The Fox Team at Morgan Stanley

08/21/2026

Retirement budgets often account for the obvious: housing, travel, food, and healthcare premiums.
But some of the most disruptive expenses are the ones people don't plan for.

A few that can surprise retirees:

· Dental, vision, and hearing costs that may not be fully covered
· Long-term care needs that arise faster than expected
· Medicare-related premium increases based on income
· Major home repairs or accessibility updates
· Financial help for adult children, parents, or other family members

The lesson isn't to fear these costs. It's to build the proper financial plan.

A retirement income strategy should leave room for the unexpected — because "surprise expenses" are rarely a matter of if, but when.



https://advisor.morganstanley.com/the-fox-team

08/20/2026

If one of their grandchildren emailed saying they needed emergency money wired to a new account right away, would your loved one send it without verifying? Watch this video to learn about common scams targeting the elderly, and let me know how I can help answer your questions about cybersecurity best practices.

08/10/2026

What would a multi-year health care need mean for your finances and portfolio? Explore planning considerations.



https://www.morganstanley.com/ideas/healthcare-costs?gv6=99ca2678-6a6d-4296-8813-7905d3719153

07/31/2026

Most people don't look for a wealth advisor during a period of total calm. They reach out when life gets complicated.

Here are the most common inflection points that trigger that first call:

1. A tax liability that suddenly feels entirely too high.
2. A business exit or equity event that shifts your net worth overnight.
3. Reaching a level of wealth where the risk of messing it up outweighs the desire to DIY.
4. A family milestone, like marriage, a new child, or a divorce, that changes your priorities.
5. A health scare that demands a rock-solid backup plan for your family.
6. The realization that retirement is less than 24 months away and you need a distribution strategy.
7. A divorce, or a major family change.
8. The Legacy Reality: Realizing your family wouldn't know how to manage or optimize your assets if something happened to you.

The honest truth? If you wait for a quiet season to organize your finances, you'll be waiting forever.

The real cost of delaying a plan isn't a single bad investment. It's the lost momentum of dozens of micro-decisions, the estate planning, tax efficiency, and proper asset allocation, stacked up over ten or twenty years.

07/16/2026

Waiting for mortgage rates to fall? Here's a framework for thinking about affordability today. https://livesocial.seismic.com/aczaCm

07/14/2026

If you're considering upcoming milestones like buying a home or retiring, a mid-year check in on your financial plan may be beneficial. This checklist can help. https://livesocial.seismic.com/aSQLI3

07/08/2026

Discover how the 2026 World Cup could boost media and beverage revenue and lift economic activity: https://livesocial.seismic.com/aAvMWt

07/06/2026

What are digital assets? Learn how crypto, stablecoins and tokenization work—and the risks to consider. https://livesocial.seismic.com/ade27H

07/02/2026

Looking for a clear, approachable introduction to the fundamentals of investing? Then join us Monday, July 6 for "Intro to Investing: Stocks, Bonds and Beyond," part of our Wealth Education for the Next Generation series. We'll break down how the stock market works and explore the roles of stocks, bonds and other investment vehicles within a broader financial strategy. Register Here: https://livesocial.seismic.com/aJI-51

06/30/2026

Saving for your child's future can feel overwhelming. Let's simplify it together with a 529 strategy designed around you.

morganstanley.com