D. Mark Macgargle

To us, clients are not just names on a page. We strive to know each client individually and understand their goals in-depth. This focus on the personal side of financial advisory allows us to better gauge the current and future needs of our clients, and work tirelessly to help them achieve their objectives.

Our combined experience allows us to offer innovative thinking and strategies that incorporate best practices from two lifetimes spent serving the financial needs of individuals and families alike. These skills, knowledge and insight help us to bridge the gap between the "real world" challenges our clients face and the investment world driving your decisions.

It is only on a foundation of trust and honesty that any relationship can be built. That is why we focus on making sure that our clients are comfortable discussing with us any topic that might affect their financial lives.

Our knowledge, coupled with the institutional support of a global brand like Morgan Stanley, grants us the resources and tools necessary to formulate detailed plans that can help meet a variety of financial objectives. Our use of Morgan Stanley's Modern Wealth Management Tools provides us with a cache of sophisticated financial instruments and techniques to help meet even the most complex requirements.

Morgan Stanley Online (MSO) has a variety of features beyond viewing your account balance and activity that you should take advantage of.

FEATURES
eAuthorizations: an enhanced way to authorize transactions with one click on Morgan Stanley Online and the Morgan Stanley Mobile App.

eDelivery: reduces paper documents sent by mail and can protect your personal information from getting into the hands of identity thieves.

Managing your everyday finances such as paying bills online, sending money or transferring funds.

The ability to view all of your assets together provides the opportunity to advise on your Morgan Stanley accounts with your entire financial picture in mind. We've launched a new tool that allows you to link information from your accounts at other financial institutions directly to your Morgan Stanley Online or Morgan Stanley Mobile App profile.

GPS helps clients define what they want out of life, and then creates a financial framework to bring these goals to life.

CLIENT BENEFITS
A Plan Designed to Achieve Goals: A holistic Goals Planning System approach to Wealth Management can help tailor an investment framework that considers key aspects of a client's life, such as retirement age, healthcare costs, home buying, cash management, legacy needs, and potential withdrawal strategies.

Embedded Investment Strategy to Help Clients Get on Track: Once goals are assessed, various investment proposals are considered to help clients get on track in accordance with their risk tolerance. The new tools will link to the latest asset allocation models, research and ideas and facilitate the Financial Advisor in providing advice right where it's needed.

Track Progress to Goals: Using goals as a benchmark, the investment strategy is continuously evaluated to ensure clients are on track.

Stay Flexible as Goals Change: As circumstances and goals change, Financial Advisors can help adjust priorities and introduce additional solutions.

Keeping important documents and financial records organized and readily available is one the best gifts you can give those you love. In the event of catastrophe or serious illness, disability or death, your Family Records Organizer can immediately provide vital, timely information to both your family and professional advisors. The Digital Vault on Morgan Stanley Online and the Mobile App allows you and your clients to build a central, shared document library where all documents are stored using encryption.