The Vise Group at Morgan Stanley

We begin our process by discussing what is important for you, your family, and your legacy. We'll then work to identify any circumstances which are unique to your personal situation. After we've established your objectives, I'll provide you with an overview of important investment concepts and our investment philosophy as it pertains to your objectives.

After your goals and objectives have been established, we begin our data collection stage. At this point I will work with you to gather financial statements, relevant outside data, and, if applicable, your business balance sheet. Using the information we uncover, we will analyze your current asset allocation strategy and provide our draft(s) of your financial plan- leveraged through Morgan Stanley's proprietary data, insights, and financial tools.

Disclosures:
Asset allocation and diversification do not guarantee a profit or protect against a loss in a declining financial market.

Based on our initial conversation, I will develop a tailored and cohesive financial plan designed to balance your attitudes as an investor, risks and opportunities in your profile, and an analysis of the financial markets. With your input, I will then present appropriate investment options and wealth management recommendations that work in tandem to help seek to preserve and grow your wealth.

Upon your approval, I will work diligently to help ensure a seamless implementation of the various elements of your financial plan, finetuning each part to adjust for changing circumstances. Wherever appropriate, I will consult with other professional individuals in your dedicated circle and suggest that you seek additional advice from subject matter experts on particularly complex issues.

I am committed to keeping you abreast of any changing market conditions and delivering performance metrics, ultimately seeking to help ensure that your plan continues to align with your goals and your timeline. I work with a select number of clients, allowing for a high degree of communication with you to help ensure that your concerns and requests are being addressed in a timely manner.

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

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

While planning is key to building wealth, unexpected events – both positive and negative – can have an impact on progress toward your financial goals. It's important for you to prepare as best as you can and build flexibility into your plan so you can pivot when life circumstances change.

• Market Events
• Calamities & Natural Disasters
• Illness
• Death

Morgan Stanley Online (MSO) has a variety of features beyond viewing your account balance and activity that you should take advantage of. They include:
- eAuthorizations, an enhanced way to authorize transactions with one click on MSO & the MS Mobile App.
- eDelivery, which reduces paper documents sent by mail and offers additional protect of your personal information
- Managing your everyday finances such as paying bills online, sending money or transferring funds.

At Morgan Stanley, 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.

We've launched a new tool that allows you to link information from your accounts at other financial institutions directly to your MSO or MS Mobile App profile.

Completing your financial picture with Total Wealth View gives our clients the benefit of more informed wealth planning, more secure data access, and convenient connectivity.

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 a holistic view to better enable risk to be effectively monitored and managed.

Our Goals Planning System is built on Morgan Stanley's intellectual capital and capabilities, to provide our clients with comprehensive investing and planning solutions for their individual goals.

The Digital Vault on Morgan Stanley Online and the Mobile App allows clients and their families to build a central, shared document library where all documents are stored using encryption. In the event of catastrophe or serious illness, disability or death, the Digital Vault can immediately provide vital, timely information to both your family and professional advisors.

Retirement Planning is a core component of wealth management. Certain steps should be taken to prepare for a wide range of future costs such as living expenses, travel costs, and education funding. We can assist clients with this planning by quantifying financial needs, creating an action plan, and tracking plan progress.

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.

The right insurance products protect assets, family, and legacy. Morgan Stanley offers a variety of insurance products: life, disability income, and long term care. We can have discussions about purchasing life or long-term care insurance to preserve client savings and manage the high costs that can occur at any point during retirement.

Taxes are a crucial part of the planning conversation and can potentially represent a large outflow from a client's portfolio each year. Morgan Stanley offers Tax Protection solutions and other strategies that can help us prepare a client to manage tax liabilities and preserve their wealth.

Well-constructed estate plans mitigate substantial tax and legal burdens, time delays in settlements, and in some cases, family conflicts. It is important to pre-emptively create and review an estate plan during major life events such as a marriage, divorce, or new births. Changes in both federal and state tax laws can also have lasting effects on estate planning as well.

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