The Davies Harmon Group at Morgan Stanley

We begin with an informal conversation to understand your financial concerns and determine how we can add value. If we all agree to move forward, we'll schedule our next meeting and request important financial information.

We continue the dialogue by fostering an in-depth conversation where we learn about the values that shape your decisions and identify any unique circumstances. We also review the documents you've prepared and define your priorities.

Here, we utilize financial planning tools to develop a personalized and detailed plan with recommendations to help you grow, preserve and transfer your wealth.

In this step, we present appropriate strategies that are designed to work together to achieve your goals. Upon your approval, we open new accounts for you at Morgan Stanley and initiate our investment recommendations. We'll also begin to implement other strategies we've discussed. These often encompass tax minimization strategies, as well as risk management and estate planning strategies.

Committed to premium service, we focus on developing a relationship that provides value to you and your family. As we begin to execute each strategy, we'll set up tools so you have immediate access to your account information. And because markets and personal needs evolve over time, we set up ongoing meetings to help ensure your plan remains on schedule to achieve your goals.

Morgan Stanley Online digital capabilities and the Morgan Stanley Mobile App provide clients with access to their account information, enriched reporting tools, several cash management solutions and robust market research. The Morgan Stanley Mobile App provides clients with access to their accounts in just a few taps.

Life is complicated. Our digital experiences make it easy to manage your money 24/7, from your desktop, tablet or phone. Clients with a Financial Advisor can enjoy the freedom to manage their wealth on their own devices while collaborating with their Morgan Stanley team. It's accessibility at its finest.

eDelivery provides you with the ability to view statements and other Firm documents electronically in lieu of paper. Clients who are registered in Morgan Stanley Online may enroll in eDelivery. Currently, documents available through eDelivery include statements, trade confirmations and prospectuses, general correspondence, selected Internal Revenue Service (IRS) approved tax documents, syndicate offerings, shareholder communications, and portfolio reports.

eSign simplifies electronic document signing. Upon receiving an email from "Morgan Stanley via DocuSign," you'll be guided to verify your identity and sign the document securely. Once signed, the document is sealed against any tampering or edits.

eAuthorizations empowers you to swiftly grant electronic authorization for both domestic and international transactions, whether one-time or recurring, via Morgan Stanley Online and through the Mobile App. This feature utilizes a robust multi-factor authentication system to verify your identity, effectively enhancing security and reducing associated risks.

Digital Vault lets you easily and securely manage and share important documents such as account statements, authorizations, tax filings and other relevant documents with your Financial Advisor.

The ability to view all of your assets together provides the opportunity to advise on your Morgan Stanley accounts with your entire financial picture in mind. This new tool allows you to link information from your accounts at other financial institutions directly to your Morgan Stanley Online or Morgan Stanley Mobile App profile.

Information related to your external accounts is provided for informational purposes only. It is provided by third parties, including the fnancial institutions where your external accounts are held. Morgan Stanley does not verify that the information is accurate and makes no representation or warranty as to its accuracy, timeliness, or completeness. Additional information about the features and services ofered through Total Wealth View are available on the Total Wealth View site on Morgan Stanley Online and also in the Total Wealth View Terms and Conditions of Use . Financial Advisors may not provide advice on any external account.

One way to manage savings is by using Morgan Stanley's Spending and Budgeting tool. These tools help 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.

This helpful resource outlines the 2024 tax rate schedule, education and health savings account limits, retirement contribution and deduction limits, among other information. With tax season seemingly always right around the corner, it's best to be as informed as possible.

At Morgan Stanley, safeguarding your assets and personal information is among our highest priorities. Learn about our security measures and use our resources and ideas to help protect yourself online.

Reserved Living & Giving is a complimentary perks program for eligible Morgan Stanley clients, designed to provide benefits beyond traditional wealth management services. The program provides access to one-of-a-kind experiences, discounts from popular brands, curated articles from our partners and Morgan Stanley thought leaders, and philanthropic inspiration.

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

Smart tax planning can help you save more for retirement and keep more of what you've already saved. Consider these tax-efficient retirement planning strategies.

Tune into the Morgan Stanley Podcast - What Should I Do With My Money? In this special episode, Cathy Davies-Harmon was a special speaker. Tune in to hear more on real people getting real answers from Financial Advisors to their most important questions about money.

Family Offices can be quite vulnerable to cyber threats and the dangers of ransomware are real. Consider these best practices to protect your information and assets in an increasingly complex digital world.

As companies accelerate the move toward cloud computing, cybersecurity challenges have unequivocally intensified. Learn how two key software markets are poised to converge to mitigate new threats.

Smart devices, we can't live without them. They know our voices, our search history, and much more. This can present security risks. Here's how to protect yourself.

Cryptocurrency is attracting quite a bit of attention lately—including from cybercriminals. Learn more about this digital currency, as well as some popular scams that are being perpetrated by fraudsters.

College students may not be too concerned about being a target for hackers. Find out why cybercriminals may prey on students and how they can protect themselves.

College students may not be too concerned about being a target for hackers. Find out why cybercriminals may prey on students and how they can protect themselves.

You likely spend more time each day on your smartphone than on your computer, but do you pay as much attention to protecting the security of your phone as your computer? Find out why you should.

Was your email hacked? Your Social Security Number stolen? Do you know how to respond? Learn the steps to take if and when your identity, account, device or information is compromised.