Welcome

We are dedicated to helping corporate executives optimize their personal and company wealth.We understand corporate executives – your busy schedule, how you are compensated, how your company plans work and tax & liquidity strategies.  These insights, combined with our understanding of your goals and passions will serve as the foundation of your personalized comprehensive wealth plan.  Our team is positioned to help you make well informed decisions for you and your family. Our practice offers the intimacy of a boutique, coupled with the resources of one of the premier investment firms in the world.
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*

WORKPLACE FINANCIAL BENEFITS WITH MORGAN STANLEY AT WORK

Our mission is to help your company elevate your workplace financial benefits—helping you to attract and retain top talent. Our end-to-end solutions support your company and employees at any stage of growth through a powerful combination of modern technology, insightful guidance, and dedicated service.

    Equity Solutions

    Equity ownership is a powerful motivator. Streamline equity management through our leading-edge technology and provide global audit-ready reporting and insights, alongside customizable participant experiences to engage and educate your employees on how to make the most of their benefits. Our global solutions support private and public companies at any stage of growth.

    • Equity Administration and Financial Reporting
    • Liquidity Events
    • 409A Valuation Services and Cap Table Management

    Learn more
    Retirement

    For your employees, retirement is more than a date in the future—it's a milestone that takes time, hard work, and the right tools. Through our consultative process, we strive to assist with the management of your fiduciary responsibilities and risk, simplify plan management, and help you improve retirement readiness for your employees.

    • Defined Contribution Consulting
    • Solutions-Oriented Plans
    • Fiduciary Investment Oversight

    Learn more
    Deferred Compensation

    Access a range of Nonqualified Deferred Compensation plan services or pick the ones that best fit your needs. We provide recordkeeping and plan design, portfolio construction services, and plan education for your executive talent. We help you determine the appropriate plan design and inform a funding strategy through a needs-based assessment and consultative approach.

    Services include:

    • Recordkeeping and Plan Design
    • Portfolio Construction
    • Wealth Management Services
    Learn more
    Executive Services

    Our dedicated team provides concierge-level support for your executives' equity compensation plans, from 10b5-1 trading plans to form filing related to Rule 144 transactions, to access to wealth management and tax-optimization strategies, so helping them navigate their complex financial needs with greater confidence and certainty:

    • Equity Compensation Services
    • Equity Award Analysis
    • Specialized Solutions
    Learn more
    Saving and Giving

    Saving and Giving benefits can make a real difference in your employees' lives as they can support the things that matter most to them—like saving for education and repaying student loans. Show that you are committed to your employees' priorities with leading-edge solutions that help them chart a path toward financial well-being.

    • College Savings
    • Student Loan Repayment and Refinancing
    • Charitable Giving
    Learn more
    Financial Wellness

    We offer Financial Wellness with every solution we provide. Through a powerful combination of education, digital tools and guidance, Financial Wellness is designed to address the unique needs of your employees and empower their financial journey at every stage. Give your employees the confidence to take charge of their finances.

    • Financial Education
    • Digital Tools
    • Financial Guidance

    Learn more

Location

340 Mount Kemble Avenue
Morristown, NJ 07960
US
Direct:
(973) 267-4545(973) 267-4545
Toll-Free:
(855) 744-2383(855) 744-2383

Meet The BCM Group

Photo of Dawn Stedronsky

Dawn Stedronsky

Wealth Management Associate
Phone:
(561) 694-7029(561) 694-7029

About Richard M. Beltram

Richard Beltram is a Managing Director and Senior Portfolio Management Director of Wealth Management. Rich has over 30 years of industry experience and focuses on high net worth fixed income management. As a Morgan Stanley Fixed Income Select member, he is considered a Fixed Income High Net Worth Advisor. Currently, less than 20% of the Firm’s Advisors have this designation. Rich works with Morgan Stanley’s intellectual capital, by utilizing his direct access to strategy teams, credit analysts and traders when developing a client’s fixed income portfolio. Richard has been selected a Forbes Best In-State Wealth Advisor since 2019 to present along with being named as a NJ Monthly Five Star Wealth Manager from 2012 through present, he has been a Morgan Stanley Presidents Council Member since 2003. Richard studied at Kean University where he acquired his Bachelor of Science degree in Finance and minored in Psychology. Then a brother of Delta Epsilon Chi, a Business Fraternity. Richard currently resides in West Palm Beach Florida and Randolph NJ with his wife and two daughters. He is an active member of St. Ann Parish in WPB and St. Matthew the Apostle’s in Randolph. Richard is a member of Ibis Country Club and a prestigious member in a private shooting club. In his spare time Richard enjoys off-shore fishing, skeet and trap shooting and spending quality time with family and friends.

2012-2024 Five Star Wealth Manager Award
Source: fivestarprofessional.com (Awarded 2012-2024) The award was determined based on an evaluation process conducted by Five-Star Professional based on objective criteria, during the following periods:
2012 Award - 04/15/2011- 10/16/2011
2013 Award - 04/15/2012 - 10/16/2012
2014 Award 04/15/2013 - 10/16/2013
2015 Award - 04/15/2014- 10/16/2014
2016 Award- 04/15/2015- 10/16/2015
2017 Award - 02/25/2016 - 10/7/2016
2018 Award - 02/21/2017 - 10/12/2017
2019 Award - 03/21/2018- 10/12/2018
2020 Award - 03/1/2019 - 10/16/2019
2021 Award - 03/30/2020 - 10/23/2020
2022 Award - 12/20/2021 - 06/17/2022
2023 Award - 03/21/2022 - 10/18/2022
2024 Award - 03/13/2023 - 09/29/2023

​2019-2025 Forbes Best-In- State Wealth Advisors
Source: Forbes.com (Awarded 2019-2024). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
Securities Agent: MI, AR, PA, OR, NM, MS, AK, OK, OH, NC, CA, WV, WI, VT, MO, IA, KY, ID, VI, TX, RI, NE, ME, MD, DC, CO, AZ, UT, PR, NY, LA, GA, AL, VA, NV, MA, KS, WA, TN, IL, FL, DE, WY, SD, NJ, NH, IN, CT, MN, SC; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1261978

About Dawn Stedronsky

Dawn Stedronsky is a Wealth Management Associate, and has been with the firm for over 29 years. Through her tenure, Dawn has made many key contacts and relationships within the firm, which adds to our teams internal depth. She provides monthly reporting and analysis in all aspects of portfolio management, as well as support for all client matters relating the day-to-day operations. Dawn currently resides in Palm Beach Gardens with her husband and two daughters. In her spare time, she enjoys the beach, exercising, reading, photography and spending time with her family in Cape Cod. Professional Details: 28 years of industry experience

About Carmel McPartland

Carmel McPartland is a Portfolio Associate with over 18 years of industry experience. Having recently joined us from Wells Fargo Advisors, Carmel provides operational support in all aspects of the client relationship. She assists with on boarding of clients, reviewing statements, provides monthly reporting and analysis in all aspects of portfolio management. Carmel is a graduate of Seton Hall University in South Orange, NJ with a Bachelors degree in Political Science. She currently resides in Bedminster, NJ, and in her spare time, enjoys traveling, cooking, skiing and spending weekends at the beach with her family.
B.S. Degree in Political Science - Seton Hall University 18+ years of industry experience
Wealth Management
Global Investment Office

Portfolio Insights

Read More about On the Markets
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Equity Compensation

Helping you make the most of your equity awards and better understand how it may fit into your larger financial picture – today and tomorrow.

  • Vesting events
  • Option expirations
  • Restricted stock units
  • Tax implications

Business Planning

Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
  • Succession Planning
  • Business Planning
  • Qualified Retirement Plans
Learn More about Business Planning
Financial Planning for Life After Selling a Business
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Financial Planning for Life After Selling a Business

Selling your business can mean big changes for your life, both personally and financially. Know how to make the most of your windfall.

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
Learn More about Family
529 Plans: A Powerful Tool to Save for Education
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529 Plans: A Powerful Tool to Save for Education

Though education costs continue to climb, starting to save and invest early can make a difference.

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
Learn More about Investing
Iran Conflict: Seven Takeaways for Investors
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Iran Conflict: Seven Takeaways for Investors

Prolonged conflict with Iran could lead to higher oil prices, hotter inflation and greater market uncertainty.

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
Learn More about Philanthropy
Donor Advised Funds: A Smart Way to Manage Your Giving
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Donor Advised Funds: A Smart Way to Manage Your Giving

There's more to charitable giving than you may realize. Here's one method that may be a tax-efficient way to give and can help maximize your impact.

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
Learn More about Retirement
A Simple Six-Step Retirement Checkup
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A Simple Six-Step Retirement Checkup

Checking in on your retirement plan may make a lot of sense, especially when market volatility arises.

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.
Learn More about Financial Wellness
The Business Case for a Financially Resilient Workforce
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The Business Case for a Financially Resilient Workforce

In the face of turbulent markets, the word “resilience” may be top of mind. Broadly speaking, resilience is the ability to “bounce back” when encountering life’s inevitable challenges.
Ready to start a conversation? Contact The BCM Group today.
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Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.

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Awards Disclosures | Morgan Stanley
CRC 4665150 (8/2025)