Herrington Willett Group at Morgan Stanley

• How do I optimize my portfolio while minimizing taxes?

A key strategy for boosting long-term investment returns is being smart about tax efficiency. Minimizing the impact of taxes in your portfolio can help you build wealth over time.

Let's discuss what strategies might make sense for you.

• If I change companies, what are my investment options for my retirement plan assets?

One of the hardest parts of retirement planning is getting started. If you opened and saved through a 401(k) plan at a former employer, you should pat yourself on the back for making a smart decision, even if you are no longer at that job or are planning to leave soon. But you may also be unsure about what to do with your 401(k) after leaving your job.

• Will I run out of money in retirement?

Most people look forward to retirement and the prospect of new hobbies, travel and quality time with family. Improvements in medical care have increased the length of time that retirees may have to enjoy these years. However, with longer retirements comes a new challenge.

• Do I need long-term care insurance?
• How do I ensure my parents have the comprehensive care they need and deserve?
• What happens to the management of my assets, should I become incapacitated?

If you've been named as your parent's executor, you'll find it's a role with both emotional and administrative tasks. Here are some key guidelines.

• Are my investments at the right level of risk?
• Will my family be secure if something happens to me?
• How do I help ensure my assets are protected from cyber attacks?

• How do I protect my estate from taxes?
• How do I create a legacy for my children?
• Are my charitable donations having the impact I want them to have?

Goals Planning System (GPS) is Morgan Stanley's own integrated planning tool. Built on the Firm's intellectual capital and capabilities, GPS is an intuitive and efficient platform used to quickly assess whether a client is "On Track" to achieving their financial goals.

One way to manage savings is by using Morgan Stanley's Spending and Budgeting tool. These tools help advisors monitor client cash flows across both internal and external accounts.
It also tracks spending patterns and produces an income and expense analysis to help clients achieve their goals by adjusting their spending behavior when necessary.

Building wealth is a means to an end. Taxes can eat up a significant portion of your assets upon withdrawal. This is why it's vital to look at your entire portfolio and coordinate liquidation to help reduce the impact of taxes and potentially improve investment results We are backed by sophisticated technology that enables us to look across multiple accounts and products to determine the right combination of securities and positions to sell for client needs.
The decisions your make today can help you save for years to come. Use the resources found in the link below to help get started.

Our purpose at the Herrington Willett Group is to provide tailored financial guidance and support enabling our clients to make informed decisions achieve their financial aspirations and secure a prosperous future.

In today's video, we'll discuss the current market climate, specifically the federal funds rate, current inflation trends, and how interest rates are influencing today's bond yields. (July 2024)

Learning how to protect yourself from tax season scams is crucial as cybercriminals often devise schemes to steal your identity and assets during this time of year. (March 2024)

Investors with concentrated holdings that have large unrealized gains should consider diversification strategies that aim to minimize tax consequences. Learn to diversify without boosting your tax bill. (February 2024)

Watch as we discuss how you can best prepare your fincial portfolios as the year comes to and end and we begin heading into 2024. (November 2023)

Your investments and everyday finances are always just a few clicks away with Morgan Stanley Online (MSO) and the Morgan Stanley Mobile App.

Complete your financial picture with Total Wealth View. By linking your account information, you will benefit from more informed wealth planning, more secure data access, and convenient connectivity.

At Morgan Stanley, safeguarding your assets and personal information is among our highest priorities. Learn about our security measures and use our resources and ideas to help protect yourself online.

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

Keeping important documents and financial records organized and readily available is one of 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.