The Cirelli Wetzler Reilly Group

We work with busy, industrious and intelligent people to bring balance to their lives, so they can concentrate on life's essential matters that bring them joy, meaning, and purpose.

We focus on the details which lead to your financial success: living comfortably and retiring without fear of outliving your money, educating your children and grandchildren, leaving a powerful legacy. Drawing on the resources of Morgan Stanley, we align ourselves to your priorities, are transparent in our decisions, and steadfast in our commitment to you and your family.

Together, using our team's unique process, we can:

- Develop a comprehensive financial plan

- Diversify your portfolio across a broad range of asset classes

- Adhere to a long-term strategic asset allocation

- Substitute discipline for emotion in the investment process

- Adjust holdings tactically in response to evolving opportunities and risk

- Maintain strict objectivity and avoid conflicts of interest

Asset Allocation does not assure a profit or protect against loss in declining financial markets.
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*

Our Process

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Our Services

Through our financial planning process, we customize our services to meet the specific financial needs of each client. Here are a list of services we provide to our clients:
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    Financial Planning
    • Retirement Planning
    • Retirement Income Analysis
    • Social Security Analysis
    • Net Worth Analysis
    • Estate Planning
    • Philanthropic Planning
    • Special Needs Planning
    • Executive Comp Planning
    • Liability Management
    • Insurance Needs Analysis
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    Special Services
    • Tax loss harvesting
    • IRA contributions
    • RMDs
    • CPA consultation
    • Estate attorney consultation
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    Banking
    • Checking accounts
    • Debit & credit cards
    • AFTs
    • Online Bill Pay
    • Mobile Banking
    • E-delivery
    • 24 hour web access
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    Lending
    • Portfolio Credit Lines
    • Mortgages, HELOCs
    • Letters of Credit
    • Commercial Real Estate
    • Equipment Leasing
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    Investments
    • Stocks, bonds
    • FDIC CDs & bank deposits
    • Mutual funds, ETFs
    • SMAs
    • Socially Responsible Investments (SRI/ESG)
    • Alternatives/Hedge funds
    • Annuities
    • Life Insurance
    • Long-term care insurance
    • Qualified Plans
    • 401(k)s
    • SEP & Simple IRAs
    • IRAs
    • Roth IRAs
    • 529s
    • Trusts

Creating Economic, Social, and Environmental Value

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Investing with Impact delivers a comprehensive and holistic wealth solution for our clients that seek to generate market-rate financial returns alongside positive environmental and social impact. The Cirelli Reilly Group, alongside the resources of Morgan Stanley, help individuals, families, and organizations we serve align their personal, social, and environmental values with their investments.
Institute for Sustainable Investing
Morgan Stanley produces informative sustainability research and opinions from industry and issue experts to encourage innovative approaches to solving climate change and other sustainability challenges.
Learn More

Morgan Stanley Resources

At Morgan Stanley, we provide clients with easily digestible financial analysis from our market research experts. The links below provide further insight on the markets, the economic landscape, and financial planning.
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    Overcoming Your 5 Biggest Retirement Challenges
    While saving for a retirement is important, so is your plan of action once you enter retirement.
    Click to read the article

Location

1201 Wills Street
Ste 700
Baltimore, MD 21231
US
Direct:
(410) 736-5436(410) 736-5436
Toll-Free:
(800) 837-5833(800) 837-5833

Meet The Cirelli Wetzler Reilly Wealth Management Group

About Joseph C Cirelli

Joe leads the Cirelli Wetzler Reilly Wealth Management Group at Morgan Stanley in advising corporate executives, business owners and successful individuals as Senior Vice President, Family Wealth Director, Senior Portfolio Management Director and Certified Financial Planner™. He has authored articles for the Baltimore Business Journal and The Daily Record, as well as being a recognized source in The Baltimore Sun.

Born in Pittsburgh, PA, Joe was raised in a culture of hard work. He credits his father, the former CEO of US Airways Federal Credit Union, for instilling in him his belief in the transformative power of education, and an interest in finance. He earned a B.A. with High Distinction from the University of Virginia in 1989.

Joe and his wife of 32 years, Barbara, spent 23 years raising their three children in the north Baltimore neighborhood of Stoneleigh where Joe served in many community leadership roles including President of the Stoneleigh Board of Governors. During that period Joe also did a stint on the Executive Board of the Maryland Chapter of the UVA Alumni Association. Having recently completed a 3-year term on the Board of Directors of the Star-Spangled Banner Flag House Museum in Baltimore, Joe has joined the Board of Love and Lunches, a local non-profit addressing food insecurity in Baltimore. Additionally, Joe has been named to the Community Advisory Board of Baltimore Public Media, the operator of public radio stations, WYPR and WTMD.

The Cirelli family resides in Fells Point, where Joe enjoys walking to his office in Harbor Point. Outside of work and engaging in community service Joe enjoys traveling, seeing live music, supporting the Baltimore Orioles and Newcastle United Football Club, and playing squash.
Securities Agent: CO, IL, CA, VA, FL, CT, WA, PA, NJ, NH, TN, OH, NV, MI, HI, UT, DC, AZ, DE, ME, NC, MA, GA, WV, TX, MD, SC, OR, NY; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1370415

About Thomas Edward Wetzler

Tom, a Senior Vice President, Financial Advisor and Senior Portfolio Manager with the Cirelli Wetzler Reilly Wealth Management Group at Morgan Stanley, has been managing business owners and high net worth families for over 20 years. Prior to joining Morgan Stanley, Tom spent 10 years at Merrill Lynch creating and implementing a wide range of wealth management strategies and solutions. He is committed to designing and managing investment portfolios to help meet clients’ unique investment goals.

Tom graduated from Lafayette College in 1988 with a bachelor’s degree in economics and marketing. After college, he spent the next 10 years as a commercial lender in the International Division of the First National Bank of Maryland.

Tom lives in Hunt Valley, Maryland, with his wife Anne and their 3 sons. Tom has served on several local Boards with a focus on children’s education. Presently, Tom serves on the Investment Advisory Board for Pickersgill Retirement Community.
Securities Agent: SC, AZ, UT, OR, NY, GA, VA, TN, HI, DC, NH, MA, FL, CO, CA, TX, NC, CT, NJ, MI, NV, IL, MD, WA, OH, ME, DE, PA; General Securities Representative; Investment Advisor Representative
NMLS#: 1253130

About Kieren Reilly

Kieren is an Associate Vice President, Senior Portfolio Manager and Certified Financial Planner™ with the Cirelli Wetzler Reilly Wealth Management Group at Morgan Stanley, with over 10 years of experience in financial planning.

Kieren builds comprehensive financial plans. He engages with clients to truly understand their unique goals and then designs thoughtful & efficient roadmaps to meet them. Kieren’s strength is providing the rationale behind each recommendation in a clear and concise manner. Progress to the client’s goals is monitored with frequent check-ups. This enables his clients to have more free time to focus on the pursuits that bring them joy and the people they love.

Kieren volunteers weekly as a pro bono Advisor to low and moderate-income individuals through Advisers Give Back, a non-profit seeking to bridge racial and gender wealth gaps.

Kieren is a graduate of the University of Maryland, College Park. Kieren and his wife, Zoë, enjoy cooking and entertaining at their home in the Federal Hill neighborhood of Baltimore. He loves hiking, camping, and visiting national parks.
Securities Agent: WA, CA, SC, OR, NV, TX, NC, ME, MD, IL, HI, TN, NY, MI, DC, CT, AZ, DE, CO, PA, NJ, MA, VA, GA, NH, UT, OH, FL; General Securities Representative; Investment Advisor Representative
NMLS#: 1423944
CA Insurance License #: 4072879

About Jayne Andrews

Jayne is a Senior Client Service Associate with the Cirelli Wetzler Reilly Wealth Management Group at Morgan Stanley. Jayne has worked with Joe since 2002 and prides herself on building strong and trusted relationships with clients and other team members. Additionally, she consistently provides exemplary service and an unparalleled experience for all clients.

Jayne's primary responsibility is managing and enhancing the client’s experience, beginning with client onboarding, asset tracking, funds movement, and assisting the Financial Advisors with plan implementation.

Jayne attended the McDonogh School and the College of William and Mary and currently resides in the Federal Hill neighborhood of Baltimore.

About Bryce Arnstein

Bryce joined the team in 2023 after graduating from the University of Maryland in 2022 with a degree in Finance and Information Systems. Bryce recently passed his Series 7 and Series 66 exams, making him a fully registered client service associate.
In his free time, Bryce enjoys hiking, following Baltimore sports, and spending time with family and friends exploring his new neighborhood -- the Federal Hill area of Baltimore.
Wealth Management
Global Investment Office

Portfolio Insights

Family

Creating customized financial strategies for the challenges that today’s families face.
  • Estate Planning Strategies
  • 529 Plans / Education Savings Planning
  • Long Term Care Insurance
  • Special Needs Planning
  • Trust Services
Are You Prepared for Tax Day?
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Are You Prepared for Tax Day?

The countdown to Tax Day has begun. Here are some strategies to consider as the deadline approaches.

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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Donor Advised Funds: A Smart Way to Manage Your Giving 

There’s more to charitable giving than you may realize. Here’s one method that may be a tax-efficient way to give and can help maximize your impact.
Ready to start a conversation? Contact The Cirelli Wetzler Reilly Wealth Management Group today.
Market Information Delayed 20 Minutes
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Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.

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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.

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Awards Disclosures
CRC 6491812 (04/2024)