John Giachino, CRPC®

Our relationship begins with an initial discussion focused on getting to know you, your lifestyle, and your future goals. During this meeting, we will work together to establish your financial goals by reviewing your current financial situation. We will develop a plan that is appropriate for you and that will help you achieve the financial outcome you envision for yourself.

This presentation will map out essential factors that play into your financial success. These factors include, your employee and employer contributions, liquidity events, and insurance coverage. Examining relevant financial information provides a complete asset allocation analysis for your accounts, helping to ensure a complete financial plan. We will discuss any questions or concerns that you may have about your plan so we can make any necessary adjustments that fit your needs.

Implementation focuses on creating strategies uniquely designed for your specific needs. Recommended changes could include logistics, tax impact, asset allocation adjustments, and savings and benefit modifications.

We will be constantly monitoring your assets and analyzing your performance tracking data to ensure your financial expectations are being met and adjusted accordingly. We will maintain consistent communication to ensure that your concerns and requests are always addressed promptly. I will be available to you whenever you need me to be so I can provided you with the best service possible.

If you have a 401(k) from a previous job, I make it easy to consolidate your assets into one account so you can monitor your progress and investment results all in one place. This helps simplify your financial life, keeps you organized, and helps makes your money work harder for you.

529 plans are a great option when saving for education for a loved one or yourself. I can help you understand how they work and how you can gain control and structure in your education saving.

You have access to a broad range of strategies in diverse markets that will provide specialized expertise in areas such as private equity, private credit, hedge funds, real estate, infrastructure, future markets, and more.

Generational planning is an important component of leaving a lasting legacy for your family. Together we can create a plan that allows your children and grandchildren to benefit from your life's work.

Annuities provide a steady stream of income in a tax-efficient way. They can help in retirement planning and be an important part of your portfolio.

I will work with you to identify an investment strategy that is tailored to meet your needs. Throughout our relationship you will have direct access to me so we can continuously adjust your portfolio as necessary.

CDs are used as a way to hold a fixed amount of money for a fixed period of time. They provide a fixed interest rate with predictable returns.

A successful retirement requires a focused retirement plan. I want to make sure that you achieve your long term retirement goals so you can benefit from all of your hard work that has gotten you to where you are today.

It is important to make sure that your loved ones are taken care of in case something happens to you. Life insurance ensures that the chosen beneficiary receives a death benefit payment upon death of the policy holder, assuming the policy is in force and all required premiums are paid.

Long-term care insurance helps to pay the cost of a broad range of care services an individual may need over an extended period of time. Ensuring that you are taken care of over time allows you to get the assistance you need while living the life you want.

Municipal bonds can be used as a way to create a reliable stream of income. They can be valuable in several different types of long-term planning. I am here to help you navigate this type of investment and all of its details.

As a Consulting Group Associate, I use a holistic approach that is centered around your goals. By working with me, you have access to all of Morgan Stanley's resources and investment solutions, all of which are used to create customized advice and financial planning specific to you.