THE SECOND GROWTH An organized and personal approach to the second stage of life. The Cypress Group at
With over 85 years of combined experience we have developed a process to help analyze and address what matters most to you and your family. We call it The Second Growth. An organized and personal approach to the second stage of life. The Personalized DNA Snapshot 1Your Second Growth begins with a conversation to understand who you are, how you arrived at this point in your life, and where you want to go. We analyze your personal needs, financial profile, and legacy plans to create a personal snapshot of your current situation.
Addressing The Gap 2After creating a personalized snapshot we will begin work developing a plan for your Second Growth. As part of our research we will conduct a gap analysis to determine whether there are any shortfalls that need to be addressed.
The Second Growth Blueprint 3 Once our analysis is complete we will review your Second Growth Blueprint. Investment philosophy, legacy plans, risk control, cash flow strategies, and liability management demand a specialized approach during the Second Growth. Our strategy is designed to address these needs specifically for you and your family.
The Foresting Process 4 The implementation of our Second Growth Strategy is a lifetime process. As financial circumstances evolve we communicate with you regularly and adapt to changing conditions in order to keep your financial forest healthy over time.
The Cypress Group Education Continuum 5 As part of your private access to The Cypress Group, we provide an educational experience throughout your life. This starts with regularly scheduled personal wealth management reviews and continues with client education events on current market conditions, geopolitical topics, and laws that may affect your financial growth blueprint.
The Cypress Group MARK THATCHER, CRPC Senior Vice President / Financial Advisor 760.776.6203 mark.thatcher1@morganstanley.com Mark Thatcher is a Senior Vice President and a Financial Advisor with The Cypress Group at Morgan Stanley. Mark is experienced in wealth management, retirement and estate planning and is a Chartered Retirement Planning Counselor. His practice focuses on asset management and financial planning for high net worth individuals, families, and institutions. Prior to joining Morgan Stanley, Mark was a Vice President at Merrill Lynch for eight years and was a member of the President s and Chairman s Club, as well as the Presidents and Executives Club. Before working at Merrill Lynch, Mark worked as the acting president of an import/export company in Japan where his responsibilities included managing exchange rate ramifications. Mark spent almost three years in Japan and speaks fluent Japanese. Mark received his Bachelors of Science degree in Finance and Economics. He is an avid skier, enjoys basketball and motocross, and has a passion for American history. Mark is married and has three boys.
SHAD LAMM, CRPC Senior Vice President / Financial Advisor 760.776.6219 shad.lamm@morganstanley.com Shad F. Lamm is a Senior Vice President and a Financial Advisor with The Cypress Group at Morgan Stanley. Shad excels in Wealth Management and Financial Planning and is a Chartered Retirement Planning Counselor. Shad is currently a member of the elite Master s club at Morgan Stanley. Shad received his Bachelors of Science degree in Business Management and Finance with a minor in Russian Linguistics. He was president of the Finance Society at his alma mater. Prior to joining Morgan Stanley, Shad held a position at Merrill Lynch as a Vice President and Senior Financial Advisor for 8 years. At Merrill Lynch he was a member of the Chairman s and Executive Club. Growing up in Colorado, Shad enjoys skiing, snowmobiling and motocross. Shad is married and has three children. CHRISTIAN RISENMAY, CFP Vice President / Financial Advisor 760.776.6229 chris.risenmay@morganstanley.com Chris Risenmay is a Vice President and member of The Cypress Group at Morgan Stanley. His practice focuses on asset management and financial planning for high net worth individuals, families, and institutions. As a CERTIFIED FINANCIAL PLANNER, Chris guides his clients in organizing and prioritizing their financial and estate planning needs and develops strategies for the accomplishment of their most important objectives. Chris focuses on investment strategies and asset allocation decisions for the team s discretionary management portfolios. Chris attended Brigham Young University on a wrestling scholarship and graduated with a degree in finance. He began his career with Merrill Lynch after graduation and later joined Morgan Stanley with the other members of The Cypress Group. Chris and his wife stay busy raising their six children. In between soccer, baseball, and other parental activities Chris enjoys running, racquetball, and Crossfit. S. ROSS BIESINGER Associate Vice President / Financial Advisor 760.776.6232 ross.biesinger@morganstanley.com Ross Biesinger is Financial Advisor with The Cypress Group at Morgan Stanley. Ross focuses on wealth preservation, income accumulation, planning and distribution. Prior to joining Morgan Stanley, Ross was a Financial Advisor with Merrill Lynch where he focused on client development and investment implementation. Before joining Merrill Lynch, Ross worked in the field of venture capital where he worked directly with invested firms to assist them in allocating their funds to achieve maximum growth from their assets. Ross received his Bachelors degree in Business Finance from Brigham Young University. He has a background in South American studies and speaks fluent Portuguese. Ross enjoys music, the outdoors, basketball, Crossfit and is an avid Lakers fan. Ross is married and has three children.
DAVID THATCHER, CFP CERTIFIED FINANCIAL PLANNER / Financial Advisor 760.776.6234 david.thatcher@morganstanley.com David Thatcher provides comprehensive wealth planning to high net worth families, institutions and business owners. David strives to help his clients manage, preserve and grow their wealth consistent with their financial goals and objectives. Drawing on his experience at Merrill Lynch, Morgan Stanley and as a CERTIFIED FINANCIAL PLANNER, he helps his clients simplify the complexities that come with financial planning and asset management so his clients can attain true comfort and confidence in their financial position, have more time for what is most important to themselves and their families. Prior to joining The Cypress Group, David and his wife worked and lived in New York City for ten years. After their first child and an invite to join The Cypress Group they moved to California where they now live with their three children. David is known for his affability and drive for excellence in serving his clients. CLARK PENNEY Financial Advisor 760.776.6235 clark.penney@morganstanley.com Clark Penney is a Financial Advisor with The Cypress Group at Morgan Stanley. Clark focuses on capital preservation and income accumulation. Prior to joining Morgan Stanley, Clark was a Financial Advisor with The Cypress Group at Merrill Lynch. Before his career with Merrill Lynch, Clark worked as an intern on the energy and defense committees with the U.S. Sentate in Washington D.C. and with the president pro tempore. Clark received his Bachelors of Science Degree in Business Management with a minor in Economics from Southern Oregon University. While at Southern Oregon University, Clark founded the Golf Club. Born in Alaska, Clark enjoys skiing, golf and dog training. LISA BEATY Relationship Manager 760.776.6226 lisa.beaty@morganstanley.com Lisa Beaty is a Relationship Manager with The Cypress Group at Morgan Stanley. Lisa brings seven years experience to the team. Starting as a Wealth Management Analyst, Lisa assisted in portfolio reviews and client relationships. Shortly after, she pursued a career as a Financial Advisor for five years and eventually transitioned to Relationship Manager to once again help in the portfolio review and financial planning process. While creating financial plans, extensive portfolio and life goal analysis, Lisa also maintains client relationships. Lisa s goal is to ensure clients are receiving the best review and financial plan possible while enhancing their client-advisor relationship with the team. Lisa received her Bachelor s degree in Business Management from Cal State San Bernardino. She enjoys being outdoors, running, Crossfit and spending time with her husband and two children.
BRENDA SCHULTHESS Client Service Associate 760.776.6237 brenda.schulthess@morganstanley.com Brenda Schulthess is a Client Service Associate with The Cypress Group at Morgan Stanley. Brenda joined the group in 2011 and is experienced in all aspects of client service. Before joining The Cypress Group, Brenda worked for Marriott Vacation Club International in sales and marketing. Within the financial industry, she worked in Private Wealth Management for Morgan Stanley in the Century City, Los Angeles office and in Private Equity/Capital Markets and Investor Relations with Ares Management LLC for five years. Brenda received her Bachelor of Arts degree in Advertising and Public Relations with a minor in Political Science from Brigham Young University. She enjoys reading, cooking, biking and traveling with her husband. LAURIE KING Senior Registered Client Service Associate 760.776.6236 laurie.king@morganstanley.com Laurie King is a Senior Registered Client Service Associate with The Cypress Group at Morgan Stanley. She has twelve years of experience in the financial industry specializing in the areas of operations, management, and client service. Laurie has a wealth of expertise she has earned through working with such firms as Smith Barney, UBS and Merrill Lynch. Laurie has one son living in New York City, who is studying with the Alvin Ailey American Dance Theater and one son at Palm Springs High School, who plays football, basketball and baseball. LETICIA DAMIAN Senior Client Service Associate 760.776.6238 leticia.damian@morganstanley.com Leticia Damian is a Senior Client Service Associate with The Cypress Group at Morgan Stanley. She joined The Cypress Group in 2007 and has over ten years experience in the financial industry, working at UBS and Merrill Lynch before joining Morgan Stanley. Lettie is very knowledgeable about all aspects of client service and assists clients with general account inquiries, research, problem solving and other administrative issues. Lettie enjoys swimming, hiking and spending time with her two daughters.
WEALTH MANAGEMENT RESOURCES As a team of Financial Advisors, we have access to a global platform of resources that enable us to elect the products and services that match the diverse financial needs of our clients. Our capabilities include, but are not limited to the following resources : WEALTH PLANNING WEALTH PRESERVATION & TRANSFER BUSINESS-OWNER SERVICES INVESTMENT CONSULTING & MANAGEMENT Retirement Planning Education Planning Estate Planning Investment Advice Insurance Trust Services Philanthropic Services Capital Strategies Group Borrowing Cash Management Retirement Plans Business-Succession Planning Insurance Investment Advisory Services Select Portfolios Portfolio Management Group
T H E C Y P R E S S G R O U P
OUR COMMITMENT TO YOUR SECOND GROWTH Throughout our combined 85 years of experience we have come to understand the unique challenges and planning uncertainties that you face in the second stage of life. We are committed to helping you experience a vibrant Second Growth by coming to a deep understanding of your financial DNA, addressing gaps that could pose long-lasting problems, implementing a blueprint to guide your individual income and legacy planning needs, and serving as a resource to continue your further understanding of the financial world. We welcome you to explore The Second Growth, an organized and personal approach to the second stage of life. Morgan Stanley 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.
7491O HIGHWAY 111, INDIAN WELLS, CA 9221O phone 76O.776.6238 toll free 877.751.5O28 fax 76O.841.3191 fa.morganstanleyindividual.com/thecypressgroup/ 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, and it cannot be used, for the purpose of avoiding tax penalities that may be imposed on the taxpayer. Clients should consult their tax advisor for matters involving taxation and tax planning the their attorney for matters involving trust and estate plannning and other legal matters. Life insurance, disability income insurance, and long-term care insurance and offered through Morgan Stanley Smith Barney s licensed insurance agency affiliates. Morgan Stanley Smith Barney LLC, Member SIPC.