If you think you’ve been hacked, there are important steps you can take to help minimize the damage. Check out these tips for responding to the most common attack scenarios: MORGANSTANLEY.COM Think You've Been Hacked? What You Need to Do | Morgan Stanley

As we start a new school year in uncertain times, remember to stay focused on the long term. Learn how a 529 plan can help you save and invest for a loved one’s future education expenses. MORGANSTANLEY.COM Investing in a Loved One’s Education: Plan Now for the Future | Morgan Stanley

As the continuing pandemic and depressed economic activity raise the stakes for the 2020 election, voter turnout and the Democratic VP selection are likely to play significant roles. The VP choice may also signal future policy directions that will impact taxes, spending and growth. Contact me to get access to “A Guide to the General Election: COVID-19 and the Campaign Trail” issue of Geo-Markets and to discuss investment opportunities.

Can you spot a phone scam? Learn how to help guard yourself and your loved ones against phone fraud. MORGANSTANLEY.COM Phone Fraud: How To Protect Yourself | Morgan Stanley

Incorporating a 529 plan into your overall wealth strategy can help you start saving and investing early while taking advantage of tax benefits. MORGANSTANLEY.COM Investing in a Loved One’s Education: Plan Now for the Future | Morgan Stanley

Smart devices can be lucrative targets for cyber thieves. See how to protect your IoT devices while still enjoying their benefits. MORGANSTANLEY.COM Protecting Your Smart Devices | Morgan Stanley

Hackers and fraudsters work around the clock. We do too. See how Morgan Stanley proactively learns from and responds to cybersecurity threats. YOUTUBE.COM Going on the Offensive

After years defending the U.S. against cybersecurity threats, Prashanth Challa brings his expertise to protect our Financial Advisors and clients. YOUTUBE.COM Meet Prashanth Challa

Higher education expenses are higher than ever. So it’s important to stay the course in saving for college, even in challenging times. I’m here to help—reach out today and let’s put a plan in place to prepare for a new tomorrow. MORGANSTANLEY.COM Investing in a Loved One’s Education: Plan Now for the Future | Morgan Stanley

Seniors face unique cybersecurity threats, but are often unaware of the risks. Speaking to our parents, grandparents and loved ones about online security can help protect them from fraud. YOUTUBE.COM Steering Clear of Scams For Seniors

If you're already maxing out your 401(k), an HSA can serve as another place to put tax-free savings for retirement, earmarked for your health-care costs. MORGANSTANLEY.COM HSAs: Tax Benefits Beyond 401(k)s | Morgan Stanley

The internet can be a risky playground for kids and teens. It’s important to educate them about how to engage with others online and explain what content is ok to share. YOUTUBE.COM Social Media Safety For Kids

Are you worried about the election? A look at historical market implications of presidential elections shows that many investor fears are misplaced. I can help you prepare your portfolio for either outcome. Contact me to get access to the 2-part report “U.S. Policy Pulse: A History of General Election Performance” to learn more.

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 year—as much as $75,000 (or $150,000 for married couples). Learn more. MORGANSTANLEY.COM Give the Gift of Education Savings This Holiday Season | Morgan Stanley

Social media apps and websites allow us to communicate and keep in touch with our friends and family, but what we post online can also be exploited. Make sure to think twice before posting sensitive information. YOUTUBE.COM Limit the Information You Share Online - YouTube

https://www.collaborativefund.com/blog/why-were-blind-to-probability/ COLLABORATIVEFUND.COM Why We’re Blind to Probability

We expect two major unknowns to be resolved soon: the election and the approval of a COVID-19 vaccine. Here’s what that means for markets: HSL-PNW-DOWNLOADABLE-FILES.S3.AMAZONAWS.COM hsl-pnw-downloadable-files.s3.amazonaws.com

A username and password are no longer enough to protect access to your sensitive accounts. Consider using a security key, the most advanced form of multi-factor authentication available YOUTUBE.COM What is a Security Key?

Cyberthieves are increasingly targeting remote workers. See how employees and employers can protect themselves. MORGANSTANLEY.COM Cybersecurity Tips for Remote Work | Morgan Stanley

2020 was a year of change, including in tax law! Are you in need of tax advice as you prepare for Tax Day? If so, I can connect you to leading tax service providers in my network that can help.

As we saw in January, an increase in speculative trading can fuel gains as well as losses. Read more in On the Markets: HSL-PNW-DOWNLOADABLE-FILES.S3.AMAZONAWS.COM hsl-pnw-downloadable-files.s3.amazonaws.com

Practicing good password security is one of the best steps to improve your online safety. Learn how to add layers of security to your accounts, from complex passwords to password managers. YOUTUBE.COM Password Security

As Congress and a new administration ponder new stimulus to navigate the pandemic, what will 2021 look like for FX and government bond markets? MORGANSTANLEY.COM Rates and FX Markets Eye the U.S. Policy Path | Morgan Stanley

MS & Co. CIO Mike Wilson believes the Fed's unprecedented response, in conjunction with Congress, has driven a remarkable recovery from the depths of this recession. Learn more: MORGANSTANLEY.WEBCASTS.COM GIC Investment Perspectives January 2021 - 1419805

These days many of us are moving everyday activities online, from socializing to learning to managing sensitive accounts. You can help protect yourself and your personal information by applying some simple cyber best practices. YOUTUBE.COM Stay Safe Online