Our Story

At the core of our services is a disciplined investment process—one that begins and ends with our clients. This process has served our clients well for over 35 years. Our mission is simple: to craft investment advice that empowers our clients to make informed investment decisions that meets or exceeds their investment objectives.

We provide a complete range of investment advice to clients that include affluent individuals, family offices, corporations, foundations and endowments, pension funds and corporate retirement plans. We deliver the customized guidance and support you need to meet your long-term goals and objectives—and to weather volatile times, today and in the future. If you would like to know more about how our disciplined process and personalized services can help you meet your financial goals and needs, please contact me.

The Curtis Group is Graystone Consulting, an investment consulting division of Morgan Stanley*, is an outgrowth of Citi Institutional Consulting which continues a long legacy of delivering objective and practical advice to select institutional and high-net-worth clients.
Services Include
  • Wealth Management1
  • Alternative Investments2
  • Asset Management3
  • Corporate Retirement Plans4
  • Endowments and Foundations5
  • Executive Financial Services6
  • Financial Planning7
  • Institutional Services
  • Sustainable Investing8
  • Stock Option Plans9
Check the background of Our Firm and Investment Professional on FINRA's BrokerCheck.*

Mark has been recognized in numerous financial publications documenting the success of the Curtis Group, including:

  • Barron's Top 100 Advisors since 2004 (ranked #1 or #2 five of those years)
  • Barron's Advisor Hall of Fame
  • Registered Rep's Top 100 Wirehouse Advisors since 2002 (ranked #1 five times and top 2 three times)
  • Research Magazine #1 institutional advisor in 2005 and team in 2006, 2007 & 2008.

Experience

The Curtis Group, founded in 1985, offers a plethora of industry experience and expertise to its clientele. Currently comprising of 17 people in its Palo Alto location, the Curtis Group combines the resources of Graystone Consulting, MS's Corporate Client Group and Global Private Client Group to address the needs of affluent investors, family offices, tech entrepreneurs, foundations, endowments and corporate services for public and private companies. The variety of services and areas of expertise that the team offers go far beyond the normal expectations of wealth management.

Mark Curtis, the lead advisor, has consistently been ranked by Barron's and other leading industry magazines as one of the industry's top financial advisors. He is a recipient of the Harry B. Irvine Award of Smith Barney Consulting Group's Consultant of the Year and has served as co-chairman of Morgan Stanley's Director Advisory Group and as president of the Association of Professional Investment Consultants (APIC). The Curtis Group is extremely well-connected in Silicon Valley, with Mark serving as an Operating Partner for Morgan Stanley Expansion Capital and an Advisory Board Member to Sobrato Capital, Riverwood Capital, Formation 8 and 8 Partners (formerly Formation 8).

    Working With You

    Our clients rely upon our investment guidance, not only for themselves, but for their businesses, the non-profits they work with, as well as other institutional enterprises in which they are involved. They value our advice on issues that may go far beyond investments to include questions relating to wealth transfer, liability management and maximization of equity compensation.

    Our clients understand that we will only offer advice after discovering who they are as people, not just investors. That means asking the right questions about what they value, what they want their wealth to accomplish and what they believe the challenges may be.

    For more than 35 years, we have helped our clients simplify the complexity that managing wealth entails. Our team is committed to making a difference in the financial life of our clients.

      Location

      1400 Page Mill Road
      Palo Alto, CA 94304
      US
      Direct:
      (650) 496-4200(650) 496-4200
      Toll Free:
      (800) 764-2727(800) 764-2727

      Meet The Curtis Group

      Photo of Thomas McCue

      Thomas McCue

      Director of Business Strategy, Wealth Management, Portfolio Management Associate Director, Vice President, Wealth Management

      Phone:
      (650) 496-4260(650) 496-4260
      Photo of Matt Curtis

      Matt Curtis

      FA Intermediate

      About Me

      Mark Curtis is a Managing Director - Investments & Wealth Management of Graystone Consulting, a division of Morgan Stanley (and its predecessor firms). His advisory business includes affluent investors, foundations, endowments and corporate services for public and private companies. 
      Mark has consistently been ranked by leading industry magazines, such as Barron’s Magazine, Registered Rep. Magazine, San Francisco Bizjournal, Financial Times and American Top Advisors. The most recent 2018 “Barron’s–Top 100 Financial Advisors Rankings” recognized him as the #5 advisor in America and also highlighted him as one of the “Stalwart 15” an exclusive award recognizing the 15 financial advisors appearing in every Barron’s top 100 ranking since the inception of the list in 2004.
      Mark sits on the advisory boards of Riverwood Capital and Formation 8. Previously, he served as co-chairman of Morgan Stanley’s Director Advisory Group and as president of the Association of Professional Investment Consultants (APIC). He is a graduate of Stanford University with an MBA from UCLA. 

      Series 3, 7, 63 and 65 Licensed.
      Securities Agent: AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, PR, RI, SC, SD, TN, TX, UT, VA, VI, VT, WA, WI, WV, WY; Investment Advisor Representative; General Securities Representative; Transactional Futures/Commodities; Managed Futures
      NMLS#: 1261894

      About Me

      Thomas McCue has over 31 years of industry experience. He joined Morgan Stanley in 1988, and been a valued member of the Curtis Group at Graystone Consulting since 1990. As part of the Curtis Group, Mr. McCue provides a complete range of investment services to clients that include affluent individuals, foundations, and both public and private corporations. 
      He holds a BA degree in Economics from University of California, Davis.
      Series 7 and 63 Licensed.

      About Me

      Terry Joerger joined a predecessor firm of Morgan Stanley in 1985 and the Curtis Group in 1986 as its first team member.   
      Ms. Joerger's primary focus is the account and portfolio management for the largest Endowment, Foundation and Family Office clients of the Curtis Group.  
      Her responsibilities include establishment and management of investment policy statements, investment objectives and strategy, asset allocation, and manager selection.
      Series 7, 63 and 66 Licensed

      About Me

      Betty Zootis joined Morgan Stanley Wealth Management in 1990 and has been a member of the Curtis Group since 2015.
      As Group Director, Ms. Zootis serves as the team's lead administrator, key client contact for problem resolution, team coordination and workflow, escalation point for all team related matters, business development and marketing. 
      Series 7 and 66 Licensed.
      California Insurance License #0E56435

      About Me

      Ricardo Santamaria joined Morgan Stanley (and its predecessor firms) in 2001 and has been a member of the Curtis Group since 2007. 
      Mr. Santamaria focuses on creating investment strategies for the Curtis Group's diverse clientele. In addition, he serves as lead relationship manager for several high-net-worth, institutional, and family office relationships. Mr. Santamaria's responsibilities include establishing investment portfolios, creating investment policy statements, and developing asset allocation guidelines. In 2010, Mr. Santamaria received the Western Region Consulting Group Analyst of the Year award.  Mr. Santamaria holds a M.B.A. from Santa Clara University.Series 7, 63 and 65 Licensed.

      About Me

      Alex joined Morgan Stanley and The Curtis Group in 2015. Alex focuses on business development, marketing, sales management and strategic initiatives.Alex co-runs the reinvestment business that stems from the group's corporate clientele, managing and working with over 100 financial advisors and teams across the country. He also manages the team's partnership with Nasdaq Private Market, which is a joint initiative to make available wealth management education and services to employees and participants in private company liquidity programs.Alex holds a BA degree in Government from Claremont McKenna College.Series 7 and Series 66 Licensed.

      About Me

      Rudra Zutshi joined Morgan Stanley in 2007 and the Curtis Group in 2014. Ms. Zutshi works primarily with clients establishing investment objectives, helping create investment policy statements, developing asset allocation guidelines, and screening of money managers for investment.
      She holds a BS degree in Statistical Psychology from University of California, Davis. 
      Series 7, 66 Licensed.

      About Me

      Matthew Curtis first joined Morgan Stanley in 2010 as an analyst for Morgan Stanley Venture Partners before subsequently joining the wealth managment division in 2012, where he now serves as a financial advisor. Mr. Curtis provides financial advice and wealth management services to individual, institutional, and corporate clients.Mr. Curtis holds a B.A. from the University of California, Santa Barbara, and an M.B.A. from the University of Southern California.Series 7 and Series 66 Licensed.
      From Our Team

      Mark T. Curtis Named #1 Wirehouse Advisor in America


      Investment and Market Perspectives

      On the Markets

      Business Planning

      Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
      • Succession Planning
      • Business Planning
      • Retirement Plan Sponsors
      • Qualified Retirement Plans
      • Corporate Pension Funds
      6 Keys to Building a Startup

      6 Keys to Building a Startup

      Entrepreneurs share ideas and learnings from the experience of starting a company.

      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
      Financial Transition: A Guide for Women

      Financial Transition: A Guide for Women

      Here's how to take control of your finances if a death or divorce leaves you holding the reins.

      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.
      Art as An Asset
      CRC 2274738 01/19

      Art as An Asset

      Art may play a significant role in the context of a collector's overall wealth. Generally, a collector may differentiate financial assets, including stocks, bonds and real estate, from other possessions, such as art.

      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
      Five Smart Strategies to Use a Bonus or Raise

      Five Smart Strategies to Use a Bonus or Raise

      Have extra money coming in? Here are ways to put your money to work for you now, so you can reap the rewards down the road.

      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
      A New Roadmap for Mission Alignment

      A New Roadmap for Mission Alignment

      Non-profits, foundations and endowments need to ensure that their sources of capital are in sync with their stated goals.

      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
      The Simple Six-Step Retirement Checkup

      The Simple Six-Step Retirement Checkup

      Given market volatility in 2018, checking in on your retirement plan may be one of the wisest New Year’s resolutions you can make.

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      Ready to start a conversation? Contact The Curtis Group today.
      Market Information Delayed 20 Minutes
      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.

      2Alternative 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 suitable only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.

      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.

      4Tax laws are complex and subject to change. Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice and are not “fiduciaries” (under ERISA, the Internal Revenue Code or otherwise) with respect to the services or activities described herein except as otherwise provided in writing by Morgan Stanley and/or as described at www.morganstanley.com/disclosures/dol . Individuals are encouraged to consult their tax and legal advisors (a) before establishing a retirement plan or account, and (b) regarding any potential tax, ERISA and related consequences of any investments made under such plan or account.

      5Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.

      6Tax laws are complex and subject to change. Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice and are not “fiduciaries” (under ERISA, the Internal Revenue Code or otherwise) with respect to the services or activities described herein except as otherwise provided in writing by Morgan Stanley and/or as described at www.morganstanley.com/disclosures/dol . Individuals are encouraged to consult their tax and legal advisors (a) before establishing a retirement plan or account, and (b) regarding any potential tax, ERISA and related consequences of any investments made under such plan or account.

      7Morgan 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.

      8The 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.

      9Morgan 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.

      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 suitable 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”) 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.


      CRC 2019752 10/2018