James R. Cotto
Corporate Client Group Director
Senior Vice President
Senior Investment Management Consultant
Wealth Advisory Services for Families of Fallen Heroes
2000 Westchester Ave 1NC
Purchase, NY 10577
914-225-4857
/ MAIN
866-938-4044 / TOLL-FREE 914-206-3843 / FAX
http://www.morganstanley.fa.com/james.cotto
James.Cotto@morganstanley.com
James R. Cotto
Corporate Client Group Director
Senior Vice President
Senior Investment Management Consultant
Every day, United States armed forces stationed around the world put
their lives at risk to protect America’s interests and ideals of freedom. It is
their duty and their responsibility, and they perform it with a great sense
of pride and dignity. The professionalism and heroism of our military is a
source of honor and respect for all Americans.
On October 23, 1983, we lost 241 U.S. service members to a terrorist
attack in Beirut, Lebanon, making this incident the deadliest single attack
on Americans overseas since World War II. Over 100 other Americans
were injured in the attack. Nothing can replace the loss of these brave
individuals, nor compensate for the physical and emotional impact on the
survivors and the families of those brave servicemen. As the son of a U.S.
Marine who was a veteran of World War II and the Korean War, I have
followed this story with great interest. When this tragedy occurred, my
father was very upset and hoped that someday justice would be served.
As a result, I since vowed that if the civil case against Iran were ever
resolved, I would assemble a group of professionals with diverse
expertise and talents to assist the families of these fallen heroes.
JAMES R. COTTO
3
My Background
James R. Cotto
Corporate Client Group Director
Senior Vice President
Senior Investment Management Consultant
James began his career as a financial advisor in 1988 at First Albany
Corporation before joining Merrill
Lynch in 1991. In 2001, he decided to
move his practice and joined
Wachovia Securities as a Managing
Director, Investment Officer. In
April 2009, he joined Morgan Stanley.
From 1995 to 2004, James assisted
the New York State Office of Mental
Retardation and Developmental
Disabilities (“OMRDD”), the nonprofit corporation servicing this state
agency and families of children with
disabilities. As a result of his efforts,
James was formally appointed by
Merrill Lynch as the spokesperson
for their “Families of Children with
Disabilities” program. He has been
featured on local, national and syndicated shows such as “Money Talks”
and “Good Day New York.” In 2009,
Barron’s Magazine recognized James
as one of the top 1,000 advisors in
the nation, and ranked him in the top
65 financial advisors for the state of
New York. James is a graduate of
Rutgers University in New
Brunswick, New Jersey. He currently
resides in Cross River, New York and
loves spending as much time as possible with his wife, Cory, and their
three children, Carol Ann, Raymond
and Lucy. James and his wife share a
passion for raising awareness for
Operation Smile, an international
charity that corrects facial deformities in children, because their
youngest child was born with a cleft
palate.
They currently sit on the
Benefactors Committee in New York
City and continually strive to ensure
that every child is given the opportunity to smile.
JAMES R. COTTO
5
Working with Me
After learning of the recent judgment awarding compensation to the
families of the victims of the Beirut bombings, I immediately got to
work to assemble the appropriate resources. We know living with this
tragedy for more than 31 years has certainly taken its toll on these
families. With the assistance of Morgan Stanley’s Veterans employee
network, we have assembled military veteran employees and their
specialist teams from various areas of wealth management. They have
been inspired to provide guidance and services to assist these families.
Here are some of the attributes my clients value about working with
me:
- An entrepreneurial spirit
- A commitment to uncovering highvalue opportunities in the marketplace
- A passion for excellence and success
- A sense of connection with my
community
- Broad relationships within my field
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MORGAN STANLEY
- A dedication to philanthropy
- A breadth of product knowledge
beyond the scope of traditional
investments
- A focus on the “big picture”
- An obsession with professionalism
I am committed to an uncompromis ing level of service, so I limit the number of clients with whom I work. Most
of them come to me as referrals, a tes tament to the relationships I have
with my clients. If this sounds like the
type of firm you would like to work
with, I welcome an opportunity to
speak with you.
What Makes Me Different?
For more than 25 years, I have been responsible for overseeing my
clients’ entire financial universe.
I strive to understand and define
your goals, then work with you to
help achieve them through a comprehensive wealth management plan.
I make a clear distinction between
financial advice and product selection, helping to ensure that all of my
recommendations are aligned with
your specific needs.
Diverse Skills and Deep Specialties
I provide a wide array of advice and
assistance to my clients and continually strive to exceed their highest
expectations. I offer specialized
knowledge in such topics as:
- Financial planning
- Business planning
- Estate and trust services
- Philanthropic services
- Lending services
- Cash management
- Risk management
- Foundation counseling
High-Touch Services
I provide a great deal of focus and
attention to each client family. By
adhering to a rigorous process, I am
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MORGAN STANLEY
able to deliver a menu of complex
services in a consistent manner. As a
client, you will receive integrated
reports that facilitate “big picture”
decision making, as well as quarterly
reviews. You will also benefit from
relationship pricing across your family group, as well as consistent, integrated, comprehensive services that
consider the short- and long-term
goals of your entire family.
Multi-Generational Planning
I typically work with an entire family– the patriarch/matriarch, their
children and grandchildren. Planning
encompasses the family’s goals,
which usually include passing wealth
down to the next generation in a taxefficient manner. Children and
grandchildren are clients and are
counseled on investments, estate
planning, and philanthropy from an
early age. We often coordinate and
moderate family meetings for our
clients.
Comprehensive Capabilities
I don’t just believe in offering prod-
ucts and services, but providing solutions for my clients. I am committed
to providing skills and capabilities,
creatively integrating specialized
services that may extend far beyond
those of other advisors. Essentially,
the goal is to provide whatever financial information that will help meet
your defined objectives.
Custtomized Approach and
Confidentiality
My multi-family office approach
offers integrated, interdisciplinary
services to high net worth individuals and families. I provide customized service and confidentiality
at the highest level. I can function as
your center of influence, as I am
focused on asset protection, cost control, financial education, family philanthropy and a host of other needs.
Combined with the global resources
of Morgan Stanley, I can offer you
and your family the kind of deep,
holistic wealth management that will
help you achieve your financial goals.
Benefits to My Approach
Here is a sample of the services I can provide:
· Confidentiality in the management
of your financial and personal affairs
· A focus on continuity of family
wealth across generations
· Cross-fertilization of ideas resulting
from solving issues for multiple families
· A strong commitment to education
and responsibilities of ownership
· Access to a wide array of integrated
services
· Coordinated teams of qualified professionals who can collaborate on
your wealth management matters
· Strategies that are customized for
each household
· Experience in managing generational transitions
· Objective financial advice
· Relationship pricing for inter-disciplinary services
· Selection and monitoring for
accredited investors
· Portfolio management
· Comprehensive performance
reporting
· Estate planning strategies
· Close coordination with your other
advisers
· Integration of estate planning,
investments, philanthropic goals and
family situations
· Philanthropic planning
· Life insurance analysis
· Trustee services
· Debt structure and analysis financing
· Coordination of professionals
· Foundation management
· Risk management and asset protection consulting
· Family business advisory services
· A comprehensive planning process
· Family counseling / family meetings
· Cash management
· Disciplined, proactive management
of client affairs
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MORGAN STANLEY
· Sufficiency and retirement planning
· Global asset allocation and investment strategy consulting
Meet the Veterans Employee
Networking Group Professionals
John W. Picone
Managing Director, Global Wealth
Management
Head of National Sales, Retirement
and Insured Solutions
John W. Picone is a Managing
Director at Morgan Stanley and is
Head of National Sales for
Retirement and Insured Solutions.
He previously held a number of senior positions in Morgan Stanley’s
wealth management and investment
management businesses over the past
18 years.
John served in the U.S. Marine Corps
and is co-Chairman of the Morgan
Stanley Veterans Employee
Networking Group. He has represented Morgan Stanley on many veteran-related initiatives, including the
development of finance and business
content for the curriculums at the
Naval and Army War colleges. Most
recently, John developed an initiative
that Morgan Stanley is currently
implementing across the country in
at-risk school districts. The program
will implement the Congressional
Medal of Honor Foundation’s flagship Character Development
Program.
John has been a longstanding mentor
for veterans through American
Corporate Partners, and has spear-
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MORGAN STANLEY
headed Morgan Stanley’s effort to
increase the number of mentor volunteers. He is also a member of the
American Legion.
John received the “Rising Stars of
Mutual Funds” award from
Institutional Investor Intelligence in
2012. He also co-founded the
National Unit Trust Association, and
previously served as its president and
member of its board. John earned an
MBA from the Peter J. Tobin School
of Business, and graduated the
Securities Industry Institute at The
Wharton School. He holds the Series
3, 7, 24 and 63 licenses as well as his
Life and Health insurance credentials. John has three children and
currently lives in Dutchess County,
New York.
John Hesse
Executive Director
Director of Distribution, Funds and
Unit Trusts
John Hesse joined Morgan Stanley in
2004 as a Mutual Fund Consultant
for the Southwest Region. Prior to
joining Morgan Stanley, John worked
for Merrill Lynch for 11 years as a
Financial Advisor, Complex Risk
Officer, Branch Manager and
Complex Sales Manager. While at
Merrill Lynch, John was one of the
architects of the Supernova program,
coaching numerous Financial
Advisors in Client Segmentation,
Service, Retention and Acquisition.
John assumed the role of Director of
National Sales for Mutual Funds,
Closed End Funds, Exchange Traded
Funds, Unit Trusts and College
Savings Plans for the Morgan Stanley
Investment Solutions Group in July
2009. He holds FINRA Series 24, 3,
63, 65, 7, and 8 licenses, the designation of Chartered Mutual Fund
Counselor (CMFC) from the College
of Financial Planning, the designation of Certified Fund Specialist from
the Institute of Business and
Finance, and is a Certified Microsoft
Office Specialist. He is the author of
numerous mutual fund business
tools, including the Managed Asset
Profile Report and the Asset
Manager Breadth and Depth Report.
Originally from Fayetteville, North
Carolina, John graduated from the
U.S. Naval Academy in 1987, with a
Bachelor of Science degree in
Political Science. John served as the
Navigator and Gunnery Officer
aboard the USS Semmes (DDG-18)
from 1987 to 1991 and as a Naval
Weapons Instructor in Charleston,
SC from 1991 to 1993. John is based
in St. Louis and lives in O'Fallon,
Missouri with Tina, his wife of 23
years, and their two children, Emily
and Phillip.
(continued on page 14)
Meet the Veterans Employee
Networking Group Professionals
(continued)
Robert Peyreigne
Senior Vice President
Complex Manager, Madison Avenue
Complex
positions at the firm within the areas
of platform development, product
development, and business management.
With more than 20 years of financial
services experience, Bob Peyreigne is
the current Complex Manager of
Morgan Stanley’s Madison Avenue
Complex in Manhattan. He joined
Morgan Stanley in 2006.
Vaughn is an active member of the
investment industry. He is a member
of the CFA Institute and the Private
Wealth Management Committee of
the New York Society of Security
Analysts. Vaughn is also a Major in
the Military Intelligence branch of
the US Army Reserves, and a veteran
of Operation Iraqi Freedom.
Bob attended the U.S. Naval
Academy, where he also played
lacrosse. After graduation in 1981, he
served for more than eight years as a
naval aviator flying the A6-E
Intruder, accomplishing more than
100 night carrier landings.
Bob began his career with Kidder
Peabody in the Garden City, NY
office. Over the past 20 years, he has
served as a financial advisor and has
held several management positions at
UBS and Merrill Lynch. He currently
resides in Weston, CT with his wife,
Betsy, and their three children,
Nichole, Alexander, and Christine.
Vaughn Bowman
Executive Director
Vaughn Bowman is an Executive
Director at Morgan Stanley and is
responsible for goals-based investing
within the Investment Products and
Services organization. Prior to this
role, Vaughn held a wide range of
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MORGAN STANLEY
Vaughn received his Bachelor of Arts
degree in English Literature from
New York University and holds the
Chartered Financial Analyst designation. In his private life, Vaughn is
active in his community in White
Plains, NY, where he lives with his
wife and three children. He participates in several charities that benefit
underprivileged youth and military
veterans, including Big Brothers Big
Sisters and the Stephen Siller
Foundation.
Timothy Pubins
Executive Director
Private Bank Group-Lending
Timothy Pubins joined Morgan
Stanley in May 2011 as the Head of
High Net Worth Lending, Product
Solutions. Most recently, he has been
leading Morgan Stanley’s efforts to
develop and enhance their wealth
management lending product offering.
Prior to joining Morgan Stanley, Tim
worked at Merrill Lynch from 1998
to 2011 in a variety of leadership
roles in Merrill Lynch’s Global Bank
Group. Tim held numerous positions
during this time, including senior
roles in Merrill’s U.S. and
International Banks. Tim’s last role at
Merrill Lynch was Head of Lending
Services, where he had responsibility
for the day-to-day management of all
of Merrill Lynch’s Credit Operations
in the U.S. and Latin America. He
also served as the Chief Operating
Officer of Merrill Lynch Cayman
Bank Ltd. While at Merrill Lynch,
Tim was one the key members of the
team that launched Merrill Lynch’s
market-leading wealth management
focused banking and lending business.
Originally from Chicago, Tim enlisted in the U.S. Navy, where he served
honorably as a Dental Technician.
During his military service Tim was
promoted to the rank of Petty Officer
Third Class and trained and served at
several different locations. Tim
works out of our offices in New York
City and lives in Doylestown,
Pennsylvania, with Michele (LCDR
USNR), his wife of 18 years, and their
four children, Rachel, Sarah,
Katherine, and Elizabeth.
Chris Allen
Assistant Vice President
With more than 15 years of experience with Morgan Stanley, Chris
Allen is currently working in the
firm’s “We Hear You” division, facilitating feedback from financial advisors in the field. He is responsible for
optimizing their experience with the
Morgan Stanley financial advisor
platform.
Prior to taking on his current role,
Chris spent 14 years in the firm’s
Technology Training Group, as the
head of Training in the New York
City branch. There, he was responsible for training Morgan Stanley
financial advisors, management and
sales support teams on all of the
firm’s technology initiatives and platforms. Chris also assisted with the
firm’s recruiting efforts by demonstrating technology to potential
recruits during the recruiting and onboarding process of newly hired
advisors.
Chris graduated from the State
University of New York in 1994. He
served in the U.S. Marines from 1985
until 1989.
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A CULTURE of
EXCELLENCE
OVER THE YEARS, YOU WILL MAKE 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.
Thoughtful decision-making usually
begins with a lot of questions. As you
get answers and information, you can
develop a framework for evaluating
different choices and strategies. Little
by little, you gain both the knowledge
and the confidence to make decisions
and create a wealth plan that helps you
achieve your goals.
You will find your Morgan Stanley Financial Advisor to be a source
of objective information and ideas as
you begin to assess how to best manage your wealth. Over the course of
many years, our firm and Financial
Advisors have developed an in-depth
understanding of virtually all the challenges, goals, preferences, styles and
strategies that distinguish wealthy investors. This experience is combined
with access to a wide array of resources
designed to help you maximize what
you have and accomplish your specific
goals — whether you are preparing for
the cost of educating children, managing risk in your portfolio or finding
ways to increase the impact of your
charitable contributions.
Your Financial Advisor is an advocate
within our firm, an intelligent editor who
selects and aligns the many capabilities
of Morgan Stanley for you, delivering
resources to you in the way that is
appropriate for how you invest and
what you want to achieve. ŅŇŊĿĹņ ŋŌĹņńĽő
The Morgan Stanley Veterans Employee Networking Group
Morgan Stanley is dedicated to supporting our country’s military veterans and has developed the Morgan Stanley Veterans Employee
Networking Group to provide a host of services to our financial advisors, our employees and members of our local communities to
demonstrate our commitment.
The Morgan Stanley Veterans Network focuses on four core areas:
• Networking. Providing members of the Morgan Stanley Veterans
Employee Networking Group with opportunities to network, mentor,
support and connect with one another as they navigate their careers
and transition from or to active service.
• Talent Development. Offering second career opportunities in financial services through active recruiting initiatives.
• Communication. Identifying ways to further enhance the visibility of
our servicemen and women.
• Community Service. Engaging in volunteering activities and community and other outreach programs, specifically related to military
organizations.
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MORGAN STANLEY
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 recom© 2014 Morgan Stanley Smith Barney LLC. Member SIPC.
CRC 1011795
mends 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.
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