The Market Street Group at Morgan Stanley

The birth of a child is a wonderful moment for all family members, including parents, grandparents, aunts, uncles, siblings, cousins, and other extended family members. As a trusted advisor to our clients, we play a critical role in assisting you in planning and preparing for the financial components that a new child introduces into your lives—everything from anticipating unexpected medical expenses to 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, ranging from executive-level employment to various levels of ownership in a variety of company operations ranging from startups to existing firms. As their Financial Advisor, we play an important role in assisting clients in navigating the complexity of business ownership, investment, and related activities such as selling, divesting, or succession planning.

With our clients, we typically encounter three major scenarios:

- Starting a business
- Funding a business
- Exiting a business

Few things are more exciting than when one of our clients decides to align their life with the person they love. Of course, there are some discussions you should have with your partner before getting married. One of the most important is about money—how you will earn, save, spend, and invest it. Furthermore, many parents (and grandparents) want to contribute to their adult child's wedding. 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 good chance of living into their mid-80s, and it's not uncommon for them to live much longer. That means you'll need to plan for a retirement that will span two decades and possibly much longer. Longer retirements are great outcomes, but they lay a significant strain on a family's resources. As your Financial Advisor, we make certain that you have a strategy in place to deal with any surprises that 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

Goals Planning System (GPS) is Morgan Stanley's own integrated planning tool. Built on the Firm's intellectual capital and capabilities, GPS is an intuitive and efficient platform used to quickly assess whether a client is "On Track" to achieving their financial goals.

There's a chance your portfolio may be at risk, but how you manage that risk is what matters.

Portfolio Risk Platform – Powered by Aladdin is a risk management platform that provides comprehensive risk estimation and reporting across a broad range of asset classes and security types. This platform provides both an overview and a detailed view to better enable risk to be effectively monitored and managed.

Building wealth is a means to an end. Taxes can eat up a significant portion of your assets upon withdrawal. This is why it's vital to look at your entire portfolio and coordinate liquidation to help reduce the impact of taxes and potentially improve investment results.

The decisions your make today can help you save for years to come. Use the resources found in the link below to help get started.

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.

Reserved Living & Giving is a tiered complimentary loyalty program that rewards Morgan Stanley's most valued clients. The program is designed to enhance your lifestyle and relationship with the firm beyond traditional wealth management services.

Safeguarding your assets and personal information is paramount to us here at Morgan Stanley. Learn about our extensive security measures and take advantage of our numerous resources and ideas that are geared towards helping you stay protected on the World Wide Web.

In a world that is now more virtual than ever, staying safe online is nothing short of paramount. Take advantage of these helpful hints on how to tell if you've been hacked.

It's important to determine how much money you may need to save for a comfortable retirement. Here are three strategies that can help you optimize your 401(k) plan.

Keeping important documents and financial records organized and readily available is one of the best gifts you can give those you love. In the event of catastrophe or serious illness, disability or death, your Family Records Organizer can immediately provide vital, timely information to both your family and professional advisors.

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.

Complete your financial picture with Total Wealth View. By linking your account information, you will benefit from more informed wealth planning, more secure data access, and convenient connectivity.

Your investments and everyday finances are always just a few clicks away with Morgan Stanley Online (MSO) and the Morgan Stanley Mobile App.