Scott Ashley
Senior Vice President, Wealth Management, Financial Advisor, Senior Portfolio Management Director
Phone:
(201) 967-6292(201) 967-6292
South 61 Group at Morgan Stanley
Direct:
(201) 967-6312(201) 967-6312
Our Mission Statement
Financial Freedom.
Our Story and Services
The South 61 Group at Morgan Stanley represents two highly seasoned Financial Advisors with decades of experience successfully navigating clients through all types of market conditions—and shielding them from many of the unknowns that often disrupt financial plans.
Our complementary backgrounds as a CERTIFIED FINANCIAL PLANNER® and former Certified Public Accountant (CPA) foster our ability to provide comprehensive client solutions. We’re problem-solvers who thoroughly explore a client’s situation, and often are able to offer outside-the-box insights or alternative solutions to benefit them. We believe advisors who take this type of approach can make a difference in a client’s life.
Our team is adept at constructing retirement financial plans—whether it’s for individual investors, small business owners or solo practitioners. We don’t follow the trend in our industry of relying heavily on off-the-shelf software that only looks at the numbers to create your plan. We look beyond the numbers and rely on our deep experience to craft a holistic plan that’s ideally tailored for you.
For small business owners, we’ll guide you to establish a tax-deferred savings similar to those offered by corporations to better enable you to attract and retain valuable employees. For solo practitioners, we’ll recommend retirement plans with several attractive savings-related features that are designed for one-person businesses.
Clients depend on our extensive knowledge of Social Security and Medicare to help them make well-informed decisions about matters that can substantially impact their retirement outcome. As an example, Social Security can be used to generate a meaningful income stream that facilitates a more secure, comfortable retirement.
We will work with a client’s CPA to help provide advanced tax planning strategies, too. For instance, when considering a Roth conversion it’s important to weigh its potential advantages against the often-overlooked consequences that could adversely impact your tax return. The key to the strategies we may recommend is knowing they exist and then understanding how to effectively use them. It’s a skillset we’ve honed over time.
Choosing an advisory team is an important decision that can greatly impact your financial well-being. We encourage you to learn more about our group, and welcome the opportunity to have a conversation with you.
Our complementary backgrounds as a CERTIFIED FINANCIAL PLANNER® and former Certified Public Accountant (CPA) foster our ability to provide comprehensive client solutions. We’re problem-solvers who thoroughly explore a client’s situation, and often are able to offer outside-the-box insights or alternative solutions to benefit them. We believe advisors who take this type of approach can make a difference in a client’s life.
Our team is adept at constructing retirement financial plans—whether it’s for individual investors, small business owners or solo practitioners. We don’t follow the trend in our industry of relying heavily on off-the-shelf software that only looks at the numbers to create your plan. We look beyond the numbers and rely on our deep experience to craft a holistic plan that’s ideally tailored for you.
For small business owners, we’ll guide you to establish a tax-deferred savings similar to those offered by corporations to better enable you to attract and retain valuable employees. For solo practitioners, we’ll recommend retirement plans with several attractive savings-related features that are designed for one-person businesses.
Clients depend on our extensive knowledge of Social Security and Medicare to help them make well-informed decisions about matters that can substantially impact their retirement outcome. As an example, Social Security can be used to generate a meaningful income stream that facilitates a more secure, comfortable retirement.
We will work with a client’s CPA to help provide advanced tax planning strategies, too. For instance, when considering a Roth conversion it’s important to weigh its potential advantages against the often-overlooked consequences that could adversely impact your tax return. The key to the strategies we may recommend is knowing they exist and then understanding how to effectively use them. It’s a skillset we’ve honed over time.
Choosing an advisory team is an important decision that can greatly impact your financial well-being. We encourage you to learn more about our group, and welcome the opportunity to have a conversation with you.
Services Include
- Wealth ManagementFootnote1
- Financial PlanningFootnote2
- Retirement PlanningFootnote3
- Professional Portfolio ManagementFootnote4
- Qualified Retirement PlansFootnote5
- 401(k) Rollovers
- Fixed IncomeFootnote6
- Estate Planning StrategiesFootnote7
- Planning for Education FundingFootnote8
- Cash Management and Lending ProductsFootnote9
- Life InsuranceFootnote10
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Financial Planning
Every individual has "needs" and "wants" in life. A basic retirement plan should at least cover the needs. But a truly successful one will also cover the wants.
That type of planning begins by first understanding you as a whole individual. We're interested in learning about both your accomplishments and disappointments, along with your aspirations and worries. We invest the time to deeply explore possible solutions to your financial concerns, and leverage our extensive breadth of knowledge. We don't take shortcuts. It's a commitment we make to every client. And, perhaps most importantly, we put our clients' best interests first.
Our team emphasizes holistic planning knowing that every aspect of your financial life could have a positive—or negative—impact on your retirement outcome. We've seen how a single mistake (or overlooked detail) can undermine an individual's financial future. It's often what you don't know that disrupts your financial plan. Our investment philosophy centers on the belief that the best way to grow wealth is to not lose it. So, we construct diversified, high-quality, long-term portfolios meant for capital preservation.
As part of our comprehensive planning, we offer advanced strategies that include important considerations such as Social Security, Medicare, Roth conversions, net unrealized appreciation (NUA), mega-back door Roths, 401(k) accounts with company stock, pensions, lump-sum payments and long-term care.
Disclaimer:
A 10% penalty tax will apply on funds converted to a Roth if those funds are withdrawn before five years have elapsed unless the owner is age 59 ½ or another exception applies.
A Roth Conversion may not be right for everyone. There are a number of factors taxpayers should consider before converting, including (but not limited to) whether or not the cost of paying taxes today outweighs the benefit of income tax-free Qualified Distributions in the future. Before converting, taxpayers should consult their tax and legal advisors based on their specific facts and circumstances.
Why Work with a CFP®?
CFP® professionals meet rigorous education and ethical standards. They're trained in 72 areas of financial knowledge, and must accrue thousands of hours of experience prior to earning their certification. Additionally, CFP® professionals are committed to serving their clients' best interests at all times.
Putting your entire financial life into a clear picture isn't easy. CFP® professionals are skilled at doing this, including how to balance your short-term goals with your long-term objective of retirement security. That's why working with a CFP® professional can be so valuable for individuals seeking comprehensive financial planning.
Retirement FAQs
The topic of retirement generates a lot of questions. We've included some of the most common ones we receive, along with a couple of uncommon ones you should be asking. Whether you're a pre-retiree or already retired, we look forward to addressing your own questions, and navigating you through this complex stage of life.
Do I really need to have a retirement plan?
Everyone should have a plan—or at the very least some key steps to follow for success. Keep in mind as you become older it's increasingly important to have a plan in place especially if you need some assistance or become completely incapacitated. It's also critical to have a will, power of attorney and beneficiaries on record, and periodically review this information to ensure it's current.
How should I change my investments to suit my new income needs?
Focus on investing in strong, stable companies, creating a high-quality, fixed income portfolio to mitigate your market risk exposure and consider using dividends to fight inflation. Developing an emergency fund is a good idea, too.
When transitioning my savings into a paycheck in retirement, which account do I draw from first?
That depends on your situation. We'll provide a thorough analysis to see which makes the most sense for you. Once we've put together a strategy, Morgan Stanley makes it simple to set up automatic payments to your local bank. We can also consult with your CPA to determine how to minimize your tax burden which can significantly impact your retirement income.
How much am I going to spend on healthcare? I’m not sure what to budget.
We'll work with to better determine your budget, and leverage a tool from Morgan Stanley that reviews national cost data to estimate healthcare costs for individuals. As part of this discussion, we may discuss if original Medicare or a Medicare Advantage plan would be best for you.
We'll also explore other potential ways to save on healthcare costs, such as trying to avoid the Income-Related Monthly Adjustment Amount for Medicare. This is an additional amount above the standard Part B and D premiums you may need to pay if your income exceeds certain thresholds.
I might be underestimating or overlooking some expenses. What are my peers spending their money on during retirement?
Obviously, your expenditures will be different from other retirees. But after advising retirees for many years, we've noticed two commonly overlooked expenses that cause clients to underestimate what they will really need.
As an example, home repair expenses are often double what many retirees anticipate. Secondly, dental repairs typically become more frequent as you age—and the fees for these repairs are ballooning. For instance, dental implants cost thousands of dollars per tooth. Helping clients anticipate these types of common expenses is an important but often overlooked aspect of retirement planning.
Recent and Upcoming Events
Our group frequently hosts educational seminars regarding important financial planning considerations such as Social Security, Medicare, estate planning strategies and other matters that can significantly impact your financial security, especially later in life. We encourage you to attend these events, and look forward to meeting you
June 2026 - A Seminar on NJ Estate Planning
You've probably heard you should consider a Will—but have you also considered a Power of Attorney and a Living Will? You may have heard you should consider a Revocable Trust instead of a Will—but do you? Or could an Irrevocable Trust be more appropriate?
We hosted an educational event to understand which of these documents you may need – and why? The discussion will include the implications and differences between all these planning tools and the potential consequences of having no plan in place if you become incapacitated or die.
March 2026 - Financial Planning for Families and The Next Generation
We are holding a seminar Tuesday, March 24th, discussing Financial Planning for Families and the Next Generation. We will discuss the newest savings strategies including Trump Accounts and saving for college, i.e. 529 plans.
Topics will include:
- How the OBBBA created a new tax-advantaged account for minors
- Potential "seed" opportunity for some children
- What one may need to do this tax filing season to open a Trump Account
- How the OBBBA created additional flexibility in 529s
September 2025 - How the One Big Beautiful Bill Act Affects Planning
Please join us on September 25th, 2025 from 6-8p.m. to discuss the planning around the recent tax reconciliation bill, known as the One Big Beautiful Bill, or OBBBA. We will discuss how the legislation and the most frequently discussed tax provisions may affect your financial planning and how it could impact your personal finances.
June 2025 - Understanding Social Security
Social Security is an important source of income for many retired Americans. Understanding how Social Security works—and what it provides—can help you determine whether you're on track for the retirement you envision.
Join us on June 25, 2025 for an informative seminar that will explore the basics of Social Security, factors to consider, and how to get started for retirement with Social Security.
Location
61 South Paramus Road, 3rd
Fl
Paramus, NJ 07652
US
Direct:
(201) 967-6312(201) 967-6312
Meet South 61 Group
Eleanor E Galt-Lin, CFP®
Senior Vice President, Wealth Management, Financial Advisor
Phone:
(201) 967-6725(201) 967-6725
Phone:
(201) 967-6234(201) 967-6234
Patricia Elgarhi
Senior Registered Associate
Phone:
(201) 967-6312(201) 967-6312
About Scott Ashley
Scott M. Ashley holds the title of Senior Vice President – Wealth Management, Portfolio Management Director and Financial Advisor at Morgan Stanley Wealth Management. Since joining the firm in 1994, he has developed a practice focused in retirement planning and portfolio management. Scott graduated from the University of Hartford with a degree in Business Administration, and spent ten years in public accounting as a Certified Public Accountant. *
With over 30 years of experience in financial services and a background in public accounting, Scott has devoted countless hours furthering his knowledge to allow him to become better equipped to navigate clients through the complex financial matters associated with retirement. He’s shared this knowledge by conducting over 200 client workshops and seminars to continuously educate investors.
Scott is firmly committed to building long-term relationships, and strives to deliver exceptional client service. By listening carefully to a client’s goals, values and concerns, he works diligently to help them achieve their financial objectives.
Many of Scott’s clients consist of small business owners, corporate executives, teachers and physicians. These individuals have worked extremely hard during their careers to build significant wealth. Scott creates customized, risk-adjusted portfolios to provide income and growth while emphasizing capital preservation.
Scott resides in Wyckoff, New Jersey with his wife, Lisa. He enjoys spending time with family, playing softball, gardening and tending to a 2,000-gallon Koi pond and 180-gallon salt water fish tank.
*Not currently working this capacity.
Tax laws are complex and subject to change. Morgan Stanley Smith Barney LLC (“Morgan Stanley”) , its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice and are not “fiduciaries” (under ERISA, the Internal Revenue Code or otherwise) with respect to the services or activities described herein except as otherwise agreed to in writing by Morgan Stanley. This material was not intended or written to be used for the purpose of avoiding tax penalties that may be imposed on the taxpayer. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a retirement plan or account, and (b) regarding any potential tax, ERISA and related consequences of any investments made under such plan or account.
The individual mentioned is a Financial Advisor with Morgan Stanley participating in the Morgan Stanley Portfolio Management program. The Portfolio Management program is an investment advisory program in which the client’s Financial Advisor invests the client’s assets on a discretionary basis in a range of securities. The Portfolio Management program is described in the applicable Morgan Stanley ADV Part 2, available at www.morgan stanley.com/ADV or from your Financial Advisor.
With over 30 years of experience in financial services and a background in public accounting, Scott has devoted countless hours furthering his knowledge to allow him to become better equipped to navigate clients through the complex financial matters associated with retirement. He’s shared this knowledge by conducting over 200 client workshops and seminars to continuously educate investors.
Scott is firmly committed to building long-term relationships, and strives to deliver exceptional client service. By listening carefully to a client’s goals, values and concerns, he works diligently to help them achieve their financial objectives.
Many of Scott’s clients consist of small business owners, corporate executives, teachers and physicians. These individuals have worked extremely hard during their careers to build significant wealth. Scott creates customized, risk-adjusted portfolios to provide income and growth while emphasizing capital preservation.
Scott resides in Wyckoff, New Jersey with his wife, Lisa. He enjoys spending time with family, playing softball, gardening and tending to a 2,000-gallon Koi pond and 180-gallon salt water fish tank.
*Not currently working this capacity.
Tax laws are complex and subject to change. Morgan Stanley Smith Barney LLC (“Morgan Stanley”) , its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice and are not “fiduciaries” (under ERISA, the Internal Revenue Code or otherwise) with respect to the services or activities described herein except as otherwise agreed to in writing by Morgan Stanley. This material was not intended or written to be used for the purpose of avoiding tax penalties that may be imposed on the taxpayer. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a retirement plan or account, and (b) regarding any potential tax, ERISA and related consequences of any investments made under such plan or account.
The individual mentioned is a Financial Advisor with Morgan Stanley participating in the Morgan Stanley Portfolio Management program. The Portfolio Management program is an investment advisory program in which the client’s Financial Advisor invests the client’s assets on a discretionary basis in a range of securities. The Portfolio Management program is described in the applicable Morgan Stanley ADV Part 2, available at www.morgan stanley.com/ADV or from your Financial Advisor.
Securities Agent: AR, OK, NJ, RI, MS, GA, NY, DC, MD, CT, CO, AZ, ME, MA, FL, DE, VT, NM, KY, CA, WA, TN, NC, MT, MI, IL, SC, PA, NH, VA, TX; General Securities Representative; Investment Advisor Representative
NMLS#: 1279335
NMLS#: 1279335
About Eleanor E Galt-Lin
As a CERTIFIED FINANCIAL PLANNER ™, Eleanor creates customized, comprehensive financial plans designed to meet the financial goals of her clients. She applies her advanced education and experience in the areas of financial planning and retirement planning to help uncover and clarify her clients' goals, and to track performance in each area. She provides money management and comprehensive counseling regarding wealth preservation and transfer strategies, risk management, financial independence and retirement planning, executive benefits and more.
After completing the rigorous requirements to attain her CFP® designation, Eleanor furthered her education by pursuing even more advanced coursework in the areas of Social Security benefits and Medicare. With more than 11,000 baby boomers turning 65 every day over the next few years, Eleanor believes it’s crucial for clients to understand their Social Security benefits. She helps her clients by creating collection strategies to maximize their lifetime income, coordinating their benefits with a spouse and making them aware of the lesser-known benefits available to widows and divorced individuals. She is a frequent speaker on these topics to various groups, including professionals such as CPAs and lawyers.
Many of Eleanor’s clients are small business owners and corporate executives; people who have worked hard to achieve a level of financial security they would like to preserve into the future. Eleanor believes she plays an important role in helping her clients avoid financial mistakes that could derail their hard-earned future.
After graduating from Rutgers University with a B.A. in Economics, Eleanor worked for technology training and tax preparation firms before establishing her advisory practice in 2005 and attaining her CFP® designation in 2012. A native of New Jersey, Eleanor loves to golf and scuba dive in her spare time.
Securities Agent: MI, PA, NH, OK, NC, VA, SC, IL, RI, HI, MO, MA, TN, KS, VT, FL, NY, OR, TX, DE, GA, IN, MD, ID, CT, CA, KY, AZ, MS, WA, DC, NJ, NM; General Securities Representative; Investment Advisor Representative
After completing the rigorous requirements to attain her CFP® designation, Eleanor furthered her education by pursuing even more advanced coursework in the areas of Social Security benefits and Medicare. With more than 11,000 baby boomers turning 65 every day over the next few years, Eleanor believes it’s crucial for clients to understand their Social Security benefits. She helps her clients by creating collection strategies to maximize their lifetime income, coordinating their benefits with a spouse and making them aware of the lesser-known benefits available to widows and divorced individuals. She is a frequent speaker on these topics to various groups, including professionals such as CPAs and lawyers.
Many of Eleanor’s clients are small business owners and corporate executives; people who have worked hard to achieve a level of financial security they would like to preserve into the future. Eleanor believes she plays an important role in helping her clients avoid financial mistakes that could derail their hard-earned future.
After graduating from Rutgers University with a B.A. in Economics, Eleanor worked for technology training and tax preparation firms before establishing her advisory practice in 2005 and attaining her CFP® designation in 2012. A native of New Jersey, Eleanor loves to golf and scuba dive in her spare time.
Securities Agent: MI, PA, NH, OK, NC, VA, SC, IL, RI, HI, MO, MA, TN, KS, VT, FL, NY, OR, TX, DE, GA, IN, MD, ID, CT, CA, KY, AZ, MS, WA, DC, NJ, NM; General Securities Representative; Investment Advisor Representative
Securities Agent: NJ, CT, AZ, VT, FL, DE, DC, MS, CA, WA, TX, SC, NC, MA, AR, RI, PA, NY, NM, MI, OK, MD, GA, CO, NH, MT, ME, TN, KY, IL, VA; General Securities Representative; Investment Advisor Representative
About Robert Viglione
Rob Viglione | Financial Advisor
South 61 Group at Morgan Stanley | Paramus, NJ
Rob Viglione provides holistic wealth management services for individuals, families and business owners nationwide. Grounded in a planning-first philosophy, he helps clients clarify their priorities, develop comprehensive financial plans and implement customized investment, lending and cash-flow strategies designed to support their long-term goals.
Rob began his career in financial services in 2021 as a Financial Advisor at another major wire house before joining Morgan Stanley’s South 61 Group in 2026, where he continues to focus on delivering a high standard of care. Rob holds securities registrations in all 50 states, enabling him to work with clients wherever life and business may take them.
A CERTIFIED FINANCIAL PLANNER® professional, Rob is committed to acting in clients’ best interests and adhering to the rigorous ethical and educational standards set by the CFP® Board. He earned a Bachelor of Science in Finance from the University of Maryland and maintains his New Jersey Life & Health Insurance Producer license as well as his NMLS registration (#2857476).
Outside the office, Rob enjoys traveling, playing golf, and spending time with family and friends at the Jersey Shore.
South 61 Group at Morgan Stanley | Paramus, NJ
Rob Viglione provides holistic wealth management services for individuals, families and business owners nationwide. Grounded in a planning-first philosophy, he helps clients clarify their priorities, develop comprehensive financial plans and implement customized investment, lending and cash-flow strategies designed to support their long-term goals.
Rob began his career in financial services in 2021 as a Financial Advisor at another major wire house before joining Morgan Stanley’s South 61 Group in 2026, where he continues to focus on delivering a high standard of care. Rob holds securities registrations in all 50 states, enabling him to work with clients wherever life and business may take them.
A CERTIFIED FINANCIAL PLANNER® professional, Rob is committed to acting in clients’ best interests and adhering to the rigorous ethical and educational standards set by the CFP® Board. He earned a Bachelor of Science in Finance from the University of Maryland and maintains his New Jersey Life & Health Insurance Producer license as well as his NMLS registration (#2857476).
Outside the office, Rob enjoys traveling, playing golf, and spending time with family and friends at the Jersey Shore.
Securities Agent: VA, IN, FL, CT, VT, UT, SC, NJ, MN, PR, NC, MA, LA, CO, AZ, AK, OH, NH, KY, VI, TX, RI, MT, ME, GA, AL, WI, MI, IL, IA, AR, NY, NM, ND, MS, KS, HI, DE, DC, CA, WY, WV, SD, OR, NE, MD, WA, OK, NV, TN, PA, MO, ID; General Securities Representative; Investment Advisor Representative
NMLS#: 2857476
NMLS#: 2857476
About Patricia Elgarhi
Patty Elgarhi is passionate about helping clients achieve their financial goals. She provides crucial support to the team’s Financial Advisors by facilitating smooth day-to-day operations and delivering exceptional client experiences. Patty excels at building strong relationships with clients and helping them feel confident in their financial journey.
Patty has over 40 years of experience in the financial services industry. Prior to joining Morgan Stanley in 2008, she served at Shearson Lehman and Smith Barney. While at Shearson Lehman, she worked on the high-yield bond desk—an experience that taught her how to perform under pressure quickly and efficiently. She currently holds Series 7 and 63 licenses.
Patty graduated from Rutgers University with a dual bachelor’s degree in business administration and sociology.
Patty resides in Bloomingdale with her husband. In her spare time, she loves to read, walk and spend time with her family, especially her two grandsons. She’s also very active in the community as a volunteer at a local food pantry.
Patty has over 40 years of experience in the financial services industry. Prior to joining Morgan Stanley in 2008, she served at Shearson Lehman and Smith Barney. While at Shearson Lehman, she worked on the high-yield bond desk—an experience that taught her how to perform under pressure quickly and efficiently. She currently holds Series 7 and 63 licenses.
Patty graduated from Rutgers University with a dual bachelor’s degree in business administration and sociology.
Patty resides in Bloomingdale with her husband. In her spare time, she loves to read, walk and spend time with her family, especially her two grandsons. She’s also very active in the community as a volunteer at a local food pantry.
Contact Scott Ashley
Contact Eleanor E Galt-Lin
Contact Robert Viglione
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
Adam Guralnick
Private Banker
About Adam Guralnick
Adam Guralnick is a Private Banker serving Morgan Stanley Wealth Management offices in New Jersey.
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.
Adam began his career in financial services in 2002 and joined Morgan Stanley in 2021 as an Associate Private Banker. Prior to joining the firm, he was a Wealth Management Banker at UBS. He also served as a UHNW Associate Private Banker at Citi Private Bank and a Merrill Lynch Banking Advisor.
Adam is a graduate of the University at Buffalo, where he received a Bachelor of Arts in Communication and a Master of Arts in Informatics. He lives in Livingston, New Jersey with his family. Outside of the office, Adam enjoys traveling, sports, and spending time with his family.
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.
Adam began his career in financial services in 2002 and joined Morgan Stanley in 2021 as an Associate Private Banker. Prior to joining the firm, he was a Wealth Management Banker at UBS. He also served as a UHNW Associate Private Banker at Citi Private Bank and a Merrill Lynch Banking Advisor.
Adam is a graduate of the University at Buffalo, where he received a Bachelor of Arts in Communication and a Master of Arts in Informatics. He lives in Livingston, New Jersey with his family. Outside of the office, Adam enjoys traveling, sports, and spending time with his family.
NMLS#: 1114313
Private Banking Group (PBG) Market Managers, Senior Private Bankers, Private Bankers, and 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
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
Wealth Management
From Our Team
A Simple Six-Step Retirement Checkup
Wealth Management
Global Investment Office
Portfolio Insights
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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
A Simple Six-Step Retirement Checkup
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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
Iran Conflict: Seven Takeaways for Investors
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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
529 Plans: A Powerful Tool to Save for Education
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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
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.
Ready to start a conversation? Contact South 61 Group today.
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.
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States. Morgan Stanley Wealth Management is a business of Morgan Stanley Smith Barney LLC.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan 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.
3When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
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.
5When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
6Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
7Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
8When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
9Morgan 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
10Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States. Morgan Stanley Wealth Management is a business of Morgan Stanley Smith Barney LLC.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan 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.
3When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
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.
5When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
6Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
7Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
8When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
9Morgan 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
10Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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
CRC 4665150 (8/2025), 4763067 (9/2025)