Jeffrey Gembis, CIMA®, CRPC®
Managing Director, Wealth Management, Financial Advisor
Phone:
(248) 723-1501(248) 723-1501
GCC Group at Morgan Stanley
Direct:
(248) 723-1801(248) 723-1801
Toll-Free:
(833) 948-2115(833) 948-2115
Our Mission Statement
Our relationship with you begins with a deep understanding of your life’s priorities. This journey is about more than markets and returns – it’s about focusing on what truly matters to you. Together, we’ll craft a tailored plan centered around you, your family, your goals, and your aspirations.
Our Story and Services
Our approach centers on involving you fully in planning for your financial future. We begin our relationship by understanding your unique investment style, allowing us to identify and prioritize goals that matter most to you. With this insight, we can craft a tailored strategy to help maximize your financial resources and align with your vision for the future.
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Our Process
Our clients look to us for advice that includes their investments but goes far beyond to encompass business planning, investment management, lending strategies and other dimensions of their financial lives. That is why we employ a comprehensive financial planning approach that consists of the following steps:
Step 1: Initial Call
An Initial Call in which we’ll discuss what you hope to get from a relationship with us. We’ll ask you about your previous experiences with Financial Advisors or on your own. And we’ll discuss what you perceive to be your major objectives and potential obstacles to achieving them.
Step 2: Discovery Meeting
A Discovery Meeting in which we will take inventory of your finances and what you want your wealth to accomplish. We’ll identify your goals, attempt to quantify their cost, and determine whether you have the resources to help achieve them within your required timeframe.
Step 3: Plan Presentation
A Plan Presentation Meeting in which we’ll present your financial plan and the strategies it suggests for filling any gaps between your goals and resources. Your plan will contain an asset allocation based on the size of those gaps and your risk tolerance.
Disclosure
Asset Allocation does not assure a profit or protect against loss in declining financial markets.
Disclosure
Asset Allocation does not assure a profit or protect against loss in declining financial markets.
Step 4: Plan Implementation
Plan Implementation that involves bringing your plan to life. This may entail additional consultation with Morgan Stanley professionals who focus on business planning, lending strategies and other disciplines relevant to your situation. It will also involve the development of a personalized investment strategy.
Step 5: Ongoing Evaluation
Ongoing Evaluation to help us determine whether you are proceeding toward your financial destination as anticipated. We monitor your performance on an ongoing basis and may alter our strategies to help accommodate changing circumstances in your life or trends in the financial markets.
Next Steps
If this sounds like what you need to help gain confidence in your financial life and you’re ready to explore what that could look like, let’s schedule a time for a 30-minute connection conversation.
WHO WE SERVE
We take pride in building long-term relationships with our clients, as well as maintaining an exceptional level of professionalism. We give our clients the confidence they need to help navigate a challenging financial world through personalized service, transparency, and a perspective.
Retirees & Pre-Retirees
Whether you're planning for retirement, looking to turn your savings into income as you transition into retirement, or are seeking to make your nest egg last, we are here to consult you on all your financial needs.
Business Owners
Helping business owners with key strategic needs such as access to capital, plan administration and a variety of exit strategies.
Multi-Generational Legacy Planning
Our team is dedicated to helping you build a lasting legacy that aligns with your family’s unique values and vision. Through thoughtful, multigenerational planning, we work to support the continuity of your goals across generations, preserving what matters most to you.
Family Office
Your family is unlike any other. We look forward to learning more about you and your family, and discussing how we can help you safeguard what you have earned and pursue your most important life goals. We deliver an exceptionally attentive level of service and dedicate ourselves to finding possible solutions to the challenges our clients face, even those challenges that fall well outside the traditional role of wealth managers.
Disclosures
The term “Family Office Resources” is being used as a term of art and not to imply that Morgan Stanley and/or its employees are acting as a family office pursuant to Investment Advisers Act of 1940.
Disclosures
The term “Family Office Resources” is being used as a term of art and not to imply that Morgan Stanley and/or its employees are acting as a family office pursuant to Investment Advisers Act of 1940.
Ultra-High Net Worth Families
We have experience working with high-net-worth individuals and families, providing comprehensive wealth management services -- including investment management, risk management, tax planning and estate planning strategies -- tailored to help meet the unique goals and needs of you and your family.
Disclosures
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. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
Disclosures
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. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
Corporate Executives
Custom tailored advice and strategies to help you manage your unique financial needs, including executive compensation, wealth preservation, and retirement planning.
EVERYTHING YOU NEED, ALL IN ONE PLACE
As a Morgan Stanley client, you have access to a suite of digital tools and resources aimed at helping you manage your finances with greater ease.
Morgan Stanley Online
Beyond viewing your account balance and activity, Morgan Stanley Online (MSO) has a suite of features that allow you to manage your everyday finances from paying bills and sending money to transferring funds and authorizing transactions with eAuthorizations.
Morgan Stanley Online
Total Wealth View
View all your external financial accounts directly in Morgan Stanley Online or the mobile app. By linking your accounts, you’ll benefit from more informed wealth planning, secure data access and convenient connectivity.
Total Wealth View
Digital Vault
Digital Vault allows for easy sharing and convenient access to your most important documents from wills and deeds to financial statements and tax fillings. Easily manage your encrypted financial records all in one place.
Digital Vault
Morgan Stanley Mobile App
Securely access your Morgan Stanley account–from virtually anywhere.
Morgan Stanley Mobile AppLocation
40701 Woodward Ave
Ste 200
Bloomfield Hills, MI 48304
US
Direct:
(248) 723-1801(248) 723-1801
Toll-Free:
(833) 948-2115(833) 948-2115
Fax:
(248) 462-7526(248) 462-7526
Meet GCC Group
Joseph Carter, CRPC®, QPFC
Managing Director, Wealth Management, Financial Advisor, Portfolio Manager
Phone:
(248) 723-1844(248) 723-1844
Henry Gembis, CFP®
Vice President, Financial Advisor
Phone:
(248) 723-7822(248) 723-7822
Michelle Bisio
Assistant Vice President, Wealth Management Associate
Phone:
(248) 723-1884(248) 723-1884
Christina Gaitley
Assistant Vice President, Wealth Management Associate
Phone:
(248) 723-1886(248) 723-1886
Leslie Robison, CRPC®
Vice President, Group Director
Phone:
(248) 723-5319(248) 723-5319
About Me
An experienced professional, Jeff provides strategic vision and investment policy and delivers it to clients within the goals-based wealth management process. For over three decades, Jeff has been helping clients with the creation, preservation and management of their wealth through a variety of market cycles and often challenging economic conditions.
Jeff has earned and maintained the Certified Investment Management Analyst® (CIMA®) designation sponsored by the Investments and Wealth Institute™ (formerly IMCA) at the Wharton School. Jeff also holds the Chartered Retirement Planning Counselor™ designation awarded by the College for Financial Planning Institutes Corp.
A Michigan native and Michigan State University alumnus, Jeff and his wife, Melissa, have three grown children. He is a member of the Detroit Athletic Club, the Birmingham Athletic Club and Wawashkamo Golf Club on Mackinac Island. In his time away from the business, Jeff enjoys squash, golf and many other sports and spending time with his family.
Jeff has earned and maintained the Certified Investment Management Analyst® (CIMA®) designation sponsored by the Investments and Wealth Institute™ (formerly IMCA) at the Wharton School. Jeff also holds the Chartered Retirement Planning Counselor™ designation awarded by the College for Financial Planning Institutes Corp.
A Michigan native and Michigan State University alumnus, Jeff and his wife, Melissa, have three grown children. He is a member of the Detroit Athletic Club, the Birmingham Athletic Club and Wawashkamo Golf Club on Mackinac Island. In his time away from the business, Jeff enjoys squash, golf and many other sports and spending time with his family.
Securities Agent: MN, NJ, ID, KY, GA, TX, NC, HI, AZ, WY, LA, FL, WV, VA, OH, MS, CT, WI, MI, KS, WA, DC, CO, SC, NY, MD, MA, IN, IL, PA, CA, TN, NV, DE; General Securities Representative; Investment Advisor Representative
NMLS#: 535199
NMLS#: 535199
About Me
Joe takes pride in his detail-oriented approach in understanding client goals and designing strategies to help fulfill them. He is a graduate of Western Michigan University with a degree in Finance and emphasis on Securities Analysis. In addition to his financial education, Joe holds the Chartered Retirement Planning Counselor designation awarded by the College for Financial Planning Institutes Corp. Joe is a qualified Portfolio Manager for the team who, in addition to providing traditional advice and guidance, can help clients pursue their objectives by managing on a discretionary basis his own personalized or defined strategies, which may incorporate individual stocks and bonds, model portfolios, and third-party investment strategies.
Securities Agent: VA, NY, MI, ID, MD, MA, KY, CA, WY, WI, IN, CO, OH, NC, LA, IL, TX, TN, NV, MN, CT, SC, NJ, FL, DC, WA, HI, AZ, WV, MS, KS, DE, PA, GA; General Securities Representative; Investment Advisor Representative
NMLS#: 534289
NMLS#: 534289
About Me
Using a goals based approach to wealth management, Henry works to assist clients with establishing and achieving their financial goals. Henry is committed to accommodating the unique financial needs of each client. Henry guides and assist clients whenever their needs evolve. He holds the CERTIFIED FINANCIAL PLANNER™ certification.
Born and raised in Southeast Michigan, Henry is a graduate of James Madison College at Michigan State University. Henry enjoys playing hockey, golf, squash and spending time in northern Michigan.
Born and raised in Southeast Michigan, Henry is a graduate of James Madison College at Michigan State University. Henry enjoys playing hockey, golf, squash and spending time in northern Michigan.
Securities Agent: IN, TX, LA, KS, WA, NV, HI, NY, ID, CT, CO, CA, AZ, WY, VA, OH, NC, MN, FL, MI, MA, GA, DC, PA, WV, MD, IL, TN, SC, DE, WI, NJ, MS; General Securities Representative; Investment Advisor Representative
NMLS#: 1662301
NMLS#: 1662301
About Michelle Bisio
Michelle is dedicated to enhancing the client experience by providing exemplary, attentive service. Michelle handles all administrative aspects of our relationships, from establishing new accounts to servicing the existing relationship. She works to simplify client’s financial lives by integrating the breadth of investment and banking services available at Morgan Stanley.
When not delivering exemplary service to clients, Michelle enjoys spending time with family and supporting the Michigan State University Spartans. She and her husband Drew reside in Rochester Hills and have three children; Michael, Allison and Benjamin.
When not delivering exemplary service to clients, Michelle enjoys spending time with family and supporting the Michigan State University Spartans. She and her husband Drew reside in Rochester Hills and have three children; Michael, Allison and Benjamin.
About Christina Gaitley
Chris is committed to utilizing the breadth of our firm’s capabilities to provide outstanding, personalized service to our new and existing client relationships. In addition, she is a recognized leader, coach and mentor to client associates across our firm.
In her personal time, Chris is an active volunteer with efforts serving under-resourced families in the Detroit area. When home, she enjoys bike riding, reading, and spending time with her family. She and her husband Dave live with their two dogs in Grosse Pointe and have three adult daughters: Jenn, Erica and Cait.
In her personal time, Chris is an active volunteer with efforts serving under-resourced families in the Detroit area. When home, she enjoys bike riding, reading, and spending time with her family. She and her husband Dave live with their two dogs in Grosse Pointe and have three adult daughters: Jenn, Erica and Cait.
About Leslie Robison
Leslie is attuned to client priorities and looks to anticipate and address client needs. Leslie also is an integral member of the team and streamlines the team’s internal administration. Leslie takes tremendous satisfaction in helping clients pursue their goals. She prides herself on responsiveness and timeliness.
Leslie is a graduate of Central Michigan University. She and her husband, Jonathan, have two adult children and live in West Bloomfield, Michigan.
Leslie is a graduate of Central Michigan University. She and her husband, Jonathan, have two adult children and live in West Bloomfield, Michigan.
Contact Jeffrey Gembis
Contact Joseph Carter
Contact Henry Gembis
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
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
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
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
Donor Advised Funds: A Smart Way to Manage Your Giving
Article Image
Ready to start a conversation? Contact GCC Group 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.
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 appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan 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.
3Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
4Morgan 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.
5Morgan 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
6Morgan 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.
7Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
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
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 appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan 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.
3Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
4Morgan 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.
5Morgan 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
6Morgan 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.
7Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
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)
