Howard C Williard III, CFP®, CFA®

This helpful resource outlines the 2025 tax rate schedule, education and health savings account limits, retirement contribution and deduction limits, among other information. With tax season seemingly always right around the corner, it's best to be as informed as possible.

Minimizing taxes in retirement can make your nest egg last longer—and increase the financial legacy you leave after you're gone. Consider these strategies to help you possibly reduce your taxable income, generate tax-advantaged growth potential in your retirement accounts and keep more of what you've worked so hard to save.

We thoroughly review your mortgage, car loans, credit cards, and any other debts that you may have in order to help determine where you can save on interest and create a timeline for your debt payments by prioritizing which ones should be paid off first.

Buying insurance can feel a little like paying your taxes. It's not optional, but it's painful to actually cut the checks for it. Still, you know that without insurance, your dependents would face potentially deep financial hardship if you were unable to work (or worse) due to some unfortunate event.

Regardless of your current financial circumstances, it is crucial to have a backup plan for your money. We regularly review your finances with you and coordinate with your estate attorney to help ensure that your wishes are met in the most efficient and cost-effective way possible.

We take care of your retirement accounts and other investments based on your comfort level with risk and your current tax circumstances, tailoring your financial strategy to your unique situation, needs, and goals.

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.

The strategies you use when drawing down your retirement savings can have a significant impact on how much you'll pay in taxes and may help you keep more of the returns. Each retiree's situation is different but establishing a tax management strategy for your investments can help you retain more of your investment returns.

Our team's process begins with a conversation to uncover their clients' goals and understand their entire financial picture. We look to establish a mutual relationship based on full transparency and trust. These initial meetings, along with continued conversations, help our team with recommendations that are consistent with clients' investment objectives, timelines and risk tolerance.

Our team works with our clients to assess various scenarios and advise them on the strategies to help meet their goals. We counsel our clients to make investment decisions, not emotional ones, seeking to their investment strategy stays on track.

Life is constantly changing. How do I prepare for a more secure future knowing that certain events – like a divorce or a death in the family – can dramatically impact my plans?

Have I saved enough for retirement so I can maintain my current lifestyle without worrying I'll run out of money? What is the best way to re-invest my 401(k) when I get ready to leave my company and retire?

I have assets spread across multiple organizations and platforms. How do I get organized and simplify my financial life?

Life's risks can reveal themselves in many ways – from loss of life to loss of health. How do I protect myself and my family from life's unknowns?

I have so many things I want to do with my life. How can one investment strategy balance them all?

Is there a way to incorporate my personal values into the way I invest without giving up performance?

Are my charitable donations having the impact I want them to have?

Given extended life expectancy, how do I make certain I can afford the health services I may need?

With perspectives on the forces shaping the market, join Morgan Stanley's Chief Investment Officer and Chief US Equity Strategist as he and his colleagues discuss their viewpoints regarding the latest trends in the financial marketplace.

It's important to determine how much money you may need to save for a comfortable retirement. Whatever lifestyle you envision for retirement, it's essential to plan ahead so that your retirement savings will last.

Signature Access, the highest tier of Morgan Stanley's complimentary loyalty program Reserved Living & Giving, gives clients with $10 million or more in assets at the firm access to world class services such as Private Health Advisory, Personal Cybersecurity Services, Aircraft Management and more in addition to all the discounts and content available through Reserved Living & Giving.

Technology seems to be getting smarter by the minute, and artificial intelligence is on the verge of becoming a more common presence in our everyday lives. Learn about how robots and other forms of AI are taking the world by storm with their new and innovative technology.

The future of movement appears to be in electric vehicles, which have taken a larger and larger portion of the transportation marketplace as of recent. Investors can gear up for a long-term shift in automotive trends, as electric vehicles are expected to account for 90% of auto sales by 2050.

Cryptocurrency is becoming more and more well-known, and it is beginning to pique the interest of many investors. While it is certainly a topic of interest, many do not consider themselves well-informed on cryptocurrency, and it is crucial to make educated decisions in regards to your investing.

Whether you need advice or prefer to invest on your own, we have a range of solutions to help meet your needs.