Nicholas S Grubb, CPWA®
Executive Director, Wealth Management, Financial Advisor, Family Wealth Director, Alternative Investments Director
Phone:
(301) 657-6335(301) 657-6335
The Bethesda Heritage Group at Morgan Stanley
Nicholas S Grubb, CPWA®J BrittLouis B LachterKevin Ebel, CFP®Anthony R Crisalli, CFP®Ramona HaiasDominic P. LoPiccoloPatrick Langevin
Direct:
(301) 657-6335(301) 657-6335
Toll-Free:
(866) 455-6622(866) 455-6622
Our Mission Statement
We serve as your personal financial stewards, delivering personalized service, trustworthy advice and quality investment management.
About Us
At The Bethesda Heritage Group, we are a team of seasoned advisors, whose diverse backgrounds, experience and skills reflect the unique financial circumstances of our clientele. We focus on what is most important to you and provide the sophisticated strategies and world-class resources needed to help you to make informed, confident decisions about your life, your family and your finances.
Working together, we develop a tailored strategy that lays out a clear path to your goals. Our disciplined process explores a broad range of topics that are likely to influence your future – from your family’s financial situation to career aspirations, from educational expenses to the retirement you envision. What we discover through this process becomes the foundation of a strategy that is based on who you are and where you want to go. Over time, we fine-tune your strategy to reflect new priorities in your life or changes in the marketplace.
As your team of advisors, we are committed to helping you navigate the distractions of challenging markets, executing and enhancing your strategy over time. Our approach emphasizes concierge service and close communication, so we always know what’s happening in your life, and you always know what’s happening with your wealth.
Working together, we develop a tailored strategy that lays out a clear path to your goals. Our disciplined process explores a broad range of topics that are likely to influence your future – from your family’s financial situation to career aspirations, from educational expenses to the retirement you envision. What we discover through this process becomes the foundation of a strategy that is based on who you are and where you want to go. Over time, we fine-tune your strategy to reflect new priorities in your life or changes in the marketplace.
As your team of advisors, we are committed to helping you navigate the distractions of challenging markets, executing and enhancing your strategy over time. Our approach emphasizes concierge service and close communication, so we always know what’s happening in your life, and you always know what’s happening with your wealth.
Services Include
- Executive Financial ServicesFootnote1
- Financial PlanningFootnote2
- Lending Products
- Life InsuranceFootnote3
- Municipal BondsFootnote4
- Wealth ManagementFootnote5
- 529 PlansFootnote6
- Alternative InvestmentsFootnote7
- Business Succession PlanningFootnote8
- Cash ManagementFootnote9
- Divorce Financial AnalysisFootnote10
- Endowments and FoundationsFootnote11
- Estate Planning StrategiesFootnote12
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Our Clients
We are privileged to work with a small, yet select group of clients, who value our depth of knowledge and experience in providing comprehensive wealth management solutions that are tailored to achieve their most important life goals.
Over the past 25 years, we have developed a strong and active practice that includes a diverse group of clients, including:
- Multi-generational private wealth families
- Corporate executives
- Attorneys and medical professionals
- Business owners and entrepreneurs
- Real estate agents and developers
While each client has a unique personal and professional situation, collectively they all have one thing in common: they are focused on achieving very specific financial goals, so they may secure their family’s financial future and pursue their personal ambitions.
Over the past 25 years, we have developed a strong and active practice that includes a diverse group of clients, including:
- Multi-generational private wealth families
- Corporate executives
- Attorneys and medical professionals
- Business owners and entrepreneurs
- Real estate agents and developers
While each client has a unique personal and professional situation, collectively they all have one thing in common: they are focused on achieving very specific financial goals, so they may secure their family’s financial future and pursue their personal ambitions.
Our clients hire us to help them manage their current wealth, while achieving future goals. They need our professional guidance to help them get there. Over the years, we have implemented a five-step process that identifies and implements appropriate solutions seeking to enable them to accomplish and maintain financial success.
Through each step of our disciplined process, we provide objective advice and investment insights to construct a wealth management plan that is uniquely yours.
Through each step of our disciplined process, we provide objective advice and investment insights to construct a wealth management plan that is uniquely yours.
Step 1: Discover
Listen carefully to understand what is important to you, your family and your legacy
Learn about the values that shape your decisions
Identify any challenges and circumstances unique to your personal situation
Learn about the values that shape your decisions
Identify any challenges and circumstances unique to your personal situation
Step 2: Analyze & Assess
Review your current and future financial situation to determine the likelihood of reaching your goals
Address any potential shortfalls or the impact of unexpected life events
Reach out to your CPA and estate attorney to ensure strategies are cohesive and fully integrated
Address any potential shortfalls or the impact of unexpected life events
Reach out to your CPA and estate attorney to ensure strategies are cohesive and fully integrated
Step 3: Develop Plan
Create a custom wealth management plan
Formally present your custom plan
Openly discuss any costs involved
Formally present your custom plan
Openly discuss any costs involved
Step 4: Implement
Upon approval, complete paperwork to execute investment strategy
Prioritize activities and establish timelines
Initiate wealth management solutions, using both asset and liability management (mortgage/lending) solutions, as appropriate
Residential mortgage loans/home equity lines of credit are offered by Morgan Stanley Private Bank, National Association, an affiliate of Morgan Stanley Smith Barney LLC. With the exception of the pledged-asset feature, an investment relationship with Morgan Stanley Smith Barney LLC does not have to be established or maintained to obtain the residential mortgage products offered by Morgan Stanley Private Bank, National Association. All residential mortgage loans/home equity lines of credit are subject to the underwriting standards and independent approval of Morgan Stanley Private Bank, National Association. Rates, terms, and programs are subject to change without notice. Residential mortgage loans/home equity lines of credit may not be available in all states; not available in Guam, Puerto Rico and the U.S. Virgin Islands. Other restrictions may apply. The information contained herein should not be construed as a commitment to lend. Morgan Stanley Private Bank, National Association is an Equal Housing Lender and Member FDIC that is primarily regulated by the Office of the Comptroller of the Currency. Nationwide Mortgage Licensing System Unique Identifier #663185. The proceeds from a residential mortgage loan (including draws and advances from a home equity line of credit) are not permitted to be used to purchase, trade or carry eligible margin stock; repay margin debt that was used to purchase, trade or carry margin stock; or to make payments on any amounts owed under the note, loan agreement, or loan security agreement; and cannot be deposited into a Morgan Stanley Smith Barney LLC or other brokerage account.
Prioritize activities and establish timelines
Initiate wealth management solutions, using both asset and liability management (mortgage/lending) solutions, as appropriate
Residential mortgage loans/home equity lines of credit are offered by Morgan Stanley Private Bank, National Association, an affiliate of Morgan Stanley Smith Barney LLC. With the exception of the pledged-asset feature, an investment relationship with Morgan Stanley Smith Barney LLC does not have to be established or maintained to obtain the residential mortgage products offered by Morgan Stanley Private Bank, National Association. All residential mortgage loans/home equity lines of credit are subject to the underwriting standards and independent approval of Morgan Stanley Private Bank, National Association. Rates, terms, and programs are subject to change without notice. Residential mortgage loans/home equity lines of credit may not be available in all states; not available in Guam, Puerto Rico and the U.S. Virgin Islands. Other restrictions may apply. The information contained herein should not be construed as a commitment to lend. Morgan Stanley Private Bank, National Association is an Equal Housing Lender and Member FDIC that is primarily regulated by the Office of the Comptroller of the Currency. Nationwide Mortgage Licensing System Unique Identifier #663185. The proceeds from a residential mortgage loan (including draws and advances from a home equity line of credit) are not permitted to be used to purchase, trade or carry eligible margin stock; repay margin debt that was used to purchase, trade or carry margin stock; or to make payments on any amounts owed under the note, loan agreement, or loan security agreement; and cannot be deposited into a Morgan Stanley Smith Barney LLC or other brokerage account.
Step 5: Provide Ongoing Service
Schedule ongoing conversations to review and track progress
Apply due diligence process to evaluate performance
Review risk profile and make adjustments to your plan as needed
Apply due diligence process to evaluate performance
Review risk profile and make adjustments to your plan as needed
Our exposure to a diverse range of clients informs our guidance and enables us to bring fresh, strategic ideas and challenge conventional solutions. Using this set of experiences and great depth of knowledge we seek to empower you to make informed, confident decisions about your financial future.
We are committed to the following core beliefs that serve as the foundation of our practice:
We are committed to the following core beliefs that serve as the foundation of our practice:
We believe in integrity.
Every decision we make will be focused on doing the right thing for you. We simplify your financial life, offering the appropriate solutions for your consideration.
We believe in transparency.
We believe it is important for you to always know where you stand. It is our responsibility to keep you informed and on target to achieving your goals.
We believe you are entitled to the best advice possible.
As a result, we often collaborate with colleagues from across the Morgan Stanley network, as well as other professionals within the industry. We work in tandem with your accountant, attorney and other trusted advisors to gain the precise knowledge needed to help you manage all aspects of your wealth.
We believe in building deep and longstanding relationships.
We devote the full talents and resources of our team to serving the needs of fewer than 150 families. We strive to provide a premium level of service tailored to each client’s unique needs.
We believe you come first.
While we value our relationship with Morgan Stanley as a top purveyor of global financial services for 80 years, we value our relationship with you even more. We are committed to developing a relationship that provides special value to you and your family. When you succeed, we all succeed.
Location
7500 Old Georgetown Rd
10th Fl
Bethesda, MD 20814
US
Direct:
(301) 657-6335(301) 657-6335
Toll-Free:
(866) 455-6622(866) 455-6622
Meet The Bethesda Heritage Group
J Britt
Senior Vice President, Wealth Management, Financial Advisor
Phone:
(301) 951-1172(301) 951-1172
Senior Vice President, Financial Advisor, CERTIFIED FINANCIAL PLANNER®, Family Wealth Advisor, Senior Portfolio Manager
Phone:
(301) 657-6361(301) 657-6361
Louis B Lachter
Senior Vice President, Financial Advisor
Phone:
(301) 664-6840(301) 664-6840
Anthony R Crisalli, CFP®
Associate Vice President, Wealth Management, Financial Advisor, CERTIFIED FINANCIAL PLANNER®, Financial Planning Specialist
Phone:
(301) 657-6326(301) 657-6326
Ramona Haias
Wealth Management Associate
Phone:
(301) 657-6372(301) 657-6372
Dominic P. LoPiccolo
Registered Associate
Phone:
(301) 664-6862(301) 664-6862
Patrick Langevin
Registered Associate
Phone:
(301) 657-6399(301) 657-6399
About Nicholas S Grubb
Nick is a Senior Vice President, Portfolio Manager and Financial Advisor at The Bethesda Heritage Group at Morgan Stanley. A vital member of the team since 2009, Nick is responsible for shaping the group’s strategic vision, combining his deep knowledge of the financial markets with operational excellence to guide clients in the achievement of their personal and professional goals.
A graduate of the University of Maryland with a B.A. degree in Economics, Nick joined Morgan Stanley in 2003 as an intern, before becoming an analyst within the firm’s Consulting Group. Over the years, he had the opportunity to work with Clay and Lou, and officially joined their team as a Financial Advisor in 2009.
Passionate about helping people meet their long-term goals, Nick combines his portfolio management experience with his financial planning skills to help clients effectively manage their finances through every important milestone. Most importantly, he enjoys creating long-term relationships with clients to help them simplify their lives, so they may pursue their passions without the fear of outliving their assets.
While his immediate family lives out west, Nick currently lives in Bethesda, Maryland with his wife Brooke and their son Beau and Fox Red Lab Cannon.
A graduate of the University of Maryland with a B.A. degree in Economics, Nick joined Morgan Stanley in 2003 as an intern, before becoming an analyst within the firm’s Consulting Group. Over the years, he had the opportunity to work with Clay and Lou, and officially joined their team as a Financial Advisor in 2009.
Passionate about helping people meet their long-term goals, Nick combines his portfolio management experience with his financial planning skills to help clients effectively manage their finances through every important milestone. Most importantly, he enjoys creating long-term relationships with clients to help them simplify their lives, so they may pursue their passions without the fear of outliving their assets.
While his immediate family lives out west, Nick currently lives in Bethesda, Maryland with his wife Brooke and their son Beau and Fox Red Lab Cannon.
Securities Agent: OR, CO, NJ, MS, MN, NC, MD, DC, MO, AL, RI, NY, NM, NE, WV, VA, NH, MI, ME, KY, CA, NV, GA, FL, AZ, VT, TN, PA, OH, MA, LA, DE, CT, SC, WA, TX, IL; General Securities Representative; Investment Advisor Representative
NMLS#: 1262268
NMLS#: 1262268
About J Britt
Clay is a Senior Vice President, Financial Advisor and founding partner of The Bethesda Heritage Group at Morgan Stanley. A seasoned professional for more than 30 years, Clay focuses on portfolio management and tax efficient strategies for financially successful individuals and families residing in the greater Washington D.C. area and across the country. His comprehensive approach includes a thorough planning process, sophisticated portfolio construction and a commitment to providing outstanding service and advice.
Clay earned his Bachelor’s degree from the University of Texas, where he was a three time NCAA swimming champion and became the American record holder in the 100 yard backstroke in 1981. Following his swimming career, Clay became a Financial Advisor at Wheat First Securities (which later became First Union Securities), where he worked for 12 years before joining Morgan Stanley in 2001.
As an advisor, Clay’s mission is to guide his clients on the growth and preservation of their assets, helping them optimize their investment portfolio, while minimizing risk. He takes pride in his ability to put complex investment strategies into action and effectively communicate these strategies to his clients using simple and direct language.
Originally from Potomac, Maryland, Clay currently resides in Bethesda with his wife, Mary, and daughter, Elizabeth. He remains involved in adult competitive swimming and is a current Masters Swimming world record holder. He also coaches an adult Masters swimming program in TOWN. Beyond swimming and coaching, Clay’s favorite leisure activities include skiing and scuba diving.
Clay earned his Bachelor’s degree from the University of Texas, where he was a three time NCAA swimming champion and became the American record holder in the 100 yard backstroke in 1981. Following his swimming career, Clay became a Financial Advisor at Wheat First Securities (which later became First Union Securities), where he worked for 12 years before joining Morgan Stanley in 2001.
As an advisor, Clay’s mission is to guide his clients on the growth and preservation of their assets, helping them optimize their investment portfolio, while minimizing risk. He takes pride in his ability to put complex investment strategies into action and effectively communicate these strategies to his clients using simple and direct language.
Originally from Potomac, Maryland, Clay currently resides in Bethesda with his wife, Mary, and daughter, Elizabeth. He remains involved in adult competitive swimming and is a current Masters Swimming world record holder. He also coaches an adult Masters swimming program in TOWN. Beyond swimming and coaching, Clay’s favorite leisure activities include skiing and scuba diving.
Securities Agent: NV, CO, NM, NE, ME, DC, CT, VT, TN, KY, NJ, MT, MO, MD, MS, IN, IL, AL, DE, WA, VA, OR, FL, WY, WV, TX, RI, PA, OH, NY, CA, AZ, MA, ID, GA, SC, NH, NC, MN, MI, LA; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1278602
NMLS#: 1278602
About Kevin Ebel
Kevin, CFP® is a Senior Vice President, Financial Advisor, Certified Financial Planner (CFP®), Family Wealth Advisor, and Senior Portfolio Manager with The Bethesda Heritage Group at Morgan Stanley. In these capacities, he provides long-term investment management with a focus on retirement planning for high net worth individuals and their families, business owners, executives, and professionals.
His extensive knowledge and experience helps clients navigate the three basic stages of retirement: planning for retirement, transitioning to retirement, and maintaining a particular lifestyle during retirement. As a CFP®, he provides specialized knowledge to the process, adding counsel on tax planning, estate planning, investment management and insurance. In addition, as a Family Wealth Advisor, Kevin helps families communicate about money and values as they move through the retirement process, assisting them in preserving their wealth and ideals across generations.
Within The Bethesda Heritage team, Kevin helps direct investment management. He is responsible for analyzing client objectives and directing asset allocation, portfolio construction, and performance measurement. He leverages the intellectual capital and resources of Morgan Stanley to recommend strategic and tactical asset allocation policies and to select best of breed managers, ETF’s and alternative investments for the group’s clients.
Kevin graduated from the University of Maryland and went on to earn a Master of Business Administration (MBA) from Babson College in Wellesley, MA. He is also a designee of the Certificate in Financial Planning from Georgetown University. Prior to joining the financial services industry, Kevin spent the better part of 15 years working in senior-level positions with start-ups and small-to-mid size companies including AppNet, CommerceOne, and NetStrategies.
His extensive knowledge and experience helps clients navigate the three basic stages of retirement: planning for retirement, transitioning to retirement, and maintaining a particular lifestyle during retirement. As a CFP®, he provides specialized knowledge to the process, adding counsel on tax planning, estate planning, investment management and insurance. In addition, as a Family Wealth Advisor, Kevin helps families communicate about money and values as they move through the retirement process, assisting them in preserving their wealth and ideals across generations.
Within The Bethesda Heritage team, Kevin helps direct investment management. He is responsible for analyzing client objectives and directing asset allocation, portfolio construction, and performance measurement. He leverages the intellectual capital and resources of Morgan Stanley to recommend strategic and tactical asset allocation policies and to select best of breed managers, ETF’s and alternative investments for the group’s clients.
Kevin graduated from the University of Maryland and went on to earn a Master of Business Administration (MBA) from Babson College in Wellesley, MA. He is also a designee of the Certificate in Financial Planning from Georgetown University. Prior to joining the financial services industry, Kevin spent the better part of 15 years working in senior-level positions with start-ups and small-to-mid size companies including AppNet, CommerceOne, and NetStrategies.
Securities Agent: OH, DE, MO, MI, CT, CO, AZ, NY, NM, OR, NJ, CA, WY, RI, PA, AL, WV, SC, NV, MS, KY, DC, VA, NC, MT, LA, AK, ME, FL, WA, NE, IN, IL, GA, TN, TX, MD, MA, VT, NH, MN; General Securities Representative; Investment Advisor Representative
NMLS#: 1285203
NMLS#: 1285203
About Louis B Lachter
Lou is a Senior Vice President, Financial Advisor and founding partner of The Bethesda Heritage Group at Morgan Stanley. With 26 years of industry experience, he has dedicated his entire career to providing customized advice and investment solutions to highly successful individuals, families and business leaders. His disciplined approach focuses on helping clients align their finances with their most important goals and values, so they may enjoy the wealth they have created and leave the legacy they desire.
Lou learned first-hand the power of financial planning after his father passed away and he needed to provide financial guidance to his mother. This experience had a profound impact on his life, prompting him to change his emphasis in college to learn more about finance. After earning his B.S. degree in Management Data Systems at Syracuse University, Lou continued his studies, earning his M.B.A. at Texas A&M University in 1985. Upon graduation, he became a Financial Advisor at Legg Mason, which later became a part of Morgan Stanley through a series of mergers. Lou is proud to be a member of the firm for over 25 years.
Lou’s professional mission is to guide his clients on the growth and preservation of their assets, while providing for current income and cash flow needs. His comprehensive process focuses on understanding each client’s personal situation, goals and concerns. This information then serves as the foundation for the development and implementation of a tailored financial strategy, which can be easily adapted to respond to personal or market changes.
Lou currently lives in Rockville, Maryland with his wife, Jill, and their two children, Jake and Hayley. In his free time, he enjoys golf, fine beer and, most importantly, supporting his children in their various sports activities.
Lou learned first-hand the power of financial planning after his father passed away and he needed to provide financial guidance to his mother. This experience had a profound impact on his life, prompting him to change his emphasis in college to learn more about finance. After earning his B.S. degree in Management Data Systems at Syracuse University, Lou continued his studies, earning his M.B.A. at Texas A&M University in 1985. Upon graduation, he became a Financial Advisor at Legg Mason, which later became a part of Morgan Stanley through a series of mergers. Lou is proud to be a member of the firm for over 25 years.
Lou’s professional mission is to guide his clients on the growth and preservation of their assets, while providing for current income and cash flow needs. His comprehensive process focuses on understanding each client’s personal situation, goals and concerns. This information then serves as the foundation for the development and implementation of a tailored financial strategy, which can be easily adapted to respond to personal or market changes.
Lou currently lives in Rockville, Maryland with his wife, Jill, and their two children, Jake and Hayley. In his free time, he enjoys golf, fine beer and, most importantly, supporting his children in their various sports activities.
Securities Agent: PA, AZ, VA, NC, MO, CA, WY, VT, AK, FL, WV, TX, OR, NY, NM, MI, DE, CO, WA, NJ, NH, OH, NV, MN, MA, IN, AL, SC, RI, NE, ME, LA, KY, DC, CT, TN, MT, MS, MD, IL, GA; General Securities Representative; Investment Advisor Representative
NMLS#: 1350199
NMLS#: 1350199
About Anthony R Crisalli
Anthony, CFP® is an Associate Vice President, Financial Advisor and Certified Financial Planner (CFP®) at The Bethesda Heritage Group at Morgan Stanley. He works closely with individuals and families to ensure they have a solid understanding of their finances and an integrated approach to managing their wealth. Anthony is dedicated to helping clients achieve their financial goals, which often include saving for college, planning for a successful retirement and financing a major acquisition.
Anthony is deeply influenced by the values of his father, mother and grandfathers, who all operate successful businesses in Maryland. With his family as his inspiration, Anthony set out to pursue a professional that would directly help families and business owners save properly for retirement. Upon graduating from the College of Charleston in 2016 with a major in Finance and a minor in Spanish, Anthony soon joined Morgan Stanley and has been an important member of the team ever since. His current responsibilities include onboarding new clients, identifying and implementing financial planning strategies, and managing the team’s social media and marketing initiatives.
A strong believer in giving back, Anthony is a Make-A-Wish community leadership member for the Mid-Atlantic chapter, where he is an active fundraiser and volunteer. He is also an assistant lacrosse coach for the Alice Deal middle school team, an activity he thoroughly enjoys, as it enables him to stay involved in a sport he played growing up. An avid traveler and surfer, Anthony has been to Europe, Australia, the Caribbean and up and down the east coast. In his free time, he enjoys golf, tennis and a variety of outdoor activities.
Anthony is deeply influenced by the values of his father, mother and grandfathers, who all operate successful businesses in Maryland. With his family as his inspiration, Anthony set out to pursue a professional that would directly help families and business owners save properly for retirement. Upon graduating from the College of Charleston in 2016 with a major in Finance and a minor in Spanish, Anthony soon joined Morgan Stanley and has been an important member of the team ever since. His current responsibilities include onboarding new clients, identifying and implementing financial planning strategies, and managing the team’s social media and marketing initiatives.
A strong believer in giving back, Anthony is a Make-A-Wish community leadership member for the Mid-Atlantic chapter, where he is an active fundraiser and volunteer. He is also an assistant lacrosse coach for the Alice Deal middle school team, an activity he thoroughly enjoys, as it enables him to stay involved in a sport he played growing up. An avid traveler and surfer, Anthony has been to Europe, Australia, the Caribbean and up and down the east coast. In his free time, he enjoys golf, tennis and a variety of outdoor activities.
Securities Agent: MD, SC, MS, GA, FL, CA, OR, NM, DC, WV, OH, MT, WY, AZ, NV, NJ, MN, IN, ID, RI, MI, MA, WA, VA, NC, LA, KY, IL, VT, NY, MO, ME, TN, PA, NH, DE, CT, CO, AL, TX, NE; General Securities Representative; Investment Advisor Representative
NMLS#: 1581097
NMLS#: 1581097
Contact Nicholas S Grubb
Contact J Britt
Contact Kevin Ebel
Contact Louis B Lachter
Contact Anthony R Crisalli
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
Mark Jansen
Family Office Resources Generalist
Maria Tashjian
Private Banker
About Mark Jansen
Mark Jansen is a Family Office Resources Generalist for Morgan Stanley’s Family Office Resources, covering the Southeast Region. In this capacity, Mark provides specialized expertise to Financial Advisors and their UHNW clients across a broad range of family wealth management issues including; family governance and wealth education, strategic estate and financial planning, philanthropy management and lifestyle advisory. Mark has over 30 years of experience advising wealthy families, business owners, and their children.
Most recently, Mark worked with New York Life in their Advanced Planning Group working with agents and their UHNW clients advising them on estate and legacy planning, business buy sell planning, and succession planning. Prior to New York Life, Mark held similar Advanced Planning Consulting roles in several National financial organizations. He originally started his career in the financial services industry in the tax department of the public accounting firm Grant Thornton. He is known for taking complex ideas and making them easy to understand. Frequently speaking to groups and individuals on estate and business planning, he brings a conversational style that helps to clarify the complex nature of these topics.
Mark received a Bachelor of Science degree from St. John’s University in Collegeville MN, received his JD degree Cum Laude from the University of Minnesota and his CPA license while working at Grant Thornton. He holds a Series 7, 24 and 63 securities licenses. He currently lives in Richmond Virginia with his wife and occasionally one of their 6 children.
Most recently, Mark worked with New York Life in their Advanced Planning Group working with agents and their UHNW clients advising them on estate and legacy planning, business buy sell planning, and succession planning. Prior to New York Life, Mark held similar Advanced Planning Consulting roles in several National financial organizations. He originally started his career in the financial services industry in the tax department of the public accounting firm Grant Thornton. He is known for taking complex ideas and making them easy to understand. Frequently speaking to groups and individuals on estate and business planning, he brings a conversational style that helps to clarify the complex nature of these topics.
Mark received a Bachelor of Science degree from St. John’s University in Collegeville MN, received his JD degree Cum Laude from the University of Minnesota and his CPA license while working at Grant Thornton. He holds a Series 7, 24 and 63 securities licenses. He currently lives in Richmond Virginia with his wife and occasionally one of their 6 children.
About Maria Tashjian
Maria Tashjian is a Private Banker serving Morgan Stanley Wealth Management offices in 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.
Maria began her career in financial services in 2006, and joined Morgan Stanley in 2010. Prior to being promoted to Private Banker in 2021, Maria served as the Associate Private Banker supporting Wealth Management offices in Virginia.
Maria is a graduate of the University of Massachusetts, where she received a Bachelor of Science in Management and a Master of Business Administration. She lives in Fairfax, Virginia with her family. Outside of the office, Maria enjoys spending time with her family and volunteering for local community organizations.
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.
Maria began her career in financial services in 2006, and joined Morgan Stanley in 2010. Prior to being promoted to Private Banker in 2021, Maria served as the Associate Private Banker supporting Wealth Management offices in Virginia.
Maria is a graduate of the University of Massachusetts, where she received a Bachelor of Science in Management and a Master of Business Administration. She lives in Fairfax, Virginia with her family. Outside of the office, Maria enjoys spending time with her family and volunteering for local community organizations.
NMLS#: 1500388
Wealth Management
Global Investment Office
Portfolio Insights
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
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
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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Ready to start a conversation? Contact The Bethesda Heritage 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 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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan 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.
3Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
4Municipal 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.
5Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
6Investors 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.
7Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
8Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
9Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
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, charitable giving, philanthropic 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.
12Morgan 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.
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 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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan 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.
3Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
4Municipal 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.
5Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
6Investors 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.
7Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
8Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
9Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
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, charitable giving, philanthropic 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.
12Morgan 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.
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)
