Philip Volpe

Your financial plan brings all the dimensions of your life together. We listen carefully to understand the connections across your personal life, your family, your career and your legacy goals to develop a comprehensive strategy that is uniquely yours. We listen more than we speak and like a doctor or mechanic, we cannot treat the symptom until we diagnose. Whether your personal goals involve retirement planning, business planning or tax planning, you can trust that we will be there with you throughout your journey.

One of our key areas of focus is helping you prepare for and thrive in retirement. From, Qualified Retirement Plans, 401K's, IRAs to RMDs, we manage the complexities of your comprehensive retirement plan assets, helping you easily transition to the next phase of your life with confidence.

Delivering an estate to the next generation or favorite charity requires more attention than families often realize. We coordinate with your estate and tax professionals to align your legacy goals with the appropriate asset titling and beneficiary designation requirements, incorporating best practices to help enhance results.

Managing an investment portfolio should be a consultative, disciplined process that balances your attitudes about investing with careful analysis of the financial markets. Working together, we create a customized strategy that applies long-held investment principles designed to help your assets appreciate appropriately or generate cash-flow or income as you require according to your financial plan.

Morgan Stanley's global network affords us the ability to offer appropriate clients a wide array of alternative investments to consider. Our recommendations are based on your own goals and your tolerance for investment risk.

Alternative investments are often speculative and include a high degree of risk. Investors can lose all or a substantial amount of their investment. They may be highly illiquid, can engage in leverage, short-selling and other speculative practices that may increase volatility and the risk of loss, and may be subject to large investment minimums and initial lock-ups. They may involve complex tax structures, tax inefficient investing and delays in distributing important tax information. They may have higher fees and expenses that traditional investments, and such fees and expenses can lower the returns achieved by investors.

Creating adequate cash flow and securing liquidity are the day-to-day aspects of implementing a financial strategy. We provide creative solutions for your personal cash management and borrowing needs, while thinking strategically about how specific approaches may affect current and long-term costs and taxes.

First step in building long term relationship where we uncover passions, dreams and goals.

Analyze your current and alternate situations.

Deciding on a recommendation and executing in a timely manner.

Meeting periodically for updates and tracking progress.

LifeView is a suite of planning tools that includes goal-specific analysis that we can use with our clients to create a realistic, holistic strategy that integrates the various aspects of an individual's financial life, including investments and cash management needs.

Goals Planning System (GPS) is Morgan Stanley's own integrated planning tool. Built on the Firm's intellectual capital and capabilities, GPS is an intuitive and efficient platform used to quickly assess whether a client is "On Track" to achieving their financial goals.

One way to manage savings is by using Morgan Stanley's Spending and Budgeting tool. This tool helps advisors monitor client cash flows across both internal and external accounts. It also tracks spending patterns and produces an income and expense analysis to help clients achieve their goals by adjusting their spending behavior when necessary.

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