Regina Dinga

We will first have an introduction call to assess your concerns and see if we will be a good fit for you. If we decide to move forward, we will schedule a meeting to discuss important financial information.

We continue our initial dialogue by talking about your current financial situation and identify circumstances that may be unique to you. We will also define your priorities moving forward and review documents you have prepared.

In this step we take into consideration all of your concerns, goals, and unique circumstances to put together a plan tailored for you that will help you grow, preserve, and transfer your wealth.

After creating the plan that is uniquely yours, we will begin implementing it and putting it to work. From there, we will be committed to continuous service, updating the plan as you and your life change.

While there is no secret formula to choosing and managing investments, a methodological, long-term approach, allows us to grasp a comprehensive view of your financial situations to make recommendations that are the best fit for you. We take care of your retirement accounts and other investments based on your comfort level with risk and your current tax circumstances, tailoring your financial strategy to your unique situation, needs, and goals.

Leading up to and through retirement, we help ensure that you have the income and resources to live out the lifestyle you envision, while accounting for the unexpected.

Regardless of your current financial circumstances, it is crucial to have a backup plan for your money in case something happens to you. We regularly review this with you and coordinate with your estate attorney to help ensure that your wishes are met in the most efficient and cost-effective way possible.

A large part of wealth management is planning for and protecting against the unexpected. Every individual and family’s insurance needs are different, so we do a comprehensive review to make sure existing policies are appropriate and make recommendations to fill in any gaps.

Morgan Stanley Smith Barney LLC offers insurance products in conjunction with its licensed insurance agency affiliates.

Planning for long term care is very important for people who may eventually need personal care for short or long periods of time. Preparing and saving for this is crucial for helping loved ones who may need services that help them live as independently and safely as possible without being able to perform everyday activities on their own.

Morgan Stanley Smith Barney LLC offers insurance products in conjunction with its licensed insurance agency affiliates.

Since long-term care insurance is medically underwritten, you should not cancel your current policy until your new policy is in force. A change to your current policy may incur charges, fees and costs. A new policy may require a medical exam. Actual premiums may vary from any initial quotation.

Guarantees and contractual obligations are backed by the claims-paying ability of the issuing insurance company.

Rolling over a 401k to an IRA can seem like an intimidating process, but we have been helping clients with this for years. We will ensure your rollover is going to make the most sense for you and your financial situation.

Typically, a retirement plan participant leaving an employer's plan has the following four options (and may be able to use a combination of these options depending on their employment status, age and the availability of the particular option):

1. Cash out the account value and take a lump sum distribution from the current plan subject to mandatory 20% federal income tax withholding, as well as potential income taxes and 10% early withdrawal penalty tax, or continue tax deferred growth potential by doing one of the following:
2. Leave the assets in the former employer’s plan (if permitted)
3. Roll over the retirement assets into the new employer’s qualified plan, if one is available and rollovers are permitted, or
4. Roll over the retirement savings into an IRA

Other factors to consider when making a rollover decision include (among other things) the differences in: (1) investment options, (2) fees and expenses, (3) services, (4) penalty-free withdrawals, (5) creditor protection in bankruptcy and from legal judgments, (6) required minimum distributions or “RMDs,” (7) the Tax Treatment of Employer Stock, and (8) the availability of plan loans (e.g., loans are not permitted from IRAs, and the availability from an employer’s qualified retirement plan will depend on the terms of the plan.)

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It’s hard to see the complete picture with only half of the details. As a Morgan Stanley client, you can now conveniently view your accounts from other financial institutions in one location to give you and your financial advisor a full picture of your financial wealth and health. Log into Morgan Stanley Online or download the Morgan Stanley Mobile App to link and add external accounts.

Designed to Achieve Goals: A comprehensive Goals Planning System approach to wealth management can help tailor an investment framework that considers key aspects of a client's life such as retirement age, healthcare costs, home buying, cash management, legacy needs, and potential withdrawal strategies.
Track Progress to Goals: What good is a strategy if you don’t analyze its progress? Using the goals as benchmarks, the investment strategy is continuously evaluated to ensure clients are on track with their goals.
Stay Flexible as Goals Change: As circumstances and goals change, financial advisors can help introduce additional solutions to ensure all financial and personal needs are continuously addressed.

Keeping important documents and financial records organized and readily available is crucial when monitoring your financial condition and goals. The Digital Vault on Morgan Stanley Online and the Mobile App help you build a central, shared document library where all documents are readily accessible and stored with encryption for enhanced security.

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