The Veritas Group at Morgan Stanley Truth to Earn Your Trust
7124 W. Central Avenue Toledo, OH 43617 419-842-5300 / MAIN 800-458-1066 / TOLL-FREE 419-842-5370 / FAX www.morganstanleyfa.com/veritasgroup
The Veritas Group at Morgan Stanley As Financial Advisors, our role is to help you use your wealth to achieve what is most important to you. That may mean providing an education to children and grandchildren, buying a vacation home, meeting the special needs of a family member, retiring ten years early the list is endless, and the decision is uniquely your own. Together, we will explore your aspirations and the life you envision. We will work with you to translate your goals into a specific investment objective and personalized investment strategy. And then, drawing on the team s experience and perspective informed by the insight and resources of one of the world s largest financial firms we will structure a portfolio for you, executing and refining that strategy to help bring you closer to your definition of investment success. In short, your goals become our focus, and achieving them becomes a commitment that we share. THE VERITAS GROUP 3
Meet the Professionals The Veritas Group 4 MORGAN STANLEY
Robert M. Fox, III, CFP, CRPC Senior Vice President Financial Advisor Rob started in the business in 1987. He works with individuals, professionals, small business owners and select non-profit organizations. Rob is a Certified Financial Planner and has an emphasis in financial planning, retirement planning, business retirement plans and asset management. He is also a Charter Retirement Planning Counselor SM and a Charter Retirement Plans Specialist. He has a degree in finance from the University of Toledo and attended St. John's High School after growing up in Sylvania. Rob is currently President of the Rotary of Perrysburg and is active with the Humane Society. He has served on the board of the Epilepsy Center of Northwest Ohio, Goodwill Industries, and committees including the Toledo Museum of Art and the American Cancer Society. Rob and his wife Kristi live in Perrysburg with their two boys, Matthew and David. Craig Thistlethwaite Senior Portfolio Manager First Vice President - Wealth Management Financial Advisor Craig entered the investment business in 1994. He works with individuals, professionals, and small businesses. Craig has an emphasis on Financial Planning, Asset Management and Retirement Plan Rollovers. Craig has a degree in Finance from the University of Toledo with specialization on investment and risk management. He devotes time every year to attend seminars and workshops on Estate Planning, Alternative Investments, and Comprehensive Wealth Management. He is involved in his church and the Rotary Club of Perrysburg. Craig and his wife, Kimberly live in Perrysburg with their three boys, Mitchell, Cohen, and Jack. THE VERITAS GROUP 5
Wallen L Crane Senior Vice President Financial Advisor Wallen (Buzz) Crane began his career in the financial industry in 1972. In 1987, he founded what is now the Morgan Stanley office on Central Avenue in Toledo. From 1993 through 2001, he served as Executive Vice President and Regional Director for our Firm. He has served as President of the Bond Club of Toledo, President of the Financial Analysts Society of Toledo, President of the Catholic Foundation, Chairman of the Diocesan Development Fund Drive, Vice Chairman of the Medical College of Ohio Foundation Board, and member of the National Association of Securities Dealers District Eight Committee. Buzz has served on many, and currently serves on several non-profit and charitable boards and foundations. He and his wife, Sue are lifelong residents of the Toledo area. ANDREW B WEINER Financial Planning Specialist Financial Advisor Andy started his career in the investment business in 2008. He works with individuals, business owners, and physicians. He has developed a holistic approach to providing investment advice which has allowed him the designation of a Financial Planning Specialist. Andy graduated from St. Andrew's High School in Barrington, R.I. and has a Bachelor of Science degree from Unity College in Maine. After graduating from Unity College in 1999, he worked for eight years providing consulting services to the banking and lending industry before discovering his passion for helping people to achieve their financial goals. Andy is a member of the Financial Planning Association. Andy and his wife Sarah live in Toledo with their daughters Lila and Penny, and their son Ozzy. Robert M. Fox, Jr. Registered Marketing Associate Bob began his career in the investment business in 1965. He enjoys working with individuals and nonprofit organizations on their asset management and income planning. Bob graduated from the University of Michigan high school in Ann Arbor. He has a degree in economics from Lawrence University and an MBA from the University of Toledo. Bob keeps on top of the economic scene with extensive reading. He has been involved with and served over a dozen non-profit organizations over the past 45 years. He lives in Perrysburg, Ohio where he enjoys spending time with his grandchildren. 6 MORGAN STANLEY
David L. Fraley, CMT Registered Marketing Associate Shelly A. Grycza Senior Registered Associate Mary K. Ankenbrandt Senior Registered Associate Dave entered the investment business in 1997 and joined the Fox/Thistlethwaite Team in the following years. He utilizes technical analysis to highlight market opportunities, manage risk, and in developing and managing portfolios. Dave is a Chartered Market Technician and has been a a member of the Market Technician's Association for over ten years. Dave attended St. Johns High School and then entered the US Air Force in 1980. He began his studies at LSU while stationed in Shreveport, LA for four years. After being honorably discharged, Dave completed his Bachelor's Degree in Finance at the University of Toledo. Dave and his wife, Deanna live in Temperance, Michigan with their two sons, David and Joey. Shelly began her career in the Financial Services Industry in 1986. She is an expert in operational issues and is the team service leader. She enjoys being proactive with clients and other professionals to help minimize paperwork. Shelly was born and raised in Toledo, Ohio and is very active with her children's schools. She and her husband, Tim live in Perrysburg with their children Meghan and Christopher. Mary joins the Veritas Group with over 33 years in the Financial Services Industry. After 20 years at Fifth Third Bank and Fifth Third Securities, Mary joined our company in 1999 as the Branch Administrator. The most recent position of management that Mary held before becoming part of the team is that of Client Service Manager. Mary holds five securities licenses, including two which qualify her to act as a principal who supervises sales for a general securities firm and branch activity. Her experience and knowledge of the industry and the firm are invaluable. She lives in Toledo, Ohio and enjoys travelling and spending time with her extensive family. THE VERITAS GROUP 7
For Life's Most Important Goals With experienced professionals 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 insights into your needs with the resources of Morgan Stanley. 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. 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 Shaping your retirement Together, we can work to make decisions that could help you move toward the retirement you expect.
Whether you are building retirement wealth or making the transition to generating income from your assets, We can help you develop and implement a strategy based on your vision of retirement. IRAs: - Traditional - Roth IRA rollovers Roth conversions 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. Educating new generations Helping to meet the education costs of children and grandchildren may be one of the most attractive and personally fulfilling investment opportunities available to you. We can help you access appropriate investment vehicles 529 plans and custodial accounts. 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. Credit facilities Retirement plans Succession planning 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 THE VERITAS GROUP 9
Creating Your Plan To be truly effective, your plan must reflect the totality of your personal and financial life. Our role is to help ensure that your investment objectives are consistent with pressing financial concerns and your long-term aspirations. These four steps were developed to achieve that goal: 1 Setting your financial objectives Through a process of discovery and discussion, we will work with you to articulate your aims for your wealth. Together, we will examine your current and future liabilities, income sources and cash flow needs, and then consider factors that might influence your overall strategy, including tolerance for risk, tax concerns, liquidity needs and time horizon. Through careful analysis, the team will look for potential gaps that may exist between you and your goals, and develop sound strategies to help smooth the path. 2 Creating your strategy Working from our understanding of you and your objectives, we will propose a financial plan that contains specific strategies designed to help meet those goals. Our advice may encompass issues such as retirement planning, business continuation, tax minimization potential and wealth transfer. You will also receive an asset allocation strategy designed to provide diversification for your portfolio. 3 Implementing your strategy After discussing and refining your strategy, we will work closely with you to bring the elements to life. Should we decide together that outside money managers are appropriate for you, the team will draw on indepth research and analysis to help you select from the hundreds of investment management firms available to you. If you prefer to invest in individual securities, we can help identify specific stocks, bonds and other securities that may be suitable for your portfolio. Whatever approach we decide on, we will help you keep your strategy on track. 4 Reviewing objectives and performance We view ongoing communication as the foundation of our successful collaboration with you. We will make every effort to keep abreast of your changing financial needs and provide viable strategies to help you meet them. This means reviewing your portfolio together at your request. When your circumstances change, we will work with you to revise your strategy and reposition your assets to reflect your new needs and goals. 10 MORGAN STANLEY
The Veritas Group Providing truth to earn your trust. The Veritas Group at Morgan Stanley helps provide sound professional investment management and planning to business owners, professionals and those who have experienced a life event such as divorce, death of a loved one or an upcoming retirement. We find that our clients typically face three challenges in navigating the maze of financial information: 1. The time or inclination to manage their own investments. Every hour spent trying to manage their own portfolio is time taken away from other things they value and enjoy. We relieve clients of the burden of managing their wealth and our clients understand the time required and the value of professional investment management. 2. The discipline to manage investments through fluctuating market conditions. We provide objectivity through a defined process that helps take emotion out of the equation. 3. A clear financial perspective. It is difficult for our clients to coordinate all the diverse financial components in their life. We help define their objectives, take inventory of their resources and design a custom strategy to achieve their goals. This gives our clients a sense of context and clarity and helps them make better planning and investment decisions. Whether you re a business owner searching for strategies on how to keep more of your hard earned income, a professional who s worked hard for your success looking to make the best financial decisions for you and your family s future or someone who has experienced a life event seeking advice for planning, The Veritas Group can help. With over 200 years of combined experience, our team of planning, investment and service professionals is dedicated to growing and protecting your wealth through a consistent process delivered with exceptional personal attention. We work tirelessly to prioritize what matters most to you and, wherever possible, to be a force of calm and relief in the face of the anxiety and uncertainty that can all too often accompany wealth management. Let us do the worrying for you. At The Veritas Group, we endeavor to preserve and grow the rewards of your hard work. We are always determined to act as trusted advocates, and honest advisors. Veritas means truth and we believe positive results can be derived from providing the truth. We provide the truth to earn your trust. We are continually inspired as we work to help ensure your financial success. 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. 2065211 02/2014 CRC 715433