Executive Director, Wealth Management, Financial Advisor, Senior Investment Management Consultant
Phone:
(410) 494-8097(410) 494-8097
Our Mission Statement
To make a positive difference in your life, by leveraging our experience, the firm's intellectual capital and our commitment to advice tailored to your unique financial objectives.
Our Story and Services
As your Financial Advisors, we can help you define and strive to meet your goals by delivering a vast array of resources to you in the way that is most appropriate for how you invest and what you want to achieve. Working together we can help you to preserve and grow your wealth. You’ll have access to some of the world’s most seasoned and respected investment professionals, a premier trading and execution platform and a full spectrum of investment choices.
Services Include
- Financial PlanningFootnote1
- Retirement PlanningFootnote2
- Wealth ManagementFootnote3
- Asset Management
- Executive Financial ServicesFootnote4
- Trust AccountsFootnote5
- Planning for Education FundingFootnote6
- 401(k) Rollovers
- Long-term Care InsuranceFootnote7
- SyndicateFootnote8
- Structured ProductsFootnote9
- Cash Management and Lending ProductsFootnote10
- Divorce Financial AnalysisFootnote11
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
WHAT DOES YOUR FINANCIAL PICTURE LOOK LIKE
To help you work towards what is important to you, we leverage LifeView® - a suite of planning tools that includes goal-specific analysis to create a realistic, holistic strategy that integrates the various aspects of your financial life, including and not limited to: your investments and cash management needs – whether in the accumulation or distribution stage of your life; projected outcomes under different savings rates; life expectancy; illiquid investments; insurance; end of life, projected net worth; et al. This includes Social Security analysis to determine the probability of success of beginning your benefit at different ages, thus gaining the ability to make informed, objective decisions around this important planning consideration.
LifeView® is a hard-copy document that utilizes probability analysis, versus linear, that helps us better understand achievable withdrawal rates from capital during different market scenarios.
LifeView®, importantly, provides ongoing, progress-to-goals reporting, so you can take the guess-work out of where you stand relative to your goals each year. We can run new ‘What If?’ scenarios at your request, as well as illustrate complex planning strategies such as stock option exercise methods; Roth conversion analysis; and early 401(k) distributions under IRS Rule 72(t).
To get started click here:
LifeView® is a hard-copy document that utilizes probability analysis, versus linear, that helps us better understand achievable withdrawal rates from capital during different market scenarios.
LifeView®, importantly, provides ongoing, progress-to-goals reporting, so you can take the guess-work out of where you stand relative to your goals each year. We can run new ‘What If?’ scenarios at your request, as well as illustrate complex planning strategies such as stock option exercise methods; Roth conversion analysis; and early 401(k) distributions under IRS Rule 72(t).
To get started click here:
Awards
- 2018-2024, 2026 Five Star Wealth Manager Award - Baltimore Magazine
Disclosures:
2018-2024, 2026 Five Star Wealth Manager Award
Source: fivestarprofessional.com (Awarded 2018-2024, 2026) These awards were determined through an evaluation process conducted by Five Star Professional, based on objective criteria, during the following periods:
- 2026 Award - 04/10/25 - 10/01/25
- 2024 Award - 04/10/23 - 10/31/23
- 2023 Award - 04/18/22 - 10/21/22
- 2022 Award - 05/10/21 - 11/12/21
- 2021 Award - 04/27/20 - 10/30/20
- 2020 Award - 04/01/19 - 11/13/19
- 2019 Award - 04/19/18 - 11/07/18
- 2018 Award - 04/21/17 - 11/06/17
Working With You
We accomplish your planning through a four-step process:
1) We gather complete financial information. This includes financial documents; investment & insurance statements; and completed questionnaires. We discuss your current financial picture, your goals and needs, investment & estate objectives, income requirements, and your ability to assume capital and income risk.
2) We complete a thorough analysis of this information. Using asset and investment vehicle allocation, together with market analysis, we develop your Financial Plan, which includes investment strategy designed around the minimum risk necessary to meet your objectives.
3) We review your Financial Plan. This includes your Retirement Planning Analysis, Personal Liability & Risk Assessment and Investment Plan – a detailed investment strategy with specific asset allocation and investment vehicle recommendations. We implement the plan.
4) We monitor and periodically review your Financial Plan. We will monitor both quantitative and qualitative aspects of your Plan and make necessary adjustments to reflect changes in your life, the financial markets, and economic conditions. We ask that you commit to periodically meeting with us to update and review your Financial Plan, so that you know where you stand relative to your financial goals.
1) We gather complete financial information. This includes financial documents; investment & insurance statements; and completed questionnaires. We discuss your current financial picture, your goals and needs, investment & estate objectives, income requirements, and your ability to assume capital and income risk.
2) We complete a thorough analysis of this information. Using asset and investment vehicle allocation, together with market analysis, we develop your Financial Plan, which includes investment strategy designed around the minimum risk necessary to meet your objectives.
3) We review your Financial Plan. This includes your Retirement Planning Analysis, Personal Liability & Risk Assessment and Investment Plan – a detailed investment strategy with specific asset allocation and investment vehicle recommendations. We implement the plan.
4) We monitor and periodically review your Financial Plan. We will monitor both quantitative and qualitative aspects of your Plan and make necessary adjustments to reflect changes in your life, the financial markets, and economic conditions. We ask that you commit to periodically meeting with us to update and review your Financial Plan, so that you know where you stand relative to your financial goals.
Research & Diligence
We strive to simplify complex financial ideas so that our clients understand what is being done on their behalf to shape their financial future. We believe in providing our clients with resources in order to stay informed about the latest market trends and outlook. Coupled with the firm's recognition as a thought leader, we have the ability to execute on this. We have included, and regularly update the below links as they provide real-time, succinct analysis.
Thoughts On The Market
Listen to Mike Wilson, Chief Investment Officer and Chief US Equity Strategist for Morgan Stanley, as he and his colleagues discuss a variety of viewpoints regarding the latest trends in the financial marketplace. Learn about their perspectives on the forces shaping the markets today and as well as their market outlooks for the future.
Click Here To ListenThoughts On The Market Podcast
Each week, Chief Cross-Asset Strategist Andrew Sheets, or a member of his team, offers perspective on the forces shaping the markets as well as insights on investment opportunities and risk across global asset classes.
Click Here To ListenWeekly Global Investment Committee Commentary
A blog version of Lisa Shalett's weekly commentary with the Global Investment Committee.
Check out this week's edition here.Lessons In Leadership
Morgan Stanley frequently invites influential figures in the sports, music, and entertainment industries to give talks regarding their careers and experiences with leadership.
To enjoy these lessons in leadership, click hereLocation
2330 W. Joppa Road
Suite 255
Lutherville, MD 21093
US
Direct:
(410) 296-9200(410) 296-9200
Meet The Proctor Jacobson Group
First Vice President, Wealth Management, Financial Advisor, Investment Management Consultant
Phone:
(410) 602-6401(410) 602-6401
Mandy Burnside
Senior Client Service Associate
Phone:
(410) 494-8298(410) 494-8298
Anne Miklos
Portfolio Associate
Phone:
(410) 494-8362(410) 494-8362
JoAnn Stout
Senior Registered Client Service Associate
Phone:
(410) 494-8373(410) 494-8373
About Benjamin G Proctor III
I have been in practice with Morgan Stanley, and predecessor, Smith Barney, since 2000. This has helped forge my understanding of how best to leverage the full resources of the firm for my clients’ benefit, by coordinating the strategies and specialists who are my colleagues, to ultimately help our clients realize their vision of their future. I aim to create the best experience I can for our clients by leveraging my colleagues, including Jamey, as well as our best in class resources to simplify our clients' personal, professional and financial lives.
Regarding wealth, I believe we can view it as not only encompassing our financial successes – but also the time we have invested in our families, the values that shape our lives and the legacies we hope to leave to our children and grandchildren. Thus, our focus on helping our clients preserve every facet of their wealth.
What is your vision of the future you want for yourself and your family? We can work together to translate your vision into a written, hard-copy, and customized, goal-oriented wealth strategy that helps maximize opportunity and minimize risk. As a CERTIFIED FINANCIAL PLANNER™, I firmly believe in looking at the big picture, combining comprehensive financial planning with personalized investment strategies and wealth management solutions designed to help you achieve your most important goals.
My goal has been, and remains, to build long-term, multigenerational relationships with my clients – one that is founded on trust, integrity and exceptional service. I understand the diligence and determination behind created wealth. I have the demonstrated ability – and desire – to help my clients make informed, confident decisions about their financial futures. For me, the bottom line is that my clients’ success is my success.
On a personal note, I am married to Sherry. We celebrated our 20-year anniversary in June, 2022. We have two teens – Regan (18), and young Ben (17). We enjoy watching them play volleyball and lacrosse. I also enjoy landscaping, attending college football & lacrosse games, and playing doubles sand volleyball. I am a member of the Society of Mayflower Descendants, Maryland Chapter; a graduate of the University of Maryland, College Park; a proud member of the Terrapin Club; a Master Mason with Liberty Lodge; and a Hereford High School Sports Booster.
I welcome a conversation to learn more about you and your family.
Regarding wealth, I believe we can view it as not only encompassing our financial successes – but also the time we have invested in our families, the values that shape our lives and the legacies we hope to leave to our children and grandchildren. Thus, our focus on helping our clients preserve every facet of their wealth.
What is your vision of the future you want for yourself and your family? We can work together to translate your vision into a written, hard-copy, and customized, goal-oriented wealth strategy that helps maximize opportunity and minimize risk. As a CERTIFIED FINANCIAL PLANNER™, I firmly believe in looking at the big picture, combining comprehensive financial planning with personalized investment strategies and wealth management solutions designed to help you achieve your most important goals.
My goal has been, and remains, to build long-term, multigenerational relationships with my clients – one that is founded on trust, integrity and exceptional service. I understand the diligence and determination behind created wealth. I have the demonstrated ability – and desire – to help my clients make informed, confident decisions about their financial futures. For me, the bottom line is that my clients’ success is my success.
On a personal note, I am married to Sherry. We celebrated our 20-year anniversary in June, 2022. We have two teens – Regan (18), and young Ben (17). We enjoy watching them play volleyball and lacrosse. I also enjoy landscaping, attending college football & lacrosse games, and playing doubles sand volleyball. I am a member of the Society of Mayflower Descendants, Maryland Chapter; a graduate of the University of Maryland, College Park; a proud member of the Terrapin Club; a Master Mason with Liberty Lodge; and a Hereford High School Sports Booster.
I welcome a conversation to learn more about you and your family.
Securities Agent: DC, WA, TX, NV, NM, CO, NY, MN, CT, UT, SC, MA, VT, MS, MI, IN, NC, GA, CA, RI, OR, FL, OH, MT, AZ, NJ, NH, LA, WV, VA, TN, IL, DE, KS, PA, MD; General Securities Representative; Investment Advisor Representative
NMLS#: 2575817
NMLS#: 2575817
About James Jacobson
Jamey started his career with Prudential Bache in 1987 and joined Morgan Stanley predecessor, Salomon Smith Barney, in 1997 to work together with his father, Norman. Jamey received his BS degree from the College of Business and Management at the University of Maryland, College Park. He holds the Series 7, 63, 65, 3, and Life Insurance licenses. In his free time, Jamey enjoys playing golf, tennis, biking, coin collecting, and listening to music. He also enjoys rooting on the Ravens and Terps. A lifelong resident of Maryland, Jamey currently resides in Baltimore County with his wife, Debi. He loves to travel, especially to be with his children and grandchildren.
Securities Agent: GA, SC, RI, MT, MS, WA, UT, PA, NC, IL, FL, VT, TX, NH, MA, DC, CA, AZ, VA, MI, OH, NY, MD, IN, CT, CO, OR, NM, WV, NV, MN, DE, TN, NJ, LA, KS; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 2016127
NMLS#: 2016127
About Mandy Burnside
Mandy is a Senior Registered Client Service Associate with 26 years of proven wealth management experience. Mandy holds Series 7, 63, and 65 securities licenses and a Maryland Insurance License (Life & Health). Mandy is a knowledgeable and dependable resource for clients, here to assist clients with all aspects of servicing their Morgan Stanley accounts. Baltimore born and raised, Mandy is a mother of two, an avid Ravens fan and supporter of local charities, including Casey Cares, the Baltimore Food Project, and the Maryland Food Bank.
About Anne Miklos
Anne is a Portfolio Associate and holds Series 7, 66, and 31 securities licenses. She joined Morgan Stanley in 2007 and worked in the Chapel Hill, NC and Austin, TX branches before coming to Lutherville, MD in 2012. Anne and her family live in Harford County where she volunteers at her children’s schools and the public library.
About JoAnn Stout
JoAnn is a Senior Registered Client Service Associate, joining Morgan Stanley in August, 2011. She holds Series 7 and 63 securities licenses. JoAnn lives in Timonium, MD and enjoys many activities with her large family and her circle of friends she’s known for 40 years. Outside of the office, JoAnn is committed to helping assistance centers in the areas of food relief and other necessities for people in need. Her favorite place to be is the beach.
Contact Benjamin G Proctor III
Contact James Jacobson
Hear From Our Clients
Our family trusts Ben Proctor to manage our portfolios and protect our assets. He is an experienced Financial Advisor with integrity who prioritizes our family’s financial well-being. He has quarterbacked my family‘s investment accounts, helped my spouse and I create a prudent, long-term investment plan, offered tax-smart strategies, and advised us on varied financial decisions.
Rachel
Verified ClientMarch 30, 2026
Testimonial(s) solicited by Morgan Stanley and provided by current client(s) at the time of publication. No compensation of any kind was provided in exchange for the client testimonial(s) presented. Client testimonials may not be representative of the experience of other clients and are not a guarantee of future performance or success.
5285589 3/2026
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
Sean W. Ruediger
Private Banker
Karen Pillets, CFP®
Financial Planning Director, Vice President
Mary Beth Powers
Trust Specialist
Mark Jansen
Family Office Resources Generalist
About Sean W. Ruediger
Sean Ruediger is a Private Banker serving Morgan Stanley Wealth Management offices in Maryland and Delaware.
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.
Sean began his career in financial services in 2012, and joined Morgan Stanley in 2016. Prior to joining the firm, Sean was a Senior Loan Processor at PHH Mortgage. He also served as PHH’s lead trainer on Morgan Stanley’s mortgage procedures and processes.
Sean lives in Maryland with his family. Outside of the office, Sean is a Lean Six Sigma certified yellow belt. He also enjoys writing music, graphic designing, and spending time with his family and friends.
Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Sean began his career in financial services in 2012, and joined Morgan Stanley in 2016. Prior to joining the firm, Sean was a Senior Loan Processor at PHH Mortgage. He also served as PHH’s lead trainer on Morgan Stanley’s mortgage procedures and processes.
Sean lives in Maryland with his family. Outside of the office, Sean is a Lean Six Sigma certified yellow belt. He also enjoys writing music, graphic designing, and spending time with his family and friends.
NMLS#: 1192383
About Karen Pillets
Karen Pillets is a vice president and financial planning director serving Morgan Stanley Wealth Management offices in Delaware and Maryland. She is responsible for helping financial advisors with their clients’ and prospects’ financial planning needs.
Karen began her career in financial services in 1977 and joined Morgan Stanley in 2022. Prior to her current position, she worked at Fidelity Investments, State Farm, Provident Bank, Third National Bank, and Equitable Bank.
Karen graduated with a BA from what is now McDaniel College and an MBA from what is now Loyola University of Baltimore, and holds her CERTIFIED FINANCIAL PLANNER ™ designation. Karen lives in Millsboro, Delaware. Outside of work, Karen enjoys exploring the waterways of Delaware and Maryland with family and friends. Supporting the Children’s Beach House and Milton Theatre are also favorite diversions.
DISCLOSURE:
Important information about your relationship with your Financial Advisor and Morgan Stanley Smith Barney LLC when using a Financial Planning tool. When your Financial Advisor prepares a Financial Plan, they will act in an investment advisory capacity for thirty (30) days after the delivery of your Financial Plan. To understand the differences between brokerage and advisory relationships, you should consult your Financial Advisor, or review our “Understanding Your Brokerage and Investment Advisory Relationships,” brochure available at https://www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
You have sole responsibility for making all investment decisions with respect to the implementation of a Financial Plan. You may implement the Financial Plan at Morgan Stanley or at another firm. If you engage or have engaged Morgan Stanley, it will act as your broker, unless you ask it, in writing, to act as your investment adviser on any particular account.
Morgan 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.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
© 2026 Morgan Stanley Smith Barney LLC. Member SIPC.
Karen began her career in financial services in 1977 and joined Morgan Stanley in 2022. Prior to her current position, she worked at Fidelity Investments, State Farm, Provident Bank, Third National Bank, and Equitable Bank.
Karen graduated with a BA from what is now McDaniel College and an MBA from what is now Loyola University of Baltimore, and holds her CERTIFIED FINANCIAL PLANNER ™ designation. Karen lives in Millsboro, Delaware. Outside of work, Karen enjoys exploring the waterways of Delaware and Maryland with family and friends. Supporting the Children’s Beach House and Milton Theatre are also favorite diversions.
DISCLOSURE:
Important information about your relationship with your Financial Advisor and Morgan Stanley Smith Barney LLC when using a Financial Planning tool. When your Financial Advisor prepares a Financial Plan, they will act in an investment advisory capacity for thirty (30) days after the delivery of your Financial Plan. To understand the differences between brokerage and advisory relationships, you should consult your Financial Advisor, or review our “Understanding Your Brokerage and Investment Advisory Relationships,” brochure available at https://www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
You have sole responsibility for making all investment decisions with respect to the implementation of a Financial Plan. You may implement the Financial Plan at Morgan Stanley or at another firm. If you engage or have engaged Morgan Stanley, it will act as your broker, unless you ask it, in writing, to act as your investment adviser on any particular account.
Morgan 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.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
© 2026 Morgan Stanley Smith Barney LLC. Member SIPC.
About Mary Beth Powers
Mary Beth Powers is Executive Director and Trust Specialist for Morgan Stanley covering the New York Metro region, responsible for presenting Morgan Stanley’s third-party trustee partner platform to Morgan Stanley Wealth Management Financial Advisors, clients and prospects. Leveraging the capabilities of our trust company partners, Mary Beth assists to identify appropriate fiduciary solutions, which are essential to the management, preservation and transfer of accumulated wealth. This process includes coordination with the client’s financial, legal and tax advisors to ensure proper trust planning implementation.
Mary Beth has worked in the trust and estate services industry for over thirty years, primarily handling trust new business opportunities. Before joining Morgan Stanley, Mary Beth spent ten years as a senior vice president and regional trust specialist with Citigroup Trust in NYC.
Mary Beth received a Bachelor of Science from Seton Hall University, South Orange, New Jersey and is Series 7 and 63 licensed. She resides with her husband and family in Blauvelt, New York.
Mary Beth has worked in the trust and estate services industry for over thirty years, primarily handling trust new business opportunities. Before joining Morgan Stanley, Mary Beth spent ten years as a senior vice president and regional trust specialist with Citigroup Trust in NYC.
Mary Beth received a Bachelor of Science from Seton Hall University, South Orange, New Jersey and is Series 7 and 63 licensed. She resides with her husband and family in Blauvelt, New York.
About Mark Jansen
Mark Jansen is a Family Office Resources Generalist for Morgan Stanley’s Family Office Resources, covering the Southeast Region. In this capacity, Mark provides specialized expertise to Financial Advisors and their UHNW clients across a broad range of family wealth management issues including; family governance and wealth education, strategic estate and financial planning, philanthropy management and lifestyle advisory. Mark has over 30 years of experience advising wealthy families, business owners, and their children.
Most recently, Mark worked with New York Life in their Advanced Planning Group working with agents and their UHNW clients advising them on estate and legacy planning, business buy sell planning, and succession planning. Prior to New York Life, Mark held similar Advanced Planning Consulting roles in several National financial organizations. He originally started his career in the financial services industry in the tax department of the public accounting firm Grant Thornton. He is known for taking complex ideas and making them easy to understand. Frequently speaking to groups and individuals on estate and business planning, he brings a conversational style that helps to clarify the complex nature of these topics.
Mark received a Bachelor of Science degree from St. John’s University in Collegeville MN, received his JD degree Cum Laude from the University of Minnesota and his CPA license while working at Grant Thornton. He holds a Series 7, 24 and 63 securities licenses. He currently lives in Richmond Virginia with his wife and occasionally one of their 6 children.
Most recently, Mark worked with New York Life in their Advanced Planning Group working with agents and their UHNW clients advising them on estate and legacy planning, business buy sell planning, and succession planning. Prior to New York Life, Mark held similar Advanced Planning Consulting roles in several National financial organizations. He originally started his career in the financial services industry in the tax department of the public accounting firm Grant Thornton. He is known for taking complex ideas and making them easy to understand. Frequently speaking to groups and individuals on estate and business planning, he brings a conversational style that helps to clarify the complex nature of these topics.
Mark received a Bachelor of Science degree from St. John’s University in Collegeville MN, received his JD degree Cum Laude from the University of Minnesota and his CPA license while working at Grant Thornton. He holds a Series 7, 24 and 63 securities licenses. He currently lives in Richmond Virginia with his wife and occasionally one of their 6 children.
Private Banking Group (PBG) Market Managers, Senior Private Bankers, Private Bankers, and 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
Important information about your relationship with your Financial Advisor and Morgan Stanley Smith Barney LLC when using a Financial Planning tool. When your Financial Advisor prepares a Financial Plan, they will act in an investment advisory capacity for thirty (30) days after the delivery of your Financial Plan. To understand the differences between brokerage and advisory relationships, you should consult your Financial Advisor, or review our “Understanding Your Brokerage and Investment Advisory Relationships,” brochure available at https://www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
You have sole responsibility for making all investment decisions with respect to the implementation of a Financial Plan. You may implement the Financial Plan at Morgan Stanley or at another firm. If you engage or have engaged Morgan Stanley, it will act as your broker, unless you ask it, in writing, to act as your investment adviser on any particular account.
Morgan 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.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trusts, estate planning, charitable giving, philanthropic planning and other legal matters.
Morgan Stanley does not accept appointments, nor will it act as a trustee, but it will provide access to trust services through an appropriate third-party corporate trustee.
Trusts are not necessarily appropriate for all clients. There are risks and considerations which may outweigh any potential benefits. Establishing a trust will incur fees and expenses which may be substantial. Trusts often incur ongoing administrative fees and expenses such as the services of a corporate trustee, attorney, or tax professional.
Trust services are provided by third parties who are not affiliated with Morgan Stanley. Neither Morgan Stanley nor its affiliates are the provider of such trust services and will not have any input or responsibility concerning a client’s eligibility for, or the terms and conditions associated with these trust services. Neither Morgan Stanley nor its affiliates shall be responsible for any advice or services provided by the unaffiliated third parties. Morgan Stanley or its affiliates may participate in transactions on a basis separate from the referral of clients to these third parties and may receive compensation in connection with referrals made to them.
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.
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
Important information about your relationship with your Financial Advisor and Morgan Stanley Smith Barney LLC when using a Financial Planning tool. When your Financial Advisor prepares a Financial Plan, they will act in an investment advisory capacity for thirty (30) days after the delivery of your Financial Plan. To understand the differences between brokerage and advisory relationships, you should consult your Financial Advisor, or review our “Understanding Your Brokerage and Investment Advisory Relationships,” brochure available at https://www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
You have sole responsibility for making all investment decisions with respect to the implementation of a Financial Plan. You may implement the Financial Plan at Morgan Stanley or at another firm. If you engage or have engaged Morgan Stanley, it will act as your broker, unless you ask it, in writing, to act as your investment adviser on any particular account.
Morgan 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.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trusts, estate planning, charitable giving, philanthropic planning and other legal matters.
Morgan Stanley does not accept appointments, nor will it act as a trustee, but it will provide access to trust services through an appropriate third-party corporate trustee.
Trusts are not necessarily appropriate for all clients. There are risks and considerations which may outweigh any potential benefits. Establishing a trust will incur fees and expenses which may be substantial. Trusts often incur ongoing administrative fees and expenses such as the services of a corporate trustee, attorney, or tax professional.
Trust services are provided by third parties who are not affiliated with Morgan Stanley. Neither Morgan Stanley nor its affiliates are the provider of such trust services and will not have any input or responsibility concerning a client’s eligibility for, or the terms and conditions associated with these trust services. Neither Morgan Stanley nor its affiliates shall be responsible for any advice or services provided by the unaffiliated third parties. Morgan Stanley or its affiliates may participate in transactions on a basis separate from the referral of clients to these third parties and may receive compensation in connection with referrals made to them.
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.
Wealth Management
Global Investment Office
Portfolio Insights
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
Iran Conflict: Seven Takeaways for Investors
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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
Ready to start a conversation? Contact The Proctor Jacobson Group today.
Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization’s initial and ongoing certification requirements to use the certification marks.
1Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2When 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.
3Morgan 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.
4Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
5Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
6When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
7Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
8Participating in a new issue/syndicate is subject to availability. IPOs are highly speculative and may not be appropriate for all investors because they lack a stock-trading history and usually involve smaller and newer companies that tend to have limited operating histories, less-experienced management teams, and fewer products or customers. Also, the offering price of an IPO reflects a negotiated estimate as to the value of the company, which may bear little relationship to the trading price of the securities, and it is not uncommon for the closing price of the shares shortly after the IPO to be well above or below the offering price.
9Structured Investments are complex and not appropriate for all investors. An investment in structured investments involves risks. These risks can include but are not limited to: fluctuations in the price, level or yield of underlying asset(s), interest rates, currency values and credit quality, substantial loss of principal, limits on participation in appreciation of underlying asset(s), limited liquidity, credit risk, and/or conflicts of interest. Many structured investments do not pay interest or guarantee a return above principal at maturity. Investors should read the security’s offering documentation prior to making an investment decision.
10Morgan 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
11Morgan 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.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.
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 offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2When 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.
3Morgan 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.
4Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
5Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
6When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
7Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
8Participating in a new issue/syndicate is subject to availability. IPOs are highly speculative and may not be appropriate for all investors because they lack a stock-trading history and usually involve smaller and newer companies that tend to have limited operating histories, less-experienced management teams, and fewer products or customers. Also, the offering price of an IPO reflects a negotiated estimate as to the value of the company, which may bear little relationship to the trading price of the securities, and it is not uncommon for the closing price of the shares shortly after the IPO to be well above or below the offering price.
9Structured Investments are complex and not appropriate for all investors. An investment in structured investments involves risks. These risks can include but are not limited to: fluctuations in the price, level or yield of underlying asset(s), interest rates, currency values and credit quality, substantial loss of principal, limits on participation in appreciation of underlying asset(s), limited liquidity, credit risk, and/or conflicts of interest. Many structured investments do not pay interest or guarantee a return above principal at maturity. Investors should read the security’s offering documentation prior to making an investment decision.
10Morgan 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
11Morgan 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.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.
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.
Testimonial(s) solicited by Morgan Stanley and provided by current client(s) at the time of publication. No compensation of any kind was provided in exchange for the client testimonial(s) presented. Client testimonials may not be representative of the experience of other clients and are not a guarantee of future performance or success.
Awards Disclosures | Morgan Stanley
CRC 4665150 (8/2025), 4763067 (9/2025)