6 Our Approach 8 For Life s Most Important Goals 10 A Culture of Excellence The Walker/Morse Group at Morgan Stanley Smith Barney Wealth management for discerning clients
58 South Service Road Suite 400, Melville, New York 11747 631-755-8961 / MAIn 800-477-7522/ Toll-Free 631-755-8999 / FAx fa.smithbarney.com/walker_morse richard.l.morse@mssb.com
What do you look for in a wealth management provider? Any firm can handle your investments. But we believe our clients expect more. We believe clients want a firm that understands their needs, their passions, their tolerance for risk professionals who can create meticulous plans, then adjust those plans as circumstances dictate. They ve worked hard for their money, so they want a prudent, deliberate process and thoughtful recommendations but in our opinion, they also seek an extra measure of performance, of dedication, of attention to detail. They want character. Integrity. Competence. In short, they want people they can trust to help them achieve their goals and to do it in a way that they can believe in. Our team has been providing this level of excellence for nearly 70 combined years. We welcome you to join us. The Walker Morse Group 3
Meet the Professionals Left to right: Mark T. Greco, Kenneth K. Walker, Richard L. Morse 4 Morgan stanley smith Barney
Kenneth K. Walker First Vice President Financial Planning Specialist Financial Advisor Richard L. Morse, CIMA, CFP Vice President Investment Management Consultant Financial Advisor Mark T. Greco Second Vice President Financial Planning Specialist Financial Advisor Ken has been with Morgan Stanley Smith Barney and its predecessor firms since 1983. A Spanish major at Dartmouth College where he earned his bachelors degree, Ken then earned his MBA at Dartmouth s Amos Tuck School of Business Administration. After Dartmouth, Ken lived and worked in Venezuela for nine years and is fluent in Spanish. At the Walker/Morse Group, Ken has built a successful practice providing objective and comprehensive financial planning advice to a select group of affluent individuals. Ken s devotion to his clients has earned him their admiration. Ken is a past President of the Suffolk AHRC and a past President of the Amityville Kiwanis Club. Ken also serves on the Board of Governors of NYSARC. He is a former trustee of the Amityville Board of Education and a longtime tennis coach with Special Olympics. Ken is active with the Dartmouth Club of Long Island. Ken lives in Amityville, NY with his wife, Margot. They have two daughters, Lisa and Sabrina. kenneth.k.walker@mssb.com 631-755-8844 Rick began his career at the predecessor of Morgan Stanley Smith Barney in 1993. His experience includes working as a consultant and auditor for Loeb & Troper, CPAs. Rick graduated from Ithaca College in 1978 with a Bachelor of Science degree in Accounting. He earned his Certified Investment Management Analyst SM designation at the University of Pennsylvania s Wharton School and is a Certified Financial Planner. He is a member of the Investment Management Consultants Association. Rick provides an integrated approach to the needs of foundations, retirement plans and affluent families. His focus includes investment management and charitable giving strategies. Rick serves on the Board of Directors of the Dix Hills Jewish Center, the Jewish Education Project and the Kenya Education Fund. Rick received the Community Service Award in 2010 from UJA/Federation of New York Long Island. Rick lives in Commack, NY with his wife, Arlene and their son, Evan. richard.l.morse@mssb.com 631-755-8961 Mark has been with Morgan Stanley Smith Barney and its predecessor firms since 1984. Mark graduated from the University of Colorado with a Bachelor of Arts degree. He earned his MBA from Long Island University. As a Financial Planning Specialist, Mark initiates comprehensive planning strategies for our clients; helping them to develop retirement plans, fund their children s higher education costs and navigate the estate planning process. He has an extensive background advising small and mid-sized businesses, and the families that own them. Mark lives in Sea Cliff, New York with his wife Mary and their two sons, Alex and Matthew. He is active coaching intramural sports, and serves as Committee Chairman of Boy Scout troop 43. mark.t.greco@mssb.com 631-755-8817 The Walker Morse Group 5
Our Approach At The Walker/Morse Group, we have two complementary business doctrines. The first is philosophical in nature; the principles of our business. The second is practical; the steps we take to help you reach your goals. Our principles We strive to develop a long-term, high-trust relationship with you. With a deep understanding of what you are trying to accomplish, our aim is to carefully guide you through the barrage of financial information. We want to be the first place you go with any financial need. We hope to more than meet your needs. The success of each relationship is key to building our business. While we realize that things don t always go according to plan, they go better with a plan. When circumstances dictate, we are here to help you change the plan. Our process You work hard to build wealth in pursuit of a meaningful life for yourself and your family. Your achievements reflect substantial effort, and we will work just as hard on your behalf, committing our experience and skills to helping you achieve your unique goals for your wealth. We begin with an initial meeting to learn about: What values are most important to you? What is your current financial position? What would you like to accomplish? How much risk are you comfortable with in attaining those objectives? What is the timeline needed for you to reach your goals? Based on your needs and goals, we will design a customized action plan for you. We will gladly work with other trusted advisors such as your accountant or attorney. In order to maintain our commitment to the highest standards of service, we limit the number of clients in our practice so we can offer them the best experience possible. Using our extensive network, we are able to provide the wealth management resources listed on the next page. 6 Morgan stanley smith Barney
For Life s Most Important Goals With an experienced professional 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 insight into your needs with the resources of Morgan Stanley Smith Barney. 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. Balance sheet analysis Retirement 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 Structured investments Separately managed accounts
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. Giving back through philanthropy Many successful individuals seek opportunities to support cultural and educational institutions, and nonprofit organizations and activities. Properly undertaken, charitable giving can provide planning flexibility and benefits for you. We can help you analyze and implement a strategy that rewards you while it benefits causes you care about. Charitable lead and remainder trusts Family foundations Donor advised funds 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 Smith Barney. Cash management 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 Key-person insurance Meeting current liquidity and banking needs Managing personal cash and securing liquidity for personal needs and opportunities are the day-to-day aspects of implementing a financial strategy. We can help you meet your personal cash management and borrowing needs while thinking strategically about how approaches may affect current and longterm costs and taxes. Home finance Lending services Debt restructuring Securities-backed loans The Walker Morse Group 9
Risk Management The ups and downs of the markets is just one kind of risk but so is not protecting my assets and my family. How do I protect what I care about most? Retirement When I retire, it will affect just about everything that matters: my lifestyle, my company, my family. Is there a way to plan for retirement that takes it all into account? Integrated Planning Decisions about both assets and liabilities need to be made in the framework of important life goals. What steps are also the most tax efficient? How can a strategic approach to banking and lending simplify my financial life and maximize the value of what I own? Liquidity I can predict some expenses, but others I know I can t. How can I plan to have the cash I need? Investment Management I have so many goals and priorities. How can one investment strategy balance them all? You Benefit From a Profound Understanding of the Full Range of Wealth Management Needs Estate Planning Making sure my estate goes to the people and organizations I care about is a priority. How do I transform my assets into a legacy?
Education Funding Will I be able to pay for a good education for my children and my grandchildren? Business Strategies How do I manage my personal wealth with so much tied up in my company? A CULTURE of EXCELLENCE OvER ThE years, you have made many financial 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. Charitable Pursuits The charities I support are like extended family. How do I maximize the good I can accomplish? Investors who choose Morgan Stanley Smith Barney often tell us that their reasoning is simple. They choose a Financial Advisor and a firm that mirrors the values propelling their own success: a commitment to perform at the highest level for their clients, with no shortcuts, compromises or excuses. The combination of Morgan Stanley and Smith Barney brings together two firms that have demonstrated those values for decades. Firms with a reputation for achieving the objectives of the world s most sophisticated and demanding investors. Firms whose Financial Advisors have earned the trust and achieved the goals of many of the nation s most successful individuals, their families, as well as corporations, foundations and endowments. In melding our two firms, we created an organization that truly exceeds the sum of its parts. Whatever your investment goals, and however you prefer to pursue them, Morgan Stanley Smith Barney offers you more flexibility, more capability, more insight than you are likely to find anywhere else. Morgan Stanley SMith Barney 2010 11
Morgan Stanley Smith Barney 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 Smith Barney 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 Smith Barney 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 ( Morgan Stanley Smith Barney ) is a registered broker-dealer, not a bank. Where appropriate, Morgan Stanley Smith Barney 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 Smith Barney, member SIPC, 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. 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 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. Diversification does not guarantee a profit or protect against a loss. The investments listed may not be suitable for all investors. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, and encourages investors to seek the advice of a financial advisor. The appropriateness of a particular investment will depend upon an investor s individual circumstances and objectives. 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 investor s individual circumstances and objectives. The views expressed herein are those of the author and do not necessarily reflect the views of Morgan Stanley Smith Barney or its affiliates. All opinions are subject to change without notice. Neither the information provided nor any opinion expressed constitutes a solicitation for the purchase or sale of any security. Past performance is no guarantee of future results. Tax laws are complex and subject to change. 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 for the purpose of avoiding tax penalties that may be imposed on the taxpayer. Individuals are urged to consult their personal tax or legal advisors to understand the tax and related consequences of any actions or investments described herein. Morgan Stanley Smith Barney LLC. Member SIPC. 2011 Morgan Stanley Smith Barney LLC. Member SIPC. 6575298 01/11