Our Story and Services

For more than 30 years, we have been helping individuals simplify their financial lives and retire with confidence.

Because we understand the years of hard work you have put in to making it a reality, we believe your retirement deserves the highest level of wealth management services and the guidance of an experienced group of financial professionals that are committed to delivering insightful, timely and unbiased advice.

As an independent group within Morgan Stanley, our clients benefit from the dedication and service of individually managed retirement portfolios, a time-tested and disciplined investment philosophy, and a fee structure that is all-inclusive, fully disclosed, and competitive.

Please contact us for a complimentary retirement analysis or to schedule a consultation with one of our retirement advisors.
Services Include
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*

Our Consultative Process

Charting a prudent course to financial independence begins with a well-crafted wealth management plan, a prudent investment philosophy and a proven process that is followed with diligence and care. Our four-step process provides the context to develop and implement highly customized strategies designed to help you attain your specific financial goals.
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    1. Discovery
    During the discovery discussion, we will ask many questions to understand what matters most to you. We'll talk about the lifestyle you enjoy, your passions and your concerns. Our conversation will also explore personal values, key relationships, details about your current investment portfolio, preferred manner of communication, as well as identify the other professional advisors with whom you currently work. Capturing all of this information will enable us to map out a long-term strategy, ensuring each facet of your financial situation is working together effectively.
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    2. Analysis and Recommendation
    Based on our dialogue, we will analyze your personal and financial information, assess risks and identify any potential threats to your financial health. We will then present appropriate investment options that are designed to work together to help grow your portfolio and achieve your financial goals. We may also present several wealth management recommendations that often encompass cash flow management strategies, risk management solutions, as well as estate, trust and philanthropic services.
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    3. Implementation
    Once you've approved your wealth management plan, we will work closely with you to help ensure the various elements of your plan integrate well with one another. Wherever appropriate, we will suggest seeking additional, in-depth advice on particularly complex issues we have identified, such as estate planning and tax minimization strategies. Whatever approach we implement, we will help keep your strategy on track.
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    4. Reviewing Objectives
    Ongoing communication is a vital component of our relationship and we are committed to keeping abreast of your changing financial needs. Your financial documents provide the foundation for regular meetings. We will review your portfolio at your request and whenever you feel your circumstances have changed. We will then seek to make certain your assets are positioned according to your evolving needs. If necessary, we will suggest adjustments to your strategy to address changes in your life or your long-term objectives.

Multi-Generational Wealth Planning

Each generation faces unique challenges related to market uncertainty, education expenses, retirement benefits, and taxes. We offer multi-generational financial planning solutions that help our clients, their children, and grandchildren plan for these challenges and achieve a more secure financial future.

By leveraging your relationship with Morgan Stanley, you can ensure that each member of your family receives the highest degree of care from an experienced group of financial professionals.

Contact us to learn more.
Family Wealth Services
• Investment Advice
• Financial Education and Literacy
• Debt and Lending Services
• Education Funding Strategies
• Retirement Planning
• 401(k) Rollovers
• Employer Benefits
• Roth IRAs and Conversions
• Gifting and Wealth Transfer Strategies

Working With Us

Our customized process begins with a thorough understanding of your future needs and potential sources of income. Comparing your retirement living expenses with the income you might receive from Social Security, pensions, 401(k)s and other investments; our complimentary retirement income plan can allow you to confidently arrive at a retirement date and provide an estimate of what your retirement paycheck may look like.

Together, we can help evaluate all these pieces of your financial life and uncover any potential gaps while you still have time to address them.

Take advantage of our complimentary services by completing and returning our Confidential Retirement Questionnaire.
Holistic Retirement Planning Services
• Asset Management
• Retirement Income Strategies
• Rollovers and Lump Sum Distributions
• Pension Elections
• Employer Stock and Option Grants
• Social Security Benefits
• Healthcare and Long-Term Care Planning
• Access to Lending and Banking Services
• Tax Management
• Estate Planning
Confidential Retirement Questionnaire

Client Events

    WORKPLACE FINANCIAL BENEFITS WITH MORGAN STANLEY AT WORK

    Our mission is to help your company elevate your workplace financial benefits—helping you to attract and retain top talent. Our end-to-end solutions support your company and employees at any stage of growth through a powerful combination of modern technology, insightful guidance, and dedicated service.

      Equity Solutions

      Equity ownership is a powerful motivator. Streamline equity management through our leading-edge technology and provide global audit-ready reporting and insights, alongside customizable participant experiences to engage and educate your employees on how to make the most of their benefits. Our global solutions support private and public companies at any stage of growth.

      • Equity Administration and Financial Reporting
      • Liquidity Events
      • 409A Valuation Services and Cap Table Management

      Learn more
      Retirement

      For your employees, retirement is more than a date in the future—it's a milestone that takes time, hard work, and the right tools. Through our consultative process, we strive to assist with the management of your fiduciary responsibilities and risk, simplify plan management, and help you improve retirement readiness for your employees.

      • Defined Contribution Consulting
      • Solutions-Oriented Plans
      • Fiduciary Investment Oversight

      Learn more
      Deferred Compensation

      Access a range of Nonqualified Deferred Compensation plan services or pick the ones that best fit your needs. We provide recordkeeping and plan design, portfolio construction services, and plan education for your executive talent. We help you determine the appropriate plan design and inform a funding strategy through a needs-based assessment and consultative approach.

      Services include:

      • Recordkeeping and Plan Design
      • Portfolio Construction
      • Wealth Management Services
      Learn more
      Executive Services

      Our dedicated team provides concierge-level support for your executives' equity compensation plans, from 10b5-1 trading plans to form filing related to Rule 144 transactions, to access to wealth management and tax-optimization strategies, so helping them navigate their complex financial needs with greater confidence and certainty:

      • Equity Compensation Services
      • Equity Award Analysis
      • Specialized Solutions
      Learn more
      Saving and Giving

      Saving and Giving benefits can make a real difference in your employees' lives as they can support the things that matter most to them—like saving for education and repaying student loans. Show that you are committed to your employees' priorities with leading-edge solutions that help them chart a path toward financial well-being.

      • College Savings
      • Student Loan Repayment and Refinancing
      • Charitable Giving
      Learn more
      Financial Wellness

      We offer Financial Wellness with every solution we provide. Through a powerful combination of education, digital tools and guidance, Financial Wellness is designed to address the unique needs of your employees and empower their financial journey at every stage. Give your employees the confidence to take charge of their finances.

      • Financial Education
      • Digital Tools
      • Financial Guidance

      Learn more

    Location

    233 S Wacker Dr
    Ste 8600
    Chicago, IL 60606
    US
    Direct:
    (312) 648-3425(312) 648-3425
    Toll-Free:
    (800) 621-5231(800) 621-5231

    Meet The MCMP Retirement Planning Group

    Photo of Sonja L. Schnell

    Sonja L. Schnell, CFP®*

    Assistant Vice President, Wealth Management, Director of Business Strategy
    Phone:
    (312) 648-3017(312) 648-3017
    Photo of Heather A. Harrigan

    Heather A. Harrigan

    Group Director
    Phone:
    (312) 648-3322(312) 648-3322
    Photo of Denise F. Hokl

    Denise F. Hokl

    Wealth Management Associate
    Phone:
    (312) 648-3439(312) 648-3439
    Photo of J. Peter Bautista

    J. Peter Bautista

    Senior Client Service Associate
    Phone:
    (312) 648-3052(312) 648-3052
    Photo of Meghan C. Kosman

    Meghan C. Kosman

    Registered Associate
    Phone:
    (312) 648-3370(312) 648-3370
    Photo of Lawrence S. Menconi

    Lawrence S. Menconi

    Registered Associate
    Phone:
    (312) 648-3527(312) 648-3527
    Photo of Mark R. Horcher

    Mark R. Horcher

    Registered Client Relationship Analyst
    Phone:
    (312) 648-3463(312) 648-3463

    About Christopher L. Menconi

    With over 30 years of experience in financial services, I am passionate about helping clients become confident in achieving and enjoying a comfortable retirement.  Since joining the MCMP Retirement Planning Group in 1991, I have worked extensively with corporate employees to help them plan for and transition into the retirement they envision.

    As a Senior Portfolio Management Director, I am among a select group of Morgan Stanley Financial Advisors and have been qualified based on training, experience, and my commitment to client service.

    I earned a Bachelor’s degree in Economics from Loyola University Chicago and hold Series 7, 63 and 65 Licenses. I have been recognized by Forbes as one of the industry’s top financial advisors.

    Awards
    Forbes: Best-In-State Wealth Advisors, 2021-2025
    Chicago Magazine: Five Star Wealth Managers, 2012-2018

    ​Source: Forbes.com (Awarded 2021-2025). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.

    Source: fivestarprofessional.com (Awarded 2012-2018). These awards were determined through an evaluation process conducted by Five Star Professional, based on objective criteria, during the following periods:
    2012 Award – 02/04/2011 - 08/03/2011
    2013 Award – 02/04/2012 - 08/03/2012
    2014 Award – 02/04/2013 - 08/03/2013
    2015 Award – 02/04/2015 - 08/03/2015
    2016 Award – 02/26/2016 - 08/19/2016
    2017 Award – 12/16/2016 - 08/03/2017
    2018 Award – 01/12/2018 - 08/17/2018
    Securities Agent: MN, MO, MS, MT, NC, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, PR, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, IA, HI, GA, FL, DE, DC, CT, CO, CA, AZ, AR, AL, AK, ND, VI, WY, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI; General Securities Representative; Investment Advisor Representative; Managed Futures
    NMLS#: 1279315
    CA Insurance License #: 4423338
    AR Insurance License #: 13343372

    About Martin K. Pawelec

    Since joining the firm in 1998, I learned early on in my career that every retirement and every client is unique.  I am committed to helping my clients understand the interconnected nature of investments, insurance, taxes, preparing for retirement, and estate planning.  I work closely with clients to help them choose among their many retirement benefit options and craft strategies that are right for them and their families.

    I am Series 7, 33 and 66 licensed and hold Bachelor’s degrees in Finance and Information Systems from Loyola University Chicago.

    Awards
    Forbes: Best-In-State Wealth Advisors, 2022-2025
    Chicago Magazine: Five Star Wealth Managers, 2023

    ​Source: Forbes.com (Awarded 2022-2025) Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.

    Source: fivestarprofessional.com (Awarded 2023). This award was issued in 2023. The award was determined based on an evaluation process conducted by Five Star Professional based on objective criteria from 01/09/2023 - 07/31/2023.
    Securities Agent: WA, WI, VT, VA, UT, TX, SD, SC, RI, PA, OR, OK, OH, NY, NV, NM, NH, NE, NC, MS, MO, MN, ME, MD, MA, LA, KY, KS, IN, IL, ID, IA, HI, GA, FL, DE, DC, CT, CO, MI, CA, AZ, AR, MT, AL, TN, PR, NJ, AK, WY, WV, VI, ND; General Securities Representative; Investment Advisor Representative; Managed Futures
    NMLS#: 1272972
    CA Insurance License #: 0G62585
    AR Insurance License #: 13379634

    About Alphonse L. Gray

    I joined the MCMP Retirement Planning Group in 2000. Since then, I have worked extensively with corporate retirees to help them create strategies to meet their retirement income needs. I believe that helping clients understand the options they have at retirement is vital to their overall financial success, along with having frank discussions about investments, services and fees. I feel these are cornerstones to establishing a relationship based on trust.

    I am Series 7 and Series 66 licensed and I have a Bachelor’s of Information Systems Degree from Loyola University Chicago. I believe strongly in giving back to my community and my volunteer work includes Working In The Schools (WITS) and The Night Ministry. I also sit on the board of Ignition Community Glass.

    I grew up in the Western suburbs and now live on Chicago’s North side with my wife, Lauren, and our two sons.

    Awards
    Chicago Magazine: Five Star Wealth Managers, 2023-2024

    2023-2024 Five Star Wealth Manager Award
    Source: fivestarprofessional.com (Awarded 2023-2024). These awards were determined through an evaluation process conducted by Five Star Professional, based on objective criteria, during the following periods:
    2023 Award – 01/09/2023 - 07/31/2023
    2024 Award – 01/09/2024 - 08/09/2024
    Securities Agent: WA, WI, WV, VI, ND, WY, AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, PR, RI, SC, SD, TN, TX, UT, VA, VT; General Securities Representative; Investment Advisor Representative; Managed Futures
    NMLS#: 1401757
    CA Insurance License #: 4423374
    AR Insurance License #: 17637318

    About Benjamin L Keith

    Since joining the firm in 1996, I have worked with retirees to develop strategies for meeting their long-term goals for growth, income and wealth preservation.

    As a Certified Financial Planner, I have completed rigorous education requirements that focus on six major areas addressing a broad range of client issues: financial planning, estate planning, retirement planning, investment planning, tax planning and insurance. I welcome the opportunity to assist you in any of these areas.

    I hold a Bachelor’s of Finance Degree from Loyola University Chicago and a Financial Planning Certificate from Northwestern University. My volunteer work includes Breakthrough, Mission OLA, and the Greater Chicago Food Depository.
    Securities Agent: VA, DC, PR, FL, CA, AK, MI, ME, KY, AL, WY, PA, OK, KS, CT, CO, TX, SD, NJ, NE, MS, MO, MA, IN, AR, LA, ID, IA, VI, RI, OR, NH, HI, GA, AZ, WI, TN, MT, MN, WV, WA, SC, NM, ND, NC, MD, VT, UT, NV, DE, OH, NY, IL; General Securities Representative; Investment Advisor Representative
    NMLS#: 2709707
    CA Insurance License #: 4425712
    AR Insurance License #: 19698832

    About Maxwell T. Huck

    Since joining the firm and team in 2012, I have been working with corporate retirees to help them understand the benefit options they have at retirement and develop strategies for meeting their retirement income goals.

    As a Chartered Retirement Planning Counselor, I have completed education requirements that focus on pre-and postretirement needs, asset management, estate planning, Social Security, as well as Military and Government retirement benefits.

    I hold Series 7, 63, and 66 licenses, an Illinois Insurance License, and a Bachelor’s Degree in Management from Indiana University-Purdue University Fort Wayne. I am originally from Wisconsin, grew up in Fort Wayne, Indiana, and now live in Chicago’s Lakeview neighborhood with my wife, Natalie.
    Securities Agent: NY, PA, VA, WI, SD, WY, WV, WA, VT, VI, UT, TX, TN, SC, RI, PR, OR, OK, OH, NV, NM, NJ, NH, NE, ND, NC, MS, MO, MN, ME, MD, MA, KY, KS, IN, IL, ID, IA, HI, GA, FL, DE, DC, CT, CO, CA, AZ, LA, AR, AL, AK, MI, MT; General Securities Representative; Investment Advisor Representative
    NMLS#: 2423127
    CA Insurance License #: 4423375
    AR Insurance License #: 19448760

    About Sonja L. Schnell

    I joined Morgan Stanley and the MCMP Retirement Planning Group in 2013. Throughout my career with the team, I’ve assisted in constructing holistic financial plans for our clients and their families, as well as delivering the full suite of Morgan Stanley’s services.

    I am Series 7, 66, 9, 10, and Life and Health Insurance licensed, hold a BBA in Economics from Loyola University Chicago, and obtained the Certified Financial Planner designation (CFP®) from Northwestern University. I welcome the opportunity to assist you in any of the CFP® focus areas, including retirement planning, estate planning, investment planning, tax planning and insurance.

    I grew up in Akron, Ohio, but have happily lived in Chicago for over a decade, now residing in the Logan Square neighborhood.

    *Disclaimer: This role cannot solicit or provide investment advice.

    About Heather A. Harrigan

    I have been working with the firm since 2010. As part of the Client Service team, I am committed to maintaining the excellent relationship we have built with our clients by assisting with any inquiries, documentation, or requests relating to their accounts.

    I hold Series 7, Series 63, and Series 66 licenses, as well as a Bachelor’s of Arts Degree in Journalism from Loyola University Chicago. I grew up in Grand Rapids, Michigan and now live on the North side of Chicago.

    About Denise F. Hokl

    I have been with Morgan Stanley and its predecessors for 41 years. As part of the team, I provide operational and administrative support in maintaining our client relationships.

    I hold Series 7 and Series 66 licenses. I graduated with a Bachelor of Business Administration Degree from St. Mary’s College South Bend, IN. I grew up in Chicago, IL and currently live in the Northern Suburbs.

    About J. Peter Bautista

    I have been with the firm since 1995. As part of the Client Service Team, I assist in the consolidation of client assets and assists in the daily account processing for our clients. I previously worked as the branch’s wire room operator and apply this experience when expediting client activities.

    About Meghan C. Kosman

    I joined Morgan Stanley in 2022 as a member of the MCMP Client Service team, and am dedicated to fostering the relationships this team has developed with its many clients. I am Series 7 and Series 66 licensed, graduated from the University of Notre Dame with a degree in Psychology, and spent the last six years working in special education before transitioning to the firm. I grew up in the south suburbs and currently reside on the North side of Chicago.

    About Lawrence S. Menconi

    My responsibilities are focused on marketing, financial planning, and assisting the team’s Financial Advisors where they see fit.

    I am a graduate from DePaul University with a BBA in Marketing, and hold the Series 7 and Series 66 licenses. I started with the firm as an intern back in 2016 before transitioning into a full-time role as a Registered Associate.

    I grew up in the western suburb of Bloomingdale, and am an avid Chicago sports fan. Outside of the office, I enjoy golfing, cooking, and traveling the world.

    About Mark R. Horcher

    Since joining Morgan Stanley at the start of 2024, I have worked closely with our team’s Financial Advisors to assist in marketing, financial planning, and enhancing engagement with our prospective clients to deliver personalized financial solutions.

    I am a graduate of the University of Iowa’s Tippie College of Business, with a BBA in Finance. I also hold the SIE, Series 7, and Series 66 licenses.

    I grew up in Marion, Iowa, and now live in Chicago’s Lakeview neighborhood, where I enjoy playing golf, exploring the city, and cheering on the Iowa Hawkeyes.

    Hear From Our Clients

    Martin is more than a financial advisor; he is a trusted partner in my financial journey. His expertise and dedication have profoundly impacted my life. I highly recommend him to anyone seeking a knowledgeable, caring, and results-driven advisor. His proactive approach has improved my wealth, providing consistent investment growth and financial security. Martin's character, integrity, and client care set him apart. His support has improved my financial health and reduced market-related stress.
    checkmarkVerified Client
    Alphonse provided a complete financial plan, helped us secure our retirement home in California with the easiest mortgage process we’ve ever experienced, and guided us in obtaining long-term care insurance. He and his team are professional, courteous, and deliver a true "total package" experience-which is why I've referred my family members to him.
    checkmarkVerified Client
    I've worked with Morgan Stanley and Ben Keith for years. From the start, Ben impressed me with his professionalism and approachable manner in discussing my financial needs. I felt that Ben and Morgan Stanley understood my family's financial goals. As I approached retirement, they provided a roadmap showing early retirement was possible. Now, at 61, I'm celebrating my 5th retirement anniversary. My wife Julie and I are comfortable with our financial plan. Great job, Ben and team.
    checkmarkVerified Client
    My wife Sandy and I have worked with Alphonse for 15 years, finding him consistently responsive and knowledgeable in managing our retirement investments. He listens to our concerns and provides reassurance during market downturns, emphasizing the importance of focusing on long-term goals rather than daily fluctuations. We are very satisfied with his guidance and would not change a thing. We highly recommend reaching out to Alphonse for anyone interested.
    checkmarkVerified Client
    Max has done so much to increase my confidence and financial literacy. Max is always very responsive, easy to talk to and friendly. I feel like Max really cares about me and my goals. Max’s support and guidance during a tough financial situation was truly exceptional. I’m in a great position now, and it wouldn’t have been possible without Max and the team at Morgan Stanley.
    checkmarkVerified Client
    Alphonse is honest and highly knowledgeable. He’s been committed to my financial success in my retirement, almost 20 years! Also, Alphonse is very forward thinking when I needed to buy a rental property & when markets are volatile he strategizes for a successful outcome. I thank God Alphonse is my financial advisor which is why I’ve recommended him many times.
    checkmarkVerified Client

    Testimonial(s) solicited by Morgan Stanley and provided by current client(s) at the time of publication. No compensation of any kind was provided in exchange for the client testimonial(s) presented. Client testimonials may not be representative of the experience of other clients and are not a guarantee of future performance or success.

    3846129 9/24

    Awards and Recognition

    Forbes Best-In-State Wealth Advisors
    ​2021-2025 Forbes Best-In- State Wealth Advisors Source: Forbes.com (Awarded 2021-2025). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
    Forbes Best-In-State Wealth Management Teams
    2023-2025 Forbes Best-In-State Wealth Management Teams Source: Forbes.com (Awarded 2023-2025). Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of year prior to the issuance of the award.
    Forbes America's Top Wealth Management Teams
    2022-2024 Forbes America's Top Wealth Management Teams Source: Forbes.com (Awarded 2022-2024). Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of year the award was issued.
    Barron's Top 250 Private Wealth Management Teams
    2024-2025 Barron's Top 100 Private Wealth Management Teams (formerly referred to as Barron's Top 100 Private Wealth Management Teams, Barron's Top 50 Private Wealth Management Teams, Barron's Top 50 Private Wealth Advisory Teams) Source: Barrons.com (Awarded April 2024-2025). Data compiled by Barron's based on 12-month period concluding in Dec of the year prior to the issuance of the award.
    Five Star Wealth Advisor

    2012-2018, 2023-2024 Five Star Wealth Manager Award
    Source: fivestarprofessional.com (Awarded 2012-2018, 2023-2024). These awards were determined through an evaluation process conducted by Five Star Professional, based on objective criteria, during the following periods:
    2012 Award – 02/04/2011 - 08/03/2011
    2013 Award – 02/04/2012 - 08/03/2012
    2014 Award – 02/04/2013 - 08/03/2013
    2015 Award – 02/04/2015 - 08/03/2015
    2016 Award – 02/26/2016 - 08/19/2016
    2017 Award – 12/16/2016 - 08/03/2017
    2018 Award – 01/12/2018 - 08/17/2018
    2023 Award – 01/09/2023 - 07/31/2023
    2024 Award – 01/09/2024 - 08/09/2024

    5
    Wealth Management
    Global Investment Office

    Portfolio Insights

    Read More about On the Markets
    Read "On the Markets"
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    Equity Compensation

    Helping you make the most of your equity awards and better understand how it may fit into your your larger financial picture – today and tomorrow.

    • Vesting events
    • Option expirations
    • Restricted stock units
    • Tax implications

    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
    Learn More about Retirement
    You're Ready for Retirement. Is Your Portfolio?
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    You're Ready for Retirement. Is Your Portfolio?

    Market volatility and longevity may be two of the biggest risks to your retirement. Learn how annuities can potentially help bolster your retirement income strategy.

    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
    Learn More about Family
    Will AI Plan Your Next Vacation?
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    Will AI Plan Your Next Vacation?

    Generative artificial intelligence could upend travel planning, bringing disruption and opportunity to online travel agencies and search engines.

    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
    Learn More about Investing
    Rational Investing in an Age of Uncertainty
    Article Image

    Rational Investing in an Age of Uncertainty

    When it comes to investing, even the most savvy of us fall prey to bias and emotional trades. So what triggers should you watch for?

    Business Planning

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

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

    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
    Learn More about Philanthropy
    Donor Advised Funds: A Smart Way to Manage Your Giving
    Article Image

    Donor Advised Funds: A Smart Way to Manage Your Giving

    There's more to charitable giving than you may realize. Here's one method that may be a tax-efficient way to give and can help maximize your impact.

    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.
    Learn More about Financial Wellness
    The Business Case for a Financially Resilient Workforce
    Article Image

    The Business Case for a Financially Resilient Workforce

    In the face of turbulent markets, the word “resilience” may be top of mind. Broadly speaking, resilience is the ability to “bounce back” when encountering life’s inevitable challenges.
    Ready to start a conversation? Contact The MCMP Retirement Planning Group today.
    Market Information Delayed 20 Minutes
    CFP Board owns the marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the U.S., which it awards to individuals who successfully complete CFP Board's initial and ongoing certification requirements.

    1When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.

    For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.

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    2Morgan Stanley’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be appropriate for you. Please see the Morgan Stanley Smith Barney LLC program disclosure brochure (the “Morgan Stanley ADV”) for more information in the investment advisory programs available. The Morgan Stanley ADV is available at www.morganstanley.com/ADV.

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    3Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.

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    4Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.

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    5Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.

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    6Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.

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    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 always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.

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