Joseph Bertoni, CFP®, CRPC®

Your relationship with me begins with an initial discussion aimed towards getting to know you, your lifestyle and your future goals.

During the discovery meeting, I will figure out your financial goals by reviewing your current financial situation and determining an appropriate risk tolerance that can help you achieve the financial results you envision for yourself. 

My financial plan presentations map out essential factors that play into your financial success, such as your employee and employer contributions, liquidity events, and insurance coverage. Examining relevant financial information provides a holistic asset allocation analysis for your accounts, helping establish a comprehensive financial plan.






Important information about your relationship with your Financial Advisor and Morgan Stanley Smith Barney LLC when using a Financial Planning tool. When your Financial Advisor prepares a Financial Plan, they will be acting in an investment advisory capacity with respect to the delivery of your Financial Plan. To understand the differences between brokerage and advisory relationships, you should consult your Financial Advisor, or review our “Understanding Your Brokerage and Investment Advisory Relationships” brochure available at https://www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf

You have sole responsibility for making all investment decisions with respect to the implementation of a Financial Plan. You may implement the Financial Plan at Morgan Stanley or at another firm. If you engage or have engaged Morgan Stanley, it will act as your broker, unless you ask it, in writing, to act as your investment adviser on any particular account.

After the financial plan presentation, I will follow up with you regarding our analysis and recommendations, which may include adjustments to your financial plan, investment allocation, company benefits, and insurance coverage.  

My implementation meeting focuses on creating prospective strategies, custom designed for specific needs. Recommended changes could include logistics, tax impact, asset allocation adjustments, and saving/benefit modifications.

I will regularly review your assets and analyze your performance tracking data seeking to help make sure your financial expectations are being met and adjusted accordingly. I will keep a high degree of communication with you to make sure your concerns and requests are always addressed.

I want to gather and analyze your goals, assets, liabilities, and other important information. Then I use my perspective and experience with other unique clients like you to make recommendations on spending, giving, and living. 

I take a holistic approach to bring all the aspects of your financial life together. I use my analysis and experience to develop a customized plan for you.

This is paramount to a successful retirement. I bring an intense focus to this process. You have worked hard to get to where you are at. Now it is about helping you live the retirement you have always dreamt of.

Rollovers can be beneficial to you in several ways. It can help simplify your life by consolidating your assets. I can make sure that there is no risk of overlap or concentration insecurities. I can make taking the required minimum distributions easier. You also have the full suite of an open platform from which to choose investments from. 

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

The tax decisions you make today can help you save for years to come. There are many tax-smart strategies for your financial plan. These strategies include: preparing for tax day, tax-efficient investing, tax strategies for retirement, tax-smart giving, and more.

Morgan Stanley Online 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.

Access your account wherever, whenever using the Morgan Stanley Mobile App. It gives you the same capabilities as Morgan Stanley Online from the convenience of your phone.

The ability to view all of your assets and liabilities together, whether held at Morgan Stanley or elsewhere, enables us to advise with your entire financial picture in mind.

A holistic Goals Planning System (GPS) approach to Wealth Management can help tailor an investment framework that considers key aspects of a client's life, such as retirement age, healthcare costs, home buying, cash management, legacy needs, and potential withdrawal strategies. Using goals as a benchmark, the investment strategy is continuously evaluated to ensure clients are on track.

Regardless of what stage your life is , we can help you achieve your financial goals. Using a suite of tools that includes goal-specific analysis, we can work with you to create a realistic, holistic strategy that integrates the various aspects of your financial life, including your investments and cash management needs.

This helpful resource outlines the 2024 tax rate schedule, education and health savings account limits, retirement contribution and deduction limits, among other information. With tax season always right around the corner, it’s best to get as informed as possible.