Phone:
(301) 696-8262(301) 696-8262
The Fredericktowne Group at Morgan Stanley
Matthew C. McGreevyThomas P. EvichJustin E. Saloom, CFP®Benjamin SeibertAnita J. CoffmanNicole Milor
Direct:
(301) 631-7138(301) 631-7138
Toll-Free:
(800) 634-0072(800) 634-0072
Our Mission Statement
To help long term, serious investors, create, maintain, and distribute wealth in a tax efficient manner.
The Fredericktowne Group Story
The Fredericktowne Group is a dedicated team of family wealth advisors that pride themselves in helping individuals, families, and businesses achieve their investment and financial goals. Over the years the name on the front door may have changed, but our values and commitment have remained the same.
Individuals: We help individual investors by creating an individualized financial/retirement plan and oversee its implementation and success to ensure you’re on track to retire. Whether you’ve just changed jobs and have a rollover from a corporate retirement plan or are starting to think about retirement, we can help!
Families: We work with families who seek to create, maintain and distribute multi-generational wealth. Our team will work with your family on an individualized financial plan and help with its implementation and provide ongoing monitoring to ensure it’s on track. The Fredericktowne Group will also help coordinate with your attorney to employ estate planning strategies for your family’s continued wealth.
Businesses & Business Owners: Our group understands the amount of work and stress that can go into running a successful business, so we strive to take some of the burden away by helping business owners plan their financial future. We help owners not only with their account and investment management but to help them create a plan for succession and ensure they maintain financial independence. The Fredericktowne Group also helps with corporate retirement plans ranging from 401Ks, SIMPLE IRAs, and more.
Individuals: We help individual investors by creating an individualized financial/retirement plan and oversee its implementation and success to ensure you’re on track to retire. Whether you’ve just changed jobs and have a rollover from a corporate retirement plan or are starting to think about retirement, we can help!
Families: We work with families who seek to create, maintain and distribute multi-generational wealth. Our team will work with your family on an individualized financial plan and help with its implementation and provide ongoing monitoring to ensure it’s on track. The Fredericktowne Group will also help coordinate with your attorney to employ estate planning strategies for your family’s continued wealth.
Businesses & Business Owners: Our group understands the amount of work and stress that can go into running a successful business, so we strive to take some of the burden away by helping business owners plan their financial future. We help owners not only with their account and investment management but to help them create a plan for succession and ensure they maintain financial independence. The Fredericktowne Group also helps with corporate retirement plans ranging from 401Ks, SIMPLE IRAs, and more.
Services Include
- Wealth ManagementFootnote1
- Estate Planning StrategiesFootnote2
- Financial PlanningFootnote3
- Business Succession PlanningFootnote4
- Alternative InvestmentsFootnote5
- Retirement PlanningFootnote6
- Professional Portfolio ManagementFootnote7
- AnnuitiesFootnote8
- 401(k) Rollovers
- Life InsuranceFootnote9
- Long Term Care InsuranceFootnote10
- Qualified Retirement PlansFootnote11
- 529 PlansFootnote12
- Trust AccountsFootnote13
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Our Goal-Based Process
Our process focuses on what is important to you, your family and your legacy. Through each step, we provide objective advice and investment insights to construct a wealth management plan that is uniquely yours. We leverage our experience and relationships to deliver innovative strategies that are tailored to your needs. We look forward to speaking with you to understand your challenges, so we may map out a strategy to help achieve your particular priorities and goals.
Our Tailored Process
1. INTRODUCTION: We begin with an informal discussion to understand your financial concerns and determine how we can add value.
2. DISCOVERY: Then, we will have an in-depth conversation to learn about the values that shape your decisions and identify any unique circumstances. We also review your documents and define your priorities.
3. ASSET TRANSFER: We transfer your assets to Morgan Stanley and begin our goals-based financial planning process.
4. ANALYSIS & PLAN DEVELOPMENT: Utilizing proprietary tools and insights from Morgan Stanley, we develop a personalized financial plan that integrates all your available assets into one plan.
5. PLAN PRESENTATION & IMPLEMENTATION: We present strategies designed to work together to help achieve your goals. We will initiate our recommendations and begin to implement the additional strategies we’ve discussed. These often encompass risk management, as well as estate and legacy planning strategies.
6. ONGOING SERVICE: Committed to premium service, we focus on developing a relationship that provides special value to you and your family. We’ll set up tools so you have immediate access to your account information and since markets and personal needs evolve over time, we set up ongoing meetings to ensure your plan remains on schedule to achieve your goals.
2. DISCOVERY: Then, we will have an in-depth conversation to learn about the values that shape your decisions and identify any unique circumstances. We also review your documents and define your priorities.
3. ASSET TRANSFER: We transfer your assets to Morgan Stanley and begin our goals-based financial planning process.
4. ANALYSIS & PLAN DEVELOPMENT: Utilizing proprietary tools and insights from Morgan Stanley, we develop a personalized financial plan that integrates all your available assets into one plan.
5. PLAN PRESENTATION & IMPLEMENTATION: We present strategies designed to work together to help achieve your goals. We will initiate our recommendations and begin to implement the additional strategies we’ve discussed. These often encompass risk management, as well as estate and legacy planning strategies.
6. ONGOING SERVICE: Committed to premium service, we focus on developing a relationship that provides special value to you and your family. We’ll set up tools so you have immediate access to your account information and since markets and personal needs evolve over time, we set up ongoing meetings to ensure your plan remains on schedule to achieve your goals.
Services We Provide
WEALTH MANAGEMENT: We listen carefully to understand the connections across your personal life, your family, your career, and your legacy goals to develop an integrated strategy that is uniquely yours.
LIFE INSURANCE: Life’s risks can affect the efficiency of a thoughtfully developed plan. We proactively help address these concerns in a number of ways, ranging from insurance reviews to liquidity strategies.
RETIREMENT PLANNING: From IRAs to RMDs, we manage the complexities of your retirement plan assets, helping you easily transition to the next phase of your life with security and confidence.
401(k) ROLLOVERS: If you have a 401(k) from a previous job, we make it easy to consolidate your assets into one account so you can monitor your progress and results all in one place.
ALTERNATIVE INVESTMENTS: Morgan Stanley’s global network affords us the ability to offer suitable clients a wide array of alternative investments to consider – from private equities and exchange funds to hedge funds and real estate investments. Our recommendations are based on your own goals and risk tolerance.
BUSINESS SUCCESSION PLANNING: We understand your succession in the context of your overall financial picture and work closely with your other advisors to help ensure your priorities are reflected in your succession strategy.
Disclosure:
Typically, a retirement plan participant leaving an employer's plan has the following four options (and may be able to use a combination of these options depending on their employment status, age and the availability of the particular option):
1. Cash out the account value and take a lump sum distribution from the current plan subject to mandatory 20% federal income tax withholding, as well as potential income taxes and 10% early withdrawal penalty tax, or continue tax deferred growth potential by doing one of the following:
2. Leave the assets in the former employer’s plan (if permitted)
3. Roll over the retirement assets into the new employer’s qualified plan, if one is available and rollovers are permitted, or
4. Roll over the retirement savings into an IRA
Other factors to consider when making a rollover decision include (among other things) the differences in: (1) investment options, (2) fees and expenses, (3) services, (4) penalty-free withdrawals, (5) creditor protection in bankruptcy and from legal judgments, (6) required minimum distributions or “RMDs,” (7) the Tax Treatment of Employer Stock, and (8) the availability of plan loans (e.g., loans are not permitted from IRAs, and the availability from an employer’s qualified retirement plan will depend on the terms of the plan.)
LIFE INSURANCE: Life’s risks can affect the efficiency of a thoughtfully developed plan. We proactively help address these concerns in a number of ways, ranging from insurance reviews to liquidity strategies.
RETIREMENT PLANNING: From IRAs to RMDs, we manage the complexities of your retirement plan assets, helping you easily transition to the next phase of your life with security and confidence.
401(k) ROLLOVERS: If you have a 401(k) from a previous job, we make it easy to consolidate your assets into one account so you can monitor your progress and results all in one place.
ALTERNATIVE INVESTMENTS: Morgan Stanley’s global network affords us the ability to offer suitable clients a wide array of alternative investments to consider – from private equities and exchange funds to hedge funds and real estate investments. Our recommendations are based on your own goals and risk tolerance.
BUSINESS SUCCESSION PLANNING: We understand your succession in the context of your overall financial picture and work closely with your other advisors to help ensure your priorities are reflected in your succession strategy.
Disclosure:
Typically, a retirement plan participant leaving an employer's plan has the following four options (and may be able to use a combination of these options depending on their employment status, age and the availability of the particular option):
1. Cash out the account value and take a lump sum distribution from the current plan subject to mandatory 20% federal income tax withholding, as well as potential income taxes and 10% early withdrawal penalty tax, or continue tax deferred growth potential by doing one of the following:
2. Leave the assets in the former employer’s plan (if permitted)
3. Roll over the retirement assets into the new employer’s qualified plan, if one is available and rollovers are permitted, or
4. Roll over the retirement savings into an IRA
Other factors to consider when making a rollover decision include (among other things) the differences in: (1) investment options, (2) fees and expenses, (3) services, (4) penalty-free withdrawals, (5) creditor protection in bankruptcy and from legal judgments, (6) required minimum distributions or “RMDs,” (7) the Tax Treatment of Employer Stock, and (8) the availability of plan loans (e.g., loans are not permitted from IRAs, and the availability from an employer’s qualified retirement plan will depend on the terms of the plan.)
Modern Wealth Management Tools
Here at the firm, we strive to ensure we serve our clients on market-leading technology platforms that are resilient, safe, efficient, smart, fast and flexible. Our comprehensive suite of digital tools are designed to help enhance various aspects of your financial life. Here are a few of the technologies we have to offer our clients.
Morgan Stanley Online & Mobile App
Your investments and everyday finances are always just a few clicks away with Morgan Stanley Online (MSO) and the Morgan Stanley Mobile App.
Get Started With MSO
Total Wealth View
Complete your financial picture with Total Wealth View. By linking your account information, you will benefit from more informed wealth planning, more secure data access, and convenient connectivity.
Learn More About Total Wealth View
Digital Vault
Digital Vault lets you easily and securely manage and share important documents such as account statements, authorizations, tax filings and other relevant documents with your Financial Advisor.
Access Digital Vault
eAuthorizations
With eAuthorizations, you can electronically authorize domestic and international, one-time/recurring transactions through Morgan Stanley Online and the Morgan Stanley Mobile App within minutes.
Enroll In Authorizations
Online Security Center
Learn about our latest security measures, how we are safeguarding your assets and personal information and find actionable insights and resources on important cybersecurity topics to enhance your own online security.
Learn More About Online Security Center
Portfolio Risk Platform
Our Portfolio Risk Platform, backed by institutional-caliber analytics, assesses thousands of risk factors using a holdings-based approach to assess a portfolio’s exposures, analyze how securities behave together across portfolios and forecast how they influence risk and return moving forward.
Learn More About Portfolio Risk PlatformVALUABLE TOOLS AND RESOURCES
We believe financial education leads to better insights into our investment strategy and discipline, and ultimately, better long-term decisions. As a result, we are committed to providing you with important information about managing your wealth more effectively in today’s global markets.
We have assembled the following resources that reinforce the fundamental investment strategies and concepts of our practice. We’ve provided links to these materials, where available, and hope you’ll return often to learn more about the topics that impact your overall wealth.
We have assembled the following resources that reinforce the fundamental investment strategies and concepts of our practice. We’ve provided links to these materials, where available, and hope you’ll return often to learn more about the topics that impact your overall wealth.
2025 Tax Tables
This helpful resource outlines the 2025 tax rate schedule, education and health savings account limits, retirement contribution and deduction limits, among other information. With tax season seemingly always right around the corner, it's best to be as informed as possible.
Access the 2025 Federal Tax Tables
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.
Check Out the Latest EpisodeAddressing Cybercrime
In a world that is now more virtual than ever, staying safe online is nothing short of paramount. Take advantage of these helpful hints on how to tell if you've been hacked.
Learn More
Lessons in Leadership
Morgan Stanley frequently invites influential figures in the sports, music, and entertainment industries to give talks regarding their careers and experiences with leadership.
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.
Learn More About MS Reserved
Retirement Planning
It’s important to determine how much money you may need to save for a comfortable retirement. Here are three strategies that can help you optimize your 401(k) plan.
Explore Strategies
The Fredericktowne Group
Forbes Best-In-State Wealth Management Teams: 2024, 2025
Matt McGreevy
Forbes Best-In-State Wealth Advisor: 2022, 2023, 2024
Philanthropist of the Year – YMCA of Frederick County: 2019
Hood College Board of Trustees
Master's Club Membership
Philanthropist of the Year – YMCA of Frederick County: 2019
Hood College Board of Trustees
Master's Club Membership
Justin Saloom
Forbes Next-Gen Best-In-State Wealth Advisors: 2019
Forbes Top Next-Gen Wealth Advisors: 2018
Century Club Membership
Forbes Top Next-Gen Wealth Advisors: 2018
Century Club Membership
Tom Evich
Promotion to Senior Vice President
Portfolio Management Director Accreditation
Portfolio Management Director Accreditation
Benjamin Seibert
Pacesetter's Club Membership: 2024
Board Member for the Frederick Branch of the University of Maryland Alumni Network
Board Member for the Frederick Branch of the University of Maryland Alumni Network
Nicole Milor
Promotion to Portfolio Associate
Anita Coffman
Completed 25 years at the firm
Location
30 W Patrick Street
7th Fl
Frederick, MD 21701
US
Direct:
(301) 631-7138(301) 631-7138
Toll-Free:
(800) 634-0072(800) 634-0072
Meet The Fredericktowne Group
Phone:
(301) 631-7110(301) 631-7110
Senior Vice President, Financial Advisor, CERTIFIED FINANCIAL PLANNER®, Family Wealth Advisor
Phone:
(301) 631-7102(301) 631-7102
Phone:
(301) 631-7107(301) 631-7107
Anita J. Coffman
Wealth Management Associate, Financial Planning Specialist, Vice President
Phone:
(301) 696-8264(301) 696-8264
Nicole Milor
Portfolio Associate
Phone:
(301) 631-7138(301) 631-7138
About Matthew C. McGreevy
Matt McGreevy started his career in the securities industry in 1997. Matt is the leader of the Fredericktowne Group at Morgan Stanley and coordinates the many services that are provided. He manages individual portfolios for High Net-Worth Investors and has earned the designation of Portfolio Management Director with the firm. He was also recognized as a Forbes Best-In-State Wealth Advisor in 2022 and 2023.
Matt is a lifelong Fredericktonian and believes in giving back to the community. Currently he is on the Board of Trustees at Hood College and previously served as an adjunct professor and the advisor to the Blazing Alpha Fund, the student run portion of Hood College’s Endowment. Matt was recognized as the 2019 Philanthropist of the year at the YMCA for Frederick County. He currently holds or has held various positions in local organizations including the Carroll Creek Rotary Club, Goodwill of Monocacy Valley, The Community Foundation of Frederick County, and The City of Frederick’s Parks and Recreation Commission. Matt holds a Bachelor’s Degree in Business Administration from Western Maryland College (now McDaniel College).
2022, 2023 Forbes Best-In- State Wealth Advisors
Source: Forbes.com (Awarded 2022, 2023). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
Matt is a lifelong Fredericktonian and believes in giving back to the community. Currently he is on the Board of Trustees at Hood College and previously served as an adjunct professor and the advisor to the Blazing Alpha Fund, the student run portion of Hood College’s Endowment. Matt was recognized as the 2019 Philanthropist of the year at the YMCA for Frederick County. He currently holds or has held various positions in local organizations including the Carroll Creek Rotary Club, Goodwill of Monocacy Valley, The Community Foundation of Frederick County, and The City of Frederick’s Parks and Recreation Commission. Matt holds a Bachelor’s Degree in Business Administration from Western Maryland College (now McDaniel College).
2022, 2023 Forbes Best-In- State Wealth Advisors
Source: Forbes.com (Awarded 2022, 2023). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
Securities Agent: KY, AR, MD, HI, AZ, WA, TX, OR, WV, VA, ND, ME, CO, UT, RI, MI, FL, CA, MO, VT, NJ, IL, DE, TN, OH, ID, DC, SC, CT, AL, PA, OK, NY, NV, NM, MA, GA, NC, MN, LA, IN; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1312605
NMLS#: 1312605
About Thomas P. Evich
Tom Evich began his career as a Financial Advisor in 1994 with Merrill Lynch. Tom is one of the founding Financial Advisors to start the Frederick Smith Barney office in 1998. With a background in financial planning, Tom’s focus for The Fredericktowne Group at Morgan Stanley lies in retirement distribution planning. A graduate of the University of Maryland, Tom has served as a member of various community associations.
He and his wife, Diane, live in Middletown, MD. They were awarded lifetime membership to The Middletown Valley Athletic Association for their 25 years of service.
He and his wife, Diane, live in Middletown, MD. They were awarded lifetime membership to The Middletown Valley Athletic Association for their 25 years of service.
Securities Agent: LA, IL, MI, FL, DC, MO, WV, UT, OR, NM, NC, GA, CT, CO, NH, IN, TX, WA, VT, SC, KY, DE, TN, RI, ND, HI, PA, OK, MD, MA, AR, VA, ME, ID, AL, OH, NY, NJ, MN, CA, AZ, NV; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1288070
NMLS#: 1288070
About Justin E. Saloom
Justin Saloom entered into the investment business in 2011. His desire to help individuals, families, and businesses obtain their financials goals led him away from a prior career with a large international manufacturing company. There he obtained hands on experience in management, engineering, and procurement roles, all while obtaining his Master Degree in Business Administration (MBA), from Frostburg State University. Justin also holds an undergraduate degree in Mathematics from St. Mary’s College of MD and the accreditation of Certified Financial Planner®. He and his predecessor of The Longwell Saloom Group, partnered with The Fredericktowne Group in 2016. In 2018 Justin received the FORBES Top Next-Gen Wealth Advisor Award and in 2019 the FORBES Next-Gen Best in State Wealth Advisor Award.
Justin lives in Frederick with his wife, Krista and their two sons.
2018, 2019 Forbes America’s Top Next-Gen Wealth Advisors & Top Next-Gen Wealth Advisors Best-in-State(formerly referred to as Forbes America's Top Next-Gen Wealth Advisors, Forbes Top 1,000 Next-Gen Wealth Advisors, Forbes Top 500 Next Generation Wealth Advisors)
Source: Forbes.com (Awarded 2018, 2019). Data compiled by SHOOK Research LLC based on 12-month period concluding in Mar of the year the award was issued.
Justin lives in Frederick with his wife, Krista and their two sons.
2018, 2019 Forbes America’s Top Next-Gen Wealth Advisors & Top Next-Gen Wealth Advisors Best-in-State(formerly referred to as Forbes America's Top Next-Gen Wealth Advisors, Forbes Top 1,000 Next-Gen Wealth Advisors, Forbes Top 500 Next Generation Wealth Advisors)
Source: Forbes.com (Awarded 2018, 2019). Data compiled by SHOOK Research LLC based on 12-month period concluding in Mar of the year the award was issued.
Securities Agent: NM, VA, MD, AR, VT, MN, IL, DE, DC, MO, LA, WA, SC, RI, AZ, PA, IN, IA, HI, CT, CA, AL, OR, NV, MI, KY, GA, FL, NY, ND, ME, WV, UT, TX, TN, OK, OH, NJ, NC, MA, ID, CO; General Securities Representative; Investment Advisor Representative
NMLS#: 1262298
NMLS#: 1262298
About Benjamin Seibert
Ben Seibert joined Morgan Stanley in 2021 as a Financial Advisor with The Fredericktowne Group at Morgan Stanley. Prior to joining the team, he spent four years as an engineer with WSP, Inc. in Baltimore, MD, before recognizing his passion was in helping others with financial planning and investment management. Ben graduated from the University of Maryland with a B.S. in Civil Engineering and completed the QUEST Honors Program. He is a graduate of Leadership Frederick County (Class of 2022) and serves on the Development & Marketing Committee for the Mental Health Association. Ben is also the Board President of the Frederick County Gathering of Eagle Scouts.
He, his wife, Erica, and their son, John, live in Frederick, MD with their golden retriever, Scout. Outside of the office, he enjoys spending time with family, traveling, hiking, and golfing.
He, his wife, Erica, and their son, John, live in Frederick, MD with their golden retriever, Scout. Outside of the office, he enjoys spending time with family, traveling, hiking, and golfing.
Securities Agent: WV, VT, OR, OH, NY, IA, OK, MO, DC, VA, IN, UT, ND, KS, FL, ME, HI, GA, CT, CO, LA, IL, CA, AZ, AR, AL, NV, NM, NJ, MI, MD, MA, KY, DE, TN, RI, PA, MN, WA, TX, NC, SC; General Securities Representative; Investment Advisor Representative
NMLS#: 2153570
CA Insurance License #: 4213482
NMLS#: 2153570
CA Insurance License #: 4213482
About Anita J. Coffman
Anita Coffman brings over 23 years of financial services experience and knowledge to the Fredericktowne Group. She began her career at Legg Mason, a predecessor firm of Morgan Stanley, in 1998. Anita joined The Fredericktown Group in 2012 and manages the day to day operations of the team. Her focus is developing strong client relationships and providing the highest level of service. Anita has held various operational and management positions during her tenure with Morgan Stanley and its predecessors. Prior to joining The Fredericktowne Group she served as Complex Service Manager for the Central Maryland Complex.
Anita was born in Illinois where she was raised on her family’s farm. She currently lives in Myersville, MD with her husband Andy and their two daughters, Taylor and Rachel. She keeps busy with her daughter’s activities and enjoys supporting the Middletown sports community. Anita and her family love to spend time relaxing at the beach.
Anita was born in Illinois where she was raised on her family’s farm. She currently lives in Myersville, MD with her husband Andy and their two daughters, Taylor and Rachel. She keeps busy with her daughter’s activities and enjoys supporting the Middletown sports community. Anita and her family love to spend time relaxing at the beach.
About Nicole Milor
Nicole Milor began her career with Morgan Stanley in 2015 and joined the Fredericktowne Group in 2016. A graduate of University of Maryland University College with a BA in Psychology, Nicole is a member of The International Honor Society for the Social Sciences and The National Society of Leadership and Success. Nicole works directly with clients to facilitate administrative and operational tasks while maintaining the highest level of customer care.
Nicole lives in Frederick with her husband, two children, and two dogs. She enjoys volunteering her time in the Frederick community and currently serves as a Board Member for Celebrate Frederick.
Nicole lives in Frederick with her husband, two children, and two dogs. She enjoys volunteering her time in the Frederick community and currently serves as a Board Member for Celebrate Frederick.
Contact Matthew C. McGreevy
Contact Thomas P. Evich
Contact Justin E. Saloom
Contact Benjamin Seibert
Wealth Management
From Our Team
Are You Prepared for Tax Day?
Wealth Management
Global Investment Office
Portfolio Insights
Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
Are You Prepared for Tax Day?
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Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Financial Planning for Life After Selling a Business
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Philanthropy
Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
- Foundations
- Donor Advised Funds
- Impact Investing
Donor Advised Funds: A Smart Way to Manage Your Giving
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Financial Wellness
Enhancing Financial Wellness enables your workforce to do their best work. Companies that invest in financial wellness have an opportunity to:
- Reduce employee stress,
- Improve retention and engagement, and
- Set themselves apart by offering comprehensive financial wellness benefits.
Ready to start a conversation? Contact The Fredericktowne Group today.
Certified Financial Planner Board of Standards, Inc. (CFP Board) owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™, and CFP® (with plaque design) in the United States, which it authorizes use of by individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
2Morgan 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.
3Morgan 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.
4Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
5Alternative 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.
6When 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.
7Morgan 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.
8Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
9Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
10Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
11When 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.
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.
13Morgan 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.
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.
2Morgan 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.
3Morgan 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.
4Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
5Alternative 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.
6When 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.
7Morgan 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.
8Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
9Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
10Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
11When 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.
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.
13Morgan 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.
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)
