The 437 Group at Morgan Stanley

Welcoming a child into the family is a joyous occasion for everyone—for parents, grandparents, aunts, uncles, siblings, cousins and other extended family members. We will help you plan and prepare for the financial components that a new child might introduce to your lives.

Education is a major investment that often requires years of careful, advanced planning. As educational costs continue to rise - from primary education through undergraduate, graduate and professional schools - we will work together to implement the appropriate funding strategies for your needs.

There are few events more exciting than tying the knot with the person you love. Managing your wealth is a critical component to maintaining a long, fruitful marriage. Also, helping fund your child's wedding is a goal for many parents and grandparents.

Divorce is a stressful ordeal that is seldom easy. In can be very difficult to brave this battle alone. If necessary, we will help guide you through the priorities and issues that need to be settled to ensure that your needs are met with care and respect.

Some people look forward to retirement as their time to relax and enjoy the fruits of their decades-long career. Others worry about their ability to support their lifestyle given certain life challenges. Saving for retirement is a lifelong process that relies on defined financial planning strategies.

We know how difficult losing a loved one can be. We are here to help you navigate the decisions to be made following the death of your spouse or other family member.

Start with a conversation to gain a thorough understanding of your needs, lifestyle and family - and your goals for the future.

We work with you to develop portfolio strategies to help you achieve and protect the outcomes you envision.

Look across multiple accounts and products to help you implement solutions that are an appropriate fit for your strategy.

We help you track your progress as well as spending and savings to help ensure you remain on track toward your goals.

Be in control of all your finances with Morgan Stanley Online and Morgan Stanley Mobile App. Track your spending, create budgets, deposit checks, and pay bills are just a few things you can do. Take advantage of additional features like current news and market data.

Have a goal you always wanted to accomplish? Along with your Financial Advisor and our Goals Planning System, you will be able to quantify your goals, get advice on what approach to take, and track your progress. GPS is designed to evolve as your life changes to help you reach your goal, even with varying situations.

Depending on your taxable income, you can end up in one of seven different federal income tax brackets – each with its own marginal tax rate.

Keeping track of your finances may be difficult when you have multiple accounts at other financial institutions. Total Wealth View allows you to consolidate them on the Morgan Stanley Mobile App or Morgan Stanley Online to give you a more complete financial picture. This can help your confidence in your finances and planning for the future.

Digital Vault lets you easily and conveniently manage and share life's most important documents, such as wills, deeds and estate plans, as well as financial statements and tax filings.

E-Delivery services ensure clients receive crucial financial documents efficiently and securely, enhancing their digital financial management.

E-Sign offers a secure and efficient way to electronically sign documents, eliminating the need for physical paperwork, and simplifying transactions.

With E-Authorization, you no longer need to sign a paper Letter of Authorization (LOA) to authorize a wire transfer request.

At Morgan Stanley, we believe that identifying financial solutions begins with a solid understanding of each client's situation, goals, objectives and risk tolerance. We follow a disciplined process that allows us to work with you to craft a solution that helps meet your individual needs. This process aligns our efforts with your interests, providing a road map focused on what is most important to you.

We begin with an in-depth conversation to understand your goals and the goals of your family, the concerns you have and what you ultimately would like to achieve. Next, we review your current future financial situation, identify the likelihood of reaching your goals, and address any potential shortfalls or the impact of unexpected life events.

Here, we'll prepare a comprehensive wealth management plan that address your individual income and cash flow needs, investment objectives and guidelines, and risk/return parameters.

With our guidance, you'll have access to a comprehensive array of strategies, services, and programs that work in tandem to help grow, preserve and transfer your wealth, while remaining aligned with your personal goals and aspirations.

We check in with you to deliver metrics around your portfolio, and ultimately measure trajectory towards your goals. Our ultimate mission is your success and well-being.