Julie Braun, CRPS®
Financial Advisor, Corporate Retirement Director, Financial Wellness Director
Phone:
(802) 652-6042(802) 652-6042
The Dubie Group at Morgan Stanley
Direct:
(802) 658-2424(802) 658-2424
Toll-Free:
(800) 446-0193(800) 446-0193
Our Mission Statement
We focus on Retirement Plans by assisting Fiduciaries and helping participants get on track for retirement.
About Message
As a Corporate Retirement Director, the Dubie Group can provide guidance and information to help you meet your fiduciary responsibilities. We know you’re busy managing your business and that you may not have the experience or the time to do what is necessary to make the right decisions. We have the tools and knowledge to help you make informed investment decisions as well as address your other plan responsibilities. You can feel confident knowing that we are committed to putting our resources and experience to work for your organization’s retirement plan.
Services Include
- 401(k) Rollovers
- Asset Management
- Corporate Cash Management
- Corporate Pension FundsFootnote1
- Corporate Retirement PlansFootnote2
- Defined Contribution PlansFootnote3
- Endowments and FoundationsFootnote4
- Executive Financial ServicesFootnote5
- Financial PlanningFootnote6
- Retirement PlanningFootnote7
- Wealth ManagementFootnote8
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Our Team's Awards
Forbes Best-In-State Wealth Management Teams
Chris Dubie and Julie Braun 2025
Source: Forbes (Awarded Jan 2025) Data compiled by SHOOK Research LLC for the period 3/31/23-3/31/24
Forbes Best-in-State Wealth Advisors
Chris Dubie 2018-2024
2018, 2019, 2020, 2021, 2022, 2023, 2024 Forbes Best-In- State Wealth Advisors
Source: Forbes.com (Awarded 2018, 2019, 2020, 2021, 2022, 2023, 2024). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
NAPA Top Women Advisors
Julie Braun 2015-2023
2015, 2016, 2017, 2018, 2019, 2020, 2021, 2022, 2023, 2024 NAPA's Top Women Advisors
Source: Source: napa-net.org (Awarded 2015, 2016, 2017, 2018, 2019, 2020, 2021, 2022, 2023, 2024) Data compiled by NAPA during the period from Aug of the year prior to the award – Aug of the year the award was given.
NAPA Top DC Advisory Teams
Chris Dubie and Julie Braun 2019-2024
2019, 2020, 2021, 2022, 2023, 2024 NAPA's Top DC Advisor Teams
Source: Source: napa-net.org (Awarded 2019, 2020, 2021, 2022, 2023, 2024) Data compiled by NAPA based on self-reported assets under advisement as of Dec 31 of the year prior to year the award was given.
Financial Times Top 401 Advisors
Chris Dubie 2015-2020
2015, 2016, 2017, 2018, 2019, 2020 Financial Times 401 Top Retirement Advisors
Source: ft.com. Data compiled by the Financial Times based the following time periods:
Awarded 2020; data 12/31/16 - 12/31/19
Awarded 2019; data 12/31/15 - 12/31/18
Awarded 2018; data 12/31/15 - 12/31/17
Awarded 2017; data 12/31/14 - 12/31/16
Awarded 2016; data 12/31/13 - 12/31/15
Awarded 2015; data 9/30/13 -9/30/14
NAPA's Top Retirement Plan Advisors Under 40 (Aces)
Julie Braun 2021
2021 NAPA's Top Retirement Plan Advisors Under 40 (Aces) (previously referred to as NAPA's Top Retirement Plan Advisors Under 40 (Young Guns))
Source: Source: napa-net.org (Awarded 2021) Data compiled by NAPA from Aug of the year prior to the award – Aug of the year the award was given.
NAPA's Top Retirement Plan Advisors Under 40 (Young Guns)
Julie Braun 2015-2020
2015-2020 NAPA's Top Retirement Plan Advisors Under 40 (Young Guns)
Source: Source: napa-net.org (Awarded 2015 - 2020) Data compiled by NAPA from Aug of the year prior to the award – Aug of the year the award was given.
Awarded 2020; data 08/2019 – 08/2020
Awarded 2019; data 08/2018 – 08/2019
Awarded 2018; data 08/2017 – 08/2018
Awarded 2017; data 08/2016 – 08/2017
Awarded 2016; data 08/2015 – 08/2016
Awarded 2015; data 08/2014 – 08/2015
Barron's Top 1,200 Financial Advisors: State-by State
Chris Dubie (Vermont) 2024
2024 Barron's Top 1,200 Financial Advisors: State-by-State (formerly referred to as Barron's Top 1,000 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.
Corporate Retirement Planning
At The Dubie Group at Morgan Stanley, we make administering your retirement plan easier, so you can target more time running your business. We strive to provide you with custom solutions to help reduce associated risk and minimize costs in an effort to maximize returns. Our team's experience and guidance helps allow plan sponsors to effectively navigate the fiduciary landscape among:
- Defined Contribution Plans
- Defined Benefit Plans
- Non-Qualified Deferred Compensation Plans and
- Cash Balance Plans.
Plan Consulting:
We integrate all aspects such as plan design, vendor research and benchmarking, investment fund lineup oversight, employee education and engagement programs to support financial wellness and retirement readiness, and program management. The Dubie Group acts in your best interest by providing strategies that are aligned with your unique investment objectives. Our team's world-class resources seek to deliver beyond traditional consulting to provide a holistic approach to managing your retirement plan.
Your Duty as a Fiduciary:
Recently, it has become more complex managing a Corporate Retirement Plan such as a 401(k), 403(B), or Cash Balance. A number of responsibilities fall upon the plan sponsor –from investment management and fee analysis, to documenting fiduciary processes, to working with the recordkeeper – with the intention of helping their employees prepare for retirement. The Dubie Group promotes plan sponsor engagement and education to help empower you to make confident and informed decisions about your retirement plan now and in the future.
Our Comprehensive Approach:
Our tailored consulting and management of your Corporate Retirement Plan provides an end-to-end process that can be of benefit to the plan sponsor and employees alike including: plan management and risk mitigation, investment management, expense and service provider oversight, and employee engagement through production and delivery of an employee education plan. Our team is positioned to help you review your plan's investment policy statement, select and review investments, evaluate service providers, prepare benchmarking reports and share best practices. Additionally, our robust investment options at Morgan Stanley allow us to work to help improve outcomes for retirement for your employees while helping the business maintain and adhere to industry standards.
- Guide Investment Oversight
- Deliver Stable Value Due Diligence Review and Analysis
- Provide Ongoing Investment Monitoring
- Assist with Investment Selection as ERISA 3(21) Fiduciary and ERISA 3(38) Investment Manager, upon request
- Keep Apprised of Legislative and Regulatory Updates
- Perform Plan Assessment and Review
- Provide Strategic Planning
- Plan Benchmarking
- Select Appropriate Service Provider at Reasonable Cost
- Set Goals to Help Prepare Employees for Retirement
- Help Educate Plan Participants
- Strive to Improve Plan Participation
Investment Selection and Monitoring
Retirement Plan Management and Risk Reduction
Expense Oversight and Management
Employee Education and Engagement
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.
Comprehensive Financial Planning
Regardless of what stage your life is in - moving ahead in your career, enjoying retirement, or somewhere in between - as your Financial Advisor, I can help you achieve your financial goals. Using a suite of tools that includes goal-specific analysis, I can work with you to create a realistic, holistic strategy that integrates the various aspects of your financial life, including your investments and cash management needs. I can create your personal roadmap to help achieve and protect your goals — a framework that makes the connection between your life goals and your financial resources, and provides a baseline for future discussions.
2024 Tax Tables
This helpful resource outlines the 2024 tax rate schedule, education and health savings account limits, retirement contribution and deduction limits, among other information. With tax season seemingly always right around the corner, it's best to be as informed as possible.
Access the 2024 Federal Tax Tables
Manage Debt
We thoroughly review your mortgage, car loans, credit cards, and any other debts that you may have in order to help determine where you can save on interest and create a timeline for your debt payments by prioritizing which ones should be paid off first.
Insurance
We take an extremely close look at your financial profile to decipher what type(s) of insurance most fit your needs, and determine if your current insurance policies are appropriate for you and your goals.
Retirement
Leading up to and through retirement, we help you identify the most appropriate ways to obtain the income you need and help ensure that you are on track to achieve for financial goals.
Estate Planning Strategies
Regardless of your current financial circumstances, it is crucial to have a backup plan for your money. We regularly review your finances with you and coordinate with your estate attorney to help ensure that your wishes are met in the most efficient and cost-effective way possible.
Managing Investments
We take care of your retirement accounts and other investments based on your comfort level with risk and your current tax circumstances, tailoring your financial strategy to your unique situation, needs, and goals.
Valuable Tools, Resources, and Information
We believe financial education leads to better insights into our investment strategy and discipline, and ultimately, better long-term decisions. As a result, we are committed to providing you with important information about managing your wealth more effectively in today's global markets. We have assembled the following resources that reinforce the fundamental investment strategies and concepts of our practice. We've provided links to these materials, where available, and hope you'll return often to learn more about the topics that impact your overall wealth.
Morgan Stanley Online (MSO)
Your investments and everyday finances are always just a few clicks away with Morgan Stanley Online (MSO) and the Morgan Stanley mobile app! Access your finances and invest in an instant with the help of this handy resource that is available 24/7.
Learn More About MSO
Total Wealth View
Complete your financial picture with Total Wealth View. By linking your account information, you will benefit from more informed wealth planning, more secure data access, and convenient connectivity.
Learn More About Total Wealth View
Portfolio Risk Platform
Morgan Stanley's Portfolio Risk Platform is powered by BlackRock's Aladdin risk engine, a state-of-the-art, innovative risk engine used by several of the world’s largest institutional asset managers, providing you with comprehensive risk analytics and a sophisticated view of the risk/return dichotomy across your financial portfolios. This helpful tool can assist you in making educated investment decisions with increased confidence.
Learn More About The Portfolio Risk Platform
eDelivery
eDelivery provides you with the ability to view statements and other Firm documents electronically in lieu of paper. Clients who are registered in Morgan Stanley Online may enroll in eDelivery.
Digital Vault
Keeping important documents and financial records organized and readily available is one of the best gifts you can give those you love. In the event of catastrophe or serious illness, disability or death, your Family Records Organizer can immediately provide vital, timely information to both your family and professional advisors.
Digital Vault
Online Security Center
Safeguarding your assets and personal information is paramount to us. Learn about our extensive security measures and take advantage of our numerous resources and ideas that are geared towards helping you stay protected on the World Wide Web.
Access The Online Security Center
Cybercrime Preparedness
Was your email hacked? Your Social Security Number stolen? Do you know how to respond? Learn the steps to take if and when your identity, account, device or information is compromised.
Learn More
Retirement Terminology with The Dubie Group at Morgan Stanley
The Dubie Group at Morgan Stanley shares practical knowledge from their years in Wealth Management, to help you become a better investor.
Watch HereLocation
105 West View Rd
5th Fl
Colchester, VT 05446
US
Direct:
(802) 658-2424(802) 658-2424
Toll-Free:
(800) 446-0193(800) 446-0193
Meet The Dubie Group
Christopher Dubie, CRPS®
Financial Advisor, Corporate Retirement Director, Financial Wellness Director
Phone:
(802) 652-6069(802) 652-6069
Katie Bensel
Wealth Management Associate
Phone:
(802) 652-6027(802) 652-6027
Cammie Burkart
Client Service Associate
Phone:
(802) 652-6006(802) 652-6006
Whitney Durivage
Client Service Associate
Phone:
(802) 652-6030(802) 652-6030
About Julie Braun
Julie Braun is a Senior Vice President, Financial advisor, Financial Planning Specialist, and Chartered Retirement plan Specialist, CRPS®. Julie has been working with individuals and corporate retirement plans since 2007 after receiving a degree in Business Administration from Saint Michael's College and working for a local Third Party Administrator.
Julie's roles include client reviews, benchmarking studies, and helping plans mitigate their fiduciary responsibility. Julie is most passionate about educating retirement plan participants and financial wellness/literacy for all.
Julie has contributed to both Napa Net and Plan Advisor magazines on retirement plans. Julie has spoken at various industry conferences and has also been honored by the National Association of Plan Advisors as a 2021 Top Women Advisor and an Ace in 2020 (top advisors under the age of 40).
Julie lives in South Burlington Vermont with her husband, two kids, and yorkie named Steve. As a heart attack survivor, she has volunteered with the American Heart association including co-chairing the Go Red for Women event for three years. She is a dual citizen of Poland and speaks Polish. Julie loves cooking, wine, travel and reading.
2015, 2016, 2017, 2018, 2019, 2020, 2021, 2022, 2023, 2024 NAPA's Top Women Advisors
Source: Source: napa-net.org (Awarded 2015, 2016, 2017, 2018, 2019, 2020, 2021, 2022, 2023, 2024) Data compiled by NAPA during the period from Aug of the year prior to the award – Aug of the year the award was given.
2019, 2020, 2021, 2022, 2023, 2024 NAPA's Top DC Advisor Teams
Source: Source: napa-net.org (Awarded 2019, 2020, 2021, 2022, 2023, 2024) Data compiled by NAPA based on self-reported assets under advisement as of Dec 31 of the year prior to year the award was given.
2021 NAPA's Top Retirement Plan Advisors Under 40 (Aces) (previously referred to as NAPA's Top Retirement Plan Advisors Under 40 (Young Guns))
Source: Source: napa-net.org (Awarded 2021) Data compiled by NAPA from Aug of the year prior to the award – Aug of the year the award was given.
2015-2020 NAPA's Top Retirement Plan Advisors Under 40 (Young Guns)
Source: Source: napa-net.org (Awarded 2015 - 2020) Data compiled by NAPA from Aug of the year prior to the award – Aug of the year the award was given.
Awarded 2020; data 08/2019 – 08/2020
Awarded 2019; data 08/2018 – 08/2019
Awarded 2018; data 08/2017 – 08/2018
Awarded 2017; data 08/2016 – 08/2017
Awarded 2016; data 08/2015 – 08/2016
Awarded 2015; data 08/2014 – 08/2015
Julie's roles include client reviews, benchmarking studies, and helping plans mitigate their fiduciary responsibility. Julie is most passionate about educating retirement plan participants and financial wellness/literacy for all.
Julie has contributed to both Napa Net and Plan Advisor magazines on retirement plans. Julie has spoken at various industry conferences and has also been honored by the National Association of Plan Advisors as a 2021 Top Women Advisor and an Ace in 2020 (top advisors under the age of 40).
Julie lives in South Burlington Vermont with her husband, two kids, and yorkie named Steve. As a heart attack survivor, she has volunteered with the American Heart association including co-chairing the Go Red for Women event for three years. She is a dual citizen of Poland and speaks Polish. Julie loves cooking, wine, travel and reading.
2015, 2016, 2017, 2018, 2019, 2020, 2021, 2022, 2023, 2024 NAPA's Top Women Advisors
Source: Source: napa-net.org (Awarded 2015, 2016, 2017, 2018, 2019, 2020, 2021, 2022, 2023, 2024) Data compiled by NAPA during the period from Aug of the year prior to the award – Aug of the year the award was given.
2019, 2020, 2021, 2022, 2023, 2024 NAPA's Top DC Advisor Teams
Source: Source: napa-net.org (Awarded 2019, 2020, 2021, 2022, 2023, 2024) Data compiled by NAPA based on self-reported assets under advisement as of Dec 31 of the year prior to year the award was given.
2021 NAPA's Top Retirement Plan Advisors Under 40 (Aces) (previously referred to as NAPA's Top Retirement Plan Advisors Under 40 (Young Guns))
Source: Source: napa-net.org (Awarded 2021) Data compiled by NAPA from Aug of the year prior to the award – Aug of the year the award was given.
2015-2020 NAPA's Top Retirement Plan Advisors Under 40 (Young Guns)
Source: Source: napa-net.org (Awarded 2015 - 2020) Data compiled by NAPA from Aug of the year prior to the award – Aug of the year the award was given.
Awarded 2020; data 08/2019 – 08/2020
Awarded 2019; data 08/2018 – 08/2019
Awarded 2018; data 08/2017 – 08/2018
Awarded 2017; data 08/2016 – 08/2017
Awarded 2016; data 08/2015 – 08/2016
Awarded 2015; data 08/2014 – 08/2015
Securities Agent: CA, TX, NH, NC, OR, VT, NJ, FL, VA, MA, AZ, PA, NY, MN, AL, VI, SC, CT, DE, CO, WI, ME, MD, LA, IL, WY, GA; General Securities Representative; Investment Advisor Representative
NMLS#: 1383176
NMLS#: 1383176
About Christopher Dubie
Christopher is an Institutional Consulting Director, Executive Director, Financial Advisor, and Chartered Retirement Plan Specialist, CRPS®. Chris has been working with individuals and plan sponsors since he joined Morgan Stanley in 1997. Chris focuses on assisting corporate retirement plan sponsors and executives with financial planning and their investment needs.
As a noteworthy leader in the retirement plan space, Chris has spoken at various industry conferences. Chris was named to Forbes Magazine’s list of America’s Best-in-State Wealth Advisors in 2018-2024 and named to the Financial Times Top 401 Retirement Plan Advisors in 2015-2020.
Chris lives in South Burlington, VT with his wife Sara and their dog, Marley. Chris has recently taken up sport shooting, enjoys biking, travel and food & wine. One of his favorite places to go is South Carolina.
Securities Agent: DE, AZ, MD, MA, IL, MI, NC, SC, PA, TX, VA, WI, VI, OR, CO, GA, FL, IN, CA, ME, VT, TN, OH, NY, NJ, NH, MN, ID, CT, AL; BM/Supervisor; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 176126
2018, 2019, 2020, 2021, 2022, 2023, 2024 Forbes Best-In- State Wealth Advisors
Source: Forbes.com (Awarded 2018, 2019, 2020, 2021, 2022, 2023, 2024). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
2019, 2020, 2021, 2022, 2023, 2024 NAPA's Top DC Advisor Teams
Source: Source: napa-net.org (Awarded 2019, 2020, 2021, 2022, 2023, 2024) Data compiled by NAPA based on self-reported assets under advisement as of Dec 31 of the year prior to year the award was given.
2015, 2016, 2017, 2018, 2019, 2020 Financial Times 401 Top Retirement Advisors
Source: ft.com. Data compiled by the Financial Times based the following time periods:
Awarded 2020; data 12/31/16 - 12/31/19
Awarded 2019; data 12/31/15 - 12/31/18
Awarded 2018; data 12/31/15 - 12/31/17
Awarded 2017; data 12/31/14 - 12/31/16
Awarded 2016; data 12/31/13 - 12/31/15
Awarded 2015; data 9/30/13 -9/30/14
2024 Barron's Top 1,200 Financial Advisors: State-by-State (formerly referred to as Barron's Top 1,000 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.
As a noteworthy leader in the retirement plan space, Chris has spoken at various industry conferences. Chris was named to Forbes Magazine’s list of America’s Best-in-State Wealth Advisors in 2018-2024 and named to the Financial Times Top 401 Retirement Plan Advisors in 2015-2020.
Chris lives in South Burlington, VT with his wife Sara and their dog, Marley. Chris has recently taken up sport shooting, enjoys biking, travel and food & wine. One of his favorite places to go is South Carolina.
Securities Agent: DE, AZ, MD, MA, IL, MI, NC, SC, PA, TX, VA, WI, VI, OR, CO, GA, FL, IN, CA, ME, VT, TN, OH, NY, NJ, NH, MN, ID, CT, AL; BM/Supervisor; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 176126
2018, 2019, 2020, 2021, 2022, 2023, 2024 Forbes Best-In- State Wealth Advisors
Source: Forbes.com (Awarded 2018, 2019, 2020, 2021, 2022, 2023, 2024). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
2019, 2020, 2021, 2022, 2023, 2024 NAPA's Top DC Advisor Teams
Source: Source: napa-net.org (Awarded 2019, 2020, 2021, 2022, 2023, 2024) Data compiled by NAPA based on self-reported assets under advisement as of Dec 31 of the year prior to year the award was given.
2015, 2016, 2017, 2018, 2019, 2020 Financial Times 401 Top Retirement Advisors
Source: ft.com. Data compiled by the Financial Times based the following time periods:
Awarded 2020; data 12/31/16 - 12/31/19
Awarded 2019; data 12/31/15 - 12/31/18
Awarded 2018; data 12/31/15 - 12/31/17
Awarded 2017; data 12/31/14 - 12/31/16
Awarded 2016; data 12/31/13 - 12/31/15
Awarded 2015; data 9/30/13 -9/30/14
2024 Barron's Top 1,200 Financial Advisors: State-by-State (formerly referred to as Barron's Top 1,000 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.
Securities Agent: CO, ID, VI, NH, LA, IN, FL, SC, MA, DE, WY, VA, MD, DC, AZ, OH, MN, TX, TN, NJ, IL, GA, CT, WI, VT, PA, NY, ME, CA, AL, OR, NC, MI; BM/Supervisor; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 176126
NMLS#: 176126
About Katie Bensel
Katie Bensel is a Wealth Management Associate with The Dubie Group at Morgan Stanley. Katie joined the Wealth Management world in 2019 working with individuals and corporate retirement plans after several years in higher education and student affairs.
Katie is focused on helping individuals reach their retirement and financial goals through education and financial wellness. Katie received her master’s degree in psychology from Villanova University and is passionate about harnessing the power of behavioral finance to help individuals establish strong saving and investing habits to achieve their financial goals. With her background in psychology, Katie understands how emotions can impact important financial and investment decisions throughout our life and how to approach investing while managing those emotions.
Katie lives in Essex, VT with her husband Brandon and their two cats, Whisper and Elbert. Katie takes an active role in her community through her membership and volunteer efforts with the Junior League of Champlain Valley. In her spare time, she enjoys running, reading, and learning about wine.
Katie is focused on helping individuals reach their retirement and financial goals through education and financial wellness. Katie received her master’s degree in psychology from Villanova University and is passionate about harnessing the power of behavioral finance to help individuals establish strong saving and investing habits to achieve their financial goals. With her background in psychology, Katie understands how emotions can impact important financial and investment decisions throughout our life and how to approach investing while managing those emotions.
Katie lives in Essex, VT with her husband Brandon and their two cats, Whisper and Elbert. Katie takes an active role in her community through her membership and volunteer efforts with the Junior League of Champlain Valley. In her spare time, she enjoys running, reading, and learning about wine.
Contact Julie Braun
Contact Christopher Dubie
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
Are You Prepared for Tax Day?
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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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Mosaic
Explore ideas and inspiration with captivating, original lifestyle stories created exclusively for Morgan Stanley clients.
A Change of Greenery
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Retirement for Plan Sponsors
End-to-End Services, Made Simple:
We can provide the tools and guidance to help you manage a retirement plan.
We can provide the tools and guidance to help you manage a retirement plan.
- Plan Evaluation
- Investment Management
- Plan Management Support
- Plan Participant Education
State of the Workplace Study 2023
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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 Dubie Group today.
1Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
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 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, charitable giving, philanthropic 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 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.
7When 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.
8Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
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
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 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, charitable giving, philanthropic 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 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.
7When 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.
8Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
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)
