Welcome to The Apex Point Group

At The Apex Point Group, we are a team of experienced and accomplished wealth advisors based in New York City and South Florida with distinct and complementary knowledge, experience, capabilities and perspectives.

Collectively, we have over 60 years of wealth management experience and have earned some of the highest industry credentials, including the Certified Financial Planner (CFP®), Certified Divorce Financial Analyst (CDFA®), Certified Investment Management Analyst (CIMA®), Chartered Special Needs Consultant (ChSNC®), and Chartered Alternative Investment Analyst (CAIA®) designations. In addition, Daniel Neuman CFP® was named among Forbes Best-In-State Wealth Advisors for 2022, 2023 and 2024. The Apex Point Group was also named a Forbes' 2022-2025 Best-In-State Wealth Management Team for Florida.

Whether you are planning for retirement, securing the funds to send your children or grandchildren to college, undergoing a financial transition, or passing along your financial legacy, we methodically create a tailored plan for you that aligns your goals and dreams with the strategies needed to help achieve them.

As we work together, you experience our disciplined approach that prioritizes exceptional service and ongoing communication. We are here for you every step of the way. Whether your needs are financial or not, our focus is your long-term success. The goal is for you to enjoy your wealth today while knowing you have a reliable plan for what comes tomorrow.

2022-2024 Forbes Best-In-State Wealth Advisors
Source: Forbes.com (Awarded 2022-2024). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.

2022-2025 Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded Jan 2022-2025). Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of year prior to the issuance of the award.

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.
Services Include
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*

Our Valued Clients & Team Process

At The Apex Point Group, our passion lies in working with clients who seek the same kind of long-term, fully engaged relationships we value.
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    Multigenerational Families
    Multi-generational wealth planning is at the core of our practice.

    Our financial planning process for individuals and families is a no judgement, deep-dive analysis of your current portfolio positioning, lifestyle/living expenses, goals and objectives, tax and estate planning considerations as well as potential charitable intent. That analysis drives our recommendations and strategy as it pertains to: forward looking financial planning, tax optimization strategies, asset allocation and investment implementation.

    Our process is communicative and comprised of an open and thorough dialogue. We build you a plan and strategy that can potentially make you feel confident and helps you achieve your goals. We believe directness and transparency is critical to your success. Our team can help preserve and grow your family’s wealth not only for today but also for multiple generations to follow.
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    Entrepreneurs, Executives, & Business Owners
    Our team works with a select clientele of highly affluent professionals and entrepreneurs, creating a comprehensive wealth management plan based on the goals they have for their businesses, their families and themselves.

    We have multiple clients who entrust us to advise on their company 401(k) and other retirement plans, helping ensure that they are properly structured to be beneficial for both employees and the company. We take into account plan design, fiduciary responsibility and corporate liability considerations, investment solutions and costs to the employer.

    We are accredited with the Certified Financial Planner® (CFP®) designation which provides us the insight to build and manage a long-term financial plan for you. Dan and Jeff are also Workspace Advisors–Equity Compensation, and can help with executive compensation considerations including equity grants/awards, vesting events and restricted stock units.
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    Individuals in Financial Transition
    We strive and help our clients to successfully transition smoothly through major life changes. We are dedicated advocates and experienced wealth managers who do some of our most beneficial work during periods of change.

    Whether you are selling a business, changing careers or considering or getting divorced, we will work with you and your other trusted professional advisors to help ensure you are thinking through all the important considerations and effectively positioned to move forward with confidence.

    As a Certified Divorce Financial Analyst® (CDFA®), Jeff has extensive experience with regards to financial planning in divorce circumstances.
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    Athletes & Entertainers
    The Apex Point Group is highly familiar with the unique challenges athletes and entertainers may be facing, from uneven cash flows to unpredictable career turns and uncommonly complex tax issues.

    The team also has specialized access to the capabilities of Morgan Stanley Global Sports & Entertainment, a dedicated division that focuses exclusively on the complex financial needs of professional athletes and entertainers.

    We understand the power of having a strong team behind you. We respect the role they play and understand how to work productively and harmoniously with your agent, business manager and other trusted professionals.
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    Small Team Feel at a Global Leader
    We are the ideal combination of a small-team feel within a global leader in Morgan Stanley. Our process is built on getting to know who you are as individuals, as couples, and as families. We work with you to understand your experiences as they relate to money and life, while providing our perspective on your finances and insight into the best possible approach for your situation.

    Morgan Stanley has devoted extensive resources to our financial planning services and is one of the leading wealth management firms globally. It is our commitment to use these capabilities to their fullest potential for our clients.
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    Deep Industry Experience and Knowledge
    Collectively we have over 50 years of experience in financial services, portfolio management, corporate retirement planning and advisory. We believe in taking an investment approach that reflects long-term growth themes, opportunistic market trends and a patient commitment to your overall strategy.

    We help our clients by providing them the market insights and rigorous due diligence that drive our business relationships. We provide the skills and guidance needed to help you grow your wealth in today’s ever-changing market environment.
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    Multigenerational Relationships
    Our priority as wealth advisors is building deep and personal relationships with our clients. We work with a select clientele who value our experience and our ability to provide comprehensive strategies that go well beyond investments.

    The bonds we form are fundamental to our mission and are evidenced by the generations of families we proudly serve.
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    Hands-On Investment Management
    Investment management is one of the most critical services we provide to you and your family. Our clients can benefit from the market insights and rigorous due diligence that drive our investment strategies.

    We believe in taking a conservative investment approach that reflects long-term growth themes, opportunistic market trends and a patient commitment to your financial plan.

Awards & Designations

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    Forbes Best-In-State Wealth Advisor 2024 - Daniel Neuman
    Check out Daniel's ranking from Forbes Best-In-State Wealth Advisors in Florida for 2024!

    Forbes Best-In-State Wealth Advisors
    Source: Forbes.com (Awarded April 2024). Data compiled by SHOOK Research LLC based on time period from 6/30/22 - 6/30/23.
    Click Here
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    Forbes Best-In-State Wealth Management Team 2024 - The Apex Point Group
    Check out The Apex Point Group's ranking from Forbes Best-In-State Wealth Management Teams in Florida for 2024!

    Forbes Best-In-State Wealth Management Teams
    Source: Forbes.com (Awarded Jan 2024). Data compiled by SHOOK Research LLC based on time period from 3/31/22 – 3/31/23.
    Click Here
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    Forbes Best-In-State Wealth Advisor 2023 - Daniel Neuman
    Check out Daniel's ranking from Forbes Best-In-State Wealth Advisors in Florida for 2023!

    Forbes Best-In-State Wealth Advisors
    Source: Forbes.com (Awarded April 2023). Data compiled by SHOOK Research LLC based on time period from 6/30/21 - 6/30/22.
    Click Here
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    Forbes Best-In-State Wealth Management Team 2023 - The Apex Point Group
    Check out The Apex Point Group's ranking from Forbes Best-In-State Wealth Management Teams in Florida for 2023!

    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.
    Click Here
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    Forbes Best-In-State Wealth Advisor 2022 - Daniel Neuman
    Check out Daniel's ranking from Forbes Best-In-State Wealth Advisors in Florida for 2022!


    Forbes Best-In-State Wealth Advisors
    Source: Forbes.com (Awarded Apr 2022). Data compiled by SHOOK Research LLC based on time period from 6/30/20 - 6/30/21.
    Click Here
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    CFP® - Certified Financial Planner® | Daniel Neuman and Jeffrey Embree
    The Certified Financial Planner® designation is awarded to candidates who have demonstrated expertise in the areas of Education, Investment, Tax, Retirement, Estate and Insurance planning. CFP® professionals must accrue several years of experience related to delivering financial planning services to clients and pass a comprehensive exam before calling themselves a CFP® Professional and are held to strict ethical standards to ensure financial planning recommendations are in the best interest of their clients.
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    CEPA® - Certified Exit Planning Advisor® | Daniel Neuman
    The CEPA® program is specifically designed for financial advisors who work closely with owners of privately held companies. CEPAs help identify, protect, build, harvest and manage wealth to assist business owners and their families through an exit transition.
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    QPFC® - Qualified Plan Financial Consultant® | Daniel Neuman
    QPFC is the professional credential for financial professionals who sell, advise, market or support qualified retirement plans. The QPFC program provides an understanding of general retirement planning concepts, terminology, distinctive features of qualified plans and the role of retirement plan professionals. The QPFC designation is sponsored by the National Association of Plan Advisors (NAPA).
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    ChSNC® - Chartered Special Needs Consultant® | Jeffrey Embree
    The ChSNC® designation demonstrates the expertise and commitment to serving the unique financial needs of families with special needs.
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    CDFA® - Certified Divorce Financial Analyst® | Jeffrey Embree
    A CDFA® is trained to provide financial advice on divorce cases and to educate clients on the financial implications of different divorce settlement proposals. The CDFA® designation is sponsored by the Institute for Divorce Financial Analysis. Certification requires successful completion of exams in the course of study, continuing education in the field and commitment to uphold the Institute’s Code of Ethics and Professional Responsibility.
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    CIMA® - Certified Investment Management Analyst® | Jeffrey Embree
    The CIMA® designation demonstrates the in-depth knowledge of advanced investment theory and portfolio management, as well as wealth management and financial planning.
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    FPS - Financial Planning Specialist | Daniel Neuman and Philip Poole
    Financial Planning Specialist is a selective designation awarded to advisors based on strong compliance record and suitable investment discipline allowing for the design and implementation of financial planning solutions with clients.

Our Digital Offerings

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    Portfolio Risk Platform - Aladdin
    Our new Portfolio Risk Platform, powered by Aladdin, empowers clients with better analysis of specific risk drivers, risk models based on simulated markets and more.

    Aladdin allows us to view your risk and returns across all of your portfolios – whether they’re held here at Morgan Stanley or at any other financial institutions. Let’s start working together to uncover risk across all of your investments. Let’s use the full suite of industry-leading risk analytics to help make your next investment decision.
    Sample Aladdin Report
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    LifeView
    LifeView is a suite of planning tools that includes goal-specific analysis that we can use to create a realistic, holistic strategy that integrates the various aspects of an individual’s financial life, including investments and cash management needs.

    LifeView provides progress-to-goals reporting and can also illustrate complex planning strategies such as methods of stock option exercise, Roth conversions and 401k early distributions under IRS Rule 72(t).
    Sample LifeView Financial Plan
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    Morgan Stanley Impact Quotient® (MS IQ)
    Investors have long sought the ability to understand the environmental and social impact of their investments. Morgan Stanley Impact Quotient (MS IQ) is a new set of capabilities available exclusively to Morgan Stanley clients to address this challenge.

    Developed through proprietary Firm technology and analytics, MS IQ is an innovative system that provides a customized approach to build a portfolio that captures your values and the Impact Preferences you care about most.
    Sample MS IQ Report
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    Morgan Stanley's Tax Planning Referral Network
    Not only can we handle your financial planning needs, but we can also connect you to experienced tax planning and preparation professionals at leading U.S.-based providers.

    Along with Morgan Stanley, we have established a referral network of tax service providers with offices across the country, to offer you optionality, as well as access to dedicated senior professionals at each firm. These firms can address the full spectrum of tax planning and preparation needs.
    Morgan Stanley's Tax Planning Referral Network
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    Morgan Stanley Cybersecurity Resources
    Your security is our top priority. Morgan Stanley proactively defends our systems and monitors our digital landscapes to anticipate issues before they arise and respond appropriately when they do.

    The firm is actively supporting multiple layers of security. Security includes the following; Strong encryption protocols designed to protect your data, continuous monitoring to help detect and prevent fraudulent activity in your accounts, routine testing of our systems to identify potential vulnerabilities, and independent reviews by outside security firms to penetration test our applications and evaluate our processes.
    Morgan Stanley Cybersecurity Resources
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    Reserved Living & Giving
    Reserved Living & Giving is a complimentary loyalty program for our most valued clients, with over 50 offers and discounts from premier brands designed to enhance your lifestyle beyond traditional wealth management services.

    Eligible Reserved clients can take advantage of a wide range of perks, including travel and cultural experiences from best-in-class planners, special pricing from iconic beauty, retail and automotive brands, and the latest fashion, wine and sweets from select emerging brands.
    Reserved Living & Giving

FAQs

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    Estate & Tax Planning Strategies
    Q: Can The Apex Point Group help navigate me through potential changes in tax codes, particularly for individuals in higher tax brackets?

    A: We are highly knowledgeable when it comes to tax planning strategies. When it comes to navigating ever-changing tax policies, we can work with your outside tax advisor to help ensure you and your family are well positioned should there be meaningful changes in tax codes.

    Q: Can The Apex Point Group build an estate plan for me that may help mitigate the effects of the estate tax?

    A: Our team serves as advisors for individuals and families with estate planning needs. We can help you manage your financial future and ensure your estate will be taken care of for generations to come.
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    Businesses & Corporations
    Q: I am looking to sell my business. Can The Apex Point Group develop a financial plan to guide me through the process?

    A: With over six decades of collective experience, we actively develop financial plans for clients with significant upcoming liquidity events. We will conduct due diligence on your business and financial future while determining the best course of action for you and your family.

    Q: Does The Apex Point Group work with equity plan sponsors and stock plan participants?

    A: As Workplace Advisors – Equity Compensation, Dan, Jeff and Phil are positioned to help you with executive compensation related to grants / awards, vesting events, restricted stock units, and more. Whether you are a stock plan participant or plan sponsor, we fully leverage our knowledge and resources to support your future.
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    Families & Individuals With Special Needs
    Q: Has The Apex Point Group worked with individuals that are going through a divorce or receiving alimony?

    A: As a Certified Divorce Financial Analyst (CDFA), Jeff provides financial advice on divorce cases and to educate clients on the financial implications of different divorce settlement proposals. Jeff has deep experience when it comes to financial planning for divorce, and can answer any questions you have throughout the process.

    Q: Can The Apex Point Group provide financial planning for individuals that have special needs?

    A: As a holder of the Chartered Special Needs Consultant (ChSNC) designation, along with his personal experience with his younger brother Jamie, Jeff has experience in important considerations such as financial planning, special needs trusts, resources for disability law, the ABLE act and life insurance.

    Disclaimer:
    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.
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    Charitable Giving & Philanthropy
    Q: Can The Apex Point Group develop a financial plan that incorporates my philanthropic goals?

    A: Our team is highly experienced in financial planning for individuals with significant charitable efforts and not-for-profit donations. We understand the value of charitable giving and involvement, and are actively involved in several philanthropic efforts ourselves.

    Q: Does The Apex Point Group have experience with tax planning strategies that integrate charitable giving?

    A: We have worked with many individuals on tax planning strategies that encompass their charitable efforts. We will work with you to achieve your philanthropic goals, so you can leave the legacy you envision for your family and the organizations you support.

Location

55 East 52nd Street
7th Floor
New York, NY 10055
US
Direct:
(212) 603-6215(212) 603-6215
Toll-Free:
(800) 843-0211(800) 843-0211
595 South Federal Hwy
Floor 4
Boca Raton, FL 33432
US
Direct:
(561) 394-8661(561) 394-8661

Meet The Apex Point Group

Photo of Michelle Contillo

Michelle Contillo

Senior Registered Client Service Associate
Phone:
(212) 603-6191(212) 603-6191
Photo of Rachal Rich

Rachal Rich

Assistant Vice President, Wealth Management Associate
Phone:
(561) 393-2083(561) 393-2083

About Daniel Neuman, CFP®, CEPA, FPS, QPFC

Daniel B. Neuman is an Executive Director, Senior Portfolio Management Director and Wealth Advisor within the Wealth Management Division of Morgan Stanley. His designations include CERTIFIED FINANCIAL PLANNER™ (CFP®), Certified Exit Planning Advisor (CEPA), Financial Planning Specialist (FPS), Alternative Investments Director, and Qualified Plan Financial Consultant (QPFC). He was named to Forbes' Best-In-State Wealth Advisors in Florida for 2022, 2023 and 2024. Dan and The Apex Point Group were also named a Forbes' 2022-2205 Best-In-State Wealth Management Team for Florida. He has also been recognized in Morgan Stanley's Masters Club.

Drawing on 20+ years of experience and Morgan Stanley’s global resources, Dan develops personalized strategies to address the complex needs of affluent individuals and their families particularly in the financial services industry. Together with specialists in different areas of expertise, Dan offers clients a comprehensive range of services, including: Discretionary portfolio management; “Core & Satellite” investment strategies; Retirement planning; Hedging and monetization of concentrated equity positions; Life insurance analysis and funding, and a full complement of wealth preservation and transfer services. His approach focuses on bringing together all of these elements into a cohesive and integrated financial plan that helps clients enhance and preserve their wealth while enjoying the lifestyle it affords.

Dan is a cum laude graduate with an honors degree in Finance and Business Law. Over his 20+ year career, Dan has performed numerous tasks that have contributed to his success as a Wealth Advisor. Many of his experiences range from equity arbitrage research to institutional interest rate derivative trading. As a philanthropist, Dan has contributed or is involved with many charities including, Student Sponsorship Program (SSP), Project Renewal, Wounded Warrior Project, and Leukemia & Lymphoma Society (LLS). Dan maintains offices in NYC and South Florida, and splits his time between both locations. He is an avid golfer, real estate investor and college football fan.

You can reach Dan at 212-603-6215.


2022-2024 Forbes Best-In- State Wealth Advisors
Source: Forbes.com (Awarded 2022-2024). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.

2022-2025 Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded Jan 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.
Securities Agent: PR, AZ, MS, MI, IL, HI, SC, NY, VT, DE, CT, VA, TX, TN, NV, NC, FL, CO, AL, AK, PA, OH, NH, MN, LA, KY, RI, MD, GA, MA, CA, WA, OR, NJ, IN, DC; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1279284

About Jeffrey S. Embree, CFP®, ChSNC®, CDFA®, CIMA®

Jeffrey S. Embree is a Senior Vice President and Financial Advisor within the Wealth Management Division of Morgan Stanley and a founding partner of the Apex Point Group. A dedicated learner throughout his career and a passionate industry impactor, Jeff is a member of the Association of Professional Investment Consultants (APIC). In addition, he has earned the designations of CERTIFIED FINANCIAL PLANNER® (CFP®), Chartered Special Needs Consultant® (ChSNC®), Certified Divorce Financial Analyst® (CDFA®) and Certified Investment Management Analyst® (CIMA®) from the Wharton School of Business at the University of Pennsylvania. The Apex Point Group were named from 2022 through 2025 as a Forbes' Best-In-State Wealth Management Team for Florida.

For more than 20 years, Jeff has served his clients with a unified approach to wealth management. He works primarily with high-net-worth individuals and families on their comprehensive wealth planning, portfolio management and asset allocation strategies that incorporate long-term trust and estate planning strategies with inter-generational family considerations. His professional focus also includes helping families prepare for the unique financial considerations that face people with special needs and the financial stages of divorce for those that are contemplating or pursuing marital dissolution.

In addition, Jeff works closely with business owners, Chief Financial Officers and Human Resource executives to help ensure that the 401(k) plans offered at their company are effectively structured and implemented.

Jeff has a passion for giving back to the community and is involved with various organizations focused on serving veterans, including American Corporate Partners. He is also actively involved with his alma mater, Colgate University, where he competed in hockey at the Division 1 level and now serves on the Alumni Council. Jeff continues to be devoted to hockey, serving as the President of the New York City chapter of Hockey Players in Business and plays frequently in his spare time. He is an avid skier, is actively involved as a member of the New York Athletic Club Ski Club and enjoys cycling. Jeff resides in Manhattan and the Hudson Valley with his wife, Emily Carey.

Disclaimers:
Asset Allocation does not assure a profit or protect against loss in declining financial markets.

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.

2022-2025 Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded 2022-2025). Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of year prior to the issuance of the award.
Securities Agent: MS, NV, IL, VA, TN, SC, NJ, MD, MA, IN, CT, VT, PA, CO, AZ, AK, NH, KY, WA, MI, GA, DE, CA, RI, OH, MN, HI, AR, NC, LA, DC, TX, PR, NY, AL, OR, FL; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1913321
CA Insurance License #: 0H62229

About Philip Poole, FPS, CAS®

As a First Vice President, Senior Portfolio Manager, and Financial Advisor at Morgan Stanley, Philip is focused on providing you with objective advice and premier services to help you protect, manage and grow wealth. Philip's first priority will always be helping you to achieve your financial success. Philip has spent the last 15 years serving high-net-worth investors and their families. Philip’s clients are located all over the country and he is licensed in multiple states for investment/ insurance services.

Prior to joining Morgan Stanley, Philip worked with John Hancock Financial Network in Boca Raton. He consistently was awarded with John Hancock’s ACE (Achieving Client Excellence) award and qualified for the Million Dollar Round Table (MDRT), an organization of some of the top financial advisors in the industry. Continuing education is crucial in financial services. Philip studied Finance at Florida Atlantic University. He presently holds multiple FINRA licenses; the series 7, series 6, series 63, series 65, and the state of FL’s 2-15 license for Health & Life insurance including Annuities. The Apex Point Group was named a Forbes' 2022-2025 Best-In-State Wealth Management Team for Florida.

In his spare time you will find Philip spending time with his family, fishing, bowling, playing golf, or playing softball. Philip has been married to Nicole since 2007 and they have 2 children, Mariah and Jaxson.


2022-2025 Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded Jan 2023) Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of year prior to the issuance of the award.
Securities Agent: TN, FL, VT, PR, AZ, AL, PA, OR, IL, WA, NV, NC, LA, VA, SC, NY, NH, CO, OH, KY, GA, NJ, MI, DE, AK, MD, CT, CA, MN, TX, RI, HI, MS, MA; General Securities Representative; Investment Advisor Representative
NMLS#: 1650440

About Samuel F. Nuber, CAIA®*

Sam’s principal focus as team analyst is providing clients with customized investment solutions to help them achieve their long term financial goals and navigate challenging market environments. His experience and passion for all things investing helps him review client portfolios and identify opportunities to implement tailored investment advice. Sam is also responsible for all investment due diligence and understanding how the objectives of each strategy fit with the goals of our clients. He also constantly monitors both economic and market conditions to pinpoint when certain tactical strategies may be implemented. He currently holds the Chartered Alternative Investment Analyst (CAIA®) designation.*

Sam graduated from Colby College with a bachelor’s degree in economics and also competed in football for the school. He currently resides on the Upper East Side with his wife Robin and is an avid sports fan, softball player, and cook.

*This role cannot solicit or provide investment advice

About Michelle Contillo

Michelle is a Senior Registered Client Associate with 20 years experience in the financial industry. She worked on the floor of the New York Stock Exchange for 10 years, and transitioned over to Morgan Stanley in 2007. Michelle is often the first line of contact on a broad array of administrative and operational services for clients. From opening and processing new account documents, trades, client wires, checks, journals, ACH transactions and a variety of other client inquiries. Michelle is passionate about providing excellent service with patience and dedication.

Michelle holds a Bachelor of Arts from Eastern Connecticut State University and currently holds a Series 7 and 63 FINRA registrations. Outside of the office, she enjoys spending time with her family and friends, traveling and listening to live music.

About Rachal Rich

Rachal Rich is a Wealth Management Associate at Morgan Stanley. With more than 25 years of experience in financial services, Rachal focuses on helping ensure that clients’ wealth management needs are met with diligence and in keeping with their larger financial goals.

Rachal began her career in financial services as a Client Services Associate with Smith Barney in 1997. Over the years, she became a leader in that role and was recognized for her outstanding achievements and excellence in client service. It was a natural progression for Rachal to enter Morgan Stanley’s Financial Advisor Associate program in 2018.

With a strong work ethic and client-centered approach, Rachal has extensive experience with all aspects of the financial planning process.

Outside of work, Rachal is passionate about giving back to the community. In her spare time, she volunteers at several animal rescue shelters and family centers.

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
Photo of Walter J. Henry

Walter J. Henry

Associate Private Banker
Photo of Brad Burton

Brad Burton, CFA, CFP®

Financial Planning Director, Vice President

About Walter J. Henry

Walter Henry is an Associate Private Banker serving Morgan Stanley Wealth Management offices in New York.

Associate Private Bankers partner with Private Bankers and 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.

Walter began his career in financial services in 1996, and joined Morgan Stanley in 2022 as an Associate Private Banker. Prior to joining the firm, he was a Wealth Management Banker at the UBS Bank USA.

Walter is a graduate of Fairfield University, where he received a Bachelor of Science in Finance and Fordham University where he received an MBA in Finance. He lives in Spring Lake Heights, New Jersey with his family. Outside of the office, Walter is a Sunday Usher at St. Mark’s Church in Sea Girt, NJ, and he enjoys playing golf, biking, and traveling.
NMLS#: 1590965

About Brad Burton

Brad Burton is a Vice President and Financial Planning Director serving Morgan Stanley’s Palm Beach Complex. He is responsible for helping Financial Advisors with their clients' and prospects' financial planning needs.

Brad began his career in financial services in 2010 and joined Morgan Stanley in 2020. Prior to his current role, he has held Senior Investment and Planning positions with J.P. Morgan, Northwestern Mutual and TIAA, working closely with high-net-worth and ultra-high-net-worth families.

Brad earned his MBA in Finance from the University of Arizona, is a CFA® Charterholder and a CERTIFIED FINANCIAL PLANNERTM Professional.

He currently resides in Weston, FL with his wife Marisa, daughter Brooke, and their pup Wally. In their spare time they enjoy hiking, going to the beach and trying all the local restaurants.
Wealth Management
Global Investment Office

Portfolio Insights

Read More about On the Markets
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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
Learn More about Retirement
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4 Financially Smart Ways to Take Money Out of Retirement Accounts

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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
Learn More about Investing
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2025 Global Economic Outlook: U.S. Policies May Temper Global Growth

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

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
Taking Control of Your Finances After Death of a Spouse
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Taking Control of Your Finances After Death of a Spouse

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

Business Planning

Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
  • Succession Planning
  • Business Planning
  • Qualified Retirement Plans
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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 
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Donor Advised Funds: A Smart Way to Manage Your Giving 

There’s more to charitable giving than you may realize. Here’s one method that may be a tax-efficient way to give and can help maximize your impact.
Ready to start a conversation? Contact The Apex Point Group today.
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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 Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.

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

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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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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.

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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, charitable giving, philanthropic planning and other legal matters.

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5Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.

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6Morgan 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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7Morgan 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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8Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.

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9Morgan 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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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.

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Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.

The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.

Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
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The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.

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

Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.

The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.

*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.

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The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney.  The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.

Awards Disclosures
CRC 6491812 (04/2024)