Ian McCormick
Private Banker
Nelson R Maler, CFP®
First Vice President,
Financial Advisor,
Senior Investment Management Consultant,
CERTIFIED FINANCIAL PLANNER®,
Financial Planning Specialist
Direct:
(541) 618-6425(541) 618-6425
Toll-Free:
(800) 547-1741(800) 547-1741
My Mission Statement
Experienced wealth planning services for your life and legacy goals
Welcome
The most important part of my job is listening to you, asking questions for understanding, caring about you as a person and earning your confidence. I believe that in order to successfully help you reach your financial goals, I need to understand you, your needs and your concerns.
I am based in the beautiful Southern Oregon Rogue Valley and love servicing Grants Pass, Illinois Valley, Cave Junction, Rogue River and the surrounding areas. Confidential meetings can take place in your home, your work, or my offices in Grants Pass and Medford.
When I meet with you, I will get to know your financial goals and aspirations so we can formalize a comprehensive financial plan and customize your wealth management strategy.
I focus in servicing individuals, couples, families and institutions in a comfortable, supporting and caring manner.
ABOUT NELSON
As a Financial Advisor and Certified Financial Planner™ Practitioner, I focus on providing comprehensive financial planning and customized wealth management for individuals, couples, families, businesses and institutions so as to help my clients manage, preserve and grow their wealth consistent with their financial goals and objectives.
I am a 30+ year veteran of the financial services industry with a CFP® designation, a Senior Investment Management Consultant designation, a Personal Financial Planning Certificate with distinction from U.C. Berkeley, an M.B.A. in Finance with honors from Golden Gate University, and a B.S. Magna Cum Laude from California Polytechnic State University in San Luis Obispo.
I currently serve as Past President of the Rotary Club of Grants Pass, is Past-Chair of the Josephine County / Grants Pass Chamber of Commerce Board. I am a Rotarian Advisor that serves on two Rotary District committees. I have served as past President of the Western Welcome Newcomers and past Chair of the Josephine County / Grants Pass Chamber of Commerce Finance Committee. I also volunteered as a Coach for Special Olympics and for numerous other community boards and activities.
I have a 27 year old daughter who is a retired professional ballet dancer and a 25 year old special needs son who is very active in sports. I recently married my wife and we enjoy traveling, being involved in our local community, and visiting wineries across the West Coast.
I am based in the beautiful Southern Oregon Rogue Valley and love servicing Grants Pass, Illinois Valley, Cave Junction, Rogue River and the surrounding areas. Confidential meetings can take place in your home, your work, or my offices in Grants Pass and Medford.
When I meet with you, I will get to know your financial goals and aspirations so we can formalize a comprehensive financial plan and customize your wealth management strategy.
I focus in servicing individuals, couples, families and institutions in a comfortable, supporting and caring manner.
ABOUT NELSON
As a Financial Advisor and Certified Financial Planner™ Practitioner, I focus on providing comprehensive financial planning and customized wealth management for individuals, couples, families, businesses and institutions so as to help my clients manage, preserve and grow their wealth consistent with their financial goals and objectives.
I am a 30+ year veteran of the financial services industry with a CFP® designation, a Senior Investment Management Consultant designation, a Personal Financial Planning Certificate with distinction from U.C. Berkeley, an M.B.A. in Finance with honors from Golden Gate University, and a B.S. Magna Cum Laude from California Polytechnic State University in San Luis Obispo.
I currently serve as Past President of the Rotary Club of Grants Pass, is Past-Chair of the Josephine County / Grants Pass Chamber of Commerce Board. I am a Rotarian Advisor that serves on two Rotary District committees. I have served as past President of the Western Welcome Newcomers and past Chair of the Josephine County / Grants Pass Chamber of Commerce Finance Committee. I also volunteered as a Coach for Special Olympics and for numerous other community boards and activities.
I have a 27 year old daughter who is a retired professional ballet dancer and a 25 year old special needs son who is very active in sports. I recently married my wife and we enjoy traveling, being involved in our local community, and visiting wineries across the West Coast.
Services Include
- Wealth PlanningFootnote1
- Estate Planning StrategiesFootnote2
- Philanthropic ManagementFootnote3
- Professional Portfolio ManagementFootnote4
- Business Succession PlanningFootnote5
- Cash Management and Lending ProductsFootnote6
- Life InsuranceFootnote7
- Long-term Care InsuranceFootnote8
- Endowments and FoundationsFootnote9
- Sustainable InvestingFootnote10
- Alternative InvestmentsFootnote11
- CommoditiesFootnote12
Securities Agent: ME, CT, CO, AZ, GA, TX, NC, MO, WY, OR, KY, IN, KS, NV, NM, MS, DE, AK, CA, VA, OH, NY, MT, ID, UT, WA, SC, MA, FL, HI; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1268321
CA Insurance License #: 0E89402
NMLS#: 1268321
CA Insurance License #: 0E89402
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Who Am I?
I am a CERTIFIED FINANCIAL PLANNER™ and Financial Advisor who takes a holistic approach in considering your financial goals and am committed to the highest standards of ethical behavior and demonstrated integrity. I provide comprehensive financial planning and customized wealth management for individuals, couples, families, businesses and institutions.
What We Do Together
- Help you work towards financial independence
- Identify and seek to manage risk issues
- Assist you in preparing for your family’s lifestyle needs
- Assist with retirement plans
- Coordinate with your tax and legal advisors to anticipate and plan for estate concerns
- Provide access to lending solutions, where appropriate.
- Identify and seek to manage risk issues
- Assist you in preparing for your family’s lifestyle needs
- Assist with retirement plans
- Coordinate with your tax and legal advisors to anticipate and plan for estate concerns
- Provide access to lending solutions, where appropriate.
Why I Chose a Wealth Advisory Career
My parents struggled hard for every dollar they had, but had no one to give them financial advice. Through uninformed choices, they passed away with nothing. I do not want that to happen to my family or my clients. I have always held the confidence of my clients as sacred and I am committed to giving you honest and candid advice with complete integrity. Throughout my 30 years in this industry, my driven purpose has been to assist people, businesses and organizations achieve their financial objectives and lifestyle goals.
My Strategic Long - Term Vision
To create a formalized, activated and monitored comprehensive financial plan for every individual, couple, family, business and institution, while providing unwavering client advocacy and stewardship.
My Tactical Short - Term Mission
Implement a custom-tailored, comprehensive wealth management strategy designed to help you achieve your financial goals and objectives by seeking to manage your risk and maximize potential opportunities for your financial and wealth planning journey.
My Investment Philosophy
- Work together with you to identify your goals, objectives, time horizon and risk tolerances
- Create a plan designed to help achieve your goals and objectives within your desired lifestyle
- Create a plan designed to help achieve your goals and objectives within your desired lifestyle
Being a Certified Financial Planner
I got my CFP® in order to show my clients that I have taken
the extra step to demonstrate commitment and
professionalism by submitting to the CFP® certification
process. This includes education, examination, and
ethical requirements. My goal as a financial advisor is to
counsel clients on how they should invest and behave
when any financial decisions are made.
the extra step to demonstrate commitment and
professionalism by submitting to the CFP® certification
process. This includes education, examination, and
ethical requirements. My goal as a financial advisor is to
counsel clients on how they should invest and behave
when any financial decisions are made.
The Value I Seek to Bring to our Relationship
- Assist you to simplify and organize your financial affairs
- Provide you with an opportunity to see your entire financial picture and understand your options
- Give you advice that is completely objective, independent and transparent
- Return back to you control of your financial destiny
- Proactively monitor and report on your plan to help ensure its progress.
- Provide you with an opportunity to see your entire financial picture and understand your options
- Give you advice that is completely objective, independent and transparent
- Return back to you control of your financial destiny
- Proactively monitor and report on your plan to help ensure its progress.
What Differentiates Us
For 85 years, Morgan Stanley has been a global leader in
financial services, with the scale and stability to help
bring you valuable opportunities. As a category 1
company, my priority is to offer white glove service to my
clients. This ranges from providing access to a comprehensive suite
of investment products and services that Morgan Stanley has to offer.
financial services, with the scale and stability to help
bring you valuable opportunities. As a category 1
company, my priority is to offer white glove service to my
clients. This ranges from providing access to a comprehensive suite
of investment products and services that Morgan Stanley has to offer.
Are You Prepared For Anything?
I have been assisting clients to not only pursue their financial goals but also seek to maintain their desired lifestyle throughout all aspects of their lives. There is no better feeling than helping clients maintain or even pursue their desired lifestyle, especially after retiring! My goal is to help plan, prepare, and execute your financial plan for retirement, family, or any other aspect of your life. Below are important points and tips that everyone should be aware of when planning for their goals.
What kind of Retiree Do You Want to Be?
Everyone has a different idea of their dream retirement. Whatever you envision, it’s essential to plan ahead so that your nest egg will last.
Post-Retirement Success
Planning for Families Special Needs Children
If your family has a special needs child, it's critical to be aware of the key financial planning and estate issues which may impact their care
To learn more, click here:
Investing in a Loved One's Education
With education costs rising, paying for college has become a major life expense that requires smart planning. Find answers to key questions here.
Find answers to key questions here
Beware of Retirement Sprawl
Are multiple retirement accounts giving you a cloudy picture of your financial performance?
Preparing For Higher Costs
Why Your Home Can be a Retirement Asset
If you’re willing to consider drawing down home equity—either by selling your home or borrowing against its value—it can dramatically change your retirement outlook.
Post-Retirement SuccessHow to Manage Your Newfound Fortune
Have you ever wondered why some lottery winners quickly go bankrupt or why many young adults spend their inheritance in a couple of years? Although becoming unexpectedly wealthy provides you with a unique opportunity to reshape your life in a positive way, it can give you a false sense of financial security that can lead to monetary troubles in the future.
I understand that unpredictably coming into a large sum of money is both an exciting and stressful experience for any individual. No matter the source, significant sudden wealth will offer you a chance, but not a guarantee, to enjoy a long fruitful life without financial burden.
During this time, having a professional to help you navigate your new found wealth is extremely important. Whether your goals involve determining an appropriate monthly spending limit, funding your child’s college tuition, or planning for retirement, our working together can provide the key to your success. I have access to first-class resources that are designed to tackle the hurdles you face as well as the specialized knowledge and experience to address those challenges now and in the future.
My priority is to understand and consult on the specific needs of you and your family in a collaborative, professional and educational manner—one that places your goals at the center of our relationship.
I understand that unpredictably coming into a large sum of money is both an exciting and stressful experience for any individual. No matter the source, significant sudden wealth will offer you a chance, but not a guarantee, to enjoy a long fruitful life without financial burden.
During this time, having a professional to help you navigate your new found wealth is extremely important. Whether your goals involve determining an appropriate monthly spending limit, funding your child’s college tuition, or planning for retirement, our working together can provide the key to your success. I have access to first-class resources that are designed to tackle the hurdles you face as well as the specialized knowledge and experience to address those challenges now and in the future.
My priority is to understand and consult on the specific needs of you and your family in a collaborative, professional and educational manner—one that places your goals at the center of our relationship.
Step 1: Don't go it alone
Assembling an experienced team of advisors – what I'd call your “dream team of professionals” – can provide critical guidance and support, helping you make informed decisions about your future with greater confidence and clarity. Consider building a team that includes your lawyer, your CPA, and wealth advisory professionals.
Step 2: Protect Your Identity
If your newly acquired wealth receives media attention, you should take immediate steps to protect yourself and your family from unwanted contacts and requests. Try considering some actions that aid in privacy protection such as changing phone numbers, email addresses, or social media accounts.
Step 3: Clarify your value system and desired quality of life
I firmly believe in the adage, “invest your time before you invest your money.” Often, clients who receive a large lump sum want to immediately put that money to work through a variety of investments. Clearly a smart strategy for the long term, but before the first dollar is invested, we advise spending quality time identifying your core values and introspectively asking yourself important questions such as "what type of lifestyle do I want to enjoy?"
Step 4: Set Your Goals
When establishing goals, it is wise to break them down into both short and long term. Short term goals may revolve around paying off debts and day to day expenditures whereas long term goals can focus more on executing on your core values and aspirations.
Step 5: Create a realistic spending plan
As you map out strategies to accomplish your goals, it’s also important to work with your advisors to create a realistic spending plan that you can follow. Making sure the plan is both sustainable and based around your goals will help you maintain the discipline to stick with it.
Step 6: Commit to a comprehensive wealth management plan
Done properly, we believe family wealth management incorporates your family values, financial priorities and legacy concerns to reflect your family’s entire financial resources. It emphasizes four critical components; Financial Planning, Investment Management, Risk Management, and Legacy Planning.
RESOURCES AND RESEARCH
Here at Morgan Stanley, we strive to make complex financial ideas more digestible so that our clients understand what is being done on their behalf to plan for their financial future. I am a firm believer of giving my clients as many resources as possible so they can stay informed about firm offerings, my services, the latest market trends, outlooks, and breakdowns. The links below provide detailed information and analysis on interesting topics that are affecting the firm, finance, and business worlds.
The Latest from Nelson's Desk
I have attached the most recent edition of my monthly newsletter here. I will be updating this monthly, so please check back for the latest!
Read the latest edition here
Holistic Wealth Planning
A short video describing our Family Office Resources' capabilities for helping you adopt a more integrated approach to your wealth planning
Watch here
Understanding the Benefits of Your 401k
The following factsheet covers a number of important topics about your 401k, including how to maximize its benefits for your retirement.
Learn More Here
Family Office Resources
As your family grows and your wealth increases, you may face more subtle and profound wealth management issues. Check out this overview to see some things that I can do to help!
Learn More Here
Global Investment Committee: On the Markets
A monthly publication that summarizes the Global Investment Committee’s market outlook and contains thought-provoking essays that examine the forces shaping the investment landscape.
Check out the latest edition here
Global Investment Committee: Weekly Updates
A weekly publication that summarizes the Global Investment Committee’s market outlook and contains thought-provoking essays that examine the forces shaping the investment landscape.
Check out the latest edition here
Morgan Stanley Ideas
Navigate to Morgan Stanley's landing page for insightful articles regarding 2024 outlooks and insights curated by Morgan Stanley researchers.
Learn More 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
Thoughts on the Market
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.
Listen Here
Workplace Advisor - Equity Compensation
The Workplace Advisor - Equity Compensation designation qualifies financial advisors to understand how to transform Equity Compensation and Executive Benefits into comprehensive, goals-based wealth management solutions. This enables them to help you align your equity compensation strategy with your broader financial goals.
Learn MoreClient Service Team
Laura Thompson-Ball
Laura manages my service team’s day-to-day administrative operations. She is committed to ensuring my clients receive the highest level of service. Laura earned her bachelor’s degree from Portland State University, and is a registered Portfolio Associate; series 7, 9, 10 and 66 licensed, she also holds an Oregon insurance license. Her career in wealth management started with the Royal Bank of Scotland Group while living in the UK.
Laura is a sixth generation Oregonian, she loves the outdoor lifestyle Oregon has to offer, on the weekends she can be found kayaking with her family and Chihuahua, Nellie. Laura loves travel, cooking, and history.
Laura is a sixth generation Oregonian, she loves the outdoor lifestyle Oregon has to offer, on the weekends she can be found kayaking with her family and Chihuahua, Nellie. Laura loves travel, cooking, and history.
Lauri Sauer
After marking her 20th anniversary with Morgan Stanley in 2024, Lauri Sauer brings her wide range of experience and skills to helping clients meet their financial goals by collaborating closely with her team of advisors and fellow support professionals. Lauri earned her Bachelor of Science degree at Oregon State University and has her Series 7 and 66 licenses as a fully registered Portfolio Associate.
This is Lauri’s second career, having worked for a decade in the newspaper industry before hired at a small (at the time) Smith Barney branch, which required learning all service aspects of the financial world.
Lauri and her husband enjoy walking in the beautiful local parks and visiting the nearby coast. She also enjoys reading and working in her yard.
This is Lauri’s second career, having worked for a decade in the newspaper industry before hired at a small (at the time) Smith Barney branch, which required learning all service aspects of the financial world.
Lauri and her husband enjoy walking in the beautiful local parks and visiting the nearby coast. She also enjoys reading and working in her yard.
Kyler Barney
Kyler grew up in the small town of Ennis, Montana. A quiet place in the winters, but a popular and growing tourist and vacation spot in the summers. Kyler attended Montana State University and is a proud Bobcat. After some time in the Computer Science field, he decided to join the Aviation program. Kyler graduated with a degree in Aviation where he acquired his Private Pilot, Instrument, and Multi-Commercial airplane ratings. Some of Kyler’s pastimes include skiing, golfing, and spending time with family and friends. Kyler and his wife Autumn have been married since 2022 and are proud parents to their son, Kohen, and their two dachshunds, Beasley, and Gidget.
Kyler has an immense passion for learning and helping others. He is excited to leverage his ability to manage complex tasks efficiently and effectively, which has earned him a reputation as a reliable and dependable collaborator. Kyler’s attention to detail and dedication to his team and clients has helped him build successful and long-lasting relationships. He consistently goes above and beyond, always anticipating the needs of his clients, and provides the highest level of service.
Kyler has an immense passion for learning and helping others. He is excited to leverage his ability to manage complex tasks efficiently and effectively, which has earned him a reputation as a reliable and dependable collaborator. Kyler’s attention to detail and dedication to his team and clients has helped him build successful and long-lasting relationships. He consistently goes above and beyond, always anticipating the needs of his clients, and provides the highest level of service.
Liz Anselmi
Liz joined Morgan Stanley in 2024 as a Registered Client Service Associate; series 7 and 66 licensed. Liz focuses on offering personalized strategies and delivering exceptional service with efficiency and professionalism.
When not working, she enjoys reading and exploring the outdoors and all the beauty it has to offer with her family.
When not working, she enjoys reading and exploring the outdoors and all the beauty it has to offer with her family.
Location
3103 Signature Court
Ste 101
Medford, OR 97504
US
Direct:
(541) 618-6425(541) 618-6425
Toll-Free:
(800) 547-1741(800) 547-1741
Fax:
(541) 773-1720(541) 773-1720
The Power of Partnerships
By partnering with experienced individuals across wealth disciplines, Morgan Stanley Financial Advisors can align specialized resources with your custom needs and deliver strategic guidance through the familiarity and trust of existing relationships
Terry Gravely, CFP®
Financial Planning Director, Vice President
Matthew Putterman
Planning Associate
Clint Eddy
Family Office Resource Generalist
About Ian McCormick
Ian McCormick is a Private Banker serving Morgan Stanley Wealth Management offices in Oregon.
Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Ian began his career in financial services in 2011, and joined Morgan Stanley in 2015 as a Private Banker. Prior to joining the firm, he was a Director of Business Development at Fort West. He also served as a Production Manager-Loan Officer at Churchill Mortgage.
Ian is a graduate of Oregon State University, where he received a Bachelor of Science in Finance. He lives in Portland, Oregon with his family. Outside of the office, Ian enjoys hunting, fishing, skiing and rafting.
Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Ian began his career in financial services in 2011, and joined Morgan Stanley in 2015 as a Private Banker. Prior to joining the firm, he was a Director of Business Development at Fort West. He also served as a Production Manager-Loan Officer at Churchill Mortgage.
Ian is a graduate of Oregon State University, where he received a Bachelor of Science in Finance. He lives in Portland, Oregon with his family. Outside of the office, Ian enjoys hunting, fishing, skiing and rafting.
NMLS#: 845310
About Terry Gravely
Terry Gravely is a Vice President and Financial Planning Director serving Morgan Stanley’s Wealth Management offices in Seattle. He is responsible for helping Financial Advisors with their clients’ and prospects’ financial planning needs.
Terry began his career in financial services in 2000, and joined Morgan Stanley in 2021. Prior to his current position, he worked as a registered investment advisor and certified teacher.
Terry graduated from Virginia Tech and holds his CERTIFIED FINANCIAL PLANNER™ and Certified Personal Wealth Advisor® designations. Terry lives in Seattle, Washington where he enjoys spending time with his grandchildren. Outside of work, Terry volunteers at an elementary school.
Terry began his career in financial services in 2000, and joined Morgan Stanley in 2021. Prior to his current position, he worked as a registered investment advisor and certified teacher.
Terry graduated from Virginia Tech and holds his CERTIFIED FINANCIAL PLANNER™ and Certified Personal Wealth Advisor® designations. Terry lives in Seattle, Washington where he enjoys spending time with his grandchildren. Outside of work, Terry volunteers at an elementary school.
About Matthew Putterman
Matthew Putterman is a Planning Associate at Morgan Stanley providing dedicated financial planning support to Financial Advisors and their teams. Operating as an extension of the FA/Team, he collaborates with clients to discover and define goals that matter most to them. Leveraging state of the art technology, he will evaluate various options and their potential outcomes to help clients confidently choose the appropriate course of action. Matthew provides expertise across a wide suite of Morgan Stanley planning tools designed to assist in the areas of investment accumulation, retirement, education, major purchase, cash flow, risk management, tax efficiency, and wealth transfer planning.
He earned his undergraduate degree from Binghamton University and received the Financial Planning Specialist® designation from the College for Financial Planning. Matthew is originally from Brooklyn, NY and currently resides in Brooklyn, NY.
He earned his undergraduate degree from Binghamton University and received the Financial Planning Specialist® designation from the College for Financial Planning. Matthew is originally from Brooklyn, NY and currently resides in Brooklyn, NY.
About Clint Eddy
Clint Eddy is an Executive Director with the Family Office Resources (FOR) team at Morgan Stanley. As a Generalist with FOR he helps clients and Advisors curate and navigate an expansive suite of highly specialized resources to address the complex, multifaceted challenges of managing significant wealth so clients may make complicated decisions confidently.
Prior to joining Morgan Stanley in 2022, Clint was a Wealth Strategist at Merrill Lynch for over 15 years. Clint also practiced tax and business law at the law firm of Fox Rothschild for over six years. He was a member of the firm’s Estate Planning and Tax and Corporate Transactions groups. Clint is a member of Washington State Bar Association (WSBA) and is actively involved in the WSBA’s Real Property, Probate and Trust section. He is the co-author of the Washington Partnership and Limited Liability Company Deskbook and was named a “Rising Star” by Washington Law and Politics magazine.
Clint received his Master of Laws in Taxation from the University of Washington School of Law, his Juris Doctor from the University of Oregon School of Law, and his Bachelor of Arts from the University of Washington. He is Series 7 and 66 licensed.
Outside of work Clint is an avid, but admittedly, pretty awful skier. He and his fiancé live in Seattle with their 10 year old Boston Terrier named Annie.
Prior to joining Morgan Stanley in 2022, Clint was a Wealth Strategist at Merrill Lynch for over 15 years. Clint also practiced tax and business law at the law firm of Fox Rothschild for over six years. He was a member of the firm’s Estate Planning and Tax and Corporate Transactions groups. Clint is a member of Washington State Bar Association (WSBA) and is actively involved in the WSBA’s Real Property, Probate and Trust section. He is the co-author of the Washington Partnership and Limited Liability Company Deskbook and was named a “Rising Star” by Washington Law and Politics magazine.
Clint received his Master of Laws in Taxation from the University of Washington School of Law, his Juris Doctor from the University of Oregon School of Law, and his Bachelor of Arts from the University of Washington. He is Series 7 and 66 licensed.
Outside of work Clint is an avid, but admittedly, pretty awful skier. He and his fiancé live in Seattle with their 10 year old Boston Terrier named Annie.
Private Bankers, Ultra High Net Worth ("UHNW") Specialists, PBG Market Managers, Lending Advisors, Mortgage Consultants, Regional Mortgage Specialist, Cash Management Specialists, Associate Private Bankers are employees of Morgan Stanley Private Bank, National Association.
Banking products and services are offered by Morgan Stanley Private Bank, National Association, Member FDIC.
Morgan 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
Important information about your relationship with your Financial Advisor and Morgan Stanley Smith Barney LLC when using a Financial Planning tool. When your Financial Advisor prepares a Financial Plan, they will act in an investment advisory capacity for thirty (30) days after the delivery of your Financial Plan. To understand the differences between brokerage and advisory relationships, you should consult your Financial Advisor, or review our “Understanding Your Brokerage and Investment Advisory Relationships,” brochure available at https://www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
You have sole responsibility for making all investment decisions with respect to the implementation of a Financial Plan. You may implement the Financial Plan at Morgan Stanley or at another firm. If you engage or have engaged Morgan Stanley, it will act as your broker, unless you ask it, in writing, to act as your investment adviser on any particular account.
Morgan 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.
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, charitable giving, philanthropic planning and other legal matters.
Important information about your relationship with your Financial Advisor and Morgan Stanley Smith Barney LLC when using a Financial Planning tool. When your Financial Advisor prepares a Financial Plan, they will act in an investment advisory capacity for thirty (30) days after the delivery of your Financial Plan. To understand the differences between brokerage and advisory relationships, you should consult your Financial Advisor, or review our “Understanding Your Brokerage and Investment Advisory Relationships,” brochure available at https://www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
You have sole responsibility for making all investment decisions with respect to the implementation of a Financial Plan. You may implement the Financial Plan at Morgan Stanley or at another firm. If you engage or have engaged Morgan Stanley, it will act as your broker, unless you ask it, in writing, to act as your investment adviser on any particular account.
Morgan 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.
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, charitable giving, philanthropic planning and other legal matters.
When 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.
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.
Banking products and services are offered by Morgan Stanley Private Bank, National Association, Member FDIC.
Morgan 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
Important information about your relationship with your Financial Advisor and Morgan Stanley Smith Barney LLC when using a Financial Planning tool. When your Financial Advisor prepares a Financial Plan, they will act in an investment advisory capacity for thirty (30) days after the delivery of your Financial Plan. To understand the differences between brokerage and advisory relationships, you should consult your Financial Advisor, or review our “Understanding Your Brokerage and Investment Advisory Relationships,” brochure available at https://www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
You have sole responsibility for making all investment decisions with respect to the implementation of a Financial Plan. You may implement the Financial Plan at Morgan Stanley or at another firm. If you engage or have engaged Morgan Stanley, it will act as your broker, unless you ask it, in writing, to act as your investment adviser on any particular account.
Morgan 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.
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, charitable giving, philanthropic planning and other legal matters.
Important information about your relationship with your Financial Advisor and Morgan Stanley Smith Barney LLC when using a Financial Planning tool. When your Financial Advisor prepares a Financial Plan, they will act in an investment advisory capacity for thirty (30) days after the delivery of your Financial Plan. To understand the differences between brokerage and advisory relationships, you should consult your Financial Advisor, or review our “Understanding Your Brokerage and Investment Advisory Relationships,” brochure available at https://www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
You have sole responsibility for making all investment decisions with respect to the implementation of a Financial Plan. You may implement the Financial Plan at Morgan Stanley or at another firm. If you engage or have engaged Morgan Stanley, it will act as your broker, unless you ask it, in writing, to act as your investment adviser on any particular account.
Morgan 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.
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, charitable giving, philanthropic planning and other legal matters.
When 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.
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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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.
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
Making the Most of Your Retirement Savings
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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
Rational Investing in an Age of Uncertainty
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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
6 Financially Smart Ways to Start 2025
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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 Nelson R Maler today.
CFP Board owns the marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the U.S., which it awards to individuals who successfully complete CFP Board's initial and ongoing certification requirements.
1Morgan 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.
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, charitable giving, philanthropic planning and other legal matters.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
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.
3Products and services are provided by third party service providers, not Morgan Stanley Smith Barney LLC (“Morgan Stanley”). Morgan Stanley may not receive a referral fee or have any input concerning such products or services. There may be additional service providers for comparative purposes. Please perform a thorough due diligence and make your own independent decision.
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, charitable giving, philanthropic planning and other legal matters.
4Morgan Stanley’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be appropriate 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.
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 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
7Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
8Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
9Morgan 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.
10Investing 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. Diversification does not guarantee a profit or protect against loss in a declining financial market.
11Alternative 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.
12Investing in commodities entails significant risks. The commodities markets may fluctuate widely based on a variety of factors including changes in supply and demand relationships; governmental programs and policies; national and international political and economic events; war and terrorist events; changes in interest and exchange rates; trading activities in commodities and related contracts; pestilence; weather; technological change; and, the price volatility of a commodity. In addition, the commodities markets are subject to temporary distortions or other disruptions due to various factors, including lack of liquidity, participation of speculators and government intervention.
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.
CFP Board owns the marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque 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 | Morgan Stanley
1Morgan 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.
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, charitable giving, philanthropic planning and other legal matters.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
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.
3Products and services are provided by third party service providers, not Morgan Stanley Smith Barney LLC (“Morgan Stanley”). Morgan Stanley may not receive a referral fee or have any input concerning such products or services. There may be additional service providers for comparative purposes. Please perform a thorough due diligence and make your own independent decision.
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, charitable giving, philanthropic planning and other legal matters.
4Morgan Stanley’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be appropriate 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.
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 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
7Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
8Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
9Morgan 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.
10Investing 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. Diversification does not guarantee a profit or protect against loss in a declining financial market.
11Alternative 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.
12Investing in commodities entails significant risks. The commodities markets may fluctuate widely based on a variety of factors including changes in supply and demand relationships; governmental programs and policies; national and international political and economic events; war and terrorist events; changes in interest and exchange rates; trading activities in commodities and related contracts; pestilence; weather; technological change; and, the price volatility of a commodity. In addition, the commodities markets are subject to temporary distortions or other disruptions due to various factors, including lack of liquidity, participation of speculators and government intervention.
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.
CFP Board owns the marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque 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 | Morgan Stanley
CRC 4665150 (8/2025)
