Matthew Swaffin-Smith, CFP®
Executive Director, Financial Advisor
Phone:
(415) 984-6522(415) 984-6522
The Alpine Vista Group at Morgan Stanley
Our Mission Statement
Helping our clients keep more of what they've earned, growing towards their goals through tax-efficient wealth management.
Our Story
You are proof that fortune favors the bold. Whether it’s venturing into the unknown or vying to reach the peak of your profession, you follow the courage of your convictions, and the time has come to reap the rewards of your hard work. Are you confident that you have optimized what you own and minimized your risks, both before and after an anticipated liquidity event?
We know that extraordinary journeys like yours require not just industry and innovation, but also foresight and a sound financial plan. Having worked with founders, early employees and other exceptionally successful people for nearly 25 years, we understand that how much you keep from your source of wealth can be as important as the returns you generate thereafter. While you blaze professional trails, we leverage tried and tested techniques and tools to help you reach your financial summit – that magic number that unlocks your lifetime goals.
Even the most intrepid explorers recognize the need for expert advice when embarking on ambitious expeditions. A skilled guide knows the way, continually monitoring conditions and changing course as needed to help ensure the highest likelihood of success. We serve as your guide on this journey, bringing the necessary experience and perspective to provide financial clarity. By empowering you with information and keeping you focused on what you hope to achieve, we help you map out—and execute—a custom-tailored plan to reach your full economic potential.
We know that extraordinary journeys like yours require not just industry and innovation, but also foresight and a sound financial plan. Having worked with founders, early employees and other exceptionally successful people for nearly 25 years, we understand that how much you keep from your source of wealth can be as important as the returns you generate thereafter. While you blaze professional trails, we leverage tried and tested techniques and tools to help you reach your financial summit – that magic number that unlocks your lifetime goals.
Even the most intrepid explorers recognize the need for expert advice when embarking on ambitious expeditions. A skilled guide knows the way, continually monitoring conditions and changing course as needed to help ensure the highest likelihood of success. We serve as your guide on this journey, bringing the necessary experience and perspective to provide financial clarity. By empowering you with information and keeping you focused on what you hope to achieve, we help you map out—and execute—a custom-tailored plan to reach your full economic potential.
Services Include
- Wealth PlanningFootnote1
- Wealth ManagementFootnote2
- Estate Planning StrategiesFootnote3
- Executive Financial ServicesFootnote4
- Stock Plan ServicesFootnote5
- Alternative InvestmentsFootnote6
- Cash Management and Lending ProductsFootnote7
- Corporate Investment SolutionsFootnote8
- Corporate Retirement PlansFootnote9
- Executive Benefit ServicesFootnote10
- Institutional ServicesFootnote11
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Approach
Having worked with uncommonly successful individuals for nearly 25 years, we understand that no two families have quite the same opportunities and challenges. Our clients’ priorities, concerns, and aspirations are unique and integral to their wealth management plan and so likely are their tax lots. At The Alpine Vista Group, we design customized and tailored financial plans that align with our clients’ vision of a successful life.
We understand your trust must be earned through our collaborative approach, competence, integrity and commitment to your success, so our disciplined approach to wealth management centers around you:
We understand your trust must be earned through our collaborative approach, competence, integrity and commitment to your success, so our disciplined approach to wealth management centers around you:
Discovery Process
Investing the time to learn about you and your family, your assets and liabilities, and your opportunities and risk exposures enables us to customize the relationship and formulate strategies that are catered to your unique needs.
Formulation of Tax, Trust and Estate Strategy
Working with your tax and legal advisors, we help analyze your income and estate tax circumstances to identify and tailor planning techniques that may be used to address your objectives.
Creation of Customized Strategic Asset Allocation
Your customized asset allocation reflects risks, opportunities and taxation across multiple entities, while integrating your investing and estate plans.
Integration of Tactical Asset Allocation
Short-term adjustments seek to capitalize on temporary market distortions. Before making any adjustments, we analyze the impact of taxes and trading costs on potential returns.
Implementation of a Customized Wealth Strategy
After comprehensive due diligence and analysis of expected results across multiple market scenarios, strategies are chosen from our expansive investment platform.
Ongoing Assessment
In coordination with your other professional advisors, we can conduct ongoing reviews and provide comprehensive reporting to ensure that your strategy adapts to changing financial and family needs.
HELPING KEEP MORE OF WHAT YOU HAVE EARNED
While taxes are top of mind for all investors, active tax management of an investment portfolio as a wealth planning tool is typically a passive consideration for most. Asset allocation and product selection are the primary drivers of investment results on a pretax basis; however, after-tax results can vary greatly depending on the tax treatment of those investment decisions. A significant amount of work and analysis is involved in ultimately creating what we believe is one of the best investment solutions for our clients, yet taxes usually become a once-a-year discussion starting sometime after Labor Day.
Opportunities for tax strategies ebb and flow with the fluctuations of the market and not with our fiscal calendars. Incorporating tax-sensitive investing into the daily trading activity of an account can capitalize on market fluctuations and potentially yield better after-tax results.
Opportunities for tax strategies ebb and flow with the fluctuations of the market and not with our fiscal calendars. Incorporating tax-sensitive investing into the daily trading activity of an account can capitalize on market fluctuations and potentially yield better after-tax results.
Tax-Managed Strategies Introduction: It's Not What You Earn, It's What You Keep
Tax drag is the reduction in an investor’s returns as a result of having to pay taxes on realized gains. Tax alpha is the difference between the pretax return—which is most frequently quoted in investment literature—and the after-tax return, which takes into account taxes payable due to realized capital gains in a portfolio. Beyond simply maintaining low portfolio turnover, tax drag may be minimized and tax alpha may be maximized by using several techniques:
Learn More HereActively Pursuing Tax Alpha
Morgan Stanley has developed and offers a proprietary “tax management” overlay process for taxable Select UMA® accounts designed to actively seek out tax alpha. The service can be added or removed at any time and employs an active approach to deferring taxes and minimizing tax drag.
Learn More HereTax Management Services
Reducing the current tax liabilities on your investments can help enhance your overall returns. Implementing our Tax Management Services in a taxable managed investment portfolio, known as a Unified Managed Account (UMA), seeks to offer you professional and tax-efficient portfolio management to help meet your unique financial goals.
Learn More HereDisclaimer
Tax laws are complex and subject to change. 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 are urged to consult their personal tax or legal advisors to understand the tax and legal consequences of any actions, including any implementation of any strategies or investments described herein.
© 2022 Morgan Stanley Smith Barney LLC. Member SIPC.
© 2022 Morgan Stanley Smith Barney LLC. Member SIPC.
Our Clientele
We serve a select clientele of highly accomplished entrepreneurs, early employees, and executives, as well as their families and charitable interests. Most of our clients are still actively involved in their careers and are anticipating, on the verge of, or have experienced a potentially life-changing liquidity event. While vocational flexibility may be something they seek temporarily or at some point in the future, many are serial entrepreneurs, early employees, and executives who also spend a significant amount of time on family and community involvements. Our clients often have a great deal of interest and curiosity about the tools and techniques we’ve used to help others achieve their goals. While these strategies may not always be suitable or applicable at any one time for every individual, our clients appreciate our collaborative approach to unpacking the pros and cons of each and every element of our rigorous planning framework to establish the right mix for them, their loved ones, and their evolving goals.
Location
555 California St, 35th
Floor
San Francisco, CA 94104
US
Direct:
(415) 984-6887(415) 984-6887
Meet The Alpine Vista Group
Jared Boldemann, CFP®
Senior Vice President, Wealth Management, Financial Advisor, Corporate Client Group Director
J.P. Scanlon
Senior Vice President, Wealth Management, Financial Advisor
Phone:
(415) 984-6527(415) 984-6527
Justin Smith
Senior Vice President, Wealth Management, Financial Advisor
Phone:
(415) 984-6629(415) 984-6629
Brianna Reyes
Associate Vice President, Wealth Management Associate
Phone:
(415) 984-6887(415) 984-6887
Austin Tobian
Financial Advisor
Phone:
(415) 984-6526(415) 984-6526
Veronica Mendoza
Registered Client Service Associate
Phone:
(415) 955-1513(415) 955-1513
About Matthew Swaffin-Smith
Matthew Swaffin-Smith has extensive experience working with highly affluent families and individuals, developing and implementing comprehensive wealth management plans based on their specific needs, goals and challenges. This includes a focus on investment strategies that complement concentrated stock positions or partnership interests, which typically represent the source of his clients wealth.
Before joining Morgan Stanley, Matthew was an executive director and senior investment advisor at the J.P. Morgan Private Bank in San Francisco. During his 18 years at J.P. Morgan, Matthew covered some of the Private Bank’s largest and most sophisticated clients in their London, Geneva, New York and San Francisco offices. His advice encompassed everything from opportunistic, absolute return focused investment ideas to building out allocations that complemented his client’s source of wealth.
Matthew has a B.A. (with honors) in international business and finance with French from Leeds Metropolitan University in the U.K., and a Diplome from the Ecole Superieure de Commerce in Caen, France. He joined Morgan Stanley in San Francisco in 2016, and lives downtown with his wife and their two sons.
Before joining Morgan Stanley, Matthew was an executive director and senior investment advisor at the J.P. Morgan Private Bank in San Francisco. During his 18 years at J.P. Morgan, Matthew covered some of the Private Bank’s largest and most sophisticated clients in their London, Geneva, New York and San Francisco offices. His advice encompassed everything from opportunistic, absolute return focused investment ideas to building out allocations that complemented his client’s source of wealth.
Matthew has a B.A. (with honors) in international business and finance with French from Leeds Metropolitan University in the U.K., and a Diplome from the Ecole Superieure de Commerce in Caen, France. He joined Morgan Stanley in San Francisco in 2016, and lives downtown with his wife and their two sons.
Securities Agent: CA, CO, MT, MI, MD, AZ, WA, OR, TN, OH, NM, MA, DE, DC, CT, WY, VA, SD, NV, IA, FL, NC, IN, IL, GA, TX, UT, SC, PA, NJ, MN, KY, VT, NY, ID; General Securities Representative; Investment Advisor Representative
NMLS#: 837289
CA Insurance License #: CA Insurance License #0L11337
NMLS#: 837289
CA Insurance License #: CA Insurance License #0L11337
About Jared Boldemann
Jared’s family roots run deep in the San Francisco Bay Area, where his family started the Boldemann Chocolate Company in the late 1880s. Growing up in San Mateo, California he started working at an early age in order to pay for his college education at San Diego State University and Bristol University in the United Kingdom, where he studied politics and economics. He began his career in finance a couple of years after the dot-com bust in San Francisco, working with financial advisors and families to construct tax-exempt municipal bond portfolios at Stone & Youngberg. In 2011, Jared joined Morgan Stanley and subsequently became a CERTIFIED FINANCIAL PLANNER™. Jared enjoys educating clients on matters related to asset protection, retirement planning, equity compensation and financial planning. He spends the majority of his time working with clients to uncover the best possible solutions to their financial challenges.
On his days off, you can find Jared downhill skiing or trekking on mountains around the world.
On his days off, you can find Jared downhill skiing or trekking on mountains around the world.
Securities Agent: NM, IN, WY, WA, OH, KY, NC, MN, MI, MD, SD, DE, CT, CO, VT, VA, NY, NJ, IA, PA, MT, IL, GA, FL, DC, TX, TN, NV, CA, AZ, MA, ID, OR; General Securities Representative; Investment Advisor Representative
NMLS#: 1252959
CA Insurance License #: 0H41060
NMLS#: 1252959
CA Insurance License #: 0H41060
About J.P. Scanlon
J.P. Scanlon joined Morgan Stanley Wealth Management as Senior Vice President and Financial Advisor in 2021. He enjoys working with clients to unpack complex financial issues, primarily assisting founders and early employees of growth companies to keep more of what they've earned through tax and financial planning.
Clients depend on his more than 20 years of experience in a variety of market conditions and his integrity to help them preserve wealth for themselves and their families. His professional career has spanned both the fixed income and equity markets, where he has worked with private clients, money managers and family offices.
J.P. lives in San Francisco with his wife and son. He enjoys the outdoors, particularly biking, skiing, and has a passion for music, good food and wine.
Clients depend on his more than 20 years of experience in a variety of market conditions and his integrity to help them preserve wealth for themselves and their families. His professional career has spanned both the fixed income and equity markets, where he has worked with private clients, money managers and family offices.
J.P. lives in San Francisco with his wife and son. He enjoys the outdoors, particularly biking, skiing, and has a passion for music, good food and wine.
Securities Agent: SD, NV, VA, SC, KY, WY, MN, MI, FL, VT, MT, IN, ID, CO, WA, TX, NJ, NC, MA, IL, GA, TN, OR, MD, DC, CA, AZ, NY, CT, PA, OH, DE; General Securities Representative; Investment Advisor Representative
NMLS#: 2350179
NMLS#: 2350179
About Justin Smith
Justin is a Senior Vice President and Financial Advisor for The Alpine Vista Group at Morgan Stanley in San Francisco.
With over 20 years in the Private Wealth industry, Justin brings his extensive depth and knowledge in working with wealthy families and individuals. His unique approach offers clients concise, practical and highly customized financial advice. Justin specializes in pre and post liquidity financial planning for early employees of successful growth companies. Justin joined Morgan Stanley Private Wealth Management in 2021 after working at Credit Suisse and Smith Barney Wealth Management.
Outside of work, you can find Justin jogging the iconic Lyon Street steps early in the morning, skiing in Lake Tahoe on the weekends or coaching youth baseball. Justin and his wife live in San Francisco with their two young boys.
With over 20 years in the Private Wealth industry, Justin brings his extensive depth and knowledge in working with wealthy families and individuals. His unique approach offers clients concise, practical and highly customized financial advice. Justin specializes in pre and post liquidity financial planning for early employees of successful growth companies. Justin joined Morgan Stanley Private Wealth Management in 2021 after working at Credit Suisse and Smith Barney Wealth Management.
Outside of work, you can find Justin jogging the iconic Lyon Street steps early in the morning, skiing in Lake Tahoe on the weekends or coaching youth baseball. Justin and his wife live in San Francisco with their two young boys.
Securities Agent: DC, AZ, WA, NJ, CT, NY, NM, IN, IA, CO, CA, TN, NV, VA, TX, ID, IL, SD, MN, VT, MD, DE, NC, GA, FL, PA, OR, OH, MI, KY, WY, MT, MA; General Securities Representative; Investment Advisor Representative
NMLS#: 2556380
NMLS#: 2556380
About Brianna Reyes
Although she grew up in Sacramento, Brianna has always been drawn to San Francisco. Her father was raised in the Outer Mission district and married her mother in the Inner Richmond. Growing up, Brianna also spent many weekends and holidays at her Grandmother's house in the city. When she graduated high school, Brianna seized the opportunity to attend the University of San Francisco, where she majored in Finance, with a minor in Psychology. During her senior year of college, she accepted an internship as a Business Development Associate for a Morgan Stanley team and accepted a full-time role as a Client Service Associate after she graduated in 2012. In 2022, she was promoted to her current role as Wealth Management Associate.
Brianna strongly believes in the impact that one can make by caring about the well-being of others and having a positive attitude, and she brings this to her job every day when working with our team and clients. Outside of the office, she enjoys exploring the Bay Area, day trips to wine country, traveling and cooking with family and friends.
Brianna strongly believes in the impact that one can make by caring about the well-being of others and having a positive attitude, and she brings this to her job every day when working with our team and clients. Outside of the office, she enjoys exploring the Bay Area, day trips to wine country, traveling and cooking with family and friends.
About Austin Tobian
Austin was born and raised in Danville, California of the East Bay Area. He attended San Ramon Valley High School where he was the Varsity Soccer Captain and led his team to a NCS CIF Championship by scoring the gaming winning penalty kick. He went onto graduate from San Diego State University in 2019 with a Bachelors in Applied Mathematics and a Minor in Quantitative Economics. While at SDSU, he served as President of Campus Outreach, an on-campus Christian Ministry, and volunteered at The Miracle League of San Diego. He was also a founding father of the Pi Kappa Alpha International Fraternity where he served as Recruitment Chairman on the Executive Board.
Shortly after, Austin began his career as a Client Service Associate at Morgan Stanley Wealth Management. While providing white-glove service to clients, he developed a passion for comprehensive wealth planning and customized portfolio creation. The progression of these skills ultimately led him to make the transition to a Financial Advisor with the Alpine Vista Group.
Austin comes from a very competitive family where his grandfather won an Olympic Gold Medal. He loves to play all sorts of sports and games, especially golf, soccer, and baseball. In his free time, he likes to travel, surf, snowboard, and play cards with his family.
Shortly after, Austin began his career as a Client Service Associate at Morgan Stanley Wealth Management. While providing white-glove service to clients, he developed a passion for comprehensive wealth planning and customized portfolio creation. The progression of these skills ultimately led him to make the transition to a Financial Advisor with the Alpine Vista Group.
Austin comes from a very competitive family where his grandfather won an Olympic Gold Medal. He loves to play all sorts of sports and games, especially golf, soccer, and baseball. In his free time, he likes to travel, surf, snowboard, and play cards with his family.
Securities Agent: AL, AK, WY, WV, WI, WA, VT, VI, VA, UT, TX, TN, SD, SC, RI, PR, PA, OR, OK, OH, NY, NV, NM, NJ, NH, NE, ND, NC, MT, MS, MO, MN, MI, ME, MD, MA, LA, KY, KS, IN, IL, ID, IA, HI, GA, FL, DE, DC, CT, CO, CA, AZ, AR; General Securities Representative; Investment Advisor Representative
About Veronica Mendoza
Veronica joined Morgan Stanley in 2022. As a Client Service Associate Veronica helps clients with transactions, account maintenance, scheduling, and servicing. She enjoys building relationships with clients, and is currently working toward her Series 7 and Series 66 designations.
Veronica has previous financial experience from Chase Bank and Patelco Credit Union where she assisted servicing new accounts and mortgages. She also worked at start-up companies and mastered the ability of working in a fast-paced environment.
Veronica graduated with honors from CSU Eastbay with Bachelors in Business and Economics. She currently lives in the East Bay.
Veronica has previous financial experience from Chase Bank and Patelco Credit Union where she assisted servicing new accounts and mortgages. She also worked at start-up companies and mastered the ability of working in a fast-paced environment.
Veronica graduated with honors from CSU Eastbay with Bachelors in Business and Economics. She currently lives in the East Bay.
Contact Matthew Swaffin-Smith
Contact Jared Boldemann
Contact J.P. Scanlon
Contact Justin Smith
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
Wendy Fortenberry
Private Banker
Heaven Robinson
Planning Associate
Brent Curlow, CFA, CFP®
Financial Planning Director, Vice President
Managing Director, Wealth Management, Financial Advisor, Corporate Client Group Director
Executive Director, Financial Advisor, Senior Portfolio Manager, Corporate Cash Investment Director, Corporate Client Group Director, Institutional Fixed Income
Clint Eddy
Family Office Resource Generalist
Joe Saadi
Trust Specialist
About Wendy Fortenberry
Wendy Fortenberry is a Private Banker serving Morgan Stanley Wealth Management offices in San Francisco, California and Hawaii.
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.
Wendy began her career in financial services in 2001, and joined Morgan Stanley in 2015 as a Private Banker. Prior to joining the firm, she was a Wealth Management Banker at Merrill Lynch.
Wendy is a graduate of San Diego State University, where she received a Bachelor of Arts degree in Economics. She lives in the Bay Area. Outside of the office, Wendy enjoys attending professional baseball games & performing arts events as well as spending time with family and friends.
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.
Wendy began her career in financial services in 2001, and joined Morgan Stanley in 2015 as a Private Banker. Prior to joining the firm, she was a Wealth Management Banker at Merrill Lynch.
Wendy is a graduate of San Diego State University, where she received a Bachelor of Arts degree in Economics. She lives in the Bay Area. Outside of the office, Wendy enjoys attending professional baseball games & performing arts events as well as spending time with family and friends.
NMLS#: 637424
About Heaven Robinson
Heaven Robinson is a Planning Associate at Morgan Stanley providing dedicated financial planning support to Advisors and their teams. Operating as an extension of the FA/Team, she collaborates with clients to discover and define goals that matter most to them. Leveraging state of the art technology, she will evaluate various alternatives and their potential outcomes to help clients confidently choose the appropriate course of action. Heaven 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.
She earned her undergraduate degree from California State University, Los Angles and received the Financial Planning Specialist® designation from the College for Financial Planning. Heaven is originally from the San Francisco Bay Area and currently resides in Alpharetta, GA.
She earned her undergraduate degree from California State University, Los Angles and received the Financial Planning Specialist® designation from the College for Financial Planning. Heaven is originally from the San Francisco Bay Area and currently resides in Alpharetta, GA.
About Brent Curlow
Brent Curlow is a Vice President and Financial Planning Director serving Morgan Stanley’s Wealth Management offices in San Francisco and Hawaii. He is responsible for helping Financial Advisors with their clients’ and prospects’ financial planning needs.
Brent began his career in financial services in 2003, and joined Morgan Stanley in 2022. Prior to his current position, he worked at First Hawaiian Bank as an Investment Services Analyst.
Brent graduated from the Wharton School of the University of Pennsylvania and holds his CERTIFIED FINANCIAL PLANNER™ designation and is a CFA charter holder . Brent lives in Honolulu, Hawaii with his wife, Helen. Outside of work, Brent volunteers as Social Chair for CFA Hawaii and Board Director for Financial Planning Association of Hawaii.
Brent began his career in financial services in 2003, and joined Morgan Stanley in 2022. Prior to his current position, he worked at First Hawaiian Bank as an Investment Services Analyst.
Brent graduated from the Wharton School of the University of Pennsylvania and holds his CERTIFIED FINANCIAL PLANNER™ designation and is a CFA charter holder . Brent lives in Honolulu, Hawaii with his wife, Helen. Outside of work, Brent volunteers as Social Chair for CFA Hawaii and Board Director for Financial Planning Association of Hawaii.
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.
About Joe Saadi
Joseph Saadi is the Regional Trust Specialist for Morgan Stanley’s Central Region. Within the Trust Services Group, Joe is responsible for delivering the “Open Architecture” trustee platform, which consists of several unaffiliated third-party trust companies who serve in a fiduciary, agency or custodial role for high-net-worth and ultra-high-net-worth families. Joe and the Trust Services Group help Morgan Stanley Financial Advisors, clients, prospects and the professional community understand the corporate trustee services available through Morgan Stanley and how their corporate trustee partners provide fiduciary services to clients. The process involves reviewing trust documents and statements as well as analyzing family dynamics. Joe then uses this information to help clients select one or more of the Firm’s corporate trustee partners to possibly serve as trustee, co-trustee or administrative agent for client trust accounts.
Prior to joining the firm, Joe’s 30 years of legal and comprehensive wealth planning experience include positions as Managing Director at TIAA Trust Company, Market Trust Director at JP Morgan Trust Company, Trust & Estate Specialist at Merrill Lynch Trust Company, and District Attorney General at the Ohio Attorney General’s Office.
Joe obtained his Bachelor of Science in Business Administration degree from John Carroll University and his Juris Doctor from Cleveland-Marshall College of Law. Joe is a member of the State Bar of Ohio and holds his Series 7 and 66 licenses.
Prior to joining the firm, Joe’s 30 years of legal and comprehensive wealth planning experience include positions as Managing Director at TIAA Trust Company, Market Trust Director at JP Morgan Trust Company, Trust & Estate Specialist at Merrill Lynch Trust Company, and District Attorney General at the Ohio Attorney General’s Office.
Joe obtained his Bachelor of Science in Business Administration degree from John Carroll University and his Juris Doctor from Cleveland-Marshall College of Law. Joe is a member of the State Bar of Ohio and holds his Series 7 and 66 licenses.
Morgan Stanley Wealth Management Financial Advisers can conduct their business in several ways: individually, as a member of a team of Financial Advisors, or through the formation of a Strategic Partnership with another Financial Advisor or team of Financial Advisors. A Strategic Partnership is an arrangement between a Financial Advisor or a team of Financial Advisors with another Financial Advisor or team of Financial Advisors that has a unique focus or knowledge regarding a specific business concentration, product area, and/or client type. If your account is with an individual Financial Advisor, that Financial Advisor services all facets of your account. If your account is with a Financial Advisor who is a member of a team, any Financial Advisor on the team can service your account. If your Financial Advisor is part of a Strategic Partnership, his or her role in that Strategic Partnership may be limited to a specific business and/or product area and may not cover all facets of your account. The use of the terms “Partner” or “Strategic Partner” and/or “Partnership” or “Strategic Partnership” are used as terms of art and not used to imply or connote any legal relationship.
Wealth Management
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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.
Ready to start a conversation? Contact The Alpine Vista Group today.
Certified Financial Planner Board of Standards, Inc. (CFP Board) owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™, and CFP® (with plaque design) in the United States, which it authorizes use of by individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
1Morgan Stanley 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 Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
3Morgan 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.
4Morgan 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.
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.
6Alternative 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.
7Morgan 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
8Morgan 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.
9When 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.
10When 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.
11Morgan 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.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
1Morgan Stanley 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 Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
3Morgan 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.
4Morgan 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.
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.
6Alternative 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.
7Morgan 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
8Morgan 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.
9When 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.
10When 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.
11Morgan 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.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
CRC 6491812 (04/2024), 3582895 (6/2024)
