The Spectrum Group - Morgan Stanley Locator

The Spectrum Group at
Morgan Stanley
20807 Biscayne Boulevard
Sixth Floor, Aventura, FL 33180
305-937-7100
/ MAIN
800-736-4554 / TOLL-FREE 305-937-7136 / FAX
www.morganstanleyfa.com/thespectrumgroup
The Spectrum Group at
Morgan Stanley
The Spectrum Group: Wealth Management Through Prudent Planning
As the financial world becomes increasingly complex, sound financial
planning is no longer a luxury. It has become a virtual necessity. The
Spectrum Group is a seasoned team of financial professionals who have
served the diverse needs of high net worth investors, foundations, and
corporations for many years. We have the resources and expertise to
craft a comprehensive plan for you and manage it prudently over time.
The Spectrum Group takes a holistic approach to planning. Before we
make any recommendations, we will work closely with you addressing a
broad spectrum of issues, such as your current family situation, career
aspirations, education costs, retirement goals, and estate plan.
What we learn becomes the foundation for a sound strategy based on
your unique profile and goals. From there, we will discuss such issues as
your risk tolerance, asset allocation and the most suitable investments
for you. But that is just the beginning. Over time, we’ll meet with you
regularly to modify your plan to reflect changes in your life.
At the Spectrum Group, our goal is to create a comprehensive plan
that you can follow confidently, regardless of the ever-changing
economic landscape.
THE SPECTRUM GROUP
3
Meet the Professionals
Seated (left to right): Howard Lerner, Joseph Fezza, and Jonathan Sackson. Standing (left to right): Stephanie Hammer, Kate DeSoto, Sherry
Corriveau and Kathleen Ferraro
4
MORGAN STANLEY
Howard M. Lerner
Jonathan D. Sackson, CIMA®
Joseph A. Fezza, CFP®
Portfolio Manager
Senior Vice President - Wealth Management
Wealth Advisor
Senior Portfolio Manager
Senior Vice President - Wealth Management
Financial Advisor
Portfolio Management Director
Senior Vice President - Wealth Management
Wealth Advisor
Howard Lerner is a Senior Vice
President and Wealth Advisor at
Morgan Stanley. He began his financial services career at Merrill Lynch
in 1987 on the Middle Markets Fixed
Income Desk in New York. In 1993
Howard moved to Florida to pursue a
career as a Financial Advisor. In
1994, he joined Dean Witter, now
Morgan Stanley Wealth
Management, where he has served in
a variety of roles, including ten years
in management. Howard sits on the
Boards of Joe DiMaggio Children’s
Hospital and Equine-Assisted
Therapies of South Florida. He is
also active in the Arts through his
relationship with The Broward
Center for The Performing Arts. He
lives in Hollywood, Florida with his
wife, Laura, and their twin sons,
Asher and Jess.
Jonathan Sackson has been in the
financial advisory business since
1992. Jonathan obtained his MBA
from the Wharton School of
Business, University of Pennsylvania
1982, and his BA, Liberal Arts, from
St. Johns College, Annapolis, MD
1970. He returned to Wharton to
complete his Certified Investment
Management Analyst® work in 2005.
The CIMA® designation focuses on
asset allocation, manager search and
selection, investment policy and performance measurement. Currently,
he serves on the Investment Advisory
Committee for Miami Dade College
(MDC), the body that oversees
MDC’s substantial College &
Foundation Endowments. Jonathan
and his wife, Mary Beth, make their
home in Ashville, NC.
Joseph Fezza was recognized as a
Top Wealth Advisor by South Florida
Business Journal in 2007 and 2008
and one of the Top 1000 Advisor by
Barron’s in 2009 and 2010. He has
been a Member of Morgan Stanley’s
President’s Club and Chairman’s
Club since 1993. He completed his
Certified Financial Planner®™ designation in 1991 and Morgan Stanley
Wharton Graduate School Senior
Advisor Program in 1997.
Having been with Morgan Stanley,
since December of 1984, he has witnessed and experienced scores of
market conditions that have influenced the performance of his clients’
portfolios. His first priority is to help
you achieve your financial goals. His
time away from the office is spent in
the Florida Keys with his wife and
two children.
THE SPECTRUM GROUP
5
6
Kate R. DeSoto
Kathleen M. Ferraro
Sherry A. Corriveau
Financial Advisor
Portfolio Management Associate
Senior Registered Associate
Kate DeSoto serves as a Financial
Advisor at Morgan Stanley as well as
a valued member of The Spectrum
Group at Morgan Stanley. She
entered the Financial Services
Industry in 2007 as a Registered
Marketing Associate at UBS
Financial Services in Charlotte, NC.
Her focus during that period was on
municipal and taxable fixed income
markets where she was responsible
for generating financial plans and
conducting client reviews.
Originally from Columbus,
Indiana, she is a graduate of Indiana
University, with a BS in Psychology
and a BA in Criminal Justice. Kate
and her husband Starkey moved to
South Florida in January 2012, where
she joined The Spectrum Group in
September of 2012. An avid runner
and a seasoned traveler, she regularly
runs in major racing events.
Kathleen Ferraro is a Portfolio
Management Associate. She joined
the firm in 2002 after accumulating
extensive experience in the banking
sector. Kathleen has her Series 7, 3,
31, 66 Life/Variable Annuity licenses. She uses the advanced technology
available at the firm to analyze
account allocations and performance
for clients and prospective clients.
She presents our team with data that
facilitates the best review available
for portfolio effectiveness. Kathleen
provides extensive account management service to our clients and acts
as a conduit to Morgan Stanley
Private Bank for security-based lending or tailored-lending services.** In
addition, she has personal experience
with Eldercare issues, which has
proven valuable to our team and our
clients. Kathleen is the proud mother
of two daughters and grandmother of
three grandsons.
As Senior Registered Associate,
Sherry Corriveau’s friendly voice and
warm personality are one of our team
members you will hear when you
contact us, The Spectrum Group at
Morgan Stanley. Her primary responsibility is to provide a suite of
account management services to The
Spectrum Group’s clients and help
ensure they are delivered with quality. Sherry has her Series 7, 63, and 65
licenses as well as Florida Life
Health and Variable Annuity licenses.
She has been a valued member of
Morgan Stanley’s team since 2009,
and has worked in the financial services industry since 1995. A resident
of South Florida since 1970, Sherry is
the mother of three grown children
and is actively involved in her local
community.
MORGAN STANLEY
Stephanie Hammer
Senior Client Service Associate
Stephanie Hammer joined Morgan
Stanley, formerly Dean Witter in
September 1988. She started her
career in 1985 in the financial sector
in New York City. She has worked in
different roles within the company,
including Operations Manager for 10
years. Stephanie brings to our team a
wide-range of knowledge in the
operational area as a Senior Client
Service Associate. Her outstanding
skills, communication, and attention
to detail allow us to provide exceptional service to our clients.
Stephanie is a mother to four beautiful children and an exceptionally
young grandmother to four. She loves
to read, travel, and cook for her
growing family.
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.
l Balance sheet analysis
l Retirement planning
l Education planning
l Estate planning
l Multigenerational planning
l Insurance
Strategic consulting and transactions
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.
l Asset allocation
l Investment management
l Traditional investments
l Alternative investments
l Structured investments
l 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.
l IRAs:
- Traditional
- Roth
l IRA rollovers
l 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 vehi-
cles — 529 plans and custodial
accounts.
Giving back through philanthropy
Strategic consulting and transactions
l Succession planning
l
Protecting your wealth
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.
l Charitable
lead and remainder
trusts
l Family foundations
l 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.
l Credit facilities
l Cash management
l Retirement plans
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.
l Life and disability income insurance
l Life insurance trusts
l 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.
l Home finance
l Lending services
l Securities-backed loans
THE SPECTRUM GROUP
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Call The Spectrum Group Today
For more information about The Spectrum Group and how we can be a valuable resource in securing your financial future, feel
free to call us today at 305-937-7100. If you would like, we will set-up an appointment to meet with you at your convenience.
Whatever your goals, we at The Spectrum Group will show you how we can create a comprehensive, long-term financial plan
that you can feel confident in for many years to come.
We are deeply committed to addressing the full spectrum of your
financial needs to build a sound financial plan that’s right for you.”
– The Spectrum Group
10
MORGAN STANLEY
*Research is provided through affiliated companies
Source: Barron's “Top 1,000 Advisors,” February 20, 2010, as
identified by Barron's magazine, using quantitative and qualitative
criteria and selected from a pool of over 4,000 nominations.
Advisors in the Top 1,000 Financial Advisors have a minimum of
seven years of financial services experience. Qualitative factors
include, but are not limited to, compliance record, interviews with
senior management, and philanthropic work. Investment performance is not a criterion. The rating may not be representative of any
one client's experience and is not indicative of the financial advisor's
future performance. Neither Morgan Stanley Smith Barney LLC nor
its Financial Advisors pays a fee to Barron's in exchange for the rating. Barron’s is a registered trademark of Dow Jones & Company, L.P.
All rights reserved.
Source: Barron's “Top 1,000 Financial Advisors,” February 9,
2009, as identified by Barron's magazine, using quantitative and
qualitative criteria and selected from a pool of over 800 nominations. Advisors in the Top 100 Financial Advisors have a minimum of
seven years of financial services experience and $600 million in
assets under management. Qualitative factors include, but are not
limited to, compliance record, interviews with senior management,
and philanthropic work. Investment performance is not a criterion.
The rating may not be representative of any one client's experience
and is not indicative of the Financial Advisor's future performance.
Neither Morgan Stanley Smith Barney LLC nor its Financial Advisors
pay a fee to Barron's in exchange for the rating. Barron’s is a registered trademark of Dow Jones & Company, L.P. All rights reserved.
**Tailored Lending may not be available in all locations, and may
not be appropriate for all clients. Rates, terms and programs are
© 2014 Morgan Stanley Smith Barney LLC. Member SIPC.
CRC 806915
subject to change without notice. The contents of this document
should not be construed as a commitment to lend.
Morgan Stanley Private Bank, National Association is an Equal
Housing Lender and member FDIC that is primarily regulated by the
Office of the Comptroller of the Currency.
The proceeds of a Tailored Lending loan/line of credit may not
be used to purchase, trade or carry margin stock, or to repay debt
that was used to purchase, trade or carry margin stock and cannot be deposited into a Morgan Stanley Smith Barney LLC or
other brokerage account.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is a registered Broker/Dealer, member SIPC, not a bank. Where appropriate,
Morgan Stanley has entered into arrangements with banks and
other third parties to assist in offering certain banking related products and services. Unless specifically disclosed 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, a bank and involve investment risks, including possible loss of
principal amount invested.
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.
2009415 02/2014