Theodore G. Hart
Managing Director, Wealth Management, Financial Advisor, Portfolio Management Director
Phone:
(202) 861-5020(202) 861-5020
The Beacon Capitol Group at Morgan Stanley
Direct:
(202) 861-5020(202) 861-5020
Toll-Free:
(800) 522-3546(800) 522-3546
Our Mission Statement
Committed to crafting tailored strategies for each family and association that we work with, providing the best advice possible, and always keeping our clients’ best interests above our own.
About Us
At the Beacon Capitol Group at Morgan Stanley, we are wealth advisors, who provide comprehensive wealth management services to a select clientele of high net worth families, foundations, and associations. We believe in building long-term relationships and are committed to making a difference in your financial well-being. We focus on your personal needs, goals, and dreams to create a disciplined and customized investment strategy to help you grow your net worth. We aim to simplify your financial life by continuing to review your investment strategy in the face of life events, changing priorities, and new aspirations. Together, we will build, grow, and preserve your wealth as your life unfolds.
We strive for excellence in every aspect of our practice and aspire to create solid and long lasting client relationships through trust, integrity, and superior service. Our success is measured solely by the success you have in achieving your goals.
Our Team is proud to have been named one of Forbes Best-In-State Wealth Management Teams for 2024.
Source: Forbes.com (Awarded Jan 2024) Data compiled by SHOOK Research LLC based for the period from 3/31/22–3/31/23.
https://www.morganstanley.com/disclosures/awards-disclosure/
We strive for excellence in every aspect of our practice and aspire to create solid and long lasting client relationships through trust, integrity, and superior service. Our success is measured solely by the success you have in achieving your goals.
Our Team is proud to have been named one of Forbes Best-In-State Wealth Management Teams for 2024.
Source: Forbes.com (Awarded Jan 2024) Data compiled by SHOOK Research LLC based for the period from 3/31/22–3/31/23.
https://www.morganstanley.com/disclosures/awards-disclosure/
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
2025 Forbes Best-In-State Wealth Management Teams
Source: Forbes (Awarded Jan 2025) Data compiled by SHOOK Research LLC based for the period 3/31/23–3/31/24.
Awards Disclosures
Awards Disclosures
Ted Hart - Forbes Best-In-State Wealth Advisors 2024
Source: Forbes.com (Awarded 2024). Data compiled by SHOOK Research LLC based on 12-month time period concluding in June of year prior to the issuance of the award.
Maria Montanez - Forbes Best-In-State Women Wealth Advisors 2024
Source: Forbes.com (February 2024) 2024 Forbes America's Top Women Wealth Advisors & Forbes Top Women Wealth Advisors Best-In- State rankings awarded in 2024. This ranking was determined based on an evaluation process conducted by SHOOK Research LLC (the research company) in partnership with Forbes (the publisher) for the period from 9/30/22-9/30/23.
Modern Wealth Tools
Our goal is simple: “To be the firm with some of the most talented advisors in the industry leverage cutting-edge technology and deliver customized wealth management solutions to their clients and their families to help them to achieve their life goals.” The Firm strives to ensure it serves clients on its technology platforms that are resilient, safe, efficient, smart, fast and flexible.
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529 Education Savings Plans
529 plans offer a flexible, tax-advantaged way to invest for education expenses while helping to improve estate planning. Gain fiduciary oversight of your education funding strategy within the context of your broader portfolio through the exclusive Morgan Stanley National Advisory 529 Plan.
529 Plan Options at Morgan Stanley
Closed-End Funds
Pooled-asset portfolios that use leverage while accessing a broader opportunity set that includes private investments and other less-liquid, differentiated assets with access to timely offerings from the top asset managers in the industry.
Digital Vault
Digital Vault lets you easily and securely manage and share important documents such as account statements, authorizations, tax filings and other relevant documents with your Financial Advisor.
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Donor Advised Funds (DAF)
A solution that may help you execute planned giving, offer an efficient way to donate complex and illiquid assets, and simplify charitable giving reporting while potentially mitigating taxes. Bring philanthropy into your wealth plan and help amplify the impact of your giving through the Morgan Stanley Global Impact Funding Trust (MS GIFT).
MS GIFT
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Sign up for eDelivery today and start receiving email notifications as soon as your account documents are available on Morgan Stanley Online or the Morgan Stanley Mobile App. It's quick, convenient & secure.
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Morgan Stanley Financial Planning can show you a single, comprehensive snapshot of your finances. We can help you create a wealth plan that’s adaptable to the different stages of your life using our award winning tools- Goals Planning System (GPS) and LifeView.
Morgan Stanley Goals-Based Wealth Management
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The Morgan Stanley Global Investment Office provides you with world-class thought leadership timely market commentary, and portfolio ideas to help guide your investment decisions.
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As a leader in the distribution of insurance and annuities, our offerings include disability, long-term care and property & casualty insurance, as well as fixed, indexed and variable annuities. Morgan Stanley offers these products in conjunction with its licensed insurance agency affiliates.
Morgan Stanley Insured Solutions
Investment Advisory
Manage your investments within a holistic advisory relationship and take advantage of integrated tax, risk management and estate planning benefits across your entire wealth strategy—backed by leading insights and one of the financial industry's most comprehensive, multi-award-winning advisory platforms.
Portfolio Risk Platform
Our Portfolio Risk Platform, backed by institutional-caliber analytics, assesses thousands of risk factors using a holdings-based approach to assess a portfolio’s exposures, analyze how securities behave together across portfolios and forecast how they influence risk and return moving forward.
Portfolio Risk Platform
Security Center
Learn about our latest security measures, how we are safeguarding your assets and personal information and find actionable insights and resources on important cybersecurity topics to enhance your own online security.
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Separately Managed Accounts
A selection of about 600 professionally managed portfolios to align with your goals and risk tolerance, with access to institutional pricing and zero-fee index SMAs.
Total Tax 365
Taxes can be a substantial drag on investment returns. Morgan Stanley Total Tax 365 offers access to a broad range of tax-efficient strategies to help you integrate tax planning into your investment process all year long, maximize portfolio after-tax return potential and help keep more of what you earn.
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MS at Work Learning Center
Morgan Stanley at Work delivers workplace financial solutions that can help your employees build financial confidence and help you attract and retain top talent.
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Let Your Equity Compensation Help You Reach Financial Goals
Your equity compensation can play an important role as you build your personalized financial roadmap and work toward your objectives. Strategically using your proceeds may make it possible for you to meet certain milestones sooner, or provide more flexibility for your long-term plans.
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Four Considerations When Diversifying Your Portfolio
As you accumulate company stock, you may find that it represents a sizeable portion of your total portfolio and net worth. But investments can fluctuate in value based on market conditions, company performance, geopolitical factors and more.
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4 Tax Management Strategies To Consider for Your Equity Compensation
Using an effective tax management strategy for your equity compensation can not only reduce your tax liabilities but can also enhance your after-tax returns. Here’s a look at four strategies you may want to consider.
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What is an RSU?
Restricted stock is an award of company stock, subject to conditions (such as continued service to the company or attainment of performance goals) that must be met before you have the right to sell or transfer the stock. Restricted Stock Units (RSUs) are equivalent to shares, but are converted to stock upon vesting.
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Demystifying 10b5-1 Plans
10b5-1 plans can help executives and other insiders to meet their goals, particularly with regard to potentially diversifying holdings and reducing idiosyncratic risks associated with concentrated positions.
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Introducing The Beacon Capitol Group at Morgan Stanley
Embarking on a new era, we proudly announce our new team name, The Beacon Capitol Group.
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Mid-Year Highlights
This summer is not only a time for relaxation, but also a period of growth and opportunity for The Beacon Capitol Group at Morgan Stanley. Our team has been hard
at work continuing our pursuit in making a difference in your financial well-being, while welcoming new team members and furthering our education to enhance our
ability to better serve our clients.
Read Moreat work continuing our pursuit in making a difference in your financial well-being, while welcoming new team members and furthering our education to enhance our
ability to better serve our clients.
Workplace Advisor - Equity Compensation
Workplace Advisors are financial advisors who receive rigorous training and education on company specific plans to service their clients’ needs. These designated advisors can help you determine how your equity compensation fits into your overall goals and financial strategy.
Century Club, Morgan Stanley Wealth Management - Maria Montanez and Patrick Renzi
The appointment recognizes consistent creativity and excellence in providing a wide range of investment products and wealth management services to clients.
Pacesetter's Club - Julia H. Myers and Nastia Seikaly
Location
1775 I Street NW
Suite 200
Washington, DC 20006
US
Direct:
(202) 861-5020(202) 861-5020
Toll-Free:
(800) 522-3546(800) 522-3546
Meet The Beacon Capitol Group
Senior Vice President, Wealth Management, Financial Advisor, Family Wealth Advisor, International Client Advisor
Phone:
(202) 857-5453(202) 857-5453
Julia H. Myers, CFP®
Vice President, Financial Advisor, CERTIFIED FINANCIAL PLANNER®, Financial Planning Specialist
Sanaam Partovi
Client Service Associate
Phone:
(202) 862-9066(202) 862-9066
Delaney Greene
Client Service Associate
Phone:
(202) 861-5015(202) 861-5015
Elaijah Destin
Client Service Associate
Phone:
(202) 862-9067(202) 862-9067
About Theodore G. Hart
Theodore Hart is a Managing Director with over three decades of investment experience. He began his career with Dean Witter in 1989 and was a founding member of Morgan Stanley’s ESOP Transaction Services Group in 2001, specializing in Employee Stock Ownership Plans for privately held companies.
Ted has earned prestigious recognition from Barron’s, being named one of America’s top 1,200 Financial Advisors in 2022 and 2023. He is also ranked among the Top 25 Advisors in Washington, DC. His current practice encompasses foundations, endowments, associations, and high-net worth individuals, where he excels in implementing wealth management strategies for clients, concentrating on portfolio management and developing customized investment plans.
Ted holds a Bachelor of Arts in Economics from the University of Maryland and has been a President’s Club Member at Morgan Stanley since 1997. Residing in Chevy Chase, Maryland with his wife, Cindy, they have two adult daughters both residing in Washington, DC. In his free time, he is an avid golfer and tennis player.
Barron's Top 1,200 Financial Advisors: State-by-State (formerly referred to as Barron's Top 1,000 Financial Advisors: State-by-State)
Source: Barrons.com (Awarded 2022-2023). Data compiled by Barron's based on 12-month period concluding in Sept of the year prior to the issuance of the award.
Ted has earned prestigious recognition from Barron’s, being named one of America’s top 1,200 Financial Advisors in 2022 and 2023. He is also ranked among the Top 25 Advisors in Washington, DC. His current practice encompasses foundations, endowments, associations, and high-net worth individuals, where he excels in implementing wealth management strategies for clients, concentrating on portfolio management and developing customized investment plans.
Ted holds a Bachelor of Arts in Economics from the University of Maryland and has been a President’s Club Member at Morgan Stanley since 1997. Residing in Chevy Chase, Maryland with his wife, Cindy, they have two adult daughters both residing in Washington, DC. In his free time, he is an avid golfer and tennis player.
Barron's Top 1,200 Financial Advisors: State-by-State (formerly referred to as Barron's Top 1,000 Financial Advisors: State-by-State)
Source: Barrons.com (Awarded 2022-2023). Data compiled by Barron's based on 12-month period concluding in Sept of the year prior to the issuance of the award.
Securities Agent: WA, AZ, MI, OH, NY, DE, CT, WY, VA, PA, MS, MN, ME, FL, NC, LA, CO, MD, GA, WI, NJ, AK, MA, DC, SC, OR, MO, IN, TX, NV, IL, CA, RI, NH; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1268266
NMLS#: 1268266
About Maria Montanez
From the onset of her career, Maria recognized the value of working with families with different objectives and aspirations. Having spent over thirty years advising clients as they transition from early savers to successful retirees, she has developed the expertise to deal with the unique challenges that are presented in each stage of their financial lives such as wealth accumulation, income generation, and legacy planning.
Previously, Maria was Vice President Wealth Management with UBS where she was concurrently Coordinator for Mutual Funds and Insurance for the local office. Prior to that, she joined Merrill Lynch in 1985 in Washington DC where she was recognized for her performance and appointed a Vice President in 1990. During her eleven years with the firm, she began her specialty in advising diplomats and foreign nationals on the rules and regulations of investing in the United States. In 2007, she joined Smith Barney as Vice President Wealth Management.
Maria holds the CIMA® (Certified Investment Management Analyst) designation which she received after completing the necessary educational program at the Wharton School, University of Pennsylvania, in February of 2005. She received her Bachelors of Science in Business Administration from American University in Washington DC.
She dedicates her efforts to causes that promote education and leadership for young women. She has served on the Board of Directors of her Alma Mater, St. Elizabeth Seton, H.S. with the mission to promote a strong education for adolescent women in high school. She is also a very active member and advisor of the Women’s Foreign Policy Group. Since 2014, she has served on her firm’s Diversity Council, promoting diversity within the firm and our clients. Lastly, she has been a speaker at prestigious international organizations such as The World Bank and InterAmerican Bank, presenting topics such as Retirement Planning.
Previously, Maria was Vice President Wealth Management with UBS where she was concurrently Coordinator for Mutual Funds and Insurance for the local office. Prior to that, she joined Merrill Lynch in 1985 in Washington DC where she was recognized for her performance and appointed a Vice President in 1990. During her eleven years with the firm, she began her specialty in advising diplomats and foreign nationals on the rules and regulations of investing in the United States. In 2007, she joined Smith Barney as Vice President Wealth Management.
Maria holds the CIMA® (Certified Investment Management Analyst) designation which she received after completing the necessary educational program at the Wharton School, University of Pennsylvania, in February of 2005. She received her Bachelors of Science in Business Administration from American University in Washington DC.
She dedicates her efforts to causes that promote education and leadership for young women. She has served on the Board of Directors of her Alma Mater, St. Elizabeth Seton, H.S. with the mission to promote a strong education for adolescent women in high school. She is also a very active member and advisor of the Women’s Foreign Policy Group. Since 2014, she has served on her firm’s Diversity Council, promoting diversity within the firm and our clients. Lastly, she has been a speaker at prestigious international organizations such as The World Bank and InterAmerican Bank, presenting topics such as Retirement Planning.
Securities Agent: NY, MS, MN, CO, IL, LA, MI, MA, NJ, CA, IN, DE, AK, NC, ME, VA, MD, TX, CT, AZ, WI, NV, FL, PA, GA, PR, SC, WA, OR, NM, DC, RI, NH, OH; General Securities Representative; Investment Advisor Representative
NMLS#: 1403981
NMLS#: 1403981
About Patrick S. Renzi
Patrick Renzi is a Senior Vice President and Financial Advisor, who has been with the firm since 2015. He is a Portfolio Manager and focuses on addressing the investment needs of high-net worth individuals and associations through portfolio construction. Patrick excels in working with clients to implement Alternative Investment Strategies including Private Equity, Private Credit, Real Estate and Infrastructure, Hedge Funds and Opportunity Zones. Patrick also specializes in Executive Compensation Planning and is well versed in various benefits such as Deferred Compensation Plans, Incentive Stock Options, Nonqualified Stock Options, Restricted Stock Units, and Performance Stock Units.
Patrick sits on APIC’s Young Advisors Advisory Board (YAAB) who’s mission is to support young advisors in navigating the complexities of the financial landscape through collaboration, education, and innovation. Patrick has also been recognized as a member of the Pacesetter's Club at Morgan Stanley since 2018 and Century Club since 2023.
Originally from Boston, Patrick earned his Bachelor of Arts in Economics from Boston University. Patrick is active in the BU Men’s Lacrosse Alumni network and sits on the Young Alumni Council. Now residing in Washington, DC, he enjoys cooking, skiing, boating, and following his favorite Boston sports teams.
Patrick sits on APIC’s Young Advisors Advisory Board (YAAB) who’s mission is to support young advisors in navigating the complexities of the financial landscape through collaboration, education, and innovation. Patrick has also been recognized as a member of the Pacesetter's Club at Morgan Stanley since 2018 and Century Club since 2023.
Originally from Boston, Patrick earned his Bachelor of Arts in Economics from Boston University. Patrick is active in the BU Men’s Lacrosse Alumni network and sits on the Young Alumni Council. Now residing in Washington, DC, he enjoys cooking, skiing, boating, and following his favorite Boston sports teams.
Securities Agent: MA, DE, AK, TN, SC, RI, NH, NE, IN, DC, CT, PR, OR, OH, IA, PA, NV, NC, FL, NY, LA, AZ, MN, ME, WA, CO, NJ, IL, CA, MI, MD, GA, WV, WI, VA, TX, MS; General Securities Representative; Investment Advisor Representative
NMLS#: 1377902
NMLS#: 1377902
About Julia H. Myers
Julia Myers is a Vice President, Financial Advisor and Financial Planning Specialist with The Beacon Capitol Group. She brings over a decade of experience working with clients to attain their financial goals by designing and implementing retirement plans and strategic asset allocations. As a CERTIFIED FINANCIAL PLANNER™ (CFP®) professional, she assists clients with a wide range of financial planning issues, including lending, estate planning strategies, insurance, intergenerational wealth transfer, and philanthropy management. As a Workplace Advisor - Equity Compensation, she educates equity plan participants and incorporates executive compensation planning into the customized financial plans we provide for our clients. Julia has been a member of the Pacesetter's Club at Morgan Stanley since 2019.
Julia currently sits on the DC/Annapolis Complex Diversity & Inclusion Council and serves as a mentor with the CFP® board, with the goal of attracting individuals with different backgrounds to wealth management careers and helping them develop their career paths in financial planning.
Julia is currently pursuing a master's degree in personal financial planning with a focus in financial therapy through Kansas State University. She graduated Cum Laude with a Bachelor of Arts in Psychology from the University of Maryland. Julia is originally from Baltimore, but currently resides in Washington, DC. Outside of the office, she enjoys playing competitive volleyball, reading, and traveling.
Julia currently sits on the DC/Annapolis Complex Diversity & Inclusion Council and serves as a mentor with the CFP® board, with the goal of attracting individuals with different backgrounds to wealth management careers and helping them develop their career paths in financial planning.
Julia is currently pursuing a master's degree in personal financial planning with a focus in financial therapy through Kansas State University. She graduated Cum Laude with a Bachelor of Arts in Psychology from the University of Maryland. Julia is originally from Baltimore, but currently resides in Washington, DC. Outside of the office, she enjoys playing competitive volleyball, reading, and traveling.
Securities Agent: LA, NH, CT, CO, RI, NE, GA, CA, NV, NJ, DC, SC, OR, MN, WA, NC, WI, MS, IL, ID, PA, PR, NY, IN, AK, VA, TX, OH, MI, ME, FL, DE, AZ, MD, MA; General Securities Representative; Investment Advisor Representative
NMLS#: 1615197
CA Insurance License #: 4120435
NMLS#: 1615197
CA Insurance License #: 4120435
About Anastasia Seikaly
Anastasia "Nastia" Seikaly is a Financial Advisor and Financial Planning Specialist who joined The Beacon Capitol Group as a Client Service Associate in 2018 and transitioned into a Financial Advisor role in January 2021. Nastia focuses on financial planning and oversees new business development and client onboarding. She’s been named to Morgan Stanley’s prestigious Pacesetters Club for 2023, a group of the firm’s successful Financial Advisors.
Prior to joining the Beacon Capitol Group, Nastia was a tennis teaching professional in upstate New York. She holds a B.S. in Sports Management from the University of Utah and an M.S. in International Business Management from Durham University in England.
Nastia is a former professional tennis player and was a #2 ranked tennis player in Russia and was one of the top junior players in the world. Originally from Belgorod, Russia, she currently lives in Arlington, Virginia with her husband, Karim, their son Sasha, and their rescue dog Luke. She remains active in competitive tennis leagues and enjoys running, hiking, and traveling.
Prior to joining the Beacon Capitol Group, Nastia was a tennis teaching professional in upstate New York. She holds a B.S. in Sports Management from the University of Utah and an M.S. in International Business Management from Durham University in England.
Nastia is a former professional tennis player and was a #2 ranked tennis player in Russia and was one of the top junior players in the world. Originally from Belgorod, Russia, she currently lives in Arlington, Virginia with her husband, Karim, their son Sasha, and their rescue dog Luke. She remains active in competitive tennis leagues and enjoys running, hiking, and traveling.
Securities Agent: IA, AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MS, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, PR, RI, SC, TN, TX, UT, VA, VI, VT, WA, WI; General Securities Representative; Investment Advisor Representative
NMLS#: 2340019
NMLS#: 2340019
About Sanaam Partovi
Sanaam Partovi serves as a client service associate and joined The Beacon Capitol Group in 2023. Her focus’ includes cultivating and enhancing new and existing client relationships through active communication with clients, while performing operational duties that support financial advisors in their daily business practices.
She graduated from Marymount University with a Bachelor of Arts in Fashion Merchandising. Prior to joining financial services, she worked in the fashion industry at Chanel.
She enjoys hiking, traveling, and exploring new restaurants. She is originally from Washington, DC, and lives in Northern Virginia.
She graduated from Marymount University with a Bachelor of Arts in Fashion Merchandising. Prior to joining financial services, she worked in the fashion industry at Chanel.
She enjoys hiking, traveling, and exploring new restaurants. She is originally from Washington, DC, and lives in Northern Virginia.
About Delaney Greene
Delaney is a Client Service Associate at The Beacon Capitol Group, joining the team in May 2024. She graduated from the University of Maryland in 2019 with a Bachelor of Arts in English.
Before joining the team, Delaney worked in corporate event planning in Bethesda, MD.
Born and raised in the DMV area, she currently lives in Washington DC, and enjoys spending time with her family and her dog, Sonny.
Before joining the team, Delaney worked in corporate event planning in Bethesda, MD.
Born and raised in the DMV area, she currently lives in Washington DC, and enjoys spending time with her family and her dog, Sonny.
About Elaijah Destin
Elaijah "Ej" Destin is a Client Service Associate and has been with the Beacon Capitol Group since 2024. Before that, he obtained his series 7 & 63 and was a registered trader with E*TRADE Financial.
Ej grew up in Fort Lauderdale before going to University of South Florida in Tampa. At USF, he obtained a B.A. in Economics.
In Ej's free time, you can catch him gaming, reading, and watching his favorite team, Arsenal FC.
Ej grew up in Fort Lauderdale before going to University of South Florida in Tampa. At USF, he obtained a B.A. in Economics.
In Ej's free time, you can catch him gaming, reading, and watching his favorite team, Arsenal FC.
Contact Theodore G. Hart
Contact Maria Montanez
Contact Patrick S. Renzi
Contact Julia H. Myers
Contact Anastasia Seikaly
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
Tolu Adeyemi
Private Banker
About Tolu Adeyemi
Tolu Adeyemi is a Private Banker serving Morgan Stanley Wealth Management offices in Washington D.C. and Maryland.
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.
Tolu began his career in financial services in 2007, and joined Morgan Stanley in 2018. Prior to joining the firm, he was a Senior Client Advisor at PNC Private Bank. He also served as a Wealth Management Banker and Investment Service Adviser for Merrill Lynch.
Tolu is a graduate of Kean University, where he received a Bachelor of Science in Marketing. He lives in Fulton, MD with his wife and two sons. Outside of the office, Tolu enjoys playing golf, fishing, cooking, and 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.
Tolu began his career in financial services in 2007, and joined Morgan Stanley in 2018. Prior to joining the firm, he was a Senior Client Advisor at PNC Private Bank. He also served as a Wealth Management Banker and Investment Service Adviser for Merrill Lynch.
Tolu is a graduate of Kean University, where he received a Bachelor of Science in Marketing. He lives in Fulton, MD with his wife and two sons. Outside of the office, Tolu enjoys playing golf, fishing, cooking, and spending time with family and friends.
NMLS#: 643728
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
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Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
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Creating customized financial strategies for the challenges that today’s families face.
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Financial Planning for Life After Selling a Business
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Donor Advised Funds: A Smart Way to Manage Your Giving
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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:
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- Improve retention and engagement, and
- Set themselves apart by offering comprehensive financial wellness benefits.
Ready to start a conversation? Contact The Beacon Capitol Group today.
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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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan 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.
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.
4The returns on a portfolio consisting primarily of Environmental, Social and Governance (“ESG”) aware investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because ESG criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Diversification does not guarantee a profit or protect against loss in a declining financial market.
5Morgan 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.
6Morgan 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.
7Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
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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)
