Senior Vice President, Financial Advisor, Executive Financial Services Director, Family Wealth Director, Chartered Special Needs Consultant
Phone:
(215) 963-3834(215) 963-3834
The Cutler Group at Morgan Stanley
Direct:
(215) 854-6000(215) 854-6000
Our Mission Statement
We strive to make a meaningful difference in the lives of our clients through listening and learning about what matters most to you.
Our Story and Services
Welcome to our website. We appreciate the opportunity to introduce our team and our custom financial planning process.
The Cutler Group offers best-in-class wealth management across all aspects of your financial life. Serving as your family office, we emphasize superior service with a personal touch and we strive to make a meaningful difference in the lives of our clients through listening and learning about what matters most to you.
Our team helps hard-working, motivated families find financial confidence by simplifying the complex, addressing concerns, and clarifying decisions throughout your life events. Depending upon where you are in your life cycle, we are here to guide you through the accumulation, preservation, or transition of your wealth.
Life constantly changes. As a result, strategies must evolve and proactive advice must be given. By developing close relationships, open dialogue, and continued education, we are able to help navigate through the ever changing political, social, and economic landscape.
To our current clients: Thank you again for your continued business and loyalty. For our future clients, we look forward to the opportunity to earn yours.
The Cutler Group offers best-in-class wealth management across all aspects of your financial life. Serving as your family office, we emphasize superior service with a personal touch and we strive to make a meaningful difference in the lives of our clients through listening and learning about what matters most to you.
Our team helps hard-working, motivated families find financial confidence by simplifying the complex, addressing concerns, and clarifying decisions throughout your life events. Depending upon where you are in your life cycle, we are here to guide you through the accumulation, preservation, or transition of your wealth.
Life constantly changes. As a result, strategies must evolve and proactive advice must be given. By developing close relationships, open dialogue, and continued education, we are able to help navigate through the ever changing political, social, and economic landscape.
To our current clients: Thank you again for your continued business and loyalty. For our future clients, we look forward to the opportunity to earn yours.
Services Include
- Wealth ManagementFootnote1
- Financial PlanningFootnote2
- Asset Management
- Retirement PlanningFootnote3
- Estate Planning StrategiesFootnote4
- Executive Financial ServicesFootnote5
- Stock Option PlansFootnote6
- Planning for Individuals with Special Needs
- Alternative InvestmentsFootnote7
- 401(k) Rollovers
- Cash Management and Lending ProductsFootnote8
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Full Suite of Offerings - Tailored to You
Our team utilizes the full suite of offerings from Morgan Stanley to serve our clients. Leveraging these resources and best practices, we are dedicated to working with our clients to achieve the financial future they envision.
Financial Planning
- Net Worth Analysis
- Cash Flow Analysis
- Asset Allocation Analysis
- Saving & Investing Strategies
- Tax Minimization Strategies
- Debt Reduction Strategies
- Cash Flow Analysis
- Asset Allocation Analysis
- Saving & Investing Strategies
- Tax Minimization Strategies
- Debt Reduction Strategies
Retirement Planning
- Retirement Savings Strategies
- Cash Flow Management & Budgeting
- Opportunistic & Tax-Efficient Withdrawal Strategies
- Required Minimum Distributions (RMDs)
- Roth Conversion Strategies
- "Back-Door" Roth IRA Viability
- Cash Flow Management & Budgeting
- Opportunistic & Tax-Efficient Withdrawal Strategies
- Required Minimum Distributions (RMDs)
- Roth Conversion Strategies
- "Back-Door" Roth IRA Viability
Investment & Portfolio Management
- Asset Allocation Analysis
- Risk Management
- Traditional Investments
- Alternative Investments
- Sustainable Investments
- Behavioral Counseling
- Risk Management
- Traditional Investments
- Alternative Investments
- Sustainable Investments
- Behavioral Counseling
Risk Management
- Identifying & Understanding Risk
- Portfolio Standard Deviation Analysis
- Portfolio Stress Testing
- Hedging Strategies & Options
- Interest Rate Risk Management
- Inflation Modeling & Monitoring
- Portfolio Standard Deviation Analysis
- Portfolio Stress Testing
- Hedging Strategies & Options
- Interest Rate Risk Management
- Inflation Modeling & Monitoring
Trust & Estate Planning Strategies
- Wealth Transfer Strategies
- Inter-generational Needs
- Multi-generational Planning
- Review of Current Estate Law
- Introduction to Trust Specialists
- Coordination with Estate Attorneys
- Inter-generational Needs
- Multi-generational Planning
- Review of Current Estate Law
- Introduction to Trust Specialists
- Coordination with Estate Attorneys
Cash Management & Lending
- Direct Deposit & Check Writing
- Credit Cards & Online Bill Pay
- Residential & Commercial Financing
- Securities Based Lending Options
- Estimated Tax Payment Assistance
- Home Renovation Financing
- Credit Cards & Online Bill Pay
- Residential & Commercial Financing
- Securities Based Lending Options
- Estimated Tax Payment Assistance
- Home Renovation Financing
Insurance Services & Solutions
- Term Life Insurance
- Permanent Life Insurance
- Long-Term Care Insurance
- Disability Insurance
- Corporate Executive Protection Strategies
- Annuities
- Permanent Life Insurance
- Long-Term Care Insurance
- Disability Insurance
- Corporate Executive Protection Strategies
- Annuities
Philanthropy & Legacy Planning
- Charitable Lead Trusts
- Family Foundations
- Donor-advised Funds
- Charitable Giving & Required Minimum Distributions
- Coordination with Estate & Tax Professionals
- Education for Family Members & Next Generation
- Family Foundations
- Donor-advised Funds
- Charitable Giving & Required Minimum Distributions
- Coordination with Estate & Tax Professionals
- Education for Family Members & Next Generation
Our Commitment To You
Our clients choose to work with us because they recognize that we have a genuine interest in their success. Each of the items below are considered pillars of our client experience. They are non-negotiable. Keeping the client and their experience at the center of everything we do builds meaningful and long-lasting relationships, often spanning multiple generations and introductions to family and friends.
Fiduciary Advice
While many advisors operate under the "suitability" standard, we serve - at all times - as fiduciaries to our clients. This enhanced level of care requires us to ALWAYS put our clients and their interests first.
Communication in Good Markets & Bad
Communication under any circumstance is a critical element of a successful financial advisory relationship. Whether it be a bull or bear market, we are always available to our clients.
Available & Responsive
We take great pride in always being available and responsive to our clients. Whether via email, phone, or in-person, we promise to promptly address your most pressing needs.
Education
The world of investing can be confusing and difficult to navigate, especially alone. We strive to provide sound investment education and advice - in plain English - that is easy to understand, implement, and monitor.
Objective Advice
We always give our clients our true, professional opinion (even if it's not the answer they want to hear). Tough conversations - while infrequent - are necessary and appreciated by clients.
Behavioral Counseling
It is essential for us to help our clients understand and manage the impulses of emotional buying and selling that can derail even the soundest of plans.
Transparent
An open and honest discussion and a full understanding of the costs of working with us is essential to evaluating the effectiveness of any product or service that you may consider.
Relentless Pursuit of Excellence
Whether it be through attaining industry designations and certifications, staying abreast of developments impacting the markets, or analyzing investment opportunities, we constantly strive to be the most educated, credentialed, and well versed resource for our clients.
Your Personalized Financial Plan
We are dedicated to delivering highly responsive and individualized solutions to our clients, using a focused, objective financial planning process.
Step 1: Initial Conversation & Data Gathering
The purpose of this meeting is twofold: (1) to gather all of the essential background information about you that will be needed to prepare a comprehensive Financial Plan and (2) to establish the specific goals and objectives that you hope to achieve. Before this meeting, you will be asked to gather all pertinent information on investments, liabilities, insurance, and cash flow.
Step 2: Plan Preparation
After the data gathering meeting, we review your situation and prepare a comprehensive, written Financial Plan that is designed to help you achieve your personal goals. Your Financial Plan will include analyses regarding cash flow, investments, debt management, retirement planning, education funding, tax efficiency, lending, insurance, and estate planning.
Step 3: Plan Presentation
Once your personal Financial Plan is complete, we will reach out to schedule a "plan presentation" meeting. During this presentation, the written Financial Plan is covered in detail with you so that you can completely understand what we are proposing. Any questions that you may have or any concern that was not addressed in the Financial Plan can be covered during this meeting as well.
Step 4: Plan Implementation
Upon delivery of your Financial Plan, we discuss the steps necessary to implement our recommendation. We utilize our industry leading resources and experience to assist in the effective and efficient implementation of your personal Financial Plan.
Step 5: Ongoing Monitoring
We help you periodically track your progress and make adjustments to your Financial Plan and Investment portfolio as necessary.
Business Exit Planning
If you are contemplating an exit from your business, there are a multitude of personal, business, tax, estate and financial factors involved in making this important decision. The earlier you begin planning, the more options you will have for a successful exit.
Stage One: Pre-Planning
Identify your team who will help you make the best decisions for your business and your personal finances. Your team should include an estate attorney, corporate attorney, investment banker, accountant, a business valuation expert and your Financial Advisor.
Your team can help you:
- Conduct a market analysis to determine the current value of your business
- Review your company's "curb appeal" to optimize the sale price
- Update your financial and estate plans
- Evaluate various strategies to understand the pros and cons of each
These strategies may include:
- Transferring business interests within your family through inter-family loans, self-cancelling installment notes and gifting shares of ownership
- Employee Stock Ownership Plan (ESOP) to provide a vehicle for purchasing a department owner's shares in the company, using tax-deductible plan contributions
- A management buy-out to allow employees to purchase your company using external financing
- Recapitalization to unlock some of the value of your business through the sale of debt or equity
- Selling to a third party
Your team can help you:
- Conduct a market analysis to determine the current value of your business
- Review your company's "curb appeal" to optimize the sale price
- Update your financial and estate plans
- Evaluate various strategies to understand the pros and cons of each
These strategies may include:
- Transferring business interests within your family through inter-family loans, self-cancelling installment notes and gifting shares of ownership
- Employee Stock Ownership Plan (ESOP) to provide a vehicle for purchasing a department owner's shares in the company, using tax-deductible plan contributions
- A management buy-out to allow employees to purchase your company using external financing
- Recapitalization to unlock some of the value of your business through the sale of debt or equity
- Selling to a third party
Stage Two: Sales/Transfer Process
Focus on growing your business to increase its potential that buyers can envision taking over with minimal changes:
- Identify growth levers and focus your attention accordingly. It's also important to ensure continuity among owners. Take the time to train your successor and secure key employees through incentives and opportunities for personal growth
- Continue growing your business to increase its valuation. Focus on tasks that are yet to be completed to educate potential buyers that your business can be transferred without endangering potential cash flows and profits
- Begin to implement transfer strategies and work with your team to consider various strategies to transfer your business to family members
- Identify growth levers and focus your attention accordingly. It's also important to ensure continuity among owners. Take the time to train your successor and secure key employees through incentives and opportunities for personal growth
- Continue growing your business to increase its valuation. Focus on tasks that are yet to be completed to educate potential buyers that your business can be transferred without endangering potential cash flows and profits
- Begin to implement transfer strategies and work with your team to consider various strategies to transfer your business to family members
Stage Three: Post-Sale Engagement
Once you've completed your transaction, take some time to celebrate.
Then, work with your team to update your personal wealth management plan.
As your business has created new wealth for you and your family, it has most likely added complexity to your personal financial life. We can help you oversee those details, including managing the opportunities and risks that can come with your new balance sheet and investment portfolio.
Then, work with your team to update your personal wealth management plan.
As your business has created new wealth for you and your family, it has most likely added complexity to your personal financial life. We can help you oversee those details, including managing the opportunities and risks that can come with your new balance sheet and investment portfolio.
Location
303 Lippincott Dr
Ste 300
Marlton, NJ 08053
US
Direct:
(215) 854-6000(215) 854-6000
Meet The Cutler Group
Phone:
(215) 854-6105(215) 854-6105
Phone:
(610) 892-4404(610) 892-4404
Alyssa Follo
Registered Associate
Phone:
(610) 430-1938(610) 430-1938
About Matthew Cutler
Along with his leadership role within the group, Matt works closely with leading families across the U.S. as a trusted financial advisor. Matt believes in clear communication and forms long-term relationships with clients to discover their unique needs and aspirations and provide simple recommendations for complex financial decisions.
Matt offers guidance when developing comprehensive financial plans that incorporate family values and dynamics, education, wealth transfer, risk management/asset protection, and business succession strategies. In addition, Matt is an Executive Financial Services Director with extensive subject matter knowledge in delivering specialized services to, among others, corporate executives and board members of public companies.
Matt was awarded the CERTIFIED FINANCIAL PLANNER™ certification in 2013 by the Certified Financial Planner Board of Standards, Inc. As a CFP®, Matt offers guidance in the best interest of the Client. Additionally, he is a Chartered Special Needs Consultant (ChSNC®) to support and help families navigate the unique considerations, tax deductions, healthcare issues, Medicaid complexities, and the emotional aspects of providing for a disabled loved one.
Recently, Matt was named one as of “America’s Top Next-Generation Wealth Advisors” by Forbes Magazine and has been recognized as a Five-Star Wealth Manager by Philadelphia Magazine each year since 2014 (2014-2022). Matt has been awarded the designation of Senior Portfolio Management Director at Morgan Stanley which is one of the highest internal designations for Financial Advisors at the firm who manage client assets on a discretionary basis.
Matt’s philanthropic efforts focus on adults and children with rare genetic diseases and intellectual and development disabilities. Matt works with non-profit organizations to provide families with support while working towards a cure for Angelman syndrome.
Matt is a graduate of Stevens Institute of Technology with a B.S. in Business and Technology and holds an MBA from Fairleigh Dickinson University, with a concentration in Finance.
Matt lives in Mount Laurel, New Jersey with his wife (Jennifer) and 3 children, Charlie, Lincoln, and Beatrice.
Forbes America’s Top Next-Gen Wealth Advisors & Top Next-Gen Wealth Advisors Best-in-State
Source: Forbes.com (Awarded Aug 2022) Data compiled by SHOOK Research LLC based on time period from 3/31/21 - 3/31/22.
2014-2022 Five Star Wealth Manager Award
Source: fivestarprofessional.com (Awarded 2014-2022) These awards were determined through an evaluation process conducted by Five Star Professional, based on objective criteria, during the following periods:
2014 Award - 03/5/2013 - 09/9/2013
2015 Award - 03/5/2015 - 09/9/2015
2016 Award - 03/5/2016 - 10/7/2016
2017 Award - 01/20/2017 - 09/8/2017
2018 Award - 02/20/2018 - 09/19/2018
2019 Award - 02/11/2019 - 09/20/2019
2020 Award - 02/10/2020 - 09/11/2020
2021 Award - 01/18/2021 - 09/3/2021
2022 Award - 2/21/22 - 8/19/22
Matt offers guidance when developing comprehensive financial plans that incorporate family values and dynamics, education, wealth transfer, risk management/asset protection, and business succession strategies. In addition, Matt is an Executive Financial Services Director with extensive subject matter knowledge in delivering specialized services to, among others, corporate executives and board members of public companies.
Matt was awarded the CERTIFIED FINANCIAL PLANNER™ certification in 2013 by the Certified Financial Planner Board of Standards, Inc. As a CFP®, Matt offers guidance in the best interest of the Client. Additionally, he is a Chartered Special Needs Consultant (ChSNC®) to support and help families navigate the unique considerations, tax deductions, healthcare issues, Medicaid complexities, and the emotional aspects of providing for a disabled loved one.
Recently, Matt was named one as of “America’s Top Next-Generation Wealth Advisors” by Forbes Magazine and has been recognized as a Five-Star Wealth Manager by Philadelphia Magazine each year since 2014 (2014-2022). Matt has been awarded the designation of Senior Portfolio Management Director at Morgan Stanley which is one of the highest internal designations for Financial Advisors at the firm who manage client assets on a discretionary basis.
Matt’s philanthropic efforts focus on adults and children with rare genetic diseases and intellectual and development disabilities. Matt works with non-profit organizations to provide families with support while working towards a cure for Angelman syndrome.
Matt is a graduate of Stevens Institute of Technology with a B.S. in Business and Technology and holds an MBA from Fairleigh Dickinson University, with a concentration in Finance.
Matt lives in Mount Laurel, New Jersey with his wife (Jennifer) and 3 children, Charlie, Lincoln, and Beatrice.
Forbes America’s Top Next-Gen Wealth Advisors & Top Next-Gen Wealth Advisors Best-in-State
Source: Forbes.com (Awarded Aug 2022) Data compiled by SHOOK Research LLC based on time period from 3/31/21 - 3/31/22.
2014-2022 Five Star Wealth Manager Award
Source: fivestarprofessional.com (Awarded 2014-2022) These awards were determined through an evaluation process conducted by Five Star Professional, based on objective criteria, during the following periods:
2014 Award - 03/5/2013 - 09/9/2013
2015 Award - 03/5/2015 - 09/9/2015
2016 Award - 03/5/2016 - 10/7/2016
2017 Award - 01/20/2017 - 09/8/2017
2018 Award - 02/20/2018 - 09/19/2018
2019 Award - 02/11/2019 - 09/20/2019
2020 Award - 02/10/2020 - 09/11/2020
2021 Award - 01/18/2021 - 09/3/2021
2022 Award - 2/21/22 - 8/19/22
Securities Agent: MN, DC, CA, TN, RI, ME, AR, VI, NM, MT, NE, OK, MD, LA, FL, AZ, TX, NV, NJ, MS, KY, SC, MO, MI, MA, DE, WY, WV, NH, PA, IN, IL, ID, UT, NC, VT, GA, CT, CO, WA, VA, NY; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1282591
CA Insurance License #: 4298377
NMLS#: 1282591
CA Insurance License #: 4298377
About Patrick Kinch
As a dedicated Financial Advisor, Patrick works closely with the team’s clients to develop comprehensive wealth plans based on their specific needs, values, and aspirations. He devotes significant time to each relationship, helping his clients make informed financial decisions and implementing a disciplined investment process designed to keep them on track to reaching their goals. Patrick strives to present complex financial information in a practical fashion so that financial decisions can be made with confidence.
Prior to working at Morgan Stanley, Patrick worked at JPMorgan Chase where he held various roles as a Financial Analyst & Associate. Patrick’s passion for providing exceptional service & helping his clients achieve their lifelong financial goals lead him to pursue a career as a Financial Advisor.
Patrick is a graduate of Penn State University where he earned his bachelor’s degree in Accounting and played on the Penn State Ice Hockey team. Patrick enjoys remaining active with hockey, golf, and skiing in his free time.
Prior to working at Morgan Stanley, Patrick worked at JPMorgan Chase where he held various roles as a Financial Analyst & Associate. Patrick’s passion for providing exceptional service & helping his clients achieve their lifelong financial goals lead him to pursue a career as a Financial Advisor.
Patrick is a graduate of Penn State University where he earned his bachelor’s degree in Accounting and played on the Penn State Ice Hockey team. Patrick enjoys remaining active with hockey, golf, and skiing in his free time.
Securities Agent: NV, GA, MD, NM, FL, MI, ME, DC, TX, TN, RI, NC, MT, MS, MO, IL, DE, CO, OK, LA, WY, MA, KY, ID, CT, VT, SC, NH, NE, MN, IN, CA, WA, VA, NY, AR, PA, NJ, AZ, VI, WV, UT; General Securities Representative; Investment Advisor Representative
NMLS#: 1913303
CA Insurance License #: 4298376
NMLS#: 1913303
CA Insurance License #: 4298376
About Denise A. Wine
Denise was pleased to join Morgan Stanley in 2020 after eleven years with Wells Fargo Advisors. She holds FINRA series 7, 66 licenses as well as Life, Health, Variable Annuity Insurance Licenses. With extensive experience with high-net-worth families, and business professionals, Denise works closely with her clients in matters related to complex financial and multi-generational situations including Trust and Private Family Foundations. She ensures all clients have a robust financial plan which include risk adjusted investment portfolios, retirement planning, portfolio taxation, cash flow, and estate planning strategies.
Prior to Denise’s work in Wealth Management, she had a successful career in executive management leadership positions with Fortune 500 companies.
Denise is actively involved in her local community, and currently serves as Chairman of the Board for The Fund for Women and Girls located in Chester County. She is also a member of the West Chester Rotary Passport Club, and the Chester County Estate Planning Council.
Prior to Denise’s work in Wealth Management, she had a successful career in executive management leadership positions with Fortune 500 companies.
Denise is actively involved in her local community, and currently serves as Chairman of the Board for The Fund for Women and Girls located in Chester County. She is also a member of the West Chester Rotary Passport Club, and the Chester County Estate Planning Council.
Securities Agent: OK, MT, MO, GA, VI, WA, TX, SC, NY, NE, NC, MA, UT, NV, MD, LA, CO, RI, PA, NM, MS, AZ, WY, VA, NH, MN, MI, ME, ID, CT, VT, DE, DC, AR, WV, TN, NJ, KY, IL, FL, IN, CA; General Securities Representative; Investment Advisor Representative
NMLS#: 2062287
CA Insurance License #: 4298379
NMLS#: 2062287
CA Insurance License #: 4298379
About Alyssa Follo
Alyssa Follo joined Morgan Stanley’s Newtown Square, PA branch in 2021 with prior experience as an Investment Specialist at Vanguard in Malvern, PA. She is a graduate of West Chester University where she studied Marketing and Business Law. Alyssa is now on our team as a Registered Client Service Associate with an additional role as Complex Coach – helping new Morgan Stanley hires across the Greater-Philadelphia Complex onboard, learn about the culture, and train them into their position. Alyssa currently resides in Media, PA. Outside of work, she enjoys taking her dogs on walks, heading to town with friends, reading, and painting.
Contact Matthew Cutler
Contact Patrick Kinch
Contact Denise A. Wine
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
Fabienne Sarnecki
Private Banker
About Fabienne Sarnecki
Fabienne Sarnecki is a Private Banker serving Morgan Stanley Wealth Management offices in Pennsylvania.
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.
Fabienne began her career in financial services in 2009, and joined Morgan Stanley in 2016 as a Regional Analyst. Prior to joining the firm, she was an Internal Wholesaler at Lincoln Financial Group as well as an Account Manager & Marketing Coordinator at Navidor Merchant Services.
Fabienne is a graduate of New York University where she received a Bachelor of Arts in Economics. She lives in Wayne, Pennsylvania with her family. Outside of the office, Fabienne enjoys running, hiking, exploring new types of cuisines and traveling with her family.
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.
Fabienne began her career in financial services in 2009, and joined Morgan Stanley in 2016 as a Regional Analyst. Prior to joining the firm, she was an Internal Wholesaler at Lincoln Financial Group as well as an Account Manager & Marketing Coordinator at Navidor Merchant Services.
Fabienne is a graduate of New York University where she received a Bachelor of Arts in Economics. She lives in Wayne, Pennsylvania with her family. Outside of the office, Fabienne enjoys running, hiking, exploring new types of cuisines and traveling with her family.
NMLS#: 1879930
Wealth Management
Global Investment Office
Portfolio Insights
Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
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
Article Image
Ready to start a conversation? Contact The Cutler 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 Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
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.
3When 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 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.
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 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.
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 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
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 Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
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.
3When 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 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.
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 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.
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 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
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.
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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)
