Bruce Galloway, CRPC®

The CRPC ^® designation certification provided by the College of Financial Planning is for experienced financial advisors who wish to offer more comprehensive retirement advice to individual clients. Financial advisors face an increasingly complex onslaught of retirement planning questions as aging baby boomers look for investments to meet their lifestyle needs in 10 years, 20 years, and beyond, as well as determining when they can actually retire.

Source: fivestarprofessional.com (Awarded 2012 – 2017; 2019 - 2025) These awards were determined through an evaluation process conducted by Five Star Professional, based on objective criteria, during the following periods:
2012 Award - 8/30/11 - 1/31/12
2013 Award - 8/30/12 - 1/30/13
2014 Award - 8/30/13 - 1/30/14
2015 Award - 8/30/14 - 1/30/15
2016 Award - 8/19/15 - 1/15/16
2017 Award - 8/24/16 - 2/24/17
2019 Award - 8/13/18 - 3/11/19
2020 Award - 8/1/19 - 3/13/20
2021 Award - 8/17/20 - 3/12/21
2022 Award - 8/30/21 - 3/4/22
2023 Award - 7/25/22 - 2/10/23
2024 Award - 7/25/23 - 1/31/24
2025 Award - 07/31/24 - 12/31/24

Cash management for personal and corporate accounts all have an effect on your finances. Talk with me about your cash management needs.

Due to shifting demographics, many people are close to retirement and a proper retirement plan is more important now than ever. With more older workers leaving, the Social Security Fund is depleting as there are fewer younger workers, and more are contributing more to their 401(k) plans. Current projections from the Social Security Administration forecast may become insolvent after 2034. As a result, 401(k)s is more crucial now as an additional retirement income source. Future retirees could face a 23% benefit cut would likely have to work until the age of 70 for full benefits. I heavily recommend for us to have a conversation on creating a plan for the future.

When was the last time you tracked your business valuation?

1. Do you know what your projected growth for this year is?
2. Do you know the financial risk that your business face for the future?

Your business is your largest asset for retirement. How can you plan your future without knowing what your biggest asset is really worth?

You work hard for your business and for continued growth, a well-informed planning & wealth management plan at every stage of your company's development is crucial. My goal is to provide you with the information, insight and resources needed to help you reach your personal and professional goals. Similar sound advice and preparations are needed to prepare for a seamless transfer for your successor and the cycle that occurs afterwards.

As an executive, you already have to resolve the business dilemma you face every day at work. The least of your worries should be your compensation and your financial needs, yet it always shows up taking up your time. I will help you navigate purchasing & selling company stock through 10b5-1, control/restricted stocks, and create investment strategies based on your equity compensation.

Are you capitalizing on the full benefits offered by the firm, and maximizing the effective of your private pension plan?

All of your complicated financial needs are addressed with a conversation. Schedule a call with me now.

Are you looking for a way to provide protection for your family? Are you sure the insurance amount will be enough for your family to cover any outstanding debts?
Contact me so we can discuss this in depth.

As you progress through life, thoughts of legacy may occupy your mind. It's important to plan for your children or grandchildren's education, estate succession and inheritance, or even establish a foundation for charitable purposes. Teaching and guiding them early is what ensure wealth can be passed from generation to generation. These can be complex entities and require long-term planning to secure you and your families wealth through inheritance.

The complex and diverse needs of the LGBTQ+ community varies depending on region by region, and state by state. You should talk with me now about the possible financial implication to you as well as how to prepare for it!

1. Social Security Benefits
2. Retirement Planning Options
3. Ability to File Joint Tax Returns
4. Estate and Gift Tax- Related Benefits
5. Health Care Coverage
6. Beneficiary & Power of Attorney

Beyond viewing your account balance and activity, Morgan Stanley Online (MSO) has a suite of features that allow you to manage your everyday finances from paying bills and sending money to transferring funds and authorizing transactions with eAuthorization.

Securely access your Morgan Stanley account from virtually anywhere. Simply download it on your mobile device and use your Morgan Stanley Online username and password to log in. From there you will have the resources of MSO on the go.

It's hard to see the full picture with only half of the details. As a Morgan Stanley client, you can now conveniently view your accounts from other financial institutions on Morgan Stanley Online or by using the Morgan Stanley Mobile App, giving you a more complete financial picture.

Goals-Based Planning is a suite of planning tools that includes goal-specific analysis that Financial Advisors can use with clients to create a realistic, holistic strategy that integrates the various aspects of your financial life, including investments and cash management needs.

Digital Vault lets you easily and conveniently manage and share life's most important documents, such as wills, deeds, and estate plans, as well as financial statements and tax filings. This will allow for increased security and allow me to adjust your plans to new information immediately.

Make more out of your money by taking advantage of our Reserved Living and Giving Benefits. You are rewarded immensely through discount and exclusive experiences with over 60 brands that partner with Morgan Stanley. Thank you for your loyalty.

Portfolio Risk Platform – Powered by Aladdin is a risk management platform that provides comprehensive risk estimation and reporting across a broad range of asset classes and security types. This platform provides a holistic view to better enable risk to be effectively monitored and managed.

Providing you the most up to date information regarding long-term systemic reports, new ground-breaking investment themes and debates, and future focused ideas regarding stock/industry/asset class/macro analyses. Gain new updates that analyze news, events and data points that are relevant to investment debates and learn about in-depth foundational knowledge of an industry and sector.

Track spending habits, categorize expenses and create budgets across your Morgan Stanley and external financial accounts. Our Spending and Budgeting Tool makes it easy for you and your Financial Advisor to see your complete financial picture.

With perspectives on the forces shaping the market, Mike Wilson, Chief Investment Officer and Chief US Equity Strategist for Morgan Stanley, and his colleagues discuss a variety of viewpoints regarding the latest trends in the financial marketplace.