Lance Huebner, CFP®

In this initial phase, we delve into understanding your financial landscape and explore your current situation, aspirations, and challenges. This allows us to gather essential information to tailor our approach to your unique needs.

Building on the insights from the discovery stage, we work together to define and refine your financial objectives. By clarifying your short-term and long-term goals, we create a roadmap that aligns with your vision for financial success.

Establishing a solid foundation, the commitment phase involves outlining the roles, responsibilities, expectations of both parties. This mutual commitment sets the stage for a collaborative and transparent financial partnership.

With a clear understanding of your goals and a committed plan in place, we proceed to implement the agreed-upon strategies. This phase involves making informed decisions and taking tangible steps toward achieving your financial objectives.

Our relationship doesn't end with execution; instead, we emphasize ongoing communication and review. Regular follow-ups allow us to assess progress, address any adjustments needed, and ensure that your financial plan remains aligned with your evolving needs and circumstances.

Mike is 63, Carol is 59. They are married with 3 grown children who are now starting their own families. Mike is a manager with a large corporation headquartered in the Twin Cities area and Carol is an elementary school teacher. They have been good savers, primarily through their employer retirement plans and Carol has a pension. They have paid off most of their mortgage and have no other debt. They also have some money from previous jobs that is managed by a financial advisor. However, on the rare occasion they do hear from him, he just gives them some charts and graphs that don't really answer what they really want to know; can they retire and how does it work?

As they begin thinking about the transition to retirement, possibly even a few years earlier than they initial planned, they want to make sure they can afford to do so. They aren't sure how that process looks and how to turn their retirement funds into income to live on. Medicare and Social Security are also a little overwhelming. Lastly, they've put some money in a Roth accounts and they've heard about Roth conversions, but they don't know much about it and are curious if there's something more they should be doing. Overall, they aren't real concerned with running out of money, but seek to make sure they do things right.

Dave is 45, Erin is 41. They are married with 2 school-aged kids. Dave is an engineer with a large corporation headquartered in the Twin Cities area and Erin's a nurse. They've mainly been focused on raising kids and haven't really thought much about their investments. They are realizing they have started to accumulate some real money, but they have no idea if they're doing all the things they should be doing. Where should they be putting their money? Which retirement investments should they choose?

They feel like they don't know what they don't know and if they are missing anything. They also have accounts sitting with previous employers that they aren't sure what to do with. They have never worked with an advisor and their hope is that an advisor can seek to take care of things for them and tell them what to do.

Financial literacy means being equipped with the knowledge to make smart financial decisions during every stage of your life. No matter your current priorities, a strong financial literacy foundation can help you meet your goals.

Our Total Wealth View platform enables you to see all of your assets and liabilities together in one place – whether they are held at Morgan Stanley or elsewhere. This curated view enables me to provide a comprehensive analysis on your full financial picture.

One of the hardest aspects of estate planning is just having the conversation itself. With the vast resources of Morgan Stanley, I will help you and your family establish your goals to facilitate the transfer and preservation of your wealth.

For many high net worth clients, running a family business, operating a family office or just investing as a family can create numerous challenges with a variety issues to address. A thorough, comprehensive framework is critical when planning and making decisions as an entire family.

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.

Taxes act as a drag on your investment performance that can be heavier than any fee you pay. But they might also be the easiest to reduce, with the right strategies in place. Morgan Stanley Total Tax 365 offers a full spectrum of tax-efficient solutions to help mitigate the tax drag on your portfolio—so you can keep more of what you earn and improve after-tax returns.

Through Digital Vault, you can move beyond using filing cabinets, your email inbox and a folder on your computer to save and share documents with your Morgan Stanley team. With a few clicks, you can collaborate on and upload documents from your phone, laptop or desktop. Not only will this save you time, but it will also reduce the amount of sensitive paper you're holding onto and may even decrease your risk of fraud.

With the Morgan Stanley Mobile App, you can use the mobile check deposit feature to deposit checks drawn on a U.S. bank, anytime, anywhere. With mobile check deposit, you may deposit various types of checks (with some of the highest deposit limits in the industry) into your eligible Morgan Stanley brokerage accounts.

For easy and secure online access to your tax forms, please follow these steps:

1. Log into your account via Morgan Stanley Online
2. Click the Accounts tab
3. Select the Documents tab
4. Go to the Statement drop-down tab
5. Select Tax Documents and download them

Click below to view the updated 2025 Tax Tables along with the Maximum Benefit & Contribution Limits for this year.