Mary Ann Coulson, CRPC®

Mary Ann Coulson, CRPC
®
Senior Vice President
Branch Manager
50 Fountain Plaza, Suite 800
Buffalo, NY 14202
716-849-4884
/ MAIN
[email protected]
Managing wealth involves far more than managing an
investment portfolio. It begins with developing a holistic,
comprehensive understanding of who you are and the financial forces at work in your life. It means helping you understand and respond effectively to these forces. And, of course,
it means helping you invest your assets in a way that reflects
the realities of your life and the uniqueness of your long
term goals.
As a Financial Advisor, I am committed to building a relationship of trust in which I can work closely with you to help
you define your objectives, explore alternatives and choose
the financial and investment strategies that are most appropriate for you. As our relationship evolves, I hope you will
come to regard me as a valued resource and a professional
who can help you make a more informed decision on any
financial issue.
My most important goal: to help you achieve your objectives, providing guidance that helps your wealth do more for
you.
MARY ANN COULSON
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My Background
Mary Ann Coulson, CRPC®
Senior Vice President
Branch Manager
Mary Ann Coulson is a highly
respected and experienced financial
executive at Morgan Stanley. Having
worked more than 25 years with the
firm, she offers seasoned, wellrounded professional experience
with in-depth knowledge of the
financial landscape.
Currently, Mary Ann is a Senior
Vice President and Branch Manager
of Morgan Stanley’s Buffalo, N.Y.
office. She holds numerous licenses;
Series 3, 7, 8, 63, 65 and Insurance as
well as the highly regarded CHARTERED RETIREMENT PLANNING
COUNSELOR, which enables her to
provide advice to clients helping
them create sound, thorough financial plans for their golden years.
Mary Ann is, and always has been
very involved in the community. She
serves as a Board Member of Buffalo
Prep and Chairperson of the Board of
Trustees at The Gow School. She is a
past board member of Greater
Niagara Frontier Council Boy Scouts
of America, The Buffalo Branch of
The International Dyslexia
Association, Junior Achievement of
Western New York, and The West
Seneca, Lafayette and Lancaster
Academy of Finance.
Mary Ann believes a balanced life is
the essence of happiness. As such,
when she is not working, she enjoys
spending quality time with David,
her husband of 15 years, at their
home in Orchard Park, N.Y. Mary
Ann and David have one son, Adam, a
four-year student at Gow who graduated from the University of
Cincinnati in 2011. Adam recently
joined the Kroger Company
Corporate Office as a store planner
for the facility-engineering department.
Whether you would like to establish
a new relationship with a well-seasoned financial executive or, if you’re
a financial professional, and would
like to consider working at a highly
respected branch office, Mary Ann
can be a resource for you. For more
information, call (716) 849-4884.
MARY ANN COULSON
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Developing Your Wealth
Management Strategy
Individuals work hard to build wealth in pursuit of a meaningful life for themselves and their family. Your achievements
reflect substantial effort, and I will work just as hard on your
behalf, committing my experience and skills to helping you
achieve your unique goals for your wealth. Moreover, I will
support you and your strategy by accessing the resources
and perspective of one of the world’s largest financial firms.
Before I offer specific advice, however, I must understand who you are
and what you want your wealth to
accomplish. Working with you, I will
complete a four-step process:
1 Setting your financial objectives
I will begin our relationship by listening—discussing a range of topics
related to your financial needs and
investment objectives: long-term life
goals and expectations, possible
major purchases, and legacy and
charitable goals, if you have them. I
will discuss your current financial
resources, your time horizon for various goals, your tolerance for risk —
even how your liabilities are structured. If you own a business, I also
might discuss your current banking
and cash management needs.
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MORGAN STANLEY
2 Developing your wealth
management strategy
Based on your input, my advice will
likely help address income and retirement planning, asset protection,
investment management, strategic
borrowing, wealth transfer and business succession. Of course, your plan
will include an asset allocation strategy designed to help achieve your
financial goals in light of your risk tolerance and investment time horizon.
3 Implementing your strategy
After I have discussed and refined
your strategy, I will work closely with
you to bring the elements to life.
Should we decide together that out-
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side money managers are appropriate
for you, I will draw on in-depth
research and analysis to help you
select from the hundreds of investment management firms available to
you. If you prefer to invest in individual securities, I can help identify specific stocks, bonds and other securities that may be suitable for your portfolio. Whatever approach we decide
on, I will help you keep your strategy
on track.
4 Reviewing your performance
You will receive a quarterly review
that outlines your portfolio’s performance, helping you track progress
toward your objectives. Moreover,
when your personal situation or market conditions change significantly, I
can suggest appropriate adjustments
to your portfolio to help it remain
aligned with your goals.
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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.
Morgan Stanley 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 trust and estate planning and other
legal matters. Morgan Stanley Smith
Barney LLC 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 contact us to understand
these differences.
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. Unless otherwise specifically
disclosed to you 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, banks and involve investment risks, including possible loss of principal amount invested.
Asset allocation and diversification do
not guarantee a profit or protect against
loss.
Morgan Stanley Smith Barney LLC is a
registered brokerdealer, not a bank. Where
© 2012 Morgan Stanley Smith Barney LLC. Member SIPC.
CRC 12658
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