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As a leader in investment banking, Morgan Stanley can provide investors with high quality equity Initial Public Offerings and secondary offerings, as well as domestic and international debt offerings.

Seen at right: Thomas Caffery and his partner Penny Salamida in the Palm Desert office of Morgan Stanley
Photography by Arthur Coleman

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Since 1983 Thomas Caffery, Senior Vice President, Financial Advisor, of Morgan Stanley, has helped individual investors with their investment planning needs. Mr. Caffery is professionally trained in mutual funds, fixed-income securities and municipal bonds. In addition to having immediate access to Morgan Stanley’s extensive research capabilities, Mr. Caffery also has contact with equity, bond and economic analysts, as well as tax and retirement planning specialists — resources which allow him to assist investors in making informed investment decisions.

Thomas Caffery has considerable training and experience in analyzing individual financial situations and recommending a plan of action to help investors meet their short- and long-term investment goals.

Upon entering the warmly decorated and friendly interior of Morgan Stanley, one can’t help but get an immediate feeling of reassurance and security from the professional climate.

Morgan Stanley was founded in the mid-1930s by several partners of J.P. Morgan. The firm had been compelled by the passage of the Glass-Steagall Act to divest its securities division. At that time, Morgan Stanley was strictly an investment banking and corporate finance business.

It wasn’t until the early 1970s that securities trading and research were established. At that time global strategist Barton Biggs was hired to head the research effort. He assembled a winning research department that placed seventh in the 1974 annual Institutional Investor All-America Research Team.

Morgan Stanley’s overseas research effort began in the late 1980s — more than 50 years after the passage of Glass-Steagall. Biggs’ passion for overseas investing was sparked when the World Bank’s International Finance Corp. asked the firm to launch two of the first emerging markets funds. In the 1990s Morgan Stanley continued to build its global research network, adding more analysts, strategists and economists.

The two firms merged in 1997, forming a global investment powerhouse. Although they brought different strengths to the partnership, they share one very important tenet — the needs of the investor must always come first. In Global Equity Research it is our goal to see that our clients, whether individual or institutional, receive the information and service they need to make informed, wealth-building investment decisions.

Morgan Stanley offers a broad range of financial products and services, including personal financial planning, retirement planning, estate planning, tax-free investing, equity research, global equities, fixed-income securities, municipal bonds, laddered bond programs, annuities, insurance, unit investment trusts and money market funds, to name just a few.

This financially sound firm offers stability and a great breadth and depth of experience. Morgan Stanley is headquartered in New York City and has more than 14,000 professional financial advisors in more than 450 locations currently serving more than three million investors.

Award-Winning Global Research

Guided by a professional Morgan Stanley Financial Advisor, our clients can take advantage of the recommendations of our award-winning research team, which includes more than 100 domestic and 100 international analysts, as well as our investment strategists who are recognized as among the best in the securities industry.

Top-Ranked Investment Banking

As a leader in investment banking, Morgan Stanley can provide investors with high quality equity Initial Public Offerings and secondary offerings, as well as domestic and international debt offerings.

Financial Planning

Your Morgan Stanley Financial Advisor can assist you in developing a comprehensive financial plan through our proprietary program called Financial Outlook. The Financial Outlook approach involves assessing your current financial situation and establishing short- and long-term goals such as education funding, retirement planning and estate planning. Your Financial Advisor will assist you in developing individual investment strategies for working toward achieving your goals.

Professional Portfolio Management

Through your Financial Advisor, you have access to the full-time guidance of professional money managers. Morgan Stanley offers a variety of managed money programs, each dedicated to helping you develop a customized investment strategy built around your goals, time frame and tolerance for market risk.

Personal Trust Estate Planning Services

Your Financial Advisor can help you arrange wealth protection and transition planning for your estate, and can bring together the necessary resources to ensure a smooth passage of assets to your heirs and beneficiaries. Morgan Stanley trust and estate planning professionals can work together with you and your advisors to create a personal trust that meets your present financial needs and estate plan requirements.

Mr. Caffery has been with Morgan Stanley since 1983 and now serves more than 500 clients. Morgan Stanley specializes in serving the needs of families concerned with retirement and provides investment, insurance, estate and tax planning services. Mr. Caffery manages more than $100 million of client assets.

Thomas Caffery Education, Licensing and Training

• Registered Representative, NYSE/NASD, 1983
• California State Life and Variable Annuity
• California State Insurance License #0A46708
• Morgan Stanley National Sales Training, 1983
• Morgan Stanley Management Development Program: Series 3, Series 7, Series 8 and Series 63 Licenses
• General Securities Sales Supervisor, NASD
• Morgan Stanley Graduate School Courses on Lump-Sum Distributions and Retirement Planning
• Morgan Stanley/Wharton Institute Senior Account Executive Program, Wharton Business School, University of Pennsylvania, 1993
• University of California at Riverside, Certifi cate in Financial Planning, 1999

Morgan Stanley
72-996 El Paseo, Palm Desert, CA 92260
(760) 776-6202 • (800) 927-9421 FAX: (760) 776-6250

More Information - Websites, Maps and Directions

Financial planning is one of many products and services offered by Morgan Stanley. Please consult your Financial Advisor for more information about any of our products and services. Morgan Stanley and Financial Advisors do not provide tax or legal advice. This material was not intended or written to be used, and it cannot be used by any taxpayer, for the purpose of avoiding penalties that may be imposed on the taxpayer under U.S. federal tax laws. Please consult your tax advisor or attorney for tax and legal advice involving estate planning and personal trusts. Investments and services are offered through Morgan Stanley & Co. Incorporated, member SIPC.