The Krokenberger-Cummings Group at Morgan Stanley

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The Krokenberger-Cummings Group

OUR MISSION STATEMENT

Experience, intellectual capital and dedicated personal service to help you meet your life goals

Our Story and Services

Welcome

What We Believe

We believe all financial success takes place in the mind. Without composure,

rationality and a well thought out plan, a portfolio means nothing.

We are financial planners first and foremost – the portfolio is

just one of many tools used for the realization of our clients’ goals.

Simplicity is at the core of what we do. We look at your current situation

– what you own less what you owe and

how much time you have to achieve your objectives.  

Then and only then, can we begin talking about investing.


Our philosophy is this: behavior is the most important determinant

of investment returns.

Cost is the second most important.

These two factors combined with a well-thought out plan,

give our clients the greatest probability of success.

Achieving your goals is not about outperforming

some arbitrary, emotionless benchmark or calling the next boom or bust.

It is about looking at the facts, having a plan,

tolerating ambiguity and being optimistic about the advancement of the human race.


Below is a recent conversation we had with WROC - TV.

http://www.rochesterfirst.com/news/local-news/financial-control-for-women/934210253


Services Include

  • 401(k) Rollovers
  • Asset Management
  • Business Planning
  • Business Succession Planning
  • Cash Management
  • Divorce Financial Analysis
  • Estate Planning Strategies
  • Financial Planning
  • Qualified Retirement Plans
  • Retirement Planning
  • Wealth Consulting
  • Wealth Management


Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck.

Video

Working With You

Working With You

We help provide comprehensive financial planning in the context of a long-term relationship with you.  Through our experience we have learned it is important that everyone is clear on what to expect if we are to develop and maintain a successful working relationship. Effective communication and mutual respect are essential.

Our recommendations are always based on helping you achieve your financial and lifestyle goals.  It is important you understand that all investment advice will be based on the information you provide to us.  Therefore, in order for us to offer recommendations and advice best suited to you, we need you to fully participate in the financial planning process.

To this end, we both need to make your financial strategies a priority. We will agree to keep each other informed of any new developments that might affect these strategies. And we will agree to take the time to regularly review your personal financial plan.

Women, Wealth and Empowerment

Women – Why Me?


As a young girl raised in a divorced family, my mom was responsible for all of the

decisions, and I grew up thinking women could manage anything. As an adult, I realized

that in many cases, women lack the knowledge and confidence to make important

financial decisions on their own. When put in a position to manage their finances, the

responsibility can feel overwhelming.


As a professional advisor, I have learned that when women experience an environment

that is conducive to their style, and work with a professional who can communicate with

them more effectively, they naturally become more engaged in the process and more

interested in making good financial decisions. This provides a great deal of comfort and

reduces unnecessary stress for both them personally, and their families.



Therefore, my mission as a Financial Advisor is to transform the financial experience for

women. To create an environment where women can learn about their finances,

without intimidation, in a way that leaves them feeling inspired, excited, and confident

about their future.


Erica Cummings, CFP

Vice President

Family Wealth Advisor



Meet The Krokenberger-Cummings Group

Family

Creating customized financial strategies for the challenges that today's families face.

  • Estate Planning
  • 529 Plans / Education Planning
  • Long Term Care Insurance
  • Trust Services and Accounting

Business Planning

Partnering with you on key aspects of your business such as ownership, liquidity and developing opportunities.

  • Succession Planning
  • Business Planning
  • Retirement Plan Sponsors
  • Corporate Pension Funds

Insights and Outcomes

Thought Leadership for our ultra high net worth clients, which contains thought-provoking articles, authored by leading experts from Morgan Stanley Family Office Resources.

Retirement

Working with you to understand your life goals and develop a truly personalized wealth strategy.  Today and for the years to come.

  • 401(k) Rollovers
  • IRA Plans
  • Retirement income strategies
  • Annuities

Investing

Working closely with you to guide your wealth and investments through the most challenging market cycles.

  • Asset management
  • Traditional investments
  • Alternative Investments
  • Impact Investing

Ready to start a conversation? Contact The Krokenberger-Cummings Group today.

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