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Financial Matters for the Young Professional

By CAREN P. WILLIAMS, CPM® Senior Vice President and Financial Advisor, Morgan Stanley If you are under the age of 40, you may not yet be thinking about important long-term financial plans for yourself or your family.  Retirement is 20+ years away, right? Even college for your toddler is 17-18 years away, so why plan now?  In addition to future needs, how much thought have you given to the risks you or your loved ones may face if you were suddenly unable to financially support yourself or your family due to disability or premature death?   Now, as time is on your side, you should be thinking about these needs and risks.  Let’s consider the risks first.   As a


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