WALL STREET WEST - Morgan Stanley

WALL STREET WEST - Morgan Stanley

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THE EVOLUTION OF FINANCIAL INTELLIGENCE

HOW TECH WEALTH IS TRANSFORMING SAN FRANCISCO INTO ONE OF THE WORLD’S MOST POWERFUL FINANCIAL CENTERS

WALL STREET WEST

34 WO RT H .C O M

VOLU M E 24

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EDITION 01

Dallas, TX

Leading Wealth Advisor

The Moore Group at Morgan Stanley Marie A. Moore, CPM®, Managing Director–Wealth Management and Financial Advisor; Shawn D. Moore, CFP®, Financial Advisor; Jacqueline B. Kennedy, Financial Advisor

How can goal-based planning and investing help me? By The Moore Group Goal-based financial planning is a process that seeks to match your life goals to a financial framework for achieving those goals. Your specific objectives are prioritized based on needs (must have) versus wants (like to have). The framework follows a timeline from near term, to intermediate term, to long term. Some call this a bucket approach. You can create separate investment buckets that allow for potentially different saving, investment and risk characteristics that align with your specific goals. Risk tolerance is an important consideration. The level of investment risk that you may be comfortable taking for retirement 25 or more years away may differ from saving for a child’s college education 10 years away. Retirement and college savings are common goals and are typically separated into distinct investment accounts, but what about other objectives? Other goals could include: saving for a daughter’s wedding, a vacation home, an epic family trip, the legacy you leave or, possibly, philanthropic goals. Such varied purposes may require you to set very different priorities and time horizons, while determining a separate level of acceptable risk exposure for each.

Ongoing success is measured against your being on track to accomplish your stated goals. If you have projected the total amount needed to fully fund a goal as of a certain future date and have reached that amount sooner, you can reduce the risk exposure to that bucket and focus extra attention on other areas. The process leads you to readily see how close you are to achieving the important things on your list rather than just watching the value of your investment portfolio rise and fall without a strong connection to what that means for you personally. This approach can also help you sustain your commitment to your plan, potentially helping you avoid common behavioral impulses regarding buying and selling investments—fear-based reactions that could ultimately do more harm than good. If a goal’s stated funding objective is coming up in the short term, then that bucket would probably be handled very conservatively, unless you are comfortable with an unexpected market drop and the consequence of being exposed to that risk. Risk management has greater meaning when you look beyond the numbers

to understand what you are really protecting. By focusing on your saving and investing goals, you can more precisely manage risk in other areas. Examples include determining the impact that the loss or reduction of family income could have and knowing how much life, disability or longterm care insurance you may want or what kinds of coverage overall make the most sense for you. Generally, goalbased planning allows for the potential of better, more informed decisions. It may seem like common sense to plan and invest focused around your life’s goals, but it hasn’t always been done that way. Traditionally, investments have been focused mostly on retirement, education and savings, with everything else lumped together. We find that going through the process of goal-based planning and investment management really can help you to feel a connection between the numbers and what those numbers mean to your life. That’s much more meaningful than simply looking at what some index or benchmark has done, which, without context as to how it impacts you and your family, lacks meaning for your situation.

Marie A. Moore is a Financial Advisor with the Wealth Management division of Morgan Stanley in Dallas, Texas. The views expressed herein are those of the author and may not necessarily reflect the views of Morgan Stanley Smith Barney LLC. Member SIPC. www.sipc.org. Morgan Stanley Financial Advisor(s) engage Worth to feature this profile. Marie A. Moore may only transact business in states where she is registered or excluded or exempted from registration, www.morganstanleyfa.com/themooregroup.Transacting business, follow-up and individualized responses involving either effecting or attempting to effect transactions in securities, or the rendering of personalized investment advice for compensation, will not be made to persons in states where Marie A. Moore is not registered or excluded or exempt from registration. The strategies and/or investments referenced may not be suitable for all investors. Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. 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. Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the US. (CRC1070073 12/14)

live

How to reach the Moore Group We welcome the opportunity to work with you. Please contact us for a complimentary evaluation: call 214.696.7175, text 214.600.9606 or email [email protected]

grow

“This approach helps you avoid common behavioral impulses regarding buying and selling investments—fear-based reactions that could do more harm than good.”

make

—The Moore Group

Marie: Barron’s Top 100 Women Financial Advisors award1 Shawn: Magazines, awards, plans and research Jacqueline: An endless stream of fresh flowers

Standing, left to right: Marie A. Moore, Jacqueline B. Kennedy; seated: Shawn D. Moore

About the Moore Group at Morgan Stanley Marie A. Moore is a family wealth director and senior portfolio management director at Morgan Stanley, with more than 26 years of experience. Prior to joining the firm, she was manager of mergers, acquisitions and divestitures with Texas Instruments, where she bought and sold corporations, divisions and product lines to round out the company’s strategic plans. Working with her son, Shawn D. Moore, CFP®, financial advisor, and Jacqueline B. Kennedy, financial advisor, Ms. Moore ensures that the focus of the Moore Group is on the planning and investment needs of families, from grandparents to grandchildren. Through its family wealth management practice, the Moore Group helps families to not only preserve but also communicate their traditions, histories and values to future generations. Assets Under Management $360 million (as of 8/2014)

Association Memberships Association of Professional Investment Consultants, Association for Corporate Growth, National Association of Accountants

Minimum Net Worth Requirement $5 million (planning services) $2 million in assets (investment services)

Professional Services Provided Planning, investment advisory, corporate and money management services, lending, philanthropy and business development

i l l u st r at i o n b y k e v i n sp r o u l s

Minimum Fee for Initial Meeting None required Largest Client Net Worth $180 million Financial Services Experience Marie, 26 years; Shawn, 9 years; Jacqueline, 3 years

Education Marie: CPM, Columbia University; MBA, University of Dallas; M&A certification, Northwestern University, Kellogg School of Management; BBA, finance and accounting, University of Texas at Arlington; Shawn: CFP®, College for Financial Planning; BS, MIS, University of North Texas; Jacqueline: BA, advertising, University of Oklahoma; MBA, Southern Methodist University Primary Custodian for Investor Assets Morgan Stanley Smith Barney LLC Website www.morganstanleyfa.com/themooregroup

Compensation Method Asset-based and fixed fees, commissions (investment and insurance products)

Email [email protected] [email protected] [email protected]



Please visit www.morganstanleyfa.com/themooregroup for more information on the Barron’s Top 100 Women Financial Advisors award methodology and criteria.

1

The Moore Group at Morgan Stanley

8383 Preston Center Plaza Drive, Suite 400, Dallas, TX 75225 worth.com

214.696.7175

f e b r ua ry- m a r c h 2 0 1 5

091

The M o o re Gro up at Mor gan Stanley

What’s on my desk…

Marie A. Moore, CPM® Managing Director–Wealth Management and Financial Advisor

Shawn D. Moore, CFP® Financial Advisor

Jacqueline B. Kennedy Financial Advisor

The Moore Group at Morgan Stanley 8383 Preston Center Plaza Drive, Suite 400 Dallas, TX 75225 Tel. 214.696.7175 [email protected] [email protected] [email protected] www.morganstanleyfa.com/themooregroup

REPRINTED FROM ®

the evolution of financial intelligence

The Moore Group at Morgan Stanley is featured in Worth® 2015 Leading Wealth Advisors™, a special section in every edition of Worth® magazine. All persons and firms appearing in this section have completed questionnaires, have been vetted by an advisory group following submission by Worth®, and thereafter paid the standard fees to Worth® to be featured in this section. The information contained herein is for informational purposes, and although the list of advisors presented in this section is drawn from sources believed to be reliable and independently reviewed, the accuracy or completeness of this information is not guaranteed. No person or firm listed in this section should be construed as an endorsement by Worth®, and Worth® will not be responsible for the performance, acts or omissions of any such advisor. It should not be assumed that the past performance of any advisors featured in this special section will equal or be an indicator of future performance. Worth®, a Sandow Media publication, is a financial publisher and does not recommend or endorse investment, legal or tax advisors, investment strategies or particular investments. Those seeking specific investment advice should consider a qualified and licensed investment professional. Worth® is a registered trademark of Sandow Media LLC. See “About Us” for additional program details at http://www.worth.com/index.php/about-worth.