Joel B Cohn, CFP®
Senior Vice President,
Financial Advisor
Direct:
(410) 494-8363(410) 494-8363
Toll-Free:
(800) 662-2576(800) 662-2576
My Mission Statement
Experience, intellectual capital and dedicated personal service to help you meet your life goals
My Story
Joel is a Financial Advisor and Vice President at Morgan Stanley Wealth Management with over 26 years of experience in the Financial Services Industry. He joined Morgan Stanley in 1996 after graduating with a Bachelor of Science in Economics from the University of Pennsylvania, Wharton School of Business.
Joel is a CERTFIED FINANICAL PLANNER™ and holds FINRA Series 7, 31, 66, and 65 as well as Life & Health Insurance Licensed. His primary responsibilities revolve around client relationships, investment strategies, managing risk, and generating income. He has a wide range of areas of expertise, with a strong focus on financial planning, 401(k) Rollovers, alternative investments, and estate planning strategies.
Joel is a lifelong resident of Baltimore and enjoys spending time with his wife, Jill and their two children, Alex and Hannah. He is an avid hiker and likes to explore Maryland terrain. Joel understands the importance of giving back to the community, serving on the Board Member of Beth Tfiloh Synagogue.
"As your Financial Advisor and a Certified Financial Planner, I will spend time to understand your financial concerns and work in partnership with you to develop a comprehensive plan that can best meet your needs. As our relationship builds over time, I will be able to anticipate your changing circumstances and help advise you on appropriate investment & planning strategies. I look forward to serving your long-term objectives. Please feel free to call me at any time."
Joel is a CERTFIED FINANICAL PLANNER™ and holds FINRA Series 7, 31, 66, and 65 as well as Life & Health Insurance Licensed. His primary responsibilities revolve around client relationships, investment strategies, managing risk, and generating income. He has a wide range of areas of expertise, with a strong focus on financial planning, 401(k) Rollovers, alternative investments, and estate planning strategies.
Joel is a lifelong resident of Baltimore and enjoys spending time with his wife, Jill and their two children, Alex and Hannah. He is an avid hiker and likes to explore Maryland terrain. Joel understands the importance of giving back to the community, serving on the Board Member of Beth Tfiloh Synagogue.
"As your Financial Advisor and a Certified Financial Planner, I will spend time to understand your financial concerns and work in partnership with you to develop a comprehensive plan that can best meet your needs. As our relationship builds over time, I will be able to anticipate your changing circumstances and help advise you on appropriate investment & planning strategies. I look forward to serving your long-term objectives. Please feel free to call me at any time."
Services Include
Securities Agent: AZ, FL, OK, WV, MD, IL, NC, CT, CA, TN, SC, CO, WA, VA, PA, OH, NY, GA, UT, NJ, MA, DE, AL, TX, DC; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1279243
NMLS#: 1279243
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Planning for What You Can Control: Retirement
A generation ago, retirees anticipated receiving full support from a combination of Social Security and company-sponsored plans. Today, with uncertainty tied to Social Security and continued changes in corporate retirement plans, it is increasingly important to plan for retirement.
Together we can formulate a retirement plan unique to you, to anticipate your wants and needs in the next chapter of your life.
Retirement is a time to travel, relax, and play with grandchildren, the last thing you want to worry about is money.
Together we can formulate a retirement plan unique to you, to anticipate your wants and needs in the next chapter of your life.
Retirement is a time to travel, relax, and play with grandchildren, the last thing you want to worry about is money.
My Process
Whatever your financial goal - whether to grow your wealth, preserve it or pass it on to others, you can count on me to help you with a strategy that is flexible to your wants and needs. Below is the process I take when meeting a new prospective client.
1. Introduction
I value getting to know my clients on a personal level. Our first call is to introduce ourselves and understand your unique background. After presenting the value I’ll add, we can schedule a follow up meeting to get to understand your entire financial background.
2. Discovery
We continue the dialogue we started, learning about the values that shape your decisions and identifying any unique circumstances around your wealth. We review the documents you prepared and begin to define your priorities and timelines.
3. Analysis and Plan Development
Here, I utilize industry-leading financial planning tools to develop a personalized and detailed financial plan with specific recommendations to help you grow and preserve your wealth. This serves as the foundation for building your initial plan, as well as future wealth management decisions.
4. Plan Presentation and Implementation
For this step, I will present the personalized plans that are designed to work towards the objectives we had set. Once you understand and approve the strategy, I will take the necessary steps to open accounts with Morgan Stanley and start to implement our investment plan.
5. Continued Service and Care
Committed to premium service, I focus on developing a relationship that provides special value to you and your family. As I begin to implement each strategy, I also want to continue to provide top tier attention to stay on top of those financial objectives and maintain a strong relationship with you.
Modern Wealth Management Tools
Morgan Stanley's comprehensive suite of digital resources has carefully been designed to help enhance each aspect of your financial portfolio. Take time to learn about some of the many Modern Wealth Management resources that we offer to our clients.
Morgan Stanley Online (MSO)
When you sign up for MSO, you can conveniently and securely manage your account online or on your mobile device.
Learn more about MSO
Total Wealth View
With this service, you can view all your assets and liabilities together – whether held at Morgan Stanley or elsewhere – in one place for a comprehensive overview of your assets.
Learn more about Total Wealth View
Cybersecurity
At Morgan Stanley, safeguarding your assets and personal information is among our highest priorities. Learn about our security measures and use our resources and ideas to help protect yourself online.
Learn more about Cybersecurity
eSign
eSign is a digital, paperless alternative to the traditional means of obtaining signatures from clients on paperwork. There is no registration process for you to begin using eSign - all you need is a valid email address and phone number.
Learn more about eSign
eDelivery
eDelivery allows you to securely save, print, send, and receive documents at any time from both Morgan Stanley Online and the Morgan Stanley Mobile App.
Learn more about eDelivery
MS Reserved
Reserved Living & Giving is a tiered complimentary loyalty program that rewards clients with over one million dollars in assets and liabilities invested at the firm. The program is designed to enhance your lifestyle and relationship with the firm beyond traditional wealth management services.
Learn more about MS ReservedPersonalized Solutions
From rolling over your 401(k) to buying a home to leaving a lasting legacy, I am here to answer your financial questions and implement the best strategies for your specific goals. Here are just some of the questions I help my clients answer every day.
Financial Planning
Life is constantly changing. How do I prepare for a more secure future knowing that certain events can dramatically impact my plans?
Retirement Planning
Have I saved enough for retirement so I can maintain my current lifestyle without worrying I’ll run out of money? What is the best way to re-invest my 401(k) when I get ready to leave my company and retire?
Professional Portfolio Management
I have a portfolio with many investments that I don't understand. How can one investment strategy balance them all?
Asset Organization
I have assets spread across multiple organizations and platforms. How do I get organized and simplify my financial life?
Managing Risk
Life’s risks can reveal themselves in many ways – from loss of life to loss of health. How do I protect myself and my family from life’s unknowns
Estate Planning
How do I balance leaving a lasting legacy with providing help for those who are important to me now?
Location
2330 W Joppa Road
Ste 255
Lutherville, MD 21093
US
Direct:
(410) 494-8363(410) 494-8363
Toll-Free:
(800) 662-2576(800) 662-2576
Fax:
(410) 494-1869(410) 494-1869
Wealth Management
Global Investment Office
Portfolio Insights
Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
A Simple Six-Step Retirement Checkup
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Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
The Robots are Coming
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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
- Business Planning
- Qualified Retirement Plans
Financial Planning for Life After Selling a Business
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Philanthropy
Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
- Foundations
- Donor Advised Funds
- Impact Investing
Ready to start a conversation? Contact Joel B Cohn 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.
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, charitable giving, philanthropic planning and other legal matters.
4Morgan 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.
5Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
6Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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.
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, charitable giving, philanthropic planning and other legal matters.
4Morgan 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.
5Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
6Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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)