Larry Cabrera

We'll chat (over tea or coffee if you like) to take the time to get know you personally, identify what is important to you, and find out what would you like to happen going forward.

What problems or pain points are you facing right now that I can take off your plate?

Who is dependent on your success?

What keeps you up at night?

What needs to happen for you to have peace and sleep at night?

What questions do you need answers to now?

Next, we'll explain our process, how the resources of Morgan Stanley can help you, and how we guide clients like yourself achieve their goals and dreams.

The goal is to see if it makes sense to work together or not.

If all you need are investments at a low cost, then I can tell you right now that we are not the best fit for you.

Our E*TRADE platform might be a better fit for you in this scenario.

Yet, if you are looking to do much more such as tax strategies, retirement and estate planning, risk management, and generational wealth strategies, then in these scenarios we can have a deeper conversation.

If at the end you don't feel we are a good fit for you, no hard feelings at all.

You need to do what is best for you.

Only when you feel that it is in your highest good to work together shall we move forward to the next step of discovery.

"It is not enough to collect facts. The future belongs to those connect dots." - Adam Grant.

The goal of discovery is to take a snapshot of where you stand now and where you want to go.

This snapshot will allow us to connect the dots which will then create a roadmap.

The roadmap will tell us what necessary steps are needed to hopefully make your dreams a reality and identify what are potentially the best options for you to take.

Thus, our discovery will have two parts: numbers and emotions.

Numbers forces us to deal with the hard facts.

Emotions helps us to address your fears and concerns while honoring your desires and wishes.

You'll receive a checklist and a questionnaire to help you prepare for this meeting.

Remember that you're not alone. We're here to help you.

Once we have all the info we need, we move on to the next step of Leverage.

"Leverage is the best kept secret of the rich. Struggling business owners will spend time to save money, whereas successful business owners will spend money to save time." - Allan Dib.

This stage is where old school grit and wisdom will leverage new world ideas.

We start by leveraging the Artificial Intelligence and technology of Morgan Stanley to identify not only what you are doing well, but to identify where you can do better.

We then start to identify which partnerships we need to pull in to leverage their expertise.

You'll have to opportunity to meet our financial planning director, Bruce Spencer, CFP^®, RICP^®, NSSA and his team who will assist you in tailoring your financial plan.

For many, it may make sense to leverage our Morgan Stanley Tax Management Services to lower your tax bill.

Remember it's not how much you make, but how much you keep that matters!

For accredited investors, especially business owners and real estate investors, we might leverage our Morgan Stanley Alternative Investments platform and partners to gain exclusive access to deals that are not open to the general public to help you potentially build generational wealth!

Analysis plus leverage is what allows you to identify which actions and strategies have the highest probability of success.

Once we have all the info we need, we move on to the next step of Plan.

"An hour of planning can save you 10 hours of doing." - Dale Carnegie.

"A goal without a plan is just a wish." - Antoine de Saint-Exupery.

The goal is to find out which plans of action will give you the biggest bang for your buck.

Larry will offer the best 2 or 3 plans of action along with explaining the pros, cons, and fees.

Why?

Every medication has a benefit, side effect, and cost.

Money is no different.

Larry's dad was informed of the good, but not of the bad and ugly.

So, Larry makes it a part of his practice to explain the good, bad, and the ugly because this courtesy was never paid to his dad.

It's important for you to know.

Larry will also give you his opinion on which strategy he feels is best for you to take.

Yet, you're an adult. It's still your decision.

By having this information, you can now make an informed decision.

If at the end, you believe it's in your highest good to move forward, we will execute and move on to Guide.

"There are many who give advice, but few who offer guidance." - unknown.

Just because your children become adults doesn't stop you from being their guide for life.

The same courtesy is given to you.

Let me be your financial guide going forward.

Losing sleep regarding your retirement due to market volatility, the recent elections, and the unknowns?

Come to me. I can guide you through this.

Have concerns about any potential tax changes, and how it may affect you?

Let me guide you.

Having any problems with your business or an organization that you are a part of?

I could potentially guide you through this.

Financial problems within your family and loved ones?

I might be able to help and guide you through this as well.

Offering guidance is much more than staying in touch and doing an annual review.

Having access to a financial advisor that welcomes you to pick his brain and have access to his resources throughout the year is a game changer.

Why?

It about being there for you whenever you need us now and going forward.