The Kuntz Team at Morgan Stanley

You have meaningful goals. We can help you achieve them. No matter what you want to accomplish, our focus starts and ends with you. We will assess your current financial situation, identify financial objectives, and develop a roadmap to help achieve those objectives while considering potential risks and uncertainties.

We rigorously analyze the lifestyle, tax obligations, gifting plans, and portfolio objectives of multi-generational families to develop a comprehensive financial and estate planning strategy focused on wealth preservation, tax management, asset allocation, and investment decisions. We can collaborate with your attorneys and accountants throughout our relationship.

We will devise and implement investment strategies and processes to help you meet your goals and constraints. Additionally, We will construct and manage portfolios and make informed decisions on what and when to buy and sell investments.

You’ve worked hard almost all your life, saving along the way for your retirement, which is now upon you. We can help you prepare for the market’s unknowns as you approach and enter retirement.

We offer you a variety of cash management solutions to help you manage everyday finances.

As our clients progress from their early years in the workforce through their mid-careers and head toward retirement, we will be alongside you helping to plan and mitigate risks.

We provide education on retirement funding options when you separate from an employer and we offer a seamless process to consolidate your assets.

Working with executives comes with its own unique set of challenges. When investing Morgan Stanley knows that our clients want to keep as much as they can of what they earn. We're here to help you create a strategy that can help manage the taxes paid on investments.

For your employees, retirement is more than a date in the future – it’s a milestone that takes time, hard work and the right tools to achieve. Morgan Stanley at Work provides plan sponsors with a comprehensive suite of solutions and investment experience that helps your employees maximize their potential to reach their long-term goals.

Here at Morgan Stanley, we understand the unique circumstances that arise from owning your own business. Working with us can help set you and your business up for success by helping to make smart investment decisions that can impact your business in a positive way.

Financial Planning:

Disclosures

Morgan Stanley Smith Barney LLC offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please visit us at http://www.morganstanleyindividual.com or consult with your Financial Advisor to understand these differences.


Multi-generational Families:

Disclosures

Asset Allocation does not assure a profit or protect against loss in declining financial markets.

Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or 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 and other legal matters.


Professional Portfolio Management:

Disclosures

The individuals mentioned as the Portfolio Management Team are Financial Advisors with Morgan Stanley participating in the Morgan Stanley Portfolio Management program. The Portfolio Management program is an investment program in which the client’s Financial Advisor invests the client’s assets on a discretionary basis in a range of securities. The Portfolio Management program is described in the applicable Morgan Stanley ADV Part 2, available at www.morganstanley.com/ADV or from your Financial Advisor.


Cash Management & Lending Solutions:

Disclosures

Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.

Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY

401K Rollovers:

Disclosures

When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account.

We begin with an informal conversation. This is your opportunity to learn about us, as we get to know you. We'll then schedule a more in\-depth discussion in your home or the office – whichever you prefer – and ask you to bring important financial documents.

At Morgan Stanley, Goals\-Based Wealth Management means that we aim to understand what is important to you and work together to map out a plan that can help you achieve your financial goals.

We continue the dialogue by fostering an in\-depth conversation where we learn about the values that shape your decisions, and review the information you've prepared and define your priorities.

Most of us have numerous goals, but no goal is more important than securing a comfortable retirement. It is important to look at time horizon, risk tolerance, and current savings to structure a sound retirement plan. Here are six simple steps to help you determine whether you are on track to meet your retirement needs.

Next, we review your current and future financial situation, identify any potential shortfalls and discuss the impact of unexpected life events. In this step, we may also reach out to your CPA and estate attorney to understand any existing strategies, so we can coordinate our efforts into one cohesive plan.

Taxes can be a substantial drag on investment returns. Morgan Stanley Total Tax 365 offers access to a broad range of tax\-efficient strategies to help you integrate tax planning into your investment process all year long, maximize portfolio after\-tax return potential and help keep more of what you earn.

Here, we will prepare a comprehensive financial plan that addresses your specific needs and goals. We utilize a number of financial planning tools to develop your plan, which will include investment recommendations, as well as appropriate wealth management strategies to consider.

We will manage your portfolio risk effectively with the Portfolio Risk Platform \- Powered by Aladdin. This platform offers comprehensive risk estimation and reporting for various asset classes and security types, providing an overview and detailed view to enable effective monitoring and management.

In this step, we will present your plan and explain the recommendations. Once approved by you, we begin to implement the strategies. We believe in full transparency and will keep you involved each step of the way.

Track spending habits, categorize expenses and create budgets across your Morgan Stanley and external financial accounts with our Spending and Budgeting Tool. We make it easy for you to oversee trends in your financial life.

We will oversee your progress and regularly review the performance of your plan through ongoing calls and meetings. We may recommend adjustments over time, due to changing market conditions or changes in your personal circumstances, to help keep you on track towards achieving your goals.

Intelligent Withdrawal gives us the ability to look across multiple accounts and products to identify the right combination of securities and tax lots to sell so you can help meet spending needs while making the most out of your hard\-earned money

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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.

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