Thomas E Hill
Managing Director, Wealth Management, Financial Advisor, Wealth Advisory Specialist
Phone:
(410) 770-6124(410) 770-6124
The Easton Group at Morgan Stanley
Thomas E HillBradley V HillStephanie L SaundersJames A Malena, CFP®Ronald Flohr, CFP®, QPFCKate E KrausSemene Gilden, CFP®, CRPC®, ChFC®
Direct:
(410) 822-3400(410) 822-3400
Our Mission Statement
Brad Hill is currently ranked by Barron's & Forbes as a top Financial Advisor in Maryland. Tom Hill and Stephanie Saunders are ranked by Forbes as Top Financial Advisors in Maryland.
We believe in and deliver advanced wealth management made simple.
We believe in and deliver advanced wealth management made simple.
Our Story
Wealth Management has never been more complicated – there are more investment choices than ever, more events and life stages to plan for, more complexity from taxes, estate planning, family dynamics and many other questions. But for most people, the questions are more basic – will I make it through the retirement I envision? Can I send the coming generations to college? How do I make an impact on an organization I believe in? These people care about what they can DO with their money, how it can serve their life goals and ambitions – they have neither the time nor the desire to deal with the byzantine world of investments, financial planning and daily wealth management.
At the Easton Group at Morgan Stanley, these are the people we serve. Using sophisticated analytics, macroeconomic trend analysis and forecasting, a comprehensive planning process and the thought leadership of Morgan Stanley, our highly credentialed team provides sophisticated wealth management customized to each client’s specific goals. Many of our clients prefer that we manage all this “behind the scenes,” helping simplify their financial lives giving the potential opportunity to spend their time on the things that are important to them. We think of our clients like a family, and cultivate personal working relationships that are honest, proactive and deeply engaged. With a large and multi-skilled wealth management team and nearly $1 billion in assets under management, the Easton Group provides the kind of sophistication and service that our clients expect.
At the Easton Group at Morgan Stanley, these are the people we serve. Using sophisticated analytics, macroeconomic trend analysis and forecasting, a comprehensive planning process and the thought leadership of Morgan Stanley, our highly credentialed team provides sophisticated wealth management customized to each client’s specific goals. Many of our clients prefer that we manage all this “behind the scenes,” helping simplify their financial lives giving the potential opportunity to spend their time on the things that are important to them. We think of our clients like a family, and cultivate personal working relationships that are honest, proactive and deeply engaged. With a large and multi-skilled wealth management team and nearly $1 billion in assets under management, the Easton Group provides the kind of sophistication and service that our clients expect.
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Sophisticated wealth management
At the Easton Group at Morgan Stanley, we leverage sophisticated thinking and innovative tactics to help our clients reach their goals. While the strategies and solutions we provide are broad in scope, our approach is tailored to specific needs. We deliver the personalized attention you expect, as we build a structured plan focused on achieving your financial and legacy goals. Here is a brief overview of the solutions we offer:
Monthly Newsletter
Missed our most recent monthly newsletter? Click the link below to see this month's newsletter crafted for our clients.
Click here to access our latest newsletter!
A Different Approach to Retirement
One often hears the phrase “planning for retirement.” But retirement is not a single event – it might extend several decades. Our retirement plans are divided into three stages: Early Stages, Mid-Retirement, Later Stages. Each reflects how your needs may evolve, so you are positioned to live the retirement you want.
Retirement Expenses Worksheet
A Proven Planning Process
Our process at The Easton Group is the result of many years of experience. Nothing is more important that the first step, which we call “Discovery.” We take the time to get to know you – your goals, your passions, your family, your feelings about risk, how and when you’d like to be contacted. We will help identify and articulate your goals, which is essential to crafting your plan.
Plan For Your Future
Women and Wealth
The Easton Group is proud to work closely with our many female clients. Women are a powerful economic force, controlling nearly $11 trillion in assets in the U.S. They also represent almost half of the workforce. Women also face unique financial challenges, and the many roles they play influence the financial obligations they have for themselves and their families.
Check Out The Factsheet
Family Governance and Legacy Planning
Particularly in the case of an ultra high net worth family engaged in a common enterprise, such as running a family business, operating a family office, or simply investing together as a family, it's extremely important to have a sound framework within which to make decisions - in other words, a family governance system.
Family Governance Factsheet
Charitable Giving
Morgan Stanley Global Impact Funding Trust, Inc. (Morgan Stanley GIFT) is pleased to take this opportunity to provide you with an overview of some of the common methods that individuals use to make charitable gifts, along with some important tips that you should keep in mind.
Charitable Giving ReviewFocus on your life while we manage your wealth
Our clients lead busy, fulfilling lives. They look to us to provide sophisticated wealth management, as well as to simplify their financial decision making. We have structured our practice to serve both goals. For example:
Identify blind spots
Like a balance sheet has both assets and liabilities, a well-designed financial plan describes how to both PURSUE your goals, and protect against anything that might PREVENT you from reaching them. For example, a serious health issue, the loss of a spouse or a long-term market correction. We refer to these “Blind Spots,” and build contingencies against them into your plan.
Create financial checkpoints
Your financial plan is not a static document – it evolves as circumstances dictate. That’s why we create “financial checkpoints” – specific sign posts with action items built into the plan.
Provide comprehensive recommendations
Every decision involving money affects the next one, and the one after that. That’s why clients seek our counsel for every financial decision. We can both provide thoughtful and ensure that each decision adheres to your overall strategy.
Commitment to client education
Our clients count on us to simplify their wealth management … but they don’t want a “black box” – they want to fully understand the strategy and tactics. This kind of collaborative approach builds and sustains a close, long-term relationship, and we are committed to sharing our knowledge and expertise with you (and your family).
Modern Wealth Tools
Our goal is simple: “To be the firm with some of the most talented advisors in the industry leverage cutting-edge technology and deliver customized wealth management solutions to their clients and their families to help them to achieve their life goals.” The Firm strives to ensure it serves clients on its technology platforms that are resilient, safe, efficient, smart, fast and flexible.
Morgan Stanley Online
Morgan Stanley Online (MSO) has a variety of features beyond viewing your account balance and activity that you should take advantage of. They include:
• Total Wealth View – Access streamlined views of your assets and liabilities, including mortgage information, aggregated from all of your financial institutions
• Current Financial News – access up-to-date news, current market data, research, company profiles, and quotes
• Access Import Documents – sign up for digital access to all of your financial documents
• Manage Everyday Finances – mobile check deposit, online bill pay, send money with Zelle, and e-authorizations
To learn more and log in, click here• Total Wealth View – Access streamlined views of your assets and liabilities, including mortgage information, aggregated from all of your financial institutions
• Current Financial News – access up-to-date news, current market data, research, company profiles, and quotes
• Access Import Documents – sign up for digital access to all of your financial documents
• Manage Everyday Finances – mobile check deposit, online bill pay, send money with Zelle, and e-authorizations
Online Security Center
Protecting your online security is our top priority at Morgan Stanley. We proactively defend our systems and monitor the threat landscape to help anticipate issues before they arise and respond appropriately when they do. We also provide advice and best practices to safeguard your personal information external of the firm as well. To learn more about the measures we take in the face of a constantly evolving cyber threat landscape and how you can better protect yourself, please visit our new Online Security Center.
Online Security Center
Total Wealth View
It’s hard to see the complete picture with only half the details. As a Morgan Stanley client, you
can now conveniently view your accounts from other financial institutions on Morgan Stanley
Online or by using the Morgan Stanley Mobile App, giving you a more complete financial picture.
To learn more, click herecan now conveniently view your accounts from other financial institutions on Morgan Stanley
Online or by using the Morgan Stanley Mobile App, giving you a more complete financial picture.
Digital Vault
The Digital Vault on Morgan Stanley Online and the Mobile App allows you to build a central, shared document library where all documents are stored using encryption.
To learn more, watch this video
Morgan Stanley Mobile App
Access your account wherever, whenever using the Morgan Stanley Mobile App. It gives you the same capabilities as Morgan Stanley Online from the convenience of your phone.
To learn more about mobile capabilities and how to get the app, click here
E-Delivery
Morgan Stanley Online has a variety of features that can enhance your digital experience and provide a deeper level of security. One of those tools, eDelivery, allows you to securely save, print, send, and receive documents at any time from both Morgan Stanley Online and the Morgan Stanley Mobile App.
To learn more, click here
E-Authorization
With E-Authorization, you no longer need to sign a paper Letter of Authorization (LOA) to authorize a wire transfer request.
To sign up for E-Authorization, log into MSO
E-Sign
E-Sign is a digital, paperless alternative to the traditional means of obtaining signatures from clients on paperwork. There is no registration process for you to begin using E-Sign - all you need is a valid email address and phone number.
Click here to learn how to sign upLocation
28601 Marlboro Ave
Ste 201
Easton, MD 21601
US
Direct:
(410) 822-3400(410) 822-3400
Meet The Easton Group
Bradley V Hill
Managing Director, Wealth Management, Financial Advisor
Phone:
(410) 770-6125(410) 770-6125
Stephanie L Saunders
Senior Vice President, Wealth Management, Financial Advisor, Senior Investment Management Specialist
Phone:
(410) 770-6126(410) 770-6126
James A Malena, CFP®
Senior Vice President, Wealth Management, Financial Advisor, Senior Investment Management Consultant, Insurance Planning Director
Phone:
(410) 770-6127(410) 770-6127
Ronald Flohr, CFP®, QPFC
Financial Advisor
Phone:
(410) 770-6138(410) 770-6138
Kate E Kraus
Financial Advisor, Financial Planning Specialist
Phone:
(410) 770-6139(410) 770-6139
Semene Gilden, CFP®, CRPC®, ChFC®
Vice President, Financial Advisor
Phone:
(410) 770-6149(410) 770-6149
Theresa Durnbaugh
Senior Registered Associate
Phone:
(410) 770-6131(410) 770-6131
Felicia Kemp
Client Service Associate
Phone:
(410) 770-6132(410) 770-6132
Izabele Lomax
Client Service Associate
Phone:
(410) 770-6143(410) 770-6143
Caroline Willems
Registered Client Service Associate
Phone:
(410) 770-6168(410) 770-6168
About Thomas E Hill
Since 1967, Tom Hill has worked with clients to help them define and achieve their financial goals. When he founded the Easton Group (formerly the Hill Group), his vision was to offer clients a deep and highly credentialed team of multi-skilled professionals who share his dedication to quality, excellent service and integrity.
Tom has provided a steady hand and thoughtful advice through numerous market cycles and economic conditions. He feels privileged to have built many long-term, multi-generational relationships that affirm his commitment to making a difference for his clients. Tom is a graduate of the University of Richmond. Among his professional recognitions, Tom was named one of Barron’s Top Financial Advisors five times, and in 2017, he was the only advisor in the area selected by Forbes Magazine as one of America’s Top 250 Wealth Advisors. Recently, Tom was recognized in Forbes as one of the Top Financial Advisors in Maryland in 2020. He was also one of just 30 Financial Advisors nationwide featured in the inaugural edition of R.J. Shook’s “The Winners’ Circle.”
A leading citizen in our community for many years, Tom was honored by the Comptroller of Maryland with the William Donald Schaefer Helping People Award in 2012. He was also recognized with the Morgan Stanley Community Leadership Award in 2011. Among many community service initiatives, Tom led a $5 million capital campaign for the Talbot County YMCA. He is grateful for his affiliations with the Talbot County United Fund, Character Counts, Habitat for Humanity and many other causes. He and his wife Cathy live in Easton and enjoy spending time with their grown children Brad and Jennifer, and their families.
"Forbes America's Top Wealth Advisors
Source: Forbes.com (Awarded Sept 2017) Data compiled by SHOOK Research LLC based on time period from 6/30/16 - 6/30/17.
"
Barron's Top 1,200 Financial Advisors: State-by-State
Source: Barron's.com (Awarded Mar 2022) Data compiled by Barron's based on time period from Sept 2020 - Sept 2021.
Tom has provided a steady hand and thoughtful advice through numerous market cycles and economic conditions. He feels privileged to have built many long-term, multi-generational relationships that affirm his commitment to making a difference for his clients. Tom is a graduate of the University of Richmond. Among his professional recognitions, Tom was named one of Barron’s Top Financial Advisors five times, and in 2017, he was the only advisor in the area selected by Forbes Magazine as one of America’s Top 250 Wealth Advisors. Recently, Tom was recognized in Forbes as one of the Top Financial Advisors in Maryland in 2020. He was also one of just 30 Financial Advisors nationwide featured in the inaugural edition of R.J. Shook’s “The Winners’ Circle.”
A leading citizen in our community for many years, Tom was honored by the Comptroller of Maryland with the William Donald Schaefer Helping People Award in 2012. He was also recognized with the Morgan Stanley Community Leadership Award in 2011. Among many community service initiatives, Tom led a $5 million capital campaign for the Talbot County YMCA. He is grateful for his affiliations with the Talbot County United Fund, Character Counts, Habitat for Humanity and many other causes. He and his wife Cathy live in Easton and enjoy spending time with their grown children Brad and Jennifer, and their families.
"Forbes America's Top Wealth Advisors
Source: Forbes.com (Awarded Sept 2017) Data compiled by SHOOK Research LLC based on time period from 6/30/16 - 6/30/17.
"
Barron's Top 1,200 Financial Advisors: State-by-State
Source: Barron's.com (Awarded Mar 2022) Data compiled by Barron's based on time period from Sept 2020 - Sept 2021.
Securities Agent: OH, RI, WY, VA, MA, ID, NH, DE, WV, WA, VT, TX, TN, SC, PA, OR, OK, NY, NM, NJ, NC, MT, MO, MN, MI, ME, MD, LA, KY, IL, HI, GA, FL, DC, CT, CO, CA, AZ, AL, IN; BM/Supervisor; General Securities Representative; Investment Advisor Representative
NMLS#: 1272978
NMLS#: 1272978
About Bradley V Hill
Brad is a partner in the Easton Group (formerly the Hill Group), creating customized wealth management strategies for clients with a particular emphasis on alternative investments and portfolio management. Brad provides sophisticated wealth management for our clients while helping to simplify their increasingly complex financial lives.
Brad has been working with clients to reach their goals since 1996, all with Morgan Stanley. Previously, he was a CPA for a major accounting firm, where he came to appreciate the importance of both sides of each client’s personal balance sheet. He joined his father Tom to form the Easton Group (formerly the Hill Group) in 1997.
Brad graduated cum laude with a B.S in Business Administration/Accounting from the University of Richmond, and later received his Certified Public Accounting accreditation. He is also a Family Wealth Director, an elite distinction earned by fewer than 2% of all Morgan Stanley advisors. His Portfolio Management Director designation is reserved exclusively for advisors who demonstrate excellence in investment management. In 2021 Forbes named him one of the Top Financial Advisors in Maryland.
Like his father, Brad is committed to community service. He is a past director of the Araminta Freedom Initiative, an organization named after Harriet Tubman (Araminta was her given slave name) dedicated to fighting human trafficking in the area. Brad is also a former director of Casa of Talbot and Dorchester Counties, which advocates for children under court protection. Brad is a former director and treasurer of the Talbot County Country Club. He has served as Treasurer of The Country School, and is a past president and treasurer of the Talbot County YMCA. He serves as a director on the board of an organization that is dedicated to supporting the house churches in China. He lives with his wife and three children in Easton.
"Forbes Best-In-State Wealth Advisors
Source: Forbes.com (Awarded Feb 2021) Data compiled by SHOOK Research LLC based on time period from 6/30/19 - 6/30/20.
"
Brad has been working with clients to reach their goals since 1996, all with Morgan Stanley. Previously, he was a CPA for a major accounting firm, where he came to appreciate the importance of both sides of each client’s personal balance sheet. He joined his father Tom to form the Easton Group (formerly the Hill Group) in 1997.
Brad graduated cum laude with a B.S in Business Administration/Accounting from the University of Richmond, and later received his Certified Public Accounting accreditation. He is also a Family Wealth Director, an elite distinction earned by fewer than 2% of all Morgan Stanley advisors. His Portfolio Management Director designation is reserved exclusively for advisors who demonstrate excellence in investment management. In 2021 Forbes named him one of the Top Financial Advisors in Maryland.
Like his father, Brad is committed to community service. He is a past director of the Araminta Freedom Initiative, an organization named after Harriet Tubman (Araminta was her given slave name) dedicated to fighting human trafficking in the area. Brad is also a former director of Casa of Talbot and Dorchester Counties, which advocates for children under court protection. Brad is a former director and treasurer of the Talbot County Country Club. He has served as Treasurer of The Country School, and is a past president and treasurer of the Talbot County YMCA. He serves as a director on the board of an organization that is dedicated to supporting the house churches in China. He lives with his wife and three children in Easton.
"Forbes Best-In-State Wealth Advisors
Source: Forbes.com (Awarded Feb 2021) Data compiled by SHOOK Research LLC based on time period from 6/30/19 - 6/30/20.
"
Securities Agent: WY, AZ, KS, TN, SC, RI, OR, OK, NM, DC, AL, TX, IN, DE, CA, WV, NY, MO, HI, CT, NV, NJ, CO, PA, MN, MI, VA, OH, NH, ME, LA, GA, WA, NC, IL, ID, MT, KY, VT, MD, MA, FL; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1265105
NMLS#: 1265105
About Stephanie L Saunders
Stephanie helps clients navigate through life transitions with personalized strategies and practical solutions. She combines careful listening, extensive knowledge and experience and rigorous analysis to create goal-based financial plans with straightforward action steps.
Stephanie began her financial services career in 1997 and has been with the Easton Group (formerly the Hill Group) since its founding. She is a thought leader among women advisors, and a passionate advocate for women clients and advisors. Stephanie was honored to be selected for the Women’s Leadership Summit, which strives to empower women in their everyday lives. Recently, Stephanie has been recognized by Forbes as one of “America’s Top Women Advisors from 2020 through 2024.” In 2017, she was selected to Working Mother magazine’s inaugural list of “Top Wealth Advisor Moms.”
Stephanie graduated cum laude with a B.S. in Finance from the University of Maryland’s Smith School of Business. She has also earned two prestigious designations – Senior Investment Management Specialist and Senior Portfolio Manager – which demonstrate her ability to integrate the vast resources of Morgan Stanley within her sophisticated wealth management strategies
As a survivor, Stephanie feels blessed to have served on the board of directors for the Maryland Affiliate of Susan G. Komen as she finds joy in offering hope and courage to others. Stephanie enjoys raising her family here on the Eastern Shore of Maryland where she spends time kayaking, reading and being outdoors. She is actively involved in her faith community and believes that “we are blessed so that we can be a blessing to others.”
"Working Mother Magazine & SHOOK Research's Top Wealth Advisor Moms
Source: Workingmother.com (Awarded Oct 2021) Data compiled by SHOOK Research LLC based on time period from 3/31/20 - 3/31/21"
"Forbes America's Top Women Wealth Advisors
Source: Forbes.com (Awarded Mar 2021) Data compiled by SHOOK Research LLC based on time period from 9/30/23 - 9/30/24"
Stephanie began her financial services career in 1997 and has been with the Easton Group (formerly the Hill Group) since its founding. She is a thought leader among women advisors, and a passionate advocate for women clients and advisors. Stephanie was honored to be selected for the Women’s Leadership Summit, which strives to empower women in their everyday lives. Recently, Stephanie has been recognized by Forbes as one of “America’s Top Women Advisors from 2020 through 2024.” In 2017, she was selected to Working Mother magazine’s inaugural list of “Top Wealth Advisor Moms.”
Stephanie graduated cum laude with a B.S. in Finance from the University of Maryland’s Smith School of Business. She has also earned two prestigious designations – Senior Investment Management Specialist and Senior Portfolio Manager – which demonstrate her ability to integrate the vast resources of Morgan Stanley within her sophisticated wealth management strategies
As a survivor, Stephanie feels blessed to have served on the board of directors for the Maryland Affiliate of Susan G. Komen as she finds joy in offering hope and courage to others. Stephanie enjoys raising her family here on the Eastern Shore of Maryland where she spends time kayaking, reading and being outdoors. She is actively involved in her faith community and believes that “we are blessed so that we can be a blessing to others.”
"Working Mother Magazine & SHOOK Research's Top Wealth Advisor Moms
Source: Workingmother.com (Awarded Oct 2021) Data compiled by SHOOK Research LLC based on time period from 3/31/20 - 3/31/21"
"Forbes America's Top Women Wealth Advisors
Source: Forbes.com (Awarded Mar 2021) Data compiled by SHOOK Research LLC based on time period from 9/30/23 - 9/30/24"
Securities Agent: NM, ID, DE, DC, TN, CO, NJ, ME, KY, VA, TX, SC, NY, NC, MT, CA, OR, MI, MA, WV, RI, NV, KS, MD, LA, HI, CT, AZ, AL, VT, PA, MN, IN, GA, WY, MO, IL, FL, WA, OK, OH, NH; General Securities Representative; Investment Advisor Representative
NMLS#: 1274523
NMLS#: 1274523
About James A Malena
Jim works with our clients to make a meaningful impact on their lives and families. With outstanding credentials and experience, he focuses on goal-based financial planning to answer two fundamental questions – “will I make it?” and “do I have any financial blind spots?”
Jim began his career in the financial services industry in 2001 and partnered with the Easton Group (formerly the Hill Group) in 2006, engaging in frank, honest relationships with his clients. During this time, he has seen firsthand how removing the distraction of managing money frees clients to re-discover (and focus on) what is most important to them. As a husband and father of three young children, he understands the challenge of balancing work and life.
Jim earned a B.A. in Business Management from Washington College, which he supplemented with an impressive complement of credentials. He is a CERTIFIED FINANCIAL PLANNER professional, considered the gold standard in the industry. He completed the University of Chicago Booth School’s distinguished Certified Private Wealth Advisor Program, and is also a Certified Private Wealth Advisor. As one of Morgan Stanley’s inaugural Family Wealth Advisors, Jim is one of fewer than 3% of Morgan Stanley advisors specifically focused on multi-generational wealth management.
Jim and his wife live in Severna Park, and are the busy parents of 3 young children, a son and twin girls. Jim serves on the boards of the University of Maryland Foundation’s Planned Gifts Committee and Junior Achievement of the Eastern Shore. He enjoys spending time with his family, exercise, fishing, golf, and the martial art of Brazilian Jiu Jitsu.
Jim began his career in the financial services industry in 2001 and partnered with the Easton Group (formerly the Hill Group) in 2006, engaging in frank, honest relationships with his clients. During this time, he has seen firsthand how removing the distraction of managing money frees clients to re-discover (and focus on) what is most important to them. As a husband and father of three young children, he understands the challenge of balancing work and life.
Jim earned a B.A. in Business Management from Washington College, which he supplemented with an impressive complement of credentials. He is a CERTIFIED FINANCIAL PLANNER professional, considered the gold standard in the industry. He completed the University of Chicago Booth School’s distinguished Certified Private Wealth Advisor Program, and is also a Certified Private Wealth Advisor. As one of Morgan Stanley’s inaugural Family Wealth Advisors, Jim is one of fewer than 3% of Morgan Stanley advisors specifically focused on multi-generational wealth management.
Jim and his wife live in Severna Park, and are the busy parents of 3 young children, a son and twin girls. Jim serves on the boards of the University of Maryland Foundation’s Planned Gifts Committee and Junior Achievement of the Eastern Shore. He enjoys spending time with his family, exercise, fishing, golf, and the martial art of Brazilian Jiu Jitsu.
Securities Agent: CO, NC, WY, VT, VA, SC, OR, AL, ID, NY, NV, MO, IL, PA, IN, CT, RI, MI, TX, MN, MD, MA, FL, DC, AZ, TN, LA, KY, CA, NM, NH, ME, HI, DE, OK, OH, NJ, MT, GA, WV, WA; General Securities Representative; Investment Advisor Representative
NMLS#: 1272857
NMLS#: 1272857
About Ronald Flohr
Ron has more than 20 years of experience in financial services. As a CERTIFIED FINANCIAL PLANNER™, his professional focus is to work with individuals and businesses to identify their financial goals and customize investment and wealth management strategies to achieve them. Ron has professional experience in trust administration and management as well as retirement plans.
Ron is an active community member. He has served as president of the Easton Waterfowl Festival, a past board member of the Easton Rotary Club, the Mid Shore Early Learning Center, a past board member and president of the Talbot Country Club and a past board member and commodore of the Chesapeake Bay Yacht Club.
Ron earned his Bachelor of Science Degree in Business Administration with a concentration in finance from Salisbury University and attended Saints Peter and Paul School. Ron enjoys golfing, fishing and spending time with his family. He and his wife, Meagan, live in Easton with their two daughters.
Ron has a passion for being active in the community he serves, and enjoys spending his time volunteering in a multitude of ways.
Ron is an active community member. He has served as president of the Easton Waterfowl Festival, a past board member of the Easton Rotary Club, the Mid Shore Early Learning Center, a past board member and president of the Talbot Country Club and a past board member and commodore of the Chesapeake Bay Yacht Club.
Ron earned his Bachelor of Science Degree in Business Administration with a concentration in finance from Salisbury University and attended Saints Peter and Paul School. Ron enjoys golfing, fishing and spending time with his family. He and his wife, Meagan, live in Easton with their two daughters.
Ron has a passion for being active in the community he serves, and enjoys spending his time volunteering in a multitude of ways.
Securities Agent: IN, NM, WY, PA, NY, MT, ME, CA, VA, MD, WV, MA, TX, MN, GA, FL, NJ, NC, LA, DC, CO, NV, VT, SC, OK, NH, HI, CT, WA, OH, MO, KY, IL, ID, DE, AL, TN, OR, MI, AZ, RI; General Securities Representative; Investment Advisor Representative
NMLS#: 1412845
NMLS#: 1412845
About Kate E Kraus
Kate has worked in Wealth Management at Morgan Stanley for over a decade. She previously was the Group Director for the Hill Group starting in 2012, which then transformed to the Easton Group in 2019. Kate is now a financial advisor with the Easton Group, who offers clients comprehensive financial planning that encompasses virtually every aspect of their financial lives. Delivering a wholistic approach to managing wealth, Kate starts with listening to a client’s needs and ensuring every strategy is grounded in understanding what each client wants to achieve.
Kate is also a key resource in managing Banking and Lending opportunities for the team overall. Kate earned a B.S. in Finance from Salisbury University, with a concentration in Financial Planning. She later earned her Financial Planning Specialist designation.
Born and raised in Easton, Kate lives there with her husband and 4 children. She is a fan of all sports, particularly the hometown Washington Redskins and Baltimore Orioles. Kate and her family enjoy spending time outdoors and with her large extended family.
Kate is also a key resource in managing Banking and Lending opportunities for the team overall. Kate earned a B.S. in Finance from Salisbury University, with a concentration in Financial Planning. She later earned her Financial Planning Specialist designation.
Born and raised in Easton, Kate lives there with her husband and 4 children. She is a fan of all sports, particularly the hometown Washington Redskins and Baltimore Orioles. Kate and her family enjoy spending time outdoors and with her large extended family.
Securities Agent: VT, OR, MO, MN, MI, ID, KY, GA, FL, DC, AL, TX, SC, HI, DE, OH, NV, NC, MA, IL, CA, AZ, WV, RI, MD, CT, KS, WY, TN, PA, NJ, ME, IN, CO, WA, NM, VA, OK, AK, NY, NH, MT, LA; General Securities Representative; Investment Advisor Representative
NMLS#: 2272351
NMLS#: 2272351
About Semene Gilden
Semene Gilden is a Vice President at Morgan Stanley. With a financial planning focus, she listens to and understands her client’s life priorities. Its not just about markets and returns, its about what matters most to the client and their family. Semene collaborates with her clients, tax and estate advisors to design a customized plan to meet their goals and aspirations.
Semene began her career in the financial services industry in 1995. She has expansive experience helping clients with every aspect of their financial picture.
Semene earned a B.A. in Economics from University of Maryland, Baltimore County (UMBC), which she supplemented with an impressive complement of credentials. She is a CERTIFIED FINANCIAL PLANNER professional, considered the gold standard in the industry. She completed the American College of Financial Services program and earned the Chartered Financial Consultant designation and the College for Financial Planning program to earn the Chartered Retirement Planning Counselor.
Semene and her fiancé live in Centreville (MD) and are the parents of a blended family with 4 sons, one daughter, one grandson, and a golden doodle. Semene is the President of the Centreville Rotary Club and serves on the University of Maryland Medical System, Shore Regional Health’s Council of Advisors. She enjoys spending time with her family, exercising, yoga, cooking, and making a difference in her community.
Semene began her career in the financial services industry in 1995. She has expansive experience helping clients with every aspect of their financial picture.
Semene earned a B.A. in Economics from University of Maryland, Baltimore County (UMBC), which she supplemented with an impressive complement of credentials. She is a CERTIFIED FINANCIAL PLANNER professional, considered the gold standard in the industry. She completed the American College of Financial Services program and earned the Chartered Financial Consultant designation and the College for Financial Planning program to earn the Chartered Retirement Planning Counselor.
Semene and her fiancé live in Centreville (MD) and are the parents of a blended family with 4 sons, one daughter, one grandson, and a golden doodle. Semene is the President of the Centreville Rotary Club and serves on the University of Maryland Medical System, Shore Regional Health’s Council of Advisors. She enjoys spending time with her family, exercising, yoga, cooking, and making a difference in her community.
Securities Agent: OK, MD, LA, GA, CT, VT, MT, KY, DC, PA, MI, AL, NY, NC, IN, HI, WY, WA, OR, MA, IL, NJ, MN, DE, WV, TX, OH, NV, MO, CA, VA, ID, AZ, FL, CO, TN, SC, RI, NM, NH, ME; General Securities Representative; Investment Advisor Representative
NMLS#: 652336
NMLS#: 652336
About Theresa Durnbaugh
Theresa is responsible for getting our new clients up and running. She handles all onboarding functions, such as IRA rollovers and new account set up, while also assisting with client meetings.
Theresa has worked in financial services since 2001, in a variety of roles, and joined the Hill Group in 2018. She started in the mutual fund department at Legg Mason and later served as a regulatory analyst. This diverse background underscores her knowledge and attention to detail with the Group.
Theresa was a Communications major at the University of Dayton. She lives in Centreville with her husband and two children, enjoying a busy family life of sports, activities and travel. Theresa also enjoys volunteering, scrapbooking and learning about wine.
Theresa has worked in financial services since 2001, in a variety of roles, and joined the Hill Group in 2018. She started in the mutual fund department at Legg Mason and later served as a regulatory analyst. This diverse background underscores her knowledge and attention to detail with the Group.
Theresa was a Communications major at the University of Dayton. She lives in Centreville with her husband and two children, enjoying a busy family life of sports, activities and travel. Theresa also enjoys volunteering, scrapbooking and learning about wine.
About Felicia Kemp
Felicia began her career with The Easton Group in April of 2022. Felicia is responsible for ensuring highest level of service for clients. She supports the team with day-to-day operations, as well as managing client requests and inquiries.
Earlier in her career, she held positions in the mortgage and banking industry, having worked for PNC Bank and First Home Mortgage. She graduated from Salisbury University with a B.A. in Psychology and is currently obtaining her Masters in Business Administration from Columbia Southern University. She played basketball, volleyball, and soccer in high school, and went on to play volleyball at the collegiate level.
Felicia is passionate about helping others. She enjoys traveling, boating with her Husband, Greg, spending time with family and friends, going to the gym, exploring the outdoors, and experimenting in the kitchen with healthy and nutritious recipes.
Earlier in her career, she held positions in the mortgage and banking industry, having worked for PNC Bank and First Home Mortgage. She graduated from Salisbury University with a B.A. in Psychology and is currently obtaining her Masters in Business Administration from Columbia Southern University. She played basketball, volleyball, and soccer in high school, and went on to play volleyball at the collegiate level.
Felicia is passionate about helping others. She enjoys traveling, boating with her Husband, Greg, spending time with family and friends, going to the gym, exploring the outdoors, and experimenting in the kitchen with healthy and nutritious recipes.
About Izabele Lomax
Izabele recently joined the Easton Group as a Client Service Associate. She supports the team by managing and coordinating meetings and events, being the first on the phones to assist clients with various requests, and being a liaison between our clients, advisors, and support staff.
Izabele was born and raised in Easton, Maryland. She still lives in town with her Fiancé Mason, their son Baker, and their Boxer dog, Hank. In her free time, she enjoys going to go to the beach, the gym, and anywhere that sells an iced coffee.
Izabele was born and raised in Easton, Maryland. She still lives in town with her Fiancé Mason, their son Baker, and their Boxer dog, Hank. In her free time, she enjoys going to go to the beach, the gym, and anywhere that sells an iced coffee.
About Caroline Willems
Caroline is an experienced Registered Client Service Associate and joined The Easton Group at Morgan Stanley in November of 2024. Caroline has been in the industry since 2022 and completed her licenses at the beginning of 2024. Her goal is to constantly provide client service of excellence and contribute with the Team's success. She recently moved to Stevensville MD with her family and is loving the Eastern Shore. In her free time, Caroline loves spending time with her family and friends, also traveling, hiking, and camping with her husband Harry, stepdaughter Kylie and their dog, Sedona. Caroline has a B.A. in Nutrition and worked in the Health Care industry in her home country, Brazil.
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Hear From Our Clients
The Easton Group has been handling my portfolio for over 20 years. There are positions to maintain a philosophy of investing in solid financial companies both Domestically and Internationally. They are strong communicators and have a personalized approach to investments. The partners and staff are personally involved with the clients, and we enjoy compelling returns in past years and there is no other firm that I am most comfortable with.
George
Verified ClientDecember 15, 2024
I was fortunate to have found Mr. James A. Malena as my financial advisor. First and foremost he shares my investment philosophy and values, and is tuned in to my level of risk tolerance. He has been of enormous help in my transition to retirement, helping me create a sustainable financial plan. Best of all, I count him as a friend and trusted advisor. We have come to know each other and each other's families over the years.
Eva
Verified ClientDecember 11, 2024
Testimonial(s) solicited by Morgan Stanley and provided by current client(s) at the time of publication. No compensation of any kind was provided in exchange for the client testimonial(s) presented. Client testimonials may not be representative of the experience of other clients and are not a guarantee of future performance or success.
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The Power of Partnerships
By partnering with experienced individuals across wealth disciplines, Morgan Stanley Financial Advisors can align specialized resources with your custom needs and deliver strategic guidance through the familiarity and trust of existing relationships
Jill Toomey, CFP®
Financial Planning Director, Vice President
Olivia Jack
Planning Associate
About Jill Toomey
Jill Toomey, CFP® is a Vice President and Financial Planning Director serving Morgan Stanley’s Wealth Management and Private Wealth Management offices in the Washington D.C. Market. Jill is responsible for helping Financial Advisors’ clients and prospects with their financial planning needs.
Jill began her career in financial services in 2013 and joined Morgan Stanley in 2016. Prior to her current position, Jill served as a Financial Advisor and as the Southeast Region Planning Solutions Specialist covering the states of GA, FL, AL, KY, TN, and WV.
Jill received her bachelor’s degree in mathematics from the University of Delaware and holds her Certified Financial Planner® designation, which is the standard of excellence in financial planning. Jill currently resides in Alpharetta, GA.
Jill began her career in financial services in 2013 and joined Morgan Stanley in 2016. Prior to her current position, Jill served as a Financial Advisor and as the Southeast Region Planning Solutions Specialist covering the states of GA, FL, AL, KY, TN, and WV.
Jill received her bachelor’s degree in mathematics from the University of Delaware and holds her Certified Financial Planner® designation, which is the standard of excellence in financial planning. Jill currently resides in Alpharetta, GA.
About Olivia Jack
Olivia Jack
Olivia Jack is a Planning Associate at Morgan Stanley providing dedicated financial planning support to Financial Advisors and their teams. Operating as an extension of the FA/Team, she collaborates with clients to discover and define the goals that matter most to them. Leveraging state of the art technology, she will evaluate various options and their potential outcomes to help clients confidently choose the appropriate course of action. Olivia provides expertise across a wide suite of Morgan Stanley planning tools designed to assist in the areas of investment accumulation, retirement, education, major purchase, cash flow, risk management, tax efficiency, and wealth transfer planning.
She earned her undergraduate and graduate degree from Pennsylvania State University and received the Financial Planning Specialist® designation from the College for Financial Planning. Olivia is originally from New York and currently resides in Atlanta, Georgia.
Olivia Jack is a Planning Associate at Morgan Stanley providing dedicated financial planning support to Financial Advisors and their teams. Operating as an extension of the FA/Team, she collaborates with clients to discover and define the goals that matter most to them. Leveraging state of the art technology, she will evaluate various options and their potential outcomes to help clients confidently choose the appropriate course of action. Olivia provides expertise across a wide suite of Morgan Stanley planning tools designed to assist in the areas of investment accumulation, retirement, education, major purchase, cash flow, risk management, tax efficiency, and wealth transfer planning.
She earned her undergraduate and graduate degree from Pennsylvania State University and received the Financial Planning Specialist® designation from the College for Financial Planning. Olivia is originally from New York and currently resides in Atlanta, Georgia.
Important information about your relationship with your Financial Advisor and Morgan Stanley Smith Barney LLC when using a Financial Planning tool. When your Financial Advisor prepares a Financial Plan, they will act in an investment advisory capacity for thirty (30) days after the delivery of your Financial Plan. To understand the differences between brokerage and advisory relationships, you should consult your Financial Advisor, or review our “Understanding Your Brokerage and Investment Advisory Relationships,” brochure available at https://www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
You have sole responsibility for making all investment decisions with respect to the implementation of a Financial Plan. You may implement the Financial Plan at Morgan Stanley or at another firm. If you engage or have engaged Morgan Stanley, it will act as your broker, unless you ask it, in writing, to act as your investment adviser on any particular account.
Morgan 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.
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.
Important information about your relationship with your Financial Advisor and Morgan Stanley Smith Barney LLC when using a Financial Planning tool. When your Financial Advisor prepares a Financial Plan, they will act in an investment advisory capacity for thirty (30) days after the delivery of your Financial Plan. To understand the differences between brokerage and advisory relationships, you should consult your Financial Advisor, or review our “Understanding Your Brokerage and Investment Advisory Relationships,” brochure available at https://www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
You have sole responsibility for making all investment decisions with respect to the implementation of a Financial Plan. You may implement the Financial Plan at Morgan Stanley or at another firm. If you engage or have engaged Morgan Stanley, it will act as your broker, unless you ask it, in writing, to act as your investment adviser on any particular account.
Morgan 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.
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.
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.
You have sole responsibility for making all investment decisions with respect to the implementation of a Financial Plan. You may implement the Financial Plan at Morgan Stanley or at another firm. If you engage or have engaged Morgan Stanley, it will act as your broker, unless you ask it, in writing, to act as your investment adviser on any particular account.
Morgan 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.
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.
Important information about your relationship with your Financial Advisor and Morgan Stanley Smith Barney LLC when using a Financial Planning tool. When your Financial Advisor prepares a Financial Plan, they will act in an investment advisory capacity for thirty (30) days after the delivery of your Financial Plan. To understand the differences between brokerage and advisory relationships, you should consult your Financial Advisor, or review our “Understanding Your Brokerage and Investment Advisory Relationships,” brochure available at https://www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
You have sole responsibility for making all investment decisions with respect to the implementation of a Financial Plan. You may implement the Financial Plan at Morgan Stanley or at another firm. If you engage or have engaged Morgan Stanley, it will act as your broker, unless you ask it, in writing, to act as your investment adviser on any particular account.
Morgan 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.
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.
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.
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A Simple Six-Step Retirement Checkup
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529 Plans: A Powerful Tool to Save for Education
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CFP Board owns the marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the U.S., which it awards to individuals who successfully complete CFP Board's initial and ongoing certification requirements.
1Morgan 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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan 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.
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.
4When 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.
5Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
6Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States. Morgan Stanley Wealth Management is a business of Morgan Stanley Smith Barney LLC.
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.
CFP Board owns the marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque 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 | Morgan Stanley
1Morgan 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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan 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.
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.
4When 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.
5Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
6Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States. Morgan Stanley Wealth Management is a business of Morgan Stanley Smith Barney LLC.
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.
CFP Board owns the marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque 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.
Testimonial(s) solicited by Morgan Stanley and provided by current client(s) at the time of publication. No compensation of any kind was provided in exchange for the client testimonial(s) presented. Client testimonials may not be representative of the experience of other clients and are not a guarantee of future performance or success.
Awards Disclosures | Morgan Stanley
CRC 4665150 (8/2025)
