The Schwamb O’Day Group at Morgan · PDF fileAt The Schwamb O’Day Group at Morgan...

The Schwamb O’Day Group at Morgan Stanley

8165147_SchwambGroup_CRD_Brochure_m2.indd 1 3/13/15 5:42 PM

1300 Franklin Avenue Garden City, New York, 11530

844-890-0011 / MAIN

516-248-2802 / FAX

Richard S. Schwamb, C(k)P®Corporate Retirement DirectorSenior Vice President Financial [email protected]

John O’Day, CRPC®Corporate Retirement DirectorSenior Vice PresidentFinancial [email protected]

Joshua B. DiamondFinancial [email protected]

Richard GlasserBusiness Development [email protected]

Lisa Jacaruso-BrennanSenior Registered [email protected]

The Schwamb O’Day Group


3THE SCHWAMB O’DAY GROUP

A team of highly regarded wealth management professionals, The Schwamb O’Day Group at Morgan Stanley provides custom-tailored advice and guidance, specialized experience and investment solutions to address the specific needs of:• Corporate Retirement Plans• Not-for-Profit Organizations• Foundations & Endowments• Small Business Owners• High Net Worth Individuals & Families

Our MissiOn-Based PhilOsOPhyOur practice is defined by our laser-focused approach to helping our clients achieve their goals, aligning their investments to reflect their values. Simply put, our mission statement is “to enable Americans to retire on their terms with dignity.”

ThOughT leadershiP and FOrward ThinkingWe know how to get to the heart of the strategic issues facing our clients and equip them to make informed, confident decisions. Our exposure to a diverse range of clientele and industries informs our guidance and enables us to bring fresh ideas, challenge traditional thinking and incorporate a sophisticated framework into the strategies and solutions we provide. What’s more, our involvement with industry leadership organizations, such as National Association of Plan Advisors (NAPA), PLANSPONSOR, PLANADVISER, and The Plan Sponsor University (TPSU), provides our clients with up-to-date, cutting-edge information helping to ensure the realization of their retirement goals and aspirations.

a COMMiTMenT TO exCellenCeOur clients believe, as we do, in the importance of building deep and long-lasting relationships with their advisors. They deserve — and expect — a team of experienced professionals who shares their vision, earns their trust and works diligently to create a customized financial roadmap that is designed to achieve financial success. They have learned to depend on our deep understanding of the world’s financial markets. And, above all, they have grown to appreciate our commitment to excellence, which has become the trademark of our practice.

The Schwamb O’Day Group: Tailored Advice that Delivers Results


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Institutions, nonprofits and high net worth private clients all face unprecedented challenges in today’s financial environment — complex regulations that change frequently, escalating expenses that detract from investment returns and global forces that shape market behavior.

Investment committees often hire consultants to help them navigate these challenges, but sometimes find they don’t receive the attention they were promised.

At The Schwamb O’Day Group at Morgan Stanley, we purposely focus on a select group of clients, so that we may dedicate the time, attention and superior service they each deserve. Every solution is fully customized to our clients’ needs and no two programs are ever alike.

Specialized Consulting Services from a Market Leader

a disTinCT alTernaTiveAt The Schwamb O’Day Group, we combine the vast resources of a pre-mier global firm with the personalized service of experienced wealth manage-ment consultants who have spent their entire careers advising individuals and institutions throughout the tri-state area and across the United States.

Together, Richard Schwamb and John O’Day have more than 40 years of experi-ence in their previous roles as Corporate Treasurers and Controllers for Fortune 1,000 companies. What’s more, they are consistently recognized nationally as one of the top retirement plan consultants in the country by several third-party industry organizations, including 401(k) Wire and PLANSPONSOR Magazine.

wOrld Class reTireMenTPlan serviCesMany of the most highly regarded or-ganizations in the country have turned to us to provide comprehensive consult-ing services for their retirement plans. Our clients know they can depend on us to provide a world class experience, assisting them with their fiduciary re-sponsibilities as a plan sponsor, while providing unmatched service to them and their employees.

Over time, we are truly seen as an extension of our clients’ leadership teams and their Human Resource departments, being called upon regularly to provide guidance on all types of financial questions – from the very large to the very small. We

deliver all of our services within to-day’s ever-expanding and complex ERISA guidelines.

an unParalleled COMMiTMenTTO The reTireMenT MarkeTPlaCeIn 2015, we were proud to join forces with Morgan Stanley, one of the larg-est investment advisory firms in the world, to provide our clients with enhanced f lexibility, pricing and cutting-edge technologies.

Over the past 40 years, Morgan Stanley has positioned itself as a world leader in investment consulting services for retirement plans. In fact, many of the most well regarded organizations in the country – and the world – have turned to Morgan Stanley for their


industry-leading innovations, best prac-tices and commitment to this market.

We are excited to now be part of the Morgan Stanley family, where we can continue to provide our clients with state-of-the-art services and what we believe to be unparalleled fiduciary oversight capabilities with a firm with $2 trillion in assets under management (as of February 2015) that stands with us and our clients.

The “TOTal ClienT exPerienCe” In addition to our highly specialized retirement benefit services, we are proud of the customized financial solutions we deliver to our high net worth indi-viduals and families.

Our wealth management approach is focused not only on helping you articulate your goals, but also on re-viewing all aspects of your financial life – how to preserve wealth, how to build it and how to leave the legacy you desire. And our investment platform is carefully structured to provide you with the tools and resources necessary to succeed in today’s fast-paced global market and to ensure your assets will be there when needed – no matter how long you live.

gOing The exTra MileAt The Schwamb O’Day Group, our passion for our clients and their suc-cess is the cornerstone of our business philosophy. As seasoned wealth man-agement professionals, we take pride in always going the extra mile to make a real difference in our clients’ lives. We come to work every day engaged in making a real difference in the lives of the people and organizations with whom we work.

There’s a reason our clients hire us and remain with us, some dating back to when we first established our practice more than 20 years ago. We believe if you hire us, we will be the last wealth management firm you will ever need to hire.


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The Schwamb O’Day Group at Morgan Stanley

According to the Employee Retirement Income Security Act of 1974 (ERISA), fiduciaries of covered retirement plans must carry out their duties prudently and act in the best interest of plan participants. Fiduciary responsibilities can include: choosing a provider to administer the plan, selecting an appropriate menu of investments and monitoring such providers and investments on an ongoing basis.

It has been said that ERISA’s prudence standard is one of the highest duties known to the law. Fulfillment of fidu-ciary duties will generally be measured by the steps a fiduciary takes to meet its obligations and whether a fiduciary has made informed and reasoned deci-sions. In fact, the Department of Labor and the courts have taken the position that fiduciaries without the knowledge or experience to make sound decisions

have a duty to seek expert assistance. For example, when making investment decisions, a fiduciary who lacks invest-ment experience may need to hire an investment specialist. For many plan sponsors, investment and other fiduciary responsibilities can seem overwhelm-ing. That’s where we can help.

We can provide guidance and infor-mation to help you meet your fiduciary responsibilities. We know you’re busy

managing your business and that you may not have the experience or the time to do the necessary research to make the right decisions. We have the tools and knowledge to help you make informed investment decisions as well as address your other plan responsibili-ties. You can feel confident knowing that Morgan Stanley is committed to putting our resources and experience to work for your retirement plan.


A Focus On Retirement Plans

At Morgan Stanley we know that plan sponsors are being confronted with unprecedented change and complex-ity. That’s why it’s critical to choose a Financial Advisor who has experience in helping plan sponsors achieve their unique goals and objectives. With that in mind, our firm is pleased to recognize those individuals who have earned the Corporate Retirement Director (CRD) designation.

The CRD designation is bestowed upon Financial Advisors who have dedicated their practices to helping cor-porate and institutional clients manage

all aspects of their retirement plans. The services our Corporate Retirement Directors can offer include assistance with plan evaluation and benchmarking, vendor selection, investment review, and participant communications on topics crucial to retirement security such as asset allocation and dollar cost averaging.

This distinguished designation is earned only after a Financial Advisor completes advanced training focusing exclusively on the corporate retirement plan marketplace. The curriculum involves in-depth study

of plan design, investment strategy, plan administration, fiduciary issues and other related retirement topics. In addition, these specially designated individuals must have a proven track record working with corporate and institutional clients, five years of industry experience and maintain a clean compliance record.

Rest assured, our CRDs are carefully selected and trained according to what we believe are the highest standards in the industry. And they have a vast array of resources to offer their corporate clients, now and in the future.

The importance of working with a Corporate retirement director



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Our Experience and Guidance Make a Difference

By offering your employees a retirement plan, you are providing them with the opportunity to save for a secure retirement. You play a fundamental role in managing this essential employee benefit and it is important that you understand your obligations as a plan fiduciary.

EVALUATION

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needs assessmentTo derive the maximum benefit from your retirement plan, it is important to select the most appropriate features and services for your business. The Schwamb O’Day Group can offer valuable guidance by identifying and evaluating your company’s needs.• Examine the history of your business and goals

for your plan• Review your retirement plan objectives• Analyze the demographics and investment

behavior of your employees

BenchmarkingIn order to determine how the retirement plan you are offering your employees compares with other plans in the marketplace, benchmarking is critical. Benchmarking offers a comprehensive and detailed way to evaluate a plan’s design, features and fees. The Schwamb O’Day Group’s benchmarking capabilities help to ensure that you are providing a competitive plan.• Demonstrate that a documented process has

been established• Provide plan fiduciaries with information needed

to make responsible decisions• Help monitor the overall menu of funds, identify

gaps in the current fund menu and show potential solutions

• Enable access to a number of tools that allow comparison to other plans of similar size or in a similar industry

• Open up opportunities to discuss areas for im-provement as it relates to plan fees and features

Provider SearchThere are a variety of factors to consider when evaluating the capabilities of providers, including recordkeeping, communications, investment flexibility, compliance, fees and services. The Schwamb O’Day Group can work with you to identify the provider that best suits your company’s needs.• Solicit and evaluate proposals from a variety

of providers• Invite select providers to present their programs• Assist you in the review of proposals to ensure

the program chosen is an effective strategy

• Needs Assessment• Benchmarking• Provider Search

• Investment Policy Statement

• Investment Selection

• Investment Monitoring

• Issue Resolution• Fiduciary Audit File

• Enrollment Meetings & Participant Education

• Strategic Enhancements• Ongoing Employee

Educational Seminars

evaluation



PLANPARTICIPATION

INVESTMENTSERVICES

PLANMANAGEMENT

Issue ResolutionWhile the ongoing maintenance of your plan is important, we understand that it is not your only responsibility. The Schwamb O’Day Group can help you resolve issues that arise in connection with the day-to-day activity of your plan.• Interface with your plan provider to address

your questions• Seek corrective action for any deficiencies

in service• Provide ongoing support

Fiduciary audit FileOne of the best ways to demonstrate compliance with the applicable standards under ERISA is through adequate written documentation. This can be compelling evidence of adherence to a prudent process and an effective argument against allegations of a fiduciary breach. The Schwamb O’Day Group can help you establish a fiduciary audit file.• Organize key plan records• Help identify areas requiring further development• Demonstrate that policies and procedures

were established• Document adherence to those policies

and procedures

enrollment Meetings and Participant educationParticipation is vital to the success of any plan — and a strong participant education program contributes to this success. Now more than ever, investors are looking for assistance in reaching their financial goals. The Schwamb O’Day Group can help your employees make informed decisions on the features of their plan and educate them on basic retirement planning concepts.• Explain your plan’s features• Review the importance of diversification

and other asset allocation strategies• Reinforce the benefits of participation

and increasing contributions• Encourage the use of retirement

planning strategies

strategic enhancementsWhile a good education program is important, it may not always help to ensure a successful plan. If you are concerned about low participation rates, low deferral rates and whether your employees are properly diversified, The Schwamb O’Day Group can help introduce strategies with the potential to improve the health of your plan.• Review plan demographics and asset allocation

to identify areas for improvement• Recommend appropriate strategies including

automatic enrollment, automatic deferral increases and default investment options

• Help you monitor the impact of the strategies you choose to implement

Ongoing employee education / seminarsOne of the best ways to encourage your employees to maximize the benefit of their retirement plan is through in-person meetings and seminars. The Schwamb O’Day Group can coordinate continuing education for your existing employees and enrollment meetings for new employees.• Reinforce concepts presented in initial

enrollment meetings• Offer programs to further employees’

understanding of financial markets and personal financial planning strategies

• Assist retiring employees with retirement plan distribution strategies

Investment Policy StatementAn investment policy statement clearly defines plan investment goals and parameters and provides the plan investment committee with guidelines for investment decisions. It is also an effective way to ensure your investments are meeting your plan objectives on an ongoing basis. The Schwamb O’Day Group can help you develop this important document.• Provide a sample investment policy statement• Help identify specific goals• Assist in selecting a broad range of asset classes

to be represented in your retirement plan• Identify investment parameters to help

measure success• Establish a process to periodically review plan

investments against stated goals

Investment SelectionThe Schwamb O’Day Group has the ability to help you select the appropriate range of potential investment options to meet your plan’s specific needs.• Educate on general investment concepts such

as diversification, risk, asset allocation and historical rates of return

• Identify multiple investments within each asset class from the provider’s fund universe that are consistent with your plan’s investment policy statement

• Help ensure that the funds meet the requirements of Section 404(c) of ERISA

investment MonitoringWhile selecting appropriate investments is critical to the success of your plan, monitoring each investment option is just as important. The criteria you use to monitor your investment options should be consistent with the goals outlined in your investment policy statement. The Schwamb O’Day Group can provide tools and guidance to help you maintain an appropriate range of investment options within your plan.• Review periodic reports to help you monitor the

plan’s investment options• Conduct searches to replace investment options

that are no longer consistent with the plan’s investment policy statement

• Provide investment education and research to encourage sound decision-making


Meet the Professionals

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Richard S. Schwamb, C(k)P®Corporate Retirement DirectorSenior Vice PresidentFinancial Advisor

Richard Schwamb is a Senior Vice Presi-dent, Financial Advisor and Corporate Retirement Director at The Schwamb O’Day Group at Morgan Stanley. Rich-ard is among a select few of financial advisors at Morgan Stanley to earn the Corporate Retirement Director title. He has over 15 years of experi-ence providing customized services to meet the specific needs of retire-ment plan sponsors and participants alike. His specialized knowledge in 401(k), 403(b), Profit Sharing, ESOP, and Non-Qualified Deferred Com-pensation plans has earned him rec-ognition throughout the retirement plan industry. Richard also provides a wide range of executive financial planning services.

Prior to joining Morgan Stanley, Richard spent nearly 16 years at Mer-rill Lynch as a leader in corporate retirement plans. He sat on Merrill Lynch’s Retirement Plan Financial Advisory Board and was selected by the firm as a Retirement and Philan-thropic Services Financial Advisor because of his focused experience in defined contribution and defined benefit plans. Richard has been rec-ognized as one of the industry’s top

50 Retirement Plan Advisors in the country by 401(k) Wire for two years in a row, and was named one of the Top 100 Retirement Plan Advisors by PLANSPONSOR Magazine for 2012, 2013, 2014 and 2015.

Richard joined Merrill Lynch in 1999, following a 20-year career as a Corporate Treasurer and Controller for Fortune 500 and 1,000-type com-panies. He is credited with starting one of the first 401k plans in the State of New Jersey. Richard’s extensive experience in corporate America brings valued insight to the over 200 companies and organizations he ser-vices across the country.

An alumnus of the Kings College in Pennsylvania with a B.S. degree in Business, Richard has continued to invest in his education throughout his long and rewarding career. In 1988, he earned his Master of Finance degree from Pace University, and in 2013, he received his C(k)P designation from The Retirement Advisory University. Richard also earned the prestigious accreditation of Accredited Retirement Plan Consultant from the Society of Professional Asset Managers and Record Keepers in 2008.

Richard’s commitment to his com-munity is reflected in his work with local non-profits and his involvement in philanthropy. Richard currently serves as Chairman of the Long Island chapter of The Financial Executives Networking Group (F.E.N.G.). He is also an active supporter of The Butch Mancini Memorial Scholarship Fund, Minority Athletes Networking (M.A.N.) and George Martin’s 9/11 Foundation.

A native of Greenwich, CT, Richard currently resides in Bellmore, NY, with his wife, Stacey, and their three children. When he is not working directly with his clients, you can find him spending quality time with his family. In his leisure time, Richard enjoys travel, skiing, fishing and hunting.

[email protected]


John O’DayCorporate Retirement DirectorSenior Vice President Financial Advisor

John O’Day is a Senior Vice President, Financial Advisor and Corporate Retire-ment Director of the Schwamb O’Day Group at Morgan Stanley. For more than 15 years, John has been providing highly customized advice, investment solutions and financial planning services to high net worth individuals, multi-generational families, small business owners, and corporate retirement plans in the New York City metro area.

Over the years, John has earned the reputation of truly understanding his client’s needs. He prides himself on the relationships he has nurtured during his tenure in the financial services industry, and strives to deliver an exceptional experience to his clientele, serving as their chief advocate. His ultimate goal is to develop a comprehensive portfolio that integrates their unique risk/return profile with estate conservation and tax planning strategies to help them achieve their financial goals and leave the legacy they desire.

Prior to joining Morgan Stanley in 2015, John worked at Merrill Lynch for 15 years as a Senior Financial Advi-sor and Certified Financial Manager. Before joining Merrill Lynch, John worked in the Corporate Treasury

departments of three Fortune 500 firms, including Standard Brands, Nabisco and Marsh & McLennan. This collective experience has given John a diverse set of skills and expertise that he has incorporated into his wealth management practice over the years.

John is a graduate of Manhattan College with a Bachelor of Arts degree in English. He received his M.B.A. in Finance from Fordham University. He is actively involved in several non-profit and industry organizations, including Team In Training for the Leukemia and Lymphoma Society, and currently serves on the membership services com-mittee of the New York City Chapter of Financial Executives International.

A current resident of Rockville Center, John and his wife of 33 years, Regina, have three children, Connor, Michael and Aiden. When he is not working directly with his clients or guiding the organizations he supports, you can find him spending quality time with his family. He enjoys the beach, CrossFit training and is an avid New York Rang-ers hockey fan.

[email protected]


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Richard GlasserBusiness Development Associate

Joshua B. DiamondFinancial Advisor

Richard Glasser is a Business Develop-ment Associate of The Schwamb O’Day Group at Morgan Stanley. With more than 17 years of experience as a wealth management professional, Richard has dedicated his entire career to helping clients simplify their financial lives.

Richard is committed to long-term relationships and strives to deliver objective advice and demonstrated f inancial knowledge through ex-ceptional client service. He listens carefully to his clients’ goals, values and concerns and works tirelessly to help them achieve their personal and financial objectives.

Prior to joining Morgan Stanley in 2015, Richard worked at Merrill Lynch and UBS. He became a member of The Schwamb O’Day Group in 2009 and is an important member of the Group’s leadership team. Richard’s philosophy is centered on having a focused plan and following a proven process for his clients. His investment recommendations follow suit. He believes in a disciplined approach to investing through asset allocation and diversification.

Growing up in Queens, Richard graduated from the School of Visual

Joshua B. Diamond is a Financial Advi-sor of The Schwamb O’Day Group at Morgan Stanley. With more than 15 years of experience in trading, invest-ment banking and wealth management, Joshua has developed a comprehensive and disciplined approach that is focused on helping corporations, individuals and families align their finances with their most important values.

Joshua began his career in financial services as a trader on Wall Street at Worldco, one of the largest proprietary trading firms at the time. One of the firm’s original traders, Joshua continued to take on more responsibility at Worldco, ultimately becoming one of eight manag-ing directors there. Joshua also worked at Echo Trade, before joining Cresta Capital as an Investment Banker in 2007.

Wanting to share his institutional knowledge and diverse set of skills with individuals and families, Joshua joined Merrill Lynch in 2011, where he knew he would have the opportunity to build more personal relationships with his clients. He became an integral team member of The Schwamb O’Day Group at Morgan Stanley in early 2015, where he continues to provide highly customized

advice, investment solutions and wealth management services to high net worth individuals, multigenerational families and business owners.

A graduate of the University of Mas-sachusetts at Amherst with a B.A. degree in Political Science, Joshua currently lives in Dix Hills with his wife, Michy, and their three children, Caleb, Sophie and Jayden. In his free time, Joshua enjoys mountain biking, racquetball, cooking, playing ping pong and coaching soccer for the Huntington Boys Club, a club on which he played when he was growing up in Dix Hills.

[email protected]



Arts in Manhattan, where he earned a Bachelor of Fine Arts degree. He and his wife, Patricia, currently reside in Wantagh, NY with their three children, Benjamin, Jonathan and Matthew. A devoted father, Richard enjoys spend-ing quality time with his family. In his leisure time, he enjoys travelling and listening to the Beatles.

[email protected]

Lisa Jacaruso-BrennanSenior Registered Associate

Lisa Jacaruso-Brennan is a Registered Senior Client Associate of The Schwamb O’Day Group at Morgan Stanley. Draw-ing on nearly 25 years of financial ser-vices experience, Lisa leads all aspects of the Garden City Group’s business management and client servicing ac-tivities and plays an integral role on their leadership team.

Lisa is responsible for driving all initiatives to ensure clients have an ex-ceptional service experience. She works diligently with the entire team to build a sustainable infrastructure and solid foundation to meet the sophisticated needs of the Group’s dynamic clientele.

Prior to joining Morgan Stanley in 2015, Lisa worked at Merrill Lynch. She began her professional career in financial services as a Financial Advi-sor at an independent brokerage firm for 17 years. She is proud to bring her previous investment experience and knowledge of operations to deliver a distinct level of service and personal attention to her clients.

Lisa shares in the team’s passion for taking an active leadership role in her local community. She is an active member of Operation Splash, a volunteer non-profit organization dedicated to

keeping coastal waterways pollution-free and allowing marine life to thrive in the bays.

A lifelong Long Islander, Lisa earned her B.F.A. in Journalism from CW Post Long Island University. She and her husband, Tom, currently reside in Freeport, NY. In her free time, she enjoys playing golf.

[email protected]


Working Together

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We’re dedicated to making your retirement plan a success and to helping you meet your fiduciary responsibilities. To deliver the retirement plan you and your employees deserve, contact The Schwamb O’Day Group today.

evaluaTiOn

Needs Assessment

Benchmarking

Provider Search

invesTMenT serviCes

Investment Policy Statement

Investment Selection

Investment Monitoring

Plan ManageMenT

Issue Resolution

Fiduciary Audit File

Plan ParTiCiPaTiOn

Enrollment Meetings and Participant Education

Strategic Enhancements

Ongoing Employee Education/Seminars

addiTiOnal serviCes

Investment and Benefit Consulting

– Defined Contribution Plans

– Defined Benefit Plans

IRA Rollover/Distribution Education and Assistance

Nonqualified Deferred Compensation Plans

Stock Plan Services

Upon request, The Schwamb O’Day Group can assist with any of the following services to your plan.


navigate retirement skillfully

Evaluation

Investment Services

Plan Management

Additional Services

Plan Participation


© 2015 Morgan Stanley Smith Barney LLC. Member SIPC. CRC 1126536 CS 8165147 03/15

Tax laws are complex and subject to change. Morgan Stanley Smith Barney LLC (“Morgan Stanley”) , its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice and are not “fiduciaries” (under ERISA, the Internal Revenue Code or otherwise) with respect to the services or activities described herein except as otherwise agreed to in writing by Morgan Stanley. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a retirement plan or account, and (b) regarding any potential tax, ERISA and related consequences of any investments made under such plan or account.Source: PLANADVISER.com, January 2014, “PLANADVISER’s 2014 Top 100 Retirement Plan Advisers.” To be considered for this list, advisers had to either submit information and references or be nominated and enter the award process for 2014 PLANSPONSOR Retirement Plan Adviser of the Year—individual, team or multi-office team. Award nominations were solicited online from retirement plan advisers, their employers and/or broker-dealers, and plan sponsors, as well as from working partners of the advisers, such as investment vendors, accountants, attorneys and pension administrators. Nominees were then asked to complete a form, providing various details about their practice. Advisers could also, for the first time, submit such information unsolicited, although not to be considered for the awards. The PLANSPONSOR Retirement Plan Adviser and Adviser Team of the Year awards are based on both qualitative and quantitative factors. The most successful lists are drawn solely from a smaller set of quantitative factors and information supplied by the advisers themselves. Due to the differences in evaluation factors, finalists for the PLANSPONSOR Retirement Plan Adviser and Adviser Team of the Year awards are not necessarily included on the “Top 100” listing. Neither Morgan Stanley Wealth Management nor its Financial Advisors pays a fee to PLANSPONSOR / PLANADVISER in exchange for the rating.


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