Cole Villers
My Mission Statement
My Story and Services
NMLS#: 2803954
Working With You
As your dedicated wealth management advisor, my role is to craft a personalized financial strategy that aligns with your unique needs. Through my experience working with clients, I have developed a step-by-step approach to service:
Our relationship begins with an initial discussion aimed towards getting to know you, your lifestyle, and future goals. I review your current financial situation and develop strategies that can help you achieve the financial outcome you envision.
Financial plan presentations map out essential factors that play into financial success. Examining all relevant financial information provides a holistic approach which helps ensure a comprehensive financial plan.
After the financial plan presentation, I will follow up regarding my analysis and recommendations, which may include adjustments to your financial plan and investment allocation. We will also establish a time line and prioritize key goals.
The implementation meeting focuses on creating prospective strategies custom designed for your specific needs. Recommended changes could include logistics, tax impact, asset allocation adjustments, and saving/benefit modifications.
I will be constantly monitoring your assets and analyzing your performance tracking data seeking to ensure your financial expectations are being met and adjusted accordingly. I will keep a high degree of communication with you by having regularly scheduled reviews to make sure make sure concerns and requests are always addressed.
How does the Financing Planning process and work and what elements should you look for in a Comprehensive Financial Plan?
Each client situation is unique, and thus comprehensive financial planning is not a "one size fits all" model. A clear, actionable financial plan can help clients turn goals into measurable steps. At Morgan Stanley we assess your current situation, listen to understand and define important objectives, evaluate economic constraints, and collaborate with you and other professionals to create a tailored plan you can implement and update over time. A sample plan may include:
- Current Net Worth
- Assets
- Liabilities
- Monthly cash flow
- Emergency fund
- Home purchase
- Education funding
- Retirement planning
- Estate planning strategies
- Behavioral and market considerations
- Disability Insurance
- Life Insurance
- Life insurance, disability income insurance, annuities, and long-term care insurance are offered through Morgan Stanley Smith Barney LLC's licensed insurance agency affiliates.
- Core allocation
- Portfolio risk management strategies
- Diversification
- Rebalancing
- Asset allocation
- Asset allocation and diversification do not guarantee a profit or protect against a loss in a declining financial market.
- Rebalancing does not protect against a loss in declining financial markets. There may be a potential tax implication with a rebalancing strategy. Investors should consult with their tax advisor before implementing such a strategy.
- Help determine appropriate withdrawal rates to support retirement cash flow
- Help address longevity and sequence of return risks
- Develop a customized strategy to coordinate benefits such as:
- Social Security
- Pensions
- Annuities
- Life insurance, disability income insurance, annuities, and long-term care insurance are offered through Morgan Stanley Smith Barney LLC's licensed insurance agency affiliates.
- Beneficiary Review
- Tax management and charitable gifting strategies
- Morgan Stanley Smith Barney LLC ("Morgan Stanley"), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trusts, estate planning, charitable giving, philanthropic planning or other legal matters.
We gather quantitative and qualitative information to help us understand your current financial situation and future plans:
Financial goals and timeline, which include short, medium, and long-term financial objectives.
Examples may include:
Risk tolerance and time horizon:
A risk management plan can be critical to help manage the potential for financial loss associated with unforeseen risks such as premature death, injury, or illness:
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We coordinate and collaborate with your tax professional to help develop a tax management strategy.
We can help you build a diversified portfolio aligned with your risk tolerance and time horizon to help you pursue your financial objectives, taking into consideration cost and tax efficiency:
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We coordinate and collaborate with your attorney to develop an estate planning strategy that is designed to help preserve family interests, help manage potential estate taxes and probate complexities, and help your wealth pass to intended beneficiaries efficiently:
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Take advantage of our benefits
The benefits of working with a Morgan Stanley Financial Advisor include access to a wide array of brokerage and advisory services tailored to meet individual client needs. We are committed to long-term relationships and results, offering personalized financial plans that consider your assets, debts, income, and expenses. Learn more about these benefits with the resources below.
Taxes can be a substantial drag on investment returns. Morgan Stanley Total Tax 365 offers access to a broad range of tax-efficient strategies to help you integrate tax planning into your investment process all year long, maximize portfolio after-tax return potential, manage unrealized gains and help keep more of what you earn.
Morgan Stanley Financial Planning can show you a single, comprehensive snapshot of your finances. We can help you create a wealth plan that's adaptable to the different stages of your life using our cutting edge tools- Goals Planning System (GPS) and LifeView.
As a leader in the distribution of insurance and annuities, our offerings include disability, long-term care and property & casualty insurance, as well as fixed, indexed and variable annuities. Morgan Stanley offers these products in conjunction with its licensed insurance agency affiliates.
Idea-driven portfolios that turn innovative trends, themes and insights into powerful investments across asset classes and market sectors with access to third-party and proprietary investment selections based on industry-leading research from across the full scale and global reach of the firm.
Once you open a Morgan Stanley Brokerage Account, you can make the most of your idle cash with our competitive Preferred Savings Program.
Designed as a modern alternative to banking with the capabilities to help you access, move, and manage cash when you need it while enjoying exclusive benefits.
Market Insights
I believe financial concepts should be clear, approachable, and practical. My goal is to help clients understand the strategies, decisions, and market forces that shape their financial future.
I'm committed to sharing timely resources and thoughtful perspective so clients can stay informed on market trends, economic developments, and the issues influencing the broader financial and business landscape. Below are a few insights and resources we regularly share.
- Chart of the Week
- Fixed Income Insights
- Market & Liquidity Trends
- Tactical Allocation Perspectives
Timely market commentary and analysis from Morgan Stanley's thought leaders covering topics such as global equities, fixed income, economic policy, and broader market developments.
Featured topics often include:
Hosted by Mike Wilson and other Morgan Stanley leaders, this podcast explores the trends, themes, and forces influencing today's markets and economy.
Listening to real money conversations can be a practical way to sharpen your own decision process—especially during life transitions.
Location
Portfolio Insights
Retirement
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
Investing
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
Family
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
Business Planning
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Philanthropy
- Endowments
- Foundations
- Donor Advised Funds
- Impact Investing
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
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The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
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