Senior Vice President, Wealth Management, Financial Advisor, CERTIFIED FINANCIAL PLANNER®, Lending Specialist
Phone:
(248) 723-1825(248) 723-1825
The Jacobs Group at Morgan Stanley
Toll-Free:
(800) 334-8866(800) 334-8866
Our Mission Statement
Experience, intellectual capital and dedicated personal service to help you meet your life goals
Our Story
As life becomes more complicated, sound financial advice becomes even more important as you pursue your personal and professional goals. Collaborating with a seasoned advisory team can help simplify your life, so you can focus on what truly matters to you and your family.
At The Jacobs Group at Morgan Stanley, we believe wealth is about more than the size of your bank account. It’s about your life and the people and passions that give your life purpose.
We combine the world-class resources and oversight of a premium global firm with the intimate relationship you expect from a specialty practice. Tom has earned the rigorous CERTIFIED FINANCIAL PLANNER™ designation and is one of about 5% of the Financial Advisor at Morgan Stanley (as of 12.31.23) who has been named a Family Wealth Director. These industry credentials set us apart as a seasoned advisory team who is committed to delivering personalized service and innovative thinking.
As an experienced team of caring professionals, we are committed to helping you understand and overcome the distractions of challenging markets, while strengthening your family’s financial security now and for generations to come. We are proud of the services and strategies we provide each client and welcome the opportunity to deliver this same level of excellence to you and your family.
At The Jacobs Group at Morgan Stanley, we believe wealth is about more than the size of your bank account. It’s about your life and the people and passions that give your life purpose.
We combine the world-class resources and oversight of a premium global firm with the intimate relationship you expect from a specialty practice. Tom has earned the rigorous CERTIFIED FINANCIAL PLANNER™ designation and is one of about 5% of the Financial Advisor at Morgan Stanley (as of 12.31.23) who has been named a Family Wealth Director. These industry credentials set us apart as a seasoned advisory team who is committed to delivering personalized service and innovative thinking.
As an experienced team of caring professionals, we are committed to helping you understand and overcome the distractions of challenging markets, while strengthening your family’s financial security now and for generations to come. We are proud of the services and strategies we provide each client and welcome the opportunity to deliver this same level of excellence to you and your family.
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Clientele
Our clients are much more than a portfolio of assets. They are busy individuals and families with active lives, who seek a team of dedicated professionals who provide them with tailored, objective guidance on a full range of financial topics.
Since 1977, we have developed a strong and collaborative practice that includes a diverse group of clients, including:
• Families spanning multiple generations, including parents, siblings, children and grandchildren
• Self-made entrepreneurs and business owners in the manufacturing, construction and agricultural industries
• Successful medical and legal professionals
• Retirees and individuals planning for retirement
• Women seeking guidance for themselves and their families
• Referrals from existing clients and industry professionals
While each client has unique goals and circumstances, they all have one thing in common: The desire to simplify their finances and develop an integrated wealth strategy. We strive to provide the knowledge and insights they need to succeed in today’s fast-paced world, so they may enjoy their wealth and leave the legacy they desire.
Since 1977, we have developed a strong and collaborative practice that includes a diverse group of clients, including:
• Families spanning multiple generations, including parents, siblings, children and grandchildren
• Self-made entrepreneurs and business owners in the manufacturing, construction and agricultural industries
• Successful medical and legal professionals
• Retirees and individuals planning for retirement
• Women seeking guidance for themselves and their families
• Referrals from existing clients and industry professionals
While each client has unique goals and circumstances, they all have one thing in common: The desire to simplify their finances and develop an integrated wealth strategy. We strive to provide the knowledge and insights they need to succeed in today’s fast-paced world, so they may enjoy their wealth and leave the legacy they desire.
Disciplined Process
The hallmark of our process is a commitment to building tailored strategies from the ground up. We then fine-tune them over time to help achieve your specific goals, while responding to today’s economic and fiscal challenges.
Step 1: Listen and Learn
• Understand what is important to you and your family
• Identify the values that shape your investment decisions
• Learn about your investment experience and tolerance for risk
• Identify the values that shape your investment decisions
• Learn about your investment experience and tolerance for risk
Step 2: Analyze and Assess
• Collect important financial documents
• Review your current and future financial situation
• Analyze current investment portfolio and identify any shortfalls
• Develop action plan with recommendations to help you grow and preserve your wealth
• Review your current and future financial situation
• Analyze current investment portfolio and identify any shortfalls
• Develop action plan with recommendations to help you grow and preserve your wealth
Step 3: Present and Implement
• Present appropriate investment strategies that, once executed, are designed to work together to help achieve your goals
• Upon your approval, implement investment recommendations
• Conduct a detailed financial plan to identify other wealth management strategies that may be needed to help achieve your particular long-term goals
• Upon your approval, implement investment recommendations
• Conduct a detailed financial plan to identify other wealth management strategies that may be needed to help achieve your particular long-term goals
Step 4: Deepen Our Relationship through Ongoing Service
• Set up tools to provide convenient access to your accounts
• Apply due diligence process to evaluate investment performance
• Develop a call or meeting schedule to review and track progress towards your goals
• Discuss changes in your life, adjusting your portfolio accordingly
• Apply due diligence process to evaluate investment performance
• Develop a call or meeting schedule to review and track progress towards your goals
• Discuss changes in your life, adjusting your portfolio accordingly
Core Values
We come to work every day focused on making a real difference in the lives of our clients and their families. The following core values serve as the cornerstone of our practice and underscore our commitment to an exceptional client experience.
Long-Term Relationships
We are dedicated to building deep and caring relationships. We do this by working with a select group of clients who appreciate our depth of knowledge in providing comprehensive strategies that go well beyond investments. The bonds we form are fundamental to our mission and the reason why so many clients have been with us for multiple generations.
Loyalty and Continuity
Tom has been part of the Morgan Stanley family since 1978 and has worked with Rick for more than 23 years. In a world where people move from company to company on a regular basis, our loyalty to our firm and to each other demonstrates our commitment to our clients every day.
Collaboration
We believe you are entitled to the best advice possible. As a result, we often collaborate with colleagues from across Morgan Stanley, as well as other professionals within the industry who are exceptional professionals in their fields. We work in tandem with your accountant, attorney and other advisors to gain the precise knowledge needed to help effectively manage all aspects of your wealth.
Client Advocacy
We enjoy bringing our clients together to share ideas, which often leads to new business opportunities for both parties. We truly believe that part of our role as financial advisors is to help facilitate the exchange of ideas and promote the services of our clients.
Personalized Service
We recognize every client is unique. Some require in-depth explanations of investment concepts, while others understand those concepts thoroughly and prefer a Financial Advisor with whom they can formulate strategies. We are committed to helping you achieve your goals in a manner that aligns with your expectation of a concierge experience.
Custom Strategies
We are a team led by a Family Wealth Director, we have access to special advisory services that include – and extend beyond – investment management. Our ability to evaluate possible solutions and formulate an individualized strategy based on extensive resources, credentials and education makes our process distinct. Here is a broad overview of the many capabilities we currently offer.
LIFESTYLE MANAGEMENT
• Analyze current budget, cash flow and liabilities
• Prioritize goals (e.g., college planning, buying a second home, retirement)
• Plan for any special circumstances (e.g., marriage/divorce; disability/illness; job change/job loss)
• Prioritize goals (e.g., college planning, buying a second home, retirement)
• Plan for any special circumstances (e.g., marriage/divorce; disability/illness; job change/job loss)
ASSET GROWTH AND PRESERVATION
• Evaluate current investments to determine any undue risks
• Build investment portfolio to incorporate results-driven asset allocation techniques
• Select investments that align with risk profile and time horizon
• Implement tax-efficient strategies
• Build investment portfolio to incorporate results-driven asset allocation techniques
• Select investments that align with risk profile and time horizon
• Implement tax-efficient strategies
LONGEVITY PLANNING
• Understand retirement income needs in relation to lifestyle expectations
• Review social security and pension projections
• Determine any long-term care needs
• Review social security and pension projections
• Determine any long-term care needs
RISK MANAGEMENT
• Conduct capital needs analysis
• Identify any life and disability insurance shortfalls
• Diversify highly concentrated positions
• Identify any life and disability insurance shortfalls
• Diversify highly concentrated positions
LEGACY PLANNING
• Review wills and legal documents
• Establish trusts and gifting strategies to transfer wealth across generations
• Create a legacy plan to preserve family harmony as well as assets
• Implement strategies to achieve philanthropic goals
• Establish trusts and gifting strategies to transfer wealth across generations
• Create a legacy plan to preserve family harmony as well as assets
• Implement strategies to achieve philanthropic goals
EXECUTIVE PLANNING
• Review executive benefit programs and integrate into an overall wealth plan
• Analyze stock options and concentrated positions
• Monetize available incentive compensation offerings
• Analyze stock options and concentrated positions
• Monetize available incentive compensation offerings
Location
40701 Woodward Ave.
Ste 200
Bloomfield Hills, MI 48304
US
Toll-Free:
(800) 334-8866(800) 334-8866
Meet The Jacobs Group
Thomas J Jacobs, CFP®
Managing Director, Wealth Management, Financial Advisor, Family Wealth Director, Senior Portfolio Management Director, Senior Investment Management Consultant, Lending Specialist
Phone:
(248) 723-1813(248) 723-1813
Phone:
(248) 723-1803(248) 723-1803
Leigh Ruedisueli
Portfolio Associate
Phone:
(248) 723-1861(248) 723-1861
Rick Hopper
Business Development Associate
Phone:
(248) 723-1860(248) 723-1860
Linda Hoisington
Sr Registered CSA
Phone:
(248) 723-1842(248) 723-1842
Therese A. Pippin
Portfolio Associate
Phone:
(248) 723-1875(248) 723-1875
About Kevin Pickard
Kevin Pickard is a Senior Vice President with 26 years of experience as a Financial Advisor, 21 years with Morgan Stanley. He has dedicated his career to helping others. He manages assets for ultra-high net worth individuals and multi-generational families, as well as for-profit and not-for-profit institutions. As a member of the Jacobs Group, one of the premier Morgan Stanley teams in the country with over 300 years of combined industry experience*, he helps guide our clients toward reaching their financial goals while delivering impeccable service.
Watching his father create, build, manage and sell a successful business provided Kevin with a distinctive perspective and valuable life lessons. He is very passionate and takes great pride in helping business owners address the many challenges including exit strategies such as family succession and the outright sale of a business. He has cultivated a network of leading professionals and leverages the many tools and resources of our world class firm to address these liquidity events including comprehensive tax and estate planning strategies.
As a graduate of Tiffin University and captain of the football team, he received a bachelor’s degree in business administration. Since then, he has earned several awards and designations including the CERTIFIED FINANCIAL PLANNER™ (CFP®). As a CFP, customizing a plan that is closely monitored and aligned with our client’s vision is top priority.
Kevin’s parents are cancer survivors. He is an avid supporter of cancer research and the American Cancer Society’s Relay for Life. An accomplished triathlete, Ironman, and licensed pilot he takes the same disciplined approach to his everyday life. As time allows, he enjoys spending it with family and friends at the Bay Harbor Yacht Club and Bay Harbor Golf Club.
Kevin.P.Pickard@morganstanley.com
248-723-1825
NMLS#1293931
*For more information about individual years of experience please visit our website at:
The Jacobs Group | Bloomfield Hills, MI | Morgan Stanley Wealth Management
Morgan Stanley Smith Barney LLC 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 visit us at http://www.morganstanleyindividual.com or consult with your Financial Advisor to understand these differences.
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. 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.
Morgan Stanley Smith Barney LLC. Member SIPC.
CRC3845800 9/24
Watching his father create, build, manage and sell a successful business provided Kevin with a distinctive perspective and valuable life lessons. He is very passionate and takes great pride in helping business owners address the many challenges including exit strategies such as family succession and the outright sale of a business. He has cultivated a network of leading professionals and leverages the many tools and resources of our world class firm to address these liquidity events including comprehensive tax and estate planning strategies.
As a graduate of Tiffin University and captain of the football team, he received a bachelor’s degree in business administration. Since then, he has earned several awards and designations including the CERTIFIED FINANCIAL PLANNER™ (CFP®). As a CFP, customizing a plan that is closely monitored and aligned with our client’s vision is top priority.
Kevin’s parents are cancer survivors. He is an avid supporter of cancer research and the American Cancer Society’s Relay for Life. An accomplished triathlete, Ironman, and licensed pilot he takes the same disciplined approach to his everyday life. As time allows, he enjoys spending it with family and friends at the Bay Harbor Yacht Club and Bay Harbor Golf Club.
Kevin.P.Pickard@morganstanley.com
248-723-1825
NMLS#1293931
*For more information about individual years of experience please visit our website at:
The Jacobs Group | Bloomfield Hills, MI | Morgan Stanley Wealth Management
Morgan Stanley Smith Barney LLC 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 visit us at http://www.morganstanleyindividual.com or consult with your Financial Advisor to understand these differences.
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. 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.
Morgan Stanley Smith Barney LLC. Member SIPC.
CRC3845800 9/24
Securities Agent: ID, VA, NC, IA, CA, AZ, MI, MD, MA, MT, TN, NY, NM, IN, GA, NH, MN, IL, DC, CO, OR, CT, WY, WI, TX, SC, OH, MO, HI, FL; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1293931
NMLS#: 1293931
About Thomas J Jacobs
Thomas J. Jacobs has dedicated his entire career to serving the financial needs of individuals, families and small business owners in the Detroit area and across the country. His comprehensive approach includes a thorough planning process, customized strategies and a commitment to providing superior service. Tom is proud to be a member of Morgan Stanley’s Bloomfield Hills branch, having been part of the firm’s history and its predecessor brands for more than 41 years.
In 1987, he earned the designation of Certified Financial Planner™ (CFP®) and throughout his career at Morgan Stanley has received important firm credentials, including Managing Director, Family Wealth Director (only 5% of the firm has this designation), Portfolio Management Director, and Senior Investment Management Consultant. He is a graduate of Western Michigan University’s Hayworth School of Business.
Tom is committed to continuing education, a cornerstone of his dynamic wealth management practice. This enables him to remain on the forefront of the latest and most effective wealth management strategies to deliver a more powerful client experience. Tom works with a broad range of clients that include multigenerational family businesses, professionals in the legal and healthcare industry and professional athletes.
With a deep commitment to ongoing, tailored advice, Tom makes each client’s priorities his own. He works diligently to demystify the planning and investment process by understanding each client’s values and objectives and articulating the key activities needed to help achieve each goal. Most importantly, Tom focuses on creating long-term, trusting relationships to help his clients simplify their lives, so they may enjoy the wealth they have created and leave the legacy they desire.
Tom’s passion for helping clients achieve their goals is equaled only by his commitment to his community and his colleagues. He is a past member of the Lourdes Senior Community in Waterford, Michigan and a member and past chairman of the Directors Advisory Group at Smith Barney. In his free time, Tom enjoys golfing, shooting sporting clays and spending time with family and friends. He is a member of the Inverness Country Club in Toledo, Ohio and The Huntsman Hunt Club in Dryden, Michigan.
Thomas.J.Jacobs@morganstanley.com
248-723-1813
In 1987, he earned the designation of Certified Financial Planner™ (CFP®) and throughout his career at Morgan Stanley has received important firm credentials, including Managing Director, Family Wealth Director (only 5% of the firm has this designation), Portfolio Management Director, and Senior Investment Management Consultant. He is a graduate of Western Michigan University’s Hayworth School of Business.
Tom is committed to continuing education, a cornerstone of his dynamic wealth management practice. This enables him to remain on the forefront of the latest and most effective wealth management strategies to deliver a more powerful client experience. Tom works with a broad range of clients that include multigenerational family businesses, professionals in the legal and healthcare industry and professional athletes.
With a deep commitment to ongoing, tailored advice, Tom makes each client’s priorities his own. He works diligently to demystify the planning and investment process by understanding each client’s values and objectives and articulating the key activities needed to help achieve each goal. Most importantly, Tom focuses on creating long-term, trusting relationships to help his clients simplify their lives, so they may enjoy the wealth they have created and leave the legacy they desire.
Tom’s passion for helping clients achieve their goals is equaled only by his commitment to his community and his colleagues. He is a past member of the Lourdes Senior Community in Waterford, Michigan and a member and past chairman of the Directors Advisory Group at Smith Barney. In his free time, Tom enjoys golfing, shooting sporting clays and spending time with family and friends. He is a member of the Inverness Country Club in Toledo, Ohio and The Huntsman Hunt Club in Dryden, Michigan.
Thomas.J.Jacobs@morganstanley.com
248-723-1813
Securities Agent: WA, DC, TX, HI, SC, OR, MD, IL, FL, CO, GA, MT, WI, MN, ID, CT, VA, NM, NH, IA, OH, IN, CA, MI, AZ, NY, NC, MO, MA; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 1370992
NMLS#: 1370992
About Eric Jonas
Eric has been working with families and businesses on a variety of financial topics throughout his professional career. As a Financial Planning Specialist, Certified Public Accountant designation holder (non-practicing), Eric has a particular understanding of the financial complexity facing small businesses and high net worth families. As a member of the Jacobs Group at Morgan Stanley, Eric now focuses on financial planning strategies related to Family and Corporate Wealth Management. Based on his prior tax experience, a focus of Eric’s is tax-efficient wealth strategies. Even a slight increase in tax-efficiency can make a significant difference over many years.
Eric has a Bachelor’s in Accounting from Michigan State University in East Lansing, Michigan, and a Masters of Science in Taxation from Walsh College in Troy, Michigan.
Eric’s commitment to continuing education allows him to advise clients on innovative ideas in an ever-changing landscape. Eric finds tremendous value for clients when The Jacobs Group works closely with their tax advisor when formulating financial planning strategies. Eric works with a broad range of clients including multi-generational family businesses and their owners, high net worth families, and young professionals.
Eric strives to bring the resources available through the Morgan Stanley platform to the forefront for our clients. This includes financial planning tools, banking/lending, insurance, and investment strategies. What Eric enjoys the most is seeing the planning strategies come together to create a positive impact on multiple family generations.
Eric enjoys spending time with his wife, family, and friends. In his free time, he enjoys outdoor activities such as skiing, soccer, and biking.
Eric.Jonas@morganstanley.com
248-723-1803
Eric has a Bachelor’s in Accounting from Michigan State University in East Lansing, Michigan, and a Masters of Science in Taxation from Walsh College in Troy, Michigan.
Eric’s commitment to continuing education allows him to advise clients on innovative ideas in an ever-changing landscape. Eric finds tremendous value for clients when The Jacobs Group works closely with their tax advisor when formulating financial planning strategies. Eric works with a broad range of clients including multi-generational family businesses and their owners, high net worth families, and young professionals.
Eric strives to bring the resources available through the Morgan Stanley platform to the forefront for our clients. This includes financial planning tools, banking/lending, insurance, and investment strategies. What Eric enjoys the most is seeing the planning strategies come together to create a positive impact on multiple family generations.
Eric enjoys spending time with his wife, family, and friends. In his free time, he enjoys outdoor activities such as skiing, soccer, and biking.
Eric.Jonas@morganstanley.com
248-723-1803
Securities Agent: IA, NH, CT, HI, GA, ID, DC, FL, OH, MT, VA, SC, NY, MA, IL, CO, CA, AZ, OR, NV, NC, MN, WI, TX, MO, WA, NM, MI, MD, IN; General Securities Representative; Investment Advisor Representative
NMLS#: 2221470
NMLS#: 2221470
About Leigh Ruedisueli
Leigh has been a member of the Jacobs Group at Morgan Stanley for more than 26 years. She leads the team’s client servicing activities. She helps to ensure that our client’s experience is personalized and exceptional. Her vast knowledge and experience enable her to be a valuable resource for resolving complex client issues.
Leigh earned the Portfolio Associate designation from Morgan Stanley. She holds the Series 7 and 63 securities licenses.
Leigh graduated from Central Michigan University with a Bachelor of Science Degree. She resides in Oxford Michigan with her family.
Leigh.E.Ruedisueli@morganstanley.com
248-723-1861
Leigh earned the Portfolio Associate designation from Morgan Stanley. She holds the Series 7 and 63 securities licenses.
Leigh graduated from Central Michigan University with a Bachelor of Science Degree. She resides in Oxford Michigan with her family.
Leigh.E.Ruedisueli@morganstanley.com
248-723-1861
About Rick Hopper
A skilled wealth management professional, Rick Hopper enjoys working with financially successful individuals and families. Providing highly personalized advice through a disciplined approach. His experience and knowledge enable him to help clients understand the intricate details of their wealth. He focuses on listening carefully to what is most important to each client, so he can assist in the development of a customized portfolio that is designed to help address their unique goals and circumstances.
Rick was introduced to the world of finance by his grandfather, the Controller at Harrison Radiator in New York who enjoyed reading The Wall Street Journal. With his grandfather as his inspiration, Rick attended and graduated from the University of Michigan with a B.A. degree in Economics in 1991.
He began his career in the financial services industry as a financial advisor at a regional firm in Alexandria, Virginia. Three years later, he met Tom Jacobs and joined his team. Over the years, Rick has played an integral role in building a successful and dynamic practice, servicing clients locally and around the country. His primary responsibilities include portfolio structuring, investment allocation development and interacting with clients about their portfolios. He has acquired his FINRA Series 7, 63, and 66 licenses, as well as his life and health insurance license.
Rick and his wife, Amy, live in Beverly Hills, Michigan with their two English bulldogs, Molly, and Abby.
Raymond.R.Hopper@morganstanley.com
248-723-1860
Rick was introduced to the world of finance by his grandfather, the Controller at Harrison Radiator in New York who enjoyed reading The Wall Street Journal. With his grandfather as his inspiration, Rick attended and graduated from the University of Michigan with a B.A. degree in Economics in 1991.
He began his career in the financial services industry as a financial advisor at a regional firm in Alexandria, Virginia. Three years later, he met Tom Jacobs and joined his team. Over the years, Rick has played an integral role in building a successful and dynamic practice, servicing clients locally and around the country. His primary responsibilities include portfolio structuring, investment allocation development and interacting with clients about their portfolios. He has acquired his FINRA Series 7, 63, and 66 licenses, as well as his life and health insurance license.
Rick and his wife, Amy, live in Beverly Hills, Michigan with their two English bulldogs, Molly, and Abby.
Raymond.R.Hopper@morganstanley.com
248-723-1860
About Linda Hoisington
As a proud member of The Jacobs Group at Morgan Stanley,
Linda is responsible for the team’s business development
activities. Additionally, Linda is responsible for resolving
extensive endeavors which may arise for our valued clients.
Linda is consistently considering opportunities and upgrades for our
unique clientele to help ensure they are taking advantage of the
resources available and to leverage the Morgan Stanley platform
to help meet their needs.
Linda has 42+ years of experience in the financial
industry, including over 30 years at Morgan Stanley.
Her previous role with Morgan Stanley included assisting
with the operations for the entire Bloomfield Hills branch,
providing Linda with invaluable knowledge. Linda is
currently a Sr. Registered Client Service Associate. She
holds Series 7, 9, 10, and 63 Securities licenses.
Linda enjoys volunteering at her late dad’s memory
care assisted living community.
Linda.Hoisington@morganstanley.com
248-723-1842
Linda is responsible for the team’s business development
activities. Additionally, Linda is responsible for resolving
extensive endeavors which may arise for our valued clients.
Linda is consistently considering opportunities and upgrades for our
unique clientele to help ensure they are taking advantage of the
resources available and to leverage the Morgan Stanley platform
to help meet their needs.
Linda has 42+ years of experience in the financial
industry, including over 30 years at Morgan Stanley.
Her previous role with Morgan Stanley included assisting
with the operations for the entire Bloomfield Hills branch,
providing Linda with invaluable knowledge. Linda is
currently a Sr. Registered Client Service Associate. She
holds Series 7, 9, 10, and 63 Securities licenses.
Linda enjoys volunteering at her late dad’s memory
care assisted living community.
Linda.Hoisington@morganstanley.com
248-723-1842
Contact Kevin Pickard
Contact Thomas J Jacobs
Contact Eric Jonas
The Power of Partnerships
By partnering with experienced individuals across wealth disciplines, Morgan Stanley Financial Advisors can align specialized resources with your custom needs and deliver strategic guidance through the familiarity and trust of existing relationships
Kristopher Johnson
Private Banker
Sally A. Cholewka, CFP®
Financial Planning Director, Vice President
Mamta Shah
Trust Specialist
About Kristopher Johnson
Kristopher Johnson is a Private Banker serving Morgan Stanley Wealth Management offices in Michigan and Ohio.
Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Kristopher began his career in financial services in 2008 and joined Morgan Stanley in 2017. Prior to joining the firm, he was a Wealth Management Banking Advisor at Bank of America Merrill Lynch. He also served as a Wealth Management Lending Officer and Sales Trainer at Bank of America Merrill Lynch.
Kristopher is a graduate of the University of Michigan, where he received a Bachelor of Arts in Political Science, and Arizona State University’s W.P. Carey School of Business, where he received his Masters of Business Administration in Finance. He lives in Rochester, Michigan with his wife. Outside of the office, Kristopher enjoys exercising, watching sports, volunteering with local organizations, and spending time with family and friends.
Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Kristopher began his career in financial services in 2008 and joined Morgan Stanley in 2017. Prior to joining the firm, he was a Wealth Management Banking Advisor at Bank of America Merrill Lynch. He also served as a Wealth Management Lending Officer and Sales Trainer at Bank of America Merrill Lynch.
Kristopher is a graduate of the University of Michigan, where he received a Bachelor of Arts in Political Science, and Arizona State University’s W.P. Carey School of Business, where he received his Masters of Business Administration in Finance. He lives in Rochester, Michigan with his wife. Outside of the office, Kristopher enjoys exercising, watching sports, volunteering with local organizations, and spending time with family and friends.
NMLS#: 630462
About Sally A. Cholewka
Sally A. Cholewka, CFP® is a Vice President and Financial Planning Director serving Morgan Stanley’s Wealth Management offices in Southeast Michigan. She is responsible for helping Financial Advisors with their clients' and prospects' financial planning needs.
Sally began her career in Financial Services in 2010 and joined Morgan Stanley in 2021. Prior to her current position, she worked as Director of Financial Planning for a group of independent financial advisors affiliated with LPL Financial. Her role for over the last decade has been to facilitate retirement income planning, tax aware positioning and estate & legacy conversations.
Sally has held her Certified Financial Planner® designation since 2017. A graduate from the University of Iowa, she proudly identifies as a “Midwesterner”, having lived or worked in Iowa, Minnesota, Illinois and Michigan. She currently lives in Shelby Township, MI with her husband and daughter. Outside of work, Sally enjoys vacationing with her family, boating, and volunteering with the SIFMA Foundation’s “InvestWrite” national writing competition for elementary age children.
Sally began her career in Financial Services in 2010 and joined Morgan Stanley in 2021. Prior to her current position, she worked as Director of Financial Planning for a group of independent financial advisors affiliated with LPL Financial. Her role for over the last decade has been to facilitate retirement income planning, tax aware positioning and estate & legacy conversations.
Sally has held her Certified Financial Planner® designation since 2017. A graduate from the University of Iowa, she proudly identifies as a “Midwesterner”, having lived or worked in Iowa, Minnesota, Illinois and Michigan. She currently lives in Shelby Township, MI with her husband and daughter. Outside of work, Sally enjoys vacationing with her family, boating, and volunteering with the SIFMA Foundation’s “InvestWrite” national writing competition for elementary age children.
About Mamta Shah
Mamta Shah is the Trust Specialist based in Chicago, covering the Midwest Region. Morgan Stanley provides a full array of personal and institutional trust services to high net worth clients of the firm. Mamta’s responsibilities include educating Financial Advisors and their clients on the open architecture trust service model and helping them identify opportunities to leverage the trust partners on the platform.
Before joining Trust Services in 2010, she was the Wealth Analyst with the Chicago based Wealth Planning Center at Morgan Stanley. Mamta was responsible for providing information and education on a full range of income and estate tax topics and concerns.
Prior to joining the Planning Center team in 2006, Mamta was Vice President of an Independent Investment Advisory Firm. She worked closely with the clients of the firm on a variety of financial planning and investment advisory services.
Mamta obtained her bachelor’s degree from Babson College with a major in Finance/Entrepreneurship. Mamta is a licensed CPA and holds a CFP® designation, She has been in the financial services industry since 1999. She is Series 7, 63, 65 and life/health insurance licensed. She is a member of the AICPA and the Illinois CPA Society. She lives in Chicago with her family.
Before joining Trust Services in 2010, she was the Wealth Analyst with the Chicago based Wealth Planning Center at Morgan Stanley. Mamta was responsible for providing information and education on a full range of income and estate tax topics and concerns.
Prior to joining the Planning Center team in 2006, Mamta was Vice President of an Independent Investment Advisory Firm. She worked closely with the clients of the firm on a variety of financial planning and investment advisory services.
Mamta obtained her bachelor’s degree from Babson College with a major in Finance/Entrepreneurship. Mamta is a licensed CPA and holds a CFP® designation, She has been in the financial services industry since 1999. She is Series 7, 63, 65 and life/health insurance licensed. She is a member of the AICPA and the Illinois CPA Society. She lives in Chicago with her family.
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Certified Financial Planner Board of Standards, Inc. (CFP Board) owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™, and CFP® (with plaque design) in the United States, which it authorizes use of by individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
1When 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.
2Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
3Morgan 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.
4Morgan Stanley’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be appropriate for you. Please see the Morgan Stanley Smith Barney LLC program disclosure brochure (the “Morgan Stanley ADV”) for more information in the investment advisory programs available. The Morgan Stanley ADV is available at www.morganstanley.com/ADV.
5Municipal bonds may not be appropriate for all investors. Income generated from an investment in a municipal bond is generally exempt from federal income taxes. Some income may be subject to state and local taxes and to the federal alternative minimum tax. Capital gains, if any, are subject to tax.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) and its Financial Advisors and Private Wealth Advisors do not provide any tax/legal advice. Consult your own tax/legal advisor before making any tax or legal-related investment decisions.
6Morgan 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.
7Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
8Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
9Morgan 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
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
1When 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.
2Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
3Morgan 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.
4Morgan Stanley’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be appropriate for you. Please see the Morgan Stanley Smith Barney LLC program disclosure brochure (the “Morgan Stanley ADV”) for more information in the investment advisory programs available. The Morgan Stanley ADV is available at www.morganstanley.com/ADV.
5Municipal bonds may not be appropriate for all investors. Income generated from an investment in a municipal bond is generally exempt from federal income taxes. Some income may be subject to state and local taxes and to the federal alternative minimum tax. Capital gains, if any, are subject to tax.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) and its Financial Advisors and Private Wealth Advisors do not provide any tax/legal advice. Consult your own tax/legal advisor before making any tax or legal-related investment decisions.
6Morgan 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.
7Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
8Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
9Morgan 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
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)