Christopher Kosmo

FINANCIAL PLANNING: Goals Analysis, Retirement Income, Debt Analysis, Special Circumstances

INVESTMENT PLANNING: Security Recommendations, Economics, Asset Allocation, Tax Efficient Investing

WEALTH PLANNING: Wills & Legal Documents, Legacy Planning/Gifting, Family Governance, Charitable Planning

EXECUTIVE PLANNING: Incentive Compensation, Stock Options, Concentrated Positions, Stock Monetization

BUSINESS OWNER PLANNING: Risk Management, Cash Management, Retirement Benefits, Succession Planning

1. Discovery Process - We listen, learn, and identify what is important to you and your legacy

2. Develop Strategies - We determine risk and gather data to analyze current investments and create a financial plan

3. Onboarding Meeting - We present and discuss the plan

4. Deployment of Solutions - Focus on asset movement and assign responsibilities

5. Orientation Meeting - Meet and understand the team and "who to contact"

6. Wealth Team Integration - Develop and understand your network, liquidity needs, and secondary plans

7. Strategy/Tactical Meetings - Monitor, discuss, and adjust future transitions

We are committed to provide workplace solutions through Morgan Stanley at Work to help employees thrive across three verticals: equity solutions, financial wellness, and retirement plans. We bring in corporate solutions to empower companies in their management of these programs and, ultimately, to support their employees through their financial journeys.

Our mission is to assist your company in elevating your workplace financial solutions to the next level and support your employees on their financial journeys, understanding their individual life stages and addressing their timely needs, no matter where they are in their life or career.

Working with Morgan Stanley and its advanced wealth management technology is an ideal way to access advice and build a coherent wealth plan. Read more about the advantages of working with our unique planning technology to help reach your financial goals, whatever they may be.

Your investments and everyday finances are always just a few clicks away with Morgan Stanley Online (MSO) and the Morgan Stanley mobile app! Access your finances and invest in an instant with the help of this handy resource that is available 24/7.

Complete your financial profile with Total Wealth View. By linking your external account information, you will benefit from more educated and holistic wealth planning, and convenient connectivity.

Morgan Stanley's Portfolio Risk Platform is powered by BlackRock's Aladdin risk engine, a state-of-the-art, innovative risk engine used by several of the world’s largest institutional asset managers, providing you with comprehensive risk analytics and a sophisticated view of the risk/return dichotomy across your financial portfolios. This helpful tool can assist you in making educated investment decisions with increased confidence.

Family Office Resources (FOR) is a helpful resource that provides specialized technical expertise to ultra-high net worth advisors and clients across a broad range of family wealth management issues.

Safeguarding your assets and personal information is among our highest priorities here at the Hubbard Team. Learn about our extensive security measures and take advantage of our vast array of resources and ideas that are geared towards helping you stay protected on the World Wide Web.

When it comes to retirement savings, the most important thing is to get started—after all, time is one of your greatest assets. Although retirement may seem far for some, it is essential to get started on planning for future living expenses, potential education funds, or travel costs. Let us help you educate on ways to grow and preserve your wealth.

Most retirement preparations focus on financial planning, but it is equally crucial to look at personal considerations and help you with easing the fear of the unknown. Given that many people overlook the psychological adjustments of retirement, we can help you understand why it’s important to be emotionally (not just financially) ready for retirement.

Once you determine what kind of retirement you want, we will work together to take a closer look at the risks that might be standing between you and your retirement goals. No matter how well you save during the accumulation phase, it’s critical to plan how you convert those assets to income. We can help you navigate the challenges that may arise.