The Regan Group at Morgan Stanley

While following a budget might seem limiting, when used as a guide, it can be incredibly empowering. Having a good understanding of your monthly saving and spending habits helps you make smart financial decisions that can position you for success in the long run.

Learn why investors should keep an eye on policy actions and on potential for higher interest rates and inflation.

Keeping a stash of cash on hand in case of an emergency is essential. The problem is that too few people actually create a dedicated emergency fund. Here are six steps to help create an emergency fund.

As your children grow into young adults, you can help them learn how to manage their own finances. Here’s how to go about it.

You’ve prepared your child for academic success, the SATs, college interviews and even the dorm-room essentials for move-in day of freshman year. Yet two months into the semester, while visiting during parents’ weekend, you discover a credit-card bill tucked in among the course books on his desk that makes your blood run cold. How does anyone rack up a balance that large in a few months?

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.

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.

The Regan Group at Morgan Stanley is pleased to share that we have been included in the 2025 Forbes Best-In-State Wealth Management team ranking. Selection for this list is based on comprehensive criteria, including firm nomination, industry experience and best practices.

Forbes Best-In-State Wealth Management Teams Source: Forbes (Awarded Jan 2025) Data compiled by SHOOK Research LLC based for the period 3/31/23-3/31/24.

The CRPC^® designation provides a course of study encompassing pre-and post-retirement needs, asset management, estate planning and the entire retirement planning process using models and techniques from real client situations.

Tia Regan received the CRPC designation.

Five Star Professional, as a third party research firm, identified pre-qualified award candidates based on industry data and contacted all identified broker dealers, Registered Investment Advisor firms and FINRA-registered representatives to gather wealth manager nominations. Self-nominations are not accepted. Award candidates are then evaluated against 10 objective eligibility and evaluation criteria associated with wealth managers who must have a minimum of five years' experience as an investment adviser representative or other accepted credentials, client retention rates, client assets administered, firm review and a favorable regulatory and complaint history as defined by Five Star. Five Star Professional determines the final list of Five Star Wealth Manager Award winners. The Award does not evaluate the quality of services furnished to clients and it is possible that the recipient may have received unfavorable ratings from those surveyed. Five Star Professional collected the information for this Award through surveys it conducted. For more information on the Five Star award and the research/selection methodology, go to fivestarprofessional.com.

Thomas Regan was named a 2025 Five Star Professional Wealth Manager. This is the thirteenth consecutive time that Thomas has achieved this award.

Tia Regan was named a 2025 Five Star Professional Wealth Manager. This is the twelfth consecutive time that Tia has achieved this award.


2013-2025 Five Star Wealth Manager Award
Source: fivestarprofessional.com (Awarded 2014-2024) These awards were determined through an evaluation process conducted by Five Star Professional, based on objective criteria, during the following periods:

2025 - 3/13/24 - 10/7/24
2024 - 4/10/23 - 10/31/23
2023 - 5/23/22 - 1/6/23
2022 - 5/24/21 - 11/19/21
2021 - 5/25/20 - 11/30/20
2020 - 4/1/19 - 12/13/19
2019 - 4/18/18 - 11/6/18
2018 - 3/23/17 - 11/10/17
2017 - 3/26/16 - 11/23/16
2016 - 5/18/15 - 11/6/15
2015 - 5/18/14 - 11/6/14
2014 - 5/18/13 - 11/6/13
2013 - 4/15/12 - 10/16/12

Digital technology is centered on how people communicate, consume, transact and travel. Our comprehensive suite of digital tools are designed to help enhance every aspect of your financial life. Here are a few of the technologies we have to offer our clients.

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.

The Digital Vault on Morgan Stanley Online and the Mobile App allows you and your clients to build a central, shared document library where all documents are stored using encryption.

eAuthorization allows clients to electronically authorize domestic and international, one-time/recurring transactions through Morgan Stanley Online and the Morgan Stanley Mobile App.

- Fast: Clients can quickly authorize any transaction with one click.
- Convenient: Clients manage their authorizations from anywhere using Morgan Stanley Online or Morgan Stanley Mobile.
- Secure: By using a secure login, eAuthorizations are safely made through online and the mobile application.
- Simple: The branch receives the client’s request, inputs the transaction, the client approves the request, and the transaction is executed.

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.

Currently, documents available through eDelivery include statements, trade confirmations and prospectuses, general correspondence, selected Internal Revenue Service (IRS) approved tax documents, syndicate offerings, shareholder communications, and portfolio reports.

eSign is a digital, paperless alternative to the traditional means of obtaining signatures from clients on paperwork.

There is no registration process for you to begin using eSign — all you need is a valid email address and phone number.

The eSign Portal allows branch personnel to create and send forms to clients for their electronic signature, track the status of packages that have been sent, and take action on forms that clients have signed electronically and returned.

Our highest priority is keeping your information protected. Morgan Stanley dedicates significant resources to protecting your assets and personal information.

-Strong encryption protocols designed to protect your data.
- Continuous monitoring to help detect and prevent fraud.
- Routine testing of our systems and security protocols.
- Independent review by outside security firms.