James A. Pupillo - Brian L. Hein - James G. Cooper - Alan D. Klibanoff - Tyson W. Kelley - David Brasfield - Graystone Financial Advisors

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Spectrum Institutional Consulting
at Graystone Consulting

6710 North Scottsdale Rd.
Suite 250
Scottsdale, AZ 85253

tel: 480-368-6515
toll free: 800-727-4888 ext. 6515
fax: 480-368-6622

Email Us

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Smith Barney Access connects you to your investments. Visit us at www.smithbarney.com. You can view your portfolio, read news and research, keep a watch list, learn more about investing, take advantage of online tools and calculators, enter trades online, use our free electronic bill pay service and more. Here are some of our favorite places on Smith Barney Access.

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.

Investment Management Consultants Association, Inc. owns the marks CIMA®, Certified Investment Management Analyst (with graph element)®, and Certified Investment Management Analyst.

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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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