The Bergan Marlin Parks Group at Morgan Stanley

Our relationship begins with an initial discussion aimed at getting to know you, your lifestyle, and your future goals to understand your financial goals.

During the discovery meeting, we will work together to review your current financial situation and develop an appropriate wealth strategy for your risk and return objectives.

Financial plan presentations map out essential factors that play into your financial success, such as your wealth planning, estate planning, retirement planning, tax planning, and more. Examining relevant financial information helps to ensure a comprehensive financial plan.

After the financial plan presentation, we will follow up with you regarding your comprehensive financial plan analysis and portfolio recommendations, which may include tailored financial plan updates, investment allocation, consolidation of accounts, and strategy implementation.

The implementation meeting focuses on creating prospective strategies custom-designed for your specific needs. Recommended changes could include portfolio optimization, asset allocation, charitable giving, gift and estate planning, wealth transfer, and tax management strategies.

Finally, we will be constantly monitoring your assets and analyzing your portfolio's performance to ensure your financial objectives are being met and adjusted accordingly. We will maintain periodic communication with you to make sure your concerns and requests are always addressed.

The tax decisions you make today can help you save for years to come. There are many tax-smart strategies for your financial plan. These strategies include preparing for tax day, tax-efficient investing, tax strategies for retirement, tax-smart giving, and more.

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.

Estate planning 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.

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.

Our leading alternatives platform offers 200+ third-party and proprietary funds, including first look and exclusive opportunities, that may help qualified investors enhance returns, reduce volatility, manage taxes and generate income—while maintaining a goals-based approach for asset allocation.

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.

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

Many of today's companies stay private longer, with more of their valuation being created before they become publicly traded. Morgan Stanley Private Markets connects a broad network of potential private investors in an accessible ecosystem, allowing eligible clients to buy and sell securities of private companies.

One of our key areas of focus is helping you prepare for and thrive in retirement. From 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 security and confidence.

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

Morgan 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

A solution that may help you execute planned giving, offer an efficient way to donate complex and illiquid assets, and simplify charitable giving reporting while potentially mitigating taxes. Bring philanthropy into your wealth plan and help amplify the impact of your giving through the Morgan Stanley Global Impact Funding Trust (MS GIFT).

The Morgan Stanley Global Impact Funding Trust, Inc. (MS GIFT) is an organization described in Section 501(c)(3) of the Internal Revenue Code of 1986, as amended. MS Global Impact Funding Trust (MS GIFT) is a donor advised fund. Morgan Stanley Smith Barney LLC provides investment management and administrative services to MS GIFT. Back office administration provided by RenPSG, an unaffiliated charitable gift administrator.

As a leader in the distribution of insurance and annuities, our offerings include disability, long-term care and property & casualty insurance, as well as fixed, indexed and variable annuities. Morgan Stanley offers these products in conjunction with its licensed insurance agency affiliates.

Your family is unlike any other we have ever served. You may, however, share many of the same questions, challenges, and opportunities. We look forward to learning more about you and your family and discussing how we can help you safeguard what you have earned and pursue your most important life goals. We provide many resources to help you navigate your financial journey.

The Global Investment Committee's Lisa Shalett headlines this weekly look at markets, asset class performance, and fixed income.

Each week, Chief Cross-Asset Strategist Andrew Sheets, or a member of his team, offers perspective on the forces shaping the markets.

Market volatility can increase or decrease depending on where we are in the business cycle. When market volatility picks up, having a long-term horizon is an investor's best strategy.

Reserved Living & Giving is a tiered complimentary loyalty program that rewards Morgan Stanley's most valued clients. Members can enjoy special discounts and timely insights to support them at home and beyond.

View the 2025 maximum benefit and contribution limits.

This helpful resource outlines the 2025 tax rate schedule, education and health savings account limits, retirement contribution and deduction limits, among other information. With tax season always right around the corner, it is better to have as much information as possible.