Andy McKay, CFP®
Senior Vice President, Wealth Management, Financial Advisor, Portfolio Management Director
Phone:
(919) 785-7172(919) 785-7172
Josh Uthe, CRPS®, C(k)P
Senior Vice President, Wealth Management,
Institutional Consultant,
Corporate Retirement Director,
Workplace Advisor – Equity Compensation, Financial Wellness, Retirement
Direct:
(919) 785-7143(919) 785-7143
My Mission Statement
We are dedicated to protecting your prosperity and helping you use it to enhance your life, your community and your world.
My Story and Services
Josh Uthe is an Institutional Consultant for the Graystone Raleigh office. He primarily focuses on fiduciary and investment management for foundations, institutions, and investment committees.
Josh has more than two decades of experience in the financial services industry. He received his Bachelor of Arts in Economics with Honors from the University of North Carolina at Chapel Hill and has been designated a Certified 401(k) Professional (C(k)P) by The Retirement Plan University in collaboration with the UCLA Anderson school of management. He also holds accreditation as a chartered retirement plan specialist (CRPS).
Josh currently serves on the board of the Wake County Historical Society.
Josh has more than two decades of experience in the financial services industry. He received his Bachelor of Arts in Economics with Honors from the University of North Carolina at Chapel Hill and has been designated a Certified 401(k) Professional (C(k)P) by The Retirement Plan University in collaboration with the UCLA Anderson school of management. He also holds accreditation as a chartered retirement plan specialist (CRPS).
Josh currently serves on the board of the Wake County Historical Society.
Services Include
- Comprehensive Wealth Planning
- Retirement PlanningFootnote1
- Estate Planning StrategiesFootnote2
- Trust ServicesFootnote3
- Family Governance & Wealth Education
- Philanthropy Management
- Endowments and FoundationsFootnote4
- Risk Management
- Pre-Liquidity Planning
- Proprietary Investment Opportunities
- Institutional ServicesFootnote5
- Alternative InvestmentsFootnote6
- Corporate Stock Plans
- Sustainable & Responsible InvestingFootnote7
Securities Agent: PA, MD, LA, HI, IL, AR, WV, VT, GA, SC, PR, NV, NE, MS, MO, MA, OR, MN, CT, CA, UT, TN, NJ, ME, KS, DE, OK, OH, NH, NC, KY, IA, WA, TX, DC, CO, VA, NY, FL, AZ, SD; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1297809
NMLS#: 1297809
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Approach
Discovery Process
Investing the time to learn about you and your family; your assets and liabilities and the risk exposures, enables us to formulate strategies and customize the relationship to your needs.
Formulation of Tax, Trust and Estate Strategy
Working with your tax and legal advisors, we help analyze your income and estate tax circumstances to identify and tailor planning techniques that may be used to address your objectives.
Creation of Customized Strategic Asset Allocation
Your customized asset allocation reflects risk, opportunities and taxation across multiple entities, while integrating your investing and estate plans.
Integration of Tactical Asset Allocation
Short-term adjustments seek to capitalize on temporary market distortions. Before making adjustments, we analyze the impact of taxes and trading costs on potential returns.
Implementation of a Customized Wealth Strategy
After comprehensive due diligence and analysis of expected results across multiple market scenarios, strategies are chosen from our expansive investment platform.
Ongoing Assessment
In coordination with your other advisors, we can conduct ongoing reviews and comprehensive reporting to ensure that your strategy adapts to changing financial and family needs.
GRAYSTONE CONSULTING, A BUSINESSS OF MORGAN STANLEY
Graystone Consulting began in 1973. It is the combination of two premier consulting firms who had been industry leaders dating back more than forty years. Previously known as Citi Institutional Consulting, we rebranded the consulting group in 2009 after the merger of Smith Barney and Morgan Stanley. We created Graystone Consulting with a simple mission: to set the industry standard in institutional investment consulting services for sophisticated investors.
A central staff of more than 270 professionals supports Graystone out of offices in Purchase, NY, Wilmington, DE and New York City. Although our organization is global, seasoned Consulting Directors provide services locally. Our Consulting Directors have relevant industry experience and understand the unique needs of institutional investors. Over 200 Graystone professionals across the United States are responsible for their individual client relationships, and their practices are anchored by Graystone Institutional Consulting Directors.
Graystone Consulting is one of the only independent consulting firms of its kind to be associated with a large financial services provider. We address the complexities that face trustees, directors and investment committees. The strength of Morgan Stanley backs up our resources. As of December 31, 2020, Graystone Consulting consulted on over $336 billion of clients’ assets.
A central staff of more than 270 professionals supports Graystone out of offices in Purchase, NY, Wilmington, DE and New York City. Although our organization is global, seasoned Consulting Directors provide services locally. Our Consulting Directors have relevant industry experience and understand the unique needs of institutional investors. Over 200 Graystone professionals across the United States are responsible for their individual client relationships, and their practices are anchored by Graystone Institutional Consulting Directors.
Graystone Consulting is one of the only independent consulting firms of its kind to be associated with a large financial services provider. We address the complexities that face trustees, directors and investment committees. The strength of Morgan Stanley backs up our resources. As of December 31, 2020, Graystone Consulting consulted on over $336 billion of clients’ assets.
VALUABLE TOOLS AND RESOURCES
Josh believes financial education leads to better insights into investment strategies and discipline, and ultimately, better long-term decisions. As a result he is committed to providing you with important information about managing your wealth more effectively in today’s global markets.
Josh has assembled the following resources that reinforce the fundamental investment strategies and concepts of his practice. He's provided links to these materials, where available, and hopes you’ll return often to learn more about the topics that impact your overall wealth.
Josh has assembled the following resources that reinforce the fundamental investment strategies and concepts of his practice. He's provided links to these materials, where available, and hopes you’ll return often to learn more about the topics that impact your overall wealth.
GIC: On The Markets Research Reports
Detailed market commentary from Morgan Stanley's thought leaders on topics such as global equities, fixed income, monetary policy and more.
Read This Month's Edition Here
Thoughts On The Market Podcast
With perspectives on the forces shaping the market, join Mike Wilson, Chief Investment Officer and Chief US Equity Strategist for Morgan Stanley, as he and his colleagues discuss a variety of viewpoints regarding the latest trends in the financial marketplace.
Link Here
Wealth Management Insight Audiocasts
Wealth Management Insights brings you the latest investment advice from thought leaders within Wealth Management Investment Resources (WMIR). They provide their latest thinking on various market topics in 3-5 minute audiocasts.
Listen Here
GIC Weekly
The Global Investment Committee's Lisa Shalett headlines this weekly look at markets, asset class performance, and fixed income.
Read More
Location
3800 Glenwood Ave
Ste 500
Raleigh, NC 27612
US
Direct:
(919) 785-7143(919) 785-7143
Fax:
(919) 800-3740(919) 800-3740
Meet My Team
Whitney Walker
Portfolio Associate, Senior Registered Associate
Phone:
(919) 785-7151(919) 785-7151
About Andy McKay
Andy is a Financial Advisor at our Raleigh, North Carolina Office. Andy helps high net worth clients and families make smart decisions so their money is able to serve the people, causes and goals they cherish. Additionally, Andy focuses on retirement plan education and participation among Graystone's corporate retirement clients. His approach encourages participants to see successful retirement planning as a lifelong process.
Andy is a Certified Financial Planner(TM) with seventeen years of experience in the financial services industry. He has worked at Morgan Stanley since 2010 and has been a member of the Graystone team since 2014.
Andy attends Edenton Street United Methodist Church (ESUMC) where he serves on the Finance Committee and previously served as Treasurer. He is an Assistant Scoutmaster with BSA Troop 395 and is an active member of F3.
Andy is a Certified Financial Planner(TM) with seventeen years of experience in the financial services industry. He has worked at Morgan Stanley since 2010 and has been a member of the Graystone team since 2014.
Andy attends Edenton Street United Methodist Church (ESUMC) where he serves on the Finance Committee and previously served as Treasurer. He is an Assistant Scoutmaster with BSA Troop 395 and is an active member of F3.
Securities Agent: SC, KY, UT, ME, DE, TN, GA, FL, AZ, SD, NC, CT, WV, WA, PA, OK, MO, IN, CO, NY, MA, AL, TX, NH, NE, KS, IL, DC, CA, OH, NV, LA, HI, OR, NJ, MS, IA, VA, MN, MD, AR, VT, PR, MI; General Securities Representative; Investment Advisor Representative
About Whitney Walker
Whitney Walker is a Senior Registered Associate at Graystone Consulting. Her role at the Raleigh, North Carolina office is to manage all aspects of the firm’s administrative efforts, as well as client service and retirement plan accounts. Whitney uses her nine years of financial industry experience to cultivate and grow relationships with clients to help ensure their financial needs are met by the firm.
Whitney earned a Bachelor of Business Administrative degree from Campbell University in 2015 in Buies Creek, North Carolina and joined Morgan Stanley in 2011. In 2017, she wanted to explore the retirement plan space and made the move to Graystone Consulting.
Whitney earned a Bachelor of Business Administrative degree from Campbell University in 2015 in Buies Creek, North Carolina and joined Morgan Stanley in 2011. In 2017, she wanted to explore the retirement plan space and made the move to Graystone Consulting.
Wealth Management
Global Investment Office
Portfolio Insights
This is a video content
Private Wealth Management Podcast
Bringing you engaging stories and key insights surrounding the complexities associated with significant wealth, including:
- Intergenerational Planning
- Philanthropic Giving
- Non-Traditional Assets
- Managing Family Wealth
LISTEN | Passion Assets: Investing in Art
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Insights and Outcomes
Thought Leadership for our ultra high net worth clients, which contains thought-provoking articles, authored by leading experts from Morgan Stanley Family Office Resources.
Retirement for Plan Sponsors
End-to-End Services, Made Simple:
We can provide the tools and guidance to help you manage a retirement plan.
We can provide the tools and guidance to help you manage a retirement plan.
- Plan Evaluation
- Investment Management
- Plan Management Support
- Plan Participant Education
State of the Workplace Study 2023
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Managing Significant Wealth
- Investment Management
- Wealth Transfer & Philanthropy
- Cash Management & Lending
- Family Governance & Wealth Education
- Signature Access
- Business Services
Funding Climate Action: Pathways for Philanthropy
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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.
Ready to start a conversation? Contact Josh Uthe today.
1When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
2Morgan 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.
3Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.
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 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, charitable giving, philanthropic planning and other legal matters.
5Morgan 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.
6Alternative 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.
7Investing in the market entails the risk of market volatility. The value of all types of investments may increase or decrease over varying time periods. The returns on a portfolio consisting primarily of sustainable or impact investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because sustainability and impact criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria.
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
2Morgan 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.
3Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.
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 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, charitable giving, philanthropic planning and other legal matters.
5Morgan 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.
6Alternative 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.
7Investing in the market entails the risk of market volatility. The value of all types of investments may increase or decrease over varying time periods. The returns on a portfolio consisting primarily of sustainable or impact investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because sustainability and impact criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria.
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)
