Todd Gray, CRPC®
Senior Vice President, Financial Advisor, Alternative Investments Director
Phone:
(732) 936-3400(732) 936-3400
The Gray-Quartuci Group at Morgan Stanley
Direct:
(732) 936-3300(732) 936-3300
Our Mission Statement
Our mission is to help clients pursue their life goals through personalized wealth strategies shaped by decades of experience, insight, and perspective, and supported by the global resources and intellectual capital of Morgan Stanley.
Our Story and Services
The Gray-Quartuci Group was built on a shared commitment to helping families make thoughtful financial decisions across generations. Led by Todd Gray and Rosa Quartuci, our team brings together more than seven decades of combined experience guiding high-net-worth individuals, corporate executives, business owners and multigenerational families through the complexities of wealth.
Todd and Rosa’s partnership is grounded in a belief that meaningful advice begins with understanding what matters most to each client — their goals, values, family dynamics and vision for the future. Through a goals-based wealth management approach, we work to develop personalized strategies designed to support each stage of life, from building and preserving wealth to planning for retirement, liquidity needs and legacy objectives.
Our mission is to help clients pursue their life goals through personalized wealth strategies shaped by decades of experience, insight and perspective, and supported by the global resources and intellectual capital of Morgan Stanley. We strive to provide disciplined guidance, clear communication and coordinated planning that reflects each client’s evolving circumstances.
With deep roots in the communities we serve and a longstanding dedication to client relationships, The Gray-Quartuci Group is focused on helping families move forward with clarity, confidence and purpose.
Todd and Rosa’s partnership is grounded in a belief that meaningful advice begins with understanding what matters most to each client — their goals, values, family dynamics and vision for the future. Through a goals-based wealth management approach, we work to develop personalized strategies designed to support each stage of life, from building and preserving wealth to planning for retirement, liquidity needs and legacy objectives.
Our mission is to help clients pursue their life goals through personalized wealth strategies shaped by decades of experience, insight and perspective, and supported by the global resources and intellectual capital of Morgan Stanley. We strive to provide disciplined guidance, clear communication and coordinated planning that reflects each client’s evolving circumstances.
With deep roots in the communities we serve and a longstanding dedication to client relationships, The Gray-Quartuci Group is focused on helping families move forward with clarity, confidence and purpose.
Services Include
- Donor Advised Funds
- Long-term Care InsuranceFootnote1
- Retirement PlanningFootnote2
- Alternative InvestmentsFootnote3
- 401(k) Rollovers
- Trust ServicesFootnote4
- Wealth ManagementFootnote5
- UGMA/UTMAFootnote6
- Exchange Traded FundsFootnote7
- Financial PlanningFootnote8
- Estate Planning StrategiesFootnote9
- Certificates of DepositFootnote10
- Asset Management
- AnnuitiesFootnote11
- 529 PlansFootnote12
- Corporate BondsFootnote13
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Our Clients
We are honored to serve a diverse community of clients—including high net worth individuals and families, business owners, corporate executives, retirees and pre-retirees, non-profit organizations, and those navigating significant life transitions. We are committed to building enduring relationships grounded in professionalism, discretion, and responsive service. Through a personalized, transparent approach and the benefit of more than 70 years of combined experience, we help clients make informed decisions and move forward with confidence in an increasingly complex financial environment.
UHNW Individuals and Families
Planning support for families with complex financial lives—helping coordinate investment strategy, tax-aware decisions, legacy objectives, and risk considerations across generations.
Retirees and Pre-Retirees
Retirement planning focused on turning savings into a sustainable lifestyle—balancing income needs, portfolio resilience, and long-term confidence.
Business Owners
Advice designed for the realities of ownership, from managing cash flow and reinvestment decisions to planning for succession, continuity, and eventual liquidity.
Corporate Executives
Guidance tailored to executive compensation and benefits complexity, helping you evaluate equity awards, concentrated exposure, and long-term planning priorities.
Life Transitions & Major Milestones
A steady planning partner during major transitions—helping you reassess goals, update strategies, and make informed decisions when circumstances change.
Non-Profit Organizations
Support for mission-driven organizations seeking disciplined stewardship—aligning investment approach with spending needs, reserves, and oversight practices.
Our disciplined financial planning process is built around you and guided by three goals: Provide. Preserve. Progress.
We deliver simplified, consolidated, and holistic wealth management solutions tailored to your needs. By understanding your full financial picture—along with your family's values and shared goals—we help protect your lifestyle and legacy while positioning you to navigate changing markets and life's transitions.
Thoughtful planning starts with knowing where you are today and where you want to go. We take the time to ask the right questions, listen closely, and design strategies that support the many dimensions of your financial life—so you can move forward with clarity and confidence.
Establish the Foundation
We start with an in-depth conversation to understand what matters most to you—your needs, priorities, and values. By learning the key details of your life and financial picture, we can define clear goals and set a strong baseline for decisions ahead.
Turn Insights into Action
Next, we assess your full financial situation using planning and risk analysis tools to translate what we've learned into a clear strategy. The result is a comprehensive plan designed to help you build, protect, and transfer wealth in line with your objectives.
Activate Strategy
With your approval, we coordinate the transition of assets to Morgan Stanley and put your plan into motion. We implement the steps and solutions outlined in your plan as they align with your tailored investment strategy.
Review, Refine, and Rebalance
As life and markets change, we stay closely engaged. We provide regular updates, review progress toward your goals, and refine your strategy as needed—so your plan stays aligned with what you want to achieve.
PLANNING TODAY FOR TOMORROW’S GENERATIONS
Multigenerational planning is about more than transferring assets—it's about transferring intent. The decisions you make today can shape opportunities for decades to come. These resources help families think proactively about legacy goals, governance, and education so future generations are equipped to preserve and build upon what you've created.
How to Break the Ice Around Family Finances
Money is one of the trickiest topics to discuss. But avoiding the conversation can lead to problems. Learn how to start the dialogue with your family.
Opening Pandora’s Box: 10 Rules for Talking to Kids About Money
Practical guidance for discussing money with children in age-appropriate ways—so financial responsibility and healthy habits can develop over time.
Financial Literacy for Any Stage of Your Life
Financial literacy means being equipped with the knowledge to help make smart financial decisions during every stage of your life. No matter your current priorities, a strong financial literacy foundation can help you meet your goals.
Estate Planning Fundamentals
Building a proper estate plan is an important step toward ensuring that your legacy is passed down on your terms. Here are some essentials to keep in mind.
Retirement Plans for Five Generations
In a multigenerational workplace, how may retirement plan benefits meet the needs of employees at every age and life stage? For the First Time in History, the Workforce Consists of Five Generations of Workers
Building Financial Confidence at Home
Build a solid foundation for the future—for you and your loved ones.
Modern tools. Meaningful insights.
Welcome to The Wealth Lab — your destination for digital tools and resources designed to support every dimension of your financial journey. From portfolio insights to planning resources, Morgan Stanley offers solutions to help clients stay informed, organized and confidently engaged in their wealth management experience.
2026 Tax Tables
This document outlines the 2026 tax rate schedule, education and health savings account limits, retirement contribution and deduction limits, among other information.
Spending and Budgeting Tool
Track spending habits, categorize expenses and create budgets across your Morgan Stanley and external financial accounts with our Spending and Budgeting Tool.
Morgan Stanley Online (MSO)
Beyond viewing your account balance and activity, MSO has a suite of features that allow you to manage your everyday finances from paying bills and sending money to transferring funds and authorizing transactions with eAuthorizations.
Total Wealth View
View all your external financial accounts directly in Morgan Stanley Online or the mobile app. By linking your accounts, you'll benefit from more informed wealth planning, secure data access and convenient connectivity.
Digital Vault
Digital Vault allows for easy sharing and convenient access to your most important documents from wills and deeds to financial statements and tax fillings. Easily manage your encrypted financial records all in one place.
eDelivery
eDelivery provides you with the ability to view statements and other documents electronically in lieu of paper. Clients who are registered in Morgan Stanley Online may enroll in eDelivery.
MS Reserved Living & Giving
Reserved Living & Giving is a tiered complimentary loyalty program that rewards Morgan Stanley's most valued clients. The program is designed to enhance your lifestyle and relationship with the firm beyond traditional wealth management services.
Family Office Resources
Morgan Stanley Family Office Resources provides specialized, technical expertise to select clients across a broad range of family wealth management issues. Our core capabilities span three complimentary areas of focus including Governance & Legacy, Wealth Strategies and Signature Access.
Thoughts on the Market Podcast
With perspectives on the forces shaping the market, join Morgan Stanley's Chief Investment Officer and Chief US Equity Strategist as he and his colleagues discuss their viewpoints regarding the latest trends in the financial marketplace.
Security Center
At Morgan Stanley, safeguarding your assets and personal information is among our highest priorities. Learn about our security measures and use our resources and ideas to help protect yourself online.
Location
20 Linden Place
Red Bank, NJ 07701
US
Direct:
(732) 936-3300(732) 936-3300
Meet The Gray-Quartuci Group
Rosa Quartuci
First Vice President, Financial Advisor
Phone:
(732) 936-4033(732) 936-4033
Valerie Pamphile
Client Service Associate
Phone:
(732) 435-2265(732) 435-2265
About Todd Gray
For more than three decades, Todd Gray has helped high-net-worth individuals and multigenerational families navigate the complexities of wealth with clarity, discipline and a long-term perspective. Drawing on deep market knowledge and a commitment to thoughtful stewardship, he seeks to provide advice that reflects each client’s distinct objectives and evolving circumstances.
Todd began his advisory career in 1991 at Merrill Lynch after earning a Business degree in Economics from Susquehanna University. In 2021, he brought his experience to Morgan Stanley’s Red Bank, New Jersey, office, where he and long-time partner Rosa Quartuci lead The Gray-Quartuci Group. Together they strive to build enduring relationships, guiding clients through each life stage and helping them make informed decisions about investments, retirement income planning, liquidity needs, and legacy goals.
A holder of the Chartered Retirement Planning Counselor℠ designation, Todd also serves as an Alternative Investments Director, broadening the range of strategies he can discuss with appropriate clients. His practice emphasizes disciplined portfolio construction, transparent communication and coordination with clients’ tax and legal professionals when needed.
Outside the office, Todd is an active member of the Shark River Hills Yacht Club and a dedicated parishioner and volunteer at St. Leo the Great in Lincroft. He and his wife, Nancy, a kindergarten teacher, have been married since 1994 and are proud parents of three adult sons; Nicholas, Thomas and John. Todd and his family reside in Shark River Hills/Neptune, New Jersey, where Todd enjoys time on the water and supporting local community initiatives.
Whether clients are building wealth, preparing for retirement or planning a family legacy, Todd aims to serve as a steady resource and trusted guide throughout their financial journey.
Todd began his advisory career in 1991 at Merrill Lynch after earning a Business degree in Economics from Susquehanna University. In 2021, he brought his experience to Morgan Stanley’s Red Bank, New Jersey, office, where he and long-time partner Rosa Quartuci lead The Gray-Quartuci Group. Together they strive to build enduring relationships, guiding clients through each life stage and helping them make informed decisions about investments, retirement income planning, liquidity needs, and legacy goals.
A holder of the Chartered Retirement Planning Counselor℠ designation, Todd also serves as an Alternative Investments Director, broadening the range of strategies he can discuss with appropriate clients. His practice emphasizes disciplined portfolio construction, transparent communication and coordination with clients’ tax and legal professionals when needed.
Outside the office, Todd is an active member of the Shark River Hills Yacht Club and a dedicated parishioner and volunteer at St. Leo the Great in Lincroft. He and his wife, Nancy, a kindergarten teacher, have been married since 1994 and are proud parents of three adult sons; Nicholas, Thomas and John. Todd and his family reside in Shark River Hills/Neptune, New Jersey, where Todd enjoys time on the water and supporting local community initiatives.
Whether clients are building wealth, preparing for retirement or planning a family legacy, Todd aims to serve as a steady resource and trusted guide throughout their financial journey.
Securities Agent: MS, CT, CA, PA, OH, NM, MN, VA, TX, SD, NC, MA, CO, AL, NH, MT, FL, NV, NJ, TN, SC, NY, AZ, DE, WA, ME, MD, LA, IL; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 579735
NMLS#: 579735
About Rosa Quartuci
For more than four decades, Rosa Quartuci has worked closely with generations of affluent families to help them articulate their goals and make informed financial decisions. As a First Vice President – Financial Advisor with the Gray/Quartuci Group, she and her team follow a goals-based wealth-management approach that begins with thoughtful questions for parents, children and grandchildren alike. The insights gained guide the construction of tailored investment strategies designed to address each client’s evolving needs.
Rosa’s 45-year career began in Brooklyn and Lower Manhattan, where she built long-standing relationships at Merrill Lynch before moving with her team to Morgan Stanley in 2021. Today she focuses on asset-allocation guidance, goals-based planning and coordinated estate-planning considerations for high-net-worth families, corporate executives and successful business owners. Fluent in Italian, Rosa also enjoys serving multigenerational, multicultural households.
She holds FINRA Series 7, 63 and 66 registrations, as well as Life & Health Insurance licenses in New York, New Jersey and Connecticut. Rosa earned her degree from the College of Staten Island.
During the pandemic, Rosa relocated to Eatontown, New Jersey, while remaining connected to her Brooklyn roots and community. Outside the office, she devotes her greatest energy to family, splits time between homes in Eatontown and Brooklyn, and stays active through regular workouts. An enthusiastic cook and gracious host, Rosa finds joy in gathering friends and relatives around the table.
Rosa’s 45-year career began in Brooklyn and Lower Manhattan, where she built long-standing relationships at Merrill Lynch before moving with her team to Morgan Stanley in 2021. Today she focuses on asset-allocation guidance, goals-based planning and coordinated estate-planning considerations for high-net-worth families, corporate executives and successful business owners. Fluent in Italian, Rosa also enjoys serving multigenerational, multicultural households.
She holds FINRA Series 7, 63 and 66 registrations, as well as Life & Health Insurance licenses in New York, New Jersey and Connecticut. Rosa earned her degree from the College of Staten Island.
During the pandemic, Rosa relocated to Eatontown, New Jersey, while remaining connected to her Brooklyn roots and community. Outside the office, she devotes her greatest energy to family, splits time between homes in Eatontown and Brooklyn, and stays active through regular workouts. An enthusiastic cook and gracious host, Rosa finds joy in gathering friends and relatives around the table.
Securities Agent: DE, TX, ME, SC, NC, MS, FL, AL, PA, CO, AZ, WA, SD, NJ, MD, MA, NH, MN, LA, NY, IL, CA, NV, MT, CT, VA, TN, OH, NM; General Securities Representative; Investment Advisor Representative
NMLS#: 1373890
NMLS#: 1373890
About Valerie Pamphile
Valerie is a Portfolio Associate with Morgan Stanley and has been with the firm for 15 years. As a member of The Gray Quartuci Group, she is responsible for supporting the team in cultivating and enhancing new and existing client relationships.
Valerie is dedicated to delivering a first-class client experience. She responds to client requests efficiently, helps coordinate account-related activities, and works to ensure clients receive timely, thoughtful support backed by Morgan Stanley’s broad resources.
She earned her B.A. in Economics from Brooklyn College and holds her Series 7 and Series 66 securities licenses.
A longtime resident of Jackson, New Jersey, Valerie and her husband, Wes, are the proud parents of three wonderful sons. In her free time, she enjoys spending time with family and friends, volunteering in her community, and cheering on her beloved Knicks.
Valerie is dedicated to delivering a first-class client experience. She responds to client requests efficiently, helps coordinate account-related activities, and works to ensure clients receive timely, thoughtful support backed by Morgan Stanley’s broad resources.
She earned her B.A. in Economics from Brooklyn College and holds her Series 7 and Series 66 securities licenses.
A longtime resident of Jackson, New Jersey, Valerie and her husband, Wes, are the proud parents of three wonderful sons. In her free time, she enjoys spending time with family and friends, volunteering in her community, and cheering on her beloved Knicks.
Contact Todd Gray
Contact Rosa Quartuci
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
Anthony Viskovic
Private Banker
Oscar Rothschild
Planning Associate
About Anthony Viskovic
Anthony Viskovic is a Private Banker serving Morgan Stanley Wealth Management offices in New Jersey.
Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Anthony began his career in financial services in 2004, and joined Morgan Stanley in 2010 as a Regional Lending Advisor. Prior to joining the firm, he was an Internal Banking Consultant at UBS Financial Services.
Anthony is a graduate of Rutgers University, where he received a Bachelor of Arts Degree in Economics. He lives in Ocean, New Jersey with his family. Outside of the office, Anthony enjoys being active, cooking, traveling and spending time with his family.
Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Anthony began his career in financial services in 2004, and joined Morgan Stanley in 2010 as a Regional Lending Advisor. Prior to joining the firm, he was an Internal Banking Consultant at UBS Financial Services.
Anthony is a graduate of Rutgers University, where he received a Bachelor of Arts Degree in Economics. He lives in Ocean, New Jersey with his family. Outside of the office, Anthony enjoys being active, cooking, traveling and spending time with his family.
NMLS#: 1427370
About Oscar Rothschild
Oscar Rothschild 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, he collaborates with clients to discover and define the
goals that matter most to them. Leveraging state of the art technology, he will evaluate
various options and their potential outcomes to help clients confidently choose the
appropriate course of action. Oscar 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.
He earned his undergraduate degree from The University of Pittsburgh and received
the Financial Planning Specialist® designation from the College for Financial
Planning. Oscar is originally from Rye Brook, NY and currently resides in Stamford,
CT.
financial planning support to Financial Advisors and their teams. Operating as an
extension of the FA/Team, he collaborates with clients to discover and define the
goals that matter most to them. Leveraging state of the art technology, he will evaluate
various options and their potential outcomes to help clients confidently choose the
appropriate course of action. Oscar 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.
He earned his undergraduate degree from The University of Pittsburgh and received
the Financial Planning Specialist® designation from the College for Financial
Planning. Oscar is originally from Rye Brook, NY and currently resides in Stamford,
CT.
Private Banking Group (PBG) Market Managers, Senior Private Bankers, Private Bankers, and Associate Private Bankers are employees of Morgan Stanley Private Bank, National Association.
Banking products and services are offered by Morgan Stanley Private Bank, National Association, Member FDIC.
Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
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.
Banking products and services are offered by Morgan Stanley Private Bank, National Association, Member FDIC.
Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
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.
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
A Simple Six-Step Retirement Checkup
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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
Iran Conflict: Seven Takeaways for Investors
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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
529 Plans: A Powerful Tool to Save for Education
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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
Ready to start a conversation? Contact The Gray-Quartuci Group today.
1Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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.
3Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
4Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
5Morgan Stanley 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.
6Morgan 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.
7An investment in an exchange-traded fund (ETF) involves risks similar to those of investing in a broadly based portfolio of equity securities traded on exchange in the relevant securities market, such as market fluctuations caused by such factors as economic and political developments, changes in interest rates and perceived trends in stock prices. The investment return and principal value of ETF investments will fluctuate, so that an investor’s ETF shares, if or when sold, may be worth more or less than the original cost.
Investors should carefully consider the investment objectives, risks, charges and expenses of an exchange-traded fund (ETF) before investing. The prospectus contains this and other information about the ETF. To obtain a prospectus, contact your Financial Advisor or visit the ETF company’s website. Please read the prospectus carefully before investing.
8Morgan 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.
9Morgan 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.
10Investors should consider many factors before deciding which 529 plan is appropriate. Some of these factors include: the Plan’s investment options and the historical investment performance of these options, the Plan’s flexibility and features, the reputation and expertise of the Plan’s investment manager, Plan contribution limits and the federal and state tax benefits associated with an investment in the Plan. Some states, for example, offer favorable tax treatment and other benefits to their residents only if they invest in the state’s own Qualified Tuition Program. Investors should determine their home state’s tax treatment of 529 plans when considering whether to choose an in-state or out-of-state plan. Investors should consult with their tax or legal advisor before investing in any 529 Plan or contact their state tax division for more information. Morgan Stanley Smith Barney LLC does not provide tax and/or legal advice. Investors should review a Program Disclosure Statement, which contains more information on investment options, risk factors, fees and expenses and possible tax consequences.
11Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
12Investors should consider many factors before deciding which 529 plan is appropriate. Some of these factors include: the Plan's investment options and the historical investment performance of these options, the Plan's flexibility and features, the reputation and expertise of the Plan's investment manager, Plan contribution limits and the federal and state tax benefits associated with an investment in the Plan. Some states, for example, offer favorable tax treatment and other benefits to their residents only if they invest in the state's own Qualified Tuition Program. Investors should determine their home state's tax treatment of 529 plans when considering whether to choose an in-state or out-of-state plan. Investors should consult with their tax or legal advisor before investing in any 529 Plan or contact their state tax division for more information. Morgan Stanley Smith Barney LLC does not provide tax and/or legal advice. Investors should review a Program Disclosure Statement, which contains more information on investment options, risk factors, fees and expenses and possible tax consequences.
13Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
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 Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.
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
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.
3Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
4Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
5Morgan Stanley 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.
6Morgan 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.
7An investment in an exchange-traded fund (ETF) involves risks similar to those of investing in a broadly based portfolio of equity securities traded on exchange in the relevant securities market, such as market fluctuations caused by such factors as economic and political developments, changes in interest rates and perceived trends in stock prices. The investment return and principal value of ETF investments will fluctuate, so that an investor’s ETF shares, if or when sold, may be worth more or less than the original cost.
Investors should carefully consider the investment objectives, risks, charges and expenses of an exchange-traded fund (ETF) before investing. The prospectus contains this and other information about the ETF. To obtain a prospectus, contact your Financial Advisor or visit the ETF company’s website. Please read the prospectus carefully before investing.
8Morgan 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.
9Morgan 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.
10Investors should consider many factors before deciding which 529 plan is appropriate. Some of these factors include: the Plan’s investment options and the historical investment performance of these options, the Plan’s flexibility and features, the reputation and expertise of the Plan’s investment manager, Plan contribution limits and the federal and state tax benefits associated with an investment in the Plan. Some states, for example, offer favorable tax treatment and other benefits to their residents only if they invest in the state’s own Qualified Tuition Program. Investors should determine their home state’s tax treatment of 529 plans when considering whether to choose an in-state or out-of-state plan. Investors should consult with their tax or legal advisor before investing in any 529 Plan or contact their state tax division for more information. Morgan Stanley Smith Barney LLC does not provide tax and/or legal advice. Investors should review a Program Disclosure Statement, which contains more information on investment options, risk factors, fees and expenses and possible tax consequences.
11Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
12Investors should consider many factors before deciding which 529 plan is appropriate. Some of these factors include: the Plan's investment options and the historical investment performance of these options, the Plan's flexibility and features, the reputation and expertise of the Plan's investment manager, Plan contribution limits and the federal and state tax benefits associated with an investment in the Plan. Some states, for example, offer favorable tax treatment and other benefits to their residents only if they invest in the state's own Qualified Tuition Program. Investors should determine their home state's tax treatment of 529 plans when considering whether to choose an in-state or out-of-state plan. Investors should consult with their tax or legal advisor before investing in any 529 Plan or contact their state tax division for more information. Morgan Stanley Smith Barney LLC does not provide tax and/or legal advice. Investors should review a Program Disclosure Statement, which contains more information on investment options, risk factors, fees and expenses and possible tax consequences.
13Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
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 Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.
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
CRC 4665150 (8/2025), 4763067 (9/2025)
