私人财富管理

莉斯丹尼斯:[00:00:02]摩raybet炉石传说根士丹利于1977年成立了私人财富管理公司([00:00:05])，以满足我们高度富裕和多代人家庭的独特而复杂的需求。

Oti罗伯茨:[00:00:14]摩根士丹利[00:00:15]史丹利私人财富管理公司有句名言:我们以一流的[00:00:20]方式打造一流的业务，我们坚定不移地致力于[00:00:25]个人关注、完美无缺的执行以及客户所需的一切，以此来证明这一点。(00:00:30)

罗恩·巴苏:[00:00:30]私人财富管理是围绕公司的五大核心价值观建立的，[00:00:35]其中第一条是客户至上，这是我们所做的最重要的事情。

安东尼DiValerio:[00:00:39][00:00:40]我们帮助客户家庭为未来做准备的方法之一是深思熟虑地倾听[00:00:45]他们今天最关心的事情以及他们将来可能会发生的担忧。[00:00:50]我们利用公司的资源和相关领域的专家，帮助他们在问题演变成危机之前预测到这些问题。

大卫Bokman:[00:00:57]作为一个超高净值客户，你总会有[00:01:00]很多短期机会。投资机会，遗产规划[00:01:05]建议，慈善建议。[00:01:10]我们可以帮助您以符合您的长期[00:01:15]计划的方式利用这些机会。

安娜Winderbaum:[00:01:17]拥有巨额财富的家庭都在考虑[00:01:20]他们的家庭，他们的遗产，他们如何抚养孩子，[00:01:25]他们的孩子将拥有什么样的价值观，他们如何才能改变世界?[00:01:30]而这更高的使命需要承诺和[00:01:35]伙伴

Oti罗伯茨:[00:01:36]我们愿意帮助他们思考如何赋予年轻一代权力，以确保他们能留下持久的家族遗产。

安东尼DiValerio:[00:01:45]我[00:01:45]认为我们的独特之处不仅仅在于我们承诺为客户提供世界一流的[00:01:50]解决方案和服务，而是作为一家公司不断发展，[00:01:55]与客户一起学习，并知道在未来我们将为客户提供一套卓越的[00:02:00]产品、服务和渠道。(00:02:05)

莉斯丹尼斯:[00:02:07]我们的客户并不是一个单一的群体。摩根士丹利的私人[00:02:10]理财顾问的专长和渊博的知识是与众不同的。raybet炉石传说但真正让他们与众不同的是他们的个人[00:02:20]客户体验，以及他们将团队的全部资源[00:02:25]奉献给客户的方式。

David Bokman，董事总经理，家族办公室资源主管:无论你是否意识到，无论你是否承认，无论你是否与其他家族成员讨论，你与财富之间都有一种情感关系。格伦·库兰德(Glenn Kurlander)，董事总经理，家族治理和财富教育主管:我们家族办公室资源公司的许多人一直在与我们的客户及其家庭进行关于金钱的质量方面的对话，关于每个人在财富及其影响方面所带来的价值观，以及我们希望作为一个家庭如何使用它。这是我们工作的重要组成部分，帮助我们的客户开始阐明这一理念。David Bokman:投资显然是至关重要的。他们是摩根士丹利与客户打交道的核心。raybet炉石传说但我们允许财务顾问和家族在更广泛的背景下解决他们的投资问题，即他们的长期家族使命是什么;他们的慈善使命是什么;他们在家族动态和接班计划方面遇到了什么挑战(如果有的话);遗产计划是什么样子的;所有这些问题都必须是投资决策的背景。 Melanie Knoll Begun, Managing Director, Head of Philanthropy Management: This work is led by discovery. We sit down with families in very safe environment, we let them open up, we let them establish trust with us. Our goal is to make sure that the ideas and the vision, the values and the gifts, are all aligned in their plan. Glenn Kurlander: I think family governance is about two things. First, it's about the effort to drive alignment in the family around a deeply held set of shared values. The second thing family governance is about is being realistic enough to understand that no matter how successful we are in driving alignment, nevertheless, there likely will come a time when we disagree, perhaps profoundly about something important to us as a family. Melanie Knoll Begun: Family governance and philanthropy management are intertwined. It's all based on values. So family governance and philanthropy are really aligned, and the bridge between the two is the opportunity to help those values come to fruition. We get back to the basics. We help clients think through, why are they doing this? And how can they accomplish their dreams? Glenn Kurlander: When I'm able to help a family make a difference, it's the most satisfying and gratifying feeling I can imagine. David Bokman: Success looks like a family that is more coordinated, more harmonious, more communicative, better educated, and better situated financially and personally and as a family unit than they were when they started.

David Bokman，董事总经理，家族办公室资源负责人:家族办公室资源是一个由多个学科的专家组成的团队，从遗产规划到慈善事业，家族财富教育，与财务顾问及其客户合作，解决超高净值家庭在处理巨额财富时将面临的所有问题。我们的使命是以全面的方式解决所有这些问题。Sarah D. McDaniel, CFA，董事总经理，家庭资源通才，财富和遗产规划战略家和ART资源团队的负责人:当人们考虑财务规划或财富规划时，考虑他们的整个资产是非常重要的。但他们也需要明白，并非所有事情都是投资决定。在与拥有巨额财富的客户合作时，世界向他们敞开。帮助他们找到并引导他们想去的地方，以及他们作为个人和家庭想要成为的地方，是至关重要的。Valerie Wong, Fountain, CFA，执行董事，Signature Access的负责人:我认为我帮助客户最多的第一件事是理解可能的艺术。很多客户来到摩根士丹利，希望得到投资管理服务和建raybet炉石传说议。他们没有想到的是我们能在生活方式方面提供帮助。我们试图将这些需求纳入您的财富计划，因为了解您的梦想、目标和目的是什么，以及实现这些目标所需的财务需求是非常重要的。 Sarah McDaniel: What we try to do is have a personal conversation with the clients. And then ultimately what we are trying to do is assemble as much about the client and who they are, personally, as individuals and as a family, and then take that as a script or a starting point then to start making recommendations on strategy or mitigating behaviors. Valerie Wong Fountain: We also provide customized consulting services to our family office clients. We can help you understand weather you want a single family office or you want a virtual family office. We provide these services through an integrated experience at Morgan Stanley that leverages our wealth management, institutional securities, and investment management divisions. David Bokman: So, from the client's perspective, what you're going to see is a broadening out of your financial advisor's team. The differentiator is the way we work with each other. We always work as a team. We bring together the disciplines in a thoughtful, coordinated way. Sarah McDaniel: We work with incredible people. The financial advisors, our colleagues, the clients, they're extraordinary people with incredible backgrounds, with unbelievable experiences, that all bring a different facet to solving a problem. So when I think of Morgan Stanley and why Morgan Stanley, we have the room to breathe. We have the room to be creative. Yes, it is about finance. But that's the secondary decision to the individual, the person, and the family who we're ultimately trying to help. David Bokman: There’s a lot to be gained by looking at the experience of other families, the advisors and the specialists within family office resources have worked with in the past have dealt with and bringing that to bear thoughtfully, proactively, in advance, and in a coordinated holistic manner.

专业能力，提高您的财富战略

一种新的资本主义形式正在形成，它注重财务回报，但也有利于社会，使两者都能很好地结合起来。它实际上是一家更强大的公司。在这场全球大流行的时刻，人们还住在城市里吗?我们如何沟通?更多的技术。更少的接口。食品和饮料行业会发生什么?这些下一代人不想被一件事所限制和定义。他们想成为一切。对他们来说，真实是非常非常关键的。 What if we shifted the framework and said, actually, what society should provide us is a form of health security, applying molecular approaches to surveillance, to early detection, to deterring disease, delaying disease. Deferring disease, redirecting. The single biggest source or driver or explanation of job loss in the United States over the last couple of decades is not globalization. It's productivity increases. It's the march of technology. Sometimes traumatic events yield great circumstances. They can build up our social connections. They can make us realize, hey, we were way stronger than we thought before, and they can often put us toward what we really think might be meaningful in life. This is America 2.0. What's a better vision? How can I do things better? What can I do that is completely disruptive?