The Cremin Group at Morgan Stanley

We enjoy working with clients who seek the same kind of long-term, fully engaged relationships we value. The bonds we form are fundamental to our mission, and it is our goal that they span generations. We are often tapped to address sensitive financial issues, facilitating conversations to achieve a shared sense of purpose and direction. We work to make sure you have all the information possible to help you make the best decisions.

We provide a one-stop shop for all your financial needs. We help you navigate through the investment universe and get you where you need to be. We often collaborate with specialists across Morgan Stanley, as well as other professionals within the industry who are considered experts in their fields. We work in collaboration with your accountant, attorney and other advisors to gain the precise knowledge needed to effectively manage your wealth, while helping ensure all recommendations are fully aligned and implemented.

Every decision is focused on doing the right thing for you. We are dedicated to a superior service model that emphasizes immediate access. We are fully available to you at any time and provide full access to everyone on our team. Our goal is to offer appropriate advice and service BEFORE you know you need it.

Markets and financial conditions are always changing. We keep you focused on your finances by proactively scheduling regular calls and meetings. We believe it is our responsibility to always be in sync with the changes in your life, so we can anticipate and respond strategically to new risks and emerging opportunities. The result is an integrated financial strategy that focuses on meeting your goals today and as they evolve over time.

Investors often take on more risk than necessary to accomplish their goals. With market experience dating back to the 1980s, we have a deep understanding of risk. When identifying investment opportunities, it is crucial to understand all of the underlying risks so we can build a portfolio that is positioned to grow – and preserve – your assets over time.

• Listen carefully to understand what is important to you, your family and your legacy
• Learn about the values that shape your decisions
• Identify any challenges and circumstances unique to your personal situation

• Review your current and future financial situation to determine the likelihood of reaching your goals
• Address any potential shortfalls or the impact of unexpected life events

• Create a custom wealth management plan
• Formally present your custom plan
• Openly discuss any costs involved

• Upon approval, complete paperwork to execute investment strategy
• Prioritize activities and establish timelines
• Initiate wealth management solutions, using both asset and liability management (mortgage/lending) solutions, as appropriate

• Schedule ongoing meeting to review and track performance
• Apply due diligence process to evaluate performance
• Monitor your investments and make changes where needed
• Review risk profile and make adjustments to your plan as needed

Managing your assets should be a consultative, disciplined process that balances your attitudes about investing with careful analysis of the financial markets. Working together, we create a personalized strategy that applies long-held investment principles to help your assets appreciate appropriately, generate income when needed and reduce current and future taxation.

The cornerstone of an effective wealth management plan is comprehensive financial planning, which captures your long-term goals, current resources and expectations for the future. Effective planning can help eliminate blind spots, minimize risk and reduce taxes, all while helping ensure you achieve your goals as you had envisioned.

If you have a 401(k) from a previous job, we make it easy to consolidate your assets into one account so you can monitor your progress and investment results all in one place. This helps simplify your financial life, keeps you organized and helps make your money work harder for you.

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.

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.

Many investors today seek meaningful ways to create positive economic, social and environmental impact through the investments they make in their portfolio. Sustainable Investing focuses on aligning financial goals – which are driven by economic fundamentals – with impact goals – which are driven by personal values and mission. We can help you integrate these themes into your investment strategy.