Our Guiding Principles

Planning is important - to be a light to help guide you through uncertain times

Advice should be timely - to keep you on track, and give you realistic future expectations

Understanding who you are is our priority - to listen to your concerns, and give you practical advice on how to move forward

Educated clients are our best clients - to help you understand the countless variables that affect your financial well-being and what steps to take to avoid potential roadblocks

Integrity is paramount - making suggestions based on what is best for you and your family, not for us

Keeping it simple is crucial - to present practical solutions in simple terms, and assure you're comfortable with the strategies you're invested in

Service is the only aspect of our business we can control - to deliver exceptional service and respond in a timely manner

Managing risk should be done prudently - to make sure your investments are aligned with your risk tolerance
Services Include
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*

The Legato Group Process

Our wealth management strategy is centered around you, your family, and your profession - where you are now and where you want to be in the future. We provide the structure to help you get there. Check out my process below
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    1. Discovery Process
    Where we invest the time to learn about you and your family, your assets and liabilities, and your risk exposures, which enables us to formulate strategies and customize the relationship to your needs.
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    2. Formulation of Tax, Trust and Estate Strategy
    Working with your tax and legal advisors, we help analyze your income and estate tax circumstances to identify and tailor planning techniques that may be used to address your objectives.
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    3. Creation of Customized Strategic Asset Allocation
    Your customized asset allocation reflects risk, opportunities and taxation across multiple entities, while integrating your investing and estate plans.
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    4. Integration of Tactical Asset Allocation
    Short-term adjustments seek to capitalize on temporary market distortions. Before making adjustments, we analyze the impact of taxes and trading costs on potential returns.
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    5. Implementation of a Customized Wealth Strategy
    After comprehensive due diligence and analysis of expected results across multiple market scenarios, strategies are chosen from our expansive investment platform.
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    6. Ongoing Assessment
    In coordination with your other advisors, we can conduct ongoing reviews and comprehensive reporting to ensure that your strategy adapts to changing financial and family needs.

Equity Compensation & Concentrated Stock

You may be considering tax-wise methods of diversification as a business insider with concentrated stock. As a result of constrained trading windows, you might also need liquidity for real estate acquisitions or tax obligations before it's feasible to purchase stock.

We customize our all-inclusive wealth management method to help busy professionals navigate the intricate issues surrounding their stock ownership, taking into account current liquidity demands and tax optimization to build a long-term diversification strategy.
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    Restricted Stock
    RSUs can be complex. You are awarded ownership of the company that vests at specified points in your tenure at the firm you now partially own. If/when you choose to sell, you remain responsible for associated taxes. I want to help you navigate the complexities of your vesting schedule, firm tenure, and the decision to hold or sell.
    Watch This Video to Learn More
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    Stock Options
    Options are a hot topic in financial services, but to newcomers, they can be difficult to wrap your head around. They are a unique strategy to grow your income, but need to fit within your broader strategy. We can discuss that high level strategy to achieve your goals based on your investment preferences and comfort. In this conversation, we can decide if stock options are right for you.
    Watch This Video to Learn More
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    10b5-1 Plans
    For executives who want the freedom to sell through open and closed windows, whether at market or predetermined limit prices, 10b5-1 plans are preset diversifications. A written trading strategy called the 10b5-1 plan, which is approved by legal counsel and carried out by a third party, offers business insiders an affirmative defense against accusations of insider trading.
    Learn More About 10b5-1 Plans
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    Exchange Funds
    Exchange Funds offer tax-deferred diversification without producing the taxable gains generally associated with diversification because the exchange occurs inside a tax-deferred vehicle that has been permitted by the IRS. By building a targeted portfolio for Exchange Funds, portfolio managers are able to ensure that each contributor of concentrated stock will finally receive a pro-rata allocation of the portfolio while keeping their original basis.
    Learn More About Exchange Funds
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    Donor Advised Funds
    Donor advised funds are among the easiest and most
    tax-advantaged ways to give to charity for donors across the spectrum of wealth.While many individuals and
    families have a deep commitment to philanthropy, charitable giving is not limited to
    those with significant wealth. One of the highest human desires is charitable giving, which is embedded in the cultures among many organizations, nations, and society.
    Learn More About Portfolio Lines
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    Equity Compensation 101
    When you own company equity, you become a shareholder in your company. Equity programs vary widely, so it's important to understand the details and how it fits into your financial plan.
    Click Here to Learn More
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    Employee Stock Purchase Plans (ESPP)
    The discounts offered in ESPPs can be attractive, but the decision to get involved is a big one, that we can navigate together. We first want to assess how your company calculates the discount and how the purchase schedule can affect your investment. We want to think this through because, once your securities are your own, if you decide to sell, you may have taxable income equal to that discount.
    Watch This Video to Learn More
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    Evaluating Readiness
    Create goals-based financial plan to determine the income you will need to support your business and lifestyle. We want to make sure you have a formal valuation of your business conducted and determine whether after-tax proceeds can meet sale income needs.
    Learn More
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    Pre-Monetization Preparation
    Examine Different Monetization paths and develop a plan for managing post-transactions liquidity
    Monetization Planning
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    Transaction Execution
    Aim to identify well- capitalized buyers willing to fund growth and who seek market entry or market share, new technology or other competitive advantage through acquisition.
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    Post-Liquidity Planning
    Implement A customized wealth management plan that encompasses investment strategy, liability management and multi generational legacy considerations
We believe that developing a personalized financial plan will serve as a road map for future decision making. Each client and situation is unique, but there are some goals more frequently expressed and uncovered through this process that may apply to you:

• Planning for retirement or sustaining a retirement lifestyle, if you are already retired

• Funding children's or grandchildren's education expenses

• Examining employee stock-option issues

• Preserving wealth through estate planning strategies

By working from the financial plan we develop together, we can help you identify potential gaps in funding your goals and review alternatives for pursuing them that may be appropriate for you. After considering your current situation, long and short-term financial goals, and tolerance for risk, we can then recommend appropriate strategies to implement your plan.
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    Portfolio Risk Tool
    The Portfolio Risk Platform integrates the leading risk analytics engine into Morgan Stanley Wealth Management’s platform to help improve the quality, transparency, and efficiency of the end to end risk management processes for the Firm and our Clients.
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    Spending and Budgeting Tool
    One way to manage savings is by using Morgan Stanley’s Spending and Budgeting tool. This tool helps advisors monitor client cash flows across both internal and external accounts. It also tracks spending patterns and produces an income and expense analysis to help clients achieve their goals by adjusting their spending behavior when necessary.
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    Retirement Planning
    The decisions you make about your workplace retirement plan can benefit you for years to come. We’ll help you understand and put your resources to work, so you can plan, invest, and ultimately transition to retirement with confidence.
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    Small Business Planning
    You've built your business. We can help identify opportunities to realize your business potential.

Location

61 South Paramus Road
3rd Floor
Paramus, NJ 07652
US
Direct:
(201) 967-6207(201) 967-6207

Meet The Legato Group

About David Jack

As the managing partner of The Legato Group, David works closely with business owners utilizing advanced planning techniques to help guide them through various stages of their life cycle. His approach working with entrepreneurs is to take the time to understand their goals and to work with them to achieve their desired exit strategy.

Their father-son team guides clients through a comprehensive process of planning, preparing and navigating ownership transitions, all aligned with their personal, financial and business goals. Since business owners typically reinvest a majority of their wealth back into their company while in operation, the sale of the business may be one of the biggest liquidity events of their lives and one that needs to be done correctly.

Having been an entrepreneur, David understands the needs and complexities that private business owners often face. Prior to his work in wealth management, he has owned and operated three private businesses in the manufacturing, telecommunications and publishing industries.

As a Certified Exit Planning Advisor®, David's goal is to connect business owners with the right professionals and resources that can help navigate the various aspects of a transition. This has lead him to become the President and founder of the New Jersey Chapter of the Exit Planning Institute®, where their main goal is to be a "group of local advisors dedicated to changing the outcome for middle market owners looking to grow, transition or exit their businesses.”
Securities Agent: NY, NH, KS, CT, VA, WI, NJ, NV, MI, FL, DE, CO, AZ, WA, OH, MA, TX, CA, PA; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 2211629

About Matthew Jack

Matthew is part of The Legato Group with his father, David. Their team places a strong emphasis on planning by taking a comprehensive 360 degree view of their client's lives. By aligning their business, financial and personal goals and understanding what is most important to their clients, they are better positioned to offer practical advice to help achieved the optimal desired outcome.

Exit planning is a major focus of their practice as they help guide business owners through a well-defined process of maximizing the value of their business upon exiting, selling or transferring their interests to another party. Although managing investments is a main facet of what they do, there are many other areas of their client's lives that need to be well-aligned to successfully accomplish their goals.

Matthew graduated from the University of Vermont and is actively involved with the Alumni Association. He on the Board of the Estate Planning Council of Bergen County and is a co-founder of the New Jersey Chapter of the Exit Planning Institute which was launched in August of 2019. Outside of work, he enjoys going on hikes with his wife and chocolate lab McGrupp, attending concerts as well as playing guitar and drums.
Securities Agent: VA, DE, NH, WA, FL, KS, PA, MI, NJ, CT, MA, OH, NY, AZ, CO, TX, NV, CA; General Securities Representative; Investment Advisor Representative
NMLS#: 647588
Wealth Management
Global Investment Office

Portfolio Insights

Business Planning

Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
  • Succession Planning
  • Business Planning
  • Qualified Retirement Plans
Financial Planning for Life After Selling a Business
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Financial Planning for Life After Selling a Business

Selling your business can mean big changes for your life, both personally and financially. Know how to make the most of your windfall.

Family

Creating customized financial strategies for the challenges that today’s families face.
  • Estate Planning Strategies
  • 529 Plans / Education Savings Planning
  • Long Term Care Insurance
  • Special Needs Planning
  • Trust Services
Taking Control of Your Finances After Death of a Spouse
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Taking Control of Your Finances After Death of a Spouse

Financial planning after a divorce or death can be trying, but with the right approach and the right advice you can turn a difficult situation into empowerment.

Retirement

Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
  • 401(k) Rollovers
  • IRA Plans
  • Retirement income strategies
  • Retirement plan participants
  • Annuities
4 Financially Smart Ways to Take Money Out of Retirement Accounts
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4 Financially Smart Ways to Take Money Out of Retirement Accounts

Discover how planning for required minimum distributions from retirement accounts can help you fund future needs and support loved ones.

Investing

Working closely with you to guide your wealth and investments through the most challenging market cycles.
  • Asset Management
  • Wealth Planning
  • Traditional Investments
  • Alternative Investments
  • Impact Investing
2025 Global Economic Outlook: U.S. Policies May Temper Global Growth
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2025 Global Economic Outlook: U.S. Policies May Temper Global Growth

Global growth is likely to be around 3% in 2025 and 2026, as tariff and immigration policies begin to slow the U.S. economy late next year, and China's underperformance restrains emerging markets.

Philanthropy

Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
  • Endowments
  • Foundations
  • Donor Advised Funds
  • Impact Investing
Donor Advised Funds: A Smart Way to Manage Your Giving 
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Donor Advised Funds: A Smart Way to Manage Your Giving 

There’s more to charitable giving than you may realize. Here’s one method that may be a tax-efficient way to give and can help maximize your impact.
Ready to start a conversation? Contact The Legato Group today.
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2Morgan 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.

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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.

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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.

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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.

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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.

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7Morgan Stanley’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be appropriate for you. Please see the Morgan Stanley Smith Barney LLC program disclosure brochure (the “Morgan Stanley ADV”) for more information in the investment advisory programs available. The Morgan Stanley ADV is available at www.morganstanley.com/ADV.

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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:
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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.

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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)