We believe success in achieving important financial goals starts with a comprehensive wealth strategy. We will help you define what is most important to you and then formulate the strategies that are suited for your needs, whether you are accumulating wealth or investing for income, solidifying your retirement plan or devising a distribution approach that meets your lifestyle and legacy goals.
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For a FREE Retirement Planning Analysis, complete the Retirement Questionnaire available in Financial Planning and return it to my attention.
If you are considering upgrading your company's retirement plan, see Products & Service Brochures for some timely information.
If you are considering starting or upgrading your retirement plan for your business, see brochures for some timely information.
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Everything starts with an understanding of how you want to live and what you need to live that way.
Investments alone aren't enough when it comes to preparing for retirement. As a retirement focused advisor at Morgan Stanley Smith Barney we offer a level of experience and commitment to retirement advice that we think is unique in the industry. Our thorough process encompasses ten elements that are key to a successful plan.
Morgan Stanley Smith Barney LLC and its affiliates do not provide tax or legal advice. To the extent that this material or any attachment concerns tax matters, it is not intended to be used and cannot be used by a taxpayer for the purpose of avoiding penalties that may be imposed by law. Any such taxpayer should seek advice based on the taxpayer's particular circumstances from an independent tax advisor.
Lifestyle Review
Everything starts with an understanding of how you want to live and what you need to live that way.
FAMILY RECORDS ORGANIZER
You want to be sure you can lay your hands on all your critical documents—health care proxies, powers of
attorney, wills, trusts, etc.—when you need them.
BENEFICIARY REVIEW
Having everything together makes it easy to ensure that you have the right beneficiary named on each
of your accounts and policies. Your Advisor can explain how beneficiary designations may be able to help
you minimize estate taxes.
RETIREMENT ACCOUNT ASSESSMENT
Managed properly, your 401(k) and IRA accounts can be powerful tools to help maximize retirement savings.
YOUR RETIREMENT INCOME PLAN
A key step is to figure out where your retirement "paycheck" will come from. You want to be sure that the
income from your investments, pensions and Social Security will meet your needs.
RISK REVIEW
Some things can jeopardize your retirement plans, including longevity, litigation, health care and long-term care
needs. Identifying these risks is the first step in protecting against them.
PENSION ELECTION
Figuring out what pension payout option makes the most sense for you can be a daunting project. We''ll help you
make sense of your choices.
SOCIAL SECURITY BENEFITS
Should you start collecting Social Security benefits at age 62? Or 65? How will your decision impact your
spouse''s Social Security benefits?
MEDICARE OPTIONS
When should you apply for Medicare? Which programs are best for you? How can you avoid potential penalties?
RETIREMENT ANALYSIS
As part of our ongoing commitment, we''ll schedule time to review your comprehensive retirement plan and
make sure it stays current with developments in your life.
