The Rock Group at Morgan Stanley Smith Barney Managing Your Wealth, Growing Our Relationship
Change is the law of life. And those who look only to the past or present are certain to miss the future. John F. Kennedy
Strategic Approach The Rock Group provides comprehensive strategic investment advice and wealth planning to affluent private investors, corporate executives and private business owners. Their holistic, multidisciplined approach includes: institutional caliber investment and risk management; objective based financial planning; pre-liquidity event planning for private business owners; lending and liability management; and estate, trust and philanthropic planning. By working closely with our clients personal advisors, such as their attorney or accountant; together we can help ensure that our planning integrates effectively with their overall investment and wealth management strategies. Perspective and Experience These days, it s not hard to find investment advice in all the news and magazine media. With all this information available, many investors might wonder why they need a professional investment consultant. The answer is simple: perspective and experience. MORGAN STANLEY SMITH BARNEY/3
Meet the Professionals MITCHELL S. ROCK Senior Vice President Wealth Advisor Having spent more than two decades on Wall Street, Mitchell has the extensive experience and knowledge to lead The Rock Group. His primary responsibility is to work with clients to develop an effective asset allocation strategy based upon their tolerance for risk and long-term objectives. Mitchell also directs the group s equity strategies and has final approval for all outside money managers, mutual funds, closed-end funds, exchangetraded funds and fixed income securities utilized in the construction of client portfolios. Mitchell received his BA in Accounting from The George Washington University and an MBA in Finance from New York University. Prior to joining Morgan Stanley Smith Barney, he held similar positions in the private client groups of UBS and Oppenheimer & Co. Mitchell started his career in finance as Director of Research at a hedge fund, where he designed sophisticated multiasset portfolios for institutional investors utilizing nontraditional asset classes. In total, Mitchell has 23 years of experience on Wall Street. Mitchell lives in New Jersey with his wife, Abby, and 10-year old son, Jason. mitchell.rock@mssb.com Tel: 212-903-7626 OSCAR CANTU, CRPC Financial Advisor Along with Mitchell, Oscar works with clients to determine their appropriate risk tolerance and financial profile. He then assists in portfolio construction and has primary responsibility for the team s performance monitoring and client reporting functions. Oscar also is the group s research liaison conveying investment ideas along with market and portfolio updates for the team s clients. In addition, he heads the portfolio analysis efforts and overseas the equity and mutual fund models. Oscar started his career on Wall Street at Merrill Lynch, where he spent three years advising individual investors and their families on investment management strategies. Oscar earned his BA in Economics from The College of the Holy Cross in Massachusetts. He holds the Chartered Retirement Planning Counselor (CRPC ) designation, which enables him to address retirement needs of the group s individual clients and their families. oscar.cantu@mssb.com Tel: 212-903-7692 4/MORGAN STANLEY SMITH BARNEY
MICHELE FINLEY Client Service Associate Michele has over 16 years of experience in the financial services industry. As the group s Operations Coordinator, Michele ensures that our team provides the ultimate client experience and is their first point of contact for operational issues. michele.finley@mssb.com Tel: 212-903-7642 MORGAN STANLEY SMITH BARNEY/5
Our Mission Quality Advice: Our business is built on a single mission: to focus on helping to manage our clients wealth and providing advice that they can trust. That way, they can spend their time doing what they truly enjoy. As portfolio managers, our goal is to help build portfolios that reflect our clients objectives, lifestyle expectations, cash flow needs and desires for their family. More importantly, we bring the experience to help our clients make sense of investment options, the discipline to help them navigate challenging markets and the resources that help address their financial needs. Your Business: We are dedicated to bringing together the resources to assist you in the growth and success of both your business and your personal finances. Whether you need cash management, an employee stock ownership plan, growth capital, transition and liquidity services related to the sale of some or all of your business, or other services, we can assist with all your business goals. At the same time, we deliver tailored investment strategies to help you manage and preserve your wealth. Our plans allow our clients to seamlessly allocate capital among geography, asset class and product type. We know that you have invested a lot more than just money in your company. Our goal is to serve as your primary advisor to help solve your business and personal financial issues, turning your needs and obstacles into opportunities. COMMITMENT We are committed to helping our clients through the three stages of wealth: growing, preserving and transferring. To help them accomplish that goal, we work continuously to determine what s really important to them, and then develop actionable strategies. We place high value on relationships and cultivate them based on integrity, accountability and understanding. 6/MORGAN STANLEY SMITH BARNEY
Wealth Management Our conversation about wealth management will focus on four key areas which we believe will result in a comprehensive outlook of your future: Lifestyle: Not only your current one, but also the one you dream of. We will talk about your cash flow and future spending obligations, retirement planning, education funding, wealth transfer to heirs and philanthropy. Your personal professional advisors attorney and CPA - will also be integral to our conversations. Liabilities: The right side of your balance sheet is as important as investing. Borrowing, when done wisely, can help you realize possibilities that you might not have realized without it. We can show you strategies that can help fund your needs, without liquidating assets, sacrificing income or paying gift taxes. Risk: Recognizing whether you have too much, or not enough, risk is another core element we will discuss. Risk-management topics will include diversifying to help you protect your portfolio against market volatility; protecting your family from poor decisions by engaging a corporate trustee or executor. If appropriate we will help identify independent professionals lawyers, bankers and valuation experts - to assist in the sale of a significant business or asset. Investment: Asset management goes beyond investment performance. Based on your financial status today, we will calculate the returns necessary to help you achieve your goals and craft an investment program designed to help you reach them. A variety of fee-based investment advisory services, and managed accounts are available. MORGAN STANLEY SMITH BARNEY/7
Helping Your Business Do Business When we think about your personal finances, we make sure to factor in what is likely to be your single largest asset your business. When we think about your business, we see it for what it really is part of a far larger enterprise your life. As your business grows, so does your need for more complex banking and advisory services. The Rock Group can consult with specialists to advise you on the many issues your business encounters. Exiting the Business: When the time comes to exit your business via an outright sale, recapitalization, Employee Stock Ownership Plan (ESOP), or other liquidity event experts can help you through the complexities of a transaction from beginning through successful close. Protecting Your Business: Insurance, trust and estate planning specialists can help you identify ways to safeguard your business in a way that is worthy of this valuable asset. At the same time, our pre-liquidity and succession planning services will help you prepare for the eventual transfer of your business, with the goal of managing estate and gift tax consequences. Planning for Retirement: A properly designed retirement plan allows you to attract and retain qualified employees. It can also generate substantial tax savings for your business. Our retirement specialists can tailor a plan that best suits you and your company. Managing Cash: Efficient transactional banking and cash management systems designed to grow with your business can save you time and money. We can help you simplify your cash management process and potentially improve the returns on your cash balances. Access to Growth Capital: Accessing capital when you need it can mean the difference between falling behind the competition and capturing market share. 8/MORGAN STANLEY SMITH BARNEY
Principals of Professionalism We measure our success by the strength and longevity of our client relationships as we continuously strive to provide our clients with a high level of service. The following principles form the foundation of the professionalism to which we adhere: You and your interests are a priority. We seek to address your concerns promptly, accurately and completely. We endeavor to fully understand your financial needs, long-term goals and lifestyle aspirations by actively listening to you. An in-depth understanding will help us to prudently implement tailored investment and wealth management strategies. Your knowledge of your investment choices is critical to the long-term success of our relationship. Therefore, we will spend ample time to educate you to help you make well-informed decisions. We encourage asking questions if you are uncertain about any financial matter. We intend to meet with you regularly, at your convenience, to review your portfolio to ensure that it continues to be aligned with your short- and longterm goals, which could change over time. We can also explore new potential investment opportunities and wealth management strategies. Your candid feedback is actively requested. Our open communication could help us to meet, even exceed, your expectations. MORGAN STANLEY SMITH BARNEY/9
A Firm With A Purpose You ve worked hard for your assets. And now you want to protect those assets so they can continue to work hard for you and your family helping you reach your personal goals. Naturally, you want to put your money in the right place, a place where you can work with financial professionals who have access to some of the best resources available. That place is Morgan Stanley Smith Barney. Built on over 130 years of experience, Morgan Stanley Smith Barney is recognized as one of the industry s premier wealth management firms. We focus our firm s worldwide resources on serving a wide variety of clients, from corporations, institutions and foundations, to private businesses and affluent investors. It takes insight to unlock opportunity. Our clients come to us for financial advice, integrated solutions and intelligence across all the world s major markets. We take a global perspective to solving clients problems, working across geographic and product boundaries to deliver what they need. In a world that grows increasingly complex, our goal is to understand each factor in the global equation. We want to offer our clients access to resources that address their needs, and to help them gauge opportunity and risk whether in New York, Geneva or Hong Kong. Morgan Stanley Smith Barney is known for being an innovator, providing customized financial solutions to some of the most sophisticated institutional investors who require strong relationships and penetrating insights. We apply the same thinking in our efforts to help individuals build, manage and preserve their wealth. Whether you are looking for simple financial solutions or the most sophisticated kinds of investments, The Rock Group can serve as your gateway to the strength and resources of our firm. 10/MORGAN STANLEY SMITH BARNEY
The Rock Group at Morgan Stanley Smith Barney 1211 Avenue of the Americas 34th Floor New York, NY 10036 TELEPHONE: 212.903.7626 TOLL-FREE: 800.733.4793 FACSIMILE: 212.903.7632 mitchell.rock@mssb.com www.morganstanley.com/fa/mitchell.rock 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. 2009 Morgan Stanley Smith Barney LLC. Member SIPC.