The Johnson Group

Safeguard your loved ones and assets with expert guidance and strategic foresight. Learn more and explore other estate planning video insights from Morgan Stanley here:

Understand the crucial implications and intricacies of estate and gift taxes, ensuring your assets are managed efficiently and your loved ones receive the maximum benefits. Click play for video insights from Morgan Stanley and learn more here: Morgan Stanley Smith Barney LLC ("Morgan Stanley"), its affiliates and Morgan Stanley Financial Advisors and 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, charitable giving, philanthropic planning and other legal matters.

Explore the unique considerations and implications of the Generation Skipping Transfer Tax, designed to transfer assets directly to grandchildren or future generations. Learn about tax\-efficient strategies for estate planning and explore more video insights from Morgan Stanley here: Morgan Stanley Smith Barney LLC ("Morgan Stanley"), its affiliates and Morgan Stanley Financial Advisors and 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, charitable giving, philanthropic planning and other legal matters.

Optimize your estate planning by harnessing the power of GRATs. Discover how this sophisticated tool allows you to transfer assets to beneficiaries while retaining an annuity stream. Learn about tax\-efficient strategies for estate planning and explore more video insights from Morgan Stanley here:

Explore the strategic benefits of establishing an Irrevocable Life Insurance Trust to safeguard your loved ones' financial future. Learn about tax\-efficient strategies for estate planning and explore more video insights from Morgan Stanley here: Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third‐party corporate trustee.

High\-end clients with investable assets of at least of $25 million dollars have access to our Outsourced Chief Investment Office (OCIO). The OCIO is a complete fiduciary solution for clients looking for a full\-discretion investment management model. This service facilitates the delegation of fiduciary responsibilities providing tailored portfolio solutions including: • Investment expertise • Adherence to policy statement and regulatory requirements • Portfolio construction • Disciplined execution and implementation • Sophisticated risk management techniques and methods • Investment platform access • Cost efficiencies

Even with quality coverage, a major loss or liability can be unsettling. With the cost and frequency of weather\-driven disasters on the rise, learn how to identify gaps that may expose you to unwanted financial risk.

Welcoming a child into the family is a joyous occasion for everyone—for parents, grandparents, aunts, uncles, siblings, cousins and other extended family members. As a trusted advisor to our clients, we play a critical role in helping you plan and prepare for the financial components that a new child introduces into your lives—everything from planning for the costs associated with birth, adoption or surrogacy; anticipating unexpected medical expenses; understanding gifting requirements; preparing for child care and planning for educational expenses.

Education is a major investment and expense for most of our clients—one that often requires years of careful, advanced planning. As educational costs continue to rise—from primary education through undergraduate, graduate and professional schools—we can help you approach the range of educational expenses, such as tuition, extension programs and advanced professional training, with appropriate funding strategies for your particular situations.

Many of our clients have complex business arrangements, from executive-level employment situations to various levels of investment in a multitude of business ventures—from startups to established enterprises. As their Financial Advisor, we play a critical role in helping them navigate the complexities of business ownership, investment and associated activities such as selling, divesting or planning for succession.

Typically, we encounter three primary scenarios with our clients:

• Starting a business
• Funding a business
• Exiting a business

There are few events more exciting than when our client decides to align their life with the person they love. Of course, there are conversations you should have with your partner before tying the knot. One of the most important is about money—how you will make it, save it, spend it and invest it. In addition, helping fund an adult child's wedding is a goal for many parents (and grandparents). As your Financial Advisor, we can play an important role in helping you plan for these milestones and guiding your conversations.

Today's 65-year-olds have a high likelihood of living until their mid-80s, and it's not uncommon anymore to reach substantially beyond that. That means you need to plan for a retirement that will span two decades and potentially much more. Longer retirements are great outcomes, but also place a great deal of stress on a household's finances. As your Financial Advisor, we make sure to put a plan in place so that you are able to take on any curveball retirement may throw at you.

Health care costs are rising—especially for retirees, and many will need long-term care. Learn the moves you can make to help prepare yourself.

Dealing with death is never easy. Aside from coping with the loss of a loved one, legal matters also require immediate attention, including administration of the estate. Though it may be hard for individuals to talk about estate planning because of the heartache, addressing it promptly is crucial to saving both time and money, and to minimizing family conflict or confusion. Passing away without a will, known as intestacy, means the state determines how the deceased's assets will be distributed, and this may not be consistent with the family's wishes. Proceedings can also be painful and costly for the family.

We believe that is better to plan ahead to ensure that your wishes and your will are followed. A proactive approach to estate planning as a family is better than a reactive one.