Phil Boyer
Vice President,
Financial Advisor,
Senior Portfolio Manager,
Portfolio Management Director
Direct:
(410) 701-3643(410) 701-3643
My Mission Statement
Providing highly personalized wealth management services for businesses, individuals and families.
Our Story and Services
For Phil's entire career, his primary priority has always been to put the client first. In his over 25 years of experience, Phil has found that the most successful relationships are those where your financial advisor doesn't simply tell you what you need, he or she works WITH you to achieve your goals. This is the foundation for success, and the reason why the majority of Phil's client relationships are multi-generational. Having a working relationship with Phil allows you to access the experience, intellectual capital, and vast resources available at Morgan Stanley. This acces provides the ability to put in place an exceptional customer service and wealth planning experience.
Phil focuses on investment portfolio management (design, structure and execution), retirement planning and holistic financial planning. Phil is committed to guiding clients toward their financial goals through personalized strategies and financial market insights. He is adept at translating complex financial concepts into accessible, actionable plans for individuals and business. Taking a personalized approach to wealth management, he provides his clients with invaluable advice and counsel.
Phil attended the University of Maryland Baltimore County (UMBC), where he obtained his Bachelor of Arts in Economics and was an active member and captain of the University's Varsity Swim Team. After starting his career at Legg Mason Inc, he went on to earn his Masters of Business Administration (MBA) from the University of Maryland, College Park.
Phil resides in Maryland and Pennsylvania with his family, he has strong family and community ties in the Maryland/Pennsylvania/Delmarva region. He holds his Series 7, Series 31, Series 66 and Life Insurance industry licenses.
Securities Agent: NC, MA, WA, UT, MD, NY, NJ, WV, ME, TN, GA, DE, DC, VA, TX, CO, CA, NV, FL, SC, RI, PA; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1301145
NMLS#: 1301145
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
My Suite of Services
I am dedicated to empower you in your financial journey and help achieve your financial goals.
My goal is to fully understand your finances so I can help customize a wealth plan that proactively aligns your finances and investments. My objective is to earn your confidence not only through the quality of strategies I provide to you, but also through the excellence with which I will deliver them.
My goal is to fully understand your finances so I can help customize a wealth plan that proactively aligns your finances and investments. My objective is to earn your confidence not only through the quality of strategies I provide to you, but also through the excellence with which I will deliver them.
Wealth Mangement
At Morgan Stanley Wealth Management, we offer access to extensive resources, combined with our capabilities, that gives us the means to support your goals at every life stage. We provide a range of strategies to help meet you where you are—no matter your starting point or preferred investing approach. We understand that as family or institutional wealth increases, the implementation of investment strategies becomes increasingly complex end portfolios require.
Leam More About Wealth Management
Portfolio Mangement
We study investment trends and leverage the global
resources of the firm to help you develop a personalized
investment strategy. We'll help develop a customized portfolio to meet your requirements for growth, income and wealth conservation within your risk constraints. Our experience, training and investment philosophy offer guidance—both in ongoing portfolio management decisions end understanding investment risk while keeping your long-term goals in view.
Disclosure:
Morgan Stanley Smith Barney LLC 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 visit us at http://www.morganstanleyindividual.com or consult with your Financial Advisor to understand these differences.
Learn More About Our Portfolio Management Servicesresources of the firm to help you develop a personalized
investment strategy. We'll help develop a customized portfolio to meet your requirements for growth, income and wealth conservation within your risk constraints. Our experience, training and investment philosophy offer guidance—both in ongoing portfolio management decisions end understanding investment risk while keeping your long-term goals in view.
Disclosure:
Morgan Stanley Smith Barney LLC 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 visit us at http://www.morganstanleyindividual.com or consult with your Financial Advisor to understand these differences.
Retirement Planning
We are here to help you create a well-rounded planning approach for retirement and create your estate planning strategy designed to preserve, manage, and distribute your assets during and after your lifetime, while helping to minimize taxation. We are here to help manage your employer's retirement plan (i.e. 401(k) plan), identify your personal goals, track your progress toward achieving them and work together to create a customized plan.
Disclosure:
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.
Learn More About Our Portfolio Management ServicesDisclosure:
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.
Cash Management and Lending
As a client, you will have access to a suite of cash management strategies as a competitive alternative to a traditional bank. Through your Morgan Stanley Active Assets Account or CashPIus Brokerage Account, you can access a full suite of Cash Management Strategies to help you manage your everyday finances. Additionally, we're able to provide qualified clients with financing strategies for almost any personal or business need using the eligible securities in your brokerage account as collateral for a flexible line of credit.
Disclosure:
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
Learn More About Our Modern Alternative to BankingDisclosure:
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
Education Planning
A 529 account can help you pave the way for a loved one on the path to success, while both reducing the income taxes on your investments and the taxable value of your estate for federal estate tax purposes. The combination of income tax free growth and withdrawal potential, estate tax benefits, attractive continuous-control features, and versatility to address circumstances as they arise make 529 plans an education investment vehicle of choice.
Disclosure:
Investors should consider many factors before deciding which 529 plan is appropriate. Some of these factors include: the Plan’s investment options and the historical investment performance of these options, the Plan’s flexibility and features, the reputation and expertise of the Plan’s investment manager, Plan contribution limits and the federal and state tax benefits associated with an investment in the Plan. Some states, for example, offer favorable tax treatment and other benefits to their residents only if they invest in the state’s own Qualified Tuition Program. Investors should determine their home state’s tax treatment of 529 plans when considering whether to choose an in-state or out-of-state plan. Investors should consult with their tax or legal advisor before investing in any 529 Plan or contact their state tax division for more information. Morgan Stanley Smith Barney LLC does not provide tax and/or legal advice.
Learn More About Our Modern Alternative to BankingDisclosure:
Investors should consider many factors before deciding which 529 plan is appropriate. Some of these factors include: the Plan’s investment options and the historical investment performance of these options, the Plan’s flexibility and features, the reputation and expertise of the Plan’s investment manager, Plan contribution limits and the federal and state tax benefits associated with an investment in the Plan. Some states, for example, offer favorable tax treatment and other benefits to their residents only if they invest in the state’s own Qualified Tuition Program. Investors should determine their home state’s tax treatment of 529 plans when considering whether to choose an in-state or out-of-state plan. Investors should consult with their tax or legal advisor before investing in any 529 Plan or contact their state tax division for more information. Morgan Stanley Smith Barney LLC does not provide tax and/or legal advice.
WELCOME TO OUR LIFE NAVIGATOR
One of the goals I have as a Financial Advisor is to help our clients navigate different life events. Here you will find a wide range of content and materials covering a variety of life events and milestones that you might face.
Birth
Welcoming a child into the family is a joyous occasion for everyone—for parents, grandparents, aunts, uncles, siblings, cousins and other extended family members. As a trusted advisor to our clients, we play a critical role in helping you plan and prepare for the financial components that a new child introduces into your lives—everything from planning for the costs associated with birth, adoption or surrogacy; anticipating unexpected medical expenses; understanding gifting requirements; preparing for child care and planning for educational expenses.
Click here for more information on preparing for educational expenses
Education
Education is a major investment and expense for most of our clients—one that often requires years of careful, advanced planning. As educational costs continue to rise—from primary education through undergraduate, graduate and professional schools—we can help you approach the range of educational expenses, such as tuition, extension programs and advanced professional training, with appropriate funding strategies for your particular situations.
Click here to make financial literacy a family affair
Marriage
There are few events more exciting than when our client decides to align their life with the person they love. Of course, there are conversations you should have with your partner before tying the knot. One of the most important is about money—how you will make it, save it, spend it and invest it. In addition, helping fund an adult child's wedding is a goal for many parents (and grandparents). As your Financial Advisor, we can play an important role in helping you plan for these milestones and guiding your conversations.
Click here for questions related to finance to discuss with your partner
Post-Career
Today's 65-year-olds have a high likelihood of living until their mid-80s, and it's not uncommon anymore to reach substantially beyond that. That means you need to plan for a retirement that will span two decades and potentially much more. Longer retirements are great outcomes, but also place a great deal of stress on a household's finances. As your Financial Advisor, we make sure to put a plan in place so that you are able to take on any curveball retirement may throw at you.
Click here to learn more about preparing for retirement
Caregiving
Health care costs are rising—especially for retirees, and sometimes might require long-term care. Learn the moves you can make to help prepare yourself.
Click here to learn more
Legacy
Dealing with death is never easy. Aside from coping with the loss of a loved one, legal matters also require immediate attention, including administration of the estate. Though it may be hard for individuals to talk about estate planning because of the heartache, addressing it promptly is crucial to saving both time and money, and to minimizing family conflict or confusion. Passing away without a will, known as intestacy, means the state determines how the deceased's assets will be distributed, and this may not be consistent with the family's wishes. Proceedings can also be painful and costly for the family.
We believe that is better to plan ahead to ensure that your wishes and your will are followed. A proactive approach to estate planning as a family is better than a reactive one.
Click here to learn about ways to establish enduring legaciesWe believe that is better to plan ahead to ensure that your wishes and your will are followed. A proactive approach to estate planning as a family is better than a reactive one.
MORGAN STANLEY AT WORK
Utilizing the powerful Morgan Stanley at Work platform, we are able to help build financial confidence through insightful advice, thoughtful education and cutting-edge technology across a suite of modern workplace solutions.
At Work Solutions
Innovative workplace offerings for companies and employees which include Shareworks by Morgan Stanley, our global equity plan management solution, Financial Wellness and Retirement solutions.
Learn more about our work solutionsRetirement Solutions
Comprehensive solutions to effectively help maximize and customize retirement benefits, so managers can help employees make the most out of retirement.
Learn more about our retirement solutionsRetirement Planning Insights
Learn how to help improve the financial future of your employees by providing 401(k) retirement benefits while also gaining business advantages.
Learn more from our retirement planning resourcesMARKET INSIGHTS
As a Financial Advisor at Morgan Stanley, I 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 providing our clients with resources so they can stay informed about the latest market trends, outlooks, and breakdowns. The links below provide detailed analysis on interesting topics that are affecting the finance and business worlds.
On The Market Research Report
Up to date market commentary from Morgan Stanley's thought leaders which provides detailed insight on topics such as global equities, fixed income, monetary policy and more
Read the Latest Report
Global Insights
The Political Economy: All over the world elections are taking place that will have profound effects on both local and global economies, so where are policy moves being made and how might investors use these moves to anticipate economic shifts?
Read More Here
GIC Weekly Research Report
The Global Investment Committee's Lisa Shalett headlines this weekly look at markets, asset class performance and fixed income.
Highlights:
* Chart of the Week: Waiting for the Fed to Blink
* Fixed Income Insight: Refinancing Becomes an Increasing Challenge
* Charts in Focus: Liquidity
* Tactical Asset Allocation Reasoning
Read the Latest ReportHighlights:
* Chart of the Week: Waiting for the Fed to Blink
* Fixed Income Insight: Refinancing Becomes an Increasing Challenge
* Charts in Focus: Liquidity
* Tactical Asset Allocation Reasoning
5 Way to Protect Your Finances in a Recession
You may be understandably concerned by forecasts of a possible recession this year. Know that the team and I are here to help. This article offers helpful tips for protecting your finances in a recession. Let's connect if you'd like to talk more about which strategies are right for you.
Read More Here
Tax-Efficient Investing
You may be understandably concerned by forecasts of a possible recession this year. Know that the team and I are here to help. This article offers helpful tips for protecting your finances in a recession. Let's connect if you'd like to talk more about which strategies are right for you.
Learn More Here
Cybersecurity Tips
Whether it's strengthening your passwords or treating emails from unknown senders with more caution, you can take a number of steps to reduce the threat of identity theft, online scams, malware, fraud and more.
Learn More HereLocation
1350 Broadcasting Rd
Ste 100
Wyomissing, PA 19610
US
Direct:
(410) 701-3643(410) 701-3643
Fax:
(866) 287-0906(866) 287-0906
Wealth Management
Global Investment Office
Portfolio Insights
Ready to start a conversation? Contact Phil Boyer today.
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 Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.
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
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 Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.
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)
