KBB Wealth Management at Morgan Stanley Smith Barney
601 Union Street Suite 5200, Seattle, Washington 98101 206-628-4862 / Main 800-426-7837 / Toll-Free 206-628-4425 / fax fa.morganstanleyindividual.com/ kbbwealthmanagement
KBB Wealth Management at Morgan Stanley Smith Barney As the financial world becomes more complex and investment choices multiply, careful planning becomes ever more important to helping you achieve your financial goals. As Financial Advisors, our role is to work with you to help you develop a plan that lays out a clear path to your goals a plan that we develop in collaboration with you, and one that you can follow with confidence in the face of the market s ups and downs. Together, we will explore a broad range of topics that are likely to influence your financial future from your family situation to your career aspirations, from likely education expenses to the retirement you ultimately envision. What we learn will become the foundation for a financial and investment strategy based on who you are and where you want to go. Only then will we talk with you about the details of investing: how much risk makes sense, your asset allocation, and which investments are right for your portfolio. But that s just the beginning. Over time, we will revise your plan to reflect new aspirations and priorities, helping your plan keep pace as the markets change and your life unfolds. KBB Wealth Management 3
Meet the Professionals Left to right: Todd Kelly, Kristen Buxton, Matt Bridge 4 Morgan Stanley Smith Barney
Matt J. Bridge, CFP Family Wealth Director Senior Vice President Todd C. Kelly, CFP, CIMA Family Wealth Director Senior Vice President Kristen H. Buxton, CFP, CLU Family Wealth Director Vice President Matt Bridge is a Senior Vice President and Senior Investment Management Consultant for KBB Wealth Management at Morgan Stanley Smith Barney. Matt has achieved the designation of Family Wealth Director, a title earned by less than 200 advisors at the firm that have continuously demonstrated experience and in-depth expertise in advising families with significant wealth. Matt and his team are able to offer experience in comprehensive financial planning. Matt works extensively with key corporate executives and officers helping to provide liquidity and diversification strategies for concentrated stock positions, retirement and cash flow analysis, wealth transfer and philanthropic planning. Matt s community interests include serving as the treasurer for McGilvra Soccer and Friends of Madison Park. He also coaches two soccer teams. He enjoys all sports, particularly running and skiing. His most enjoyable time outside of the office is spent with his wife and two young, energetic children. Todd Kelly is Senior Vice President of Wealth Management and Family Wealth Director for for KBB Wealth Management at Morgan Stanley Smith Barney. Additionally he holds both the Certified Financial Planner TM (CFP ) and the Certified Investment Management Analyst (CIMA ) designations. For the last 15 years he has focused in providing holistic and comprehensive wealth management for high and ultra-high net worth families. Todd works closely with clients to develop cost efficient investment strategies that are individually suited for each family s needs. A native of Wyoming, Todd graduated Phi Beta Kappa and Magna Cum Laude with his BS degree in Finance from the University of Wyoming in 1992. He is a member of the Seattle Alliance of Angels, a local early stage investment group. Todd s current community interest extends to board membership with Banchero Friends Services, an organization which assists the developmentally disabled. He is also on the Planned Giving Council for The Seattle Humane Society. Todd s passions include backpacking, mountain biking, hiking and skiing. He also enjoys golf and is an avid reader. A Certified Financial Planner TM, Kristen has spent the past 16 years in the financial service industry helping affluent individuals and families in all aspects of financial management, including comprehensive estate planning, trust services, liquidity analysis and philanthropic endeavors. Kristen is a Family Wealth Director within Morgan Stanley Smith Barney, which puts her among an elite category of financial advisors qualified to assist those in the ultra high net worth arena. Prior to joining Morgan Stanley Smith Barney in 2011, she spent 7 years as a Private Wealth Advisor at UBS Financial Services. Prior to UBS Financial Services, Kristen worked at Merrill Lynch where she served in the estate planning group for the Pacific Northwest District. Kristen became a Certified Financial Planner TM, CFP in 2003 and a Chartered Life Underwriter, CLU in 2007. She is an active fundraiser for the Uncompensated Care Fund at Seattle Children s Hospital and Eastside Domestic Violence Program. Kristen lives with her husband and two step-daughters in Kirkland, Washington and likes to spend her free time cooking, gardening and spending time with her family. KBB Wealth Management 5
Jason M. Auten Financial Advisor Terri M. Williams Registered Client Service Associate Jamie J. Price Client Service Associate Jason Auten is a Financial Advisor with KBB Wealth Management at Morgan Stanley Smith Barney and has over 10 years of experience in the financial services industry. Prior to joining the firm, Jason was an Assistant Vice President at Wells Fargo Advisors. At Wells Fargo, his role was to advise and educate financial advisors as to which investment solutions were best suited for their high net worth clients. He began his investment career at Eaton Vance in Boston after graduating from the University of Wisconsin - Madison. Jason focuses in wealth planning, with an emphasis on investment strategies, asset allocation, and capital market education. His practice is primarily focused on working with business owners, entrepreneurs, and executives in the technology sector. Outside of the office, Jason is an avid sports fan and enjoys playing tennis and traveling. He also enjoys spending time with his wife and young son. Terri has spent the past 19 years in the financial service industry working as a client service associate helping individuals in all aspects of client service. Terri prides herself in helping to make sure that clients needs are met in a timely fashion and she work closely with clients CPA s, Attorney s and Financial Advisors to make sure that everyone is working together in the best interest of the client. With 19 years in the industry, she is exceptional in dealing with any issues that might arise. Terri is Series 7 and Series 66 registered. Prior to joining Morgan Stanley Smith Barney, Terri worked as a client service associate at a wholesale sportswear company for 8 years. In here spare time, she loves spending time with her two daughters and four grandchildren. She is also a Girl Scouts volunteer and training facilitator for the Girl Scouts of Western Washington and she volunteers for Relay for Life. Jamie graduated from the University of Washington where she earned a degree in Economics. Since graduating from college, Jamie started her career at Morgan Stanley Smith Barney in various client service roles. Previously she interned at Waddell and Reed, where she worked closely with numerous financial advisors. While studying at the University of Washington, she also interned with the Operational Risk Management team at Barclays Bank in London. In her spare time, she enjoys both playing and watching sports. Recently she joined a co-ed basketball team. Along with basketball, in the winter she is an avid skier and in the summer she plays golf as well as soccer. 6 Morgan Stanley Smith Barney
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A Consultative Process Charting a prudent course to financial independence requires a well-conceived, personalized financial plan with defined, long-term goals. Our consultative wealth advisory process was developed to help generate that plan. Its key steps are designed to result in a broad, cohesive plan for your financial future. 1 We will begin by discussing what matters most to you and what you want to accomplish with your wealth. In addition to your finances and investments, we will talk about you, your values, lifestyle, your worries and what you are passionate about. 8 Morgan Stanley Smith Barney
Discover Review 4 We will review your portfolio together at your request. And when your circumstances change, we will work with you to revise your strategy and reposition your assets to reflect your new needs and goals. Analyze Implement 2 We will analyze your personal and financial information, assess risks, and identify potential threats to your financial health. Then we will present you with a comprehensive plan to address your income and cash flow needs, borrowing requirements, asset protection, retirement planning, wealth transfer and philanthropy goals. 3 Our objective approach to implementing your plan will pay special attention to how its various aspects can affect, enhance and integrate with each other. When appropriate, we will suggest seeking additional, in-depth advice on particularly complex planning, financial and family issues we have identified. KBB Wealth Management 9
For Life s Most Important Goals With an experienced professional 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 insight into your needs with the resources of Morgan Stanley Smith Barney. 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 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 Structured investments Separately managed accounts 10 Morgan Stanley Smith Barney
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. 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 Smith Barney. Credit facilities Cash management Retirement plans Strategic consulting and transactions Succession planning Insurance 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 Securities-backed loans KBB Wealth Management 11
Morgan Stanley Smith Barney 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 Smith Barney 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. Morgan Stanley Smith Barney 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. Tax Laws are complex and subject to change. Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Smith Barney 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. Individuals are urged to consult their personal tax or legal advisors to understand the tax and related consequences of any actions or investments described herein. Morgan Stanley Smith Barney LLC ( Morgan Stanley Smith Barney ) is a registered broker-dealer, not a bank. Where appropriate, Morgan Stanley Smith Barney 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 Smith Barney, member SIPC, 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. 2011 Morgan Stanley Smith Barney LLC. Member SIPC. 6805078 09/11 12 Morgan Stanley Smith Barney