Our Team at Morgan Stanley Bangor Branch

About Frederick M. Caswell

Securities Agent: CT, DE, FL, GA, IL, MA, ME, NC, NH, NJ, NY, TN, VT, WI; Investment Advisor Representative; BM/Supervisor; General Securities Representative

About Alby S. Toto

Alby Toto began his career in 1999 as a Financial Advisor in Boston, MA and now serves as Market Executive for Morgan Stanley's Northern States Complex where he leads an experienced and knowledgeable group of financial professionals in Vermont, New Hampshire and Maine.

Alby previously served as Branch Manager of Morgan Stanley's Ponte Vedra Beach and Amelia Island, Florida offices where he was focused on driving revenue and managing risk within those locations.

Prior to that assignment, Mr. Toto served as Associate Complex Manager and Business Development Manager in Morgan Stanley’s Northern States Complex where he was responsible for driving revenue and asset growth across Morgan Stanley’s robust platform and for improving the proficiency of our financial advisors.

Previously, Alby was a Portfolio Manager and Financial Advisor with extensive experience assisting corporate executives, entrepreneurs, trusts, families and corporations with customized portfolio construction and methodologies, financial, tax and estate planning strategies.

Alby received his Bachelor of Arts degree from Davidson College. Alby serves on the Board of Directors of The First Tee of North Florida. In his spare time, he enjoys golf and skiing.

About Jason Frank

Jason joined Morgan Stanley and returned to his home state of Vermont in 2010. He is currently the Associate Complex Manager for the Northern States Complex. Jason is responsible for covering offices across Vermont, New Hampshire and Maine. As an Associate Complex Manager, Jason works with Financial Advisors to help them grow their business through product and platform utilization as well as practice management.

Prior to his current role Jason served as a Senior Ultra High Net Worth Specialist within Morgan Stanley Private Bank, National Association, covering the New England Region. In this role Jason served as a Sr. Member of the Regional Private Bank team supporting Private Wealth Advisors throughout the Region and their UHNW clients. Prior to that he served as a Region Manager, Associate Region Manager and Private Banker for Morgan Stanley Private Bank, National Association, all within the New England Region. Prior to joining Morgan Stanley, Jason worked on the Business Development Sales and Strategy team at HSBC Private Bank in New York City. He also worked as a Branch Manager and Sales Manager for HSBC in Midtown Manhattan. He began his career in Financial Services in 2005 with HSBC in their Executive Management Training Program.

Jason graduated from St. Lawrence University with a Bachelor of Arts degree in Economics and Psychology and received a Master’s of Business Administration from Clarkson University. Jason is both a CFP® and CPWA® professional. He currently resides in Burlington, Vermont, with his wife and 3 children. Outside of the office, Jason has twice competed in the Ironman World Championship in Hawaii, is still an avid cyclist and actively involved with coaching his children’s various sports activities.

About Joyce A. Pike

Joyce Pike is the Complex Risk Officer for the Morgan Stanley Portland, ME branch. She works closely with the Regional Risk Team, Complex Manager, Branch Managers, Risk & Service Management Teams, Financial Advisors, and Support Professionals across the Complex. Joyce has 40 years of experience in the Financial Industry, starting her career at EF Hutton in the Burlington, MA branch and has held several positions including Senior Complex Risk Officer.
After over 50 years in Massachusetts, Joyce relocated to Maine in 2016. She currently lives in Norway with her husband and two cats. In her spare time, she enjoys the lake life and expanding their flower gardens.

About Eric J. Worthen

Eric has 14 years of experience in the financial industry including both positions as Administration Manager and most recently Branch Manager. Eric is fully registered and has a wealth of knowledge and experience supporting Financial Advisors and CSA teams in the branch system.
Eric grew up in the Midwest. He earned his bachelor's degree from the University of Missouri St. Louis (UMSL) in Fine Arts & Communications and his master's degree from Lindenwood University in St. Charles, Missouri, in Communications.
In 2018 Eric relocated to Maine with his wife Caitlin, two sons, Benjamin (8) and Miles (5), and dog, Olive (9). They live in Gray, Maine, and are enjoying New England life, spending as much time as possible outside: skiing, hiking, camping, playing soccer, etc.

About Alisa Sprowl

Alisa is the Branch Administrator for the Portland, ME subcomplex consisting of branches in Portland and Bangor, Maine. A native of Maine, she graduated from Saint Joseph’s College with a bachelor’s in business with a concentration in finance. Alisa has been with Morgan Stanley for over 15 years originally joining the Operations Department. Alisa was previously a mentor for the Olympia Snowe Women’s Leadership Institute where she worked with a group of girls during their Sophomore to Senior years. In her spare time, Alisa and her family enjoy spending time on the lake and traveling.

Interested in a Career at Morgan Stanley?

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Branch Address

23 Water Street
Bangor, ME 04401
US
Branch:
(207) 561-2000(207) 561-2000
Toll-Free:
(866) 247-3640(866) 247-3640
Fax:
(207) 561-2025(207) 561-2025
1When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.

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2Tax laws are complex and are subject to change. Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Individuals should always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.

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3Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.

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4Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.

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5Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.

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6The returns on a portfolio consisting primarily of sustainable investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because sustainability criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Diversification does not guarantee a profit or protect against loss in a declining financial market.

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7Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.

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8Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.

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9Tax laws are complex and are subject to change. Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Individuals should always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.

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10Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.

Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY

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11Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.

Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY

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Morgan Stanley is an equal opportunity employer committed to diversifying its workforce (M/F/Disability/Vet).

The investments and products listed may not be appropriate for all investors. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments or products, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. The appropriateness of a particular investment or product will depend upon an investor's individual circumstances and objectives.

Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.

© 2022 Morgan Stanley Smith Barney LLC. Member SIPC.

Awards Disclosures
CRC 6491812 04/2024