The Red River Group at Morgan Stanley. Goals Based Financial Planning

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1 The Red River Group at Morgan Stanley Goals Based Financial Planning

2 th Street South Suite 402, Fargo, ND / MAIN / TOLL-FREE / FAX kevin.j.dekrey@morganstanley.com peter.c.hovey@morganstanley.com

3 The Red River Group at Morgan Stanley Over the years, we have developed a comprehensive, goals-based planning process that takes a holistic view of your current and future priorities both financial and non-financial. This allows us to customize the solutions we offer you to help you integrate all of your priorities. Two members of our team are designated Financial Planning Specialists and one has earned the prestigious title of CERTIFIED FINANCIAL PLANNER (CFP ). As such, we are able to apply an advanced knowledge of investments and risk management concerns on behalf of your retirement goals and objectives. And, we pride ourselves on being able to work seamlessly with your accountant, attorney and other advisors on estate and tax issues during times of change and transition. Our team-based approach ensures there is always someone available who understands your needs and is ready to help. It s the key to the strong and long-lasting relationships we establish with our clients, often continuing through multiple generations. THE RED RIVER GROUP 3

4 Meet the Professionals Kevin J. DeKrey, CFP Financial Planning Specialist First Vice President Financial Advisor Left to Right: Peter Hovey, Debi Hagen, Jane Sederquist, and Kevin DeKrey Kevin DeKrey, CFP, applies financial planning along with conciergelevel service to build customized plans designed to match the business and personal goals of The Red River Group clients. His more than 20 years experience as a Financial Advisor and his advanced credentials as a CERTIFIED FINANCIAL PLANNER allow him to identify and analyze the unique challenges that his clients face and to develop specific strategies to help mitigate taxes, monetize and protect assets, maximize growth, and transfer wealth. Kevin graduated from Minnesota State Moorhead with a Masters degree in Business Administration and earned his Bachelor s of Science degree in Business with a minor in Economics at North Dakota State University. He spent 11 years in banking, 8 of them as a commercial loan officer, before becoming a Financial Advisor in Kevin loves to play tennis and earned a black belt in Tae Kwon Do in He and his wife Connie have one daughter and live in Fargo, ND. 4 MORGAN STANLEY

5 Peter C. Hovey Financial Planning Specialist Vice President Financial Advisor As a Vice President and Financial Planning Specialist with The Red River Group, Peter focuses on a client-centered, goal-based financial planning process. Using this model, he designs strategies that integrate and match his clients multiple financial and non-financial objectives through the varying stages of their lives. Peter is also deeply committed to providing his clients with the highest level of service as they navigate their financial lives. Peter graduated with a Bachelor s of Science degree in Biology and a minor in Chemistry from Bethel University in St. Paul, MN. After graduation, he joined Morgan Stanley and began to apply his analytical skills to helping people in the financial markets. In 2010, he and Kevin DeKrey saw an opportunity to combine their complementary skills and create a stronger foundation for their clients by establishing The Red River Group at Morgan Stanley. Peter resides in Fargo, ND but spends most of his free time at the lake with family and friends or pursuing his passion for adventure and travel. Debi Hagen Senior Client Service Associate As a Senior Client Service Associate, Debi brings 30 years of experience in financial services to the Group s clients. She provides first-class service to clients as well as caring support for the team. She is the first point of contact for all client questions and makes it her job to ensure answers and resolution are found and provided to each client s satisfaction. Debi appreciates that the Red River Group recognizes and calls upon the skills of each team member, enabling them to provide each client with the best possible service. Debi graduated from Minnesota State University Moorhead with a Bachelor s degree in Elementary Education and a minor in Early Childhood Education. She and her husband Larry live on the Minnesota side of the river and have two grown daughters who are both still in the area. They spend as much time as possible at the lake with family and friends where they enjoy boating, fishing, biking, walking and anything that keeps them outdoors. Jane Sederquist Registered Associate Jane Sederquist brings her significant financial background to The Red River Group and its clients. Her past experience as a CPA gives her substantial financial problem solving skills and an ability to communicate clearly with clients about their finances. Jane functions as the Group s Registered Associate and is instrumental in the daily operations of the team. She executes unsolicited buy and sell orders, works on specific client projects and facilitates a multitude of operational and support requests. A former CPA, Jane joined Peat Marwick Mitchell after graduating from Minnesota State University Moorhead with a Bachelor s of Science degree in Accounting. She later worked as an Internal Auditor and Senior Financial Analyst with MSI Insurance before retiring to stay home and raise her three sons. She re-entered the workforce in 2011, choosing to join The Red River Group. Outside of work, Jane and her husband Dave enjoy biking, skiing and spending time with family and friends at the lake. THE RED RIVER GROUP 5

6 Developing Your Wealth Management Strategy Your achievements reflect substantial effort, and we will work just as hard on your behalf, committing our experience and services to helping you achieve your unique goals for your wealth. Moreover, we will support you and your strategy with the resources and perspective of one of the world s largest financial firms. 1 We will discuss your current financial resources, time horizon for your goals, tolerance for risk even how your liabilities are structured. If you own a business, we also might discuss your current lending and cash management needs and plans for future growth. 6 MORGAN STANLEY

7 Discover Plan 2 We will present a plan to help address needs such as income and retirement planning, asset protection, investment management, strategic borrowing, wealth transfer and business succession. We will also recommend an asset allocation strategy reflecting your risk tolerance and investment time horizon. Review Implement 3 The team will work closely with you to bring the elements of your plan to life, helping you to select from the hundreds of investment management firms available to you, and identify specific stocks, bonds and other securities that may be suitable for your portfolio. Then we will closely monitor your portfolio. 4 You will receive a comprehensive quarterly performance review, helping you track progress toward your objectives. 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.

8 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. Retirement planning Education 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 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.

9 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 Building a unique legacy Estate planning strategies 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. Helping strengthen 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 and lending services of Morgan Stanley. Helping protect 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. Helping meet 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. THE RED RIVER GROUP 9

10 The transitions we all face as we go through life can be daunting. Your Team at The Red River Group is dedicated to providing you with the strategies and resources that can help provide structure and clarity as you transition through different phases of your financial life. We look forward to the opportunity to start that conversation I value the trust and confidence of our clients as well as the opportunities to provide guidance and insight especially in times of transition. -Peter Hovey I m energized by the relationships that are forged from helping clients create their own unique financial landscapes. -Kevin DeKrey 10 MORGAN STANLEY

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12 Peter Hovey NMLS # Kevin DeKrey NMLS # 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 Morgan Stanley Smith Barney LLC. Member SIPC /2016 CRC CA Insurance Lic # 0H99430