Justin Sammartano, CRPC, Wealth Advisor at Morgan Stanley

The key to building wealth is through compounding. You can compound growth by consistently making smart financial choices. You can also compound negatively with bad decisions or inaction. It works both ways. You don't have to be wealthy to work with a financial planner. A financial plan will help you identify ways to optimize your finances for compounding growth.

Things I would tell my younger self about money: - The perfect time to start investing doesn't exist. There will always be reasons to delay, so start now. - Spend money on things that buy time.... -Buy the coffee or whatever it is that gets you motivated to start your day. -Prioritize earning not saving. -Have a long term strategy. Time flies. -Do things that have a compounding effect.

Each January, I encourage all of my clients to update their financial plan for the year ahead. Here are some of my thoughts for 2021: 1. Short term rates (think cash and CD's) will likely stay low. 2. Big tax policy changes are unlikely in 2021. 3. Keep an eye on potential retirement plan changes and take advantage. ... 4. Review your insurance coverage and estate planning documents. 75% of Americans are winging it when it comes to their finances. Reach out and I'll show you how easy it is to have a financial plan.

Wishing everyone a happy and healthy New Year!

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:

Taking steps to lessen the amount that taxes take out of your retirement portfolio can help you keep more of your nest egg. Here’s how:

Join us for an exclusive event with NBA All-Star and Atlanta Hawks Co-owner Grant Hill. Send me a message to register or click the link below: https://morganstanley.webcasts.com/starthere.jsp

After a year of chaos, the 2021 investment outlook is refreshingly normal: Trust the recovery and, for most assets, stick with the early-cycle playbook.

Your guide to personal finance under a Joe Biden Presidency. Educate yourself on how potential new policies might or might not impact your financial life. https://www.forbes.com//your-guide-to-personal-finance-un/

If you stayed the course through this entire year, pat yourself on the back. This is great news for the idea of returning to normal in the near future. https://www.cnbc.com//election-stock-market-futures-open-t

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 helpreach out today and let’s put a plan in place to prepare for a new tomorrow.

Congress is unlikely to impose new taxes on individuals in 2021 regardless of the political party in office. See our report, US Policy Pulse: What’s Tax Got to Do With It? to learn why. DM me for a copy.

Aside from building a pumpkin spiced latte fund, here are some personal finance moves you can make this fall. If you don't have a financial plan, send me a message and let's talk.