Richard J Rosu-Myles, CIMA®
Executive Director, Wealth Management, Financial Advisor, Senior Investment Management Consultant
Phone:
(207) 771-0845(207) 771-0845
The Downeast Group at Morgan Stanley
Richard J Rosu-Myles, CIMA®Andrew P. Thomas, CIMA®Brian R. McHugh, CFP®, QPFC®, CPWA®Michael C. Melo, CFP®
Direct:
(207) 771-0800(207) 771-0800
Toll-Free:
(800) 442-6722(800) 442-6722
Our Mission Statement
Empower and enrich the lives of our clients by delivering unparalleled personal service, offering guidance, and employing a comprehensive, goals-oriented approach to wealth management.
Our Story
The origin of the phrase “Downeast” is typically traced to nautical terminology referring to direction, rather than location. Throughout the 1800s, while sailors hauled goods up the coast of New England, a strong wind would often be at their backs pushing them along, or “downwind” in an easterly direction. One can understand how the two terms “down” and “east” soon came to be combined as an expression of intended direction.
The Downeast Group seeks to embody the spirit of the expression – propelling and guiding our clients to their intended destination.
As a seasoned wealth management team for over 25 years, our Portland-based practice has worked with a select group of affluent individuals and families who value our depth of knowledge and experience in providing comprehensive strategies that are tailored to achieve their most important goals.
The Downeast Group seeks to embody the spirit of the expression – propelling and guiding our clients to their intended destination.
As a seasoned wealth management team for over 25 years, our Portland-based practice has worked with a select group of affluent individuals and families who value our depth of knowledge and experience in providing comprehensive strategies that are tailored to achieve their most important goals.
Services Include
- Professional Portfolio ManagementFootnote1
- Retirement PlanningFootnote2
- Planning for Education FundingFootnote3
- Estate Planning StrategiesFootnote4
- Philanthropic ManagementFootnote5
- Cash Management and Lending ProductsFootnote6
- Business PlanningFootnote7
- Life InsuranceFootnote8
- Long Term Care InsuranceFootnote9
- Corporate Retirement PlansFootnote10
- Alternative InvestmentsFootnote11
- Sustainable InvestingFootnote12
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Awards & Credentials
Forbes Best-In-State Wealth Management Teams (#1 in Maine in 2023 -2025))
Each year, Forbes Magazine releases a list of hand-selected and ranked wealth management teams to honor the top advisors and their teams in each state. From 2023-2025, The Downeast Group was named to the list, ranking #1 in Maine!
Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded 2023-2025). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded 2023-2025). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
Barron's Top 1200 Financial Advisors (Andrew Thomas)
Barron's published its first financial advisor ranking in 2004 to shine a spotlight on the nation's best wealth managers and to raise standards in the industry. In 2024, Andy was named to this list of distinguished financial advisors.
2024 Barron's Top 1,200 Financial Advisors: State-by-State
Source: Barrons.com (Awarded 2024). Data compiled by Barron's based on 12-month period concluding in Sept of the year prior to the issuance of the award.
2024 Barron's Top 1,200 Financial Advisors: State-by-State
Source: Barrons.com (Awarded 2024). Data compiled by Barron's based on 12-month period concluding in Sept of the year prior to the issuance of the award.
Forbes Best In-State Wealth Advisor (Andrew Thomas & Richard Rosu-Myles)
Each year, Forbes Magazine spotlights the top financial advisors in each state. To be considered, advisors must be nominated by their firm, researched, interviewed, and assigned a rank by SHOOK Research. From 2022-2024, Andy and Rick have been named a Forbes Best In-State Wealth Advisor.
2022-2024 Forbes Best-In- State Wealth Advisors
Source: Forbes.com (Awarded 2022-2024). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
2022-2024 Forbes Best-In- State Wealth Advisors
Source: Forbes.com (Awarded 2022-2024). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
CFP® - Certified Financial Planner™ (Brian McHugh & Michael Melo)
The Certified Financial Planner™ designation is awarded to candidates who have demonstrated expertise in the areas of Education, Investment, Tax, Retirement, Estate and Insurance planning. CFP® professionals must accrue several years of experience related to delivering financial planning services to clients and pass a comprehensive exam before calling themselves a CFP® Professional and are held to strict ethical standards to ensure financial planning recommendations are in the best interest of their clients.
Morgan Stanley Master's Club (Andrew Thomas and Richard Rosu-Myles)
Andy and Rick were named to Morgan Stanley's Master's Club, a prestigious club comprised of the firm's top Financial Advisors, for his consistent management service to his clients exclusive to the firm's top Financial Advisors.
Morgan Stanley Pacesetter's Club (Brian Mchugh)
Morgan Stanley produces a yearly recognition program for Financial Advisors who, in their first five years of practicing, demonstrate the highest professional standards and first class client service. Brian has been recognized by Morgan Stanley as a member of this club from 2020 to 2024.
COMPREHENSIVE WEALTH MANAGEMENT
Morgan Stanley Smith Barney LLC 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 visit us at http://www.morganstanleyindividual.com or consult with your Financial Advisor to understand these differences.
Life insurance, disability income insurance, and long-term care insurance are offered through Morgan Stanley Smith Barney LLC's licensed insurance agency affiliates.
When 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.
Rebalancing does not protect against a loss in declining financial markets. There may be a potential tax implication with a rebalancing strategy. Investors should consult with their tax advisor before implementing such a strategy.
Asset Allocation does not assure a profit or protect against loss in declining financial markets.
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 matters involving trusts, estate planning, charitable giving, philanthropic planning or other legal matters.
The 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.
The investments listed may not be appropriate for all investors. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, and encourages investors to seek the advice of a financial advisor. The appropriateness of a particular investment will depend upon an investor's individual circumstances and objectives.
Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third‐party corporate trustee.
Morgan Stanley Smith Barney LLC. Member SIPC.
CRC5760155 06/23
Life insurance, disability income insurance, and long-term care insurance are offered through Morgan Stanley Smith Barney LLC's licensed insurance agency affiliates.
When 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.
Rebalancing does not protect against a loss in declining financial markets. There may be a potential tax implication with a rebalancing strategy. Investors should consult with their tax advisor before implementing such a strategy.
Asset Allocation does not assure a profit or protect against loss in declining financial markets.
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 matters involving trusts, estate planning, charitable giving, philanthropic planning or other legal matters.
The 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.
The investments listed may not be appropriate for all investors. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, and encourages investors to seek the advice of a financial advisor. The appropriateness of a particular investment will depend upon an investor's individual circumstances and objectives.
Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third‐party corporate trustee.
Morgan Stanley Smith Barney LLC. Member SIPC.
CRC5760155 06/23
Our Approach
Managing Wealth involves Meeting Clients Goals
We believe achieving financial success starts with a comprehensive wealth strategy. We help define what is most important to our clients and implement the strategies that are suited for their needs. Whether they are accumulating wealth or investing for income, solidifying a retirement plan or planning a distribution approach that meets lifestyle and legacy goals, we are here to help every step of the way.
Our Focus is to Earn our Clients’ Confidence & Trust
We work closely with our clients to define objectives, explore alternative solutions, and navigate towards the financial strategies that are most appropriate for them. As our relationship evolves, we hope to be regarded as a valued professional resource that can help make decisions more informed on any financial issue.
We Take Pride in Offering Unique Skills & Perspectives
Working as a team affords us the opportunity to provide our clients with a high level of service not only through the quality of solutions we offer, but through the attentiveness and personalization with which we deliver them. We pride ourselves as a boutique client experience coupled with the resources of a global leader in Morgan Stanley.
Our Team Closely Monitors Activity While Staying Connected
Even the best plans are subject to change and require flexibility. We keep up-to-date on your financial position, life changes, and external factors such as tax legislation and adapt your plan accordingly so you stay on track to meet your goals. Our systematic monitoring process ensures regular communication and review.
RESOURCE CENTER
The Downeast Group is committed to providing the latest insight and resources available to be better informed in the current marketplace. The most current content available includes:
The Road Ahead: 2024 Presidential Insights
In this Morgan Stanley Research Report, we detail potential policy changes in a second Trump term and their implications for markets.
Read more here
Digital Vault
Digital Vault is an encrypted document delivery, storage, and collaboration space for Morgan Stanley clients and their Advisor teams. Click the link below to learn more.
Read more
GIC Weekly Research Report
The Global Investment Committee's Lisa Shalett headlines this weekly look at markets, asset class performance and fixed income.
GIC Weekly Research Report
Portfolio Risk Platform
You can't manage portfolio risk without seeing the full picture. This Morgan Stanley resource shows you where your investment exposures are and how they might affect your returns in different scenarios.
Read more hereLocation
100 Middle St
3rd Fl
Portland, ME 04101
US
Direct:
(207) 771-0800(207) 771-0800
Toll-Free:
(800) 442-6722(800) 442-6722
Meet The Downeast Group
Andrew P. Thomas, CIMA®
Executive Director, Wealth Management, Financial Advisor, Senior Investment Management Consultant
Phone:
(207) 771-0855(207) 771-0855
Brian R. McHugh, CFP®, QPFC®, CPWA®
Vice President, Wealth Management, Financial Advisor
Phone:
(207) 771-0849(207) 771-0849
Michael C. Melo, CFP®
Vice President, Wealth Management Associate, Financial Planning Specialist
Phone:
(207) 771-0807(207) 771-0807
Lauren K. Stone
Portfolio Associate
Phone:
(207) 771-0850(207) 771-0850
Lily Marcu
Registered Client Service Associate
Phone:
(207) 771-0837(207) 771-0837
About Richard J Rosu-Myles
For over 30 years, Rick has helped families develop comprehensive financial plans and sound investment strategies to help them remain financially independent. In 2008, Rick earned the Certified Investment Management Analyst® (CIMA®) designation, one of the most valued certifications for advanced investment consulting in the financial services industry. In addition, Morgan Stanley has recognized Rick’s consistent excellence in providing a wide range of wealth management services to his clients, naming him to the Firm’s prestigious Master’s Club in 2018.
Before joining Morgan Stanley in 1994, Rick was a two-year captain of the Boston University varsity basketball team. He credits time as a student-athlete as a key contributor to developing his work ethic, leadership ability and organizational skills. Rick has spent countless hours volunteering with Big Brothers Big Sisters, changing the lives of children since becoming a Big Brother in 1996. Rick lives in Cape Elizabeth with his wife and two children. He feels fortunate to live a state that allows him to enjoy his favorite hobbies; fishing, skiing, white water sports, snowmobiling and cycling.
NMLS# 2260906
Before joining Morgan Stanley in 1994, Rick was a two-year captain of the Boston University varsity basketball team. He credits time as a student-athlete as a key contributor to developing his work ethic, leadership ability and organizational skills. Rick has spent countless hours volunteering with Big Brothers Big Sisters, changing the lives of children since becoming a Big Brother in 1996. Rick lives in Cape Elizabeth with his wife and two children. He feels fortunate to live a state that allows him to enjoy his favorite hobbies; fishing, skiing, white water sports, snowmobiling and cycling.
NMLS# 2260906
Securities Agent: GA, OK, NM, NJ, MD, IN, IL, VA, HI, VT, OR, MN, SC, NY, MT, MI, ID, AL, WI, MA, CT, ME, PA, NE, TX, TN, NV, NH, DE, DC, CA, UT, OH, ND, IA, FL, CO, WA, RI, NC, MO, AZ; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 2260906
NMLS#: 2260906
About Andrew P. Thomas
Drawing on over 21 years of experience in financial planning, Andy serves successful families and business owners, focusing his talents on financial planning, portfolio construction and wealth management. Following a disciplined planning process, he develops a thorough understanding of each client’s personal, professional and philanthropic goals, making sure that their most important needs and aspirations are addressed within the context of a comprehensive wealth management plan.
In 2018, Andy is named to the firm’s prestigious Master’s Club, an elite group composed of the Firm’s top Financial Advisors. In 2008, he earned a Certified Investment Management Analyst® (CIMA®) designation. CIMA certificants have successfully met initial and ongoing standards to provide objective investment advice to individuals and institutions.
As part of his ongoing commitment to better serving the needs of clients, Andy earned Morgan Stanley’s Family Wealth Advisor (FWA) designation. Financial Advisors who hold the FWA designation have demonstrated their ability to work closely with families to understand their circumstances – not just their finances, but also their individual and collective goals and how they may impact one another.
Andy graduated in 1995 from the University of Maine with a Bachelor of Science degree in Civil Engineering. After graduating he worked as a consulting engineer for five years. He also spent eight years in the Army National Guard serving time between the Mountain Infantry and Engineering Divisions.
In 2018, Andy is named to the firm’s prestigious Master’s Club, an elite group composed of the Firm’s top Financial Advisors. In 2008, he earned a Certified Investment Management Analyst® (CIMA®) designation. CIMA certificants have successfully met initial and ongoing standards to provide objective investment advice to individuals and institutions.
As part of his ongoing commitment to better serving the needs of clients, Andy earned Morgan Stanley’s Family Wealth Advisor (FWA) designation. Financial Advisors who hold the FWA designation have demonstrated their ability to work closely with families to understand their circumstances – not just their finances, but also their individual and collective goals and how they may impact one another.
Andy graduated in 1995 from the University of Maine with a Bachelor of Science degree in Civil Engineering. After graduating he worked as a consulting engineer for five years. He also spent eight years in the Army National Guard serving time between the Mountain Infantry and Engineering Divisions.
Securities Agent: MN, ND, OK, CA, UT, NY, NJ, NC, MO, WA, VT, MT, FL, PA, MI, IN, TX, OH, NH, IA, AR, SC, ME, AZ, WI, VA, ID, CT, RI, HI, DE, DC, CO, NV, NE, MD, MA, IL, GA, WY, NM; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 2463340
NMLS#: 2463340
About Brian R. McHugh, CFP®, QPFC®, CPWA®
Brian works with a range of clients from business owners focused on tax-efficient wealth accumulation to retirees seeking to maintain a secure retirement. In keeping with Downeast Group practice, he develops a financial plan and implements a subsequent investment strategy specifically designed to help meet each client’s unique individual goals. He also has extensive knowledge and experience working with retirement plan sponsors.
Brian is a native of South Portland. He received his undergraduate degree from Bentley University in 2014 with a B.S. in Finance. After a brief stint living in the greater Boston area working in the life insurance industry, he decided to move back to his home state to build his wealth management practice.
Outside of his work at Morgan Stanley, he serves on the board of, and volunteers with, the Big Brothers Big Sisters Organization. In his free time he enjoys skiing, traveling and exploring Portland’s great restaurant scene. Brian lives in Yarmouth with his wife Laura and their dog.
Brian is a native of South Portland. He received his undergraduate degree from Bentley University in 2014 with a B.S. in Finance. After a brief stint living in the greater Boston area working in the life insurance industry, he decided to move back to his home state to build his wealth management practice.
Outside of his work at Morgan Stanley, he serves on the board of, and volunteers with, the Big Brothers Big Sisters Organization. In his free time he enjoys skiing, traveling and exploring Portland’s great restaurant scene. Brian lives in Yarmouth with his wife Laura and their dog.
Securities Agent: OR, MN, WA, MD, IN, WI, NV, MT, MO, MA, CT, CA, VA, NJ, NH, NC, GA, CO, AZ, SC, NE, MI, ND, ME, DE, DC, UT, TX, PA, ID, OK, OH, NM, LA, FL, NY, IL, IA, HI, VT, RI; General Securities Representative; Investment Advisor Representative
NMLS#: 1539487
NMLS#: 1539487
About Michael C. Melo
Mike applies his background and experience in support of The Downeast Group’s commitment to helping clients define their financial goals and implement an organized financial plan to achieve them. He focuses on initial development and annual review of client financial plans, client engagement, and addressing specific needs and service issues of clients.
An alumnus of Bentley University, Michael received a B.S. in Finance in 2011 and M.S. in Financial Planning in 2012. He has earned the CERTIFIED FINANCIAL PLANNER (CFP®) designation. Prior to joining the Downeast Group in 2016, Michael worked as an Associate for Commonwealth Planning Group, a Boston-based financial planning firm. He holds FINRA Series 7 and 66 licenses as well as a Maine Life and Health Insurance license.
Mike resides in Freeport with his wife, Emily, their son, Owen, and their two dogs, Arya and Crowley. In his off time he enjoys exploring the trails at various state parks, camping, and swimming. He and Emily also volunteer as foster parents for adoptable dogs through a local rescue organization.
This role cannot solicit or provide investment advice.
An alumnus of Bentley University, Michael received a B.S. in Finance in 2011 and M.S. in Financial Planning in 2012. He has earned the CERTIFIED FINANCIAL PLANNER (CFP®) designation. Prior to joining the Downeast Group in 2016, Michael worked as an Associate for Commonwealth Planning Group, a Boston-based financial planning firm. He holds FINRA Series 7 and 66 licenses as well as a Maine Life and Health Insurance license.
Mike resides in Freeport with his wife, Emily, their son, Owen, and their two dogs, Arya and Crowley. In his off time he enjoys exploring the trails at various state parks, camping, and swimming. He and Emily also volunteer as foster parents for adoptable dogs through a local rescue organization.
This role cannot solicit or provide investment advice.
About Lauren K. Stone
Lauren is often a first line of contact on a broad array of client services. From the largest task to the smaller request, many clients have come to know how diligently she works to exceed expectations as a stalwart member of our client service team. She is also responsible for the implementation and oversight of managed account platforms, execution of investment modifications, and assisting the group with business management tasks such as appointment scheduling and client meeting preparation.
Lauren joined the Downeast Group in 2007 as a Client Service Associate. She has over 20 years of experience in the banking and investment industry, having worked for the Maine Credit Union League as a Senior Credit Union Support Specialist prior to joining Morgan Stanley.
Raised in the Moosehead Lake region of Maine, Lauren graduated from St. Joseph’s College in Standish with a B.A. in Mass Communication. She currently holds FINRA Series 7 and 66 licenses. Outside of work you can usually find Lauren helping out at her husband Alex’s burger shop (Blazes Burgers!) or hanging out with their two sons and rescue dog Maple.
Lauren joined the Downeast Group in 2007 as a Client Service Associate. She has over 20 years of experience in the banking and investment industry, having worked for the Maine Credit Union League as a Senior Credit Union Support Specialist prior to joining Morgan Stanley.
Raised in the Moosehead Lake region of Maine, Lauren graduated from St. Joseph’s College in Standish with a B.A. in Mass Communication. She currently holds FINRA Series 7 and 66 licenses. Outside of work you can usually find Lauren helping out at her husband Alex’s burger shop (Blazes Burgers!) or hanging out with their two sons and rescue dog Maple.
About Lily Marcu
Lily prioritizes building strong relationships to offer meaningful service, fostering a sense of trust and reliability in every client interaction.
Before joining the Downeast Group in 2023, Lily held Client Service roles with RM Financial and Hightower Advisors. She received her B.S. degree from Roger Williams University, with a major in Finance and minor in French. She currently holds FINRA Series 7 and Series 66 licenses.
In her spare time, she loves to be outdoors. Lily aims to join the AMC 4,000-Footer Club, which entails hiking all 48 of New Hampshire’s mountains that are 4,000 feet and taller. When she isn’t venturing at higher altitudes, she is at sea level on her paddleboard in Casco Bay to visit her mother’s café on Chebeague Island. She also enjoys traveling and is especially excited to introduce her daughter, Ondine, to Romania, where her husband, Vici, was born and raised.
Before joining the Downeast Group in 2023, Lily held Client Service roles with RM Financial and Hightower Advisors. She received her B.S. degree from Roger Williams University, with a major in Finance and minor in French. She currently holds FINRA Series 7 and Series 66 licenses.
In her spare time, she loves to be outdoors. Lily aims to join the AMC 4,000-Footer Club, which entails hiking all 48 of New Hampshire’s mountains that are 4,000 feet and taller. When she isn’t venturing at higher altitudes, she is at sea level on her paddleboard in Casco Bay to visit her mother’s café on Chebeague Island. She also enjoys traveling and is especially excited to introduce her daughter, Ondine, to Romania, where her husband, Vici, was born and raised.
Contact Richard J Rosu-Myles
Contact Andrew P. Thomas
Contact Brian R. McHugh, CFP®, QPFC®, CPWA®
Wealth Management
Global Investment Office
Portfolio Insights
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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
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Financial Wellness
Enhancing Financial Wellness enables your workforce to do their best work. Companies that invest in financial wellness have an opportunity to:
- Reduce employee stress,
- Improve retention and engagement, and
- Set themselves apart by offering comprehensive financial wellness benefits.
Ready to start a conversation? Contact The Downeast 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’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be appropriate for you. Please see the Morgan Stanley Smith Barney LLC program disclosure brochure (the “Morgan Stanley ADV”) for more information in the investment advisory programs available. The Morgan Stanley ADV is available at www.morganstanley.com/ADV.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2When 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.
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 always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
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.
5Products and services are provided by third party service providers, not Morgan Stanley Smith Barney LLC (“Morgan Stanley”). Morgan Stanley may not receive a referral fee or have any input concerning such products or services. There may be additional service providers for comparative purposes. Please perform a thorough due diligence and make your own independent decision.
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. 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.
6Morgan 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
7Morgan 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.
8Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
9Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
10When 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.
11Alternative 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.
12The returns on a portfolio consisting primarily of Environmental, Social and Governance (“ESG”) aware investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because ESG criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Diversification does not guarantee a profit or protect against loss in a declining financial market.
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’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be appropriate for you. Please see the Morgan Stanley Smith Barney LLC program disclosure brochure (the “Morgan Stanley ADV”) for more information in the investment advisory programs available. The Morgan Stanley ADV is available at www.morganstanley.com/ADV.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2When 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.
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 always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
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.
5Products and services are provided by third party service providers, not Morgan Stanley Smith Barney LLC (“Morgan Stanley”). Morgan Stanley may not receive a referral fee or have any input concerning such products or services. There may be additional service providers for comparative purposes. Please perform a thorough due diligence and make your own independent decision.
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. 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.
6Morgan 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
7Morgan 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.
8Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
9Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
10When 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.
11Alternative 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.
12The returns on a portfolio consisting primarily of Environmental, Social and Governance (“ESG”) aware investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because ESG criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Diversification does not guarantee a profit or protect against loss in a declining financial market.
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)
