The RWO Group at Morgan Stanley

Professionals with a CFP^® must develop theoretical and practical financial planning knowledge by completing 2 to 3 years of comprehensive coursework at an institution of higher learning approved by the CFP^® Board. Once obtaining the CFP^® trademark, their education does not stop, as continued education is part of the recertification process.

Professionals with a CFP^® must pass the 7 hour comprehensive Certification Exam, which tests abilities to apply financial planning knowledge to real-life situations. The exam covers the financial planning process, tax planning, employee benefits, retirement planning, estate planning, Investment management and insurance.

Professionals with a CFP^® are required to complete several years of experience related to financial planning services prior to earning the right to use the CFP^® trademarks.

Professionals with a CFP^® are obligated to uphold the principles of integrity, objectivity, competence, fairness, confidentiality, professionalism, and diligence as outline in the CFP^® Board's Code of Ethics. The Rules of conduct require those who hold a CFP^® to put their client's interest first above all else.

We begin our process by working with you to establish a realistic set of objectives based on your financial goals, time horizon, liquidity needs and tolerance to volatility and risk.

Once we have a firm understanding of your objectives, we develop an investment strategy designed to help produce optimal portfolio performance: and that seek the highest potential return consistent with the strategy's level of risk.

Our goal is to construct a plan which encompasses virtually every important detail of your life. Leveraging the global resources of Morgan Stanley, we begin selecting investments to implement your personal strategy.

We meet regularly to make sure your plan remains current and to review your progress. We track your portfolio's performance relative to your stated objectives- and modify the portfolio on a discretionary basis as your needs and circumstances change overtime.

GPS is our financial planning software. It helps define what you want out of life, so we can create a financial framework to bring these goals to fruition.

When you sign up for MSO, you can conveniently and securely manage your account online or on your mobile device.

The Morgan Stanley Mobile App gives you the same capabilities as Morgan Stanley Online – all from the convenience of your own phone. It also offers features to simplify your everyday finances. These include mobile check deposit and Send Money with Zelle, a convenient way to send and receive money.

With E-Authorization, you no longer need to sign a paper Letter of Authorization (LOA) to authorize a wire transfer request.

With this service, you can view all your assets and liabilities together – whether held at Morgan Stanley or elsewhere – in one place for a comprehensive overview of your assets.

E-Delivery allows you to securely save, print, send and receive documents at any time from both Morgan Stanley Online and the Morgan Stanley Mobile App.

One of our key areas of strength is helping you prepare for and thrive in retirement. From IRAs to RMDs, we manage the complexities of your comprehensive retirement plan assets, helping you easily transition to the next phase of your life with security and confidence.

Wealth management brings all the dimensions of your life together. We listen carefully to understand the connections across your personal life, your family, your career, and your legacy goals to develop an integrated strategy that is uniquely yours.

Morgan Stanley's global network affords us the ability to offer suitable clients a wide array of alternative investments to consider – from private equities and exchange funds to hedge funds and real estate investments. Our recommendations are based on your own goals and your tolerance for investment risk.

If you have a 401(k) from a previous job, we make it easy to consolidate your assets into one account so you can monitor your progress and investment results all in one place. This helps simplify your financial life, keeps you organized and helps make your money work harder for you.

We believe it's important to consider all aspects of your finances when building your plan for the future. We offer a broad array of lending solutions that work together to complement your existing investment strategy – from flexible lines of credit and home mortgages to state-of-the-art cash management systems.

Helping meet the educational costs of children and grandchildren may be one of the most personal fulfilling investments you can make. We are here to help you develop strategies and investment recommendations that can help ensure the people in your life get the education they need to succeed.

Many of our clients share our passion and commitment for philanthropy. We work hard to support their aspirations for gifting by working to keep their charitable goals part of their financial plan. Donor advised funds are among the easiest and most tax-advantaged ways to give to charity for donors across the spectrum of wealth. A DAF is a charitable giving vehicle administered by a sponsoring organization such as MS GIFT, a 501(c)(3) public charity. DAFs are structured as 501(c)(3) organizations created with the intent of managing charitable donations on behalf of individuals, families and organizations.

Life's risks can manifest themselves in many ways – from loss of life to loss of health – and have the potential to impair the efficiency of a thoughtfully developed plan. We proactively help address these concerns in a number or ways, ranging from insurance reviews to liquidity strategies.