Scott D. James - Graystone Financial Advisor

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Scott D. James

Graystone Consulting

Second Vice President - Investments
Retirement Plan Consultant
Financial Planning Specialist

33 E. Main Street
Suite 700
Madison, WI 53703

tel: 608-283-2340
toll free: 800-383-8334
fax: 608-283-2348

Email Me

Staff

At Graystone we offer our clients full-service advantages, including a dedicated support staff ready to assist you and your account servicing needs.

Lauren Kelly

Registered Client Service Associate

tel: 608-283-2321

fax: 608-283-2348

lauren.kelly@morganstanleygraystone.com

Natasha Augustine

Consulting Group Analyst

tel: 608-283-2320

fax: 608-283-2348

natasha.augustine@morganstanleygraystone.com

Ariana Neuner

Client Service Associate

tel: 608-283-2326

fax: 608-283-2348

ariana.neuner@morganstanleygraystone.com

This information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.

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.

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Lifestyle Review

Family Records Organizer

Beneficiary Review

Retirement Account Assessment

Your Retirement Income Plan

Risk Review

Pension Election

Social Security Benefits

Medicare Options

Retirement Analysis

LIFESTYLE REVIEW

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.

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.

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.

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.

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?

When should you apply for Medicare? Which programs are best for you? How can you avoid potential penalties?

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.

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