Michael Bellware, CRPS®, CFP®
Executive Director,
Financial Advisor,
Alternative Investments Director,
Family Wealth Director,
Senior Portfolio Management Director
Direct:
(248) 258-0251(248) 258-0251
Toll-Free:
(800) 258-1750(800) 258-1750
My Mission Statement
Experience, intellectual capital, and dedicated personal service focused on one thing - your future
About Us
Securities Agent: NM, MI, WA, CT, CO, MD, IL, VA, OK, NY, GA, DC, AZ, ME, KY, TX, NV, MT, OH, MA, IN, WI, TN, OR, MN, FL, CA, NC, KS; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1290383
NMLS#: 1290383
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
EXPERIENCE & AWARDS
2024 Forbes Best-In-State Wealth Management Teams
(as a former member of The Peninsula Group)
2023 Five Star Wealth Advisor Award
(as a former member of The Peninsula Group)
2023 Five Star Wealth Advisor Award
Education
Kalamazoo College, BA
Experience
2001 - Present: Morgan Stanley
Senior Vice President, Family Wealth Advisor
Financial Advisor
Birmingham, MI
Senior Vice President, Family Wealth Advisor
Financial Advisor
Birmingham, MI
Disclosures
2024 - Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded Jan 2024) Data compiled by SHOOK Research LLC based for the period:
3/31/22-3/31/23.
2023 Five Star Wealth Manager Award
Source: fivestarprofessional.com (Awarded 2023).
These awards were determined through an evaluation process conducted by Five Star Professional, based on objective criteria, during the following period:
09/05/22 through 03/03/23
For criteria & methodology, go to:
Disclosures LinkSource: Forbes.com (Awarded Jan 2024) Data compiled by SHOOK Research LLC based for the period:
3/31/22-3/31/23.
2023 Five Star Wealth Manager Award
Source: fivestarprofessional.com (Awarded 2023).
These awards were determined through an evaluation process conducted by Five Star Professional, based on objective criteria, during the following period:
09/05/22 through 03/03/23
For criteria & methodology, go to:
My Suite of Services
Cash Management
I can help your family with cash management, budget issues, advice on large purchases, or even help your child understand investments.
Portfolio Management
I will work closely with you to understand your needs while actively maintaining the focus and discipline necessary to guide your portfolio in the most challenging market cycles.
Retirement Planning
I especially enjoy assisting you as you approach retirement. I will make sure your financial choices reflect your goals and help you shift from wealth accumulation to income management and wealth transfer strategies.
Education Planning
Assisting my clients in planning for higher education is one of the many objectives I take pride in. Witnessing these aspirations come to fruition inspires me to go above and beyond for my clients.
401(k) Rollover
When transitioning to a new job, it's not uncommon to overlook the various possibilities presented by your employer's retirement plan amidst the numerous challenges you may face. I can aid you in evaluating your alternatives and examining the pertinent factors you should take into account.
Life Insurance
Creating a comprehensive wealth plan entails more than just pursuing returns. It also entails identifying and managing potential risks, providing a safety net for unforeseen circumstances. Allow me to assist you in preparing for and shielding against life's unpredictable twists and turns.
In The News
Hand picked topics where all things related to finance, lifestyle, and events can be found. I look forward to provide my clients with not only market and finance resources, but also with other helpful resources that can have a huge impact on you and your loved ones. Enjoy!
Wealth Education for the Next Generation: Understanding Market Dynamics
Sign up to join in on Monday, February 3 at 4:00 into the exciting journey into the world of finance and wealth education. At Morgan Stanley, we believe that knowledge is the key to unlocking future success, and we're excited to share our thought leadership and experience with you! Hosted by Caroline Gundeck, Head of UHNW Client and Field Engagement and Charline Burgess, Senior Wealth Education Specialist, you will learn about financial concepts, investing, and money management in a fun and interactive way.
Register Here
What Should I Do With My Money?
On this award-winning podcast, we match real people, asking real questions about their money, with experienced Financial Advisors. From prenups to passing a legacy to their children, from affording a dream home to literally wanting to save the planet, our guests discuss what matters the most to them and you get answers to some of the questions you might have yourself.
Listen Here
The GIC Weekly
The Global Investment Committee (GIC) is a group of seasoned investment professionals who meet regularly to discuss the global economy and markets. The committee determines the investment outlook that guides our advice to clients.
Read Here
US Policy Pulse
Monthly publication that assesses the market relevance of recent domestic policy events.
Read Here
Can Empty Offices Solve the U.S. Housing Shortage?
A dearth of residential housing and oversupply of vacant office space has raised interest in the idea of real-estate conversion. However, converting underused office space into residential space faces many economic and logistical hurdles. The complexity of building and zoning regulations in different cities may add extra limitations for would-be investors.
Read Here
Larry Fitzgerald Jr. Talks Philanthropy, Investing and Leadership After the NFL
Larry Fitzgerald Jr. is known for being a renowned NFL wide receiver, but he's also a passionate investor, entrepreneur and philanthropist. After transitioning from professional football, he's focused on opportunities to support innovation, mental and physical health, and financial education. His investments focus on companies that enrich people's lives and help underserved communities.
Read HereOutlooks & Updates
My goal is to make complex financial concepts understandable to my clients by presenting them in a clear and concise fashion, enabling them to gain a better understanding of the complexities involved in planning for their financial futures. I am a firm believer in providing my clients with a wealth of tools to help them remain current on market trends, analyses, and forecasts. The resources mentioned below provide in-depth analysis of current market events and financial issues affecting the business landscape.
Morgan Stanley Online
Morgan Stanley Online allows you to seamlessly and securely manage your investments and everyday finances in one place.
Morgan Stanley Online
eDelivery
Sign up for eDelivery today and start receiving email notifications as soon as your account documents are available on Morgan Stanley Online or the Morgan Stanley Mobile App. It's quick, convenient & secure.
Enroll Today
Portfolio Risk Platform
Our Portfolio Risk Platform, backed by institutional-caliber analytics, assesses thousands of risk factors using a holdings-based approach to assess a portfolio’s exposures, analyze how securities behave together across portfolios and forecast how they influence risk and return moving forward.
Portfolio Risk Platform
2025 Federal Tax Tables
This helpful resource outlines the 2025 tax rate schedule, education and health savings account limits, retirement contribution and deduction limits, among other information. With tax season seemingly always right around the corner, it's best to be as informed as possible.
Click Here
Morgan Stanley Ideas
The Morgan Stanley Ideas Podcast brings you revealing stories about the world of business, finance, technology and beyond.
Click Here
Reserved Living & Giving
Reserved Living & Giving is a complimentary loyalty program, with over 50 offers and discounts from premier brands, designed to enhance your lifestyle beyond traditional wealth management services. The program provides access to exclusive partner offers, insights from Morgan Stanley thought leaders and inspiring philanthropic stories.
Click Here
Preferred Savings
Take advantage of our Preferred Savings Program for Qualifying Cash offer with flexible options and more ways to save. There are two ways you may participate, either 1) bring new cash deposits from external sources or 2) use proceeds from the sale, income or distribution from securities in your eligible Morgan Stanley brokerage accounts.
Click Here
CD Rates
Get More Value For Your Cash With This Competitive New Money CD Offer From Morgan Stanley. Your funds will continue to receive a premium rate once the CD matures, making this offer an attractive option for your cash management strategy.
Click Here
Making a Difference Is at the Core of Our Firm
Morgan Stanley doesn’t do philanthropy the usual way. Our approach is rooted in creating significant and meaningful impact for people in the communities where we live and work, both by collaborating long-term with leading nonprofit organizations and by mobilizing our employees to leverage their collective talents to help make the world a better place.
We focus on children’s physical and mental health because it affects all of us and our future world. And we prioritize diversity, equity and inclusion across all of our programs to work towards ensuring that everyone benefits from our efforts to effect transformative change.
Click HereWe focus on children’s physical and mental health because it affects all of us and our future world. And we prioritize diversity, equity and inclusion across all of our programs to work towards ensuring that everyone benefits from our efforts to effect transformative change.
Client Service Team
Kristina Di Giacomo - Wealth Management Associate
Phone:
(248) 258-0254(248) 258-0254
Email:kristina.digiacomo@morganstanley.com
Kristina DiGiacomo is a accomplished Wealth Management Associate that has been with Morgan Stanley since 2019. With over 20 years of experience in the industry, Kristina began her career with Plante & Moran’s mergers & acquisitions team, and has since worked with Fifth Third Bank, Advance Capital Management, and Merrill Lynch. DiGiacomo graduated from the University if Detroit with her Bachelors in English, and a minor in Technical Writing.
Outside of work, Kristina spends her time volunteering at the Gleaners Food Bank, as well as various hobbies. These hobbies include European Fencing, historic reenactment, and costuming. She also loves to hike the southwest and Pennsylvania. A life-long Michigander, she currently resides in the West Bloomfield/Walnut Lake area with the love of her life for the last 26 years.
Outside of work, Kristina spends her time volunteering at the Gleaners Food Bank, as well as various hobbies. These hobbies include European Fencing, historic reenactment, and costuming. She also loves to hike the southwest and Pennsylvania. A life-long Michigander, she currently resides in the West Bloomfield/Walnut Lake area with the love of her life for the last 26 years.
Location
34901 Woodward Ave
Ste 300
Birmingham, MI 48009
US
Direct:
(248) 258-0251(248) 258-0251
Toll-Free:
(800) 258-1750(800) 258-1750
Fax:
(248) 462-7550(248) 462-7550
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
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
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
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
Donor Advised Funds: A Smart Way to Manage Your Giving
Article Image
Ready to start a conversation? Contact Michael Bellware 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.
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2When 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.
3When 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.
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.
5Morgan 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.
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.
7Morgan 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.
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
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2When 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.
3When 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.
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.
5Morgan 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.
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.
7Morgan 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.
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)
