Lori R. Sackler - Morgan Stanley Financial Advisor

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Client Service Team

Gretchen Savino Client Service Associate tel: 201-967-6222 fax: 201-262-3761 gretchen.savino@morganstanley.com	Professional Details Gretchen brings a background in retail to her role at the Sackler Group, where she assists with regular client interactions, including check and wire requests, administrative account changes, IRA distributions and account transfers. She served as a marketing professional for a major toy company, working with large retail accounts. Gretchen has a degree in Business and Marketing from the Fashion Institute of Technology in NY.
	Nancy Hecker Client Services Associate tel: (201)967-6209 fax: (201)262-3761 nancy.hecker@morganstanley.com	Professional Details Nancy works with our clients on a daily basis, and also assists with client reviews, literature research and marketing projects. She has over 15 years experience in the financial services industry, including trading commercial paper with Kidder, Peabody & Co., and working on the institutional fixed income sales desk at TD Securities. Nancy is a graduate of Barnard College, where she earned a BA in Political Science.

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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 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.