J Shepard

Through a process of discovery and discussion, I will work with you to articulate your wealth goals. Together, we will examine your current and future liabilities, income sources and cash flow needs, and then consider factors that might influence your overall strategy, including tolerance for risk, tax concerns, liquidity needs and time horizon. Through careful analysis, I will look for potential gaps that may exist between your goals, and develop sound strategies to help clear the path.

Working from my understanding of you and your objectives, I will propose a financial plan that contains specific strategies designed to help meet those goals. My advice may encompass issues such as alternative investments, retirement planning, tax minimization potential and wealth transfer.

After discussing and refining your strategy, I will work closely with you to bring the elements to life. Planning is a vital part of our process. Using tools to actively monitor your plans progress, making sure you are on track to meet your financial goals and objectives. Whatever the approach may be, I will help you keep your strategy on track.

I view ongoing communications as the foundation of my successful collaboration with you. I will make every effort to stay aware of your changing financial needs and provide viable strategies to help you meet them. This means reviewing your portfolio together at your request when circumstances change, I will work with you to revise your strategy and reposition your assets to reflect your new needs and goals.

Explore investments beyond traditional portfolios. With unmatched experience, scale and reach across our vast global network. Morgan Stanley is an industry leader in alternative investments - providing access to exclusive offerings, preeminent fund managers and innovative investment opportunities. Investments include but are not limited to:

• Private Equity
• Real Estate & Infrastructure
• Hedge Funds
• Private Credit
• Managed Futures
• Exchange Funds

In the current environment, strategies that worked before may not be effective. Alternative investments could play a valuable role in your portfolio. Here are six strategies that can guide investor's thinking on alternative investing in the near to intermediate term:

1. Seeking investments that provide alternatives to fixed income
2. Reaching for excess return using appropriate hedge funds
3. Capturing value in private markets with secondaries
4. Looking for complementary sources of return in private credit
5. Finding opportunity in health care innovation
6. Finding value in corporate stress

What if you could tailor your portfolio to your goals while giving your financial strategy an edge? With Alternative Investments, you may be able to achieve this. View the following video to learn more.

Beyond viewing your account balance and activity, Morgan Stanley Online (MSO) has a suite of features that allow you to manage your everyday finances from paying bills and sending money to transferring funds and authorizing transactions with eAuthorizations.

It’s hard to see the complete picture with only half the details. As a Morgan Stanley client, you can now conveniently view your accounts from other financial institutions on Morgan Stanley Online or by using the Morgan Stanley Mobile App, giving you a more complete financial picture.

Securely access your Morgan Stanley account from virtually anywhere. Simply download it on your mobile device and use your Morgan Stanley Online username and password to log in. From there you will have resources of MSO on the go.

Easily and conveniently manage and share life’s most important documents, such as wills, deeds and estate plans, as well as financial statements and tax filings. Digital Vault allows for easy document sharing, convenient access, and encrypted files.

With eAuthorizations, you can electronically authorize domestic and international, one-time/recurring transactions through Morgan Stanley Online and the Morgan Stanley Mobile App within minutes.

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.

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