I have provided financial advice to clients for more than 36 years and have been with Morgan Stanley since 1989. As a Senior Portfolio Manager with the firm's Portfolio Management Group program, the question I hear most from investors is: How do I grow my money when the financial markets are good and protect my money when the markets are bad? My answer to this question was developed from not only studying past market patterns but from actually experiencing the many bull and bear markets since I obtained my first securities license in 1979. As a Morgan Stanley Financial Planning Specialist and as a holder of the Chartered Financial Consultant (ChFC) designation, I help individuals and families with a variety of financial and retirement planning issues. As a Chartered Life Underwriter (CLU), I have the training, decades of experience, and the resources of the firm's estate planning professionals, to help clients tackle simple and complex estate planning, trust and insurance issues. Since I first helped a client's company set up a 401(k) plan for their employees in 1984, many businesses have benefited from my many years of experience and ongoing training in the corporate retirement plans marketplace. 