Kimberly Vallet
Registered Senior Client Service Associate
Phone:
(248) 740-7179(248) 740-7179
Joseph Fisher, CFP®, CIMA®, CMFC®
Senior Vice President, Wealth Management,
Financial Advisor,
Portfolio Management Director,
Insurance Planning Director,
Family Wealth Advisor,
Financial Planning Specialist,
Workplace Advisor – Equity Compensation
Direct:
(248) 740-7149(248) 740-7149
Toll-Free:
(800) 227-1931(800) 227-1931
My Mission Statement
Experience, intellectual capital and dedicated personal service to help you meet your life goals.
My Story and Services
A co-founder of the The GMA Group at Morgan Stanley, Joe works with select individuals, multi-generational families, physicians, and corporate executives. He takes pride in being the primary Financial Advisor for his clients and helps them with everything from education planning to estate planning strategies. Joe enjoys solving for the complexities that come with wealth and believes that investments should be the path of least resistance. His philosophy is that every client needs a financial plan. Joe and his team build deep relationships with all their clients and aspire to be the receivers of the very first call for every big life event.
With 15 years of experience, Joe is a Portfolio Management Director, Insurance Planning Director, Family Wealth Advisor and Financial Planning Specialist.
He has earned the CERTIFIED FINANCIAL PLANNER®, Certified Investment Management Analyst®, and Chartered Mutual Fund Counselor® professional certifications in order to keep up with the latest investment strategies that may be available to his clients. Joe and his team are proud to have been named as a Forbes Best-in-State Wealth Management Team for 2024. He is also honored to have been recognized as a 5 Star Wealth Manager from 2021-2023. Joe has a passion for educating his clients and was previously a college professor. He holds an M.B.A. from Baker College in Finance.
Joe lives in Grosse Pointe with his wife, Blair and their three children: Savannah, Edison, and Grant. He is an active member of the PTO at Kerby Elementary School. Outside of the office, Joe enjoys complex strategy board games, gardening, and Lionel trains.
Forbes Best-In-State Wealth Management Teams (2024)
Source: Forbes.com (Awarded Jan 2024) Data compiled by SHOOK Research LLC based for the period 3/31/22-3/31/23.
2021-2023 Five Star Wealth Manager Award
Source: fivestarprofessional.com (Awarded 2021-2023) These awards were determined through an evaluation process conducted by Five Star Professional, based on objective criteria, during the following periods:
2023 Award – 09/05/22 – 03/03/23 | 2022 Award - 09/03/21 – 03/11/22
2021 Award – 08/10/20 – 03/19/21
https://www.morganstanley.com/disclosures/awards-disclosure.html
With 15 years of experience, Joe is a Portfolio Management Director, Insurance Planning Director, Family Wealth Advisor and Financial Planning Specialist.
He has earned the CERTIFIED FINANCIAL PLANNER®, Certified Investment Management Analyst®, and Chartered Mutual Fund Counselor® professional certifications in order to keep up with the latest investment strategies that may be available to his clients. Joe and his team are proud to have been named as a Forbes Best-in-State Wealth Management Team for 2024. He is also honored to have been recognized as a 5 Star Wealth Manager from 2021-2023. Joe has a passion for educating his clients and was previously a college professor. He holds an M.B.A. from Baker College in Finance.
Joe lives in Grosse Pointe with his wife, Blair and their three children: Savannah, Edison, and Grant. He is an active member of the PTO at Kerby Elementary School. Outside of the office, Joe enjoys complex strategy board games, gardening, and Lionel trains.
Forbes Best-In-State Wealth Management Teams (2024)
Source: Forbes.com (Awarded Jan 2024) Data compiled by SHOOK Research LLC based for the period 3/31/22-3/31/23.
2021-2023 Five Star Wealth Manager Award
Source: fivestarprofessional.com (Awarded 2021-2023) These awards were determined through an evaluation process conducted by Five Star Professional, based on objective criteria, during the following periods:
2023 Award – 09/05/22 – 03/03/23 | 2022 Award - 09/03/21 – 03/11/22
2021 Award – 08/10/20 – 03/19/21
https://www.morganstanley.com/disclosures/awards-disclosure.html
Securities Agent: MN, AZ, OR, IA, GA, OK, NE, NC, MI, DC, LA, CT, AL, WI, VA, PA, NY, ME, IN, CO, TX, OH, MO, MD, UT, FL, WA, IL, ID, TN, NH, SC, NV, ND, CA; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1370422
CA Insurance License #: 0M13934
NMLS#: 1370422
CA Insurance License #: 0M13934
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Meet the Team
A lawyer, a doctor, a professor, a sales rep, and two new guys walks into a building with countless resources…
And while that may be the plot to the next comedy blockbuster, here at The GMA Group at Morgan Stanley it is the accumulation of life experiences that has led to decades of service across many industries. Once aggregated, this Financial Advisory team brings variety of thought and strategies well equipped to help suit you, your family, and your business.
Four members of the team are CERTIFIED FINANCIAL PLANNERS™(CFP®), but each have a different areas of focus that they focus on together. This allows for the GMA Group to be a a full-service practice with a feedback sharing culture to better serve our clients.
David R Zukowski, CFP®, CRPC®, RICP®
Senior Vice President, Wealth Management, Financial Advisor, Executive Financial Services Director, Insurance Planning Director, Portfolio Management Director, Financial Planning Specialist, Workplace Advisor – Equity Compensation
Email: David.Zukowski@morganstanley.com
Phone: (248) 740-7101
Brian Blaker
First Vice President, Wealth Management, Financial Advisor, Workplace Advisor – Equity Compensation
Email: Brian.Blaker@morganstanley.com
Phone: (248) 740-7168
Darsh Kumar, CFP®
Financial Advisor, Senior Portfolio Manager, Certified Financial Planner ®
Email: Darsh.Kumar@morganstanley.com
Phone: (248) 740-7135
Matthew Merrifield
Financial Advisor, Portfolio Manager, Financial Planning Specialist
Email: Matthew.Merrifield@morganstanley.com
Phone: 313-343-8425
JC Wilhelm, CFP®
Vice President, Wealth Management, Financial Advisor, CERTIFIED FINANCIAL PLANNER™,
Workplace Advisor - Equity Compensation, Portfolio Manager
Email: JC.Wilhelm@morganstanley.com
Phone: (248) 740-7142
Kim Vallet
Registered Senior Client Service Associate
Email: kim.vallet@morganstanley.com
Phone: (248) 740-7179
Jennifer Kafoury
Senior Client Service Associate
Email: jennifer.kafoury@morganstanley.com
Phone: (248) 740-7188
What are Alternative Investments?
Alternatives are the investments that go beyond traditional stocks and bonds. They can open doors to unique opportunities to help grow and protect your wealth, and have long sought to offer enhanced returns, portfolio diversification, lower volatility, as well as potential tax efficiency.
With 45+ years of experience and $230+ billion in client assets invested in alternatives, Morgan Stanley is an industry leader in the asset class. Individuals and institutions can gain access to exclusive offerings, preeminent fund managers and innovative investment opportunities spanning private equity, private credit, real assets, hedge funds and more.
See the link below for more information..
Disclosures
Alternative investments are often speculative and include a high degree of risk. Investors can lose all or a substantial amount of their investment. They may be highly illiquid, can engage in leverage, short-selling and other speculative practices that may increase volatility and the risk of loss, and may be subject to large investment minimums and initial lock-ups. They may involve complex tax structures, tax inefficient investing and delays in distributing important tax information. They may have higher fees and expenses that traditional investments, and such fees and expenses can lower the returns achieved by investors.
A Tradition of Serving Your Financial Needs
As your Portfolio Management Director, I will work closely with you to understand your needs while maintaining the focus and discipline necessary to guide your portfolio in the most challenging market cycles. A disciplined, four-step investment process underpins the program and helps to develop a long-term perspective about building and managing wealth.
By leveraging the global resources of Morgan Stanley, I am able to monitor the events that affect your financial objectives. I also study trends and developments that shape the investment environment, drive the economy and ultimately impact your portfolio's performance. You'll find that your experience with me, training and investment philosophy offer guidance—both in ongoing portfolio management decisions and understanding investment risk while keeping your long-term goals in view.
A Focused Approach to Investments
- Define Investment Strategy
- Establish Financial Objectives
- Evaluate and Select Investments
- Ongoing Review Process
A Commitment to You
- Asset-Based Fee
- Client Focus
- Comprehensive Communications
- Personalized Portfolios
Insurance Planning
Insurance Planning Directors at Morgan Stanley work directly with Financial Advisors to provide expert advice and analysis to clients on their insurance needs. This includes areas such as:
- Life Insurance
- Disability Income Insurance
- Long Term Care Insurance
- Property & Casualty Insurance
- Annuities
Disclosures
Morgan Stanley Smith Barney LLC offers insurance products in conjunction with its licensed insurance agency affiliates.
Since life insurance and long term care insurance are medically underwritten, you should not cancel your current policy until your new policy is in force. A change to your current policy may incur charges, fees and costs. A new policy will require a medical exam. Surrender charges may be imposed and the period of time for which the surrender charges apply may increase with a new policy. You should consult with your own tax advisors regarding your potential tax liability on surrenders.
Understanding Insurance
Insurance protects you and your loved ones against uncertainties. Insurance policies provide a payout for specified death, damage, or sickness in return for premium payments. These policies are a form of financial risk management that help protect you and the things you value. Insurance policies provide many benefits that may appeal to you including tax advantages, income replacement, and access to a non- equity market correlated asset class (the time when death, disability, or long term care needs strike and beneficiaries receive a payout is irrespective of market circumstances). These benefits would likely be attractive to those who
want tax preferred investments, need income replacement in case of pre-mature death, have long term care needs, are unable to work, or want access to an asset class that is not sensitive to market changes.
Insurance for Investors
Investors are searching for information to help them understand the headlines, current data and emerging trends. Learn key insights and ideas about insurance here from Morgan Stanley experts.
Insured Solutions: Protection for the Unexpected
A sound wealth plan requires more than just seeking returns. It also involves mitigating and managing risks, helping to protect you when the unexpected occurs. At Morgan Stanley, we offer a robust suite of insurance and annuities solutions backed by its licensed insurance agency affiliates that can aid in safeguarding you and your loved ones.
How Insurance Can Help with Retirement Planning
Life and long-term care insurance can enhance your financial plan, ensuring sufficient funds for retirement and other financial goals. Long-term care insurance and cash-value life insurance can help you keep more assets in your retirement portfolio, while also covering the cost of care or unexpected events. Integrating insurance into your long-term financial plan can affect the approach you take to structure and invest other assets.
How to Choose the Right Life Insurance for Your Needs
A life insurance policy can be customized to provide the coverage you may need at different stages of life. An individual term life insurance policy may make sense if you have a need for coverage for a distinct period of time. Permanent life insurance includes an investible savings component that you can, in some circumstances, tap while still living. A long-term care rider can help you cover the costs of a nursing home or health aides.
Location
130 Kercheval Avenue
Grosse Pointe, MI 48236
US
Direct:
(248) 740-7149(248) 740-7149
Toll-Free:
(800) 227-1931(800) 227-1931
Fax:
(248) 740-9530(248) 740-9530
Meet My Team
Jennifer Kafoury
Senior Client Service Associate
Phone:
(248) 740-7188(248) 740-7188
Wealth Management
From My Desk
Estate Planning Essentials: 7 Key Steps
Wealth Management
Global Investment Office
Portfolio Insights
This is a video content
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
Rational Investing in an Age of Uncertainty
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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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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
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.
Ready to start a conversation? Contact Joseph Fisher today.
CFP Board owns the marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the U.S., which it awards to individuals who successfully complete CFP Board's initial and ongoing certification requirements.
1Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are 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’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.
3Morgan 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.
4Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
5When 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.
6Structured 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.
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.
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.
CFP Board owns the marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque 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 | 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’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.
3Morgan 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.
4Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
5When 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.
6Structured 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.
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.
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.
CFP Board owns the marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque 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 | Morgan Stanley
CRC 4665150 (8/2025)
