Phone:
(410) 295-5877(410) 295-5877
Bay Shore Group at Morgan Stanley
Direct:
(410) 295-5804(410) 295-5804
Our Story and Services
"As your Financial Advisors, we can help you define and strive to meet your goals by delivering a vast array of resources to you in the way that is most appropriate for how you invest and what you want to achieve. Working together we can help you to preserve and grow your wealth. You’ll have access to some of the world’s most seasoned and respected investment professionals, a premier trading and execution platform and a full spectrum of investment choices."
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Our Clients
We help people just like you, in various stages of life.
We understand that your specific circumstances may require unique solutions. No problem: we’ll work with you individually to develop detailed wealth plans and thoughtful strategies.
We understand that your specific circumstances may require unique solutions. No problem: we’ll work with you individually to develop detailed wealth plans and thoughtful strategies.
Our satisfied clients include:
- Seniors near or in retirement
- Mid-career professionals and their families
- High net worth young investors
- Business Owners (including family businesses)
- Corporate executives
- Nonprofit organizations
Location
410 Severn Ave
Suite 211
Annapolis, MD 21403
US
Direct:
(410) 295-5804(410) 295-5804
Meet Bay Shore Group
Phone:
(410) 295-5804(410) 295-5804
Jim Vermilye, CFP®
Senior Vice President, Financial Advisor
Phone:
(410) 295-5806(410) 295-5806
Phone:
(410) 295-5880(410) 295-5880
Chase Hillyer
Client Service Associate
Phone:
(410) 295-5831(410) 295-5831
About Carlos B Wilder
Securities Agent: WV, WA, VA, TX, TN, PA, OK, OH, VT, NV, NM, NJ, NC, MS, MO, MI, MD, MA, LA, KY, KS, IL, GA, FL, DE, DC, CT, CO, CA, AZ, AL, SC, MN, NY, AR, NH; General Securities Representative; Investment Advisor Representative
NMLS#: 2095765
NMLS#: 2095765
About Frank Link
Frank is a student of the Capital Markets, having been in the financial services industry since 1989. His early career was as a Customer Service Associate where he learned to understand the value of incredible client service. He is proud to have been at Morgan Stanley for over 25 years, joining Morgan Stanley in 1999.
Frank earned his Bachelor’s Degrees in Economics and Political Science from the St. Mary’s College of Maryland. St. Mary’s is where Frank met his current business partners and laid the foundation for their long career together.
A lifelong resident of Linthicum, he and his wife Sandy have 2 adult sons: Cory and Andrew. Frank and Sandy volunteer their time with St. John Lutheran Church in Linthicum. Frank has served on the Finance Committee for over 30 years and has been a member of the Church Council for five terms. He acted as Treasurer for nine of those years. In his free time, he enjoys spending time with his family, working in the yard and playing golf.
Frank earned his Bachelor’s Degrees in Economics and Political Science from the St. Mary’s College of Maryland. St. Mary’s is where Frank met his current business partners and laid the foundation for their long career together.
A lifelong resident of Linthicum, he and his wife Sandy have 2 adult sons: Cory and Andrew. Frank and Sandy volunteer their time with St. John Lutheran Church in Linthicum. Frank has served on the Finance Committee for over 30 years and has been a member of the Church Council for five terms. He acted as Treasurer for nine of those years. In his free time, he enjoys spending time with his family, working in the yard and playing golf.
Securities Agent: OH, PA, SC, TN, TX, VA, WA, WV, OK, DC, CT, CO, CA, AZ, AL, VT, DE, FL, GA, IL, KS, KY, LA, MA, MD, MI, MN, MO, MS, NC, NH, NJ, NM, NV, NY; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1441537
CA Insurance License #: 0L56372
NMLS#: 1441537
CA Insurance License #: 0L56372
About Jim Vermilye
Jim’s passion is providing comprehensive financial planning for his clients. Through planning he is able to determine the best course of action for a client to pursue in order to meet their financial goals while minimizing risk. The rewarding feeling of watching clients meet their goals is a significant factor in Jim’s love of the job. As a CERTIFIED FINANCIAL PLANNER (CFP®), Jim is obligated to put the interests of clients ahead of his own, at all times.
Jim started his career at Legg Mason in 1993 working as a Client Service Supervisor. He would transition to Charles Schwab in 1997 where he graduated from The College for Financial Planning in 2000. Jim founded Wye Financial Services in Easton, Maryland in 2002 where he held the designation of Certified Trust Financial Advisor. He joined Robert W Baird in 2012 before continuing his career at Morgan Stanley in 2020.
Jim is a 1991 graduate of St. Mary’s College of Maryland with dual majors in Economics and Political Science. It was here that Jim met his current business partners which would lay the groundwork for their working relationship today.
He has been an active volunteer throughout his career. Jim has held the position of Treasurer of the Board for Gunston Day School, St. Mary’s School in Annapolis, Chesapeake College Foundation, Broadneck Area Youth Sports, and Building African American Minds. He is currently active in volunteering for Mid-Shore Community Foundation and Ulmstead Club, Inc.
In his spare time, he enjoys playing golf, boating and spending as much time as possible with his two children, Molly and Jay. He currently resides in Arnold MD.
Jim started his career at Legg Mason in 1993 working as a Client Service Supervisor. He would transition to Charles Schwab in 1997 where he graduated from The College for Financial Planning in 2000. Jim founded Wye Financial Services in Easton, Maryland in 2002 where he held the designation of Certified Trust Financial Advisor. He joined Robert W Baird in 2012 before continuing his career at Morgan Stanley in 2020.
Jim is a 1991 graduate of St. Mary’s College of Maryland with dual majors in Economics and Political Science. It was here that Jim met his current business partners which would lay the groundwork for their working relationship today.
He has been an active volunteer throughout his career. Jim has held the position of Treasurer of the Board for Gunston Day School, St. Mary’s School in Annapolis, Chesapeake College Foundation, Broadneck Area Youth Sports, and Building African American Minds. He is currently active in volunteering for Mid-Shore Community Foundation and Ulmstead Club, Inc.
In his spare time, he enjoys playing golf, boating and spending as much time as possible with his two children, Molly and Jay. He currently resides in Arnold MD.
Securities Agent: VT, MS, MA, CT, NV, WV, NC, TN, LA, TX, WA, MT, OR, SC, NJ, OH, OK, NM, DC, CA, FL, DE, CO, KY, KS, MD, VA, PA, NY, NH, MO, MN, MI, IL, GA, AZ, AL; BM/Supervisor; General Securities Principal; General Securities Representative; Investment Advisor Representative
NMLS#: 2087652
NMLS#: 2087652
About Thomas Hutcheson
Tom works with families, business owners and executives who need assistance with wealth and asset management. In 2002, he acquired the Certified Financial Planner (CFP) designation. Using financial planning, Tom has been able to guide his clients along their financial path while helping mitigate risk associated with investing.
Prior to entering the financial service industry, Tom managed an engineering company in Annapolis for five years. In 1994, he changed career paths and joined Bank of America Investments, LLC in Bethesda as a Financial Advisor. Tom decided to continue his vocation with Morgan Stanley in 2000.
He has a Bachelor’s Degree in Finance and an MBA, both from Virginia Tech. Tom and his wife, Beth, are residents of Gambrills. They have 3 grown sons and welcomed a new grandson this year. Tom is active in the Calvary United Methodist Church of Annapolis, Maryland. He enjoys being active by exercising, biking and hiking. A lifelong golfer, he is always interested in a competitive game.
Prior to entering the financial service industry, Tom managed an engineering company in Annapolis for five years. In 1994, he changed career paths and joined Bank of America Investments, LLC in Bethesda as a Financial Advisor. Tom decided to continue his vocation with Morgan Stanley in 2000.
He has a Bachelor’s Degree in Finance and an MBA, both from Virginia Tech. Tom and his wife, Beth, are residents of Gambrills. They have 3 grown sons and welcomed a new grandson this year. Tom is active in the Calvary United Methodist Church of Annapolis, Maryland. He enjoys being active by exercising, biking and hiking. A lifelong golfer, he is always interested in a competitive game.
Securities Agent: VA, WI, WV, OR, WA, OK, OH, NY, NV, NM, NJ, NH, NC, MS, MO, MN, MI, ME, MD, MA, LA, KY, IN, IL, HI, GA, FL, DE, DC, CT, CO, CA, AZ, AL, VT, KS, PA, SC, TN, TX, UT; BM/Supervisor; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1906096
NMLS#: 1906096
Contact Carlos B Wilder
Contact Frank Link
Contact Jim Vermilye
Contact Thomas Hutcheson
Wealth Management
From Our Team
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Enhancing Financial Wellness enables your workforce to do their best work. Companies that invest in financial wellness have an opportunity to:
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- Set themselves apart by offering comprehensive financial wellness benefits.
Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
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Certified Financial Planner Board of Standards, Inc. (CFP Board) owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™, and CFP® (with plaque design) in the United States, which it authorizes use of by individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
1Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
3Morgan 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
4Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
5When 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.
6Investors should consider many factors before deciding which 529 plan is appropriate. Some of these factors include: the Plan’s investment options and the historical investment performance of these options, the Plan’s flexibility and features, the reputation and expertise of the Plan’s investment manager, Plan contribution limits and the federal and state tax benefits associated with an investment in the Plan. Some states, for example, offer favorable tax treatment and other benefits to their residents only if they invest in the state’s own Qualified Tuition Program. Investors should determine their home state’s tax treatment of 529 plans when considering whether to choose an in-state or out-of-state plan. Investors should consult with their tax or legal advisor before investing in any 529 Plan or contact their state tax division for more information. Morgan Stanley Smith Barney LLC does not provide tax and/or legal advice. Investors should review a Program Disclosure Statement, which contains more information on investment options, risk factors, fees and expenses and possible tax consequences.
7Morgan Stanley’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be appropriate for you. Please see the Morgan Stanley Smith Barney LLC program disclosure brochure (the “Morgan Stanley ADV”) for more information in the investment advisory programs available. The Morgan Stanley ADV is available at www.morganstanley.com/ADV.
8When 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.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
1Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
3Morgan 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
4Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
5When 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.
6Investors should consider many factors before deciding which 529 plan is appropriate. Some of these factors include: the Plan’s investment options and the historical investment performance of these options, the Plan’s flexibility and features, the reputation and expertise of the Plan’s investment manager, Plan contribution limits and the federal and state tax benefits associated with an investment in the Plan. Some states, for example, offer favorable tax treatment and other benefits to their residents only if they invest in the state’s own Qualified Tuition Program. Investors should determine their home state’s tax treatment of 529 plans when considering whether to choose an in-state or out-of-state plan. Investors should consult with their tax or legal advisor before investing in any 529 Plan or contact their state tax division for more information. Morgan Stanley Smith Barney LLC does not provide tax and/or legal advice. Investors should review a Program Disclosure Statement, which contains more information on investment options, risk factors, fees and expenses and possible tax consequences.
7Morgan Stanley’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be appropriate for you. Please see the Morgan Stanley Smith Barney LLC program disclosure brochure (the “Morgan Stanley ADV”) for more information in the investment advisory programs available. The Morgan Stanley ADV is available at www.morganstanley.com/ADV.
8When 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.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
CRC 6491812 (04/2024)
