Senior Vice President, Wealth Management, Wealth Advisor, Senior Investment Management Consultant, Portfolio Management Director
Phone:
(410) 736-5432(410) 736-5432
The Harbor East Group at Morgan Stanley
Toll-Free:
(800) 837-5833(800) 837-5833
Our Mission Statement
Helping families achieve better outcomes through strong personal relationships.
About The Harbor East Group at Morgan Stanley
“All happy families are alike,” in the opinion of Leo Tolstoy who wrote those words about 150 years ago.
We don’t agree.
In our experience, happy families can be traditional mom, pop and kids; blended families with children from different marriages; single parent families, two dad or two mom families; multi-generational families and even families with no children or grandchildren.
These are our clients and each of them requires and deserves an investment approach that is created to meet their unique needs, goals and risk tolerance.
We’re The Harbor East Group at Morgan Stanley, a team of experienced financial professionals who take pride in creating customized investment strategies for every client we serve. Thomas Kimmerle is a Morgan Stanley-credentialed Portfolio Manager who assumes responsibility for day-to-day investment decisions to help you make the best decisions for your family.
We don’t agree.
In our experience, happy families can be traditional mom, pop and kids; blended families with children from different marriages; single parent families, two dad or two mom families; multi-generational families and even families with no children or grandchildren.
These are our clients and each of them requires and deserves an investment approach that is created to meet their unique needs, goals and risk tolerance.
We’re The Harbor East Group at Morgan Stanley, a team of experienced financial professionals who take pride in creating customized investment strategies for every client we serve. Thomas Kimmerle is a Morgan Stanley-credentialed Portfolio Manager who assumes responsibility for day-to-day investment decisions to help you make the best decisions for your family.
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
HOW WE WORK WITH YOU
We purposely limit our practice to a relatively small number of clients so we can give each of them the attention they deserve. Our process for working with you includes the following steps:
- Getting To Know You
What do you hope to achieve and when do you hope to achieve it? How do you think about investments – are you interested in growing what you have saved or is conserving wealth your main priority? Our initial conversations will focus on who you are as a person, as well as an investor. We will also review your assets, liabilities and any expectations you might have for future sources of income like a pension, inheritance or Social Security. - Creating Your Personalized Plan
We use what we have learned about you to create a comprehensive financial plan with tangible recommendations for pursuing your goals. Will you be able to retire on time, for example? Are you saving enough? We will run different scenarios, to give you a good idea of where you are in relation to your goals and what you can do to close any gaps that might exist. Once we find a path that is right for you, we can begin implementing your family's financial plan. - Taking Action
It's important to note that until this point, you are not our client. You have not entrusted us with assets, nor are you charged any fees for the services we have offered. Now that you have a plan with recommendations, we want you to take the time to think it over and perhaps confer with family members and trusted advisors, if you wish. Once you are ready to become our client, we will begin implementing your plan with a customized investment approach. This includes creating an asset allocation to meet your risk tolerance, while giving you a realistic opportunity to meet the objectives we identified together. - Following Up
Are you proceeding as anticipated toward the goals we identified or is an adjustment required? Have new priorities arisen as a result of changing circumstances in your life? We monitor your strategies to determine whether they are still suitable, given your current needs, as well as fluctuating financial markets. Since we limit our practice size, we are able to spend more time with our clients. We believe this increased attention will allow our clients better financial outcomes.
Working With Our Team, You can Expect That We Will:
- Develop a detailed financial strategy based on your goals
- Set up a long-term, balanced wealth plan
- Take the emotion out of money moves, so you can make smart decisions
- Be flexible. When changes come to your life, or in the market, I’ll tweak your financial strategy.
Some of our work is best coordinated with your other key advisors. If you like, we can connect directly with your:
- Tax specialist
- Trust attorney
- Insurance professional
- Family office
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At The Harbor East Group, we have built a culture based on open discourse of thought-provoking ideas and information. We will be using this space to share the latest news on what is being discussed in our office.
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Morgan Stanley Portfolio InsightsSample Financial Plan
We provide a financial plan at no cost to prospective clients. All of our recommendations for your custom plan and custom portfolio are derived through this process. While a financial plan is a wonderful tool, you still need to find the right team to execute your plan. We believe we are the team for you.
This sample financial plan showcases how Jill and Jack Hill can retire, take care of their daughters, and plan for their vacation home; all while potentially reducing the level of risk in their portfolio.
This sample financial plan showcases how Jill and Jack Hill can retire, take care of their daughters, and plan for their vacation home; all while potentially reducing the level of risk in their portfolio.
Pages 8-10 'Personal Information and Summary of Financial Goals'
These pages show the goals Jill and Jack would like to accomplish above basic retirement spending. The Hill's would like to purchase a vacation home and help their daughters cover wedding costs, just to name a few.
Page 16 'Model Portfolio Table'
In this example, these models are used to measure risk. Model 1 is a more conservative portfolio and Model 5 represents a riskier portfolio. The green square represents Jill and Jack's current portfolio. It shows how much risk they are taking versus our risk models.
Pages 17-26 'What If Worksheet'
These pages show two scenarios, "Current"(left column) and "De-Risk"(right column). Page 18 shows that Jill and Jack have a higher probability of funding their retirement goals, if they take less risk in their portfolio. By assuming less risk in their portfolio, Jill and Jack have a higher likelihood of achieving their longer-term goals and they may find it a little easier to sleep at night.
View Sample Financial PlanLocation
1201 Wills Street
Suite 700
Baltimore, MD 21231
US
Toll-Free:
(800) 837-5833(800) 837-5833
Meet The Harbor East Group
Phone:
(410) 736-5459(410) 736-5459
John Kurutz
Registered Client Service Associate
Phone:
(410) 736-5434(410) 736-5434
About Thomas C Kimmerle
Tom brings 30 years of experience to every client he serves. He began his career as an accountant but soon realized that he derived more satisfaction from helping people achieve life goals through comprehensive wealth management.
As a Certified Financial Planner, Tom creates customized plans that encompass not only his clients’ investments, but virtually every aspect of their financial lives. He understands how to implement the plans over longer periods of time so that clients stand a better chance of reaching the goals to which they aspire.
A graduate of Colorado State University with a BS in Business Administration, Tom joined Morgan Stanley in 2001.He is a Morgan Stanley-credentialed Portfolio Management Director who often manages client assets on a discretionary basis, and assumes responsibility for day-to-day investment decisions his clients would rather not make on their own. He also takes full advantage of Morgan Stanley’s robust Advisory Platform, known as Consulting Group. He analyzes and identifies third party investment managers with the ability to invest a portion of his clients’ portfolios. He finds that this approach helps clients eliminate emotion from the investment process and remain steadfast to their plan when markets fluctuate. Tom believes this process will lead to better outcomes for his clients.
Tom splits his time between Baltimore’s historic Mt. Vernon district and Rehoboth Beach, DE. Tom enjoys gardening and travel.
As a Certified Financial Planner, Tom creates customized plans that encompass not only his clients’ investments, but virtually every aspect of their financial lives. He understands how to implement the plans over longer periods of time so that clients stand a better chance of reaching the goals to which they aspire.
A graduate of Colorado State University with a BS in Business Administration, Tom joined Morgan Stanley in 2001.He is a Morgan Stanley-credentialed Portfolio Management Director who often manages client assets on a discretionary basis, and assumes responsibility for day-to-day investment decisions his clients would rather not make on their own. He also takes full advantage of Morgan Stanley’s robust Advisory Platform, known as Consulting Group. He analyzes and identifies third party investment managers with the ability to invest a portion of his clients’ portfolios. He finds that this approach helps clients eliminate emotion from the investment process and remain steadfast to their plan when markets fluctuate. Tom believes this process will lead to better outcomes for his clients.
Tom splits his time between Baltimore’s historic Mt. Vernon district and Rehoboth Beach, DE. Tom enjoys gardening and travel.
Securities Agent: ME, TX, SD, PR, PA, OH, GA, FL, VA, IN, DE, KS, NH, NC, MD, CO, CA, AZ, IL, WV, SC, HI, DC, NY, MI, MA, NV, NJ; General Securities Principal; General Securities Representative; Investment Advisor Representative
NMLS#: 1528883
NMLS#: 1528883
About Jason Welling
No two families are the same, which is why many clients with specialized financial needs often look to Jason's Financial Advising team: The Harbor East Group at Morgan Stanley. All types of families require and deserve an investment approach that is created to meet their unique needs, goals, and risk tolerance. The Harbor East Group is committed to creating investment strategies that reflect who you are and what you want for yourself and your family.
The Harbor East Group at Morgan Stanley was founded in 2016. Financial advising is important to Jason because he understands the massive impact he has on the lives of his clients. Knowing that he gives clients financial security and peace of mind motivates him to continuously work hard. Due to the intentionally limited number of clients The Harbor East Group takes on, each client is provided with the highest level of attention and service. Not only does each client benefit from the team’s combined expertise, but also all of Morgan Stanley and its technology, resources, and analysts as well.
Jason grew up in Clarksville, Maryland, and later attended Emory University in Atlanta, Georgia. He obtained a BA in Financial Economics, and then returned home and has lived in Baltimore ever since. Jason spends his free time hanging out with his golden retriever, exploring the outdoors, and playing competitive soccer.
Jason Welling, Pacesetter's Club Member since 2024.
Disclosure: https://mgstn.ly/3J3ywqw
The Harbor East Group at Morgan Stanley was founded in 2016. Financial advising is important to Jason because he understands the massive impact he has on the lives of his clients. Knowing that he gives clients financial security and peace of mind motivates him to continuously work hard. Due to the intentionally limited number of clients The Harbor East Group takes on, each client is provided with the highest level of attention and service. Not only does each client benefit from the team’s combined expertise, but also all of Morgan Stanley and its technology, resources, and analysts as well.
Jason grew up in Clarksville, Maryland, and later attended Emory University in Atlanta, Georgia. He obtained a BA in Financial Economics, and then returned home and has lived in Baltimore ever since. Jason spends his free time hanging out with his golden retriever, exploring the outdoors, and playing competitive soccer.
Jason Welling, Pacesetter's Club Member since 2024.
Disclosure: https://mgstn.ly/3J3ywqw
Securities Agent: SC, FL, TX, HI, GA, SD, NC, DC, PR, ME, CO, AZ, MD, MA, IN, DE, CA, WV, NY, NV, NJ, MI, VA, OH, NH, KS, PA, IL; General Securities Representative; Investment Advisor Representative
NMLS#: 2342778
NMLS#: 2342778
Contact Thomas C Kimmerle
Contact Jason Welling
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
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Working closely with you to guide your wealth and investments through the most challenging market cycles.
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Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
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Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
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Certified Financial Planner Board of Standards, Inc. (CFP Board) owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™, and CFP® (with plaque design) in the United States, which it authorizes use of by individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
3When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
4Morgan Stanley’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.
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 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.
7Morgan 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.
8Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
3When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
4Morgan Stanley’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.
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 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.
7Morgan 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.
8Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
CRC 6491812 (04/2024)
