Tracy Duckworth

I begin with an in-depth conversation where I listen carefully to understand what is important to you and your family. Utilizing the process defined by the Certified Financial Planner Board of Standards, I ask specific questions about your previous investment experience and the values that shape your decisions and identify any special challenges and circumstances for your personal situation.

In this step, I will request specific financial information and statements to help me better understand your current financial picture in detail. I will also work to formally define and articulate your top goals and priorities for both the short- and long-term.

Next, I review your current and future financial situation, identify any potential shortfalls and discuss the impact of unexpected life events. In this step, I may also reach out to your CPA and estate attorney to understand your existing tax and estate plans so we can coordinate our efforts into one comprehensive plan.

Here, I prepare a comprehensive financial plan that addresses your specific needs and goals. I utilize various financial planning tools to develop a personalized strategy that not only includes investment and asset allocation recommendations, but incorporates important risk management strategies, as well as estate, trust and philanthropic solutions.

In this step, I formally present your personalized financial plan in detail and explain why I am recommending each strategy. I'll then refine your plan based on our discussion. Once approved by you, I'll begin to implement the strategies together. I believe in full transparency and will keep you involved each step of the way.

I oversee your progress and review the performance of your plan through ongoing calls and meetings. I may recommend adjustments over time, due to changing market conditions or changes in your personal circumstances, to keep you on track towards achieving your goals.

A retirement income strategy should be built around your lifestyle needs, spending priorities, and long-term objectives. Together, we can evaluate sources of income, portfolio structure, and potential risks that may affect your plan over time.

Markets change, and retirement plans should be built with flexibility in mind. I work with clients to help them understand risk, evaluate their investment allocation, and make thoughtful adjustments as circumstances evolve.

Living longer can be a gift, but it also requires planning. We can discuss factors such as healthcare expenses, long-term care considerations, and maintaining financial flexibility throughout retirement.

For many clients, retirement planning includes thinking beyond their own needs. I can help coordinate conversations around wealth transfer, charitable giving, and family priorities, working alongside tax and legal professionals as appropriate.

Investment decisions may have tax implications. I help clients evaluate strategies that seek to balance investment objectives, risk tolerance, and after-tax considerations.

For retirees and pre-retirees, the order and timing of withdrawals from different account types can matter. I can help clients evaluate retirement income strategies in the context of their broader financial picture.

For clients who are charitably inclined, planning ahead may help align giving with family values, philanthropic goals, and broader wealth planning objectives.

Wealth planning often works best when key professionals are aligned. I can collaborate with your CPA, attorney, and other advisors to help ensure your financial plan reflects a coordinated approach.

The Morgan Stanley Global Investment Office provides you with world-class thought leadership timely market commentary, and portfolio ideas to help guide your investment decisions.

Our Investing with Impact platform has designed a proprietary process to identify your impact priorities and match them with one of our 360+ investment strategies or customizable portfolio solutions across asset classes, to tailor your portfolio and monitor both financial and impact results over time.

Many of today's companies stay private longer, with more of their valuation being created before they become publicly traded. Morgan Stanley Private Markets connects a broad network of potential private investors in an accessible ecosystem, allowing eligible clients to buy and sell securities of private companies.

An integrated organization across fixed income, equities, and structured investments leveraging the thought leadership of Morgan Stanley Research and dedicated product specialists to identify key investment opportunities to help enhance the growth potential of diversified portfolios.