Matthew S Coe
Executive Director, Wealth Management, Financial Advisor, Family Wealth Director
Phone:
(973) 993-5260(973) 993-5260
The MCM Group at Morgan Stanley
Toll-Free:
(844) 849-2001(844) 849-2001
Our Mission Statement
Comprehensive wealth planning strategies for your life and legacy
Connecting the Pieces of Your Financial Life
Successful people and their families need sophisticated solutions in a personalized, concise and actionable format. As a team with a national footprint and strategic partnerships across Morgan Stanley, we have decades of experience serving the complex needs of accomplished individuals and families. We build intimate, trusting relationships by delivering comprehensive advice and service. Executives, Business Owners and multigenerational families choose to work with us because of the direct and candid advice they know they can count on. Your work ethic, ambition and careful stewardship of family wealth has achieved a desired level of success. As a boutique practice backed by the resources of Morgan Stanley, our team-based approach gives us the ability to make a real impact on your life.
Why work with us?
- Our team of 8 seasoned professionals includes two Executive Directors, three CERTIFIED FINANCIAL PLANNER™ professionals, two Portfolio Associates, a Family Wealth Director and a Retirement Plan Specialist
- We have been named one of America’s Top Wealth Management Teams: High Net Worth, in the country by Forbes for 2022
- The MCM Group had been recognized as a Forbes Best-In-State Wealth Management Teams: High Net Worth for 2023 & 2024
- Through our solution set and wealth management planning process we can address tax minimization strategies, estate and legacy planning and both asset and liability management
- We provide the confidence that comes from a team that truly cares about you and every member of your family
- Forbes America’s Top Wealth Management Teams Source: Forbes.com (Awarded Nov 2022) Data compiled by SHOOK Research LLC based on time period from 3/31/21 – 3/31/22.
- Forbes Best-In-State Wealth Management Teams Source: Forbes.com (Awarded Jan 2023) Data compiled by SHOOK Research LLC based on time period from 3/31/21-3/31/22.
- Forbes Best-In-State Wealth Management Teams Source: Forbes (Awarded Jan 2025). Data compiled by SHOOK Research LLC based for the period 3/31/23–3/31/24. https://lnkd.in/e8bfzPuG]
Services Include
- Financial PlanningFootnote1
- Estate Planning StrategiesFootnote2
- Retirement PlanningFootnote3
- Wealth ManagementFootnote4
- Planning for Education FundingFootnote5
- Corporate Trust Services
- Philanthropic Services
- Corporate Retirement PlansFootnote6
- Qualified Retirement PlansFootnote7
- 401(k) Rollovers
- Fixed IncomeFootnote8
- Municipal BondsFootnote9
- Alternative InvestmentsFootnote10
- AnnuitiesFootnote11
- Life InsuranceFootnote12
- Long Term Care InsuranceFootnote13
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Our Process of Working With You
As your dedicated Financial Advisors, our role is to tailor a personalized financial strategy which fits your needs. Through decades of working with clients, we have developed a step-by-step approach to service:
Discovery Process
We take the time to fully understand you and your family – whether you’re planning for retirement, purchasing a home, or living out your golden years – we consider all of your challenges, goals, and aspirations when building your financial picture.
Forming Your Strategy
Using your life goals as our compass, we create a risk-balanced strategy which maps a clear path to achieving your success.
Implementing Your Plan
We apply extensive research and analysis, and also utilize Morgan Stanley’s full suite of resources, to ensure swift decisive action in all market scenarios.
Measuring Your Success
We check in with you to deliver metrics around your portfolio, and ultimately measure trajectory towards your goals. Our ultimate mission is your success and well-being.
Digital Wealth Management Tools
Our comprehensive suite of digital tools are designed to enhance every aspect of your financial life. Here are a few of the technologies we have to offer our clients.
Morgan Stanley Online
Beyond viewing your account balance and activity, Morgan Stanley Online (MSO) has a suite of features that allow you to manage your everyday finances from paying bills and sending money to transferring funds and authorizing transactions with eAuthorizations.
Learn More About Morgan Stanley Online
Total Wealth View
It’s hard to see the complete picture with only half the details. As a Morgan Stanley client, you can now conveniently view your accounts from other financial institutions on Morgan Stanley Online or by using the Morgan Stanley Mobile App, giving you a more complete financial picture.
Learn More About Total Wealth View
Morgan Stanley Mobile App
Securely access your Morgan Stanley account from virtually anywhere. Simply download it on your mobile device and use your Morgan Stanley Online username and password to log in. From there you will have resources of MSO on the go.
Learn More About Our Mobile App
Portfolio Risk Platform
Our proprietary Portfolio Risk Platform leverages state of-the-art analytics to help identify various elements of risk in client portfolios, down to the security level, and model the potential impact of adjustments, before portfolio changes are made.
Learn More About Our Portfolio Risk Platform
eDelivery
eDelivery provides you with the ability to view statements and other Firm documents electronically in lieu of paper. Clients who are registered in Morgan Stanley Online may enroll in eDelivery.
Enroll in eDelivery
Digital Vault
Easily and conveniently manage and share life’s most important documents, such as wills, deeds and estate plans, as well as financial statements and tax filings. Digital Vault allows for easy document sharing, convenient access, and encrypted files.
Access Digital Vault
Spending and Budgeting Tool
Morgan Stanley provides a Spending and Budgeting Tool, which can automatically categorize your spending and analyze your cash flow to help you easily manage where your money is going across all your accounts – both at Morgan Stanley and externally to make it easy for you and your Financial Advisor to see your complete financial picture.
Learn More About Our Spending & Budgeting Tool
eAuthorizations
With eAuthorizations, you can electronically authorize domestic and international, one-time/recurring transactions through Morgan Stanley Online and the Morgan Stanley Mobile App within minutes.
Enroll in eAuthorizationsInsights & Resources
Morgan Stanley provides clients with resources meant to transform complex financial analysis and research into concise and easily digestible content. The links below offer insight into the modern market and economic landscape.
Reserved Living & Giving
Reserved Living & Giving is a tiered complimentary loyalty program that rewards Morgan Stanley's most valued clients. Members can enjoy special discounts and timely insights to support them at home and beyond.
View Offers from Reserved Living & Giving
Wealth Management Audiocast
Check out our recent market update audiocasts, including the latest from Wealth Management Chief Investment Officer Lisa Shalett.
Listen Here
Thoughts On The Market Podcast
With perspectives on the forces shaping the market, join Mike Wilson, Chief Investment Officer and Chief US Equity Strategist for Morgan Stanley, as he and his colleagues discuss a variety of viewpoints regarding the latest trends in the financial marketplace.
Check Out The Latest Episode
Global Investment Committee Weekly Report
The Global Investment Committee's Lisa Shalett headlines this weekly look at markets, asset class performance and fixed income.
GIC Weekly Report
GIC Monthly Research Report
Detailed market commentary from Morgan Stanley's thought leaders on topics such as global equities, fixed income, monetary policy and more.
Read the Latest Report
2024 Federal Tax Table
This document outlines the 2024 tax rate schedule, education and health savings account limits, retirement contribution and deduction limits, among other information.
View 2024 Tax TableCUSTOMIZED SOLUTIONS
Financial Planning
We will help manage the stress around financial decisions by offering knowledge and thoughtful guidance. As life evolves, so do your goals; our approach allows you to look across your assets and liabilities to adapt your strategy to help meet those changing demands. Whether it is saving for retirement or other expenses, securing retirement income, healthcare planning, taxes, education, or legacy planning strategies, we are here for you.
Executive Compensation
As the administrator of your company’s equity compensation plan, we pride ourselves on helping you manage your awards effectively. We are here to provide easy access to your account, answer questions about your awards and handle your transactions accurately and conveniently. We help build financial confidence through insightful advice, thoughtful education and cutting-edge technology across a suite of workplace solutions.
Retirement Planning
Planning for retirement has never been easy, but in recent years, it’s become increasingly difficult. We are here to help you create a well-rounded planning approach for retirement. We will help identify your personal goals, track your progress toward achieving them and work together to create a customized plan.
Estate Planning
Estate planning is a strategy designed to protect, manage, and distribute your assets during and after your lifetime, while helping to minimize taxation. It will help protect your legacy and those you care about most. As your advisors, we will work closely with you to explore factors that are relevant to existing and/or future estate structures and strategies. We will collaborate with you, your external tax and legal advisors to formulate tax and estate strategies.
Lending
High Net Worth Lending can help provide the necessary funding and flexibility as you manage the diversification and expansion of your wealth. Our Lending team can suggest customized borrowing options designed to help meet your distinct needs. These needs could include: obtaining a Tailored Lending Facility, Liquidity Access Line, and/or Margin credit facility for the purpose of investing in a business, acquiring real estate, addressing potential tax obligations or simply having a source of additional general funding. Connect with us to learn more.
Insurance
At Morgan Stanley, we offer a customized suite of industry-leading products, featuring Life, Long-Term Care (LTC), and Disability Income (DI) Insurance. Products are designed to mitigate and manage clients' risk and provide a potent wealth planning tool for an uncertain future.
Location
340 Mount Kemble Avenue
1st Floor
Morristown, NJ 07960
US
Toll-Free:
(844) 849-2001(844) 849-2001
Meet The MCM Group
Paul S Mandel, CFP®
Executive Director, Wealth Management, Financial Advisor, CERTIFIED FINANCIAL PLANNER®
Phone:
(973) 993-5224(973) 993-5224
Todd E Waters, CFP®, CRPC®, CLTC®
Senior Vice President, Financial Advisor, CERTIFIED FINANCIAL PLANNER®, Chartered Retirement Plans Specialist, Certified in Long-Term Care
Phone:
(973) 993-4493(973) 993-4493
Robert Coe, CFP®
Financial Advisor
Phone:
(973) 993-5225(973) 993-5225
Lauren Legband
Portfolio Associate
Phone:
(973) 993-5245(973) 993-5245
Lindsey Kohler
Portfolio Associate
Phone:
(973) 993-5219(973) 993-5219
Michael Blank
Wealth Management Analyst
Phone:
(973) 993-5206(973) 993-5206
Nick Price
Client Service Associate
Phone:
(973) 993-4989(973) 993-4989
About Matthew S Coe
Matt Coe joined Morgan Stanley in 1995, and he brings over 35 years of total financial services experience to the nine-member MCM Group, where as a senior partner he is responsible for establishing and overseeing the group's efforts in asset management and discretionary portfolio management. Prior to joining Morgan Stanley, Matt spent 10 years with First Union Capital Markets in a similar capacity covering middle market institutions and high-net-worth clients.
Having achieved the Family Wealth Director designation, Matt and his team are distinctively positioned to provide unparalleled access to experiences, resources, products and services to their high-net-worth clients. In addition to his professional designations, Matt holds the Series 7, 31, 63, and 65 licenses, as well as being life and health/ long term care insurance licensed.
Matt is named to the 2020 Forbes Best-In-State of North New Jersey’s Wealth Advisors list, and for the third consecutive year (2018-2020), Matt has been recognized by NJ Monthly Magazine as a Top 5 Star New Jersey Wealth Manager. In 2019, Matt achieved membership in Morgan Stanley’s prestigious President’s Council.
Matt has a B.A. in Political Science/Government from St. Lawrence University. He completed the Management Training Program at First Fidelity Bank in 1985. Matt lives in Chatham, New Jersey with his wife, Maureen, and three children. Matt's favorite pastime activities include skiing, tennis, and traveling.
2018 - 2020 Forbes Best-In- State Wealth Advisors
Source: Forbes.com (Awarded 2018 - 2020). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
Five Star Wealth Manager Award
2012, 2013, 2014, 2015, 2018, 2019, 2020 ,2024
Source: fivestarprofessional.com (Awarded
2012, 2013, 2014, 2015, 2018, 2019, 2020)
These awards were determined through an evaluation process conducted by Five Star Professional, based on objective criteria, during the following periods:
2012 Award - 4/15/2011-10/16/2011
2013 Award - 4/15/2012 -10/16/2012
2014 Award - 4/15/2013-10/16/2014
2015 Award - 4/15/2014-10/16/2015
2018 Award - 4/15/2017-10/16/2018
2019 Award - 4/15/2018-10/16/2019
2020 Award - 4/15/2019-10/16/2019
2024 Award - 4/15/2023-10/16/2023
Having achieved the Family Wealth Director designation, Matt and his team are distinctively positioned to provide unparalleled access to experiences, resources, products and services to their high-net-worth clients. In addition to his professional designations, Matt holds the Series 7, 31, 63, and 65 licenses, as well as being life and health/ long term care insurance licensed.
Matt is named to the 2020 Forbes Best-In-State of North New Jersey’s Wealth Advisors list, and for the third consecutive year (2018-2020), Matt has been recognized by NJ Monthly Magazine as a Top 5 Star New Jersey Wealth Manager. In 2019, Matt achieved membership in Morgan Stanley’s prestigious President’s Council.
Matt has a B.A. in Political Science/Government from St. Lawrence University. He completed the Management Training Program at First Fidelity Bank in 1985. Matt lives in Chatham, New Jersey with his wife, Maureen, and three children. Matt's favorite pastime activities include skiing, tennis, and traveling.
2018 - 2020 Forbes Best-In- State Wealth Advisors
Source: Forbes.com (Awarded 2018 - 2020). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
Five Star Wealth Manager Award
2012, 2013, 2014, 2015, 2018, 2019, 2020 ,2024
Source: fivestarprofessional.com (Awarded
2012, 2013, 2014, 2015, 2018, 2019, 2020)
These awards were determined through an evaluation process conducted by Five Star Professional, based on objective criteria, during the following periods:
2012 Award - 4/15/2011-10/16/2011
2013 Award - 4/15/2012 -10/16/2012
2014 Award - 4/15/2013-10/16/2014
2015 Award - 4/15/2014-10/16/2015
2018 Award - 4/15/2017-10/16/2018
2019 Award - 4/15/2018-10/16/2019
2020 Award - 4/15/2019-10/16/2019
2024 Award - 4/15/2023-10/16/2023
Securities Agent: AK, IN, OR, IL, HI, DC, CT, MI, CO, AL, WY, VT, NY, LA, OH, ID, IA, GA, NM, CA, WV, TN, PA, MD, MA, WI, NV, NC, ME, DE, VA, TX, FL, RI, NJ, MS, AZ, VI, UT, SC; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1265303
CA Insurance License #: 0I26904
NMLS#: 1265303
CA Insurance License #: 0I26904
About Paul S Mandel
Paul Mandel, Senior Vice President at Morgan Stanley has spent his entire career in the wealth management industry and has built his practice through his broad knowledge base in investments, insurance, estate planning and charitable giving. He is a CERTIFIED FINANCIAL PLANNER™, a Family Wealth Advisor as well as a 2017, 2018 and 2019 Master’s Club member of Morgan Stanley. Paul is passionate about conducting a professional and effective discovery process and consistently helping to solve his client’s financial issues.
Paul attended Rutgers University in New Brunswick, NJ, where he received his BA in Economics, and Fairleigh Dickinson University where he received his Certificate in Financial Planning. He serves on the board of the Arts Council of the Morris Area. Paul lives in Harding Township, NJ with his wife Gail and their two sons.
Paul attended Rutgers University in New Brunswick, NJ, where he received his BA in Economics, and Fairleigh Dickinson University where he received his Certificate in Financial Planning. He serves on the board of the Arts Council of the Morris Area. Paul lives in Harding Township, NJ with his wife Gail and their two sons.
Securities Agent: TX, RI, WY, TN, NC, CA, SC, NV, NJ, DE, VI, VA, UT, NY, IL, WA, LA, IN, CO, VT, OH, MS, GA, OR, MA, IA, DC, AL, NM, ME, MI, AZ, AK, WV, PA, MD, HI, FL, CT; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1279372
CA Insurance License #: 0I30900
NMLS#: 1279372
CA Insurance License #: 0I30900
About Todd E Waters
Todd is a CERTIFIED FINANCIAL PLANNER™ (CFP®), Chartered Retirement Planning Counselor (CRPC®), holds the CLTC (Certified in Long-Term Care) designation, and is a partner of the MCM Group at Morgan Stanley. Todd has 20 years of industry experience (19 years with the MCM Group) and focuses on financial planning strategies and analysis. As a CFP® certificant, Todd helps clients navigate financial and life transitions. He works collaboratively with clients to create customized, comprehensive financial plans designed to address financial blind spots. Additionally, Todd is the Group’s life insurance, long term care, and annuity person. With that focus, Todd provides clients with reviews of existing policies in addition to offering income replacement and wealth transfer solutions.
Todd attended Rutgers University in New Brunswick, New Jersey, where he acquired his Bachelor’s degree in Communication, with a minor concentration in Economics. Todd was a founding Board Member of the Apothecary Theatre Company in New York City, and currently resides in Scotch Plains, New Jersey with his wife Laura and their two sons. Together they enjoy their sons’ youth sports, in addition to traveling, exercising and participating in outdoor activities, including golf, tennis, pickleball, and skiing/snowboarding.
Todd attended Rutgers University in New Brunswick, New Jersey, where he acquired his Bachelor’s degree in Communication, with a minor concentration in Economics. Todd was a founding Board Member of the Apothecary Theatre Company in New York City, and currently resides in Scotch Plains, New Jersey with his wife Laura and their two sons. Together they enjoy their sons’ youth sports, in addition to traveling, exercising and participating in outdoor activities, including golf, tennis, pickleball, and skiing/snowboarding.
Securities Agent: AZ, GA, NY, AL, NV, SC, OH, MA, HI, FL, VA, DC, WY, TN, NJ, IN, IL, CA, AK, WV, PA, CO, MI, ME, DE, TX, OR, MS, MD, RI, VT, VI, UT, NM, LA, IA, CT, NC; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1261865
CA Insurance License #: 0G37270
NMLS#: 1261865
CA Insurance License #: 0G37270
About Robert Coe
Rob joined The MCM Group of Morgan Stanley in Morristown, NJ as a Financial Advisor in 2020. He spends his time working with clients in four key areas: financial planning, investment management, alternative investments, and lending solutions. In 2023 and 2024, he was awarded membership to Morgan Stanley’s Pacesetter’s Club, a global recognition program for Financial Advisors who, early in their careers, have demonstrated the highest professional standards and first class client service.
Rob started his career at UBS, having been selected into their highly competitive Graduate Talent Program, where he received extensive training and served across six different business units within the Global Wealth Management division. He then worked on the Commercial Real Estate Finance desk and helped grow their lending business by over $200mm through the private client channel.
Rob is the son of The MCM Group Founding Partner Matt Coe and grew up in Chatham, New Jersey. He graduated from Bucknell University with a B.S.B.A in Accounting & Financial Management and currently resides on the Upper West Side with his wife Molly. Rob is a CERTIFIED FINANCIAL PLANNER™, having met the education, experience, exam, and ethics requirements set by the CFP Board. Outside of work, Rob mentors first generation college students through the UStrive platform. And in his free time he enjoys snow skiing, golf and live music. He currently holds his Series 7 and Series 66 professional licenses.
NMLS#: 1275608
Cal. Insurance License #4201897
Rob started his career at UBS, having been selected into their highly competitive Graduate Talent Program, where he received extensive training and served across six different business units within the Global Wealth Management division. He then worked on the Commercial Real Estate Finance desk and helped grow their lending business by over $200mm through the private client channel.
Rob is the son of The MCM Group Founding Partner Matt Coe and grew up in Chatham, New Jersey. He graduated from Bucknell University with a B.S.B.A in Accounting & Financial Management and currently resides on the Upper West Side with his wife Molly. Rob is a CERTIFIED FINANCIAL PLANNER™, having met the education, experience, exam, and ethics requirements set by the CFP Board. Outside of work, Rob mentors first generation college students through the UStrive platform. And in his free time he enjoys snow skiing, golf and live music. He currently holds his Series 7 and Series 66 professional licenses.
NMLS#: 1275608
Cal. Insurance License #4201897
Securities Agent: DC, RI, PA, CT, IA, WI, MI, LA, AK, WY, SC, WA, TN, OR, NM, ME, VA, UT, TX, NJ, NC, IN, CO, CA, AL, OH, NV, MS, ID, WV, VT, GA, DE, MD, MA, FL, AZ, NY, IL, HI; General Securities Representative; Investment Advisor Representative
NMLS#: 2329115
NMLS#: 2329115
About Lauren Legband
Lauren (née Birish) is an integral part of the MCM Group’s service team and committed to delivering an exceptional client experience. Her efficiency, strong communication skills, and aptitude for problem solving are second to none. Lauren also has extensive knowledge of Morgan Stanley’s policies and can guide you through any financial matter.
Lauren joined the MCM Group shortly after graduating from the University of Wisconsin– Madison with a degree in Personal Finance. In her spare time, she enjoys doing Pilates and hot yoga, reading the Game of Thrones books, and going out for brunch. Lauren and her husband, John, recently tied the knot at a small hotel in New Hope, PA, and they currently reside in Bedminster, NJ with their Great Pyrenees, Nala.
Lauren joined the MCM Group shortly after graduating from the University of Wisconsin– Madison with a degree in Personal Finance. In her spare time, she enjoys doing Pilates and hot yoga, reading the Game of Thrones books, and going out for brunch. Lauren and her husband, John, recently tied the knot at a small hotel in New Hope, PA, and they currently reside in Bedminster, NJ with their Great Pyrenees, Nala.
About Lindsey Kohler
Lindsey has over 10 years’ experience working in the financial services industry. She is committed to maintaining the MCM Group’s outstanding client satisfaction by providing the highest level of customer service combined with Morgan Stanley's broad resources. Lindsey’s strong organizational skills are most beneficial in managing our extensive client service team and handling our client's most complex challenges. She currently holds her Series 7 and 66 securities licenses.
Lindsey is originally a native of Nashville, TN and graduated Magna Cum Laude from MTSU. Outside of the office, she enjoys spending time with her family, traveling, and participating in outdoor activities such as running and hiking. Lindsey and her husband, Chris, currently reside in Branchburg, NJ along with their daughter, Veronica, and their rescue dog, Charlie.
Lindsey is originally a native of Nashville, TN and graduated Magna Cum Laude from MTSU. Outside of the office, she enjoys spending time with her family, traveling, and participating in outdoor activities such as running and hiking. Lindsey and her husband, Chris, currently reside in Branchburg, NJ along with their daughter, Veronica, and their rescue dog, Charlie.
About Michael Blank
Michael joined The MCM Group of Morgan Stanley in Morristown, NJ as an Wealth Management Analyst in 2023. Michael started his career at UBS on their Advisory Platform as a Client Associate and most recently, worked as an Equity Trading Analyst at BTIG, LLC in NYC. Michael grew up in Nutley, NJ and attended Seton Hall Prep where he graduated in 2015. Following graduation, he attended Muhlenberg College where he studied Finance and was also a member of the football team. Michael currently resides in Hoboken, NJ and in his free time enjoys running, golf and spending time with family and friends. He currently holds his Series 7 and 66 professional licenses.
About Nick Price
Nick joined the MCM Group in late 2023 and brought with him four years’ worth of experience working within wealth management. After completing his pre-med studies at Rutgers University, he transitioned into the finance industry by joining Ameriprise Financial as an associate advisor. From there he moved to Morgan Stanley where he spent three years leading the service efforts for a team based in Manhattan. During his time at Rutgers, he competed as a member of the track and field and cross-country teams and was named as a team captain for his senior year. These days, when he’s not at a Jets game, he enjoys spending his free time running, cycling, snowboarding, reading, and following the markets. Nick currently holds his Series 7 and Series 66 licenses.
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Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Financial Planning for Life After Selling a Business
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Philanthropy
Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
- Foundations
- Donor Advised Funds
- Impact Investing
Donor Advised Funds: A Smart Way to Manage Your Giving
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Financial Wellness
Enhancing Financial Wellness enables your workforce to do their best work. Companies that invest in financial wellness have an opportunity to:
- Reduce employee stress,
- Improve retention and engagement, and
- Set themselves apart by offering comprehensive financial wellness benefits.
Ready to start a conversation? Contact The MCM Group today.
Certified Financial Planner Board of Standards, Inc. (CFP Board) owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™, and CFP® (with plaque design) in the United States, which it authorizes use of by individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
1Morgan Stanley 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.
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 and other legal matters.
3When 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.
4Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
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 always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
6When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
7When 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.
8Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
9Municipal 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.
10Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
11Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
12Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
13Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
1Morgan Stanley 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.
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 and other legal matters.
3When 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.
4Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
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 always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
6When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
7When 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.
8Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
9Municipal 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.
10Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
11Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
12Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
13Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards 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)
