Welcome

Kurt Stein is a Financial Advisor who has worked with businesses and individuals for 30 years. He works with clients to develop comprehensive goal based plans for retirement income, investment management, insurance and estate planning strategies.

He started his second career as a Financial Advisor in 1989. Kurt is a Senior Financial Advisor helping individuals, families, small business owners pre-retirees and retirees to achieve their goals and objectives. He focuses on a planning based approach to establish goals and time horizons. With this framework, he builds a plan that is customized to each client’s wealth needs and risk tolerance.

Kurt continually seeks to increase his professional knowledge through two professional designations: Chartered Financial Analyst (CFA) and the Certified Financial Planner (CFP). This commitment to excellence demonstrates superior competency in advanced portfolio management, financial knowledge and technical skills, underpinned by ethical conduct and the highest standard of practice. These skills and knowledge translate directly into building and maintaining client portfolios that manage risk and create wealth.

Before starting as a financial advisor, Kurt graduated from the U.S. Naval Academy in 1978 and served on active duty for 10 years in the U.S. Marine Corps. Kurt stayed in the U.S. Marine Corps Reserves for another 11 years and retired as a Lt Col in 1999.

Kurt lives in Myersville with his wife of 40 years and enjoys reading about history, traveling to new places and playing golf with friend and clients.


CRC 2467923 3/19
Services Include
  • Stock Purchase Plans
  • Wealth Management1
  • 529 Plans2
  • Alternative Investments3
  • Annuities4
  • Asset Management5
  • Estate Planning Strategies6
  • Exchange Traded Funds7
  • Financial Planning8
  • Lending Products
  • Life Insurance9
  • Long Term Care Insurance10
  • Planning for Education Funding11
  • Planning for Individuals with Special Needs12
  • Professional Portfolio Management13
  • Retirement Planning14
  • Divorce Financial Analysis15
Securities Agent: TX, MD, WV, WI, WA, VA, TN, SC, RI, PA, OH, NY, NM, NC, MO, MI, ME, MA, KY, IN, IL, ID, HI, GA, FL, DC, CT, CA, AZ; General Securities Representative; Investment Advisor Representative
NMLS#: 1290468
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*

Experience

Business Experience
2012 - present: Morgan Stanley
1989 - 2012: Ameriprise Financial

    Personal Interests

    Golf, Reading and Traveling

    Client Service Team

    • Catherine Cretella - Portfolio Associate
      Cathy Cretella is a Portfolio Associate with the Frederick Spires Team. She has been with Morgan Stanley for over 10 years and is responsible for helping clients manage their personal, business, and cash management accounts with the highest level of personal service and integrity. With her in-depth knowledge of brokerage operations, she not only understands how to address each client’s concerns, she knows how to anticipate them as well. Her work ethic and extensive experience make her the go-to person to address many of our client’s needs. Cathy is registered with the Series 7 and 66.

      Cathy is a graduate of Mt. St. Mary’s University with a degree in Business and Finance. She lives in New Market with her husband and three children and spends time volunteering with her children’s sports teams and their church.

      CRC#2462699
      3/19

    Location

    30 W Patrick Street
    7th Fl
    Frederick, MD 21701
    US
    Direct:
    (301) 696-8254(301) 696-8254
    Toll-Free:
    (800) 634-0072(800) 634-0072
    Fax:
    (301) 663-4798(301) 663-4798
    Investment and Market Perspectives

    On the Markets

    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
    The Simple Six-Step Retirement Checkup

    The Simple Six-Step Retirement Checkup

    Given market volatility in 2018, checking in on your retirement plan may be one of the wisest New Year’s resolutions you can make.

    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
    Investing in Artificial Intelligence and Automation

    Investing in Artificial Intelligence and Automation

    AI is an exciting growth area, but the investing opportunities are not always obvious. Here’s how to integrate this theme into your portfolio.

    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
    From Clueless to Clued In: Teaching Teens About Money

    From Clueless to Clued In: Teaching Teens About Money

    As your children grow into young adults, you can help them learn how to manage their own finances. Here’s how to go about it.

    Business Planning

    Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
    • Succession Planning
    • Business Planning
    • Retirement Plan Sponsors
    • Qualified Retirement Plans
    • Corporate Pension Funds
    Facing Financial Stress? Your Employer May Be Able to Help

    Facing Financial Stress? Your Employer May Be Able to Help

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    Ready to start a conversation? Contact Kurt Stein today.
    Market Information Delayed 20 Minutes
    Certified Financial Planner™ Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and CFP® (with flame logo)® in the U.S., which it awards to individuals who successfully complete CFP® Board's initial and ongoing certification requirements.

    1Morgan 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.

    2Investors should consider many factors before deciding which 529 plan is appropriate. Some of these factors include: the Plan’s investment options and the historical investment performance of these options, the Plan’s flexibility and features, the reputation and expertise of the Plan’s investment manager, Plan contribution limits and the federal and state tax benefits associated with an investment in the Plan. Some states, for example, offer favorable tax treatment and other benefits to their residents only if they invest in the state’s own Qualified Tuition Program. Investors should determine their home state’s tax treatment of 529 plans when considering whether to choose an in-state or out-of-state plan. Investors should consult with their tax or legal advisor before investing in any 529 Plan or contact their state tax division for more information. Morgan Stanley Smith Barney LLC does not provide tax and/or legal advice. Investors should review a Program Disclosure Statement, which contains more information on investment options, risk factors, fees and expenses and possible tax consequences.

    3Alternative 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 suitable only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.

    4Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.

    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.

    6Morgan 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.

    7An investment in an exchange-traded fund involves risks similar to those of investing in a broadly based portfolio of equity securities traded on exchange in the relevant securities market, such as market fluctuations caused by such factors as economic and political developments, changes in interest rates and perceived trends in stock prices. The investment return and principal value of ETF investments will fluctuate, so that an investor's ETF shares, if or when sold, may be worth more or less than the original cost.

    8Morgan 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.

    9Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.

    10Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.

    11Morgan 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.

    12Morgan 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.

    13Morgan Stanley’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be suitable 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.

    14Morgan 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.

    15Morgan 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.

    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.

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    The securities/instruments, services, investments and investment strategies discussed in this material may not be suitable 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”) 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.


    CRC 2019752 10/2018