The Malkin Group at Morgan Stanley
Morgan Stanley 399 PARK AVE 12TH FL, NEW YORK, NY 10022 212-893-6530 / MAIN 347-438-2919 / FAX www.morganstanley.com/fa/ themalkingroup
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. THE MALKIN GROUP 3
Meet the Professionals 4 MORGAN STANLEY
Joshua D. Malkin Senior Vice President - Wealth Management Financial Advisor I help provide customized advice, investment strategies and other financial services to high net worth individuals, families and institutions. Through bull and bear markets, I have remained committed to helping simplify my clients investing lives and providing attentive client service. I am Series 7, 31, and 66 registered and insurance licensed. My primary goal is to help clients build globally diversified portfolios in an effort to produce potentially competitive risk-adjusted performance based on the client s unique goals. I also have experience incorporating alternative investment offerings into suitable client portfolios, developing possible tax-efficient strategies for executives with concentrated stock positions and working with clients legal and tax advisors to help formulate philanthropic strategies, with a particular focus on charitable giving as a component of a comprehensive estate plan. I joined Morgan Stanley in 2006 following more than 3 years with Davis Polk & Wardwell where I was a corporate lawyer. I hold a Bachelor of Science in Industrial and Labor Relations from Cornell University and a JD from Duke University School of Law where I graduated magna cum laude. A strong advocate of giving back to the community, I am on the Parent Board and Benefit Committee of the R Baby Foundation. I enjoy playing basketball and golf, and most importantly, spending time with my family. I live in Closter, NJ with my wife Jamie and son Charlie. THE MALKIN GROUP 5
Michael Kane, CFP Assistant Vice President Financial Advisor I began working in the financial services industry in 2005 and have worked in a variety of roles within wealth management since then. Currently I am working as a Financial Advisor focusing in both asset allocation and financial planning. I am Series 3, 7, 31, 66 registered, insurance licensed, and have attained my CERTIFIED FINANCIAL PLAN- NER certification. I graduated from the University of Scranton in 2003 with a Bachelor of Science in Marketing. I am passionate about helping clients achieve their financial goals. This includes all aspects of financial planning such as investments, lending and insurance, as well as the planning regarding taxes, retirement, children s education, and estate matters. I am committed to fostering ongoing relationships with our clients and focused on helping them make the important decisions that are necessary throughout the financial planning process. I currently reside in Cranford, New Jersey with my wife Anna and daughter Isabelle. 6 MORGAN STANLEY
Daniel Bello Financial Advisor During my years in wealth management I have learned to consider each client's situation holistically rather than on a goal by goal basis. I joined Morgan Stanley in 2009 and have worked as a Consulting Group Analyst conducting manager due diligence and selecting both hedge funds and managed accounts for our clients' portfolios. I am committed to helping ensure that our clients understand the interconnected nature of investments, taxes, insurance, and lending in order to properly prepare for their retirement and estate planning needs. I am Series 3, 7, 31, and 66 registered and licensed for life, accident, and health insurance. I received my education from The University of Richmond where I earned a Bachelor of Science in Business Administration from the Robins School of Business with concentrations in both Finance and Economics. I am very active in our business school's alumni community in an effort to give back to the school that had such a positive impact on my life. I am also an active supporter of The R Baby Foundation as well as Don Bosco Prep's Football Program. Athletics is where I spend a great deal of my free time and often coach on a voluntary basis. History is also a passion of mine and I can often be found reading a book on a president or great leader in our nation's history. Nothing, however, is more dear to me than my family and friends with whom I enjoy spending most of my time. I currently reside in Manhattan. THE MALKIN GROUP 7
Joanne Aubry Client Service Associate Having worked in the financial services field for 12 years, I joined Morgan Stanley in 2006. In addition to my passion for building and maintaining strong client relationships, I am committed to providing the ultimate client experience by focusing my time on exceptional client service, proficiency in products and services, account marketing, and research. A Brooklyn College Alumni, I received my Bachelor of Science in Psychology with a minor in Economics. I am actively involved with the Brooklyn College Preparatory Center and volunteer to mentor inner-city children (grades K-6). I am an ardent supporter of St. Jude Children s Research Hospital. At present, I reside in Brooklyn, NY with my family. In my spare time, I enjoy scenic walks, traveling, and above all, spending time with my family and friends. 8 MORGAN STANLEY
Asset Allocation and Portfolio Planning We will work together using a process that focuses on you and your goals, integrating investment decisions with your immediate financial needs and desired aspirations. This process encompasses four steps: 1 Personal review Before we can advise you, our team must understand you and your goals. We will guide you through an extensive discovery process to identify your objectives, time horizon, tolerance for risk and other considerations that may play a role in shaping your investment strategy. 2 Asset allocation and portfolio planning Your input drives the development of a personalized financial strategy. Designed to help you meet your specific needs, it addresses areas such as retirement, education expenses, estate planning and tax minimization potential. When our analysis is complete, we will present to you an investment strategy that helps to identify appropriate diversification for your portfolio. 3 Implementation After we have discussed and refined your strategy, we work closely with you to bring the elements to life. Should we decide that outside money managers are appropriate for you, we will 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 together, our team will help you keep your strategy on track. 4 Ongoing communications and reporting 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 10 MORGAN STANLEY
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. 11
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. Morgan Stanley 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. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters. Morgan Stanley Smith Barney LLC 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. Morgan Stanley Smith Barney LLC is a registered brokerdealer, not a bank. Where appropriate, Morgan Stanley Smith Barney LLC 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 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. Asset allocation and diversification do not guarantee a profit or protect against loss. 2013 Morgan Stanley Smith Barney LLC. Member SIPC. 1057915 02/2013 CRC 582224