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 focusing on what truly matters to you. Together, we’ll craft a tailored plan centered around your goals and aspirations.
Our Story and Services
GCC Group at Morgan Stanley is a multi-generational, dynamic advisory team working with a select number of families, business owners, executives and medical professionals. We take pride in building long-term relationships with our clients and maintaining an exceptional level of service. Through a clear and comprehensive planning approach, we help clients navigate an increasingly complex financial landscape.
Our practice is built on three core principles:
A Planning Process That Puts You at the Center
With your long-term objectives as our guide, we craft a customized and flexible plan, adapting to your everchanging needs. Your plan encompasses everything from portfolio construction to tax planning; our process aims to align every step with your goals.
A Steadfast Commitment to Our Clients
Our clients are the foundation of our practice. We go above and beyond financial advice, providing support and counsel throughout all phases of your life. We'll work with you and your other trusted advisors as you navigate through important life decisions.
Generational Guidance and Experience
We are particularly committed to helping protect and preserve our clients' wealth, both in the present and for future generations. Utilizing our deep industry knowledge and resources from Morgan Stanley, we are dedicated and equipped to assist you and your family during all stages of life.
Services Include
- Alternative InvestmentsFootnote1
- Asset Management
- Business Succession PlanningFootnote2
- Estate Planning StrategiesFootnote3
- Financial PlanningFootnote4
- Cash Management and Lending ProductsFootnote5
- Professional Portfolio ManagementFootnote6
- Wealth ManagementFootnote7
- Retirement PlanningFootnote8
- Structured ProductsFootnote9
- Trust AccountsFootnote10
- Wealth PlanningFootnote11
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.
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.
Disclosure
Asset Allocation does not assure a profit or protect against loss in declining financial markets.
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.
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.
Corporate Executives
Custom tailored advice and strategies to help you manage your unique financial needs, including executive compensation, wealth preservation, and retirement planning.
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.
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.
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.
Tax-Efficient Strategies
Here at Morgan Stanley, we strive to simplify complex financial ideas so that our clients understand what is being done on their behalf to plan for their financial future. We want to provide our clients with as many resources as possible so they can stay informed about the latest market trends, outlooks, and breakdowns. The links below provide detailed analysis on interesting topics that are affecting the finance and business worlds.
Tax-Aware Investing
Factoring the impact of taxes into your investment decisions can help you keep more of your hard-earned money, both now and in the future.
Read More Here
Steps for Investors to Consider
As your finances grow, taxation can become more complicated. Look at these ideas for all-year tax information.
See the Steps Here
Tax-Smart Strategies for Retirement
Looking for ideas on how to be more tax efficient when planning for your retirement?
Read More Here
Tax 360 Brochure
Tax management that is integrated into your investment process 365 days a year can be an essential part of growing your wealth. That's why we offer access to a broad range of tax solutions to help you maximize your after-tax wealth.
Learn More Here
How to Access Your Tax Forms
1. Log into your account via Morgan Stanley Online
2. Click the Accounts tab
3. Select the Documents tab
4. Go to the Statement drop-down tab
5. Select Tax Documents and download them
Click Here to Log In to Morgan Stanley Online2. Click the Accounts tab
3. Select the Documents tab
4. Go to the Statement drop-down tab
5. Select Tax Documents and download them
2026 Tax Tables
If you are interested in seeing the updated tax tables and other details for 2026, see all additional information below.
View the 2026 Tax Tables HereClient Resources and Events
Financial freedom begins with a strong foundation of knowledge. We believe helping our clients stay informed is a core responsibility of our practice. Below you will find events, both in person and online, that may be relevant to your financial situation. If you would like to discuss any of these items, please reach out to our team.
Wealth Education for the Next Generation: Mental Health, Money and The Next Generation: Financial Wellness
Join us for a discussion about the connection between mental health, money habits, and long-term financial wellness. Helping the next generation build healthy relationships with money means creating space for real dialogue: managing stress, navigating social pressure, making values-based decisions, and developing practical financial skills that support independence.
Monday, May 4, 2026 4:00 p.m. – 5:00 p.m. ET
Wealth Education for the Next Generation: Tying the Financial Knot: Navigating Joint Finances & Communication
As part of Wealth Education for the Next Generation, "Tying the Financial Knot" is about more than merging accounts—it's about aligning goals, setting expectations, and strengthening communication. Whether you're newly partnered, engaged, or married, navigating joint finances can be a powerful opportunity to define shared priorities: budgeting, saving, managing debt, planning for major milestones, and making decisions that feel fair to both people.
Monday, June 1, 2026 4:00 p.m. – 5:00 p.m. ET
Wealth Education for the Next Generation: Intro to Investing: Stocks, Bonds & Beyond
This conversation focuses on the basics of your financial life. It is about helping emerging investors understand the building blocks: how different asset classes work, how risk and return connect, and why time, diversification, and discipline matter.
Monday, July 6, 2026 4:00 p.m. – 5:00 p.m. ET
Wealth Education for the Next Generation: Access 2025 Replays
View the videos from our previous sessions in 2025.
Reserved Living and Giving
Save on travel, dining, holiday gifts and more with Morgan Stanley's Reserved Living and Giving program.
Simplicity and Convenience for Your Day-to-Day Cash Management
Designed as a modern alternative to banking with all the capabilities to help you access, move, and manage cash how and when you need it. Plus unlock exclusive benefits. Learn more below.
Cybersecurity
Safeguarding your assets and information is one of our highest priorities, but you also have a critical role to play. Check out our collection of practical takeaways and best practices from our cybersecurity professionals, then explore a few of the ways we help protect you.
Location
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, Senior Portfolio Management Director
Phone:
(248) 723-1844(248) 723-1844
Henry Gembis, CFP®
Vice President, Financial Advisor, Workplace Advisor - Equity Compensation
Phone:
(248) 723-7822(248) 723-7822
Matt Dzieciolowski, QPFC
Financial Advisor, Financial Planning Specialist
Phone:
(248) 723-1851(248) 723-1851
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
Amanda DeVeaux
Wealth Management Associate
Phone:
(248) 723-1852(248) 723-1852
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 four 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, 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, 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: DE, VA, OH, CT, WI, MI, WA, DC, CO, SC, NY, MD, MA, IN, IL, GA, TX, NC, HI, AZ, NJ, ID, WY, FL, PA, CA, TN, NV; 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 Senior Portfolio Management Director for the team who, in addition to providing traditional advice and guidance, can help clients pursue their objectives by managing on a discretionary basis GCC Group’s personalized or defined strategies, which may incorporate individual stocks and bonds, model portfolios, and third-party investment strategies. Joe also holds the Qualified Plan Financial Consultant designation.
Securities Agent: VA, CA, SC, NJ, FL, DC, WA, HI, AZ, WY, WI, IN, CO, OH, NC, IL, DE, TX, TN, NV, CT, PA, GA, NY, MI, ID, MD, MA; 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 assists clients whenever their needs evolve. He holds the CERTIFIED FINANCIAL PLANNER® certification and has earned the title of Workplace Advisor - Equity Compensation.
Henry is a graduate of James Madison College at Michigan State University. Born and raised in southeast Michigan; Henry, his wife Margaret, and their family live in Birmingham. Henry enjoys playing golf, hockey and spending time with his family and friends.
Henry is a graduate of James Madison College at Michigan State University. Born and raised in southeast Michigan; Henry, his wife Margaret, and their family live in Birmingham. Henry enjoys playing golf, hockey and spending time with his family and friends.
Securities Agent: HI, GA, DC, MI, PA, MA, MD, IL, TN, SC, NY, ID, CT, CO, CA, AZ, WY, VA, OH, NC, FL, WI, NJ, IN, TX, DE, WA, NV; General Securities Representative; Investment Advisor Representative
NMLS#: 1662301
NMLS#: 1662301
About Matt Dzieciolowski
Matt Dzieciolowski is a dynamic addition to the GCC Group at Morgan Stanley. With a passion for helping people thrive, Matt brings a personal and energetic approach to financial planning—always aiming to help clients reconnect with what matters most and feel confident about their future.
After a successful run in the medical field supporting physicians in the clinic and the OR, Matt realized that his knack was always in the numbers. That insight led him to pivot into financial services, teaming up with longtime friend and dedicated financial advisor Joe Carter, along with Financial Advisor partners Jeffrey Gembis and Henry Gembis. Today, he’s all-in on helping clients build strong financial foundations through open communication, clarity, and customized strategies tailored to help clients in each stage of life. Matt holds both the Qualified Plan Financial Consultant designation and the Financial Planning specialist designation.
Matt lives in Rochester Hills with his wife and three kids, where they are actively involved in their church and the Holy Family community. When he's not coaching youth sports or cheering from the sidelines, he and his family love heading to Florida and rooting for Detroit’s sports teams—win or lose.
After a successful run in the medical field supporting physicians in the clinic and the OR, Matt realized that his knack was always in the numbers. That insight led him to pivot into financial services, teaming up with longtime friend and dedicated financial advisor Joe Carter, along with Financial Advisor partners Jeffrey Gembis and Henry Gembis. Today, he’s all-in on helping clients build strong financial foundations through open communication, clarity, and customized strategies tailored to help clients in each stage of life. Matt holds both the Qualified Plan Financial Consultant designation and the Financial Planning specialist designation.
Matt lives in Rochester Hills with his wife and three kids, where they are actively involved in their church and the Holy Family community. When he's not coaching youth sports or cheering from the sidelines, he and his family love heading to Florida and rooting for Detroit’s sports teams—win or lose.
Securities Agent: IN, GA, WY, HI, IL, DC, AZ, WI, SC, PA, MD, KY, NV, NC, LA, DE, CA, WV, TX, OH, TN, ID, NJ, MN, MA, CO, MI, KS, CT, WA, VA, MS, FL, NY; General Securities Representative; Investment Advisor Representative
NMLS#: 2730530
NMLS#: 2730530
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 Amanda DeVeaux
Amanda joined our team as a Wealth Management Associate in 2025. She is devoted to developing deep relationships with our clients to deliver personalized and efficient service. Amanda enjoys being able to assist clients throughout all their life events. She has been with Morgan Stanley since 2023 and has worked in the financial industry since 2014. She currently holds the General Securities Representatives License (Series 7), the Uniform Combined State Law License (Series 66) and the Life, Accident & Health Insurance License.
Amanda studied Communication at Saginaw Valley State University. Originally from Clinton Township, she now resides in Harper Woods. She is active in her community and serves as Program Chair for the Grosse Pointe Rotary Club.
Amanda studied Communication at Saginaw Valley State University. Originally from Clinton Township, she now resides in Harper Woods. She is active in her community and serves as Program Chair for the Grosse Pointe Rotary Club.
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
Contact Matt Dzieciolowski
Awards and Recognition
Forbes Best-In-State Wealth Management Teams
2023-2024 Forbes Best-In-State Wealth Management Teams Source: Forbes.com (Awarded 2023-2024). Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of year prior to the issuance of the award.
Forbes Best-In-State Wealth Advisors
2021-2024 Forbes Best-In- State Wealth Advisors Source: Forbes.com (Awarded 2021-2024). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
Forbes America's Top Next-Gen Wealth Advisors
2017-2018, 2020 Forbes America's Top Next-Gen Wealth Advisors (formerly referred to as Forbes Top 1,000 Next-Gen Wealth Advisors, Forbes Top 500 Next Generation Wealth Advisors) Source: Forbes.com (Awarded 2017-2018, 2020). Data compiled by SHOOK Research LLC based on 12-month period concluding in Mar of the year the award was issued.
3
The Power of Partnerships
By partnering with experienced individuals across wealth disciplines, Morgan Stanley Financial Advisors can align specialized resources with your custom needs and deliver strategic guidance through the familiarity and trust of existing relationships
Kristopher Johnson
Private Banker
Sally A. Cholewka, CFP®
Financial Planning Director, Vice President
About Kristopher Johnson
Kristopher Johnson is a Private Banker serving Morgan Stanley Wealth Management offices in Michigan and Ohio.
Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Kristopher began his career in financial services in 2008 and joined Morgan Stanley in 2017. Prior to joining the firm, he was a Wealth Management Banking Advisor at Bank of America Merrill Lynch. He also served as a Wealth Management Lending Officer and Sales Trainer at Bank of America Merrill Lynch.
Kristopher is a graduate of the University of Michigan, where he received a Bachelor of Arts in Political Science, and Arizona State University’s W.P. Carey School of Business, where he received his Masters of Business Administration in Finance. He lives in Rochester, Michigan with his wife. Outside of the office, Kristopher enjoys exercising, watching sports, volunteering with local organizations, and spending time with family and friends.
Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Kristopher began his career in financial services in 2008 and joined Morgan Stanley in 2017. Prior to joining the firm, he was a Wealth Management Banking Advisor at Bank of America Merrill Lynch. He also served as a Wealth Management Lending Officer and Sales Trainer at Bank of America Merrill Lynch.
Kristopher is a graduate of the University of Michigan, where he received a Bachelor of Arts in Political Science, and Arizona State University’s W.P. Carey School of Business, where he received his Masters of Business Administration in Finance. He lives in Rochester, Michigan with his wife. Outside of the office, Kristopher enjoys exercising, watching sports, volunteering with local organizations, and spending time with family and friends.
NMLS#: 630462
About Sally A. Cholewka
Sally A. Cholewka is a vice president and financial planning director, serving Morgan Stanley Wealth Management offices in Southeast Michigan. She is responsible for helping financial advisors with their clients' and prospects' financial planning needs.
Sally began her career in financial services in 2010 and joined Morgan Stanley in 2021. Prior to her current position, she worked as director of financial planning for a group of independent financial advisors affiliated with LPL Financial. Her role for over the last decade has been to facilitate retirement income planning, tax aware positioning and estate & legacy conversations.
Sally has held her CERTIFIED FIANCIAL PLANNER™ designation since 2017. A graduate from the University of Iowa, she proudly identifies as a “Midwesterner,” having lived or worked in Iowa, Minnesota, Illinois and Michigan. She currently lives in Shelby Township, MI with her husband and daughter. Outside of work, Sally enjoys vacationing with her family, boating, and volunteering with the SIFMA Foundation’s “InvestWrite” national writing competition for elementary age children.
DISCLOSURE:
Important information about your relationship with your Financial Advisor and Morgan Stanley Smith Barney LLC when using a Financial Planning tool. When your Financial Advisor prepares a Financial Plan, they will act in an investment advisory capacity for thirty (30) days after the delivery of your Financial Plan. To understand the differences between brokerage and advisory relationships, you should consult your Financial Advisor, or review our “Understanding Your Brokerage and Investment Advisory Relationships,” brochure available at https://www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
You have sole responsibility for making all investment decisions with respect to the implementation of a Financial Plan. You may implement the Financial Plan at Morgan Stanley or at another firm. If you engage or have engaged Morgan Stanley, it will act as your broker, unless you ask it, in writing, to act as your investment adviser on any particular account.
Morgan 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.
Morgan 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, charitable giving, philanthropic planning and other legal matters.
© 2026 Morgan Stanley Smith Barney LLC. Member SIPC.
Sally began her career in financial services in 2010 and joined Morgan Stanley in 2021. Prior to her current position, she worked as director of financial planning for a group of independent financial advisors affiliated with LPL Financial. Her role for over the last decade has been to facilitate retirement income planning, tax aware positioning and estate & legacy conversations.
Sally has held her CERTIFIED FIANCIAL PLANNER™ designation since 2017. A graduate from the University of Iowa, she proudly identifies as a “Midwesterner,” having lived or worked in Iowa, Minnesota, Illinois and Michigan. She currently lives in Shelby Township, MI with her husband and daughter. Outside of work, Sally enjoys vacationing with her family, boating, and volunteering with the SIFMA Foundation’s “InvestWrite” national writing competition for elementary age children.
DISCLOSURE:
Important information about your relationship with your Financial Advisor and Morgan Stanley Smith Barney LLC when using a Financial Planning tool. When your Financial Advisor prepares a Financial Plan, they will act in an investment advisory capacity for thirty (30) days after the delivery of your Financial Plan. To understand the differences between brokerage and advisory relationships, you should consult your Financial Advisor, or review our “Understanding Your Brokerage and Investment Advisory Relationships,” brochure available at https://www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
You have sole responsibility for making all investment decisions with respect to the implementation of a Financial Plan. You may implement the Financial Plan at Morgan Stanley or at another firm. If you engage or have engaged Morgan Stanley, it will act as your broker, unless you ask it, in writing, to act as your investment adviser on any particular account.
Morgan 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.
Morgan 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, charitable giving, philanthropic planning and other legal matters.
© 2026 Morgan Stanley Smith Barney LLC. Member SIPC.
Private Banking Group (PBG) Market Managers, Senior Private Bankers, Private Bankers, and Associate Private Bankers are employees of Morgan Stanley Private Bank, National Association.
Banking products and services are offered by Morgan Stanley Private Bank, National Association, Member FDIC.
Morgan 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
Important information about your relationship with your Financial Advisor and Morgan Stanley Smith Barney LLC when using a Financial Planning tool. When your Financial Advisor prepares a Financial Plan, they will act in an investment advisory capacity for thirty (30) days after the delivery of your Financial Plan. To understand the differences between brokerage and advisory relationships, you should consult your Financial Advisor, or review our “Understanding Your Brokerage and Investment Advisory Relationships,” brochure available at https://www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
You have sole responsibility for making all investment decisions with respect to the implementation of a Financial Plan. You may implement the Financial Plan at Morgan Stanley or at another firm. If you engage or have engaged Morgan Stanley, it will act as your broker, unless you ask it, in writing, to act as your investment adviser on any particular account.
Morgan 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.
Morgan 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, charitable giving, philanthropic planning and other legal matters.
Banking products and services are offered by Morgan Stanley Private Bank, National Association, Member FDIC.
Morgan 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
Important information about your relationship with your Financial Advisor and Morgan Stanley Smith Barney LLC when using a Financial Planning tool. When your Financial Advisor prepares a Financial Plan, they will act in an investment advisory capacity for thirty (30) days after the delivery of your Financial Plan. To understand the differences between brokerage and advisory relationships, you should consult your Financial Advisor, or review our “Understanding Your Brokerage and Investment Advisory Relationships,” brochure available at https://www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
You have sole responsibility for making all investment decisions with respect to the implementation of a Financial Plan. You may implement the Financial Plan at Morgan Stanley or at another firm. If you engage or have engaged Morgan Stanley, it will act as your broker, unless you ask it, in writing, to act as your investment adviser on any particular account.
Morgan 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.
Morgan 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, charitable giving, philanthropic planning and other legal matters.
Wealth Management
Global Investment Office
Portfolio Insights
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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
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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
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Financial Wellness
Enhancing Financial Wellness enables your workforce to do their best work. Companies that invest in financial wellness have an opportunity to:
- Reduce employee stress,
- Improve retention and engagement, and
- Set themselves apart by offering comprehensive financial wellness benefits.
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Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization’s initial and ongoing certification requirements to use the certification marks.
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. Morgan Stanley Wealth Management is a business of Morgan Stanley Smith Barney LLC.
8When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
9Structured Investments are complex and not appropriate for all investors. An investment in structured investments involves risks. These risks can include but are not limited to: fluctuations in the price, level or yield of underlying asset(s), interest rates, currency values and credit quality, substantial loss of principal, limits on participation in appreciation of underlying asset(s), limited liquidity, credit risk, and/or conflicts of interest. Many structured investments do not pay interest or guarantee a return above principal at maturity. Investors should read the security’s offering documentation prior to making an investment decision.
10Morgan 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.
11Morgan 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.
Morgan 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, charitable giving, philanthropic planning and other legal matters.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.
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 | Morgan Stanley
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. Morgan Stanley Wealth Management is a business of Morgan Stanley Smith Barney LLC.
8When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
9Structured Investments are complex and not appropriate for all investors. An investment in structured investments involves risks. These risks can include but are not limited to: fluctuations in the price, level or yield of underlying asset(s), interest rates, currency values and credit quality, substantial loss of principal, limits on participation in appreciation of underlying asset(s), limited liquidity, credit risk, and/or conflicts of interest. Many structured investments do not pay interest or guarantee a return above principal at maturity. Investors should read the security’s offering documentation prior to making an investment decision.
10Morgan 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.
11Morgan 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.
Morgan 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, charitable giving, philanthropic planning and other legal matters.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.
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 | Morgan Stanley
CRC 4665150 (8/2025), 4763067 (9/2025)
