The Giachino Group at Morgan Stanley

Our relationship begins with an initial discussion focused on getting to know you, your lifestyle, and your future goals. During this meeting, we will work together to establish your financial goals by reviewing your current financial situation. We will develop a plan that is appropriate for you and that will help you achieve the financial outcome you envision for yourself.

This presentation will map out essential factors that play into your financial success. These factors include, your employee and employer contributions, liquidity events, and insurance coverage. Examining relevant financial information provides a complete asset allocation analysis for your accounts, helping to ensure a complete financial plan. We will discuss any questions or concerns that you may have about your plan so we can make any necessary adjustments that fit your needs.

Implementation focuses on creating strategies uniquely designed for your specific needs. Recommended changes could include logistics, tax impact, asset allocation adjustments, and savings and benefit modifications.

We will be constantly monitoring your assets and analyzing your performance tracking data to ensure your financial expectations are being met and adjusted accordingly. We will maintain consistent communication to ensure that your concerns and requests are always addressed promptly. I will be available to you whenever you need me to be so I can provided you with the best service possible.

If you have a 401(k) from a previous job, I 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 makes your money work harder for you.

529 plans are a great option when saving for education for a loved one or yourself. I can help you understand how they work and how you can gain control and structure in your education saving.

Alternatives are the investments that go beyond traditional stocks and bonds. They can open doors to unique opportunities to help grow and protect your wealth, and have long sought to offer enhanced returns, portfolio diversification, lower volatility, as well as potential tax efficiency.

Generational planning is an important component of leaving a lasting legacy for your family. Together we can create a plan that helps allow your children and grandchildren to benefit from your life's work.

Annuities can potentially offer a steady stream of income in a tax-efficient way. They can help in retirement planning and be an important part of your portfolio.

I will work with you to identify an investment strategy that is tailored to help meet your needs. Throughout our relationship you will have direct access to me so we can continuously adjust your portfolio as necessary.

CDs are used as a way to hold a fixed amount of money for a fixed period of time. They can provide a fixed interest rate with predictable returns.

A successful retirement requires a focused retirement plan. I want to help make sure that you achieve your long term retirement goals so you can benefit from all of your hard work that has gotten you to where you are today.

It is important to make sure that your loved ones are taken care of in case something happens to you. Life insurance helps ensure that the chosen beneficiary receives a death benefit payment upon death of the policy holder, assuming the policy is in force and all required premiums are paid.

Long-term care insurance can help to pay the cost of a broad range of care services an individual may need over an extended period of time. Ensuring that you are taken care of over time allows you to get the assistance you need while living the life you want.

Municipal bonds can be valuable in several different types of long-term planning. I am here to help you navigate this type of investment and all of its details.

As a Consulting Group Associate, I use a holistic approach that is centered around your goals. By working with me, you have access to all of Morgan Stanley's resources and investment solutions, all of which are used to create customized advice and financial planning specific to you.

By signing up for MSO, you can conveniently and securely manage your account online or on your mobile device.

The Morgan Stanley Mobile App gives you the same capabilities as Morgan Stanley Online - all from the convenience of your own phone. This app also offers features to simplify your everyday finances. These include check deposit and sending money with Zelle, a convenient way to send and receive money.

LifeView provides investors with a variety of financial planning tools that can be used to create specific and realistic strategies to accomplish their goals. Using this platform, we can work with clients to build a financial framework that fits them and gives them what they want in life.

Using Total Wealth View, you can view all of your assets and liabilities together - whether at Morgan Stanley or elsewhere - in one place for a comprehensive overview of your assets.

The Digital Vault allows you to build a centralized library for all your documents using encryption.

At Morgan Stanley, safeguarding your assets is one of our highest priorities. You have a vital role in protecting yourself against cybersecurity threats. Together we can provide you with a high level of safety.

Armed with a college degree and a blank state, your future awaits. Exciting new adventures and challenges are on the horizon. To help ensure you're prepared for what's ahead, it's important to understand how your financial decisions today can impact your opportunities tomorrow.

Beginning your career can be both exciting and nerve-wracking. A crucial first step is determining which career path is right for you. Beyond that, you'll want to be up to speed on various topics like professionalism, productivity and payroll.

Saving is more than simply putting money aside: It's a practice, a philosophy, and a tool for accumulating wealth, reaching your goals, and most importantly, achieving financial freedom. Saving is not just about retirement, it's about creating a plan to help finance your goals and dreams and the earlier you start, the better.

Creating an investment strategy that incorporates your lifestyle goals and tolerance for risk is essential. Setting clear goals for the short-term, long-term, and everything in between will help you decide what trade-offs you are willing to make to prepare for the important milestones ahead.

Building a business from scratch can be a lot harder and riskier than some may think, but if you are able to align your profession with your passions, it can be well worth it. The key to making your entrepreneurial dream a reality is having a clear understanding of the value your business will create, a solid plan for delivering that value, and the perseverance to see it through.

Understanding expectations, setting common goals and mapping out life as a couple are key tenants of any health relationship, especially when two financial lives become one. As a unit it's important to share everything, from money values to credit histories.

This exciting moment in your life comes with significant financial and lifestyle implications. Before taking the leap it's important to evaluate all factors before signing on the dotted line. Next-Gen clients may be able to leverage their family's relationship with Morgan Stanley to help break into this tough market. Let us know if you are thinking about buying a home and we can discuss all potential options.

It's important to anticipate what to expect before you're expecting. Your monthly expenses are going to change now that you have an additional mouth to feed, and for some this might also coincide with a temporary—or more permanent—decrease in household income. By mapping out your baby budget in advance, you can help ease anxiety about counting diaper costs.