Nicholas Westendorf, Financial Advisor at Morgan Stanley

Markets are surging just as earnings may have peaked

We now find that 85% of individual investors are interested in sustainable investing. Among millennials, the interest is even stronger. Learn more from Courtney Thompson in a Morgan Stanley Minute.

See if the amount you’re saving and investing is on pace with the money you’ll need to retire. Find out more here:

Financial literacy means being empowered with the knowledge to make smart financial decisions during every stage of your life. Let’s discuss how I can help:

High valuations and higher interest rates should limit 2021 upside in the S&P

Inflation is the key to the secular bull market for stocks and secular bear market for bonds. The shift in policy from monetary to fiscal dominance is a significant change that may have big implications. Here's why:

Tomorrow is 529 Day! With a 529 plan you can invest in your child’s future and maximize education savings. Let's work together to keep you on track with your education goals.

Bjarne Stroustrup created C++ as a versatile tool that wouldn’t just meet his immediate needs as an engineer, but could also be endlessly adapted for other applications. Here’s the Secret Engine of Everything in a Morgan Stanley Minute.

While you may see me as your trusted Financial Advisor for your investment needs, you may not realize all the other ways I can help you reach your goals. Let’s set up some time to discuss.

More gender-diverse companies experienced 3.1% higher average relative returns. Let’s talk about impact investing and the connection between gender diversity and investing returns.

No surprise that finances are a leading source of stress for employees. Luckily, says Jed Finn, there’s something employers can do about it.

Figuring out the amount of risk you’re taking across multiple accounts can be a real pain. Morgan Stanley’s award-winning Portfolio Risk Platform can help provide a holistic view into the risk of all your accounts. Learn more.

Markets may already reflect the speed and scope of the recovery. Read more in On the Markets:

Tax efficiency makes a big difference. Let’s talk before year-end.

Are you considering giving to charity during the holidays? A donor advised fund allows you to donate in an easy, tax-advantaged way without feeling rushed into a decision about which charities to support before year-end.

MS & Co. CIO Mike Wilson believes we should remain bullish long term due to improving economic data and positive earnings revisions, which support his expectations for a V-Shaped recovery. Learn more.

While there is near-term risk of a pullback, CIO Mike Wilson sees a 10% gain for the S&P 500 in 2021. See why in On the Markets:

End-of-year giving may help lower your tax bill and is one more reason you can feel good about giving on Giving Tuesday.

Tax-smart investing can help you lower your tax burden and increase your long-term wealth. Here are some year-end tax management strategies to consider.

A unique feature of 529 plans to be aware of as we approach year-end: you may be able to contribute up to five times the annual gift tax exclusion in one yearas much as $75,000 (or $150,000 for married couples). Learn more.

MS & Co. CIO Mike Wilson believes we're in a new cyclical bull market in the context of a long-term secular bull market. Learn more:

Integrating gender-related criteria into your portfolio is getting easier, as investment options proliferate. Learn how gender-themed investing can avoid equality laggards, seek out leaders and invest in companies whose products improve the lives of women.

There are so many organizations that honor veterans’ service to our country. For Veterans Day, consider these suggestions for how you can maximize your impact:

Even with outstanding insurance coverage, there are still hidden risks you may not see coming. Learn more about how a simple risk assessment can go a long way in closing any coverage gaps and help you avoid major loss or liability.

Checking in on the state of your parents’ estate isn’t easy. Let’s connect to start the estate planning strategy process with your family.

The current environment may provide a backdrop that is favorable to gold. Here's why:

The end of the year will be here before you know it. Learn the money moves you can make this Fall to help set yourself up for 2021.

You still have time to make some money moves before the end of the year. Read about what steps we can take to help prepare you for 2021.

Fall is right around the corner. Here are some financial tips to help you set yourself up for a successful year-end and a better 2021.

60% of carbon emissions come from energy and this is a key area where we can reduce emissions by using technology. Jessica Alsford, Head of Global Sustainability Research, discusses how investing in technology can help curb carbon emissions.

Despite the many challenges we face combating climate change, the opportunity to invest in a more resilient and positive future while meeting your financial goals does exist. Learn more.

Climate change is now an economic reality. Here’s how companies are responding to investor demand for positive change on environmental issues.

When it comes to planning for a loved one’s education, there is no one size fits all approach. Learn how you can identify the right education funding strategy for you.

HERS is the Holistic Equal Representation Score. It’s a way of measuring gender diversity within a firm. Jessica Alsford, Head of Global Sustainability Research, discusses how firms that embrace gender diversity are more likely to outperform their less diverse peers in a Morgan Stanley Minute.

Are you prepared for the increase risk volatility may have on your portfolio? Reach out and let’s set up time to review your plan and navigate these volatile times together.

Experience outweighs uncertainty. With recent events, an emphasis on managing risk has moved to the forefront as you may be looking for informed strategies to help protect your wealth. We can help you recognize how the recent volatility can affect your portfolio and work to reduce the impact.

Market volatility has become a fact of life, but what does that mean for your investments? We can help you navigate through these volatile times by reviewing your plan, making adjustments as necessary, and keeping you informed along the way.

As the world reopens, you may want to think about revisiting your financial plan. Get started by answering these key questions:

These disruptive times have put a spotlight on public health, inequality and the environment. Morgan Stanley’s Investing with Impact Platform can help you focus your investments on companies that directly contribute to finding solutions that address these and other sustainability concerns.

When markets get choppy it helps to have a plan in place to help keep you on track. We can work with you to identify your goals and tailor a plan that is flexible enough to grow with your family as things change. Learn more:

We’ve identified some strategies that may allow you to participate in market upside while reducing risk. Learn more:

Worried about generating consistent retirement income during turbulent markets? Consider these approaches:

These are challenging times, and many of us are under a good deal of stress. But brighter days are ahead. Visit our COVID-19 personal finance hub for ideas on how you can manage financial stress and stay on track toward your goals.

For the latest on stocks, bonds and the economy, read On the Markets:

Panic selling may be the single most damaging thing an investor can do in a bear market. Learn more about mistakes to avoidand what to do instead:

We teamed up with Girl Scouts USA to celebrate Financial Literacy Month. Spotlighting three successful female Morgan Stanley Financial Advisors, we’ve provided key lessons to put girls in the driver’s seat of their financial future. https://mgstn.ly/2RTLSKq #financialliteracy #GirlScouts

These uncertain times are a reminder of what’s truly important to us: our families and their future. These ideas can help you put your children and grandchildren on a path to financial literacy and stability.

Learn why you should work with an advisor who’s able to assess your whole balance sheet when making decisions about retirement income strategy.

Market volatility can be unsettling, but it shouldn't force you to overreact. We can help you analyze the risk in your portfolio and model changes to help keep your goals on track. Learn more.

Working from home? Now’s a good time to consider these cybersecurity tips.

If you’re willing to sell your home or borrow against it to support your retirement income, it can dramatically change your retirement outlook. Learn more.

Emotions can be our enemy when it comes to investing. Selling during market dips can lead to costly mistakes. Read more

In turbulent times, it helps to have a professional in your corner. See how advice matters.

As news continues to evolve around the COVID-19 virus, it is essential to remain vigilant. Here are some tips to prevent becoming a victim of a scam: https://mgstn.ly/2Wyp0Dg

Gender-focused investing can be an important part of a portfolio that meets your financial goals and risk tolerance. Learn more. #WomensHistoryMonth

Your retirement finances are more than just your portfolio. Learn more from Wealth Management’s Dan Hunt.

Discover three possible scenarios for how the Covid-19 virus outbreak might affect global economic growth through disruption, delays, and recovery.

When market volatility picks up, having a long-term horizon is an investor’s best strategy. Here’s why:

Going at it alone can be difficult. Learn how a professional can work with you to build a wealth plan to help you reach your goals.

Morgan Stanley Impact Quotient can help tailor your investments toward climate solutions and energy efficient technologies that can potentially combat some of the physical effects of climate change.

By retirement, many people suffer from account sprawl which makes it difficult to track cash flow and net worth. Is it a bigger problem than you realize?

The saying coined by Ben Franklinnothing is certain except death and taxesstill rings true today: taxes are inevitable. The sooner you get started, the better prepared you’ll be for tax season. Learn more.

Show your loved ones how much you care with the gift of education through a 529 Education Savings plan.

Beyond asset ratios, managing risk in 2019 can involve giving serious consideration to cyber resiliency. Learn more from Rachel Wilson, our Head of Cybersecurity, Wealth Management.

Climate change is one of the biggest issues of our time, posing risks for investors of all sizes. Learn more about how you can make a positive environmental impact with your investment dollars.

Declining markets. Bad investment timing. Greater-than-expected longevity. These can all jeopardize your ability to live comfortably in retirement. Learn how annuities can help you mitigate these risks.

What are you planning for the New Year? We can work with you to build a personalized framework that can help bring your goals to life in 2020.

How much does a presidential pick influence markets? For investors, this election may be more about the balance of power across government. Four scenarios to watch.

"Four million privately held businesses stand to change hands over the next two decades. Three quarters of those owners do not have an exit plan." Find out how Morgan Stanley can support small businesses from Liz Dennis, Head of Strategic Client Management.

Generally there’s a pretty big gap between how parents approach the money conversation and how teenagers are ready to absorb the money conversation, says Daniel DiBiasio, Managing Director, Wealth Management. Learn how to bridge the gap.

2020 is here, but it will be 2030 before you know it. Now is the best time to reinforce good financial habits and make new ones to carry you through the next decade and beyond. Find out how we can help you build a customized wealth plan:

The markets don’t care about how you feel. We do. Read more:

Do you know how quickly media streaming services have grown in the last two years? Head of Media Research, Ben Swinburne, breaks it down.

2020 could prove to be a decent year for investors, but it may include some bumps along the way. Here’s some important advice for navigating this year’s markets.

Life is full of financial decisions. From setting goals to planning for healthcare costs, here are some ideas to help you begin the new decade on the right path.

Mandell Crawley, Head of Private Wealth Management, believes millennials have a much greater focus on ensuring that the wealth they have been fortunate to inherit or create is used to make the world a better place.

Start 2020 by setting financial goals that will serve you this year and well into the new decade.

When it comes to investing, emotions are not our friend. Read more:

If the U.S. Latino population were measured in terms of a country, on its own, it would be the seventh largest GDP in the world, says Ileana Musa, Co-Head of International Wealth Management. Those who pay attention to this demographic, will stand out in their industries.

For them it’s the biggest milestone, the biggest accomplishment, the sale of a business, or an important event for their family. For them, it’s the first and only time. We have seen this literally thousands of times, in thousands of iterations, says Head of Field Management Vince Lumia.

"Consumerism is moving healthcare to more of a market-based economy. The potential exists for massive cost savings and quality enhancement. Steven Rodgers explains the ongoing opportunity for consumers to take control of their healthcare information in a Morgan Stanley Minute.

The holidays are almost here. Stay on budget, share thoughtful gifts with the people on your list, and make the right holiday plan with the Morgan Stanley Gift Guide for a Better You.

Being proactive about your investments and tax planning can help you save money for years to come. Explore the resources and ideas at our Tax Center to help you get startedand let’s talk soon.