I’d like to wish a meaningful fast to my friends observing Yom Kippur.
The seasons changing are always a good time to reflect. Happy Fall!
If the market loses 10% how much of that loss would you like to be exposed to and how much would your current portfolio be exposed to?
If you don’t know, you should. Most people don’t have that important information which is why we are offering a complimentary stress test on your portfolio to see how your portfolio would react in almost 50 market environments including if we have a relapse of the economy shutting down due to COVID.
Don’t hesitate to call me at 201-670-3453 if you think that would be valuable to give you piece of mind or identify areas you can de-risk your portfolio.
-Tom
Does the investment firm or private bank you do business with stress test your portfolio on a regular basis to see how much risk you actually have and if it’s worth the reward you receive?
What if we lose or gain 10% in the market? What if the 10 year treasury goes up or down 1% (don’t say it won’t because we were just happened in the last year)? What if the muni bonds I have are upgraded, downgraded even further or default? What if we are in fact in a bull market, are you positioned to take full advantage? If any of this happens, how will my pension/401k/IRAs be affected?
Call me at 201-670-3453. My team will do a complimentary stress test on your portfolio to answer all of your “What-Ifs”.
-Tom
Happy 73rd Birthday to the United States Air Force. I served with MANY great Airmen and Airwomen throughout the years. Hats off to you who are still serving the greatest country in the world!
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.
MORGANSTANLEY.COM
529 Plans and More: A Guide to Investing in a Loved One’s Education | Morgan Stanley
Trading corrections is difficult so the best approach may be to ride it out, says Morgan Stanley & Co. CIO Mike Wilson. Read more:
HSL-PNW-DOWNLOADABLE-FILES.S3.AMAZONAWS.COM
hsl-pnw-downloadable-files.s3.amazonaws.com
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.
MORGANSTANLEY.COM
Fall Planning for Your Finances | Morgan Stanley
MS & Co. CIO Mike Wilson notes that although the bull market appears intact, investor sentiment has remained remarkably skeptical. Learn more:
MORGANSTANLEY.WEBCASTS.COM
GIC Investment Perspectives October 2020 - 1384238
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.
MORGANSTANLEY.COM
Fall Planning for Your Finances | Morgan Stanley
I became a new parent 16 months ago. Let me tell you, it's been a ton of fun working from home with a toddler (I'm sure there's other parents out there that have had a ton of fun as well).
Before all this chaos, we started to do our own financial planning for him. We knew that as education costs rise, it's critical to start planning early. The right college savings strategy would help ease financial stress for us as a family.
If you're wondering what to do with your own college planning, call me. If you just want to know the most common college funding tool, please read this article.
MORGANSTANLEY.COM
Planning for the Rising Cost of Education | Morgan Stanley
I became a new parent 16 months ago. Let me tell you, it's been a ton of fun working from home with a toddler (I'm sure there's other parents out there that have had a ton of fun as well).
Before all this chaos, we started to do our own financial planning for him. We knew that as education costs rise, it's critical to start planning early. The right college savings strategy would help ease financial stress for us as a family.
If you're wondering what to do with your own college planning, call me. If you just want to know the most common college funding tool, please read this article.
MORGANSTANLEY.COM
Planning for the Rising Cost of Education | Morgan Stanley
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.
MORGANSTANLEY.COM
Fall Planning for Your Finances | Morgan Stanley
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.
MORGANSTANLEY.COM
The State of Your Parents' Estate | Morgan Stanley
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
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
The $18 Billion of municipal bonds that the city of Detroit defaulted on in 2013 was and still is the largest municipal bond default in US history (source: Fed Reserve Bank of St. Louis).
With this pandemic still around, have you looked at your municipal bond portfolio to see if there are any bonds that could default soon or if another round of COVID shuts everything down?
If you're not sure, go to my website and schedule a meeting via the link at the top of the page. I can have our bond desk take a look at it for you and suggest a few alternatives if there are any.
Don't forget to VOTE!!!
fa.morganstanley.com/thomas.vandyk
ADVISOR.MORGANSTANLEY.COM
Tom Van Dyk | Paramus, NJ | Paramus, NJ | Morgan Stanley Wealth Management
Don't forget to turn those clocks back - it's Daylight Savings!
Boo! Happy Halloween!
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:
MORGANSTANLEY.WEBCASTS.COM
GIC Investment Perspectives November 2020 - 1397886
Do you want to involve your family in charitable giving? Donor advised funds give you the flexibility and time to involve family members in your strategic giving, so you can share the causes that are important to both you and your loved ones.
Please visit my website and book a meeting with me if you'd like to direct your assets towards the causes you love.
fa.morganstanley.com/thomas.vandyk
MORGANSTANLEY.COM
Donor Advised Funds: A Tax-Efficient Way to Manage Your Giving | Morgan Stanley
On Veteran’s Day, and every day, I’m grateful to those who have served.
Happy 245th Birthday to my brothers and sisters in the United States Marine Corps. While being in the Navy I was able serve with some incredible leaders in the #USMC and am thankful for what they do for this country! #ONETEAMONEFIGHT #DON #OORAH
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.
MORGANSTANLEY.COM
How Affluent Families Can Plan for Hidden Risks | Morgan Stanley
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
A lot of friends, family, and clients as me what economists I follow for market observations and data. Mike Wilson at #MorganStanley is my go to for mostly everything. Outside of Mike, I love paying attention to what Brian Wesbury at First Trust says about the markets. I attached a video on his latest comments on the markets.
https://www.ftportfolios.com/commentary/economicresearch/WO
FTPORTFOLIOS.COM
2020: A Vote for Peace and Quiet
Happy Thanksgiving to those with us and those far away.
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.
MORGANSTANLEY.COM
Tax-Aware Strategies for Your Wealth Plan | Morgan Stanley
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:
HSL-PNW-DOWNLOADABLE-FILES.S3.AMAZONAWS.COM
hsl-pnw-downloadable-files.s3.amazonaws.com
End-of-year giving may help lower your tax bill and is one more reason you can feel good about giving on Giving Tuesday.
MORGANSTANLEY.COM
Your 2020 Guide to Holiday Giving | Morgan Stanley
With uncertainty around tax code changes as year-end approaches, now may be a good time to revisit your estate planning strategy and take advantage of the current Unified Lifetime Gift Tax Exemption to make 529 plan contributions for your family’s education.
MORGANSTANLEY.COM
Give the Gift of Education Savings This Holiday Season | Morgan Stanley
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.
MORGANSTANLEY.COM
Donor Advised Funds: Giving to Charity | Morgan Stanley
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.
MORGANSTANLEY.WEBCASTS.COM
GIC Investment Perspectives December 2020 - 1410657
Today is the first day of winter! What traditions are you looking forward to this season?
Tax efficiency makes a big difference. Let’s talk before year-end.
MORGANSTANLEY.COM
Tax-Aware Strategies for Your Wealth Plan | Morgan Stanley
A sound wealth plan requires more than just seeking returns. It also involves mitigating and managing risks. While we are all stuck at home due to the snow storm, this may be an opportunistic time to review your liabilities and if you have the correct amount of coverage for those liabilities.
MORGANSTANLEY.COM
How Affluent Families Can Plan for Hidden Risks | Morgan Stanley
A key strategy for boosting potential long-term returns is minimizing the impact of taxes across your investments. Let’s create a strategy that’s right for you.
MORGANSTANLEY.COM
These Steps May Reduce Your Taxes | Morgan Stanley
Wishing everyone a happy and healthy New Year!
Small reductions in tax costs can have enormous consequences for wealth accumulation. Consider these techniques to help you keep more money growing. Learn more:
MORGANSTANLEY.COM
Elements of a Tax-Smart Portfolio | Morgan Stanley
2020 is almost over. Consider incorporating tax-efficient investment strategies into your wealth plan today to help you build more wealth for tomorrow. Learn more here:
MORGANSTANLEY.COM
Tax-Aware Strategies for Your Wealth Plan | Morgan Stanley
Stocks may seem elevated, but we believe this bull market has a long way to run in time and price. Learn more:
HSL-PNW-DOWNLOADABLE-FILES.S3.AMAZONAWS.COM
hsl-pnw-downloadable-files.s3.amazonaws.com
Want to get a handle on your finances in 2021? These six financial resolutions can help you get back on track and make progress toward your goals after a challenging year.
MORGANSTANLEY.COM
New Year Financial Resolutions: A Fresh Start | Morgan Stanley
May we celebrate this day of service and remember the honorable Dr. Martin Luther King Jr.
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
The events of 2020 have many considering the impact of their investments. Whatever causes matter most to you, I can help you create a portfolio that aligns your goals with your values.
MORGANSTANLEY.COM
New Year Financial Resolutions: A Fresh Start | Morgan Stanley
With everything changing in the political landscape, it is probably a great time to "Re-Start" your estate planning discussion. Do it now before....
- Exemption limits change
- Tax rates increase
- Interest rates change
- Your opportunity to protect what you worked for is in the past
Let's schedule a time to discuss becoming a client and how we can provide estate planning strategies and resources to help your family as well.
#thecallisfree
-Tom
201-670-3453
** Morgan Stanley and its Financial Advisors do not provide tax or legal advice. Individuals should seek advice based on their particular circumstances from an independent tax advisor.
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
Flipping a coin is actually more accurate than Punxsutawney Phil's weather prediction, but isn’t nearly as charming. Happy Groundhog Day!
With everything changing in the political landscape, it is probably a great time to "Re-Start" your estate planning discussion. Do it now before....
- Exemption limits change
- Tax rates increase
- Interest rates change
- Your opportunity to protect what you worked for is in the past
Let's schedule a time to discuss becoming a client and how our estate planning process and resources help your family as well.
#thecallisfree
-Tom
201-670-3453
New bull markets typically begin when a recession has ended and usually run for years not months, says MS & Co. CIO Mike Wilson. Learn more:
MORGANSTANLEY.WEBCASTS.COM
GIC Investment Perspectives February 2021 - 1430381
Getting where you want to go often means having room to adjust and shift financial priorities. Learn how our Goals Planning System can help.
MORGANSTANLEY.COM
Planning Today to Help You Thrive Tomorrow | 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.
I am very proud to announce that I have been named to Morgan Stanley’s prestigious Pacesetter's Club, a group of the Firm’s successful Financial Advisors. I appreciate this recognition of my commitment to excellence in providing a wide range of services to my clients.
I also want to congratulate the other Financial Advisors in the Paramus, NJ branch who were provided this award. Very honored to be part of this group! Keep up the great work!
I'm currently looking for a credible Videographer. Can anyone suggest one or two that I can interview?
Thank you in advance.
Best,
Tom
Consider these tax season moves. The sooner you get started, the better prepared you’ll be for Tax Day.
MORGANSTANLEY.COM
Tips to Prepare for Tax Day | Morgan Stanley
Fun fact: Each of the faces on Mount Rushmore are 60 feet high. Happy Presidents Day!
Wishing everyone a sweet Valentine’s Day!
New bull markets typically begin when a recession has ended and usually run for years not months, says MS & Co. CIO Mike Wilson. Learn more:
MORGANSTANLEY.WEBCASTS.COM
GIC Investment Perspectives February 2021 - 1430381
I am very proud to announce that I have been named to Morgan Stanley’s prestigious Pacesetter's Club, a group of the Firm’s successful Financial Advisors. I appreciate this recognition of my commitment to excellence in providing a wide range of services to my clients.
I also want to congratulate the other Financial Advisors in the Paramus, NJ branch who were provided this award. Very honored to be part of this group! Keep up the great work!
I'm currently looking for a credible Videographer. Can anyone suggest one or two that I can interview?
Thank you in advance.
Best,
Tom
Consider these tax season moves. The sooner you get started, the better prepared you’ll be for Tax Day.
MORGANSTANLEY.COM
Tips to Prepare for Tax Day | Morgan Stanley
Fun fact: Each of the faces on Mount Rushmore are 60 feet high. Happy Presidents Day!
Wishing everyone a sweet Valentine’s Day!
New bull markets typically begin when a recession has ended and usually run for years not months, says MS & Co. CIO Mike Wilson. Learn more:
MORGANSTANLEY.WEBCASTS.COM
GIC Investment Perspectives February 2021 - 1430381
I am very proud to announce that I have been named to Morgan Stanley’s prestigious Pacesetter's Club, a group of the Firm’s successful Financial Advisors. I appreciate this recognition of my commitment to excellence in providing a wide range of services to my clients.
I also want to congratulate the other Financial Advisors in the Paramus, NJ branch who were provided this award. Very honored to be part of this group! Keep up the great work!
I'm currently looking for a credible Videographer. Can anyone suggest one or two that I can interview?
Thank you in advance.
Best,
Tom
Consider these tax season moves. The sooner you get started, the better prepared you’ll be for Tax Day.
MORGANSTANLEY.COM
Tips to Prepare for Tax Day | Morgan Stanley
Fun fact: Each of the faces on Mount Rushmore are 60 feet high. Happy Presidents Day!
Interest rates tend to be slower to react to positive events than stocks, which helps explain why rates are rising lately. Read more in On the Markets:
HSL-PNW-DOWNLOADABLE-FILES.S3.AMAZONAWS.COM
hsl-pnw-downloadable-files.s3.amazonaws.com
Happy Women's History Month! I thought showing what #MorganStanley is doing to provide an outstanding work environment and culture for women is a great way to start off the month.
At Morgan Stanley, we are committed to empowering women and girls to reach new heights throughout every stage of their lives. Visit our Women Without Limits site to learn how we:
1. Support female clients as they grow their wealth and plan for the future.
2. Lead in our efforts to empower women and girls in our communities.
3. Engage female employees to thrive in a career at Morgan Stanley.
Lastly, follow #MSWomenWithoutLimits to join the conversation on social media.
I hope you find this information insightful.
https://www.morganstanley.com/what-we-do/wealth-management/women-without-limits
MORGANSTANLEY.COM
Women Without Limits | Morgan Stanley Wealth Management
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. Call me to discuss.
I am very proud to announce that I have been named to Morgan Stanley’s prestigious Pacesetter's Club, a group of the Firm’s successful Financial Advisors. I appreciate this recognition of my commitment to excellence in providing a wide range of services to my clients.
I also want to congratulate the other Financial Advisors in the Paramus, NJ branch who were provided this award. Very honored to be part of this group! Keep up the great work!
I'm currently looking for a credible Videographer. Can anyone suggest one or two that I can interview?
Thank you in advance.
Best,
Tom
Consider these tax season moves. The sooner you get started, the better prepared you’ll be for Tax Day.
MORGANSTANLEY.COM
Tips to Prepare for Tax Day | Morgan Stanley
The biggest risk to equities and other long-duration risk assets will come from the interest rate channel, says MS & Co. CIO Mike Wilson. Learn more:
MORGANSTANLEY.WEBCASTS.COM
GIC Investment Perspectives March 2021 - 1439432
Grateful for all the amazing women in my life today and every day. Happy International Women’s Day!
Interest rates tend to be slower to react to positive events than stocks, which helps explain why rates are rising lately. Read more in On the Markets:
HSL-PNW-DOWNLOADABLE-FILES.S3.AMAZONAWS.COM
hsl-pnw-downloadable-files.s3.amazonaws.com
Happy Women's History Month! I thought showing what #MorganStanley is doing to provide an outstanding work environment and culture for women is a great way to start off the month.
At Morgan Stanley, we are committed to empowering women and girls to reach new heights throughout every stage of their lives. Visit our Women Without Limits site to learn how we:
1. Support female clients as they grow their wealth and plan for the future.
2. Lead in our efforts to empower women and girls in our communities.
3. Engage female employees to thrive in a career at Morgan Stanley.
Lastly, follow #MSWomenWithoutLimits to join the conversation on social media.
I hope you find this information insightful.
https://www.morganstanley.com/what-we-do/wealth-management/women-without-limits
MORGANSTANLEY.COM
Women Without Limits | Morgan Stanley Wealth Management
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. Call me to discuss.
I am very proud to announce that I have been named to Morgan Stanley’s prestigious Pacesetter's Club, a group of the Firm’s successful Financial Advisors. I appreciate this recognition of my commitment to excellence in providing a wide range of services to my clients.
I also want to congratulate the other Financial Advisors in the Paramus, NJ branch who were provided this award. Very honored to be part of this group! Keep up the great work!
Legend says each leaf of the clover has a meaning: Hope, Faith, Love and Luck. Wishing you all of those things this St. Patrick's Day!
Don’t forget to set your clocks forward this Sunday!
The biggest risk to equities and other long-duration risk assets will come from the interest rate channel, says MS & Co. CIO Mike Wilson. Learn more:
MORGANSTANLEY.WEBCASTS.COM
GIC Investment Perspectives March 2021 - 1439432
Grateful for all the amazing women in my life today and every day. Happy International Women’s Day!
Interest rates tend to be slower to react to positive events than stocks, which helps explain why rates are rising lately. Read more in On the Markets:
HSL-PNW-DOWNLOADABLE-FILES.S3.AMAZONAWS.COM
hsl-pnw-downloadable-files.s3.amazonaws.com
Happy Women's History Month! I thought showing what #MorganStanley is doing to provide an outstanding work environment and culture for women is a great way to start off the month.
At Morgan Stanley, we are committed to empowering women and girls to reach new heights throughout every stage of their lives. Visit our Women Without Limits site to learn how we:
1. Support female clients as they grow their wealth and plan for the future.
2. Lead in our efforts to empower women and girls in our communities.
3. Engage female employees to thrive in a career at Morgan Stanley.
Lastly, follow #MSWomenWithoutLimits to join the conversation on social media.
I hope you find this information insightful.
https://www.morganstanley.com/what-we-do/wealth-management/women-without-limits
MORGANSTANLEY.COM
Women Without Limits | Morgan Stanley Wealth Management
Tax fraud schemes topped $2.3 billion last year, according to the IRS. Learn about tax fraud prevention tips and warning signs, as well as what steps to take if you’re a victim.
MORGANSTANLEY.COM
Tax Season Cybersecurity Tips | Morgan Stanley
Tax year 2020 isn’t done until you file your returns in 2021. As you prepare to file your income tax returns, review our checklist and resources for helpful tips and reminders: https://mgstn.ly/3vhwdGT
Legend says each leaf of the clover has a meaning: Hope, Faith, Love and Luck. Wishing you all of those things this St. Patrick's Day!
Don’t forget to set your clocks forward this Sunday!
The biggest risk to equities and other long-duration risk assets will come from the interest rate channel, says MS & Co. CIO Mike Wilson. Learn more:
MORGANSTANLEY.WEBCASTS.COM
GIC Investment Perspectives March 2021 - 1439432
Grateful for all the amazing women in my life today and every day. Happy International Women’s Day!
