The Palafox Group at Morgan Stanley

Happy Father's Day to all the incredible fathers and father figures out there!

This Memorial Day, let's remember and honor the brave souls who made the ultimate sacrifice for our nation's freedom.

“People often say that motivation doesn’t last. Well, neither does bathing - that’s why we recommend it daily” - Zig Ziglar

Want to reach your financial goals? Start by setting specific measurable, achievable, relevant and time-bound goals. Let's connect on the best path forward.

What to Do If You Are Off Track on Your Goals | Morgan Stanley www.morganstanley.com

Happy 60th Birthday the the Palafox Group's very own Andrew Flock! We wish you many blessings for the year to come. Enjoy your special day.

Happy Mothers Day to all the mothers and mother like figures in our lives. Especially to our two Palafox Group members Cover and Julie!

Take a moment and reach out to those special to you and be grateful that they are a part of your life!

Happy Mother's Day to all the wonderful mothers! Celebrating you and all that you do for your families.

Last night, the Palafox Group celebrated Frederick Cook's retirement! He is my dad, and working with him has been a blessing and a joy. Not everyone gets to spend time and learn from their dad as I have. I cherish it and look forward to the new set of memories created with him in his retirement!

The scale of projected power use from Generative AI is surprising—as are the technology's potential benefits for sustainability efforts. As data centers expand, they may drive demand for renewables, such as wind, solar, energy storage, and fuel cells.

Powering the AI Revolution www.morganstanley.com

In honor of Asian Pacific American Heritage Month, my colleagues and I at Morgan Stanley are celebrating the richness of the diversity in our communities.

"You don't have to be great to start, but you have to start to be great." Zig Ziglar

Even with a strong foundation, there's always room for growth. Let's connect about how you can enhance your financial literacy. https://livesocial.seismic.com/alamDi

"Look for the blessing in all situations" - Wayne Dyer

Executor of a Will for Parents: A Checklist | Morgan Stanley www.morganstanley.com

Happy Passover to all who are celebrating!

Happy Earth Day!

How realistic are your retirement dreams if the market declines or you live longer than expected? Let's discuss what you can do now to help protect your portfolio in the future.

You're Ready for Retirement. Is Your Portfolio? www.morganstanley.com

Generative artificial intelligence could upend the global travel industry, bringing disruption and opportunity to online travel agencies and search engines.

Will AI Plan Your Next Vacation? www.morganstanley.com

Are you on track for a comfortable retirement? Target date portfolios could be the answer. They adjust your investment mix over time, helping to reduce risk as you approach retirement.

Hitting the Mark with Target Date Portfolios | Morgan Stanley www.morganstanley.com

Wishing everyone a very Happy Easter!

How much money will you need to save for a comfortable retirement? Here are three strategies that may help you optimize your 401(k) plan.

You Work Hard, Make Your 401(k) Plan Work Harder | Morgan Stanley www.morganstanley.com

Wishing you success, happiness and prosperity this Holi and always. Have a colorful and joyous Holi!

Planning for retirement? Consider leveraging your home equity. It's a valuable asset that can provide a steady income stream. Let's explore the options together and secure your golden years.

Why Your Home Can Be a Retirement Asset | Morgan Stanley www.morganstanley.com

Planning for retirement isn't over when you stop working. Be prepared by knowing the challenges you may face. Let's talk.

5 Mistakes to Avoid in Retirement | Morgan Stanley www.morganstanley.com

Happy St. Patrick's Day! You can't rely on a four-leaf clover for luck, but we can work together to set up personalized strategies to reach your financial goals.

As the 2024 election nears, potential tax changes, Social Security reforms and health-care policy shifts loom. What should investors know?

Election 2024: Investors' Top Questions Answered | Morgan Stanley www.morganstanley.com

Don't forget to set your clocks forward this Sunday!

So excited for our team, The Palafox Group, who has been recognized by Forbes as one of the Best-In-State Wealth Management Teams for 2024.

This award would not be possible without the continuous support and loyalty from our amazing clients.

Thank you to Forbes for this recognition. Our team is honored to serve our clients day in and out, helping them reach and exceed their dreams.

[Source: Forbes.com (Awarded Jan 2024) Data compiled by SHOOK Research LLC based for the period from 3/31/22–3/31/23. (https://www.morganstanley.com/disclosures/awards-disclosure/)] https://livesocial.seismic.com/aUV0cy

Need holiday gift inspiration? Our Gifts for Good guide features socially conscious organizations that give back. https://bit.ly/3R755pM

We are thankful for each and everyone of you and blessed to call you friends and family! Thank you for the continued trust and comradery. Wishing you a Happy Thanksgiving filled with many blessings!

Quiz Your Family and Friends With These Fun Thanksgiving Facts You'll look at the holiday an entirely different way! 🦃

Saving for retirement? Let’s talk about strategies to help reduce your taxable income and keep more of what you’ve saved.

Tax-Smart Strategies to Consider for Your Retirement | Morgan Stanley Smart tax planning can help you save more for retirement and keep more of what you’ve already saved. Consider these tax-efficient retirement planning strategies.

Hot off the Press!! The IRA has announced cost-of-living adjustments for pension plans and other retirement items. Here are a few of the highlights:
- Employee contribution limit for company retirement plans increased to $23,000 (up from $22,500)
- Catch-up contribution limits staid the same $7,500
- IRA contribution annual limits increased to $7,000 (up from $6,500)
- SIMPLE contribution limits increased to $16,000 (up from $15,500)

Breaking: IRS Announces 2024 Benefit, Contribution Limits The IRS has announced cost-of-living adjustments affecting dollar limitations for pension plans and other retirement-related items for tax year 2024.