Denise Rohrick, CFP®, CPM®
My Mission Statement
My Story and Services
NMLS#: 2554451
While every client is different, we follow a general process to ensure that we address the most essential client needs and can make recommendations that are in their best interest.
Investing the time to understand your unique circumstances to identify, develop, and prioritize your financial goals.
Identify your current trajectory to identify and address weaknesses, and strengths.
Working with you we will develop a plan that improves upon your current trajectory in a way that works for you. We will craft a tailored Investing strategy and asset allocation designed to balance your short and long-term goals, help protect you from the many different forms of risk and seek to to optimize your outcomes.
Working with your tax and legal advisors, we will help to analyze your tax and estate tax circumstances to help identify and tailor planning techniques that may be used to address your objectives.
We implement your plan utilizing strategies that will adjust for the unknowns the future brings. Working with your tax and legal advisors, we will help to analyze your tax and estate tax circumstances to identify and tailor planning techniques that may be used to address your objectives.
We will provide timely updates and monitor your performance. At the end of the day most people want to know that they are on track, so as we review your plans we will maintain that focus so that you can know that you are on track, and if you are not, help you identify how to get back on track.
THE CFP® PROFESSIONAL
Individuals certified by the CFP® board have taken the extra step to demonstrate commitment and professionalism by voluntarily submitting to the rigorous CFP® certification process that includes demanding education, examination, experience, and ethical requirements. These four cornerstones set the foundation for the CFP® professional's ability in helping clients achieve their goals.
The CFP® professional must develop theoretical and practical financial planning knowledge by completing 2 to 3 years of comprehensive coursework at an institution of higher learning approved by the CFP® Board. Once obtaining the CFP® trademark, their education does not stop, as continued education is part of the recertification process.
The CFP® professional must pass the 7 hour comprehensive Certification Exam, which tests abilities to apply financial planning knowledge to real-life situations. The exam covers the financial planning process, tax planning, employee benefits, retirement planning, estate planning, Investment management and insurance.
All CFP® professionals are required to complete several years of experience related to financial planning services prior to earning the right to use the CFP® trademarks.
The CFP® professionals is obligated to uphold the principles of integrity, objectivity, competence, fairness, confidentiality, professionalism, and diligence as outline in the CFP® Board's Code of Ethics. The Rules of conduct require the CFP® professional to put their client's interest first above all else.
Tax Efficient Strategies
Here at Morgan Stanley, we strive to simplify complex financial ideas so that our clients understand what is being done on their behalf to plan for their financial future. We want to provide our clients with as many resources as possible so they can stay informed about the latest market trends, outlooks, and breakdowns. The links below provide detailed analysis on interesting topics that are affecting the finance and business worlds.
- Log into your account via Morgan Stanley Online
- Click the Accounts tab
- Select the Documents tab
- Go to the Statement drop-down tab
- Select Tax Documents and download them
How to Access Your Tax Forms
Minimizing tax liabilities in your portfolio can play a key role in helping you build wealth over the long run.
The tax decisions you make today can help you save for years to come.
Morgan Stanley Online digital capabilities and the Morgan Stanley Mobile App provide clients with access to their account information, enriched reporting tools, several cash management solutions and robust market research. The Morgan Stanley Mobile App provides clients with access to their accounts in just a few taps. Enjoy features such as eAuthorizations, eDelivery and Total Wealth View.
TIMELY RESOURCES FOR YOU
The annual percentage yield on the most recent Morgan Stanley Preferred Savings Program is now 5.00%, over 11x the national average. Learn more about how your cash can work for you using the link below.
As of January 2023, Social Security Payments will go up by 8.7%. This is a result of the Social Security Administration adjusting benefit payments annual for inflation since 1975. To view the SSA fact sheet, see below.
You can't take it with you, but through a trust, you can define how you want your life's work and wealth to continue to benefit the people and causes you love and care for.
Estate planning can be an emotionally and financially complex task, but creating an estate plan can help protect your wealth and prevent hardship for your heirs.
Selling your business can mean big changes for your life, both personally and financially. Know how to make the most of your windfall.
Hidden risks abound. For affluent families, this can mean unwanted financial exposure. A simple risk assessment can go a long way to help close these gaps.
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
Financial Wellness
- Reduce employee stress,
- Improve retention and engagement, and
- Set themselves apart by offering comprehensive financial wellness benefits.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
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 Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
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.
Awards Disclosures
