The Schwamb O Day Group Tailored Advice that Delivers Results A team of highly regarded wealth management professionals, the Schwamb O Day Group at Morgan Stanley provides custom-tailored advice and guidance, specialized experience and investment solutions to address the specific needs of: Corporate Retirement Plans Not-for-Profit Organizations Foundations & Endowments Small Business Owners High Net Worth Individuals & Families Our Mission-Based Philosophy Our practice is defined by our laser-focused approach to helping our clients achieve their goals, aligning their investments to reflect their values. Simply put, our mission statement is to enable Americans to retire on their terms with dignity. Thought Leadership and Forward Thinking We know how to get to the heart of the strategic issues facing our clients and equip them to make informed, confident decisions. Our exposure to a diverse range of clientele and industries informs our guidance and enables us to bring fresh ideas, challenge traditional thinking and incorporate a sophisticated framework into the strategies and solutions we provide. What s more, our involvement with industry leadership organizations, such as National Association of Plan Advisors (NAPA), PLANSPONSOR, PLANADVISER, and The Plan Sponsor University (TPSU), provides our clients with up-to-date, cutting-edge information helping to ensure the realization of their retirement goals and aspirations. A Commitment to Excellence Our clients believe, as we do, in the importance of building deep and long-lasting relationships with their advisors. They deserve and expect a team of experienced professionals who shares their vision, earns their trust and works diligently to create a customized financial roadmap that is designed to achieve financial success. They have learned to depend on our deep understanding of the world s financial markets. And, above all, they have grown to appreciate our commitment to excellence, which has become the trademark of our practice. The Schwamb O Day Group 855 Franklin Avenue Garden City NY, 1153 1
Richard S. Schwamb, C(k)P Corporate Retirement Director Senior Vice President Financial Advisor Phone: 516-227-2958 Email: richard.schwamb@morganstan.com John O Day, CRPC Corporate Retirement Director Senior Vice President Financial Advisor Phone: 516-227-2959 Email: john.oday@morganstanley.com Richard Glasser Financial Advisor Phone: 516-227-2985 Email: richard.glasser@morganstanley.com Lisa Jacaruso-Brennan Registered Senior Client Associate Phone: 516-227-2932 Email: lisa.jacaruso-brennan@morganstanley.com 2
Consulting Services from a Market Leader Institutions, nonprofits and high net worth private clients all face unprecedented challenges in today s financial environment complex regulations that change frequently, escalating expenses that detract from investment returns and global forces that shape market behavior. Investment committees often hire consultants to help them navigate these challenges, but sometimes find they don t receive the attention they were promised. At the Schwamb O Day Group at Morgan Stanley, we purposely focus on a select group of clients, so that we may dedicate the time, attention and superior service they each deserve. Every solution is fully customized to our clients needs and no two programs are ever alike. A Distinct Alternative At the Schwamb O Day Group, we combine the vast resources of a premier global firm with the personalized service of experienced wealth management consultants who have spent their entire careers advising individuals and institutions throughout the tri-state area and across the United States. Together, Richard Schwamb and John O Day have more than 40 years of experience in their previous roles as Corporate Treasurers and Controllers for Fortune 1,000 companies. What s more, they are consistently recognized nationally as one of the top retirement plan consultants in the country by several third-party industry organizations, including 401(k) Wire and PLANSPONSOR Magazine. World Class Retirement Plan Services Many of the most highly regarded organizations in the country have turned to us to provide comprehensive consulting services for their retirement plans. Our clients know they can depend on us to provide a world class experience, assisting them with their fiduciary responsibilities as a plan sponsor, while providing top-notch service to them and their employees. 3
Over time, we are truly seen as an extension of our clients leadership teams and their Human Resource departments, being called upon regularly to provide guidance on all types of financial questions from the very large to the very small. We deliver all of our services within today s ever-expanding and complex ERISA guidelines. An Unparalleled Commitment to the Retirement Marketplace In 2015, we were proud to join forces with Morgan Stanley, one of the largest investment advisory firms in the world, to provide our clients with enhanced flexibility, pricing and cuttingedge technologies. Over the past 40 years, Morgan Stanley has positioned itself as a world leader in investment consulting services for retirement plans. In fact, many of the most well regarded organizations in the country and the world have turned to Morgan Stanley for their industry-leading innovations, best practices and commitment to this market. We are excited to be part of the Morgan Stanley family, where we can continue to provide our clients with state-of-the-art services and what we believe to be unparalleled fiduciary oversight capabilities with a firm with $2 trillion in assets under management as of September 2017 that stands with us and our clients. The Total Client Experience In addition to our retirement benefit services, we are proud of the customized financial solutions we deliver to our high net worth individuals and families. Our wealth management approach is focused not only on helping you articulate your goals, but also on reviewing all aspects of your financial life how to preserve wealth, how to build it and how to leave the legacy you desire. And our investment platform is carefully structured to provide you with the tools and resources necessary to succeed in today s fast-paced global market and to ensure your assets will be there when needed no matter how long you live. Going the Extra Mile At the Schwamb O Day Group, our passion for our clients and their success is the cornerstone of our business philosophy. As seasoned wealth management professionals, we take pride in always going the extra mile to make a real difference in our clients lives. We come to work every day engaged in making a real difference in the lives of the people and organizations with whom we work. There s a reason our clients hire us and remain with us, some dating back to when we first established our practice more than 20 years ago. We believe if you hire us, we will be the last wealth management firm you will ever need to hire. 4
Richard S. Schwamb C(k)P Corporate Retirement Director Senior Vice President Financial Advisor Richard Schwamb is a Senior Vice President, Financial Advisor and Corporate Retirement Director at The Schwamb O Day Group at Morgan Stanley. Richard is among a select few of financial advisors at Morgan Stanley to earn the Corporate Retirement Director title. He has over 18 years of experience providing customized services to meet the specific needs of retirement plan sponsors and participants alike. His extensive knowledge in 401(k), 403(b), Profit Sharing, ESOP, and Non-Qualified Deferred Compensation plans has earned him recognition throughout the retirement plan industry. Richard also provides a wide range of executive financial planning services. Prior to joining Morgan Stanley, Richard spent nearly 16 years at Merrill Lynch as a leader in corporate retirement plans. He sat on Merrill Lynch s Retirement Plan Financial Advisory Board and was selected by the firm as a Retirement and Philanthropic Services Financial Advisor because of his focused experience in defined contribution and defined benefit plans. Richard has been recognized as one of the industry s top 50 Retirement Plan Advisors in the country by 401(k) Wire for two years in a row, and was named one of the Top 100 Retirement Plan Advisors by PLANSPONSOR Magazine for 2012, 2013, 2014 and 2015. Richard joined Merrill Lynch in 1999, following a 20-year career as a Corporate Treasurer and Controller for Fortune 500 and 1,000-type companies. He is credited with starting one of the first 401k plans in the State of New Jersey. Richard s extensive experience in corporate America brings valued insight to the over 200 companies and organizations he services across the country. An alumnus of the Kings College in Pennsylvania with a B.S. degree in Business, Richard has continued to invest in his education throughout his long and rewarding career. In 1988, he earned his Masters of Finance degree from Pace University, and in 2013, he received his C(k)P designation from The Retirement Advisory University. Richard also earned the prestigious accreditation of Accredited Retirement Plan Consultant from the Society of Professional Asset Managers and Record Keepers in 2008. Richard s commitment to his community is reflected in his work with local non-profits and his involvement in philanthropy. Richard currently serves as Chairman of the Long Island chapter of Financial Executives Networking Group (F.E.N.G.). He is also an active supporter of The Butch Mancini Memorial Scholarship Fund, Minority Athletes Networking (M.A.N.) and George Martin s 9/11 Foundation. A native of Greenwich, CT, Richard currently resides in Bellmore, NY, with his wife, Stacey, and their three children. When he is not working directly with his clients, you can find him spending quality time with his family. In his leisure time, Richard enjoys travel, skiing, fishing and hunting. The list is based on almost 4,000 nominations from the industry and The 401(k) Wire editorial staff. The final list was selected based on reader votes as well as input from last year s Top 60 Advisors and from distributors working with the advisors, and an analysis of objective criteria including statistics about the advisors practices gathered directly from the nominees. From this list, the Top 50 Advisors were chosen from each of 5 market segments (divided by plan size). 5
John E. O Day, CRPC Corporate Retirement Director Senior Vice President Financial Advisor John O Day is a Senior Vice President, Financial Advisor and Corporate Retirement Director at The Schwamb O Day Group at Morgan Stanley. For more than 17 years, John has been providing highly customized advice, investment solutions and financial planning services to high net worth individuals, multi-generational families, small business owners, and corporate retirement plans in the New York City metro area. Over the years, John has earned the reputation of truly understanding his client s needs. He prides himself on the relationships he has nurtured during his tenure in the financial services industry, and strives to deliver an exceptional experience to his clientele, serving as their chief advocate. His ultimate goal is to develop a comprehensive portfolio that integrates their unique risk/return profile with estate conservation and tax planning strategies to help them achieve their financial goals and leave the legacy they desire. Prior to joining Morgan Stanley in 2015, John worked at Merrill Lynch for 15 years as a Senior Financial Advisor and Certified Financial Manager. Before joining Merrill Lynch, John worked in the Corporate Treasury departments of three Fortune 500 firms, including Standard Brands, Nabisco and Marsh & McLennan. This collective experience has given John a diverse set of skills and expertise that he has incorporated into his wealth management practice over the years. John is a graduate of Manhattan College with a Bachelor of Arts degree in English. He received his M.B.A. in Finance from Fordham University. He is actively involved in several non-profit and industry organizations, including Team In Training for the Leukemia and Lymphoma Society, and currently serves on the Leadership committee of the New York City Chapter of Financial Executives International. A current resident of Rockville Center, John and his wife of 36 years, Regina, have three children, Connor, Michael and Aiden. When he is not working directly with his clients or guiding the organizations he supports, you can find him spending quality time with his family. He enjoys the beach, CrossFit training and is an avid New York Rangers hockey fan. 6
Richard Glasser Financial Advisor Richard Glasser is a Financial Advisor at the Schwamb O Day Group at Morgan Stanley. With more than 19 years of experience as a wealth management professional, Richard has dedicated his entire career to helping clients simplify their financial lives. Richard is committed to long-term relationships and strives to deliver objective advice and demonstrated financial knowledge through exceptional client service. He listens carefully to his clients goals, values and concerns and works tirelessly to help them achieve their personal and financial objectives. Prior to joining Morgan Stanley in 2015, Richard worked at Merrill Lynch and UBS. He became a member of the Schwamb O Day Group in 2009 and is an important member of the Group s leadership team. Richard s philosophy is centered on having a focused plan and following a proven process for his clients. His investment recommendations follow suit. He believes in a disciplined approach to investing through asset allocation and diversification. Growing up in Queens, Richard graduated from the School of Visual Arts in Manhattan, where he earned a Bachelor of Fine Arts degree. He and his wife, Patricia, currently reside in Wantagh, NY with their three children, Benjamin, Jonathan and Matthew. A devoted father, Richard enjoys spending quality time with his family. In his leisure time, he enjoys travelling and listening to the Beatles. 7
Lisa Jacaruso-Brennan Senior Registered Associate Lisa Jacaruso-Brennan is a Registered Senior Client Associate at the Schwamb O Day Group at Morgan Stanley. Drawing on nearly 27 years of financial services experience, Lisa leads all aspects of the Garden City Group s business management and client servicing activities and plays an integral role on their leadership team. Lisa is responsible for driving all initiatives to ensure clients have an exceptional service experience. She works diligently with the entire team to build a sustainable infrastructure and solid foundation to meet the sophisticated needs of the Group s dynamic clientele. Prior to joining Morgan Stanley in 2015, Lisa worked at Merrill Lynch. She began her professional career in financial services as a Financial Advisor at an independent brokerage firm for 17 years. She is proud to bring her previous investment experience and knowledge of operations to deliver a distinct level of service and personal attention to her clients. Lisa shares in the team s passion for taking an active leadership role in her local community. She is an active member of Operation Splash, a volunteer non-profit organization dedicated to keeping costal waterways pollution-free and allowing marine life to thrive in the bays. A lifelong Long Islander, Lisa earned her B.F.A. in Journalism from CW Post Long Island University. She and her husband, Tom, currently reside in Freeport, NY. In her free time, she enjoys playing golf. 8
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. 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. Source: PLANADVISER.com, January 2014, PLANADVISER s 2014 Top 100 Retirement Plan Advisers. To be considered for this list, advisers had to either submit information and references or be nominated and enter the award process for 2014 PLANSPONSOR Retirement Plan Adviser of the Year individual, team or multi-office team. Award nominations were solicited online from retirement plan advisers, their employers and/or broker/dealers, and plan sponsors, as well as from working partners of the advisers, such as investment vendors, accountants, attorneys and pension administrators. Nominees were then asked to complete a form, providing various details about their practice. Advisers could also, for the first time, submit such information unsolicited, although not to be considered for the awards. The PLANSPONSOR Retirement Plan Adviser and Adviser Team of the Year awards are based on both qualitative and quantitative factors. The most successful lists are drawn solely from a smaller set of quantitative factors and information supplied by the advisers themselves. Due to the differences in evaluation factors, finalists for the PLANSPONSOR Retirement Plan Adviser and Adviser Team of the Year awards are not necessarily included on the "Top 100" listing. Neither Morgan Stanley Wealth Management nor its Financial Advisors pays a fee to Plan Sponsor / Plan Adviser in exchange for the rating. Morgan Stanley Smith Barney LLC. Member SIPC. 9