At The Riverwood Group at Morgan Stanley, our process defines us. We combine our long term, deep value, equity and fixed income analysis and portfolio management techniques with financial planning processes to give our clients a unique, holistic wealth management service. First, we help set your financial objectives. We'll begin our relationship by asking questions---a lot of questions. Like what you want to do with your life, the things you want to have, and whether you'd like to pass any of your wealth to others. We'll ask about your current financial resources, your time horizon for goals, your tolerance for risk---even how your liabilities are structured. Second, we'll help develop a wealth management strategy. Based on your input, our recommendations will likely address income, retirement planning, asset protection, investment management, strategic borrowing, and wealth transfer. Of course, your plan will include an asset allocation strategy designed to achieve a return in line with your risk tolerance and investment time horizon. Third, we'll help implement the plan. After presenting you with a detailed strategy for your portfolio, we work closely with you to bring the elements of your strategy to life. Should we together decide that money managers are appropriate for you, we will rely on our research to select from the hundreds of investment-management firms competing for business. Or perhaps you'd prefer individual securities; if so, we can help identify specific stocks, bonds and other securities that may be suitable for your portfolio. Whatever approach we decide on, we will help keep your portfolio on track. Finally, we will review your performance and update your plan as time moves on. When your personal situation or market conditions change significantly, we can recommend adjustments to your portfolio as necessary. Additionally, you will receive a comprehensive quarterly review that outlines your portfolio's progress and performance.