Carl W Vail, CFP®
Senior Vice President, Wealth Management,
Financial Advisor,
Senior Portfolio Management Director
Direct:
(301) 556-2355(301) 556-2355
Toll-Free:
(800) 624-0673(800) 624-0673
My Mission Statement
I help my clients create a responsible financial process for sending their children to college and generating enough income to last a lifetime.
My Story
For over 25 years, I have dedicated my career to the field of financial advisory. It has been a remarkable journey, marked by continuous growth and the privilege of helping individuals and families achieve their financial goals. As a seasoned financial advisor, I have honed my skills and expertise to offer comprehensive financial planning solutions.
Throughout my career, I have had the pleasure of developing a thriving practice built on trust, integrity, and a genuine commitment to client success. By providing personalized guidance tailored to each client's unique circumstances, I have fostered long-lasting relationships based on mutual respect and shared objectives.
In addition to individual client engagements, I have been fortunate to share my knowledge and insights through hosting seminars and workshops. These events have served as platforms to educate and empower individuals to make informed financial decisions, equipping them with the tools and strategies to navigate the complex financial landscape.
One of the significant milestones in my journey was achieving the Certified Financial Planner (CFP) certification. This esteemed credential not only demonstrates my comprehensive understanding of financial planning principles but also underscores my dedication to maintaining the highest professional standards.
As a financial advisor, my mission is to provide clients with peace of mind and a roadmap to financial well-being. I take pride in helping individuals envision their financial future and guiding them step by step toward their desired outcomes. By leveraging my expertise in investment management, retirement planning, tax strategies, and risk management, I strive to optimize clients' financial positions and assist them in achieving their lifelong aspirations.
Looking forward, I am excited to continue my professional growth, adapt to evolving market dynamics, and embrace innovative approaches to financial planning. My passion for empowering clients and making a positive impact in their lives remains the driving force behind my unwavering dedication to this profession.
I am grateful for the trust clients have placed in me over the years and remain committed to providing exceptional financial guidance and unparalleled service. Together, let's embark on a journey toward financial success and a secure future.
Having a chat can be the beginning of our journey to help your future vision become a reality. I look forward to discussing how I can support and enhance the lifestyle for you, your children and your grandchildren now and for years to come. I look forward to hearing from you soon.
Throughout my career, I have had the pleasure of developing a thriving practice built on trust, integrity, and a genuine commitment to client success. By providing personalized guidance tailored to each client's unique circumstances, I have fostered long-lasting relationships based on mutual respect and shared objectives.
In addition to individual client engagements, I have been fortunate to share my knowledge and insights through hosting seminars and workshops. These events have served as platforms to educate and empower individuals to make informed financial decisions, equipping them with the tools and strategies to navigate the complex financial landscape.
One of the significant milestones in my journey was achieving the Certified Financial Planner (CFP) certification. This esteemed credential not only demonstrates my comprehensive understanding of financial planning principles but also underscores my dedication to maintaining the highest professional standards.
As a financial advisor, my mission is to provide clients with peace of mind and a roadmap to financial well-being. I take pride in helping individuals envision their financial future and guiding them step by step toward their desired outcomes. By leveraging my expertise in investment management, retirement planning, tax strategies, and risk management, I strive to optimize clients' financial positions and assist them in achieving their lifelong aspirations.
Looking forward, I am excited to continue my professional growth, adapt to evolving market dynamics, and embrace innovative approaches to financial planning. My passion for empowering clients and making a positive impact in their lives remains the driving force behind my unwavering dedication to this profession.
I am grateful for the trust clients have placed in me over the years and remain committed to providing exceptional financial guidance and unparalleled service. Together, let's embark on a journey toward financial success and a secure future.
Having a chat can be the beginning of our journey to help your future vision become a reality. I look forward to discussing how I can support and enhance the lifestyle for you, your children and your grandchildren now and for years to come. I look forward to hearing from you soon.
Securities Agent: PA, KS, MS, WV, UT, NY, IA, DE, DC, RI, KY, FL, CO, CA, OK, NH, MA, SC, GA, TX, NC, HI, CT, WA, OR, NJ, NE, AZ, AL, VT, VA, MI, IL, WI, MD, IN, AR, TN, NM, MN, ME, AK, OH, MO; General Securities Representative; Investment Advisor Representative
NMLS#: 1275743
NMLS#: 1275743
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Community Involvement
I am a strong believer that actions speak louder than words. In this case, I have personally hosted many seminars for young adults entering the workforce and individuals looking to have a refresh on their financial plan. I help support and improve the social wellbeing of our future generation. When I host these seminars, my goal is to bring positive, measurable change to both the communities in which you operate and to your business.
See below the seminars I've held, topics I spoke about, and how I impact the future decisions that one makes.
See below the seminars I've held, topics I spoke about, and how I impact the future decisions that one makes.
Financial & Retirement Planning
Even though investments may play a significant role in your entire financial situation, they shouldn't be your sole focus. I help go over the important facts of what financial plans should include. I help bring the confidence to your plan to help you and your family.
View your plan flyer
Teaching middle schoolers in Montgomery County, Maryland
While it’s important to start teaching your kids about money when they are young, it’s even more important as they get older. With the seminars that I hold, I go over key topics that can help.
Making great decisions
Winning Plays for Saving
I care about the next generation and help clients prepare themselves for their future children education. Thinking about the future can be tough and it does not have to be. I have experience with working with families and helping them save enough to send their kids to college without the worry. I welcome any guests to come to my events to learn how they can prepare.
Why it's important to save earlyMy Designations
I have come to understand that wealth does last forever if you have a plan. I've been a Financial Advisor since 1996 and since then I was given the Senior Portfolio Management Director destination and obtained the Certified Financial Planner™. These achievements allows me to better prepare clients for their future. What this designation holds, is a trust that will last a lifetime. I focus on what your future will look like so that you can focus on enjoying life. I am thankful for the opportunity and stewardship our clients entrust us with.
I help provide the vision and leadership necessary to plan and execute clients goals and help them prepare for their future generations. At every step that I take with you, I help you answer "Do I have enough to retire?". As your guide through this journey, I help simplify life's complexities.
I help provide the vision and leadership necessary to plan and execute clients goals and help them prepare for their future generations. At every step that I take with you, I help you answer "Do I have enough to retire?". As your guide through this journey, I help simplify life's complexities.
Memberships
- Financial Planning Association
- Previously held leadership positions with the local American Cancer Society
- Volunteer work with middle schoolers at Montgomery County, Maryland
- Member of the United States Tennis Association
Designations I Hold
- Certified Financial Planner
- Senior Portfolio Management Director
Bringing financial Stability to your life
As an advocate for Financial Literacy in the Montgomery County I support Financial Literacy education. For me, financial literacy means being equipped with the resources and knowledge to help all clients achieve their financial goals. I care about your every step and career choice in your life in order to help build a strong foundation for the future of your family.
How I Help The Future Generation
As children mature beyond stashing coins in piggy banks and begin managing their own money through more sophisticated vehicles like savings accounts, I host seminars that help young adults manage their own money. I help with planning their goals to allow young adults enjoy more of life.
CLIENT RESOURCES
Services Offered To You
Morgan Stanley Online
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What We Do For You
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Goals Planning System
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Digital Vault
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The Global Investment Committee's Lisa Shalett headlines this weekly look at markets, asset class performance and fixed income.
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Location
702 King Farm Blvd
Suite 500
Rockville, MD 20850
US
Direct:
(301) 556-2355(301) 556-2355
Toll-Free:
(800) 624-0673(800) 624-0673
Fax:
(301) 556-2399(301) 556-2399
Wealth Management
From My Desk
A Parent's Guide to Talking to Your Kids About Money
Wealth Management
Global Investment Office
Portfolio Insights
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
A Simple Six-Step Retirement Checkup
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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
Tax-Smart Ways to Sell Securities
How investors can tap their portfolios in tax-savvy ways.
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
529 Plans: A Powerful Tool to Save for Education
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Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Financial Planning for Life After Selling a Business
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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
Ready to start a conversation? Contact Carl W Vail today.
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.
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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2When 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 always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
3Investors 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.
4Morgan 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.
5Morgan 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.
6The returns on a portfolio consisting primarily of Environmental, Social and Governance (“ESG”) aware investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because ESG 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.
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
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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2When 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 always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
3Investors 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.
4Morgan 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.
5Morgan 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.
6The returns on a portfolio consisting primarily of Environmental, Social and Governance (“ESG”) aware investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because ESG 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.
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)
