|
| | | | | Let financial planning help you reach your goals | | |
A good financial, comprehensive, plan shows where you are today and compares it to where you want to be. It helps you utilize your resources more effectively -- identifying potential shortfalls and surpluses -- and it helps you develop strategies for reaching your multiple planning goals.
Financial planning can serve as a solid foundation as you look to the future, facing, for instance, the effect of inflation on your retirement savings, the rising cost of education, market uncertainties and changing tax laws.
When one of our Financial Advisors helps you formulate your financial plan, no products or services are mentioned. You get just personalized guidance and valuable financial information.
You then decide when and how to proceed.
And your Financial Advisor can analyze your goals, timeframes and tolerance for investment risk and discuss how you might update your plans as your circumstances, needs and goals change. This can help you stay on top and on track.
A Morgan Stanley Smith Barney Financial Advisor will prepare a financial plan at your specific request through Morgan Stanley Financial OutlookSM. During this preparation process, you and Morgan Stanley Smith Barney will have an investment advisory relationship with respect to the financial plan. This provides you with greater rights and us with greater obligations than those provided in a brokerage relationship. Upon delivery to you of the completed financial plan, the investment advisory relationship created by the financial plan will terminate. You may choose to implement your financial plan at Morgan Stanley Smith Barney or elsewhere. If you implement at Morgan Stanley Smith Barney, we will act as your broker unless you expressly choose to implement in one or more of our advisory accounts.
|
|
