Michael Eichner, CFP - Financial Advisor at Morgan Stanley

Michael Eichner, CFP - Financial Advisor at Morgan Stanley Comprehensive financial advice designed to create more time to focus on what and who you love

While the most rewarding part of my career is that no two clients are the same, most of our clients have between $250,000-$5 million in liquid assets and fall into one of these categories:
- The idea of retirement is quickly approaching in the next 3-5 years and since your investment portfolio will eventually provide a replacement for current income, the sooner you have a clear vision for what ret

irement looks like, the better.
- A life event has led to a recent change in financial situation, whether it's a loved one passing away, divorce, sale of a business/property, wedding or birth of a child. Life changes can be overwhelming, and we provide support and expertise in managing your financial life so it's one less thing to worry about.
- Your income and savings have increased to a point where you are trying to figure out the best way to save in a tax-efficient manner. Rather than building up cash in a low-yielding checking account or a self-directed account that isn't closely monitored, we can evaluate all your options available to prioritize your future, even if there isn't a clear goal for the funds.
- You currently work with a financial advisor, but communication is infrequent and you don't have a relationship built on trust and mutual respect. If there is a lack of clarity on your tax bill, investment choices and costs, it is in your best interest to at least get a second opinion! NMLS #: 1891484

For more information on the designation(s), go to https://advisor.morganstanley.com/michael.eichner

Mike's Monday Musings: Happy new year! With all the joy and chaos of the holiday season in the rear view, now is the per...
01/05/2026

Mike's Monday Musings: Happy new year! With all the joy and chaos of the holiday season in the rear view, now is the perfect time to take a fresh look at your finances and see if there's anything you want to focus on in the new year. Some people enjoy the process of budgeting/investing and others dread it, but whether you have help or not it's important to know that priorities, risks and objectives are constantly changing given all the moving pieces in life. Five of my top ideas to revisit include:
- Are my accounts titled properly? Do they have the right beneficiaries named?
- Are there any positions in my portfolio that have gotten larger than expected due to outsized gains? Would I buy that position again today if I owned none?
- Is there a year end bonus being paid out that isn't needed for my month-to-month cash flow? Where would the best place to place those funds for my short and long term goals?
- Is there a retirement plan, investment account, company stock or credit card I've neglected because it's not consolidated with my primary accounts? Am I being charged fees or paying subscriptions for something I'm not getting value out of?
- Lastly, do I have a defined review process for my finances with my significant other and/or advisor? Have I benchmarked my portfolio returns against an appropriate benchmark, whether that's a blended index or a financial planning goal?

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32789

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