Samuel E Zimmerman, CFP®
Senior Vice President, Wealth Management, Financial Advisor, Financial Planning Specialist, Senior Portfolio Manager
Phone:
(518) 386-2904(518) 386-2904
The Mohawk Valley Group at Morgan Stanley
John HendricksSamuel E Zimmerman, CFP®Jeffrey M HollanderBrian GoldwasserJames K MeisnerTerri ColvinApril Wilson
Direct:
(518) 386-2904(518) 386-2904
Toll-Free:
(800) 438-5843(800) 438-5843
Our Mission Statement
Excellence in helping clients organize and manage their financial lives
Mohawk Valley Group Story
At the Mohawk Valley Group, quality of personalized service is the foundation of everything we do. We believe that managing wealth involves far more than managing an investment portfolio. It begins with developing a deep, comprehensive understanding of who you are and the financial forces at work in your life. It means helping you understand and respond effectively to these forces. And, of course it means helping you invest your assets in a way that reflects the realities of your life and the uniqueness of your long term goals.
As Financial Advisors, we are committed to building a relationship of trust in which we can work closely with you to help you define your objectives, explore alternatives and choose the financial and investment strategies that are most appropriate for you. As our relationship evolves, we hope you will come to regard us as a valued resource and professionals who can help you make informed decisions on any financial issue.
Our most important goal: to help you achieve your objectives by providing guidance that helps your wealth do more for you.
As Financial Advisors, we are committed to building a relationship of trust in which we can work closely with you to help you define your objectives, explore alternatives and choose the financial and investment strategies that are most appropriate for you. As our relationship evolves, we hope you will come to regard us as a valued resource and professionals who can help you make informed decisions on any financial issue.
Our most important goal: to help you achieve your objectives by providing guidance that helps your wealth do more for you.
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Working With You
As your dedicated wealth management team, our role is to tailor a personalize financial strategy which fits your needs. In our experience working with clients, we have developed a step-by-step approach to service:
Discover 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.
Lending
Providing our clients with solutions to help satisfy their needs of liquidity, asset acquisition financing and protection of wealth without liquidating your assets.
401(k) Rollovers
Rollovers can be beneficial to you in several ways and can help simplify your life by consolidating your assets. We can help address any insecurities and make taking required minimum distribution's easier. You also have the full suite of an open platform from which to choose investments from.
Wealth Management
We take a holistic approach to bring all the aspects of your financial life together. We use our analysis and experience to develop a customized plan for you.
Asset Management
Based on your goals, assets and input, we create an investment strategy tailored to your unique needs.
Financial Planning
Your goals, assets, liabilities and other important information are gathered and analyzed. We then use our perspective and experience with other unique clients like you to make recommendations on spending, giving and living.
Retirement Planning
You have worked hard to get where you are at, now it is up to us to help you live the retirement that you have always dreamed of.
The Morgan Stanley Wealth Management process begins with you, your investment objectives and financial planning goals. Holistic in its approach, it may encompass all the elements of your financial life -- your investments and your cash management needs -- making sure they align with your goals and wealth management plan.
Our sophisticated suite of tools and the extensive list of resources that Morgan Stanley offers allows us to translate your goals into reality.
Whatever your financial goal -- whether to grow your wealth, preserve it or pass it on to others, you can count on us to help you with a strategy that is:
Our sophisticated suite of tools and the extensive list of resources that Morgan Stanley offers allows us to translate your goals into reality.
Whatever your financial goal -- whether to grow your wealth, preserve it or pass it on to others, you can count on us to help you with a strategy that is:
1. Personal
Highly individualized and committed to helping you achieve financial success.
2. Flexible
Responsive to changes in your life and in your priorities over time.
3. Comprehensive
Covering a broad array of investment products and services, with preferred benefits tied to your valued status with us.
Financial Planning Analysis
To begin your complementary financial planning analysis, please check back soon for a link to our financial planning questionnaire.
OUTLOOKS & UPDATES
Here at The Mohawk Valley Group, we strive to simplify complex financial ideas so that our clients understand what is being done on their behalf to plan for their financial future. We are firm believers of giving our clients as many resources as possible so they can stay informed about the latest market trends, outlooks, and breakdowns. The links below provide detailed analysis on interesting topics that are affecting the finance and business worlds.
Global Investment Committee on the Markets
A monthly publication that summarizes the Global Investment Committee’s market outlook and contains thought-provoking essays that examine the forces shaping the investment landscape. Check out this month's edition here.
GIC on the Markets Report
GIC Weekly
The Global Investment Committee's Lisa Shalett headlines this weekly look at markets, asset class performance and fixed income. Click the link below to read the full report.
Read: "GIC Weekly"
Morgan Stanley Online
Your investments and everyday finances are always just a few clicks away with Morgan Stanley Online (MSO) and the Morgan Stanley Mobile app.
Learn More About MSOLocation
1212 Troy Schenectady Road
Latham, NY 12110
US
Direct:
(518) 386-2904(518) 386-2904
Toll-Free:
(800) 438-5843(800) 438-5843
Fax:
(518) 386-2995(518) 386-2995
Meet The Mohawk Valley Group
Brian Goldwasser
Financial Advisor, Portfolio Manager, Financial Planning Specialist
Phone:
(518) 386-2987(518) 386-2987
John Hendricks
First Vice President, Wealth Management, Financial Advisor, Vice President, Financial Planning Specialist
Phone:
(518) 386-2925(518) 386-2925
Jeffrey M Hollander
Senior Vice President, Financial Advisor
Phone:
(518) 386-2922(518) 386-2922
Phone:
(518) 386-2908(518) 386-2908
Terri Colvin
Portfolio Associate
April Wilson
Registered Associate
Phone:
(518) 386-2920(518) 386-2920
About Samuel E Zimmerman
Sam Zimmerman is a Senior Vice President and Financial Advisor for The Mohawk Valley Group at Morgan Stanley. In 2002, Sam graduated from Siena College in Loudonville, New York, with majors in Accounting and Mathematics. After graduating, Sam worked for KPMG, LLP in their Albany, New York office as an auditor from 2002 to 2006 and earned his CPA license during that period. He then enrolled at Union Graduate College in Schenectady, New York, earning a Master of Arts Teaching degree, and he taught mathematics at Gloversville Middle School for two years. In August 2009, Sam changed career paths and joined The Mohawk Valley Group alongside his father, who recently retired in 2019. Currently holding his Certified Financial Planner (CFP), Financial Planning Specialist, and Senior Portfolio Manager designations, Sam focuses on building financial plans and managing investment portfolios for the team's clients.
Sam is involved in many community activities and organizations in the Mohawk Valley Region of New York State, including the Saints Alive! Athletics Advisory Council at Siena College. In his free time, Sam enjoys spending time with his wife and two sons, and is active member in the church communities of Broadalbin and Gloversville, New York.
He is Series 7 and Series 66 registered, and is also Life, Accident, and Health Insurance licensed.
Sam is involved in many community activities and organizations in the Mohawk Valley Region of New York State, including the Saints Alive! Athletics Advisory Council at Siena College. In his free time, Sam enjoys spending time with his wife and two sons, and is active member in the church communities of Broadalbin and Gloversville, New York.
He is Series 7 and Series 66 registered, and is also Life, Accident, and Health Insurance licensed.
Securities Agent: WY, WI, WA, VT, VI, VA, UT, TX, TN, SC, RI, PA, OR, OH, NY, NV, NJ, NH, NC, MO, MN, MI, ME, MD, MA, IN, IL, ID, IA, GA, FL, DE, DC, CT, CO, CA, AZ, AL, AK; General Securities Representative; Investment Advisor Representative
NMLS#: 1290486
NMLS#: 1290486
About Brian Goldwasser
Brian Goldwasser is a Financial Advisor with the Mohawk Valley Group at Morgan Stanley. Brian graduated from SUNY Binghamton in 2011, majoring in Business - Finance. After graduation, Brian spent over a decade in the NYC banking world, at institutions including J.P. Morgan and HSBC, in a variety of roles focused on relationship management before joining the Mohawk Valley Group in early 2022.
Brian’s role within the team is to provide clients with knowledgeable investment advice and to create comprehensive financial plans. Brian enjoys helping people and forming long-lasting relationships with his clients. He currently holds his Series 7 and 66 licenses.
In early 2022, Brian moved from New York City to upstate New York, where he currently resides in Niskayuna with his wife and two young children. In his free time, Brian likes getting outdoors with his family, travelling and playing tennis and basketball. Brian is also an avid NY sports fan, rooting on the Rangers, Yankees, Giants, and Knicks.
Brian’s role within the team is to provide clients with knowledgeable investment advice and to create comprehensive financial plans. Brian enjoys helping people and forming long-lasting relationships with his clients. He currently holds his Series 7 and 66 licenses.
In early 2022, Brian moved from New York City to upstate New York, where he currently resides in Niskayuna with his wife and two young children. In his free time, Brian likes getting outdoors with his family, travelling and playing tennis and basketball. Brian is also an avid NY sports fan, rooting on the Rangers, Yankees, Giants, and Knicks.
Securities Agent: DE, GA, IA, ID, IL, IN, MA, MD, ME, MN, NC, NH, NJ, NY, OH, PA, RI, SC, TX, VA, VT, WA, MI, FL, AK, AL, AZ, CA, CO, CT, DC; General Securities Representative; Investment Advisor Representative
NMLS#: 2392602
NMLS#: 2392602
About John Hendricks
With over 27+ years in the wealth management field, I strive to deliver world-class service to a select group of individuals, families, and corporations through professional experience, vast resources, and the global reach of Morgan Stanley.
I currently hold my Series 7, 63 and 65 licenses and am registered to offer Life, Accident and Health Insurance. I help simplify client’s lives by offering objective advice, collaborating with their other advisors, and delivering customized wealth advisory strategies aligned with their personal and financial goals.
As a graduate of Monmouth University with a Bachelor’s Degree in Mathematics in 1991, I started my career in the Financial Industry in 1993. I worked for Bank of America / Merrill Lynch for 18 years before joining Morgan Stanley in 2011.
Over my career, I have served in roles such as: Financial Advisor, Regional Manager and Private Banker. My responsibilities included liability management, Financial Planning and developing asset & investment strategies. Over the years, I have covered and supported territories in New York, Pennsylvania, New Jersey and all of New England, spending roughly 10 years of my career in Boston before moving to the Capital Region in 2012.
I currently reside in Clifton Park, NY and I enjoy spending time with my children and watching them compete and grow. I was captain of my Division I Cross Country / Track and Field Teams in college and specialized in the mile and 800 meters.
I stay active and compete in endurance events such as triathlons and have completed multiple marathons. You will also see me and my family at many charity 5K runs in the community supporting local causes.
In 2014, I lost my wife and have been raising my 3 children and they have adjusted well. Through this experience, I have learned a great deal and have been able relate to many of my client’s needs as they navigate similar life events.
I currently hold my Series 7, 63 and 65 licenses and am registered to offer Life, Accident and Health Insurance. I help simplify client’s lives by offering objective advice, collaborating with their other advisors, and delivering customized wealth advisory strategies aligned with their personal and financial goals.
As a graduate of Monmouth University with a Bachelor’s Degree in Mathematics in 1991, I started my career in the Financial Industry in 1993. I worked for Bank of America / Merrill Lynch for 18 years before joining Morgan Stanley in 2011.
Over my career, I have served in roles such as: Financial Advisor, Regional Manager and Private Banker. My responsibilities included liability management, Financial Planning and developing asset & investment strategies. Over the years, I have covered and supported territories in New York, Pennsylvania, New Jersey and all of New England, spending roughly 10 years of my career in Boston before moving to the Capital Region in 2012.
I currently reside in Clifton Park, NY and I enjoy spending time with my children and watching them compete and grow. I was captain of my Division I Cross Country / Track and Field Teams in college and specialized in the mile and 800 meters.
I stay active and compete in endurance events such as triathlons and have completed multiple marathons. You will also see me and my family at many charity 5K runs in the community supporting local causes.
In 2014, I lost my wife and have been raising my 3 children and they have adjusted well. Through this experience, I have learned a great deal and have been able relate to many of my client’s needs as they navigate similar life events.
Securities Agent: IN, CO, NJ, PA, MA, CT, NC, MD, NV, RI, OR, SC, IL, IA, DC, FL, GA, NH, ME, VT, MN, MI, MT, WA, AL, AZ, WI, AK, TX, VI, VA, NY, OH, DE, ID, CA, SD; General Securities Representative; Investment Advisor Representative
NMLS#: 20943
NMLS#: 20943
About Jeffrey M Hollander
With over 40 years of experience at Morgan Stanley and its predecessor firms, I currently serve as a Financial Advisor with the firm. My primary responsibilities are organizing and managing clients’ financial lives which includes: Financial & Retirement Planning, Investment Strategies, Portfolio Management, Risk Management and Wealth Transfer.
My clients come from many different backgrounds which includes high net worth families, private businesses, and corporate executives. Our team, The Mohawk Valley Group works to help create a meaningful difference in clients’ lives by guiding them to make well-informed financial decisions for themselves and their families.
I retired this past December 2024 as Branch Manager of the Latham NY office ending 24 years in Branch Management. It was an honor and privilege to work with so many talented and skilled professionals dedicated to helping their clients reach their financial goals.
Prior to joining the Latham branch, my experience includes serving as a Branch Manager in Roseland, NJ (2004-2008), Sales Manager in Purchase, NY (2000-2004), and as a Financial Advisor on Long Island, NY (1983-2000).
I graduated from SUNY Albany with a Bachelors of Arts degree in History & English. Shortly after, I worked for Dun & Bradstreet serving in several capacities including: Credit Analyst, Senior Staff Accountant, Manager - Accounting Operations, and Product Manager. While working at D&B, I earned my MBA at Hofstra University with a concentration in Banking, Finance, and Investments.
I currently reside in Niskayuna, NY with my wife of over 40 years, Barbara and I have 3 grown daughters: Rachel, Jaime and Jaclyn. I also have 4 grandchildren, Jack, Eden, Mia, and Eli. My hobbies include golf, gardening, reading, and travelling.
My passion over the past 25 years is to help in alleviating food insecurity by serving on the Board of Directors of the Regional Food Bank of Northeastern NY as well as its Development and Finance Committees. My term on the Board recently ended but my passion has not. I look forward to continuing to focus on this basic necessity of life as the need grows even greater.
My clients come from many different backgrounds which includes high net worth families, private businesses, and corporate executives. Our team, The Mohawk Valley Group works to help create a meaningful difference in clients’ lives by guiding them to make well-informed financial decisions for themselves and their families.
I retired this past December 2024 as Branch Manager of the Latham NY office ending 24 years in Branch Management. It was an honor and privilege to work with so many talented and skilled professionals dedicated to helping their clients reach their financial goals.
Prior to joining the Latham branch, my experience includes serving as a Branch Manager in Roseland, NJ (2004-2008), Sales Manager in Purchase, NY (2000-2004), and as a Financial Advisor on Long Island, NY (1983-2000).
I graduated from SUNY Albany with a Bachelors of Arts degree in History & English. Shortly after, I worked for Dun & Bradstreet serving in several capacities including: Credit Analyst, Senior Staff Accountant, Manager - Accounting Operations, and Product Manager. While working at D&B, I earned my MBA at Hofstra University with a concentration in Banking, Finance, and Investments.
I currently reside in Niskayuna, NY with my wife of over 40 years, Barbara and I have 3 grown daughters: Rachel, Jaime and Jaclyn. I also have 4 grandchildren, Jack, Eden, Mia, and Eli. My hobbies include golf, gardening, reading, and travelling.
My passion over the past 25 years is to help in alleviating food insecurity by serving on the Board of Directors of the Regional Food Bank of Northeastern NY as well as its Development and Finance Committees. My term on the Board recently ended but my passion has not. I look forward to continuing to focus on this basic necessity of life as the need grows even greater.
Securities Agent: SC, DE, UT, NH, NE, MD, IA, WI, VI, OH, MA, CO, TX, NJ, ND, SD, MS, MN, IL, AL, OK, MO, MI, ME, CA, AZ, VT, VA, OR, NY, MT, DC, WY, WV, NC, GA, FL, PR, NV, KY, ID, CT, AK, RI, PA, IN, AR, HI, WA, TN, NM, LA, KS; BM/Supervisor; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 172764
NMLS#: 172764
About James K Meisner
With more than 34 years of experience, I strive to help clients manage their financial lives by developing deep relationships with those that I serve, and I pride myself on helping members of my community plan for their financial future. Being in the business for quite some time, I use both experience and investment knowledge to provide clients personalized and knowledgeable advice and strategies.
My investment career started in 1974 after graduating from the University of Albany with a Bachelor’s degree in Accounting. I started as a Financial Advisor at Prudential Finance for 10 years before joining Morgan Stanley. Currently, my credentials include the Series 7 and 66 licenses. I am also registered to offer Life & Health insurance. My approach is “high touch” in the sense that I meet with and speak with clients frequently. Not only do I provide investment advice, but also any other financial advice clients may need.
In my free time, I enjoy reading and listening to podcasts. I also enjoy traveling the world with my wife, Judi. My wife and I have 3 children, Elizabeth, Christopher, and Michelle, and 6 grandchildren.
My investment career started in 1974 after graduating from the University of Albany with a Bachelor’s degree in Accounting. I started as a Financial Advisor at Prudential Finance for 10 years before joining Morgan Stanley. Currently, my credentials include the Series 7 and 66 licenses. I am also registered to offer Life & Health insurance. My approach is “high touch” in the sense that I meet with and speak with clients frequently. Not only do I provide investment advice, but also any other financial advice clients may need.
In my free time, I enjoy reading and listening to podcasts. I also enjoy traveling the world with my wife, Judi. My wife and I have 3 children, Elizabeth, Christopher, and Michelle, and 6 grandchildren.
Securities Agent: MN, AZ, OH, MA, VT, NH, IA, FL, PA, NY, NC, ID, DC, WV, NJ, MI, IL, UT, RI, MD, AL, AK, WA, GA, DE, CT, WI, ME, CO, TX, OR, NV, IN, CA, AR, VA, SC; General Securities Representative; Investment Advisor Representative
NMLS#: 1475833
NMLS#: 1475833
About Terri Colvin
Terri Colvin attended Adirondack Community College (Glens Falls, NY) from 1988 to 1990, and Siena College (Loudonville, NY) from 1993 to 1994. She began her career working in the banking industry with Albany Savings Bank in 1988. Her roles ranged from Teller, to Head Teller to Assistant Branch Manager at Charter One Bank until 2000. In 2001, Terri transferred to the financial services industry with this firm and worked in the Operations Department from 2001 to 2007. Subsequently, she became a Client Service Associate and earned her Series 7 and Series 63 registrations. Terri’s primary responsibilities include serving as a resource to Financial Advisors, Support Staff and clients; reviewing client activity for digital and self-service opportunities; reviewing money movements and deposits; monitoring specific delegated reports, requests and executing items to meet service level expectations in a timely manner. Terri brings decades of exceptional service, dedication, and knowledge to the Mohawk Valley Group.
About April Wilson
April Wilson, Registered Associate
April joined Morgan Stanley in 2017 assisting Financial Advisors with all their business needs to help them service their clients and run their business efficiently. She oversees all aspects of client service and compliance to make sure everything is in good order. April assists and educates clients on all the tools that Morgan Stanley has to offer, including Morgan Stanley Online (MSO).
April graduated Schalmont High School in 1994 and Albany VOTEC with a Cosmetology License. She worked in the beauty industry until 1998 when she changed careers. April started working for Household Finance Corporation as a Sales Assistant until HSBC took over and closed the lending branches in 2009.
In 2010, April became a teller for HSBC bank, which later became First Niagara Bank. During her time there, she became a Client Sales Associate and assisted clients with customer service and their lending needs. In 2016, First Niagara became KeyBank. While working for KeyBank, she began studying to obtain her investment licensing as a Licensed Representative. It was during this period when April decided to start a career with Morgan Stanley where she now holds Series 7 and Series 66 securities licenses.
April enjoys spending time with her husband and grown children around the house and most notably loves her dogs.
Series 7 and 66 securities licenses, Licensed Notary Public
April joined Morgan Stanley in 2017 assisting Financial Advisors with all their business needs to help them service their clients and run their business efficiently. She oversees all aspects of client service and compliance to make sure everything is in good order. April assists and educates clients on all the tools that Morgan Stanley has to offer, including Morgan Stanley Online (MSO).
April graduated Schalmont High School in 1994 and Albany VOTEC with a Cosmetology License. She worked in the beauty industry until 1998 when she changed careers. April started working for Household Finance Corporation as a Sales Assistant until HSBC took over and closed the lending branches in 2009.
In 2010, April became a teller for HSBC bank, which later became First Niagara Bank. During her time there, she became a Client Sales Associate and assisted clients with customer service and their lending needs. In 2016, First Niagara became KeyBank. While working for KeyBank, she began studying to obtain her investment licensing as a Licensed Representative. It was during this period when April decided to start a career with Morgan Stanley where she now holds Series 7 and Series 66 securities licenses.
April enjoys spending time with her husband and grown children around the house and most notably loves her dogs.
Series 7 and 66 securities licenses, Licensed Notary Public
Contact Samuel E Zimmerman
Contact Brian Goldwasser
Contact John Hendricks
Contact Jeffrey M Hollander
Contact James K Meisner
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
Michael Ryan
Private Banker
About Michael Ryan
Michael Ryan is a Private Banker serving Morgan Stanley Wealth Management offices in New Jersey and New York.
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.
Michael began his career in financial services in 2010 and joined Morgan Stanley in 2017. Prior to joining the firm, he was a Citigold Relationship Manager for Citibank in Queens, NY. Michael was also a Private Client Banker with JP Morgan Chase Bank in New Jersey.
Michael is a graduate of Ramapo College where he received a Bachelor of Science with a concentration in Law and Society Studies. He lives at the Jersey Shore with his family. Outside of the office, Michael donates his time to the Juvenile Diabetes Research Foundation. He enjoys playing golf, skiing, the beach, and spending time with his family.
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.
Michael began his career in financial services in 2010 and joined Morgan Stanley in 2017. Prior to joining the firm, he was a Citigold Relationship Manager for Citibank in Queens, NY. Michael was also a Private Client Banker with JP Morgan Chase Bank in New Jersey.
Michael is a graduate of Ramapo College where he received a Bachelor of Science with a concentration in Law and Society Studies. He lives at the Jersey Shore with his family. Outside of the office, Michael donates his time to the Juvenile Diabetes Research Foundation. He enjoys playing golf, skiing, the beach, and spending time with his family.
NMLS#: 600637
Private Bankers, Ultra High Net Worth ("UHNW") Specialists, PBG Market Managers, Lending Advisors, Mortgage Consultants, Regional Mortgage Specialist, Cash Management Specialists, Associate Private Bankers are employees of Morgan Stanley Private Bank, National Association.
Banking products and services are offered by Morgan Stanley Private Bank, National Association, Member FDIC.
Morgan 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
Banking products and services are offered by Morgan Stanley Private Bank, National Association, Member FDIC.
Morgan 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
Wealth Management
From Our Team
How to Handle Volatility
Wealth Management
Global Investment Office
Portfolio Insights
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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
A Simple Six-Step Retirement Checkup
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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
Rational Investing in an Age of Uncertainty
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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 Mohawk Valley Group today.
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.
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States. Morgan Stanley Wealth Management is a business of Morgan Stanley Smith Barney LLC.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
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.
3Morgan 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.
4When 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.
5Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
6Investors should consider many factors before deciding which 529 plan is appropriate. Some of these factors include: the Plan's investment options and the historical investment performance of these options, the Plan's flexibility and features, the reputation and expertise of the Plan's investment manager, Plan contribution limits and the federal and state tax benefits associated with an investment in the Plan. Some states, for example, offer favorable tax treatment and other benefits to their residents only if they invest in the state's own Qualified Tuition Program. Investors should determine their home state's tax treatment of 529 plans when considering whether to choose an in-state or out-of-state plan. Investors should consult with their tax or legal advisor before investing in any 529 Plan or contact their state tax division for more information. Morgan Stanley Smith Barney LLC does not provide tax and/or legal advice. Investors should review a Program Disclosure Statement, which contains more information on investment options, risk factors, fees and expenses and possible tax consequences.
7Morgan 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.
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
9Morgan 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.
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.
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.
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 | Morgan Stanley
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States. Morgan Stanley Wealth Management is a business of Morgan Stanley Smith Barney LLC.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
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.
3Morgan 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.
4When 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.
5Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
6Investors should consider many factors before deciding which 529 plan is appropriate. Some of these factors include: the Plan's investment options and the historical investment performance of these options, the Plan's flexibility and features, the reputation and expertise of the Plan's investment manager, Plan contribution limits and the federal and state tax benefits associated with an investment in the Plan. Some states, for example, offer favorable tax treatment and other benefits to their residents only if they invest in the state's own Qualified Tuition Program. Investors should determine their home state's tax treatment of 529 plans when considering whether to choose an in-state or out-of-state plan. Investors should consult with their tax or legal advisor before investing in any 529 Plan or contact their state tax division for more information. Morgan Stanley Smith Barney LLC does not provide tax and/or legal advice. Investors should review a Program Disclosure Statement, which contains more information on investment options, risk factors, fees and expenses and possible tax consequences.
7Morgan 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.
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
9Morgan 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.
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.
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.
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 | Morgan Stanley
CRC 4665150 (8/2025), 4763067 (9/2025)
