SEE HOW THINGS STACK UP

Who wants to be a millionaire? Okay, put your hands down. Achieving this feat will take careful budgeting on your part, but its possible. Here’s how much you would have to save each month to become a millionaire by age 65.

Age 40: $1,435.83

SOURCES: usatoday.com/story/money/personalfi

Portfolio: A combination of holdings that include stocks, bonds, managed funds or other types of securities.

Securities: Transferable investment products represented by certificates or documents of ownership.

Stock: A share of a company held by an individual or group. Corporations raise capital by issuing stocks and entitling the stock owners (shareholders) to partial ownership of the corporation.

$400 HOW MUCH THE AVERAGE AMERICAN LOSES EACH YEAR TO GAMBLING

A large aerospace and defense company, Lockheed Martin has boosted its dividend for 12 straight years.

52-week high: $192.94

52-week low: $135.39

Annual revenues: $44.6 billion

Projected 2015 earnings growth: 3 percent

$859.6 BILLION AMOUNT AMERICANS OWE ON CREDIT CARD DEBT AS OF JAN 2014

$117 BILLION HOW MUCH AMERICANS SPEND ON FAST FOOD EACH YEAR

Age 20: $361.04

$7 BILLION THE TOTAL AMOUNT OF ATM FEES IN THE U.S. IN 2010

What does The Smith Prevatt Monteith Group at Morgan Stanley do?

We proactively serve a select group of families with the distribution phase of their retirement by offering rigorous, relentless discipline seeking to bring a higher level of predictability.

How does your group achieve that?

With financial planning tools and discretionary portfolio management, we build plans based on our client’s risk tolerance. As portfolio managers, we manage our clients’ portfolios on a daily basis and guide their objectives, which range from developing a health care strategy to attending to estate planning needs.

How do you help your clients achieve their objectives?

Focusing our attention on our clients’ financial details means working toward their goal of living the lifestyle they have always envisioned. Having the resources in place to enjoy the next stage of their lives is important in achieving those goals. Perhaps they want to master a new language or travel to see family. Moving financial worry away from the front of their minds can put big concerns to rest.

What specific strategies do you offer your clients?

Our focus is on financial planning which includes retirement planning, retirement income planning, estate planning, college education planning, custom portfolio management, 401k rollovers, traditional and Roth IRAs, tailored lending, alternative investments, long-term care and life insurance planning.

What makes your group passionate about what you do?

Our clients have spent their working years building a legacy. We enjoy helping them build the next phase of their lives. Having an advisor who can walk that path with them can mean the difference between living, and enjoying, their retirement.