The Reckinger Loynes Group at Morgan Stanley

Our first step, we begin with an informal conversation to understand your personal & financial concerns and determine how we can add value. In our meeting we will discuss your financial objective in the both short term and long term, your risk tolerance, investment preferences, and liquidity needs. If you agree to move forward, we'll schedule our next meeting and request important financial information. These may include documents like your W2, Tax Returns, Income Statements, Investment Account Statements, Existing Insurance Policies, and Debt Records.

It is important for us to analyze your current financial status to get a clear picture. Information we are able to extract in the previous step include: income, expenses, assets, liabilities, net worth, and cash flow; Utilizing these information we can assess if your investment portfolio's performance & alignment matches your goals. We also analyze if you have sufficient insurance coverage for your estate's needs.

We are here to make your money work for you. You have goals that need to be achieved, and we are here to plan for you. Whether your goal is to retire extremely comfortably, own a large home, or fund your children and grandchildren's future education, it is our responsibility to create a financial plan for you.

We create tailored strategies for you to achieve your goal, and weave all strategies created into a comprehensive all-encompassing financial plan. The strategies we create are aligned with your risk tolerance, tax efficient retirement, saving and budgeting plans, and take into full consideration of your debt and necessary management strategies. These are all compiled into a formal plan with a clear structure, timelines, and benchmark for progress. Furthermore, we create contingency plans and outline potential risk you may face.

The financial plan will be present to you and a in-depth explanation given so you can understand everything from A-Z. If you have any concerns, feedback or disagreement, those will be addressed and a revised plan based on your input will be presented to you. If you are happy, the plan will be put into action and we will coordinate with other professionals such as accountants, and lawyers.

1. Set up regular check-in meetings at your pace. (E.g. Quarterly, Semi Annual, Annual)
2. Review your financial situation and goals periodically.
3. Adjust the financial plan based on changes your life, financial markets, or laws.
4. Provide you regular updates on performance and market conditions.
5. Be available for any questions or concerns.
6. Provide ongoing education about financial topics relevant to you.

Morgan Stanley Online allows you to seamlessly and securely manage your investments and everyday finances in one place.

Our detailed views on the economy, US and global equities, fixed income, and monetary policy.

Digital Vault lets you easily and securely manage and share important documents such as account statements, authorizations, tax filings and other relevant documents with your Financial Advisor.

Insights on personal finance, market trends, sustainability, technology, and disruption.

This helpful document provides the 2025 tax rate schedule, standard deductions and personal exemption, gift and estate tax exclusions, retirement contribution and deduction limits, etc.

Morgan Stanley's Chief Equity Strategist's perspectives and thoughts on long term macro economic and financial trends.

10b5-1 plans allow officers and insiders with equity compensation to establish a trading plan that will schedule and automatically sell their company stock in the future.

Historical data on stock market returns and volatility plus insights on investing early and staying the course.

Within Morgan Stanley Online you can link and view your non-Morgan Stanley accounts plus analyze your assets, allocation, and cash flow in one location.

A tax-efficient way to donate low cost basis stock and maintain control over the amounts and timing of your charitable contributions.

An estate plan outlines how to title your assets and distribute your assets during and after your life. You identify beneficiaries in an estate plan and specify whether to transfer assets to them with or without restrictions. It's good to review your estate plan periodically and after life changes such as a marriage, divorce or a family birth. We can connect you with estate planning specialists who can help you create a thoughtful tax efficient estate plan.

The beneficial tax treatment of Qualified Small Business Stock ("QSBS") under the Internal Revenue Code is meant to encourage investment in start-up companies and, in turn, attract the financial and intellectual capital essential to fostering scientific and technological innovation. This benefit allows shareholders to exclude from income a portion of capital gains on the sale of their interest in qualifying business entities, provided they meet certain requirements.

Our first session was an introduction to personal finance with a focus on beginning to build a strong financial foundation. We discussed goal setting, cash flow, budgeting and saving strategies and the power of compounding interest.

Our second session was aimed at empowering you with essential knowledge on credit and debt management so you can understand how to establish credit, understand credit history, demystify credit scores and navigate the world of lending in order to make informed decisions about your financial future.

Our third session of this series explored the skills that are important to safeguard your online identity and assets, from common cyber threats to learning best practices for secure online transactions. This session will covered practical strategies to stay safe in today's digital landscape.

Our fourth session will dive into the fundamentals of investing, from understanding market dynamics, defining asset classes such as stocks and bonds and other investment vehicles, as well as discussing asset allocation and diversification, this session will provide valuable insights to kickstart your investment journey.

This session dove into the world of Philanthropy and Impact Investing! We explored creating positive economic, social and environmental impact by leveraging charitable giving alongside a socially responsible investment portfolio.

This session featured Dr. Kim Henderson, Head of Wealth Management Health & Wellness Education who provided us with insights into managing healthcare, investing in preventative care, and cultivating healthy habits that could lead to long- term prosperity.

This session was focused on the fundamentals of estate planning, a strategy designed to help protect, manage and distribute assets both during and after your lifetime. This session will feature our in-house experienced professionals that will speak about preserving your legacy while ensuring the well-being of your loved ones to leave a lasting impact.

If you are an aspiring entrepreneur, this session will teach you the essential steps to take when launching your own business, from concept to execution. Discover the importance of building a reliable team and implementing robust business structures for long term success.

Join us to navigate the ins and outs of career paths, digital branding and networking essentials. Whether you're starting your career or looking to pivot, this session will equip you with the tools and strategies needed to thrive in today's competitive landscape.

Learn about the financial markets and investing including understanding the roles of buyers and sellers, market motivations, the need for a strategic approach to investing, investment indices, the concept of market cycles, and how time impacts investments.