About Me

Your wealth encompasses not only your financial success, but also the time you’ve invested in your family, the values that shape your life and the legacy you hope to leave to your children and grandchildren. As your Financial Advisor, I strive to help you preserve every facet of your wealth.

You have a vision of the future you want for yourself and your family. I work with you to translate that vision into a customized, goal-oriented wealth strategy that helps maximize opportunity and minimize risk. As a CERTIFIED FINANCIAL PLANNER™, I believe in looking at the big picture, combining comprehensive financial planning with personalized investment strategies and wealth management solutions designed to help you achieve your most important goals.
Having been with Morgan Stanley since 2000, I understand and am able to leverage the full resources of the firm to your benefit, coordinating the strategies and specialists required to realize your vision of the future. I aim to go above and beyond, connecting you with the people and solutions you need to simplify your personal, professional and financial life.
My goal is to build a long-term, multigenerational relationship with you, one that is founded on trust, integrity and exceptional service. I understand the diligence and determination behind the wealth you have created, and know that nobody will work harder to help you make informed, confident decisions about your financial future.
I look forward to learning more about you and your family. Let’s get together and talk things through.
Services Include
  • 401(k) Rollovers
  • Alternative Investments1
  • Financial Planning2
  • Lending Products
  • Long Term Care Insurance3
  • Philanthropic Services
  • Planning for Education Funding4
  • Professional Portfolio Management5
  • Retirement Planning6
  • Structured Products7
  • Structured Settlement Annuities
  • Trust Services*
  • Wealth Management8
Securities Agent: MD, WV, WA, VA, TX, TN, SC, PA, OR, OH, NY, NV, NC, MS, MI, MA, IL, GA, FL, DE, DC, CO, CA, AZ, AL; Managed Futures; General Securities Representative; Investment Advisor Representative
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*

CFP - Certified Financial Planner

    Awards

    We accomplish your planning through a four-step process:

    1) We gather complete financial information.  This includes financial documents, completed questionnaires, and investment & insurance statements. We discuss your current financial picture, your goals and needs, investment & estate objectives, income requirements, and your ability to assume capital and income risk.

    2) We complete a thorough analysis of this information.  Using asset and investment vehicle allocation, together with market analysis, we develop your Financial Plan, which includes investment strategy designed around the minimum risk necessary to meet your objectives.

    3) We review your Financial Plan.  This includes your Retirement Planning Analysis, Personal Liability & Risk Assessment and Investment Plan – a detailed investment strategy with specific asset allocation and investment vehicle recommendations.  We implement the plan.

    4) We monitor and periodically review your Financial Plan.  We will monitor both quantitative and qualitative aspects of your Plan and make necessary adjustments to reflect changes in your life, the financial markets, and economic conditions.  I ask that you commit to periodically meeting with me to update and review together your Financial Plan, so that you know where you stand relative to your financial goals.
    • 2012-2016, 2018 Five Star Wealth Manager - Baltimore Magazine

    Working With You

    We accomplish your planning through a four-step process:

    1) We gather complete financial information.  This includes financial documents, completed questionnaires, and investment & insurance statements. We discuss your current financial picture, your goals and needs, investment & estate objectives, income requirements, and your ability to assume capital and income risk.

    2) We complete a thorough analysis of this information.  Using asset and investment vehicle allocation, together with market analysis, we develop your Financial Plan, which includes investment strategy designed around the minimum risk necessary to meet your objectives.

    3) We review your Financial Plan.  This includes your Retirement Planning Analysis, Personal Liability & Risk Assessment and Investment Plan – a detailed investment strategy with specific asset allocation and investment vehicle recommendations.  We implement the plan.

    4) We monitor and periodically review your Financial Plan.  We will monitor both quantitative and qualitative aspects of your Plan and make necessary adjustments to reflect changes in your life, the financial markets, and economic conditions.  I ask that you commit to periodically meeting with me to update and review together your Financial Plan, so that you know where you stand relative to your financial goals.

      Client Service Team

      • Patty Allen - Client Service Associate
        Patty has been providing conscientious, personal and competent service to practice clients for 22 years. She looks forward to an opportunity to be of service to you.

      Location

      2330 W Joppa Rd
      Suite 255
      Lutherville, MD 21093
      US
      Direct:
      (410) 494-8097(410) 494-8097
      Toll-Free:
      (800) 662-2576(800) 662-2576
      Fax:
      (410) 494-1869(410) 494-1869
      Investment and Market Perspectives

      On the Markets

      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
      The Simple Six-Step Retirement Checkup

      The Simple Six-Step Retirement Checkup

      Given market volatility in 2018, checking in on your retirement plan may be one of the wisest New Year’s resolutions you can make.

      Investing

      Working closely with you to guide your wealth and investments through the most challenging market cycles.
      • Asset Management
      • Wealth Planning
      • Traditional Investments
      • Alternative Investments
      • Impact Investing
      Investing in Artificial Intelligence and Automation

      Investing in Artificial Intelligence and Automation

      AI is an exciting growth area, but the investing opportunities are not always obvious. Here’s how to integrate this theme into your portfolio.

      Family

      Creating customized financial strategies for the challenges that today's families face.
      • Estate Planning Strategies
      • 529 Plans / Education Savings Planning
      • Long Term Care Insurance
      • Special Needs Planning
      • Trust Services
      A Parent's Guide to Talking to Your Kids About Money

      A Parent's Guide to Talking to Your Kids About Money

      Raising kids to be smart about money requires creating an environment where they are neither insecure, nor overconfident about family finances.

      Business Planning

      Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
      • Succession Planning
      • Business Planning
      • Retirement Plan Sponsors
      • Qualified Retirement Plans
      • Corporate Pension Funds
      Facing Financial Stress? Your Employer May Be Able to Help

      Facing Financial Stress? Your Employer May Be Able to Help

      Many of us face money worries. You may be able to get advice and education from an unexpected source.

      Philanthropy

      Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
      • Endowments
      • Foundations
      • Donor Advised Funds
      • Impact Investing
      Choosing an Environmental Charity

      Choosing an Environmental Charity

      There are a multitude of non-profits dedicated to helping protect the environment. Here’s how to choose where you want to give.

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      Market Information Delayed 20 Minutes
      Certified Financial Planner™ Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and CFP® (with flame logo)® in the U.S., which it awards to individuals who successfully complete CFP® Board's initial and ongoing certification requirements.

      1Alternative 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 suitable only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.

      2Morgan 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.

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

      4Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or 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 legal matters.

      5Morgan Stanley’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be suitable 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.

      6Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or 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 legal matters.

      7Structured Investments are complex and not suitable for all investors, and there is no assurance that a strategy of using structured product for wealth preservation, yield enhancement, and/or interest rate risk hedging will meet its objectives.

      8Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or 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 legal matters.

      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 suitable 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”) 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.


      CRC 2019752 10/2018