Executive Director, Wealth Management, Financial Advisor, Senior Portfolio Management Director
Phone:
(301) 696-8262(301) 696-8262
The Fredericktowne Group at Morgan Stanley
Matthew C. McGreevyThomas P. EvichJustin E. Saloom, CFP®Benjamin M. SeibertAnita J. CoffmanT. Nicole 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
- Professional Portfolio ManagementFootnote2
- Financial PlanningFootnote3
- Philanthropic ManagementFootnote4
- Retirement PlanningFootnote5
- Estate Planning StrategiesFootnote6
- Alternative InvestmentsFootnote7
- Executive Financial ServicesFootnote8
- Planning for Education FundingFootnote9
- Cash Management and Lending ProductsFootnote10
- Business Succession PlanningFootnote11
- Long Term Care InsuranceFootnote12
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.
2026 Tax Tables
This helpful resource outlines the 2026 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 2026 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.
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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 ReservedLocation
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, Portfolio Management Director
Phone:
(301) 631-7102(301) 631-7102
Phone:
(301) 631-7107(301) 631-7107
Anita J. Coffman
Vice President, Wealth Management Associate, Financial Planning Specialist
Phone:
(301) 696-8264(301) 696-8264
T. Nicole Milor
Portfolio Associate
Phone:
(301) 631-7138(301) 631-7138
About Matthew C. McGreevy
Matt McGreevy began his career in the securities industry in 1997. Matt leads The Fredericktowne Group at Morgan Stanley, where he coordinates the many services that the team provides. Focusing on managing individual portfolios for high-net-worth investors, Matt has earned the firm designation of Senior Portfolio Management Director.
Matt is a lifelong Fredericktonian and believes in giving back to the community. Matt is currently on the Board of Trustees at Hood College and has previously held roles as an adjunct professor and advisor to the Blazing Alpha Fund, the student run portion of Hood College’s Endowment. In 2019, he was recognized as the Philanthropist of the Year by the YMCA of Frederick County. Matt is actively involved in several 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).
Matt and his wife, Amy live in Frederick with their son Liam. Their two older children have both chosen a career path dedicated to service. C.J., their son, lives in Texas and serves as a police officer, while their daughter Haleigh has pursued a career in healthcare.
The individuals mentioned as the Portfolio Management Team are Financial Advisors with Morgan Stanley participating in the Morgan Stanley Portfolio Management program. The Portfolio Management program is an investment advisory program in which the client’s Financial Advisor invests the client’s assets on a discretionary basis in a range of securities. The Portfolio Management program is described in the applicable Morgan Stanley ADV Part 2, available at www.morganstanley.com/ADV or from your Financial Advisor.
In this program the client pays a wrap fee to MSWM (the “MSWM Fee”), which covers MSWM investment advisory services, custody of securities (if we are the custodian), trade execution with or through MSWM, as well as compensation to any Financial Advisor. The Portfolio Management program fees are described in the applicable Morgan Stanley ADV Part 2, available at www.morganstanley.com/ADV or from your Financial Advisor.
Matt is a lifelong Fredericktonian and believes in giving back to the community. Matt is currently on the Board of Trustees at Hood College and has previously held roles as an adjunct professor and advisor to the Blazing Alpha Fund, the student run portion of Hood College’s Endowment. In 2019, he was recognized as the Philanthropist of the Year by the YMCA of Frederick County. Matt is actively involved in several 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).
Matt and his wife, Amy live in Frederick with their son Liam. Their two older children have both chosen a career path dedicated to service. C.J., their son, lives in Texas and serves as a police officer, while their daughter Haleigh has pursued a career in healthcare.
The individuals mentioned as the Portfolio Management Team are Financial Advisors with Morgan Stanley participating in the Morgan Stanley Portfolio Management program. The Portfolio Management program is an investment advisory program in which the client’s Financial Advisor invests the client’s assets on a discretionary basis in a range of securities. The Portfolio Management program is described in the applicable Morgan Stanley ADV Part 2, available at www.morganstanley.com/ADV or from your Financial Advisor.
In this program the client pays a wrap fee to MSWM (the “MSWM Fee”), which covers MSWM investment advisory services, custody of securities (if we are the custodian), trade execution with or through MSWM, as well as compensation to any Financial Advisor. The Portfolio Management program fees are described in the applicable Morgan Stanley ADV Part 2, available at www.morganstanley.com/ADV or from your Financial Advisor.
Securities Agent: IL, DE, DC, SC, CT, AL, PA, OK, NY, NV, MA, GA, NC, OH, IN, TX, OR, MO, WV, VA, ME, CO, FL, CA, MD, HI, AZ, MT, TN, NE, IA, UT, VT, NJ, KY; 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 and was one of the founding Financial Advisors who helped establish the Frederick Smith Barney office in 1998. Tom joined The Fredericktowne Group at Morgan Stanley in 2008, bringing with him a strong background in financial planning. Known for his big-picture perspective, Tom takes a holistic approach to understanding each client’s personal and financial situation. This approach allows him to provide thoughtful guidance and advice tailored to help clients achieve their financial goals. Additionally, Tom focuses on managing portfolios for investors, a skill that has earned him the firm designation of Portfolio Management Director.
Tom holds a Bachelor’s degree from the University of Maryland.
Active in the Frederick and Middletown communities, Tom has served with several local organizations and remains a dedicated supporter of youth athletics. He is particularly proud of his time as Vice President of the Mountain Valley Youth Football League. More recently, Tom played an integral role in establishing an annual golf event that raises funds for the Middletown High School athletic department.
In recognition of 25 years of service, Tom and his wife, Diane, received lifetime membership in the Middletown Valley Athletic Association, which organizes and supports youth sports programs throughout the community. An avid golfer, Tom also shares his passion for the game through his service as President of the Middletown Golf League.
The individuals mentioned as the Portfolio Management Team are Financial Advisors with Morgan Stanley participating in the Morgan Stanley Portfolio Management program. The Portfolio Management program is an investment advisory program in which the client’s Financial Advisor invests the client’s assets on a discretionary basis in a range of securities. The Portfolio Management program is described in the applicable Morgan Stanley ADV Part 2, available at www.morganstanley.com/ADV or from your Financial Advisor.
In this program the client pays a wrap fee to MSWM (the “MSWM Fee”), which covers MSWM investment advisory services, custody of securities (if we are the custodian), trade execution with or through MSWM, as well as compensation to any Financial Advisor. The Portfolio Management program fees are described in the applicable Morgan Stanley ADV Part 2, available at www.morganstanley.com/ADV or from your Financial Advisor.
Tom holds a Bachelor’s degree from the University of Maryland.
Active in the Frederick and Middletown communities, Tom has served with several local organizations and remains a dedicated supporter of youth athletics. He is particularly proud of his time as Vice President of the Mountain Valley Youth Football League. More recently, Tom played an integral role in establishing an annual golf event that raises funds for the Middletown High School athletic department.
In recognition of 25 years of service, Tom and his wife, Diane, received lifetime membership in the Middletown Valley Athletic Association, which organizes and supports youth sports programs throughout the community. An avid golfer, Tom also shares his passion for the game through his service as President of the Middletown Golf League.
The individuals mentioned as the Portfolio Management Team are Financial Advisors with Morgan Stanley participating in the Morgan Stanley Portfolio Management program. The Portfolio Management program is an investment advisory program in which the client’s Financial Advisor invests the client’s assets on a discretionary basis in a range of securities. The Portfolio Management program is described in the applicable Morgan Stanley ADV Part 2, available at www.morganstanley.com/ADV or from your Financial Advisor.
In this program the client pays a wrap fee to MSWM (the “MSWM Fee”), which covers MSWM investment advisory services, custody of securities (if we are the custodian), trade execution with or through MSWM, as well as compensation to any Financial Advisor. The Portfolio Management program fees are described in the applicable Morgan Stanley ADV Part 2, available at www.morganstanley.com/ADV or from your Financial Advisor.
Securities Agent: NE, NC, GA, CT, CO, NH, IN, TX, MT, FL, DC, VT, SC, KY, DE, TN, RI, PA, OK, MD, MA, VA, ME, OH, NY, NJ, CA, AZ, NV, IA, WV, UT, OR; General Securities Representative; Investment Advisor Representative
NMLS#: 1288070
NMLS#: 1288070
About Justin E. Saloom
Justin began his career with Morgan Stanley in 2011, driven by a strong desire to help individuals, families and businesses achieve their financial goals. Prior to his career with Morgan Stanley, Justin worked for a large international manufacturing company, where he gained valuable experience in management, engineering, and procurement roles. In 2016, Justin and The Longwell Saloom Group partnered with The Fredericktowne Group at Morgan Stanley.
Justin holds a Master’s Degree in Business Administration Manga Cum Laude from Frostburg State University and an undergraduate degree in Mathematics from St. Mary’s College of Maryland. In 2015 Justin earned the accreditation of Certified Financial Planner™®. He is also a proud alumnus of Leadership Frederick County (Class of 2024).
Justin’s knowledge, dedication to his clients and extensive experience have earned him membership in Morgan Stanley’s prestigious Century Club, an elite group of the Firm’s top Financial Advisors recognized for outstanding performance and leadership in Wealth Management.
Committed to giving back to his community, Justin was recently elected to the Hood College Board of Trustees and currently serves on its Investment Subcommittee. Outside of his professional and civic commitments, Justin enjoys volunteering as a coach for his sons’ sports teams. Justin lives in Frederick with his wife and their two sons.
Justin holds a Master’s Degree in Business Administration Manga Cum Laude from Frostburg State University and an undergraduate degree in Mathematics from St. Mary’s College of Maryland. In 2015 Justin earned the accreditation of Certified Financial Planner™®. He is also a proud alumnus of Leadership Frederick County (Class of 2024).
Justin’s knowledge, dedication to his clients and extensive experience have earned him membership in Morgan Stanley’s prestigious Century Club, an elite group of the Firm’s top Financial Advisors recognized for outstanding performance and leadership in Wealth Management.
Committed to giving back to his community, Justin was recently elected to the Hood College Board of Trustees and currently serves on its Investment Subcommittee. Outside of his professional and civic commitments, Justin enjoys volunteering as a coach for his sons’ sports teams. Justin lives in Frederick with his wife and their two sons.
Securities Agent: MD, ME, WV, TX, TN, OK, OH, NJ, NC, MA, CO, VA, VT, NE, DE, DC, IA, UT, MT, LA, SC, AZ, PA, IN, CT, CA, OR, NV, MI, KY, GA, FL, NY; General Securities Representative; Investment Advisor Representative
NMLS#: 1262298
NMLS#: 1262298
About Benjamin M. Seibert
Ben Seibert, Vice President and Financial Advisor, joined The Fredericktowne Group at Morgan Stanley in 2021. As a partner of the Fredericktowne group, he utilizes his engineering background to provide a deep understanding of each client’s goals to construct, implement, and monitor personalized investment and planning strategies. He carefully and thoughtfully listens to his clients to help them create financial-planning strategies specifically tailored to their objectives. Knowing that the markets move quickly and are constantly changing, he focuses on long-term strategic solutions and meeting the complex financial needs of families and business organizations.
Ben was named to the Pacesetter’s Club the past three years, which is a prestigious, annual global recognition program honoring early-career Morgan Stanley Financial Advisors who demonstrate top-tier performance, professionalism, and client service.
Ben graduated from the University of Maryland with a B.S. in Civil Engineering and completed the QUEST Honors Program through the Robert H. Smith Business School. He continues to give back to the University by helping with the local chapter of their Alumni network.
Active in the local community, Ben is the current president for the Frederick County Eagle Scouts and serves as an elder and Chair of the Mission Committee at his church. He previously served on the Mental Health Association’s Development & Marketing Committee and was also a 2022 graduate of Leadership Frederick. In his free time, Ben enjoys spending time with his wife, Erica, their two children: John and Elizabeth, and golden retriever, Scout. Together they enjoy traveling, hiking, golf, and the great outdoors
Ben was named to the Pacesetter’s Club the past three years, which is a prestigious, annual global recognition program honoring early-career Morgan Stanley Financial Advisors who demonstrate top-tier performance, professionalism, and client service.
Ben graduated from the University of Maryland with a B.S. in Civil Engineering and completed the QUEST Honors Program through the Robert H. Smith Business School. He continues to give back to the University by helping with the local chapter of their Alumni network.
Active in the local community, Ben is the current president for the Frederick County Eagle Scouts and serves as an elder and Chair of the Mission Committee at his church. He previously served on the Mental Health Association’s Development & Marketing Committee and was also a 2022 graduate of Leadership Frederick. In his free time, Ben enjoys spending time with his wife, Erica, their two children: John and Elizabeth, and golden retriever, Scout. Together they enjoy traveling, hiking, golf, and the great outdoors
Securities Agent: IA, NV, NJ, MD, MA, KY, DE, TN, PA, MN, TX, NC, SC, NE, OK, DC, VA, IN, UT, ND, KS, FL, MT, IL, CA, AZ, ME, GA, CT, CO, WV, VT, PR, OR, OH, NY; 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 more than 28 years of financial services experience to The Fredericktowne Group at Morgan Stanley. Since joining the team in 2012, she has overseen its day-to-day operations while serving as a dedicated point of contact for clients. With a strong focus on relationship management, Anita works to understand each client’s needs, anticipate service priorities and deliver a seamless, highly personalized experience.
Anita began her career at Legg Mason, a predecessor firm of Morgan Stanley, in 1998. Throughout her tenure with Morgan Stanley, she has held a variety of operational and management positions that have shaped her thoughtful, solutions-oriented approach to client service. Before joining The Fredericktowne Group, Anita served as Complex Service Manager for the Central Maryland Complex. Her extensive experience, attention to detail and commitment to building lasting relationships help clients feel supported and valued at every stage of their financial journey.
Originally from Illinois, Anita was raised on her family’s farm, where she developed the strong work ethic and dedication that continue to guide her both personally and professionally. As recent empty nesters, Anita and her husband, Andy, are enjoying this new chapter. They are proud to see their two daughters, Taylor and Rachel, pursue their educational and professional goals in Southern Maryland.
Anita began her career at Legg Mason, a predecessor firm of Morgan Stanley, in 1998. Throughout her tenure with Morgan Stanley, she has held a variety of operational and management positions that have shaped her thoughtful, solutions-oriented approach to client service. Before joining The Fredericktowne Group, Anita served as Complex Service Manager for the Central Maryland Complex. Her extensive experience, attention to detail and commitment to building lasting relationships help clients feel supported and valued at every stage of their financial journey.
Originally from Illinois, Anita was raised on her family’s farm, where she developed the strong work ethic and dedication that continue to guide her both personally and professionally. As recent empty nesters, Anita and her husband, Andy, are enjoying this new chapter. They are proud to see their two daughters, Taylor and Rachel, pursue their educational and professional goals in Southern Maryland.
About T. Nicole Milor
Nicole Milor began her career with Morgan Stanley in 2015 and joined The Fredericktowne Group in 2016. As a Portfolio Associate, she plays an integral role in creating a seamless and highly personalized client experience. Nicole works closely with clients to understand their needs, anticipate service priorities and coordinate the administrative and operational details of their financial relationships. Her thoughtful approach, attention to detail and commitment to responsive service help clients feel valued, informed and well supported.
Nicole earned a Bachelor of Arts in Psychology from University of Maryland University College. She is a member of Pi Gamma Mu, the International Honor Society for the Social Sciences, and the National Society of Leadership and Success.
Dedicated to giving back to the Frederick community, Nicole previously served as Board Vice President of the Frederick High School Music Boosters and as a member of the Celebrate Frederick Board of Trustees. She continues to support the Frederick community through her volunteer efforts with various organizations.
Nicole lives in Frederick with her husband and their three dogs. She is a proud mother of two: her daughter is pursuing her education in Pittsburgh, Pennsylvania, while her son is serving in the United States Air Force in Anchorage, Alaska.
Nicole earned a Bachelor of Arts in Psychology from University of Maryland University College. She is a member of Pi Gamma Mu, the International Honor Society for the Social Sciences, and the National Society of Leadership and Success.
Dedicated to giving back to the Frederick community, Nicole previously served as Board Vice President of the Frederick High School Music Boosters and as a member of the Celebrate Frederick Board of Trustees. She continues to support the Frederick community through her volunteer efforts with various organizations.
Nicole lives in Frederick with her husband and their three dogs. She is a proud mother of two: her daughter is pursuing her education in Pittsburgh, Pennsylvania, while her son is serving in the United States Air Force in Anchorage, Alaska.
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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.
1Morgan 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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be appropriate for you. Please see the Morgan Stanley Smith Barney LLC program disclosure brochure (the “Morgan Stanley ADV”) for more information in the investment advisory programs available. The Morgan Stanley ADV is available at www.morganstanley.com/ADV.
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.
4Products and services are provided by third party service providers, not Morgan Stanley Smith Barney LLC (“Morgan Stanley”). Morgan Stanley may not receive a referral fee or have any input concerning such products or services. There may be additional service providers for comparative purposes. Please perform a thorough due diligence and make your own independent decision.
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.
5When 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.
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.
7Alternative 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.
8Morgan 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.
9When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
10Morgan 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
11Morgan 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.
12Insurance 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 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
1Morgan 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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be appropriate for you. Please see the Morgan Stanley Smith Barney LLC program disclosure brochure (the “Morgan Stanley ADV”) for more information in the investment advisory programs available. The Morgan Stanley ADV is available at www.morganstanley.com/ADV.
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.
4Products and services are provided by third party service providers, not Morgan Stanley Smith Barney LLC (“Morgan Stanley”). Morgan Stanley may not receive a referral fee or have any input concerning such products or services. There may be additional service providers for comparative purposes. Please perform a thorough due diligence and make your own independent decision.
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.
5When 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.
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.
7Alternative 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.
8Morgan 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.
9When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
10Morgan 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
11Morgan 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.
12Insurance 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 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)
