same firm during the many years of changes that would now be Morgan Stanley. During her career with Morgan Stanley, she was Vice President and Operations Manager until March of 2010, when she took a brief hiatus. Now working with the Royal Palm Group at Morgan Stanley as a Senior Registered Associate, she has her Series 7, 8, and 63 securities licenses. She married and has 1 daughter, Heather. She is active with local soccer club Lee County Strikers. Her hobbies include spending time with husband and daughter. She also enjoys exercise, running in 5K races, spending time on boat and fishing Carly Rainero Senior Registered Associate Carly began her career in the investment advisory business in 2006 as a Regional Director with a small independent advisory firm in Clearwater, FL. She was also a marketing director and a representative for several large medical and information technology corporations. Carly earned both her Bachelor of Science and Master of Business Administration from Florida State University. She maintains her FINRA Series 7, 65 and 63 licenses. Carly is an active member of the Junior League of Fort Myers, formerly serving on the Board of Directors. She is also an alumna of Gamma Phi Beta and attends Pine Island United Methodist Church. Carly and her husband, Guido, have two daughters, Georgia and Reese, and a miniature schnauzer, Miss Dixie. They enjoy fishing, hunting, live music and FSU sports. Nicole Majoras Client Service Associate Nicole began her career with Morgan Stanley in May 2008 and is currently studying to obtain her Series 7 license. She provides Administrative Assistance to The Royal Palm Group as well as the Branch Manager. Nicole is a Fort Myers native and enjoys spending time at the beach, travel and staying active. She resides in Downtown Fort Myers with her husband, Bryan. THE ROYAL PALM GROUP 7
The Royal Palm Group at Morgan Stanley: Getting started by Getting to Know You Our relationship begins with learning more about you. Together we complete the Morgan Stanley financial assessment to help us understand: You, Your Money, Your Lifestyle & Your Legacy Who depends on you for support? What is your greatest financial concern? Are you building wealth, preserving capital, or eroding principal? What steps have you taken to preserve your legacy? We establish a plan designed to meet your: Financial needs and investment preferences Investment objectives, timeline, cash needs and risk tolerance 8 MORGAN STANLEY
The Royal Palm Group at Morgan Stanley: We're Committed to your Success The Royal Palm Group at Morgan Stanley strives to build successful relationships by putting your needs first. We are committed to a Wealth Management Process that provides you customized strategies based on your individual investment objectives. Using this process, we can: Identify your financial needs, goals, sensitivity to risk and investment horizon. Implement a plan that encompasses a variety of strategies to build, maintain and transition your wealth. Conduct regular portfolio reviews to make sure the plan remains on track to help you pursue your long term goals. 10 MORGAN STANLEY
The Royal Palm Group at Morgan Stanley: Service Commitment We at the Royal Palm Group are dedicated to helping our clients build, maintain and transition their wealth through life's good and bad times. To that end "We" commit to the following: Always putting your interests first. Being realistic about your needs and goals. Focusing on long-term relationships. Full disclosure and transparency on all matters. Because "You" the client are the focus of the wealth management relationship, we ask you to commit to the following: Open and honest discussions with us. Introduce us to your friends and family. Full disclosure of financial holdings. Our hope at the The Royal Palm Group is that our commitement to "You" and your commitment to "Us" will lead to a holistic approach to your wealth management and produce relationships that last a lifetime. 12 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. 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. 2014 Morgan Stanley Smith Barney LLC. Member SIPC. 2973181 08/2014 CRC 993398