Michael Krako

Investing the time to learn about you and your family; your assets and liabilities and the risk exposures, enables us to formulate strategies and customize the relationship to your needs.

Working with your tax and legal advisors, we help analyze your income and estate tax circumstances to identify and tailor planning techniques that may be used to address your objectives.

Your customized asset allocation reflects risk, opportunities and taxation across multiple entities, while integrating your investing and estate plans.

Short-term adjustments seek to capitalize on temporary market distortions. Before making adjustments, we analyze the impact of taxes and trading costs on potential returns.

After comprehensive due diligence and analysis of expected results across multiple market scenarios, strategies are chosen from our expansive investment platform.

In coordination with your other advisors, we can conduct ongoing reviews and comprehensive reporting to ensure that your strategy adapts to changing financial and family needs.

DISCLOSURES

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. 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.
Asset Allocation does not assure a profit or protect against loss in declining financial markets.

The Morgan Stanley Global Sports & Entertainment division is celebrating its 10th Anniversary of being a leader in the industry. Take a look at the video below to learn more about how the MPT Wealth Management Group can help empower you to reach new heights.

• Developing a sustainable budget
• Determining and articulating your financial goals
• Setting financial boundaries that help safeguard your money
• Creating strategies to help preserve, grow and transfer wealth
• Analyzing investment and/or business opportunities

• Take care of your family without compromising your own future
• Help you understand the mechanics of your financial well-being
• Extend your brand or expand your footprint
• Stretch peak earnings and plan for your lifetime
• Build, buy, borrow and understand how to navigate the financial world
• Make the difference you want to see in the world

The journey to becoming a professional athlete is exciting – and challenging. The Global Sports & Entertaiment Groups can offer financial support at the right moment. Even if an athlete just wants to talk with us to get a second opinion about their options, we're here to help. It's all part of our mission to give back to the sports and entertainment community by providing the skills and knowledge to help athletes make smart choices about their finances. We want athletes to not only think about today, but tomorrow, too.

Entrepreneurs and athletes have a lot in common: Both have competitive drives and get-it-done mindsets. They don't shy away from calculated risks and consider failure as a learning opportunity. Many athletes think about what they'll do after sports, some choosing to become entrepreneurs. Learn how a our team can help plan for success.

Careers in sports and entertainment follow unique financial trajectories that may benefit from a tailored investing approach. A planned approach with the right asset allocation framework can help athletes and entertainers preserve and, in some cases, enhance their career earnings.

Athletes and entertainers' careers often have their ups and down, all the more reason to plan ahead for a financially stable future. Here's how.

Morgan Stanley at Work's comprehensive suite of financial solutions for the private markets is designed to help companies create a culture of ownership. From the early days of a startup to preparing to go public, Morgan Stanley at Work provides the technology and services needed to manage cap tables and equity plans, generate audit-ready 409A valuations, run liquidity programs and support secondary transactions. These equity management solutions, delivered through the Shareworks platform, are complemented by a suite of workplace financial solutions to help build employee financial confidence, foster loyalty, and help companies attract and retain talent. These include:

• Equity Administration
• Liquidity
• 409A Valuation

We help corporate clients and prospects get the most from their equity compensation benefits with cutting-edge technology that's customizable and scalable. Whether they're newly public, expanding globally or looking to evolve their equity compensation management offering, we're able to help with their end-to-end equity compensation solutions. Situations when public market clients may be looking for equity compensation management help include:

• When launching a new equity plan for employees (e.g. ESPP launch, new equity type issued)
• When going global and expanding their equity plan into new jurisdictions/countries
• If dissatisfied with their current provider/platform
• When there's plan-impacting action happening (e.g. merger/acquisition, going from public to private)
• When looking for additional participant offerings to enhance their current benefits program (e.g. financial wellness, retirement planning)

Retirement Services maintains relationships with service providers to offer an array of product solutions for retirement plans of all sizes. We also have relationships with investment-only providers who offer value-added tools and resources. Some of our services include:

• Defined Contribution Consulting
• Solutions-Oriented Plans
• Fiduciary Investment Oversight

With Morgan Stanley at Work, we have access to a range of Nonqualified Deferred Compensation plan services and will help guide your company in picking the ones that best fit the needs of your company and employees. We can help review and evaluate available plan designs and informal funding strategies through a needs-based assessment, provide manager selection support and investment-related insights to help informally fund a non-qualified deferred compensation plan, and provide participants with plan education through a Morgan Stanley Financial Advisor.

• Recordkeeping and Plan Design
• Portfolio Construction
• Wealth Management Services

The more knowledgeable employees are in their finances, the more confident they can be in work and life. That's why we include Financial Wellness with every service we provide. Through a powerful combination of education, digital tools and financial guidance from our professionals, Financial Wellness is designed to address the unique needs of employees and empower their financial journey at every stage, giving employees the confidence to take charge of their finances. These services include:

• Education
• Financial Guidance
• Perks

Saving and Giving benefits can make a real difference in employees' lives as they can support the things that matter most to them—like saving for education and repaying student loans. Companies can show that they are committed to employees' priorities with leading-edge solutions that help them chart a path toward financial well-being. These services include:

• Student Loan Repayment
• College Savings
• Student Loan Refinancing

While business leaders are busy driving change for a company, our Executive Services team provides specialized expertise in equity compensation so they can keep taking the company to new heights. At Morgan Stanley, we can provide a dedicated team provides concierge-level support for executives' equity compensation, from 10b5-1 trading plans to form filing related to Rule 144 transactions, to access to wealth management and tax-optimization strategies, helping them navigate their complex financial needs with greater confidence and certainty. Some of our services include:

• Equity Compensation Services
• Equity Award Analysis
• Specialized Solutions