Stephen Howlett
Executive Director, Wealth Management, Financial Advisor
Phone:
(617) 478-6428(617) 478-6428
The Boston Group at Morgan Stanley
Direct:
(617) 478-6440(617) 478-6440
Our Mission Statement
Modern Wealth Management; Striving to Create Better Outcomes
The Boston Group's Story & Services
The Boston Group at Morgan Stanley offers an unusual and distinctive lineup of services, serving several different kinds of clients.
Individuals and Families
Our team spans five decades and three generations of providing insights and comprehensive financial services to successful people and families.
We are highly credentialed, knowledgeable and experienced, offering thoughtful planning and goals-based solutions for every financial decision.
When appropriate, we use our connections within Morgan Stanley to leverage the intellectual capital of one of the most respected financial firms in the world.
Working with Professionals
When working with individual clients, we often team with outside CPAs, Agents and Estate Attorneys. Some of these professionals serve as Trusteed, and are called upon to manage investments which they lack the time or training to handle. Thus, we now work with Trustees to provide investment management for their clients.
Working with Businesses
Many of our clients run businesses: start-ups, growing independent firms, even large publicly-held companies. They often turn to us for help with business services like stock plan services and executive compensation. Similarly, clients looking to monetize their business inquire about investment banking – a natural fit, given Morgan Stanley’s global reputation in this area.
As a result, we now provide a wide array of business services.
However, no matter who we serve, one thing never changes – we provide our clients with the solutions, service and unwavering commitment needed to accomplish their goals.
Individuals and Families
Our team spans five decades and three generations of providing insights and comprehensive financial services to successful people and families.
We are highly credentialed, knowledgeable and experienced, offering thoughtful planning and goals-based solutions for every financial decision.
When appropriate, we use our connections within Morgan Stanley to leverage the intellectual capital of one of the most respected financial firms in the world.
Working with Professionals
When working with individual clients, we often team with outside CPAs, Agents and Estate Attorneys. Some of these professionals serve as Trusteed, and are called upon to manage investments which they lack the time or training to handle. Thus, we now work with Trustees to provide investment management for their clients.
Working with Businesses
Many of our clients run businesses: start-ups, growing independent firms, even large publicly-held companies. They often turn to us for help with business services like stock plan services and executive compensation. Similarly, clients looking to monetize their business inquire about investment banking – a natural fit, given Morgan Stanley’s global reputation in this area.
As a result, we now provide a wide array of business services.
However, no matter who we serve, one thing never changes – we provide our clients with the solutions, service and unwavering commitment needed to accomplish their goals.
Services Include
- Trust AccountsFootnote1
- Wealth ManagementFootnote2
- 401(k) Rollovers
- Asset Management
- Business Succession PlanningFootnote3
- Estate Planning StrategiesFootnote4
- Executive Financial ServicesFootnote5
- Financial PlanningFootnote6
- Planning for Education FundingFootnote7
- Professional Portfolio ManagementFootnote8
- Sustainable InvestingFootnote9
- LGBT+ Planning ServicesFootnote10
- Endowments and FoundationsFootnote11
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Process
Our process is focused on “outcome planning”; clients are increasingly looking for long term results rather than a stock pick. In order to create a sound financial strategy together, we explore your financial past and help you to refine and define your goals. Together we align your investment requirements; clarify your employee benefits plans, insurance policies, and social security estimates. We also align all of the strategies that impact your present and future.
Making money is hard, preserving it can be harder
Achieving financial success isn’t easy but should be purposeful. As you age, the complexities of wealth increase. The details involving insurance, estate planning, retirement, tax mitigation, and transitioning wealth to heirs are important. These situations require professional insight and care. We are qualified to help you take advantage of the right opportunities to create and maintain financial independence.
Constant contact
In life, there is no constant. Markets change. Family issues arise. The political and regulatory landscapes shift. What you can count on is communication with us—Always. We communicate in person, on the phone, and by email. Our goal is to keep you informed continually, so together we can adjust and progress toward your goals.
Stay the course
We’ve seen a lot of market fluctuations in our time, subsequently we know many people invest with emotions and the scare factor in national media is in full effect. We use our experience to help you weather volatility without panic. We remain focused on your strategic plan and help you to do the same. Our fortitude has served us well through the years. And will go far in helping you stay on track too.
Next steps
If you appreciate a disciplined approach to investing and financial planning, and are looking for a collaborative working style, we would be happy to set up an introductory meeting. Contact us at 617-478-6428.
6 common financial concerns about living in retirementLet Us Help You Plan Your Estate
The Boston Group at Morgan Stanley has our own in-house experts who work with our clients and their outside counsel in a collaborative way. This partnership allows us to leverage all of our institutional knowledge from working with countless families to see what may work best for you and your family. Just as important, we have decades of experience on what we should be on the lookout to avoid.
Generally, a number of tools allow the individual, rather than the state, to control their person and property when they are not able to do so due to death or incapacity. Personal factors include life events, personal preferences and wealth levels. Our goal is to work with estate planning experts to create the best outcome for you and your family.
Message us to receive a copy of our fact card titled, “What do beneficiaries ask their trustees about investments?”
Generally, a number of tools allow the individual, rather than the state, to control their person and property when they are not able to do so due to death or incapacity. Personal factors include life events, personal preferences and wealth levels. Our goal is to work with estate planning experts to create the best outcome for you and your family.
Message us to receive a copy of our fact card titled, “What do beneficiaries ask their trustees about investments?”
Helping Trustees Manage Investments
Being selected as a trustee is an acknowledgement of your integrity and commitment to your client and his or her family.
However, most trustees are not investment professionals. And when a trust is transferred to a subsequent generation, you may face tough questions. These questions commonly include:
“Is your strategy growth or income?”
Understanding the needs of the trust dictates the most appropriate investment approach. We help you determine and articulate your strategy.
“Are you sure we own the right stocks?”
Once the goal has been determined and a strategy defined, choosing the correct assets becomes a more logical, calculated process.
“Can’t the portfolio reflect my values?”
We can leverage a variety of options for values-based investing, often called “Investing with Impact,” which is an increasingly important consideration for many Trusts.
“Who is managing these investments?”
When you work with the Boston Group, you are backed by the global resources of one of the leading financial firms in the world.
“How much longer will the trust last?”
We can construct simulations and what-if scenarios that will help your clients understand the trajectory of the Trust.
“How are you managing risk?”
Every investment involves risk and markets are inherently volatile. We can construct and manage a portfolio with a defined risk curve.
“Can I get more useful reports?”
We offer a variety of options for reporting on performance that are professional, thorough and understandable for clients with any level of knowledge or experience.
The Boston Group at Morgan Stanley has worked with Trustees to provide the services they need and that their clients demand. Our strategic insight, tactical savvy and professional service can help ensure that your clients are comfortable that the Trust’s assets are being properly managed.
However, most trustees are not investment professionals. And when a trust is transferred to a subsequent generation, you may face tough questions. These questions commonly include:
“Is your strategy growth or income?”
Understanding the needs of the trust dictates the most appropriate investment approach. We help you determine and articulate your strategy.
“Are you sure we own the right stocks?”
Once the goal has been determined and a strategy defined, choosing the correct assets becomes a more logical, calculated process.
“Can’t the portfolio reflect my values?”
We can leverage a variety of options for values-based investing, often called “Investing with Impact,” which is an increasingly important consideration for many Trusts.
“Who is managing these investments?”
When you work with the Boston Group, you are backed by the global resources of one of the leading financial firms in the world.
“How much longer will the trust last?”
We can construct simulations and what-if scenarios that will help your clients understand the trajectory of the Trust.
“How are you managing risk?”
Every investment involves risk and markets are inherently volatile. We can construct and manage a portfolio with a defined risk curve.
“Can I get more useful reports?”
We offer a variety of options for reporting on performance that are professional, thorough and understandable for clients with any level of knowledge or experience.
The Boston Group at Morgan Stanley has worked with Trustees to provide the services they need and that their clients demand. Our strategic insight, tactical savvy and professional service can help ensure that your clients are comfortable that the Trust’s assets are being properly managed.
Location
28 State Street 26th
Fl
Boston, MA 02109
US
Direct:
(617) 478-6440(617) 478-6440
Meet The Boston Group
Danene Cronin, CIMA®
Senior Vice President, Wealth Management, Financial Advisor
Phone:
(617) 589-3328(617) 589-3328
Brent M Crouch
Senior Vice President, Wealth Management, Financial Advisor
Phone:
(617) 478-6440(617) 478-6440
Phone:
(617) 478-6577(617) 478-6577
Raven Brockriede
Wealth Management Associate
Phone:
(617) 478-6412(617) 478-6412
John Armstrong
Registered Client Service Associate
Phone:
(617) 589-3356(617) 589-3356
Valerie Borges
Registered Client Service Associate
Phone:
(617) 478-6425(617) 478-6425
About Stephen Howlett
Steve Howlett
Senior Vice President
Financial Advisor
Steve Howlett is a Senior Vice President and Financial Advisor with Morgan Stanley. With over 40 years of experience in the financial services industry, Steve has handled investments for some of most successful business owners and families in the New England area.
A graduate of Colgate University, Steve was commissioned as an officer in the United States Navy after college and served a tour of duty in Vietnam. Upon his return home, he entered the financial services industry with Dominick and Dominick, and in 1972 joined Morgan Stanley as a Financial Advisor.
Steve and his team offer sophisticated wealth management strategies for high net worth individuals and families, asset managers, family offices, and endowments. Using the skills and wisdom derived from decades in the industry, Steve and his team perform the research, analysis, investment selection, plan implementation, and ongoing review of each client’s financial plan.
Steve believes in close client relationships. He welcomes the opportunity to share the analysis and insights derived from four decades in the industry. This depth and breadth of knowledge is helpful to those who want a deeper understanding of their investments. Well-versed in the facets of both bear and bull markets, Steven helps clients weather economic volatility by remaining calm, focused, and disciplined in his investment strategies.
A valued advisor within Morgan Stanley, Steve is a charter member of the firm’s Chairman’s Club, which recognizes the company’s top 175 Financial Advisors for their creativity and excellence in providing wealth management services to their clients.
Outside of work, Steve devotes time to the community and is a trustee of the High Street Cemetery in Hingham, MA. He and his wife enjoy boating and spending time with his children and grandchildren on Cape Cod.
One of Forbes Best-In-State Wealth Advisors
Senior Vice President
Financial Advisor
Steve Howlett is a Senior Vice President and Financial Advisor with Morgan Stanley. With over 40 years of experience in the financial services industry, Steve has handled investments for some of most successful business owners and families in the New England area.
A graduate of Colgate University, Steve was commissioned as an officer in the United States Navy after college and served a tour of duty in Vietnam. Upon his return home, he entered the financial services industry with Dominick and Dominick, and in 1972 joined Morgan Stanley as a Financial Advisor.
Steve and his team offer sophisticated wealth management strategies for high net worth individuals and families, asset managers, family offices, and endowments. Using the skills and wisdom derived from decades in the industry, Steve and his team perform the research, analysis, investment selection, plan implementation, and ongoing review of each client’s financial plan.
Steve believes in close client relationships. He welcomes the opportunity to share the analysis and insights derived from four decades in the industry. This depth and breadth of knowledge is helpful to those who want a deeper understanding of their investments. Well-versed in the facets of both bear and bull markets, Steven helps clients weather economic volatility by remaining calm, focused, and disciplined in his investment strategies.
A valued advisor within Morgan Stanley, Steve is a charter member of the firm’s Chairman’s Club, which recognizes the company’s top 175 Financial Advisors for their creativity and excellence in providing wealth management services to their clients.
Outside of work, Steve devotes time to the community and is a trustee of the High Street Cemetery in Hingham, MA. He and his wife enjoy boating and spending time with his children and grandchildren on Cape Cod.
One of Forbes Best-In-State Wealth Advisors
Securities Agent: DE, KS, WY, RI, NC, MA, SC, CT, TX, NY, MD, IL, FL, DC, CO, VT, PA, KY, UT, NV, NJ, ID, GA, WA, VI, VA, MN, LA, OR, ME, IN, CA, OH, NH, HI, AZ, OK, MI; General Securities Representative; Investment Advisor Representative
About Danene Cronin
Danene Cronin, Senior Vice President and Financial Advisor, joined Morgan Stanley in 2005.
Drawing on 20 years of experience, Danene focuses on the top concerns of entrepreneurs, executives and successful families including investment management, tax efficient investing and risk management. Armed with the prestigious designation of a Certified Investment Management Analyst (CIMA), the peak of international technical portfolio construction programs for financial advisors and wealth management professionals, Danene enjoys getting to know her clients deeply and using the information she discovers to provide customized strategies for a comprehensive range of financial needs. During her career at Morgan Stanley, Danene has guided clients through several volatile market cycles with a steady hand and thoughtful advice.
Danene is often commenting on capital market activity and has recently been quoted in major publications such as Barron’s, US News, Fortune, and Authority Magazine discussing a variety of topics. She has been a Pacesetter recipient since 2021. She is also a member of the Villanova Finance Department Advisory Council.
As a mother of two, Danene has always been an advocate for boosting financial literacy, especially within the classroom, even guest speaking at universities and hosting her own seminars. She believes in the value of ongoing education around making smart decisions with your money and has strived throughout her career to educate others. A proud Villanova graduate, Danene stays actively involved in the alumni community. She enjoys spending time with her family, including her incredibly active 14- and 12-year-old children in their involvement in sports, school and summer fun on Cape Cod!
Drawing on 20 years of experience, Danene focuses on the top concerns of entrepreneurs, executives and successful families including investment management, tax efficient investing and risk management. Armed with the prestigious designation of a Certified Investment Management Analyst (CIMA), the peak of international technical portfolio construction programs for financial advisors and wealth management professionals, Danene enjoys getting to know her clients deeply and using the information she discovers to provide customized strategies for a comprehensive range of financial needs. During her career at Morgan Stanley, Danene has guided clients through several volatile market cycles with a steady hand and thoughtful advice.
Danene is often commenting on capital market activity and has recently been quoted in major publications such as Barron’s, US News, Fortune, and Authority Magazine discussing a variety of topics. She has been a Pacesetter recipient since 2021. She is also a member of the Villanova Finance Department Advisory Council.
As a mother of two, Danene has always been an advocate for boosting financial literacy, especially within the classroom, even guest speaking at universities and hosting her own seminars. She believes in the value of ongoing education around making smart decisions with your money and has strived throughout her career to educate others. A proud Villanova graduate, Danene stays actively involved in the alumni community. She enjoys spending time with her family, including her incredibly active 14- and 12-year-old children in their involvement in sports, school and summer fun on Cape Cod!
Securities Agent: WI, AK, WA, RI, IN, IL, WV, NH, MA, FL, OK, NC, KS, CO, VI, SD, SC, PA, NM, DC, UT, ME, TX, KY, HI, DE, WY, VA, NV, CA, AZ, NJ, MN, MD, GA, AR, LA, OR, OH, MO, MI, VT, NY, ID, CT; General Securities Representative; Investment Advisor Representative
About Brent M Crouch
Brent M. Crouch is an Executive Financial Services Director, First Vice President, and Financial Advisor at Morgan Stanley. With over a decade of experience in the financial services industry, Brent provides high net worth clients with comprehensive wealth management strategies which include financial planning, tax mitigation, estate planning, insurance and philanthropic guidance.
As a former Search and Rescue Swimmer and Operations Specialist in the US Navy, Brent values hard work, collaboration, and the meaning of honor. After serving four years at the naval base in Japan, Brent attended the University of Massachusetts Boston, where he earned his degree in Political Science.
Entering financial services as a banker with Citizens Bank, Brent assisted his clients with a wide spectrum of needs, including planning, lending, and resource management. Following his time at Citizens, Brent became a Financial Advisor at Smith Barney (later acquired by Morgan Stanley). Then in 2011, in addition to his role as an Advisor, he accepted a position as a Morgan Stanley Manager. This allowed him to leverage the firm’s global resources in service to the families, business owners, and corporate executives he served.
Brent’s main focus is on financial planning. Knowing his clients’ history and motivating factors helps Brent understand what their hopes and dreams are for themselves, their businesses, and their families. Forming close relationships with his clients, Brent takes the time to listen and appreciate each client’s unique story. He then conducts a wide-ranging analysis of their current situation. Brent utilizes his wide network of accomplished professionals, including attorneys, CPA's, and bankers to help him incorporate all of his clients’ goals into a comprehensive financial strategy.
In his free time, Brent supports causes that aid veterans and wounded warriors. An avid runner and triathlete, he lives in Grafton, MA with his wife, three children, and his Wheaton Terrier.
The Boston Group Brochure
As a former Search and Rescue Swimmer and Operations Specialist in the US Navy, Brent values hard work, collaboration, and the meaning of honor. After serving four years at the naval base in Japan, Brent attended the University of Massachusetts Boston, where he earned his degree in Political Science.
Entering financial services as a banker with Citizens Bank, Brent assisted his clients with a wide spectrum of needs, including planning, lending, and resource management. Following his time at Citizens, Brent became a Financial Advisor at Smith Barney (later acquired by Morgan Stanley). Then in 2011, in addition to his role as an Advisor, he accepted a position as a Morgan Stanley Manager. This allowed him to leverage the firm’s global resources in service to the families, business owners, and corporate executives he served.
Brent’s main focus is on financial planning. Knowing his clients’ history and motivating factors helps Brent understand what their hopes and dreams are for themselves, their businesses, and their families. Forming close relationships with his clients, Brent takes the time to listen and appreciate each client’s unique story. He then conducts a wide-ranging analysis of their current situation. Brent utilizes his wide network of accomplished professionals, including attorneys, CPA's, and bankers to help him incorporate all of his clients’ goals into a comprehensive financial strategy.
In his free time, Brent supports causes that aid veterans and wounded warriors. An avid runner and triathlete, he lives in Grafton, MA with his wife, three children, and his Wheaton Terrier.
The Boston Group Brochure
Securities Agent: NH, MA, VI, MD, NV, OH, IL, DC, ID, CO, CT, KY, GA, RI, AZ, OR, OK, SC, WY, DE, FL, MO, MN, VA, ME, UT, KS, PA, NC, VT, TX, NY, IN, HI, WA, CA, LA, MI, NJ; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1569135
NMLS#: 1569135
About Jed H. Gilfoy
A Sherborn, Massachusetts native, Mr. Gilfoy graduated from Union College with a degree in managerial economics. Following graduation he joined the family business, a regional wholesale distributor. He worked his way up from driving forklifts in the warehouse to outside sales and eventually to president of the organization. After ten years at the helm, Jed successfully sold the company to a friendly competitor and is now pursuing his passion for helping business owners and executives at Morgan Stanley as a financial advisor. Evaluating the products and services through the eyes of a business owner, Jed is able to leverage the vast resources of Morgan Stanley for his clients and provide a unique perspective to help achieve their financial goals.
Outside of the office, Jed lives with his wife and daughter in Hingham, Massachusetts and enjoys spending time outdoors, playing racquet sports and ice hockey.
Outside of the office, Jed lives with his wife and daughter in Hingham, Massachusetts and enjoys spending time outdoors, playing racquet sports and ice hockey.
Securities Agent: NY, NV, VI, NH, CT, CA, GA, MN, AZ, ID, VA, CO, KS, MD, RI, TX, VT, DE, LA, MA, MI, OH, WA, OK, UT, SC, ME, DC, WY, NJ, IN, HI, FL, IL, KY, NC, PA, OR; General Securities Representative; Investment Advisor Representative
NMLS#: 1776062
NMLS#: 1776062
About Raven Brockriede
Raven graduated from Drew University and began her career in Financial Services at Merrill Lynch in 2013. She joined The Boston Group at Morgan Stanley in July of 2017. She is dedicated to top-tier client service and has experience working with high-net-worth individuals and their families, trustee offices, and small to mid-size businesses. Raven was awarded the Morgan Stanley Field Service Champion of 2022. She enjoys boxing, the arts, live music, and going to Bruins games. Having grown up in New Jersey, she now resides in the North End with her husband and her Boston Terrier, Watson. Raven is Series 7 & 66 Licensed.
About John Armstrong
John Armstrong is a Registered Associate with The Boston Group, and joined the firm in 2021 with The Armstrong Group. Prior to coming on board, John began his career in wealth management as a Business Development Associate at J.P. Morgan Securities in 2018.
As the one of the team's Registered Associates, John maintains and builds upon existing client relationships. He also supports the team with trading, financial planning, business development, and asset aggregation.
John earned his B.S in Finance at Quinnipiac University in Connecticut and holds his Series 7, 63, & 65 license. He lives in Boston, MA. Outside of the office, John enjoys traveling, golfing, skiing, and spending time with friends and family on the South Shore of Massachusetts.
As the one of the team's Registered Associates, John maintains and builds upon existing client relationships. He also supports the team with trading, financial planning, business development, and asset aggregation.
John earned his B.S in Finance at Quinnipiac University in Connecticut and holds his Series 7, 63, & 65 license. He lives in Boston, MA. Outside of the office, John enjoys traveling, golfing, skiing, and spending time with friends and family on the South Shore of Massachusetts.
About Valerie Borges
Valerie Borges joined Morgan Stanley in 2024 as a Registered Associate with The Boston Group. Prior to joining the team, she started her career as a Financial Solutions Advisor with Bank of America Merrill Lynch in 2023. Valerie graduated from Elon University in North Carolina with a Bachelor of Science in Business Administration with a concentration in Finance, along with minors in Data Science and Accounting. Valerie is dedicated to providing a first-class client experience and currently holds her Series 7 and 66 licenses. She grew up in Rutland, MA and currently resides in Brighton, MA. Outside of work, Valerie enjoys spending time at the beach, reading, working out, and cheering on Boston sports teams.
Contact Stephen Howlett
Contact Danene Cronin
Contact Brent M Crouch
Contact Jed H. Gilfoy
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
Jessica Birkins
Private Banker
About Jessica Birkins
Jessica Birkins is a Private Banker serving Morgan Stanley Wealth Management offices in Massachusetts.
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.
Jessica began her career in financial services in 2010, and joined Morgan Stanley in 2017 as a Associate Private Banker. Prior to joining the firm, she was a Team Leader and Internal Wholesaler at Eaton Vance.
Jessica is a graduate of the Connecticut College, where she received a Bachelor of Arts in Economics. She lives in Scituate, Massachusetts with her family. Outside of the office, Jessica enjoys spending time with her family, running, and reading.
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.
Jessica began her career in financial services in 2010, and joined Morgan Stanley in 2017 as a Associate Private Banker. Prior to joining the firm, she was a Team Leader and Internal Wholesaler at Eaton Vance.
Jessica is a graduate of the Connecticut College, where she received a Bachelor of Arts in Economics. She lives in Scituate, Massachusetts with her family. Outside of the office, Jessica enjoys spending time with her family, running, and reading.
NMLS#: 1699963
Wealth Management
From Our Team
A Simple Six-Step Retirement Checkup
Wealth Management
Global Investment Office
Portfolio Insights
This is a video content
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
Overcoming Your 5 Biggest Retirement Challenges
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Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
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
Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Financial Planning for Life After Selling a Business
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Philanthropy
Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
- Foundations
- Donor Advised Funds
- Impact Investing
Donor Advised Funds: A Smart Way to Manage Your Giving
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Insights and Outcomes
Thought Leadership for our ultra high net worth clients, which contains thought-provoking articles, authored by leading experts from Morgan Stanley Family Office Resources.
Episode 3: How to choose a Financial Advisor Part 1
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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 Boston 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 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.
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 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.
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 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.
6Morgan 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.
7When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
8Morgan 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.
9The 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.
10Morgan 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.
11Morgan 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.
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 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.
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 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.
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 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.
6Morgan 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.
7When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
8Morgan 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.
9The 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.
10Morgan 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.
11Morgan 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.
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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)
