Nick Gesell, QPFC

Learning about your needs and objectives are key before we can provide you with advice. That's why we spend a great deal of time getting to know you and your specific situation in order to thoroughly understand your needs. We recognize the uniqueness of each institutional and individual client's scenario and strive to leave no stone unturned in discovering what is important to you.

Creating a custom investment strategy for you involves a thorough assessment of your financial goals and risk tolerance. We leverage the skills of our entire team to develop an in-depth summary that outlines your specific objectives. From there, we craft a systemic approach to address each goal, focusing on how we can protect, grow and preserve your assets.

We tailor our product and investment recommendations to meet the needs uncovered in our discovery process. Your customized asset allocation reflects risk, opportunity, and taxation across multiple entities. This asset allocation will become the basis for a long-term strategy.

We'll bring your plan to life. Based on the market environment and your needs, tactical short-term adjustments can be made to take advantage of opportunities. This process can help to create the most efficient balance of risk and return for your specific strategy.

We recognize and understand that over time, your needs, and objectives evolve. Our process is designed to constantly adapt and update with the always changing landscape of your financial journey.. We meet regularly to make sure your strategy remains on track and review your progress with customized performance reporting.

LifeView is a suite of planning tools that includes goal-specific analysis that we can use with our clients to create a holistic, realistic strategy that integrates the various aspects of an individual's financial life, including investments and cash management needs.

Goals Planning System (GPS) is Morgan Stanley's own integrated planning tool. Built on the Firm's intellectual capital and capabilities, GPS is an intuitive and efficient platform used to quickly assess whether a client is "On Track" to achieving their financial goals.

Estate planning is the process of making arrangements to pass down wealth and assets after a person's death. Proper estate planning gives careful consideration to your future plans, preferences and goals. We leverage LifeView's sophisticated estate planning strategies to guide this crucial conversation.

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.

Intelligent Withdrawals (IW) gives us the capability to analyze across multiple accounts and generate a tax-efficient withdrawal analysis down to the security and tax lot levels. IW takes into consideration withdrawal order, target asset allocation, required minimum distributions, research ratings, gain limits, among others, while selecting the best tax lots to help meet withdrawal needs.

Your plan holdings may include options or stock-based compensation. The Equity Award Analysis (EAA) is a tool that allows us to capture and analyze employee stock and option holdings and evaluate potential strategies for those holdings that seek to meet the liquidity, investment, and financial objectives of your needs.

Track spending habits, categorize expenses and create budgets across your Morgan Stanley and external financial accounts with our Spending and Budgeting Tool. We make it easy for us both to oversee trends in your financial life.

Total Wealth View allows you and your advisor to view a complete financial picture of your investments to identify opportunities or risks across all your accounts. By linking your account information, you will benefit from more informed wealth planning, more secure data access, and convenient connectivity.

I have experience working with high net worth families, providing comprehensive wealth management services - including investment management, tax management, estate planning strategies and risk management - tailored to the unique needs and goals of your family.

I provide guidance on the financial aspects of running a successful business on both sides of the balance sheet, including tax planning, employee benefits, succession planning and more.

Families with disabilities face significant and complex planning issues. First and foremost, we address these complex planning needs by listening to clients. We make it an objective, as best we can, to walk in clients' shoes so that we have a complete understanding of their needs and dreams before ever offering any recommendation.

I offer custom tailored advice and solutions to help you manage your unique financial needs, including executive compensation, wealth preservation and retirement planning.

Our team provides guidance to help you optimize your financial outcomes during liquidity events such as the sale of a business or real estate, by developing a comprehensive plan that accounts for your tax situation, risk tolerance and long-term financial goals.

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.

The countdown to Tax Day has begun. Organize your tax documents early to avoid mistakes and identify every deduction available to you. Here are some strategies to consider as the deadline approaches.

Morgan Stanley's Tax Management Services for Select UMA provides customized solutions to help clients optimize their investment portfolios with a focus on tax efficiency. By leveraging advanced tools & strategies, these services aim to reduce tax burdens while aligning with clients' broader financial goals.

Actively pursing tax alpha focuses on strategically managing investments to generate returns that are enhanced by minimizing tax liabilites. By using tax-efficient strategies, the goal is to improve after-tax performance and increase clients' overall wealth over time.

While many investors focus on tax-loss harvesting toward year end, it's a strategy that can help you year-round. That's particularly true during times of market volatility, as we've seen in the past few years. Click the link below to learn how it works.

Achieving your investment goals isn't just about maximizing returns. Reducing tax liabilities in your portfolio can also play a key role in helping you build wealth over the long run. As you review your income and portfolio, consider these steps to help reduce taxes on your investments.

Markets don't always cooperate with your best laid plans, including those you've made for retirement. However, there are strategies you can use to help improve retirement readiness, such as income smoothing, which seeks to mitigate the impact of taxes once investors start tapping into their retirement savings.

Many investors find that their portfolio sometimes develops an outsized concentration in the stock of a single company, which may lead to great wealth but could also lead to outsized losses. Here are 4 strategies that can help you successfully diversify out of a concentrated position without triggering large tax liabilities even when there are significant unrealized gains.