How We Work With Our Wealth Management Clients

As Certified Financial Planners our group focuses on providing comprehensive wealth management and financial planning services to a select group of clients based in both New England and across the country.   We take a holistic approach to our planning process by incorporating all aspects of your financial life to truly understand the best way to make your assets work for you. 

Our four step wealth management process begins with a detailed discussion of your overall financial picture, including your current and future financial goals and objectives.  We focus on what is important to you; achieving a comfortable retirement lifestyle, planning for your children’s college education, ensuring that your estate plan is in line with your goals, providing for your significant other in the event of death, disability or long term care needs, managing the liability side of your balance sheet, or reviewing your current investments and recommending an appropriate asset allocation.  We believe that this conversation is the foundation for understanding our clients’ desires and developing a plan that is tailored to their needs. 

Taking our initial conversation into consideration, we will work with you to develop a written plan that is designed to help meet your short and long term financial goals.  We will provide you with specific investment and planning recommendations to demonstrate the value we can add to your situation.

On a regular basis we will work with you to review your investment performance and make necessary adjustments to your financial plan.  We recognize that your life is a moving picture and that your financial plan should be revisited to reflect any changes that may occur.
Check the background of Our Firm and Investment Professional on FINRA's BrokerCheck.*

Financial Planning

As Certified Financial Planners we believe that everybody has a financial plan, either by design or by default. We work with our clients to develop a comprehensive plan by design that is disciplined and covers all aspects of their financial life. Whether you are a business owner, retiree, or corporate executive, our team will take the time to understand your unique situation and customize a plan that complements your life.

Our interactive financial planning tools allow us to work with you in person or remotely to review and update your plan. Planning to retire soon? Contemplating purchasing a new home? Evaluating the sale of your business? We will work with you to model the effects of your decisions and help determine the best course of action for your financial future.

CRC 1937539

Retirement Plan Consulting

The Bonheur Scott Traino group also focuses on consulting with businesses and institutions for their employer-sponsored retirement plan needs. Whether you are evaluating alternative service providers or trying to take your existing plan and simply make it better, we assist you in assessing, analyzing and addressing the specific needs of your plan to help maximize its value to your employees and organization.

We consult for over 90 different retirement plan clients where there are typically 6 key areas of focus:

1. Help in improving participation rates & preparing employees for retirement
2. Ongoing support in understanding, managing and in many cases shifting fiduciary responsibility
3. Knowledge and experience in selecting and ongoing monitoring of plan investments
4. Guidance in evaluating and choosing a record keeper/provider
5. Help in understanding plan fees and expenses
6. Help in analyzing and maximizing plan design

For most of our clients, the 401k plan is only 1 of the many day to day responsibilities they have in their HR and Finance functions. With the ever changing retirement plan landscape, our goal is simplify and tighten up this part of your business.
The Bonheur Scott Traino Group focuses on working with executives of public, private, and venture backed companies. We understand the demands of running a company often don’t leave time for you to ponder your personal balance sheet and the complexities that wealth can bring.

Our clients often have unique challenges such as hedging and diversifying concentrated positions of company stock, determining the best time to exercise stock options, making elections around restricted stock grants, efficiently transferring wealth to the next generation, and fulfilling charitable inclinations.

We simplify our executive clients’ lives by focusing on their financial situation to allow them to do what they do best: run their business.

Team Awards

Location

35 Village Rd
Ste 601
Middleton, MA 01949
US
Direct:
(978) 739-3918(978) 739-3918
Toll Free:
(800) 343-1291(800) 343-1291

Meet Bonheur Scott Traino Group

About Me

Jason is an Executive Director and Corporate Retirement Director with the Bonheur Scott Traino Group at Morgan Stanley. With over 20 years of experience, he focuses on providing comprehensive financial planning and total asset & liability management to a select group of high net worth individuals, families, corporate executives, and business entrepreneurs.

Outside the firm, he frequently appears on lists of the top advisors in the country.  In 2018, Jason was named to Forbes Magazine's inaugural list of America's Best-in-State Wealth Advisors.  In 2014, the Financial Times included Jason as a member of their “Top 400 Financial Advisers”, a prestigious list of the “Top 400 Financial Advisors” nationally.  Jason was also named to the 2015 & 2017 Financial Times list of “Top 401k Retirement Advisors,” a distinction given to the top 401k plan advisors across the broker-dealer and RIA channels.  Within Morgan Stanley, Jason has earned the title of a Corporate Retirement Director, a designation given to approximately 2% out of 16,000 firm–wide advisors specializing in the retirement plan market.

Prior to joining Morgan Stanley and its predecessors in 2008, Jason was a top Wealth Management Advisor at UBS and Merrill Lynch for 11 years.  Continually refining his skills and deepening his knowledge base, Jason is a Certified Financial Planner™, Chartered Life Underwriter®, and Chartered Retirement Plans Specialist®.

A graduate of Springfield College, Jason coaches other Morgan Stanley Financial Advisors on how to run a successful wealth management practice.  Jason is also a member of Morgan Stanley’s Consulting Group Advisory Board.  In this regard, Jason advises and consults on this business line that manages over $1 trillion in client assets across the firm.

Jason, his wife Marissa, their son Niklas, and daughter Keeley, reside in North Reading, MA.  When not spending time with his family, he enjoys exercising and watching all New England professional sports.
Securities Agent: AL, AZ, CA, CO, CT, DE, FL, GA, HI, IL, IN, MA, MD, ME, MI, NC, NH, NJ, NM, NY, OH, PA, PR, RI, SC, TN, TX, UT, VA, VT, WA; Investment Advisor Representative; General Securities Representative; Managed Futures
NMLS#: 900143

About Me

Gregg E. Bonheur, CFP®, CLU®, CRPS®
Gregg E. Bonheur is a Financial Advisor with The Bonheur Scott Traino Group at Morgan Stanley.  With more than 26 years of experience with Morgan Stanley, UBS, and Merrill Lynch, Gregg delivers comprehensive wealth management services to high net worth individuals, families, and entrepreneurs to help manage and protect their assets for the long term.
To offer his clients some of the most innovative and up-to-date financial planning tools in the industry, Gregg attained the designation of Certified Financial Planner™.  As a CFP®, he utilizes his deep knowledge of investment management, estate planning, and retirement planning to deliver comprehensive solutions for his client’s needs.  Gregg is also a Chartered Life Underwriter® and a Chartered Retirement Plans Specialist®.  In 2016 the Financial Times named Gregg as a “Top 401(k) Retirement Plan Advisor,” a distinction given to the top 401(k) Defined Contribution plan advisors across the broker-dealer and RIA channels.

After serving an honorable five-year tour in the United States Marine Corps, Gregg attended the University of Massachusetts Lowell on a golf scholarship and was voted into the University’s Golf Hall of Fame in 1997.  While at UMass Lowell, he was selected for the University’s prestigious All American Golf Team and was named an All American Scholar.
Deeply committed to his community, Gregg is an active volunteer with various charitable organizations.  He currently serves on the Board of Directors of CLASS INC., an adult day care program for mentally and physically challenged adults.  In his free time, he enjoys golf, physical fitness, and travel.  A member of the Andover Country Club, Gregg is a 4-time Club Champion and a 3-time Senior Club Champion.  He and his wife live in Lowell, MA on the mighty Merrimack River.


Source:  The Financial Times Top 401 Retirement Plan Advisors is an independent listing produced by the Financial Times (September, 2016). The FT 401 is based on data gathered from financial advisors, regulatory disclosures and the FT’s research. The listing reflects each advisor’s status in seven primary areas including DC plan assets under management, growth in DC plan business and other factors.  This award does not evaluate the quality of services provided to clients and is not indicative of the Financial Advisor’s future performance.  Neither Morgan Stanley Smith Barney LLC nor its Financial Advisors or Private Wealth Advisors pays a fee to The Financial Times in exchange for the rating.
Securities Agent: AL, AZ, CA, CO, CT, DE, FL, GA, HI, IL, IN, MA, MD, ME, MI, NC, NH, NJ, NM, NY, OH, PA, PR, RI, SC, TN, TX, UT, VA, VT, WA; Investment Advisor Representative; General Securities Representative; Managed Futures
NMLS#: 178083

About Me

Michael G. Scott, CFP®, CLU®, CRPS®


Michael G. Scott is a Corporate Retirement Director, Senior Portfolio Manager, and Financial Advisor with The Bonheur Scott Traino Group at Morgan Stanley. With over 20 years of experience in the financial services industry, Michael focuses on portfolio management and retirement planning for corporate clients and high net worth individuals and their families.

Widely recognized as one of New England’s top personal Financial Advisors, Michael has been selected as a Five-Star Wealth Manager Award recipient by Boston Magazine every year since 2012. Additionally, he has been recognized by the Financial Times as a Top 401(k) Retirement Plan Advisor in 2016. Within Morgan Stanley, Michael has earned the title of Corporate Retirement Director, a designation given to approximately 180 Financial Advisors out of 15,000 firm-wide. He has also attained the Chartered Retirement Plan Specialist® certification, and works closely with corporate clients to consult and implement employer retirement plans.

As a Senior Portfolio Manager, Michael is able to identify, construct, and manage appropriate investment portfolios in accordance to client needs and objectives. He also holds the title of Certified Financial Planner™, which allows Michael to create financial plans based on client goals. He feels that investment recommendations are better aligned after you get to know your client. Additionally, Michael holds the designation of chartered life underwriter®, and can help clients with questions surrounding life insurance and long-term-care insurance.

In his free time, Michael serves as a coach with Methuen youth hockey and the Junior Warriors in Haverhill. An avid sports fan, he enjoys skiing, hockey, and golf. Michael lives in Methuen, Massachusetts with his wife and four children.
Securities Agent: AL, AZ, CA, CO, CT, DE, FL, GA, HI, IL, IN, KS, KY, LA, MA, MD, ME, MI, MO, MS, NC, NH, NJ, NM, NV, NY, OH, OK, PA, PR, RI, SC, TN, TX, UT, VA, VT, WA, WV; Investment Advisor Representative; General Securities Representative; Managed Futures
NMLS#: 1255347

About Me

Michele Vincent, Wealth Management Associate

 

Michele Vincent is a Wealth Management Associate with The Bonheur Scott Traino Group at Morgan Stanley.  With nearly 35 years of experience in the financial services industry, Michele focuses on client services and client communications for the group.

 

A veteran in the financial services industry, Michele started her career with Advest, Inc. in 1982.  She subsequently spent 15 years with Wachovia Securities as a Vice President and Complex Operations Manager.  She joined Morgan Stanley and its predecessors in 2006.  She holds Series 3, 7, 63, 65, and an insurance license.

 

Outside the office her hobbies include kayaking, camping, and gardening.  She enjoys spending time with her husband Denis and their two daughters.

About Me

Maura Lewis, Portfolio Associate

 

Maura Lewis is a Portfolio Associate with The Bonheur Scott Traino Group at Morgan Stanley.  With 25 years of experience in the financial services industry, Maura concentrates on client services and communications for the team.

 

Beginning her career with PaineWebber in 1991, she served first as a Registered Sales Associate and then spent 12 years as a Branch Operations Manager through the firm’s merger with UBS in 2001.  Maura holds the series 7 and 63 licenses.  She joined Morgan Stanley through its predecessors in 2009.

 

Maura’s hobbies include skiing and exercising, and she is passionate about all levels of sports.  Maura lives with her husband Barry, and their two daughters in Beverly, MA.

About Me

Ian O’Brien, Consulting Group Analyst

Ian O’Brien is a Consulting Group Analyst with The Bonheur Scott Traino Group at Morgan Stanley.  He is dedicated to offering the highest degree of service to the team’s 401(k) clients.

A 2016 graduate of the College of the Holy Cross with a Bachelor’s degree in Economics, Ian began his career in the financial services industry as an investment analyst with a 401(k) Defined Contribution consulting firm.  Ian holds his Series 63. 65 and 7 licenses.

In his free time, Ian plays ice hockey twice a week and watches as much Boston sports as he can.  Relishing every opportunity to get outside, he enjoys the beach most of all.  Ian lives in Charlestown, MA with his girlfriend.

About Me

Jacob Fudge, Client Service Associate

Jacob Fudge is a Client Service Associate with The Bonheur Scott Traino Group at Morgan Stanley.  He concentrates on maintaining effective client relationships for the team and consistently providing exemplary customer service.

A graduate of Bridgewater State University, Jacob received his Bachelor's degree in Business and Finance. Shortly after graduating in May of 2018, Jacob joined The Bonheur Scott Traino Group at Morgan Stanley.

Outside of the office Jacob enjoys golfing and hiking with family and friends. Jacob is also an avid Boston sports fan and frequently attends sporting events.
From Our Team

Statement of Services to Our 401k Plans


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
Five Smart Strategies to Use a Bonus or Raise

Five Smart Strategies to Use a Bonus or Raise

Have extra money coming in? Here are ways to put your money to work for you now, so you can reap the rewards down the road.

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
Financial Transition: A Guide for Women

Financial Transition: A Guide for Women

Here's how to take control of your finances if a death or divorce leaves you holding the reins.

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
6 Keys to Building a Startup

6 Keys to Building a Startup

Entrepreneurs share ideas and learnings from the experience of starting a company.

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
A New Roadmap for Mission Alignment

A New Roadmap for Mission Alignment

Non-profits, foundations and endowments need to ensure that their sources of capital are in sync with their stated goals.

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.
Art as An Asset
CRC 2274738 01/19

Art as An Asset

Art may play a significant role in the context of a collector's overall wealth. Generally, a collector may differentiate financial assets, including stocks, bonds and real estate, from other possessions, such as art.

More from Morgan Stanley

Morgan Stanley and Justin Rose: A Winning Team

Morgan Stanley and Justin Rose: A Winning Team

Morgan Stanley and our brand ambassador, PGA TOUR champion Justin Rose, share a set of core values and a common cause: giving books to children in need.
Learn more about Morgan Stanley and Justin Rose: A Winning Team
Your Financial World. On the Go.

Your Financial World. On the Go.

With the Morgan Stanley Mobile App, you’ll have the freedom to manage your investments and instantly access a suite of personal cash management tools.
Learn more about Your Financial World. On the Go.
Reserved | Living & Giving

Reserved | Living & Giving

Our complimentary program for eligible clients provides you and your family with access to exclusive offers and discounts from premium travel, automotive, health and wellness, and retail brands as well as curated insights from Morgan Stanley.
Learn more about Reserved | Living & Giving
Sign Up for eDelivery

Sign Up for eDelivery

With eDelivery, you’ll have easy access to statements, trade confirmations, general correspondence and much more.
Learn more about Sign Up for eDelivery
Access Morgan Stanley Online

Access Morgan Stanley Online

Morgan Stanley Online provides a comprehensive view of your assets and liabilities, projected income, breaking news, research and much more.
Learn more about Access Morgan Stanley Online
Ready to start a conversation? Contact Bonheur Scott Traino Group today.
Market Information Delayed 20 Minutes
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