The Baer Wealth Management Group at Morgan Stanley

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Baer Wealth Management Group Large Brochure

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CREATIVE SERVICES 1221 6th Avenue, 3rd Floor New York, NY 10020 180 Varick Street, 3rd Floor New York, NY 10014

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3700 Embassy Parkway

58 South Service Road

 

 

Suite 340, Akron, Ohio 44310

330-670-4635

 / Main

Suite 400, Melville, New York 11747

631-755-1615

 / Main

877-594-0045 / Toll- F ree  330-576-4140 / fa x

800-477-7522 / Toll- F ree  631-794-2803 / fa x

 

fa.morganstanleyindividual.com/baerwealthmanagementgroup/index.htm [email protected] [email protected]  

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JOB NAME:

Baer Wealth Management Group Large Brochure

TRIM SIZE: FINISHED SIZE: BLEED: BINDERY:

CREATIVE SERVICES 1221 6th Avenue, 3rd Floor New York, NY 10020 180 Varick Street, 3rd Floor New York, NY 10014

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The Baer Wealth Management Group at Morgan Stanley As your portfolio has grown, so too has its complexity and the resources needed to manage it. As Financial Advisors, we have the knowledge, experience and commitment necessary to manage your investments on an ongoing, fully discretionary basis, providing you with objective advice on critical financial matters. Working closely with you, we will develop an investment strategy focused clearly on your objectives — ​one that reflects your lifestyle expectations, cash flow needs, risk tolerance and aspirations for your family. From there, we will help you build a portfolio informed by the resources and insight available from Morgan Stanley, one of the world’s largest financial firms. When you look at wealth management from a long-term perspective, one thing becomes clear: it’s your future, not just your money. And over time, we can help you navigate the noise and distractions of challenging markets, providing a disciplined sense of focus on what’s most important — ​your progress toward your goals.

T h e Ba er W e a lt h M a n agem en t Grou p

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JOB INFORMATION 7398541 / 602458985

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JOB NAME:

Baer Wealth Management Group Large Brochure

TRIM SIZE: FINISHED SIZE: BLEED: BINDERY:

CREATIVE SERVICES 1221 6th Avenue, 3rd Floor New York, NY 10020 180 Varick Street, 3rd Floor New York, NY 10014

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Meet the Professionals We believe that working as a team helps to provide you with access to possibilities of strategies, and helps to ensure that you benefit from the highest levels of service. While we bring complementary skills and perspectives to our clients, we also share a commitment to responding to your needs promptly, professionally and thoroughly. Our goal is to earn your confidence not only through the quality of solutions we provide to you, but also the excellence with which we deliver them.

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JOB NAME:

Baer Wealth Management Group Large Brochure

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CREATIVE SERVICES 1221 6th Avenue, 3rd Floor New York, NY 10020 180 Varick Street, 3rd Floor New York, NY 10014

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CLIENT NAME:

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Left to right: Michael Segal, Barbara Kwiatkowski, Kenneth Baer, Kristine Prisk, Mark Baer

T h e Ba er W e a lt h M a n agem en t Grou p

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Baer Wealth Management Group Large Brochure

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CREATIVE SERVICES 1221 6th Avenue, 3rd Floor New York, NY 10020 180 Varick Street, 3rd Floor New York, NY 10014

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8.5" × 11" 0.125" Fold and Saddle Stitch

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6

Mark S. Baer

Kenneth H. Baer, CRPS®

Michael B. Segal

Portfolio Manager Senior Vice President Financial Advisor

Portfolio Manager Senior Vice President Wealth Advisor Corporate Retirement Director

Financial Advisor

  Ma rk oversees the Baer Wealth Management Group’s asset allocation and investment selection process. As Portfolio Manager, Mark has primary responsibility for bond, stock and option strategies in our client’s discretionary accounts. A graduate from The Ohio State University, Mark joined PaineWebber (later becoming UBS) in 1983, and cofounded the Baer Wealth Management Group. Mark made the decision to join Morgan Stanley in 2012. Mark currently holds FINRA Series 3, 7 and 63 licenses as well as Life and Health, Long Term Care, Variable Annuity and Variable Life licenses. Mark has served as a community volunteer and officer, including the boards and committees of American Red Cross, Akron-Canton Regional Food Bank, Akron Jaycees, The Lippman School, Temple Israel, Jewish Community Board of Akron, Shaw JCC of Akron, Akron Marathon and Rosemont Country Club. Mark resides in Akron with his wife, Cathy.

  Ken drives the team’s group retirement practice and oversees our wealth advisory process. He also has primary responsibility for pooled investment strategies in client’s discretionary accounts. A 1983 graduate of the Daniels School of Business at the University of Denver, Ken joined PaineWebber (later becoming UBS) in 1996, and co-founded the Baer Wealth Management Group. Ken currently holds FINRA Series 7, 63 and 65 licenses as well as Life and Health, Long Term Care, Variable Annuity and Variable Life licenses. He has also earned the Chartered Retirement Specialist℠ designation. Ken has served as a community volunteer and officer, including the boards and committees of Temple Beth Torah, Huntington Arts Council, Crones and Colitis Foundation, United Cerebral Palsy Association, United States Golf Association and PGA Tour. Ken resides in Dix Hills, New York with his wife, Robin.

  Mike joined Baer Wealth Management Group in 2007 with an emphasis for business development and client relationships for individual clients and business retirement plans. Utilizing his previous business and finance experience, he helps to prepare clients for retirement. Mike earned a B.A. and M.S. degree in chemistry from Southern Connecticut as well as an MBA from the University of Connecticut. Mike currently holds the Series 7 and 66 licenses as well as Life and Health, Long Term Care, Variable Annuity and Variable Life insurance licenses. Mike and his wife, Teri, reside in Akron and have two adult children and a grandson. He is a golfer and runner and participates on several nonprofit community boards and organizations.

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JOB INFORMATION 7398541 / 602458985

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JOB NAME:

Baer Wealth Management Group Large Brochure

TRIM SIZE: FINISHED SIZE: BLEED: BINDERY:

CREATIVE SERVICES 1221 6th Avenue, 3rd Floor New York, NY 10020 180 Varick Street, 3rd Floor New York, NY 10014

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CLIENT NAME:

COST CENTER:

NOTES TMPL: 7263291-Brochure-Large-Grp m3

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PROJECT MGR.:

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Barbara A. Kwiatkowski

Kristine M. Prisk

Senior Registered Client Service Associate

Senior Registered Associate

Barbara graduated from SUNY at Farmingdale with an associate degree in applied sciences. She has worked in the fi nancial industry for the last 18 years at UBS Financial Services and currently at Morgan Stanley Wealth Management. Barbara currently holds the Series 7, Series 63 and Life / Health licenses. Her knowledge, experience and attention to detail fully support the Baer Wealth Management Group. Barbara resides in Bellport, New York.

Kristine joined Baer Wealth Management Group in 2006. Having worked in the financial industry for over 17 years, Kristine lends her knowledge and experience in supporting Baer Wealth Management Group at Morgan Stanley Wealth Management in helping to meet their clients’ financial goals and needs. Kristine currently holds the Series 7, Series 63 and Series 65 licenses and is registered in all 50 states. Kristine resides in Akron, Ohio with her husband, Jerrid, and their two children.

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A Consultative Process 1 We will begin by discussing what matters most to you and what you want to accomplish with your wealth. In addition to your finances and investments, we will talk about you, your values, lifestyle, your worries and what you are passionate about.

Charting a prudent course to financial independence requires a well-conceived, personalized financial plan with defined, long-term goals. Our consultative wealth advisory process was developed to help generate that plan. Its key steps are designed to result in a broad, cohesive plan for your financial future.

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JOB NAME:

Baer Wealth Management Group Large Brochure

TRIM SIZE: FINISHED SIZE: BLEED: BINDERY:

CREATIVE SERVICES 1221 6th Avenue, 3rd Floor New York, NY 10020 180 Varick Street, 3rd Floor New York, NY 10014

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CLIENT NAME:

COST CENTER:

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8.5" × 11" 0.125" Fold and Saddle Stitch

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PROJECT MGR.:

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Discover

2 We will analyze your personal and financial information, assess risks, and identify potential threats to your financial health. Then we will present you with a comprehensive plan to address your income and cash flow needs, borrowing requirements, asset protection, retirement planning, wealth transfer and philanthropy goals.

Analyze

Review

3 Our objective approach to

Implement

implementing your plan will pay special attention to how its various aspects can affect, enhance and integrate with each other. When appropriate, we will suggest seeking additional, in-depth advice on particularly complex planning, financial and family issues we have identified.

4 We will review your portfolio

together at your request. And when your circumstances change, we will work with you to revise your strategy and reposition your assets to reflect your new needs and goals.

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JOB NAME:

Baer Wealth Management Group Large Brochure

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CREATIVE SERVICES 1221 6th Avenue, 3rd Floor New York, NY 10020 180 Varick Street, 3rd Floor New York, NY 10014

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CLIENT NAME:

COST CENTER:

NOTES TMPL: 7263291-Brochure-Large-Grp m3

8.5" × 11" 0.125" Fold and Saddle Stitch

Group Large Brochure PAPER:

PROJECT MGR.:

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m1

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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 with your goals, by combining our insight 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 help define your objectives and needs, and then structure a wealth plan that is uniquely your own. •• Balance sheet analysis •• Retirement planning •• Education 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 *Alternative and structured investments involve risk and are not suitable for all investors.

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CREATIVE SERVICES 1221 6th Avenue, 3rd Floor New York, NY 10020 180 Varick Street, 3rd Floor New York, NY 10014

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8.5" × 11" 0.125" Fold and Saddle Stitch

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Shaping your retirement   Together we can work to make decisions that could help you move toward your retirement. 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. •• Traditional IRAs •• Roth IRAs •• IRA rollovers •• Roth conversions 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

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 such as education savings programs and custodial accounts.

T h e Ba er W e a lt h M a n agem en t Grou p

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Baer Wealth Management Group Large Brochure

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CREATIVE SERVICES 1221 6th Avenue, 3rd Floor New York, NY 10020 180 Varick Street, 3rd Floor New York, NY 10014

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CLIENT NAME:

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8.5" × 11" 0.125" Fold and Saddle Stitch

Group Large Brochure PAPER:

PROJECT MGR.:

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Prisk, Kristine LaRosa, Anthony 100434

m1

DUE DATE:

FILENAME:

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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?

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?

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?

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?

Investment Management I have so many goals and priorities. How can one investment strategy balance them all?

Liquidity I can predict some expenses, but others I know I can’t. How can I plan to have the cash I need?

You Benefit from a Profound Understanding of the Full Range of Wealth Management Needs

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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?

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CREATIVE SERVICES 1221 6th Avenue, 3rd Floor New York, NY 10020 180 Varick Street, 3rd Floor New York, NY 10014

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Charitable Pursuits The charities I support are like extended family. How do I maximize the good I can accomplish?

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A Commitment to 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.

Investors who choose Morgan Stanley 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.

equally acute knowledge of financial opportunities and the potential risks. This combination positions us to help develop, structure and execute strategies for your most important financial needs, from accumulating wealth to investing for income, from creating retirement reserves to devising a distribution approach that meets your lifestyle and legacy goals. inVESTmEnT inSighT wiThouT limiTS. As a client, you have access

• • • • • •

A STrong, STEAdy forcE in A chAnging induSTry CEO and senior team with deep wealth management experience 130 years of combined experience 800 global locations 16,934 Financial Advisors 6.8 million client accounts $1.7 trillion client assets

VAST ExpEriEncE. Drawing on many years of experience, Morgan Stanley understands the importance of shaping relationships that reflect client needs, preferences and aspirations. Our firm and Financial Advisors have an in-depth understanding of virtually all the challenges, goals, preferences, styles and strategies that distinguish wealthy investors. Additionally, as a truly global financial institution, we have an

to the strategic and tactical views of some of the world’s most seasoned and respected investment professionals. The members of our Global Investment Committee develop strategies that guide the management of advisory accounts and help to inform the decisions of clients across Morgan Stanley. The team is currently supported by the work of research analysts at two of the world’s largest investment banks, Morgan Stanley and Citi, who cover key geographic and economic sectors, as well as 4,100 companies. You also benefit from a premier trading and execution platform. Think of our 210 capital markets professionals as experienced, highly responsive and knowledgeable partners.

the resources to help meet them. Your Financial Advisor can help you evaluate immediate concerns and plan for long-term goals, be a sounding board for your investment ideas, and assist you in developing and executing a strategy that is precisely your own and help deliver results that meet your needs. Your Financial Advisor is your advocate within our firm, an intelligent editor who selects and aligns the many capabilities of Morgan Stanley for you, delivering the right resources to you in the way that is most appropriate for how you invest and what you want to achieve.

onE of ThE world’S STrongEST inVESTmEnT orgAnizATionS STAndS BEhind your finAnciAl AdViSor Financial Advisors have access to top-flight research from both Morgan Stanley and Citi. Combined, they analyze and track the progress of more than 4,100 companies all over the world.

pErformAncE ThAT SEEkS To mEET your mEASurE. Among the most im-

portant skills of our Financial Advisors is the ability to listen: to understand your financial needs and then align

Please read important disclosures on the back cover of this brochure

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Baer Wealth Management Group Large Brochure

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CREATIVE SERVICES 1221 6th Avenue, 3rd Floor New York, NY 10020 180 Varick Street, 3rd Floor New York, NY 10014

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10/ 2012 CRC 5 61 4 8 2

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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.

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JOB NAME:

Baer Wealth Management Group Large Brochure

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CREATIVE SERVICES 1221 6th Avenue, 3rd Floor New York, NY 10020 180 Varick Street, 3rd Floor New York, NY 10014

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CLIENT NAME:

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8.5" × 11" 0.125" Fold and Saddle Stitch

Group Large Brochure PAPER:

PROJECT MGR.:

SPECIFICATIONS 17" × 11"

Prisk, Kristine LaRosa, Anthony 100434

m1

DUE DATE:

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7398541 Baer Wealth Management Group Large Brochure_m1

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Baer Wealth Management Group Large Brochure

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CREATIVE SERVICES 1221 6th Avenue, 3rd Floor New York, NY 10020 180 Varick Street, 3rd Floor New York, NY 10014

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Alternative investments are speculative and include a high degree of risk and are suitable only for long-term investors willing to forego liquidity and put capital at risk for an indefinite period of time. Investors could lose all or a substantial amount of their investment. Structured Investments involves risks, which can include but are not limited to: fluctuations in the price, level or yield of underlying instruments, interest rates, currency values and credit quality; substantial loss of principal; limits on participation in appreciation of underlying instrument; limited liquidity; conflicts of interest; and Morgan Stanley Smith Barney credit risk for Morgan Stanley Smith Barney Structured Investments. 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. 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 visit us at http://www.morganstanleyindividual.com or consult with your Financial Advisor to understand these differences. Asset Allocation does not assure a profit or protect against loss in declining financial markets. Morgan Stanley Smith Barney LLC is a registered Broker / Dealer, 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. Banking and credit products and services are provided by Morgan Stanley Private Bank, National Association. Morgan Stanley Bank, N.A. or other affiliates. Investment services are offered through Morgan Stanley Smith Barney LLC, member SIPC. Unless specifically disclosed in writing, investments and services offered through

Morgan Stanley Smith Barney LLC are not insured by the FDIC, are not deposits or other obligations of, or guaranteed by, the Bank and involve investment risks, including possible loss of principal amount invested. Banking and credit products and services are provided by Morgan Stanley Private Bank, National Association., Morgan Stanley Bank, N.A. or other affiliates. Investment services are offered through Morgan Stanley Smith Barney LLC, member SIPC. Unless specifically disclosed in writing, investments and services offered through Morgan Stanley Smith Barney are not insured by the FDIC, are not deposits or other obligations of, or guaranteed by, the Bank and involve investment risks, including possible loss of principal amount invested. Borrowing against securities may not be suitable for everyone. You should be aware that securities-based loans involve a high degree of risk and that market conditions can magnify any potential loss. Most importantly, you need to understand that: – The loan can be called at any time and for any reason. – Sufficient collateral must be maintained to support your loan(s) and to take future advances. – You may have to deposit additional eligible securities or funds for investment on short notice. – Some or all of your securities may be sold without prior notice in order to maintain account equity at required maintenance levels. You will not be entitled to choose the securities that will be sold. These actions may interrupt your long-term investment strategy and may result in adverse tax consequences or in additional fees being assessed. – Morgan Stanley Smith Barney or its affiliates (the Firm) reserves the right not to fund any advance request due to insufficient collateral or for any other reason. – Your collateral maintenance requirements can be increased at any time without notice. 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. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trusts, estate planning and other legal matters.

© 2012 Morgan Stanley Smith Barney LLC. Member SIPC.

MECH

JOB INFORMATION 7398541 / 602458985

PROJ. NO.:

JOB NAME:

Baer Wealth Management Group Large Brochure

7398541 12/12

TRIM SIZE: FINISHED SIZE: BLEED: BINDERY:

CREATIVE SERVICES 1221 6th Avenue, 3rd Floor New York, NY 10020 180 Varick Street, 3rd Floor New York, NY 10014

DESCRIPTION:

CLIENT NAME:

COST CENTER:

NOTES TMPL: 7263291-Brochure-Large-Grp m3

8.5" × 11" 0.125" Fold and Saddle Stitch

Group Large Brochure PAPER:

PROJECT MGR.:

SPECIFICATIONS 17" × 11"

Prisk, Kristine LaRosa, Anthony 100434

m1

DUE DATE:

FILENAME:

7398541 Baer Wealth Management Group Large Brochure_m1

03/05/2013  03:49 PM

PRINTING:

COLORS:

80# Creator Gloss Cover

MODIFIED BY MW 12.27.12

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iGEN Digital Printing CMYK LAST MODIFIED:

December 27, 2012 2:25 PM