Steven J Ginter
Vice President, Financial Advisor, Financial Planning Specialist
Phone:
(717) 730-1804(717) 730-1804
The Blue Mountain Group at Morgan Stanley
Direct:
(717) 730-1804(717) 730-1804
Toll-Free:
(800) 237-1700(800) 237-1700
Our Mission Statement
Customized investment and financial strategies for clients like you
Welcome
Welcome to the Blue Mountain Group! With over 90 years of combined experience in the industry, our team provides comprehensive planning and investment strategies tailored to help meet our clients' unique needs.
At Blue Mountain Group, we pride ourselves on our commitment to building long-lasting client relationships. We believe in clear and open communication, transparency, and integrity in everything we do. We are dedicated to providing you with exceptional service and support, guiding you through every step of your financial journey.
Whether you are looking to retire comfortably, preserve your assets, and potentially grow your wealth, our team has the experience and resources to help you achieve your goals. We focus in financial plans, insurance, annuities, tax and estate planning strategies, cash management and lending solutions. We look forward to being there for you!
At Blue Mountain Group, we pride ourselves on our commitment to building long-lasting client relationships. We believe in clear and open communication, transparency, and integrity in everything we do. We are dedicated to providing you with exceptional service and support, guiding you through every step of your financial journey.
Whether you are looking to retire comfortably, preserve your assets, and potentially grow your wealth, our team has the experience and resources to help you achieve your goals. We focus in financial plans, insurance, annuities, tax and estate planning strategies, cash management and lending solutions. We look forward to being there for you!
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Digital Tools
Our comprehensive suite of digital tools are designed to help enhance every aspect of your financial life. Here are a few of the technologies we have to offer our clients.
Morgan Stanley Online
Your investments and everyday finances are always just a few clicks away with Morgan Stanley Online (MSO) and the Morgan Stanley Mobile App.
Learn More About MSO
Goals Planning System
A holistic Goals Planning System (GPS) approach to wealth management can help tailor an investment framework that considers key aspects of a client's life. Using goals as a benchmark, the investment strategy is continuously evaluated to help ensure clients are on track.
Goals Planning System
Total Wealth View
Complete your financial picture with Total Wealth View. By linking your account information, you will benefit from more informed wealth planning, more secure data access, and convenient connectivity.
Learn More About Total Wealth View
eDelivery
eDelivery provides you with the ability to view statements and other Firm documents electronically in lieu of paper. Clients who are registered in Morgan Stanley Online may enroll in eDelivery.
Learn More About eDeliveryProcess
Our aim is to tie goals to implementation, leveraging the intellectual capital and sophisticated institutional capabilities of Morgan Stanley.
Discover
Start with a conversation to gain a thorough understanding of your needs, lifestyle and family – and your goals for the future.
Advise
We work with you to develop portfolio strategies to help you achieve and protect the outcomes you envision.
Implement
Look across multiple accounts and products to help you implement solutions that are an appropriate fit for your strategy.
Track Performance
We help you track your performance as well as spending and savings to help you remain on track toward your goals.
WHAT'S HAPPENING WITH OUR TEAM AND THE FIRM
As interest rates appear to have peaked and are now declining, the Blue Mountain Group is working with clients who currently have money in cash, money market funds and our Preferred Savings Program to move into investments that lock-in today's higher rates for a period of time or may perform well in an environment of declining interest rates.
Doug.Berlin@morganstanley.com (717) 255-6683
Steven.J.Ginter@morganstanley.com (717) 730-1804
Jason.W.Brown@morganstanley.com (717) 730-1884
Lauren.Reed@morganstanley.com (717) 255-6649
Investor Resources
GIC Weekly Research Report
The Global Investment Committee's Lisa Shalett headlines this weekly look at markets, asset class performance and fixed income.
Click Here for the "GIC Weekly"
On The Markets Research Report
Detailed market commentary from Morgan Stanley's thought leaders on topics such as global equities, fixed income, monetary policy and more.
Click Here for the "On The Markets"
Thoughts On The Market Podcast
With perspectives on the forces shaping the market, join Mike Wilson, Chief Investment Officer and Chief US Equity Strategist for Morgan Stanley, as he and his colleagues discuss a variety of viewpoints regarding the latest trends in the financial marketplace.
Click Here for the Latest Episode
2024 Tax Tables
Each year, the tax bill highlights how significantly taxes can impact your journey toward your financial goals — and highlights the value of integrating tax-efficient strategies into your investment process.
As tax filing deadlines approach, you can prepare for this year’s taxes and next year’s planning with the updated 2024 tax tables.
Click Here to Access 2024 Tax TablesAs tax filing deadlines approach, you can prepare for this year’s taxes and next year’s planning with the updated 2024 tax tables.
Location
214 Senate Ave
7th Fl
Camp Hill, PA 17011
US
Direct:
(717) 730-1804(717) 730-1804
Toll-Free:
(800) 237-1700(800) 237-1700
Meet The Blue Mountain Group
Douglas Berlin
Vice President, Financial Advisor
Phone:
(717) 255-6683(717) 255-6683
Jason Brown, CFA
Financial Advisor
Phone:
(717) 730-1884(717) 730-1884
Lauren L Reed
Senior Client Service Associate
Phone:
(717) 255-6649(717) 255-6649
About Steven J Ginter
Steve joined the firm over 15 years ago and was a client of the Blue Mountain Group prior to joining the team. Steve has earned the designation of Financial Planning Specialist with the firm and coordinates the Planning Services of the team. He assists clients with their long-term care insurance needs, and has considerable experience with private equity, private credit and private real estate investments for high-net-worth clients. Steve’s community service includes his active membership in the Hershey Rotary Club. He holds a BS in Business Economics from the State University of New York at Oneonta and an MBA from Purdue University. He lives in Derry Township / Hummelstown, PA with his wife of over 40 years, JoAnn. They have two daughters, Carly and Stephanie, and two granddaughters.
Securities Agent: MD, MA, NM, NC, VA, NJ, NE, IL, IA, CO, MI, PA, OH, KS, CT, AL, VT, OR, NV, MN, FL, AZ, IN, TX, NY, CA, WA, DE, GA, DC, SC, NH; General Securities Representative; Investment Advisor Representative
NMLS#: 1279222
NMLS#: 1279222
About Douglas Berlin
Doug has over 25 years of experience as a financial advisor, and served as branch manager for 10 years, all with Morgan Stanley. His focus is on capital markets with emphasis on fixed income opportunities and protective option strategies. He holds a BS in Physics from Haverford College, as well as MS degrees in Mechanical Engineering and Physics from Penn State and Georgia Tech respectively. Doug lives in Elizabethtown, PA with his wife Julie and their six dogs.
Securities Agent: FL, AL, WI, VT, IL, CO, OR, KS, DE, CA, SC, NC, MD, VA, OH, NM, MS, IA, HI, NJ, GA, DC, PA, NV, CT, NE, IN, MI, WV, WA, RI, MO, NY, AZ, MA, TX, NH, MN; BM/Supervisor; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 1403992
NMLS#: 1403992
About Me
Jason joined The Blue Mountain Group at Morgan Stanley with 10 years of experience in the financial services industry as a banker and financial advisor. He holds the Chartered Financial Analyst® (CFA) designation, a distinction held by less than 5% of all financial advisors in the U.S and recognized globally as the gold standard for investment professionals. He is a graduate of Mansfield University with a BA in Economics. Jason and his wife Ann reside in Mechanicsburg, PA and have two young children, Jacob and Hannah.
Securities Agent: IA, AL, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IL, IN, KS, MA, MD, ME, MI, MN, NC, NE, NH, NJ, NM, NV, NY, OH, OR, PA, SC, TN, TX, VA, VT, WA; General Securities Representative; Investment Advisor Representative
NMLS#: 1125633
NMLS#: 1125633
About Lauren L Reed
Lauren has 30 years of experience in the financial services industry, including 18 years with Morgan Stanley as a Senior Client Service Associate. Her experience and familiarity with Morgan Stanley systems make her an invaluable asset to the team. Lauren’s experience and responsiveness make her the go-to person to address many client account service needs. Outside of the office Lauren enjoys spending time with her two daughters and five grandchildren.
Contact Steven J Ginter
Contact Douglas Berlin
Contact Jason Brown
Wealth Management
From Our Team
Do You Know Where All Your Retirement Savings Are?
Wealth Management
Global Investment Office
Portfolio Insights
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
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
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
Are You Prepared for Tax Day?
Article Image
Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Financial Planning for Life After Selling a Business
Article Image
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
Donor Advised Funds: A Smart Way to Manage Your Giving
Article Image
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 Blue Mountain Group today.
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
2Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
3Investors should consider many factors before deciding which 529 plan is appropriate. Some of these factors include: the Plan’s investment options and the historical investment performance of these options, the Plan’s flexibility and features, the reputation and expertise of the Plan’s investment manager, Plan contribution limits and the federal and state tax benefits associated with an investment in the Plan. Some states, for example, offer favorable tax treatment and other benefits to their residents only if they invest in the state’s own Qualified Tuition Program. Investors should determine their home state’s tax treatment of 529 plans when considering whether to choose an in-state or out-of-state plan. Investors should consult with their tax or legal advisor before investing in any 529 Plan or contact their state tax division for more information. Morgan Stanley Smith Barney LLC does not provide tax and/or legal advice. Investors should review a Program Disclosure Statement, which contains more information on investment options, risk factors, fees and expenses and possible tax consequences.
4Morgan 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.
5Morgan 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.
6Municipal bonds may not be appropriate for all investors. Income generated from an investment in a municipal bond is generally exempt from federal income taxes. Some income may be subject to state and local taxes and to the federal alternative minimum tax. Capital gains, if any, are subject to tax.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) and its Financial Advisors and Private Wealth Advisors do not provide any tax/legal advice. Consult your own tax/legal advisor before making any tax or legal-related investment decisions.
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
2Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
3Investors should consider many factors before deciding which 529 plan is appropriate. Some of these factors include: the Plan’s investment options and the historical investment performance of these options, the Plan’s flexibility and features, the reputation and expertise of the Plan’s investment manager, Plan contribution limits and the federal and state tax benefits associated with an investment in the Plan. Some states, for example, offer favorable tax treatment and other benefits to their residents only if they invest in the state’s own Qualified Tuition Program. Investors should determine their home state’s tax treatment of 529 plans when considering whether to choose an in-state or out-of-state plan. Investors should consult with their tax or legal advisor before investing in any 529 Plan or contact their state tax division for more information. Morgan Stanley Smith Barney LLC does not provide tax and/or legal advice. Investors should review a Program Disclosure Statement, which contains more information on investment options, risk factors, fees and expenses and possible tax consequences.
4Morgan 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.
5Morgan 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.
6Municipal bonds may not be appropriate for all investors. Income generated from an investment in a municipal bond is generally exempt from federal income taxes. Some income may be subject to state and local taxes and to the federal alternative minimum tax. Capital gains, if any, are subject to tax.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) and its Financial Advisors and Private Wealth Advisors do not provide any tax/legal advice. Consult your own tax/legal advisor before making any tax or legal-related investment decisions.
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)
