Morgan Stanley Smith Barney, 80 E. Rio Salado Parkway, Suite 810, Tempe, AZ 85281
AT M O R G A N S TA N L E Y S M I T H B A R N E Y
We are all travelers in the wilderness of this world, and the best we can find in our travels is an honest friend. Robert Louis Stevenson
A Family Wealth Advisory Team Left to right: Kurt Meyer, Pamela Pickens, Lisa Gomez and Ryan Turner We provide the means to organize and simplify the financial lives of affluent individuals and sophisticated family entities. We do this with coordinated planning and unrelenting diligence.
A Family Wealth Advisory Team Kurt Meyer, CIMA Kurt Meyer, CIMA Senior Vice President, Wealth Management Family Wealth Director Senior Portfolio Manager Kurt Meyer and his team provide family office wealth management and investment services to ultra high net worth investors. We do this by acting as our clients lead financial advisor and coordinating with their accountants and attorneys to establish and implement a comprehensive financial plan. Kurt is a designated Family Wealth Director, a title earned and reserved for a very few financial advisors who have demonstrated professional knowledge in experience in areas including estate planning, philanthropy, alternative investments, control and restricted securities, lending, hedging and monetization, and investment banking to better serve their clients unique financial and personal needs. Mr. Meyer is also a graduate of the University of Pennsylvania s Wharton School of Business distinguished IMCA, earning the Certification of Investment Management Analyst (CIMA). Kurt was recently selected as one of 12 advisors nationally to participate within the Director s Advisory Group (DAG). The DAG works directly with the firm s top executive management team on firm related issues. Ryan Turner, CFA Ryan Turner, CFA Vice President, Wealth Management Financial Planning Specialist Mr. Turner first joined Morgan Stanley Smith Barney in the summers of 1996 and 1997 through predecessor firms, where he worked with Senior Portfolio Manager Kurt Meyer. Mr. Turner attended the University of Notre Dame where in 1998 he graduated with honors earning a Bachelor of Business Administration in Finance. While at Notre Dame, Mr. Turner captained the soccer team and achieved Academic-All-American honors. In 1999, he joined Morgan Stanley Smith Barney as a Financial Advisor with the Meyer Group. He currently assists Mr. Meyer in the management of assets providing research and analysis. In 2003, Mr. Turner earned the Financial Planning Specialist designation and currently aids clients in various aspects of their wealth planning needs. In 2004, Mr. Turner earned the prestigious Chartered Financial Analyst (CFA ) designation. The CFA charter requires successfully completing a graduate level, self study curriculum and series of three intensive examinations taken sequentially over at least 3 years.
Pamela Pickens Pamela Pickens Senior Vice President, Wealth Management Financial Advisor Ms. Pickens is a Senior Vice President of Wealth Management at Morgan Stanley Smith Barney. It was at Morgan Stanley Smith Barney in Tulsa, Oklahoma where she began her career as a Financial Advisor in 2000. Ms. Pickens attended Oklahoma State University where she remains a loyal alumnus as well as a graduate of The Securities Industry Institute at The Wharton School of the University of Pennsylvania. Pamela joined The Meyer Group in 2003 in Tempe, Arizona and moved to Newport Beach, California in 2009 where she presently resides and works out of the Newport Beach Morgan Stanley Smith Barney location. Ms. Pickens responsibilities are to help devise and coordinate appropriate wealth strategies for high net worth investors. She aids her team in implementing integrated plans in such areas as philanthropic consultation, discretionary portfolio management, estate and financial planning and lending. Another important focus for Ms. Pickens is assisting women through life s transitional events by helping them simplify and consolidate their finances and help create a plan designed for financial security. Lisa Gomez Ms. Gomez joined Morgan Stanley Smith Barney as a Client Assistant in 1984 through predecessor firms. She attained Senior Sales Assistant status in 1994 and after completing her securities licensing, received the title of Registered Associate in 2000. Ms. Gomez is responsible for all administrative and account service, and recently earned the right to use the Financial Planning Associate designation. She currently assists clients with questions regarding personal banking through the Financial Management Account (FMA ), credit and lending, as well as Morgan Stanley Smith Barney Access (internet access). Her personal, friendly client service has garnered Ms. Gomez continued praise from clientele. Lisa Gomez Registered Associate Financial Planning Associate
A Family Office We d like to invite you to a very personal experience of global financial strength. We are a select group of financial professionals, a group that believes you as one of our most important clients are entitled to a different kind of working relationship with the firm. In fact, a different kind of relationship than you have probably encountered at any financial firm. We can bring the scope and influence as one of the world s strongest financial institutions to clients through the intensely personal experience of our offering. For our clients whose financial lives require the broadest possible scope, we are uncompromisingly committed to helping you have an experience that is easier and more rewarding.
Family Wealth Management We bring together your family and advisors to help you meet your life goals. Family Life Plan Financial Independence Retirement Planning Estate Planning Liability Issues Family Planning Financial Goals Retirement Plans Wills Goal Protection College Planning Statement of Goals Financial Plan 401(k) Beneficiaries IRAs Health Care POA Living Will Durable POA Life Insurance Review Corporate vs. Personal Child & Grandchild 529 Plans Custodial Accounts Education IRAs Investment Management Social Security Trusts Income Protection Child Living Expenses Investment Policy Manager Selection Benefits Analysis Spousal Income Living Trust Credit Shelter Special Needs Generation Skipping Residence Trust Disability Insurance Special Needs Asset Allocation Healthcare Heirs Liability Insurance Parents Stocks Bonds Cash Risk Tolerance Medigap Insurance Long Term Care Beneficiary Planning Annual Gifting Estate Transfer Transfer on Death Asset Titling Umbrella Coverage Asset Protection Long Term Care Healthcare Living Expenses Housing Tax Planning Charitable Giving Lending Needs Taxable vs. Tax Free Tax Reduction Plan Charitable Trusts Bequests Donor Advised Funds Legacy Planning Personal Business
Relationship Summary We get to know you, your family, and your dreams. Our goal is to act as your lead Advisory team. We will help you understand, create, implement, monitor, and continually access your personalized family wealth plan. We will facilitate the organization of your estate and remain focused on meeting your stated long term goals and objectives. We are a group committed to providing the professional guidance that investors seek for wealth building and financial management. Our primary objective is to place our clients interest first, thereby growing our relationship over the long term based on mutual trust, shared values and open communication. As such, we have found that three simple factors are integral to ensuring that clients get the most out of their relationship with us. Participation Your participation is vital to making the process work, so stay involved. We endeavor to provide you with timely, accurate and relevant information. We believe that the more you know, the more comfortable you ll be as you can make better-informed decisions. Communication Life s milestones getting married, having children, buying or selling a home, starting a business, and retiring can make new and different demands on your financial priorities. Keeping us involved will enable us to have some well thought-out ideas about revising your investment strategies, so they keep working hard to help you meet your new objectives. Planning We strive to fully understand your financial needs, long-term goals and lifestyle aspirations. An in-depth understanding helps us create and prudently implement tailored investment and wealth management strategies. We believe that our clients deserve a financial relationship with a team that shares their vision, earn their trust and work diligently to uncover myriad possible strategies that help them address their aspirations and create a legacy for future generations.
Wealth Management We fully leverage the best of Morgan Stanley Smith Barney to help you capitalize on opportunities and simplify the management of multigenerational needs. Structuring & Planning Asset Management Retirement planning Asset allocation Education planning Estate planning Cash flow analysis Insurance planning Fiduciary/trust services Philanthropic planning Consulting Group manager analysis and review Strategic fixed-income investing Private equity and other alternative investments Currency management Clearance custody CLIENT Risk Control & Liquidity Securities-based loans and lines of credit Tailored and specialized lending such as commercial real estate lending Hedging and monetization strategies Advice on concentrated or restricted holdings Global capital markets & trading Advisory Services Business succession and exit strategies (ESOP) Family governance and dynamics advisory Real estate advisory and lending High Net Worth lines of credit and lending; executive aircraft & art Art advisory and curatorial management
Wealth Management Process As your strategic advisors, we then assist with the plan implementation and assume the responsibility for ongoing oversight. 1 client understanding Identify client goals Gather information Complete personal wealth audit - Primary Concerns and Objectives - Current Financial and Estate Profile - Current Insurance Plan and Philanthropic Goals Complete investment policy statement - Primary Investment Objectives - Time Horizon and Liquidity Requirements - Risk Tolerance and Investment Knowledge - Return Requirements and Performance Goals 2 client meeting Clarify goals and interests Discuss possible strategies or alternatives We believe investors want to develop a relationship with a consulting team whom they trust, feel comfortable with, and who can help them organize the various aspects of their financial lives. Confirm current situation and clients desired goals for the future Begin to discuss possible scenarios for achieving clients objectives Make sure we have full understanding of clients desires and concerns 3 wealth plan development Strategize with team Develop proposal and action plan Once we have obtained the detailed personal and financial data, we complete the structure and planning process. To that end we generate a comprehensive Family Wealth Plan including the following: - Comprehensive Net Worth Statement - Investment Policy Statement - Cash Flow / Retirement / Asset Allocation Plan - Estate / Trust / Tax Plan (coordinating with your attorney/cpa) - Employee Stock Option Plan - Insurance and Liability Plan - Philanthropic Gifting Plan
4 plan implementation Create timeline Assign Execute Account structure and titling Asset Manager analysis, selection, and allocation Timing of implementation Risk controls, hedging, monetization Lending and liability strategies Banking services Execution 5 ongoing monitor and review Quarterly reviews Analyze performance Make adjustments Morgan Stanley Smith Barney Access online (24/7) Daily phone and e-mail access Quarterly review meetings Annual/semi annual face-to-face meetings Re-address goals and objectives Analyze individual investment performance We believe that wealth management is no longer just about finances. Instead, it is understanding what you want to accomplish with your affluence and helping you to manage all the complex issues raised by wealth. Knowing that difference is significant.
Value Added Capabilities Why the Meyer Group at Morgan Stanley Smith Barney? Our clients are the foundation of our practice. As such, we are committed to making a meaningful difference in their lives by guiding them to make well-informed financial decisions, helping them to attain their goals and striving to transcend their expectations. This approach has enabled us to build meaningful, long-lasting relationships with our clients and their families. Our objective is to learn the things that you value, adapt the resources of Morgan Stanley Smith Barney to support your financial needs and aspirations, as well as attain your complete confidence. Meyer Group Value Added Capabilities 50+ years of Advisory experience Educational Credentials: - CFA - CIMA Family Wealth Director Designation Personalized Portfolio Management (PM) Coordinated Service Commitment between CPA, Attorney, Financial Advisor and you Personal, Professional and Ethical Commitment Morgan Stanley Smith Barney Value Added Through Morgan Stanley Smith Barney, the Meyer Group has a global reach, financial resources, intellectual capital and technology platform which allows us to provide a comprehensive wealth management service.
Resources Our resources allow us to service virtually all our clients financial and investment needs internally, helping to simplify the financial planning process. Financial Planning Retirement Planning Estate and Trust Planning Asset Allocation Analysis Cash Flow Analysis Education Planning Employee Stock Option Analysis Asset Management CG Consulting Group Professional Money Managers MDA Multi-Disciplined Discretionary Strategies Portfolio Management Group Fixed Income High Net Worth Program Advisor Fee Based Investment Account Mutual Funds Bank Services Bank Deposit Program Financial Management Account: Check Writing, ATM, Electronic Bill Payment Travel & Rewards Program Morgan Stanley Smith Barney Access Insurance Universal/Whole/Term Life Insurance Annuities Long Term Care Insurance Disability Insurance CLIENT Lending Mortgage Loans Preserved Asset Mortgage Home Equity Lines of Credit High Net Worth Loans Tailored Lending Estate Planning Estate Preservation Services Philanthropic Gifting for Tax/Estate Planning Irrevocable Life Insurance Trusts Second-to-Die Insurance for Estate Taxes Business Services Business FMA Lending/Lending Retirement Plans: 401(k), Profit Sharing, Pension, SEP, SIMPLE Deferred Compensation Executive Financial Services Employee Stock Plan Services Exit Strategies (ESOP/Geneva) Securities Common and Preferred Stocks Bonds-Government, Corporate & Tax exempt Municipals Money Market/Certificates of Deposit (CDs) Equity Structured Products Alternative Investments Annuities
Business Owner Services We can help you value, analyze or monetize your business. Our team of dedicated professionals have developed widespread capabilities to address the fundamentals of wealth planning and the many complex issues raised by significant wealth, including preservation of assets, liquidity concerns and risk management, charitable and philanthropic pursuits, strategies for retirement and education funding as well as wealth transference and estate planning. Business Evaluation Discuss Goals and Objectives - Personal, Family, and Business Structure and Ownership Shareholder Agreement Review Management Structure Review Capital Structure Review Retirement Plan Evaluation Business Insurance Analysis Business Planning Services Business/Family Mission Statement Design Shareholder Agreement Recommendation Retirement Plan Recommendation Business Continuity and Succession Planning Business Valuation and Liquidity Plan Monetization Strategies Wealth Transfer Strategies & Recommendation Trust Services
As further described in the offering documents, an investment in alternative investments can be highly illiquid, are speculative and not suitable for all investors. Investing in alternative investments is only intended for experienced and sophisticated investors who are willing to bear the high economic risks associated with such an investment. Investors should carefully review and consider potential risks before investing. Certain of these risks may include: loss of all or a substantial portion of the investment due to leveraging, short-selling, or other speculative practices; lack of liquidity in that there may be no secondary market for the fund and none is expected to develop; volatility of returns; restrictions on transferring interests in the Fund; potential lack of diversification and resulting higher risk due to concentration of trading authority when a single advisor is utilized; absence of information regarding valuations and pricing; complex tax structures and delays in tax reporting; less regulation and higher fees than mutual funds; and manager risk. Individual funds will have specific risks related to their investment programs that will vary from fund to fund. Actual results may vary and past performance is no guarantee of future results. Morgan Stanley Smith Barney LLC and its affiliates do not provide tax or legal advice. To the extent that this material or any attachment concerns tax matters, it is not intended to be used and cannot be used by a taxpayer for the purpose of avoiding penalties that may be imposed by law. Any such taxpayer should seek advice based on the taxpayer s particular circumstances from an independent tax advisor. Insurance products are offered through SBHU Life Agency, Inc. Since life insurance and long-term care insurance are medically underwritten, you should not cancel your current policy until your new policy is in force. Your actual premiums may vary from any initial quotation you receive. A change to your current policy may incur charges, fees and costs. A new policy may require a medical exam. Surrender charges may be imposed and the period of time for which the surrender charges apply may increase with a new policy. You should consult with your own tax advisors regarding your potential tax liability on surrenders. A Morgan Stanley Smith Barney relationship does not have to be established or maintained to obtain the products or pricing offered as part of the Morgan Stanley Smith Barney Home Loan Program at Citibank. Home equity programs not available in AK. A default (stopping monthly payments) on a mortgage could result in the loss of pledged real estate, securities or both. Our policy does not permit clients to use the proceeds of a home loan to invest in the securities or related markets. Your Financial Advisor may receive compensation in connection with this lending program. Aff iliates of Morgan Stanley Smith Barney may earn fees in connection with the funding, origination, and sale of a loan. All home loans and lines are made by Citibank, N.A., or CitiMortgage, Inc., equal housing lenders, and are subject to Citibank s and CitiMortgage s mortgage qualif ications. CitiMortgage does business as Citicorp Mortgage in NM. Citigroup Global Markets Inc., Citibank, N.A, and CitiMortgage, Inc., are subsidiaries of Citigroup Inc. All commercial loans and lines are made by Citibank, N.A., equal opportunity lender. All credit products are subject to satisfaction of Citibank s underwriting guidelines and credit approval. Banking and credit products and services are provided by Citibank, N.A. (Member FDIC) and/or its banking or lending aff iliates. Minimum balances and/or fees may apply to certain products see your banker for details. Borrowing against securities may not be suitable for everyone. If the value of the securities should decline below a minimum level, you may be subject to a collateral call without specif ic advance notice, requiring you to deposit additional cash or securities. If you cannot do so, all or a portion of your collateral could be liquidated, and a potentially taxable event could result. You are not entitled to choose which securities are sold or any extension of time to meet a collateral call. A concentrated portfolio holding a single or a few securities may be subject to greater risk of a collateral call than a diversif ied portfolio; a diversif ied portfolio will tend to be less subject to a sharp decline resulting from the negative performance of a single security. Availability, qualif ications, and other restrictions may vary by state. Ask your Financial Advisor for details. Morgan Stanley Smith Barney LLC. Member SIPC. 12/09