Our Team at Morgan Stanley Loveland-Centerra Branch

About Craig A. Moddelmog Sr.

Craig A. Moddelmog Sr. is the financial quarterback for all the clients that he serves and executes a finely tuned process for creating a personalized strategy designed to integrate virtually all the pieces of your financial life. Craig's commitment to taking the time to fully understand who you are and what matters most to you allows him to deliver strategies intended to move in lockstep with your investment needs.

Craig's experience and knowledge allow him to assist clients with wealth accumulation, wealth preservation, and wealth transfer strategies through a disciplined wealth management process. This process encompasses asset allocation, client portfolio management, retirement planning, liability management, tax mitigation and asset preservation strategies.

Craig began his career in the financial services industry in 1993. Craig earned his B.S. from the University of Northern Colorado in 1991, and received Masters of Arts from The University of Northern Colorado in 1992. Craig holds several securities registrations including the series 7, 63, 65, 24, 9 & 10, and is a Chartered Retirement Planning Consultant, CRPC®, He also holds a Colorado Insurance license.
Securities Agent: HI, AR, AZ, CA, CO, CT, DC, DE, FL, GA, AK, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, PR, RI, SC, SD, TN, TX, UT, VA, VI, VT, WA, WI, WV, WY, AL; BM/Supervisor; General Securities Principal; General Securities Representative; Investment Advisor Representative
NMLS#: 2453753

About Bruce Hemmings

Bruce is in his 42nd year of providing professional, highly personalized financial planning, wealth management and investment services to ultra-high net worth individuals, families, and businesses in the Northern Colorado cities of Windsor, Greeley, Fort Collins, and Loveland. Through the years, Bruce and his clients have always valued consistency, resilience, and a steady hand. He found The Hemmings Group at Morgan Stanley in 2008.

Bruce is one of Morgan Stanley’s most highly credentialed advisors. He was selected as one of the firm’s Global Sports and Entertainment Directors, a prestigious distinction reserved for a select few financial advisors who have extensive experience working with team owners, athletes, coaches, social media influencers, successful actors, musicians, directors, producers, and writers, among other creatives.

Other distinctions highlight Bruce’s professionalism, success, and commitment to his clients. Forbes publication named Bruce Best-in-State Wealth Advisor for 2019, 2020, and 2021. He was named to Barron’ “Top 1200 Financial Advisors” in 2017 and was selected to attend the 2010 Barron’s Winners Circle Top Advisors Summit, one of just 500 advisors chosen to promote industry best practices and the value of professional advice.

Bruce earned a Bachelor of Science. in Business and Finance from the University of Northern Colorado, and also attended the Securities Institute at the Wharton School of Business at the University of Pennsylvania.

Bruce and his wife, Josie, have four adult children and five grandchildren. He is an active member of the Centurions in Northern Colorado and coached in Greeley’s Young American Basketball Program for over 20 years.


Disclaimers:
​2019, 2020, 2021 Forbes Best-In- State Wealth Advisors
Source: Forbes.com (Awarded 2019, 2020, 2021). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.

2017 Barron's Top 1,200 Financial Advisors: State-by-State (formerly referred to as Barron's Top 1,000 Financial Advisors: State-by-State)
Source: Barrons.com (Awarded 2017). Data compiled by Barron's based on 12-month period concluding in Sept of the year prior to the issuance of the award.

About Sara Hemmings

Sara uses her background as a Certified Financial Planner to help our clients structure wealth management strategies and personal financial plans that reflect their values, goals, and circumstances. She leverages sophisticated, detailed risk analysis and performance evaluation to align each client’s plan with their specific objectives. Sara was selected as a Global Sports and Entertainment Associate, due to her experience working with team owners, athletes, coaches, and social media influencers. She collaborates with their business managers, agents, attorneys, and accountants to help coordinate the overall management of their unique financial situation.

Prior to joining Morgan Stanley, Sara was captain of the Division I Women’s Basketball team at Colorado State University, where she led the team in assists as a senior, while also making the Mountain West All- Academic team, the Dean’s List, and earning a community service award. After graduation she was hired as an Assistant Coach for the CSU Women’s basketball team. Sara moved back to Northern Colorado and joined her father and brother-in law at Morgan Stanley in 2015, after working for Jackson National Life Insurance and Annuities and Michigan Financial Companies. She earned the Certified Financial Planner and Chartered Retirement Planning Counselor designation at the College for Financial Planning. These prestigious designations reflect her knowledge, skills, and commitment to upholding high ethical standards. Coaching has always been a part of Sara’s life and she continues to do so in her role at Morgan Stanley, as she now coaches' clients and their families to help them on their path to financial wellness.

Sara lives in Windsor Colorado with her son and daughter. She is an active member of the community coaching her kids in youth sports at the local YMCA, and Mighty Kicks Soccer. Sara supports many organizations focused on serving the community, including American Cancer Society, Hearts and Horses, Ace Scholarships, Partners Mentoring youth, and many others. She currently serves on the Executive Committee and Board of a Women’s Place in Weld County, an organization that helps domestic violence victims find safety and security. Sara believes that we are each called to give back, serve others, and work hard to make our lives, our families lives, and our communities better.

About Adam Goble

At Morgan Stanley, Adam focuses primarily on capital markets. He has been working with our clients to align their portfolios with their goals and objectives.

Adam began his career in financial services after serving six years in the U.S. Navy. He proudly served two combat tours in Iraq and Afghanistan, as a Navy Corpsman, earning an honorable discharge in 2008. Adam’s military background enhances his resourceful, measured approach to investment management.

He has been in financial services for 12 years, working for USAA for 3 years on a trade and service desk before becoming a comprehensive financial advisor. Adam has been with Morgan Stanley since 2014 and has attained the title of Portfolio Management Director and Vice President.

Adam earned a B.A. in Political Science from Metropolitan State University of Denver. In addition, he is a licensed Chartered Retirement Planning Counselor, highlighting his experience and a deep knowledge in virtually all areas of retirement planning.

Adam and his wife, Taylor, have two daughters and reside in Windsor, CO. An active member of the local community, Adam is a graduate of the Loveland Leadership class of 2015 and a member of the Larimer County Sheriff Centurions Organization.

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Branch Address

6125 Sky Pond Drive
Loveland, CO 80538
US
Branch:
(970) 776-5501(970) 776-5501
Toll-Free:
(866) 749-5423(866) 749-5423
Fax:
(970) 776-5502(970) 776-5502
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.

For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.

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2Tax laws are complex and are subject to change. 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. Individuals should always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.

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3Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.

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4Alternative 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.

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5Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.

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6The returns on a portfolio consisting primarily of sustainable investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because sustainability 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. Diversification does not guarantee a profit or protect against loss in a declining financial market.

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7Morgan 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.

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8Morgan 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.

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9Tax laws are complex and are subject to change. 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. Individuals should always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.

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10Morgan 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

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11Morgan 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

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Morgan Stanley is an equal opportunity employer committed to diversifying its workforce (M/F/Disability/Vet).

The investments and products listed may not be appropriate for all investors. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments or products, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. The appropriateness of a particular investment or product will depend upon an investor's individual circumstances and objectives.

Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.

© 2022 Morgan Stanley Smith Barney LLC. Member SIPC.

Awards Disclosures
CRC 6491812 04/2024