James R. Cotto Corporate Client Group Director Senior Vice President Senior Investment Management Consultant Wealth Management for Entertainers and Professional Athletes
2000 Westchester Ave 1NC Purchase, NY 10577 914-225-4857 / MAIN 866-938-4044 / TOLL-FREE 914-206-3843 / FAX http://www.morganstanley.fa.com/james.cotto James.Cotto@morganstanley.com
James R. Cotto Corporate Client Group Director Senior Vice President Senior Investment Management Consultant Focusing on Unique Needs of Entertainers and Professional Athletes As an entertainer or professional athlete, your wealth management needs are unique. As an entertainer, your earnings may ebb and flow throughout your career. As a professional athlete, your earnings may be greater in the earlier part of your career. You may also need to think about your post-playing career; something many active players find difficult to do. Perhaps most important of all is that you are a brand. Everything you do impacts that brand. You need a wealth manager who will assist you with protecting your brand, including financial education, private banking, lifestyle management foundations and philanthropy, entrepreneurial opportunities, real estate management, appearances and marketing. I understand your situation because I work with many entertainers and professional athletes. I know how to work with you and collaborate with your other advisors to manage your wealth, both today and for the future. I have a vast network of clients and trusted associates who can help identify opportunities for you to pursue. JAMES R. COTTO 3
My Background James R. Cotto Corporate Client Group Director Senior Vice President Senior Investment Management Consultant James began his career as a financial advisor in 1988 at First Albany Corporation before joining Merrill Lynch in 1991. In 2001, he decided to move his practice and joined Wachovia Securities as a Managing Director, Investment Officer. In April 2009, he joined Morgan Stanley. From 1995 to 2004, James assisted the New York State Office of Mental Retardation and Developmental Disabilities ( OMRDD ), the nonprofit corporation servicing this state agency and families of children with disabilities. As a result of his efforts, James was formally appointed by Merrill Lynch as the spokesperson for their Families of Children with Disabilities program. He has been featured on local, national and syndicated shows such as Money Talks and Good Day New York. In 2009, Barron s Magazine recognized James as one of the top 1,000 advisors in the nation, and ranked him in the top 65 financial advisors for the state of New York. James is a graduate of Rutgers University in New Brunswick, New Jersey. He currently resides in Cross River, New York and loves spending as much time as possible with his wife, Cory, and their three children, Carol Ann, Raymond and Lucy. James and his wife share a passion for raising awareness for Operation Smile, an international charity that corrects facial deformities in children, because their youngest child was born with a cleft palate. They currently sit on the Benefactors Committee in New York City and continually strive to ensure that every child is given the opportunity to smile. JAMES R. COTTO 5
Achieving Your Dream Only a few entertainers and professional athletes achieve their dreams. This was your ultimate goal. How are you leveraging current success to enhance your future? Below are just a few of the questions that should be brought to your attention by our management team. If they are not, then you are not getting the right advice. - How are you building your brand? - Who are you surrounding yourself with? - Who are your trusted advisors (wealth advisor, CPA, attorney, and marketing organization?) - How are they all working together and protecting your wealth (asset management liability management, insurance needs)? - Do you understand the risks and costs associated with your investments? - Do you have a wealth plan with a budget? - What decisions are you making in your personal and business life to further your career or position yourself for your next opportunity? - How are you giving back to the community you came from? - What is your passion in terms of a charitable focus? I BELIEVE THAT IN ALL ASPECTS OF LIFE, THOSE WHO FAIL TO PLAN, PLAN TO FAIL. 6 MORGAN STANLEY
What Makes Me Different? For more than 25 years, I have been responsible for overseeing my clients entire financial universe. This is particularly true for my entertainment and professional athlete clients, since all financial decisions are connected to each other. I strive to understand and define your goals, then work with you to help achieve them. Diverse Skills and Deep Specialties I provide a wide array of advice and assistance to my clients and continually strive to exceed their highest expectations. I offer specialized knowledge in such topics as: - Financial planning - Business planning - Estate and trust services - Philanthropic services - Lending services - Cash management - Risk management - Foundation counseling High-Touch Services I provide a great deal of focus and attention to each client family. By adhering to a rigorous process, I am able to deliver a menu of complex services in a consistent manner. As a client, you will receive integrated reports that facilitate big picture decision making, as well as quarterly reviews. You will also benefit from relationship pricing across your family group, as well as consistent, integrated, comprehensive services that consider the short- and long-term goals of your entire family. Customized Approach and Confidentiality My multi-family office approach offers integrated, interdisciplinary services to high net worth individuals and families. I provide customized service and confidentiality at the highest level. I can function as your center of influence, as I am focused on asset protection, cost control, financial education, family philanthropy and a host of other needs. Combined with the global resources of Morgan Stanley, I can offer you and your family the kind of deep, holistic wealth management that will help you achieve your financial goals. Comprehensive Capabilities I don t just believe in offering products and services, but providing solutions for my clients. I am committed to providing skills and capabilities, creatively integrating specialized services that may extend far beyond those of other advisors. Essentially, the goal is to provide whatever financial information that will help meet your defined objectives. Post-Career Advice and Service As an entertainer or professional athlete, you may face a time when your dream career is over. What will you do then? Entertainers and professional athletes have a multitude of options, depending on their interests. I can advise you on any option you have and how it may align with your interests and goals. Your entertainment and athletic career may have a shelf life, but your relationship with me will be a part of your life for as long as you wish. Multi-Generational Planning I typically work with an entire family the patriarch/matriarch, their children and grandchildren. Planning encompasses the family s goals, which usually include passing wealth down to the next generation in a taxefficient manner. Children and grandchildren are clients and are counseled on investments, estate planning, and philanthropy from an early age. We often coordinate and moderate family meetings for our clients. 8 MORGAN STANLEY
Benefits to My Approach Here is a sample of the services I can provide: -Confidentiality in the management of your financial and personal affairs -Cross-fertilization of ideas resulting from solving issues for multiple families -Access to a wide array of integrated services -Multiple platforms for alternative investment options -Strategies that are customized for each household -Objective financial advice -Close coordination with your other advisers -Integration of estate planning, investments, philanthropic goals and family situations -A comprehensive planning process -Disciplined, proactive management of client affairs -A focus on continuity of family wealth across generations and branches -A strong commitment to education about responsibilities of ownership -Coordinated teams of qualified professionals who can collaborate on your wealth management matters -Experience in managing generational transitions -Relationship pricing for inter-disciplinary services -Trustee services -Coordination of professionals -Risk management and asset protection consulting -Cash management -Global asset allocation and investment strategy consulting -Alternative investment manager selection and monitoring -Selection and monitoring for accredited investors -Portfolio management -Comprehensive performance reporting -Estate planning -Philanthropic planning -Life insurance analysis -Debt structure and analysis -Financing -Foundation management -Family business advisory services -Family counseling / family meetings -Sufficiency and retirement planning 10 MORGAN STANLEY
Financial Advisors have access to TOP-FLIGHT RESEARCH from Morgan Stanley Research tracking the progress of more than 3,000 companies all over the world. 3,000 global companies tracked 50+ Global Investment Committee members Morgan Stanley is one of the only firms that has a SALES AND TRADING business dedicated exclusively to serving the needs of our wealth management clients. 175 independent capital markets professionals Morgan Stanley has one of the most comprehensive MANAGER DUE-DILIGENCE teams in the industry. With a team of more than 25 professionals covering 1,000 investment products quarterly, we deliver advice on more assets than any other investment firm. 1,000 investment products For qualified investors, a team of 18 dedicated alternative investments due diligence professionals tracks more than 100 ALTERNATIVE INVESTMENT strategies. 25+ investment manager research professionals 100 Investment Strategies 18 dedicated alternative investments due diligence professionals
MORGAN STANLEY WEALTH MANAGEMENT: A COMMITMENT to EXCELLENCE Over the years, you have made many decisions. One in particular is likely to have a lasting impact on your well-being and that of your family: the choice of a Financial Advisor. Investors choose to work with Morgan Stanley because the firm and its Financial Advisors mirror the values that instill their own success: a commitment to perform at the highest level, with no shortcuts, compromises or excuses. For nearly 80 years, our firm has been a leader, innovator and partner for successful individuals and their families, as well as corporations, foundations and endowments. Our Financial Advisors work from an extensive knowledge base built on diverse skills, experience, training and professional interests. They take time to understand your most important goals and have the resources to help you navigate volatile markets and changing life circumstances. They can help select the insights that are most meaningful for your portfolio from the daily barrage of market data and opinion. Behind every Financial Advisor stands Morgan Stanley. In planning and executing strategies that can help you attain your objectives, our Financial Advisors can draw on our resources and intellectual strength as a global financial services leader. Whatever your financial goals, and however you prefer to pursue them, Morgan Stanley offers you insights and a wide range of capabilities to help meet your unique needs. Who can draw on the resources of a firm with many years of experience to help you define your unique needs, preferences and aspirations? Your Financial Advisor can help you meet your goals by delivering the right resources to you in the way that is most appropriate for how you invest and what you want to achieve. MANAGING PERSONAL WEALTH TO INSTITUTIONAL STANDARDS. As an individual investor at Morgan Stanley, you can benefit from the market and investor insight, global presence and analytical rigor that drive our institutional relationships. For example, you will have access to the investment ideas and analyses of one of the largest capital markets desks dedicated to individual investors. THE KNOWLEDGE TO GET IT DONE. We understand that there are almost as many approaches to managing wealth as there are portfolios to invest. We also know the value of true investment insights in a world flooded with information and stirred by constant change. Our firm has an in-depth understanding of virtually all the challenges, goals, preferences, styles and strategies that distinguish wealthy investors. Additionally, as a truly global financial institution, we have an equally acute knowledge of financial opportunities and the potential risks. This combination positions our Financial Advisors to help develop, structure and execute strategies for your most important financial needs, from accumulating wealth to investing for income, from seeking retirement security to devising a distribution approach that meets your lifestyle and legacy goals. At the same time, we invest in innovative tools that help simplify your financial life on a day-to-day basis. Please read important disclosures on the back cover of this brochure CRC562867 CS 7954030 07/14
About James R. Cotto and Morgan Stanley Morgan Stanley strives to offer its 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 the 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. 5413050 10/2014 CRC 6811166