The Stokes Gerace Group at Morgan Stanley

We'll help you understand the fundamentals of finance and put your resources to work so you can plan, invest and ultimately transition to retirement with confidence.

• Retirement "What If" Scenarios
• College (529) Funding Analysis
• Income & Cashflow Planning

No matter what your philanthropic ambitions, a Financial Advisor can help you translate good intentions into an impactful strategy by utilizing a variety of trusts, charitable vehicles and wealth management tools.

• Donor Advised Funds
• Charitable Remainder Trusts
• IRA Qualified Charitable Distribution

Guiding high-net-worth families with legacy planning and collaborating with external tax & legal advisors to execute estate planning strategies and integrate investment solutions.

• Asset Titling & Estate Distribution
• Wealth Transfer Strategies: Annual Gifting, Gift & Estate Exemption, Generation Skipping Transfers
• Trust Planning: ILITs, GRATs, SLATs, IDGTs, Dynasty Trusts, Special Needs Trusts

The by-product of a successful career is often a concentrated position in your company stock – representing a significant portion of your personal net worth and a high level of complexity. We help clients understand their equity compensation and manage their concentrated stock positions.

• Compensation Review: RSUs, NQ & ISO Options
• AMT & Tax Management Strategies
• Managing Concentrated Stock
• Restricted Stock: Rule 144 Guidance, 10b5-1 Plans

Helping business owners with key strategic needs such as access to capital, plan administration and a variety of exit strategies.

• Cash Management & Capital
• Succession & Exit Planning
• Tax & Liquidity Strategies
• Intra-Family Transfer Techniques

A comprehensive wealth management plan often includes prudent borrowing to compliment your investment portfolio. Our lending services can help provide the necessary funding and flexibility as you manage potential opportunities or liquidity needs.

• Securities-Based Lending
• Home Loans

A sound wealth plan requires more than seeking returns. It involves mitigating and managing risks to help protect you when the unexpected occurs. Insurance, as part of your overall wealth plan, can help you get closer to achieving your retirement and legacy planning goals.

• Life Insurance Review
• Long-Term Care Planning
• Creditor Protection

Armed with a college degree and a blank state, your future awaits. Exciting new adventures and challenges are on the horizon. To help ensure you're prepared for what's ahead, it's important to understand how your financial decisions today can impact your opportunities tomorrow.

Beginning your career can be both exciting and nerve-wracking. A crucial first step is determining which career path is right for you. Beyond that, you'll want to be up to speed on various topics like professionalism, productivity and payroll.

Saving is more than simply putting money aside: It's a practice, a philosophy, and a tool for accumulating wealth, reaching your goals, and most importantly, achieving financial freedom. Saving is not just about retirement, it's about creating a plan to help finance your goals and dreams and the earlier you start, the better.

Creating an investment strategy that incorporates your lifestyle goals and tolerance for risk is essential. Setting clear goals for the short-term, long-term, and everything in between will help you decide what trade-offs you are willing to make to prepare for the important milestones ahead.

Building a business from scratch can be a lot harder and riskier than some may think, but if you are able to align your profession with your passions, it can be well worth it. The key to making your entrepreneurial dream a reality is having a clear understanding of the value your business will create, a solid plan for delivering that value, and the perseverance to see it through.

Understanding expectations, setting common goals and mapping out life as a couple are key tenants of any health relationship, especially when two financial lives become one. As a unit it's important to share everything, from money values to credit histories.

This exciting moment in your life comes with significant financial and lifestyle implications. Before taking the leap it's important to evaluate all factors before signing on the dotted line. Next-Gen clients may be able to leverage their family's relationship with Morgan Stanley to help break into this tough market. Let us know if you are thinking about buying a home and we can discuss all potential options.

It's important to anticipate what to expect before you're expecting. Your monthly expenses are going to change now that you have an additional mouth to feed, and for some this might also coincide with a temporary—or more permanent—decrease in household income. By mapping out your baby budget in advance, you can help ease anxiety about counting diaper costs.

Direct indexing seeks to replicate a well-established index through direct ownership of securities, enabling customization, tax efficiency and tax-loss harvesting. It combines diversification with a potential boost to your after-tax returns, often referred to as "tax alpha".

Taking profits seems like the best part of investing, but taxes can add up. Our Intelligent Withdrawals tool helps investors tap their portfolios in the most tax efficient ways.

While many investors tend to focus on tax-loss harvesting toward year end, it's a strategy that can help you year-round. Tax-loss harvesting enables you to realize or "harvest" losses to offset capital gains elsewhere.

Smart tax planning can help you save more for retirement and keep more of what you've already saved. Consider these tax-efficient retirement planning strategies.

Many of us prefer to combine our support for the causes and people we care about with a desire to save on taxes. Fortunately, there are strategies that may help us accomplish both. Whether you want to donate to charity or invest in a loved-one's future, consider these tax‐smart ways to help make your giving go further.

There's more to charitable giving than you may realize. Here's one method that provides flexibility and can help maximize your impact.

This helpful resource outlines the 2024 tax rate schedule, education and health savings account limits, retirement contribution and deduction limits, among other information.

Your IRS Form 1040 can reveal important information about your personal finances and uncover potential opportunities for future savings. See below for six questions to ask yourself to potentially reduce your tax bill.

Managing an investment portfolio should be a consultative, disciplined process that balances your attitudes about investing with careful analysis of the financial markets. Working together, we create a customized strategy that applies long-held investment principles to help your assets appreciate appropriately or generate cash-flow or income as you require.

Our team aims to provide your 401(k) or 403(b) plan committee with the necessary support to manage a successful retirement plan or executive deferred compensation plans. We offer a range of advisory services, including but not limited to: plan review for fees, performance & service, monitoring of investment fund performance, safe harbor plan design, participant retirement readiness education, acting as a 3(21) or 3(38) fiduciary, and overall guidance on investment policy statements.

The key to determining which trust, tax and estate strategies to execute is to understand the interplay of personal and exogenous factors. Liquidity events such as an initial public offering or a merger or acquisition may provide income and estate planning opportunities. Liquidity events also magnify the need to put in place or update certain essential estate planning documents.

Our team can help law firms invest in instruments for Qualified Settlement Funds (QSF), including those backed by the full faith and credit of the United States government or fully insured by the United States government or one of its agencies. This includes a U.S. Treasury money market fund or a bank account insured by the Federal Deposit Insurance Corporation (FDIC) up to the guaranteed FDIC limit.

Your family is unlike any other we have ever served. You may, however, share many of the same questions, challenges and opportunities. We look forward to learning more about you and your family, and discussing how we can help you safeguard what you have earned and pursue your most important life goals. We deliver an exceptionally attentive level of service and dedicate ourselves to finding solutions to the challenges our clients face, even those challenges that fall well outside the traditional role of wealth managers.

Our team provides separately managed customized solutions for a variety of institutions including private and public corporations, non-profits, endowments, foundations and others. We think of ourselves as an extension of our clients' treasury department, providing a comprehensive hands-on service approach that includes strategy, investment management, and regulatory reporting. Our customized investment strategies are structured according to your organization's unique liquidity profile.

As a client, you will access a suite of cash management solutions as a competitive alternative to a traditional bank. Through your Morgan Stanley Active Assets Account or CashPlus Brokerage Account, you can access a full suite of Cash Management Solutions to help you manage your everyday finances. Additionally, we can provide qualified clients with financing solutions for almost any personal or business need using the eligible securities in your brokerage account as collateral for a flexible line of credit.

Leading up to and through retirement, we will work together to identify the most suitable investments for securing your financial future and legacy. By monitoring and updating this plan throughout your life, we help ensure that you have the income and resources to live out the lifestyle you envision, while accounting for the unexpected.

Believing that philanthropy must be more than checkbook writing, involved and engaged donors want to feel a connection and offer advice and input above and beyond money. Perhaps you want to use philanthropy to instill values in your children, or you want to apply your business acumen to philanthropy. Maybe it is the grassroots-type of organizations that inspire you. Holding philanthropic conversations with our team and your family to discuss values, motivations, visions and to develop a mission statement is an effective step to achieving long term philanthropic engagement. Deciding on what level of visibility you want, what type of program to support and how long you envision your involvement to last, are your matters that matter to us.

Committees and administrators are faced with the complex task of developing appropriate investment policy statements, understanding how to assess performance, and finding superior fund managers. We help you and your investment committee reduce risk and increase returns, so you can preserve principal and generate income to be used for your philanthropic endeavors.

As the administrator of your company's equity compensation plan, we pride ourselves on helping you manage your awards effectively. We are here to provide easy access to your account, answer questions about your awards and handle your transactions accurately and conveniently. We help build financial confidence through insightful advice, thoughtful education and cutting-edge technology across a suite of workplace solutions

Too often, members of rising generations spend decades in silence. Having a mechanism in place such as a family mission statement, a family constitution or an investment policy statement can offer critical parameters and guidelines to make decisions as a collective. We work with you to find your way to becoming your own generation, with your own voice.