Sean Kearns, CIMA®
Vice President, Financial Advisor, Senior Institutional Consultant, Family Wealth Advisor
Phone:
(703) 456-6044(703) 456-6044
The McLean Tower Group at Morgan Stanley
Direct:
(703) 456-6052(703) 456-6052
Toll-Free:
(888) 386-6295(888) 386-6295
Our Mission Statement
The McLean Tower Group empowers clients to manifest change in the world through their investible assets.
ABOUT US
The McLean Tower Group at Morgan Stanley is a 4-person wealth management practice headquartered in Reston, Virginia. We take incredible pride serving our clients with a personalized, service-oriented approach, backed by a diverse and talented team.
For private clients, we advise in all areas of wealth management, including investment consulting, financial planning, tax efficient solutions, trust and estate planning strategies, cash management, and banking and lending.
In the institutional space we primarily serve mission driven organizations, enabling them to align their investments with the ethos of their mission.
With deep roots spanning three generations in the financial services industry, our longevity is proof of our experience and commitment to you and your family.
Named to the 2024 & 2025 Forbes Best-In-State Wealth Management Teams
2024 & 2025 Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded 2024 & 2025). Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of year prior to the issuance of the award.
https://www.morganstanley.com/disclosures/awards-disclosure.html
For private clients, we advise in all areas of wealth management, including investment consulting, financial planning, tax efficient solutions, trust and estate planning strategies, cash management, and banking and lending.
In the institutional space we primarily serve mission driven organizations, enabling them to align their investments with the ethos of their mission.
With deep roots spanning three generations in the financial services industry, our longevity is proof of our experience and commitment to you and your family.
Named to the 2024 & 2025 Forbes Best-In-State Wealth Management Teams
2024 & 2025 Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded 2024 & 2025). Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of year prior to the issuance of the award.
https://www.morganstanley.com/disclosures/awards-disclosure.html
GRACE IN UNITY: OUR TEAM
- Sean Kearns has spent 13 years advising both institutions and families, giving him critical knowledge in the financial markets and also on the impact of development and planned giving.
- Luc Sebrechts plays a large role in both the team’s private and institutional practice, spearheading the team’s alternative investment strategies and complex structure, and serving as a portfolio manager.
- Mike McShea advises and develops financial plans for private clients while driving the team’s marketing and relationship management efforts.
- Kelly Seekford has almost 30 years of experience leading client service and operational excellence.
Services Include
- Wealth ManagementFootnote1
- Endowments and FoundationsFootnote2
- Sustainable InvestingFootnote3
- Institutional ServicesFootnote4
- Estate Planning StrategiesFootnote5
- Trust AccountsFootnote6
- Philanthropic ManagementFootnote7
- Cash Management and Lending ProductsFootnote8
- SyndicateFootnote9
- Structured ProductsFootnote10
- Executive Benefit ServicesFootnote11
- Long Term Care InsuranceFootnote12
- Financial PlanningFootnote13
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Working With You
We believe that the critical quality you are looking for in a financial advisor is the same as what you would seek in any close, long-term relationship— someone who acts with integrity, shares your values, and puts your best interests above their own. That’s what we do: put you and your needs first. Our team is designed to provide a roadmap that constantly adapts and updates with the changing landscape of your financial journey. Whether it's helping you retire as planned, guiding you through volatile markets, or simply being there for you when times are tough, we measure our success through our ability to assist you in achieving your goals.
Step 1 - Discover - Your Needs and Objectives
Learning about your needs and objectives are key before we can provide you with advice. That's why we spend a great deal of time getting to know you and your specific situation in order to thoroughly understand your needs. We recognize the uniqueness of each institutional and individual client’s scenario and strive to leave no stone unturned in discovering what is important to you.
Step 2 - Create - Custom Investment Strategy
With extensive experience in the financial industry and backgrounds in finance, engineering, and statistics, we leverage the skills of our entire team to take a deep dive into your investment strategy and performance. We'll work with you to develop an in-depth summary of your goals and plan our systematic approach to addressing each one. From institutional consultancy and endowment services to tax optimization and generational wealth transfer plans, we use our established process to determine how you can protect, grow, and preserve your assets.
Step 3 - Propose - Unique Asset Allocation Strategy
Our clients tend to have complex financial pictures and by utilizing equally complex strategies to uncover solutions, we determine appropriate strategies to get you where you want to be and help keep you there. We tailor our product and investment recommendations to meet the needs uncovered in our discovery process. Your customized asset allocation reflects risk, opportunity, and taxation across multiple entities. This asset allocation will become the basis for a long-term strategy.
Step 4 - Implement - Execute on Your Strategy
We'll bring your plan to life. Based on the market environment and your needs, tactical short-term adjustments can be made to take advantage of opportunities. We capitalize on market distortions and analyze the impact of taxes and trading costs to optimize returns for you. This process can help to create the most efficient balance of risk and return for your specific strategy.
Step 5 - Adjust - Ongoing Wealth Assessments
We recognize and understand that over time, your needs, and objectives evolve. At the same time, markets, tax laws, and interest rates are ever-changing. Our process is designed to constantly adapt and update with the always changing landscape of your financial journey.
We meet regularly to make sure your strategy remains on track and review your progress with customized performance reporting.
We meet regularly to make sure your strategy remains on track and review your progress with customized performance reporting.
Serving Mission Driven Institutions
We take incredible pride in servicing mission driven institutions. We understand that you have worked hard to build your institutional wealth in pursuit of developing meaningful and impactful causes. That is why we are dedicated to working just as hard on your behalf, committing our experience and skills, empowering our clients to manifest change in the world through their investible assets. We strive to help you achieve your institution’s unique mission and complex financial goals in a way that aligns with your core values.
You strive to make the most of the resources that have been entrusted to you. We understand the challenges associated with integrating your beliefs and your goals, and we are well-versed in uncovering and addressing the real questions you have about the future. In short, we dedicate ourselves and our practice to helping you align institution’s mission and financial life to make a difference in the world. As stewards, we believe that the way an institution’s wealth is managed is an opportunity to express its mission, strengthen support from likeminded donors, and carry out works engrained in its culture and beliefs. Whether it is helping you build an endowment, invest to create sustainable growth, guide you through volatile markets or simply being there for you when times are tough, we measure our success through our ability to assist you in achieving your goals. We provide the structure and advice you need to make sound decisions that are consistent with your traditional values and the change that you hope to see in the world.
You strive to make the most of the resources that have been entrusted to you. We understand the challenges associated with integrating your beliefs and your goals, and we are well-versed in uncovering and addressing the real questions you have about the future. In short, we dedicate ourselves and our practice to helping you align institution’s mission and financial life to make a difference in the world. As stewards, we believe that the way an institution’s wealth is managed is an opportunity to express its mission, strengthen support from likeminded donors, and carry out works engrained in its culture and beliefs. Whether it is helping you build an endowment, invest to create sustainable growth, guide you through volatile markets or simply being there for you when times are tough, we measure our success through our ability to assist you in achieving your goals. We provide the structure and advice you need to make sound decisions that are consistent with your traditional values and the change that you hope to see in the world.
Practicing What We Preach
We view wealth as both a responsibility and a blessing that enables us to pursue our passion and our purpose. Our team brings extensive experience across institutional and consulting group services and includes a Senior Institutional Consultant, a Family Wealth Advisor, an Alternatives Director, a Portfolio Manager, a Financial Planning Specialist, and a highly selective CIMA designation. Our comprehensive approach to Institutional Wealth Management addresses all facets of your financial picture so that they work in concert to achieve what you envision for your organization, your foundation, or your institution, all the while upholding the tenets of your mission and serving the greater good.
Using Your Wealth to Create Impact
With institutional client goals ranging from $500k to $150mm+ we focus on helping you grow your business the right way. Just as you look to the tenets of your mission to guide your daily life, we use your values as a compass when making investment recommendations. We listen carefully to what is important to you, whether it is helping you screen out companies with cultures that are inconsistent with your beliefs or seeking out companies that target positive social or environmental outcomes. Based on a deep understanding of your priorities, we help you identify opportunities and risks with our proprietary tools and develop a portfolio that is customized to your preferences and views.
Financial Planning
We believe in a comprehensive financial planning process. Your financial plan goes beyond finances: it is your life, health, and family (even future generations). That is why we dedicate the time to understand your unique situation, help you articulate and define your goals, analyze the strength and vulnerabilities of your current situation, and determine a course of action to make your goals into reality.
We utilize a plethora of Morgan Stanley tools and resources to implement our financial planning process.
We utilize a plethora of Morgan Stanley tools and resources to implement our financial planning process.
LifeView Financial Goal Analysis
LifeView is our overarching financial planning software. Built in it, is a suite of various planning tools that allows us to create a realistic, holistic strategy that integrates the various aspects of an individual’s financial life, including investments and cash management needs. Building a plan in LifeView helps to define your goals, uncover your needs, manage risk, and create a strategy to help you reach your financial goals.
Goals Planning System (GPS)
Goals Planning System (GPS) is Morgan Stanley’s own integrated planning tool. Built on the Firm’s intellectual capital and capabilities, GPS is an intuitive and efficient platform used to quickly assess whether a client is “On Track” to achieving their financial goals. We can run a goal-specific analysis that we use with many of our clients to create a realistic, achievable strategy that incorporates the various aspects of an individual’s financial life, including investments and cash management needs.
Learn More about Goals Planning System (GPS)
Estate Planning Strategies
Estate planning is the process of making arrangements to pass down wealth and assets after a person’s death. Proper estate planning gives careful consideration to your future plans, preferences and goals. We leverage LifeView's sophisticated estate planning strategies to guide this crucial conversation.
Estate Planning Essentials
Portfolio Risk Platform
The Portfolio Risk Platform (PRP) is a state-of-the-art risk management platform —powered by Blackrock’s Aladdin. It's capable of assessing more than 3,000 different risk factors and we use it to identify various elements of risk in your holdings. This allows us to quantify risk, hypothetically stress test your portfolio, and evaluate potential portfolio changes.
Learn more about Portfolio Risk Platform
Intelligent Withdrawals
Intelligent Withdrawals (IW) gives us the capability to analyze across multiple accounts and generate a tax-efficient withdrawal analysis down to the security and tax lot levels. IW takes into consideration withdrawal order, target asset allocation, required minimum distributions, research ratings, gain limits, among others, while selecting the best tax lots to help meet withdrawal needs.
Learn more about Intelligent Withdrawals
Equity Award Analysis
Your plan holdings may include options or stock-based compensation. The Equity Award Analysis (EAA) is a tool that allows us to capture and analyze employee stock and option holdings and evaluate potential strategies for those holdings that seek to meet the liquidity, investment, and financial objectives of your needs. It empowers us with insightful evaluation of appropriate strategies and their hypothetical tax, cash flow and risk implications.
Learn more about Equity Award Analysis
Spending & Budgeting
Track spending habits, categorize expenses and create budgets across your Morgan Stanley and external financial accounts with our Spending and Budgeting Tool. We make it easy for us both to oversee trends in your financial life.
Create a Custom Budget
Total Wealth View
Total Wealth View allows you to see your entire financial picture (investments, retirement savings, checking and savings accounts, credit cards, and mortgages) in one place, Morgan Stanley Online. The tool feeds external account data directly within Morgan Stanley systems including holdings, activity, allocation, etc. This gives us an up-to-date comprehensive of your unique situation that helps guide planning conversations.
Learn How to Get StartedSERVING WITH DISTINCTION
Forbes Best-In-State Wealth Management Teams 2024 & 2025
2024 & 2025 Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded 2024 & 2025). Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of year prior to the issuance of the award.
https://www.morganstanley.com/disclosures/awards-disclosure.html
Source: Forbes.com (Awarded 2024 & 2025). Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of year prior to the issuance of the award.
https://www.morganstanley.com/disclosures/awards-disclosure.html
Five Star Wealth Manager Award
This award honors financial advisors who provide exceptional service and satisfaction based on client feedback and industry criteria, recognizing top advisors for their expertise, professionalism, and overall commitment.
Sean received this award in 2019.
Sean received this award in 2019.
Morgan Stanley Pacesetter's Club
The Firm's Pacesetter's Club is a global recognition for Financial Advisors who, within their first five years, demonstrate the highest professional standards and first-class client service.
Mike was named to the club in 2025, Luc was named in 2020, 2021, 2022, 2023 & 2024, and Sean was named in 2016, 2018 & 2020.
Mike was named to the club in 2025, Luc was named in 2020, 2021, 2022, 2023 & 2024, and Sean was named in 2016, 2018 & 2020.
Certified Investment Management Analyst® (CIMA®)
Certified Investment Management Analyst® (CIMA®) certification is the peak international, technical portfolio construction program for investment consultants, analysts, financial advisors and wealth management professionals.
Sean holds this designation.
Sean holds this designation.
Chartered Retirement Planning Counselor (CRPC®)
Individuals holding the Chartered Retirement Planning Counselor (CRPC®) designation have voluntarily submitted to rigorous training and examination in the critical aspects of retirement planning. CRPC® professionals are committed to helping clients navigate retirement with personalized strategies and a strong ethical focus.
Mike holds this designation.
Mike holds this designation.
Alternative Investments Director
An Alternative Investments Director oversees the development and management of alternative investment strategies, such as private equity, hedge funds & real estate. They work to identify and evaluate investment opportunities that would potentially help enhance portfolio diversification and returns for clients.
Luc holds this designation.
Luc holds this designation.
Portfolio Manager
A Portfolio Manager is responsible for overseeing investment strategies and managing clients' investment portfolios. They typically provide tailored investment advice and actively manage assets to help optimize returns while adhering to client's risk tolerance and goals.
Luc holds this designation.
Luc holds this designation.
Senior Institutional Consultant
A Senior Institutional Consultant has extensive experience advising large institutions such as pension funds, endowments & foundations on investment strategies and portfolio management, helping them achieve their financial goals.
Sean holds this designation.
Sean holds this designation.
Family Wealth Advisor
A Family Wealth Advisor helps high-net-worth families manage and grow their wealth through personalized financial planning, investment strategies, and estate planning.
Sean holds this designation.
Sean holds this designation.
Financial Planning Specialist
A Financial Planning Specialist works with clients to create personalized financial plans to help individuals achieve their specific financial goals, manage risks, and make informed decisions for long-term financial stability.
Mike holds this designation.
Mike holds this designation.
Disclosures
2019 Five Star Wealth Manager Award
Source: fivestarprofessional.com (Awarded 2019) These awards were determined through an evaluation process conducted by Five Star Professional, based on objective criteria, during the following periods:
2019 Award - 12/31/2018 to 08/9/2019
Source: fivestarprofessional.com (Awarded 2019) These awards were determined through an evaluation process conducted by Five Star Professional, based on objective criteria, during the following periods:
2019 Award - 12/31/2018 to 08/9/2019
Location
11951 Freedom Dr
Suite 1200
Reston, VA 20190
US
Direct:
(703) 456-6052(703) 456-6052
Toll-Free:
(888) 386-6295(888) 386-6295
Meet The McLean Tower Group
Luc Sebrechts
Vice President, Wealth Management, Financial Advisor, Alternative Investments Director, Portfolio Manager
Kelly Seekford
Senior Client Service Associate
Phone:
(703) 456-6045(703) 456-6045
About Sean Kearns
Mr. Kearns joined Morgan Stanley in February of 2014. Sean graduated from the University of Notre Dame where he was awarded a B.A. degree in Business Administration with an emphasis in Finance.
Before joining Morgan Stanley, Sean was a financial advisor at Fulcrum Securities, LLC. His last position before joining Fulcrum was a Research Analyst at a New York based hedge fund manager. While in New York, Mr. Kearns worked as part of a team that analyzed arbitrage and other derivative investment opportunities, as well as individual company review and analysis. As a member of the team, Sean formally reported his findings to the firm’s investment committee.
Mr. Kearns holds the Certified Investment Management Analyst certification, administered by the Investments & Wealth Institute, and taught by The Yale School of Management.
Sean Kearns, Pacesetter's Club Member, 2016, 2018, 2020
Before joining Morgan Stanley, Sean was a financial advisor at Fulcrum Securities, LLC. His last position before joining Fulcrum was a Research Analyst at a New York based hedge fund manager. While in New York, Mr. Kearns worked as part of a team that analyzed arbitrage and other derivative investment opportunities, as well as individual company review and analysis. As a member of the team, Sean formally reported his findings to the firm’s investment committee.
Mr. Kearns holds the Certified Investment Management Analyst certification, administered by the Investments & Wealth Institute, and taught by The Yale School of Management.
Sean Kearns, Pacesetter's Club Member, 2016, 2018, 2020
Securities Agent: NV, ND, NC, MD, GA, SC, MN, OH, LA, IL, DC, MO, AZ, CO, CA, NJ, IN, CT, OK, WV, PA, WI, FL, VA, MI, DE, TX, NY, MA, IA; General Securities Representative; Investment Advisor Representative
NMLS#: 1369295
NMLS#: 1369295
About Luc Sebrechts
Mr. Sebrechts graduated from The Catholic University of America where he was awarded a Bachelor of Science in Mechanical Engineering with a focus in Thermal and Aerospace Sciences and received his Varsity letter playing baseball. He was accepted as the only Engineer to work in Parliament in London, England for The Rt Hon. Lord Cormack DL. Back in Washington, D.C, he was elected President of Catholic University’s Engineer’s Without Border Chapter. It was through his work with EWB, helping impoverished communities in Panama and Guatemala that he uncovered one of his passions: working with non-profits.
Before his transition to finance, Mr. Sebrechts worked in robotics fabricating hardware for military contracts and coding software components. Prior to Morgan Stanley, Mr. Sebrechts had worked at UBS Wealth Management in Washington, DC and Edward D Jones in Bethesda, MD.
Mr. Sebrechts serves as Chairman of The Washington Nationals Youth Baseball Academy Emerging Leader’s Board helping inner city youth.
Luc Sebrechts, Pacesetter's Club Member, 2020, 2021, 2022, 2023, and 2024.
Before his transition to finance, Mr. Sebrechts worked in robotics fabricating hardware for military contracts and coding software components. Prior to Morgan Stanley, Mr. Sebrechts had worked at UBS Wealth Management in Washington, DC and Edward D Jones in Bethesda, MD.
Mr. Sebrechts serves as Chairman of The Washington Nationals Youth Baseball Academy Emerging Leader’s Board helping inner city youth.
Luc Sebrechts, Pacesetter's Club Member, 2020, 2021, 2022, 2023, and 2024.
Securities Agent: MD, AZ, TN, PA, OR, ND, IA, DE, WA, SC, MO, MI, IN, DC, TX, MA, ID, HI, LA, CO, NM, WI, OH, NC, KY, GA, WV, MN, PR, VA, RI, OK, NY, NJ, IL, CT, CA, NV, FL; General Securities Representative; Investment Advisor Representative
NMLS#: 1739958
NMLS#: 1739958
About Mike McShea
Mr. McShea graduated magna cum laude from The Catholic University of America with a B.S.B.A degree specializing in Finance and Sales. He was inducted into the Tim and Steph Busch School of Business Lambda Epsilon Omicron Honor Society, recognizing his high achievement and academic excellence for graduating in the top 10% of his class. Mr. McShea also earned his varsity letter playing lacrosse at Catholic, where he served as a two-time team captain and was recognized for numerous awards, most notably as an Academic All-American.
Before he transitioned to wealth management, Mr. McShea worked in corporate finance, helping project manage a firm-wide SAP implementation for a global agricultural sciences company. Prior to Morgan Stanley, Mr. McShea worked at Merrill Lynch Wealth Management in Philadelphia, PA.
Mr. McShea holds the Chartered Retirement Planning CounselorSM (CRPC®) and Financial Planning Specialist designations from The College For Financial Planning®, helping the team's clients align their portfolios with their long-term goals. He continues to pursue advanced training programs on critical aspects of the securities industry.
Outside the office, he enjoys golf, cheering on his favorite sports teams, traveling, and spending time with friends and family.
Before he transitioned to wealth management, Mr. McShea worked in corporate finance, helping project manage a firm-wide SAP implementation for a global agricultural sciences company. Prior to Morgan Stanley, Mr. McShea worked at Merrill Lynch Wealth Management in Philadelphia, PA.
Mr. McShea holds the Chartered Retirement Planning CounselorSM (CRPC®) and Financial Planning Specialist designations from The College For Financial Planning®, helping the team's clients align their portfolios with their long-term goals. He continues to pursue advanced training programs on critical aspects of the securities industry.
Outside the office, he enjoys golf, cheering on his favorite sports teams, traveling, and spending time with friends and family.
Securities Agent: GA, IL, IN, LA, MA, MD, MI, MN, MO, NC, NJ, NY, OH, PA, TX, VA, WA, WI, WV, IA, WY, VT, UT, TN, SD, SC, RI, OR, OK, NV, NM, NH, NE, ND, MT, MS, ME, KY, KS, ID, HI, AR, AL, AK, AZ, CA, CO, CT, DC, DE, FL; General Securities Representative; Investment Advisor Representative
NMLS#: 2432105
NMLS#: 2432105
About Kelly Seekford
Kelly Seekford joined Morgan Stanley in 2014 and has been a part of the McLean Tower Group since 2019. She began her career in 1996 with Paine Webber as a Client Service Associate and Branch Manager's Assistant and then went on to be a Complex Branch Administrator and Client Service Associate at Wachovia Securities.
In her free time, Kelly enjoys traveling with her friends, especially to the Caribbean. She enjoys spending time with her family and her beautiful granddaughter Aleah.
In her free time, Kelly enjoys traveling with her friends, especially to the Caribbean. She enjoys spending time with her family and her beautiful granddaughter Aleah.
Contact Sean Kearns
Contact Luc Sebrechts
Contact Mike McShea
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
Liam Drennan
Private Banker
About Liam Drennan
Liam Drennan is a Private Banker serving Morgan Stanley Wealth Management offices in Virginia and Maryland.
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.
Liam began his career in financial services in 2019 and joined Morgan Stanley in 2021 as an Associate Private Banker. Prior to joining the firm, he was an Associate at the Janney Montgomery Scott. He also served as a Relationship Manager at Wells Fargo Business Banking.
Liam is a graduate of the George Mason University, where he received a Bachelor’s Degree in Economics. He lives in Arlington, Virginia. Outside of the office, Liam enjoys running, hiking, and playing golf with 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.
Liam began his career in financial services in 2019 and joined Morgan Stanley in 2021 as an Associate Private Banker. Prior to joining the firm, he was an Associate at the Janney Montgomery Scott. He also served as a Relationship Manager at Wells Fargo Business Banking.
Liam is a graduate of the George Mason University, where he received a Bachelor’s Degree in Economics. He lives in Arlington, Virginia. Outside of the office, Liam enjoys running, hiking, and playing golf with friends.
NMLS#: 2284330
Wealth Management
From Our Team
Institutional Fact Card
Wealth Management
Global Investment Office
Portfolio Insights
This is a video content
Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
Tax-Smart Ways to Sell Securities
How investors can tap their portfolios in tax-savvy ways.
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
529 Plans: A Powerful Tool to Save for Education
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Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Financial Planning for Life After Selling a Business
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Philanthropy
Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
- Foundations
- Donor Advised Funds
- Impact Investing
Financial Wellness
Enhancing Financial Wellness enables your workforce to do their best work. Companies that invest in financial wellness have an opportunity to:
- Reduce employee stress,
- Improve retention and engagement, and
- Set themselves apart by offering comprehensive financial wellness benefits.
Ready to start a conversation? Contact The McLean Tower Group today.
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley 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.
3The returns on a portfolio consisting primarily of Environmental, Social and Governance (“ESG”) aware investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because ESG criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Diversification does not guarantee a profit or protect against loss in a declining financial market.
4Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
5Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
6Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
7Products 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.
8Morgan 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
9Participating in a new issue/syndicate is subject to availability. IPOs are highly speculative and may not be appropriate for all investors because they lack a stock-trading history and usually involve smaller and newer companies that tend to have limited operating histories, less-experienced management teams, and fewer products or customers. Also, the offering price of an IPO reflects a negotiated estimate as to the value of the company, which may bear little relationship to the trading price of the securities, and it is not uncommon for the closing price of the shares shortly after the IPO to be well above or below the offering price.
10Structured Investments are complex and not appropriate for all investors. An investment in structured investments involves risks. These risks can include but are not limited to: fluctuations in the price, level or yield of underlying asset(s), interest rates, currency values and credit quality, substantial loss of principal, limits on participation in appreciation of underlying asset(s), limited liquidity, credit risk, and/or conflicts of interest. Many structured investments do not pay interest or guarantee a return above principal at maturity. Investors should read the security’s offering documentation prior to making an investment decision.
11When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
12Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
13Morgan 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.
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
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
3The returns on a portfolio consisting primarily of Environmental, Social and Governance (“ESG”) aware investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because ESG criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Diversification does not guarantee a profit or protect against loss in a declining financial market.
4Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
5Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
6Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
7Products 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.
8Morgan 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
9Participating in a new issue/syndicate is subject to availability. IPOs are highly speculative and may not be appropriate for all investors because they lack a stock-trading history and usually involve smaller and newer companies that tend to have limited operating histories, less-experienced management teams, and fewer products or customers. Also, the offering price of an IPO reflects a negotiated estimate as to the value of the company, which may bear little relationship to the trading price of the securities, and it is not uncommon for the closing price of the shares shortly after the IPO to be well above or below the offering price.
10Structured Investments are complex and not appropriate for all investors. An investment in structured investments involves risks. These risks can include but are not limited to: fluctuations in the price, level or yield of underlying asset(s), interest rates, currency values and credit quality, substantial loss of principal, limits on participation in appreciation of underlying asset(s), limited liquidity, credit risk, and/or conflicts of interest. Many structured investments do not pay interest or guarantee a return above principal at maturity. Investors should read the security’s offering documentation prior to making an investment decision.
11When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
12Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
13Morgan 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.
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)
