My Story and Services

About
Our Wealth Management practice specializes in investment management, financial planning, and trust & estate optimization for high-net-worth individuals, high-earning professionals, and entrepreneurs. We develop tailored financial strategies focused on long-term growth, tax efficiency, and personalized advice.

Financial Planning Focus
Comprehensive planning offers a clear picture of your current financial position and serves as a roadmap for thoughtful investing. Positioning the planning process at the center of our service allows us to systematically implement and maintain long term strategies while measuring progress toward goals.

Customized and Flexible Service Model
Our practice is uniquely positioned to engage with you starting early in your life's financial arc. We believe that focusing on the relevant strategies at the right time is key to optimizing outcomes. As such, we have designed a flexible service model that ensures you get the proper advice/guidance when you need it, and that the relationship evolves over time along with the growth of your assets/financial complexity.

Key Services:

  • Comprehensive Financial Planning
  • Investment Management
  • Financial Decision Coaching
  • Cash Management
  • Debt Management
  • Education Funding
  • Life Insurance Analysis
  • Employee Benefits Optimization
  • Estate Planning Strategies

NMLS #: 2615458

Securities Agent: FL, OK, ND, WV, NY, NM, MA, AZ, WI, MN, LA, KY, IL, NV, MT, ID, WY, WA, UT, IA, GA, CA, AR, AL, MI, TN, SC, RI, MS, CO, OH, KS, IN, HI, TX, DC, CT, AK, VT, VI, VA, NH, NE, MO, SD, PR, OR, NJ, MD, DE, PA, NC, ME; General Securities Representative; Investment Advisor Representative
NMLS#: 2615458
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*

WHO WE SERVE

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    Corporate Executives and Other High Earning Professionals

    Our team specializes in serving high earning executives and their families during their wealth accumulation phase. From our team's collaborative approach, you will receive advice tailored to you from our hybrid Private Wealth Management and Emerging Wealth practices.

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    Financial Services Executives

    Financial services professionals require careful planning to comply with trading regulations and equity compensation packages. We take a complete approach to aligning investment management strategies with guided financial planning through analysis of your personal, professional and financial goals.

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    Entrepreneurs & Business Owners

    Entrepreneurs and business owners often need advanced planning to achieve their short and long-term goals. This planning spans financial planning, estate planning, investment management, cash management, lending, tax optimization and more in a manner that is unique to business owners.

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    Attorneys

    Our team serves attorneys by providing tailored advice and investment strategies that align with their goals. Attorneys have specialized experience that can benefit greatly from collaborating with a seasoned investment and advisory team. We are familiar with your unique compensation including significant compensation, benefits at the partner level as well as trading restrictions you may have.

FINANCIAL PLANNING

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    Comprehensive Financial Planning

    Our financial planning process involves gathering personal and financial information – data is both quantitative and qualitative, and includes goals. During a live "working session" we review a draft goals-based plan. The result is a dynamic personal financial planning model and balance sheet (not just a static report). Maintained/updated on an ongoing basis, our financial planning model serves as a basis for investment decisions and as a personalized benchmark to measure progress toward goals year after year.

    Access Our Wealth Management Checklist
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    Goals Planning System (GPS)

    Planning is essential to properly outlining the necessary steps to achieve long-term goals. Utilizing our Goals Planning System program allows us to effectively leverage our team's financial planning experience to create a financial planning strategy tailored to your needs.

    Learn More About GPS
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    Financial Organization and Risk Management

    Financial organization and risk management focuses on completion of essential legal documents (will, health proxy, power of attorney, trust documents, etc.), corporate benefits analysis and optimization, and life insurance review to determine appropriate coverage levels. We leverage, and where appropriate introduce, our network of attorneys and tax advisors/CPAs to help clients in these areas.

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    Financial Decision Coaching

    We coach you through major decisions and support prudent "investor behavior" (one of the biggest influences on long-term investment performance and financial outcomes). We encourage adherence to your financial plan and investment strategy, and discourage market timing. To provide additional clarity and support, we collaborate on real-time, "what if" scenario modeling to see how an important decision will impact your long-term financial plan.

INVESTMENT MANAGEMENT

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    Investment Management

    We use your balance sheet and financial statements to provide a clear and organized picture of your current financial position. Comparing your current portfolio holdings to the target asset allocation mix built into our financial plan, we propose a detailed, tax-sensitive transition from current to target portfolio.

    Learn About Our Alternative Investment Capabilities
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    Tax Optimization Strategies

    Actively tax loss harvest in taxable investment accounts to improve net of tax portfolio returns. Own investments in tax efficient account types taxable versus retirement/tax deferred given their income characteristics ("asset location"). Use tax efficient charitable gifting strategies if philanthropy is of interest.

    Learn More
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    Alternative Investments

    Our leading alternatives platform offers 200+ third-party and proprietary funds, including first look and exclusive opportunities, that may help qualified investors enhance returns, reduce volatility, manage taxes and generate income—while maintaining a goals-based approach for asset allocation.

    Morgan Stanley Alternative Investments
    Structured Investments (icon) - DO NOT EDIT CONTENT - MUST USE AS IS - RT
    Structured Investments

    Customized investment strategies —such as yield enhancement strategies and risk mitigation strategies —that serve as powerful allocation tools in modern portfolios.

ADDITIONAL SERVICES

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    Cash Management

    We help you maximize your yield on cash and determine the appropriate size for a "rainy day" cash fund based on your needs. We balance disciplined and consistent portfolio additions with your near and mid term liquidity needs.

    Learn More Here
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    Debt Management

    Review liabilities including mortgages, home equity lines of credit, student loans, and margin balances. Annually evaluate debt paydown strategies in context of other financial goals. Access Morgan Stanley Home Loan and tailored lending solutions as needed.

    Learn More Here
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    Education Funding

    Use 529 Plan education accounts for potentially tax deductible saving, tax deferred growth, and tax free distribution for qualified education expenses. Take advantage of tax free gifting strategies to efficiently fund education costs and optimize estate plan. Analyze education funding goals annually to determine size of recurring or lump sum 529 contributions.

    Learn More Here
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    Total Tax 365

    Taxes can be a substantial drag on investment returns. Morgan Stanley Total Tax 365 offers access to a broad range of tax-efficient strategies to help you integrate tax planning into your investment process all year long, maximize portfolio after-tax return potential and help keep more of what you earn.

    Learn More Here
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    Life Insurance Analysis

    Analyze your current life insurance and use our financial plan to determine whether there are any gaps, shortfalls, or inefficiencies in coverage. Access Morgan Stanley's open architecture insurance platform as needed.

    Learn More Here
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    Estate Planning Strategies

    Help ensure essential legal documents are in place and up to date (will, healthcare proxy, power of attorney, trust documents). Review retirement account and insurance policy beneficiaries for consistency with estate plan.

    Learn More Here
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    Employee Benefits Optimization

    Review corporate benefits, including employer sponsored retirement plans, health insurance options, and stock/options/deferred compensation packages. Educate and advise on benefits elections and ensure their consistency with broader financial plan and investment strategy.

    Learn More Here
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    Morgan Stanley at Work

    Morgan Stanley at Work offers specialized solutions across equity solutions, retirement solutions, deferred compensation, executive services, and more.

    Learn More Here

Location

55 East 52nd Street 10th
Fl
New York, NY 10055
US
Direct:
(212) 705-4593(212) 705-4593
Wealth Management
Global Investment Office

Portfolio Insights

Investing

Working closely with you to guide your wealth and investments through the most challenging market cycles.
  • Asset Management
  • Wealth Planning
  • Traditional Investments
  • Alternative Investments
  • Impact Investing
2025 Global Economic Outlook: U.S. Policies May Temper Global Growth
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2025 Global Economic Outlook: U.S. Policies May Temper Global Growth

Global growth is likely to be around 3% in 2025 and 2026, as tariff and immigration policies begin to slow the U.S. economy late next year, and China's underperformance restrains emerging markets.

Retirement

Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
  • 401(k) Rollovers
  • IRA Plans
  • Retirement income strategies
  • Retirement plan participants
  • Annuities
4 Financially Smart Ways to Take Money Out of Retirement Accounts
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4 Financially Smart Ways to Take Money Out of Retirement Accounts

Discover how planning for required minimum distributions from retirement accounts can help you fund future needs and support loved ones.

Family

Creating customized financial strategies for the challenges that today’s families face.
  • Estate Planning Strategies
  • 529 Plans / Education Savings Planning
  • Long Term Care Insurance
  • Special Needs Planning
  • Trust Services
Taking Control of Your Finances After Death of a Spouse
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Taking Control of Your Finances After Death of a Spouse

Financial planning after a divorce or death can be trying, but with the right approach and the right advice you can turn a difficult situation into empowerment.

Business Planning

Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
  • Succession Planning
  • Business Planning
  • Qualified Retirement Plans
Financial Planning for Life After Selling a Business
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Financial Planning for Life After Selling a Business

Selling your business can mean big changes for your life, both personally and financially. Know how to make the most of your windfall.

Philanthropy

Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
  • Endowments
  • Foundations
  • Donor Advised Funds
  • Impact Investing
Donor Advised Funds: A Smart Way to Manage Your Giving 
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Donor Advised Funds: A Smart Way to Manage Your Giving 

There’s more to charitable giving than you may realize. Here’s one method that may be a tax-efficient way to give and can help maximize your impact.
Ready to start a conversation? Contact Mac Coughlin today.
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Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.

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Awards Disclosures
CRC 6491812 (04/2024)