Marc Perrault
My Mission Statement
My Story and Services
- Wealth ManagementFootnote1
- Professional Portfolio ManagementFootnote2
- Financial PlanningFootnote3
- Estate Planning StrategiesFootnote4
- Executive Financial ServicesFootnote5
- Stock Plan ServicesFootnote6
- Philanthropic ManagementFootnote7
- Alternative InvestmentsFootnote8
- Cash Management and Lending ProductsFootnote9
NMLS#: 2447874
goals-based financial planning steps
While the ever-changing nature of investing cannot be eliminated, the presence of a comprehensive financial plan that encompasses all aspects of your life can provide you with a clear path and security. I understand that each client's situation is unique, which is why I initiate our initial conversation by delving deeper into your personal circumstances. This allows me to assist you in defining and articulating your long-term goals. Through the process outlined below, you will gain a fundamental understanding of the steps I adhere to in order to support you and your family on your journey toward financial success.
From our initial conversation, I seek to gain a thorough understanding of your current financial circumstances and goals. I do this with a series of qualitative and quantative questions. The consultation builds a snap shot in time as to how your lifestyle, family, and your finances are intertworking today.
After a thorough evaluation of your personal circumstances, I create an optimized financial plan tailored to your specific needs. This plan serves as a roadmap, outlining the course of actionable steps to under go in an effort to meet your short-term and long-term goals.
Using your financial plan as a guide, we execute the necessary steps and strategies called for over time. This will involve leveraging both internal and external resources to ensure the highest possible chance of achieving your financial goals.
An individual's portfolio and financial goals will change over time. Changes in economic and personal conditions call for and illustrate, an ongoing need of assessment and adjustment to one's financial plan. To ensure the highest probability of success I continuously monitor client portfolios, utilize risk management techniques, and evaluate the effectiveness of the plans ability to achieve your goals. The objective is to keep your plan, portfolio, and strategies aligned as we go through life's many changes.
Areas of Expertise
As a financial advisor, my primary role is to assist my clients in achieving their financial objectives in the most effective manner possible. To accomplish this, I leverage Morgan Stanley's resources and my personal expertise to develop tailored financial plans and investment solutions that are designed to address your specifc needs, goals, and objuectives. I am pleased to present a catalog of the key financial planning topics that I prioritize during the course of running my practice.
Deciding to transfer wealth to the next generation has never been more important. Proper estate planning considers the estate owner's future, preferences, and goals.
Creating a plan while an individual still has complete control over their faculties is crucial as it helps ensure that a person's wishes are precisely reflected in the estate plan.
Being able to generate high risk-adjusted return to achieve your investment goals is important, but having a tax smart strategy to help you keep most of what you make should also be taken into consideration.
Employees today are increasingly compensated with stock or stock options. As a result, incorporating equity compensation to an overall financial plan will help employees achieve their goals more effectively.
For help filing your taxes, our team has published the 2023 tax tables for your reference. Please click the link below to view the document.
LifeView is a set of financial planning tools that includes goal-specific analysis that Financial Advisors can use to create holistic financial plans for their clients. LifeView integrates the various aspects of an individual's financial life, including investments and cash management needs.
The Portfolio Risk Platform is a powerful tool for understanding and engaging clients about risk. This risk analytics platform, powered by BlackRock Aladdin, enables financial advisors to identify and better understand the risk of their client portfolios, and business opportunities across their book.
Digital Assets
Digital technology plays a crucial role in various aspects of our lives, including communication, consumption, transactions, and travel. Morgan Stanley has developed a comprehensive suite of digital tools specifically designed to enhance every aspect of your financial life. Allow me to provide you with an overview of some of the technologies that will optimize your wealth management experience.
In 2020, E*TRADE joined Morgan Stanley to align their complementary strengths in creating solutions for clients. With Morgan Stanley's decades of wealth management and investment planning experience, along with E*TRADE's personal trading capabilities, you will have access to comprehensive financial planning, a full range of investment products and competitive pricing.
The foundation of our modern wealth client experience. Our digital capabilities online and on the Morgan Stanley Mobile App allow you to stay informed about your investments, and help you manage your everyday finances.
Total Wealth View allows you to link information from your accounts at other financial institutions directly to your Morgan Stanley Online or Morgan Stanley Mobile App profile.
The ability to view your assets in a centralized platform provides the opportunity to advise on your Morgan Stanley accounts with your entire financial picture in mind.
With Digital Vault, you will have a central, shared document library where all documents are stored using encryption. By having convenient access to your files across your devices, you will be able to obtain vital, timely information that you can share with your family and financial advisor.
Capital Market Developments
In my role as a financial advisor, my primary focus is on empowering my clients by providing them with the essential knowledge and tools required to make well-informed decisions. To achieve this objective, I offer a diverse selection of articles that furnish comprehensive data on prevailing market trends, in-depth analyses, and impactful events. These resources encompass a wide array of finance-related subjects that hold relevance in today's dynamic business landscape.
This report includes forecasts for returns and volatility of global asset classes over the strategic (seven-year) and secular (20-year) horizons.
A monthly publication that summarizes the Global Investment Committee's market outlook and contains thought-provoking essays that examine the forces shaping the investment landscape.
In this weekly analysis of markets, asset class performance, and major risk factors, Lisa Shalett provides her expert insights and a comprehensive perspective on where the economy and financial markets stand.
From the Global Investment Office, The US Policy Pulse provides monthly analyses and updates on the relevant political events affecting the economy and their potential impact on financial markets. Read the latest report by clicking on the link below.
Mike Wilson, Chief Investment Officer & Chief US Equity Strategist, Morgan Stanley & Co., and Lisa Shalett, Wealth Management Chief Investment Officer and Head of the Global Investment Office, discuss their thoughts on the market. Click the link below to listen to the full conversation.
The Morgan Stanley Ideas podcast delivers insightful narratives that illuminates the intricate workings of the business, finance, and technology landscapes. The Podcast provides listeners with a deeper understanding of diverse industries, making it an engaging and informative experience.
Location
Portfolio Insights
Retirement
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
Investing
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
Family
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
Business Planning
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Philanthropy
- Endowments
- Foundations
- Donor Advised Funds
- Impact Investing
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be appropriate for you. Please see the Morgan Stanley Smith Barney LLC program disclosure brochure (the “Morgan Stanley ADV”) for more information in the investment advisory programs available. The Morgan Stanley ADV is available at www.morganstanley.com/ADV.
3Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
4Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
5Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
6Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
7Products and services are provided by third party service providers, not Morgan Stanley Smith Barney LLC (“Morgan Stanley”). Morgan Stanley may not receive a referral fee or have any input concerning such products or services. There may be additional service providers for comparative purposes. Please perform a thorough due diligence and make your own independent decision.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
8Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
9Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
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The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
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The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
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Awards Disclosures
