Cris Castellini

The decisions you make about your workplace retirement plan can benefit you for years to come. I'll help you understand and put your resources to work, so you can plan, invest, and ultimately transition to retirement with confidence.

For many clients, giving to family or charitable causes is an important goal. I can help you determine the right strategy for realizing such goals while maximizing the value of gifts. It's important to also obtain advice from your legal or tax advisor when deciding which gifting strategy is right for you. If you don't have access to this advice, then I can also help source these professionals when deciding on which strategy is right for you.

With education costs rising, paying for college has become a major life expense that requires smart planning. I can help you plan for these expenses without derailing your long-term objectives.

Figuring out ways to minimize how much the IRS takes from your retirement money should be a central part of retirement planning. I can help you leverage strategies designed to reduce your taxable income, generate tax-advantaged growth potential in your accounts and keep more of what you've worked so hard to save.

Let's begin with a thorough discussion to explain and ascertain your needs, wants, and values. It is important to us that we have a thorough understanding of various facets of your life that affects your financial goals and decisions. Every financial strategy should be unique because everyone is different.

To conduct a full assessment of your financial situation, I make use of a range of financial planning and risk analysis tools. I'll then implement a comprehensive financial plan that can help you accumulate, preserve, and transfer wealth in line with your objectives.

Your assets will be transferred to Morgan Stanley once you give your approval. We'll start implementing the additional techniques we described in your plan once they are in line with your tailored investment strategy.

My relationship with you is extremely important to me, and I want to keep it that way. I'll communicate with you frequently to provide account updates. Additionally, I'll keep tabs on how well you're doing in achieving each of your objectives and adjust your financial plan as need when your circumstances change.

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 eAuthorizations.

Track spending habits, categorize expenses and create budgets across your Morgan Stanley and external financial accounts with our Spending and Budgeting Tool.

View all your external financial accounts directly in Morgan Stanley Online or the mobile app. By linking your accounts, you'll benefit from more informed wealth planning, secure data access and convenient connectivity.

Digital Vault allows for easy sharing and convenient access to your most important documents from wills and deeds to financial statements and tax fillings. Easily manage your encrypted financial records all in one place.

eDelivery provides you with the ability to view statements and other documents electronically in lieu of paper. Clients who are registered in Morgan Stanley Online may enroll in eDelivery.

Safeguarding your assets and information is one of our highest priorities, but you also have a critical role to play. Check out our collection of practical takeaways and best practices from our cybersecurity professionals, then explore a few of the ways we help protect you.