Michael A Kline
Senior Vice President, Wealth Management, Financial Advisor, Portfolio Management Director, Workplace Advisor – Equity Compensation
Phone:
(301) 951-1165(301) 951-1165
The Reliance Group at Morgan Stanley
Direct:
(212) 893-7563(212) 893-7563
Our Mission Statement
Our mission is to help our clients reach their goals through the accumulation, preservation, and intergenerational distribution of their wealth.
Why Clients Choose Us
Recognition: The Reliance Group was named to the 2024 and 2025 Forbes Best-In-State Wealth Management Teams Ranking in Maryland.
2025 Forbes Best-In-State Wealth Management Teams. Source: Forbes.com (Awarded Jan 2025) Data compiled by SHOOK Research LLC based for the period 3/31/23–3/31/24. https://www.morganstanley.com/disclosures/awards-disclosure/
Experience: Our financial advice can help guide you through the many stages of your life, with insights based on our experience, tenure, and rigorous due diligence process. We have a deep understanding of the markets, business cycles, wealth strategies, and financial planning to help us meet the needs of the most sophisticated and complex clients. We also understand the emotional connection to investments, and we help guide you through tough markets with prudent advice.
Guidance: Our thorough discovery process starts by asking you key questions that stretch beyond investments to truly understand and prioritize your long-term goals and aspirations. We build comprehensive, goals-based plans that are tailored for your family, and we clearly communicate why our decisions will help you to optimize your wealth. Our proactive approach helps us to monitor your goals while striving to keep you on track. Our conversations will allow us to anticipate, prepare, and act in your best interest.
Strategic Access: We are able to leverage the global resources of Morgan Stanley to provide thought leadership and custom solutions which can help you manage the risk in your life, business, and portfolio. Our professional network helps us serve as a connector for our clients, and provides you with key introductions to community leaders, privately-held businesses, and professionals. We take an active interest in our clients' lives and in the communities they serve, as we coordinate charitable planning and gifting.
Services Include
- Financial PlanningFootnote1
- Professional Portfolio ManagementFootnote2
- Estate Planning StrategiesFootnote3
- Stock Option PlansFootnote4
- Alternative InvestmentsFootnote5
- Cash ManagementFootnote6
- Life InsuranceFootnote7
- Donor Advised Funds
- Structured ProductsFootnote8
- Endowments and FoundationsFootnote9
- Business Succession PlanningFootnote10
- Corporate Cash Management
- Corporate Pension FundsFootnote11
- Corporate Retirement PlansFootnote12
- Corporate Trust Services
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Awards & Recognition
2025 Forbes Best-In-State Wealth Management Teams Ranking
2025 Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded Jan 2025) Data compiled by SHOOK Research LLC based for the period 3/31/23–3/31/24.
https://www.morganstanley.com/disclosures/awards-disclosure/
Source: Forbes.com (Awarded Jan 2025) Data compiled by SHOOK Research LLC based for the period 3/31/23–3/31/24.
https://www.morganstanley.com/disclosures/awards-disclosure/
2024 Forbes Best-In-State Wealth Management Teams Ranking
2024 Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded Jan 2024) Data compiled by SHOOK Research LLC based for the period from 3/31/22–3/31/23.
Source: Forbes.com (Awarded Jan 2024) Data compiled by SHOOK Research LLC based for the period from 3/31/22–3/31/23.
Nitin Gupta, Family Weath Director
The Family Wealth Director designation assists Financial Advisors in providing clients who have a net worth greater than $10 million with a truly differentiated experience, competitive with a multi-family office service platform.
Alex Rock, Certified Financial Planner (CFP®)
The Certified Financial Planner® certification is the standard if excellence in financial planning. CFP professionals meet rigorous education, training, and ethical standards, and are committed to serving their clients best interests today to prepare them for a more secure tomorrow.
Alex Rock, Certified Investment Management Analyst (CIMA®)
The Certified Investment Management Analyst® certification is the peak international, technical portfolio construction program for investment consultants, analysts, financial advisors and wealth management professionals. CIMA® certification continues to be the highest level of advanced investment education for client-facing advisors.
Sophia Rosa, Certified Financial Planner (CFP®)
The Certified Financial Planner® certification is the standard if excellence in financial planning. CFP professionals meet rigorous education, training, and ethical standards, and are committed to serving their clients best interests today to prepare them for a more secure tomorrow.
Comprehensive Wealth Management for Executives
We employ a client-focused process that integrates your corporate holdings and benefits with other aspects of your finances.
Total Tax 365
Taxes can be a substantial drag on investment returns. Morgan Stanley Total Tax 365 offers access to a broad range of tax-efficient strategies to help you integrate tax planning into your investment process all year long, maximize portfolio after-tax return potential and help keep more of what you earn.
Learn More
Donor Advised Funds (DAF)
A solution that may help you execute planned giving, offer an efficient way to donate complex and illiquid assets, and simplify charitable giving reporting while potentially mitigating taxes. Bring philanthropy into your wealth plan and help amplify the impact of your giving through the Morgan Stanley Global Impact Funding Trust (MS GIFT).
MS GIFT
Alternative Investments
Our leading alternatives platform offers 200+ third-party and proprietary funds, including first look and exclusive opportunities, that may help qualified investors enhance returns, reduce volatility, manage taxes and generate income—while maintaining a goals-based approach for asset allocation.
Morgan Stanley Alternative Investments
Structured Investments
Customized investment strategies —such as yield enhancement strategies and risk mitigation strategies —that serve as powerful allocation tools in modern portfolios.
Global Investment Office
The Morgan Stanley Global Investment Office provides you with world-class thought leadership timely market commentary, and portfolio ideas to help guide your investment decisions.
Morgan Stanley Portfolio InsightsCorporate Solutions with Morgan Stanley at Work
We are committed to provide workplace solutions through Morgan Stanley at work to help employees thrive across three verticals; equity solutions, financial wellness, and retirement plans. We bring in corporate solutions to empower companies in their management of these programs and, ultimately, to support their employees through their financial journeys.
Equity Solutions for Private Companies
Equity Solutions for Private Companies by Morgan Stanley at Work provides innovative equity compensation strategies tailored for tech executives and entrepreneurs. From stock options to liquidity solutions, we help private companies attract and retain top talent while optimizing ownership structures.
Click Here to Learn More
Equity Solutions for Public Companies
Morgan Stanley at Work offers equity solutions designed for public companies looking to attract, retain, and reward top talent. Our expertise helps tech executives and entrepreneurs navigate stock plans, compensation strategies, and regulatory complexities to drive sustained growth.
Click Here to Learn More
Retirement
Morgan Stanley's Retirement Solutions help companies and employees build long-term financial security with strategic planning and investment options tailored for tech executives, entrepreneurs, and professionals.
Click Here to Learn More
Deferred Compensation
Morgan Stanley's Deferred Compensation Solutions help companies design tax-efficient plans that enhance employee retention and financial flexibility. Our tailored strategies support long-term wealth planning for key talent.
Click Here to Learn More
Financial Wellness
Morgan Stanley's Financial Wellness Solutions provide companies with innovative programs designed to help employees make informed financial decisions, reduce stress, and build long-term security.
Click Here to Learn More
Saving and Giving
Morgan Stanley's Saving & Giving offerings help individuals and families invest in education with 529 plans and make a meaningful impact through strategic giving strategies.
Click Here to Learn More
Executive Services
Morgan Stanley's Executive Services provides personalized guidance to help executives navigate equity compensation, liquidity strategies, and wealth planning- empowering them to make the most of their financial opportunities.
Click Here to Learn MoreStrategic Collaboration with Your Trusted CPAs and Attorneys
The Reliance Group stands as your dedicated partner in navigating complexity, optimizing growth, and preserving wealth across generations.
We don't just offer solutions- we architect legacies, aligning financial strategies with your vision for the future. With a deep understanding of business, technology, and the evolving economic landscape, we help you turn ambition into lasting impact.
Meet The Reliance Group- where foresight meets action. and your legacy is built with intention.
Success is more than achievement- it's the ability to sustain, grow, and shape a lasting lagacy. At The Reliance Group, we partner with our clients' CPAs and Attorneys to navigate complexity, unlock opportunity, and build enduring wealth strategies. With the strength of Morgan Stanley behind us, we bring insight, precision, and a relentless commitment to your future.
Location
7500 Old Georgetown Rd
10th Fl
Bethesda, MD 20814
US
Direct:
(212) 893-7563(212) 893-7563
Fax:
(301) 685-5228(301) 685-5228
55 E 52nd St
12th Floor
New York, NY 10055
US
Direct:
(212) 893-7563(212) 893-7563
Meet The Reliance Group
Nitin Gupta
Senior Vice President, Wealth Management, Financial Advisor, Family Wealth Director, Portfolio Management Director, Workplace Advisor – Equity Compensation
Phone:
(212) 893-7563(212) 893-7563
Lisa Hammond
First Vice President, Wealth Management, Financial Advisor, Workplace Advisor – Equity Compensation, Portfolio Manager, Financial Planning Specialist
Phone:
(301) 657-6314(301) 657-6314
Associate Vice President, Wealth Management, Financial Advisor, Portfolio Manager, CERTIFIED FINANCIAL PLANNER®
Phone:
(301) 664-6873(301) 664-6873
Connor O'Neill
Financial Advisor, Financial Planning Specialist
Phone:
(212) 893-7571(212) 893-7571
Sophia Rosa, CFP®
Wealth Management Analyst
Phone:
(212) 878-3924(212) 878-3924
About Michael A Kline
Michael Kline – Senior Vice President, Portfolio Management Director, Financial Advisor
BA – University of Maryland
Michael Kline is a Senior Vice President and Portfolio Management Director at Morgan Stanley Wealth Management. His primary role is to advise individuals, family offices, endowments and foundations on all aspects of wealth planning and asset management. Michael joined Morgan Stanley in July of 2009, with previous experience at Merrill Lynch since 2001.
Earlier in his career, Michael founded an interstate mortgage and construction company that conducted operations in the Midwest United States. This is where he became particularly interested in the growing financial needs for small to mid-size businesses, as his experiences allow him to identify and implement personal and business solutions for the development and monetization of companies. Specifically, Michael helps business owners with pre-transaction planning, 401(k) and retirement plan management, wealth forecasting, tax planning, and trust and estates issues including inter-generational wealth transfer and charitable giving.
Michael is a native of the Washington DC area where he graduated with a bachelor’s degree from the University of Maryland College Park. He currently resides in Potomac, Maryland with his wife Harriet and their three boys Justin, Ryan and Alex.
BA – University of Maryland
Michael Kline is a Senior Vice President and Portfolio Management Director at Morgan Stanley Wealth Management. His primary role is to advise individuals, family offices, endowments and foundations on all aspects of wealth planning and asset management. Michael joined Morgan Stanley in July of 2009, with previous experience at Merrill Lynch since 2001.
Earlier in his career, Michael founded an interstate mortgage and construction company that conducted operations in the Midwest United States. This is where he became particularly interested in the growing financial needs for small to mid-size businesses, as his experiences allow him to identify and implement personal and business solutions for the development and monetization of companies. Specifically, Michael helps business owners with pre-transaction planning, 401(k) and retirement plan management, wealth forecasting, tax planning, and trust and estates issues including inter-generational wealth transfer and charitable giving.
Michael is a native of the Washington DC area where he graduated with a bachelor’s degree from the University of Maryland College Park. He currently resides in Potomac, Maryland with his wife Harriet and their three boys Justin, Ryan and Alex.
Securities Agent: MD, FL, WV, NJ, MN, MI, AZ, RI, AL, VA, PA, OH, KS, GA, CO, AK, ND, UT, SC, OR, NC, DC, CT, MA, DE, WY, WI, TX, TN, NM, MT, IN, IL, NV, HI, CA, NE, VT, NY, NH, MO, WA; General Securities Representative; Investment Advisor Representative
NMLS#: 1282683
NMLS#: 1282683
About Nitin Gupta
Nitin Gupta – Senior Vice President, Family Wealth Director, Portfolio Management Director, Financial Advisor
MBA - Johns Hopkins University, Carey Business School
BA - University of Maryland
Nitin Gupta is a Senior Vice President, Family Wealth Director, and Portfolio Management Director with Morgan Stanley Wealth Management. His primary experience is with private business owners and executives within public and private companies. As a Family Wealth Director, Nitin coordinates advanced estate planning strategies, charitable giving, and lending solutions for his clients. This works in tandem with financial planning, investment management, stock option planning, cash management, and corporate retirement solutions. Nitin has been with Morgan Stanley since 2011, with prior experience in Merrill Lynch’s Private Client division.
The Reliance Group was named to the 2024 and 2025 Forbes Best In State Wealth Management Teams Ranking. In 2015-2017, and 2019-2021 Nitin received the Five-Star Wealth Manager Award which was featured in The Washington Post Magazine for his advisory work and involvement in the community. Nitin currently serves on Morgan Stanley’s Diversity & Inclusion Council in Maryland. He is also active with a number of organizations around the NYC and DC areas.
Nitin received his MBA with a concentration in Financial Businesses from Johns Hopkins University, and his undergraduate degree from the University of Maryland. Nitin lives in New York City with his wife, Sarika, and daughter, Nora, where Nitin oversees the team's New York client base, while Sarika is a researcher with the Bank Street College of Education with a specialty in Early Childhood Special Education.
Source: Forbes.com (Awarded Jan 2024) Data compiled by SHOOK Research LLC based on the period from 3/31/22-3/31/23.
Source: Forbes.com (Awarded Jan 2025) Data compiled by SHOOK Research LLC based on the period from 3/31/23-3/31/24.
https://www.morganstanley.com/disclosures/awards-disclosure/
2015-2017, 2019-2021 Five Star Wealth Manager Award
Source: fivestarprofessional.com (Awarded 2015-2017, 2019-2021) These awards were determined through an evaluation process conducted by Five Star Professional, based on objective criteria, during the following periods:
2015 Award - 02/14/2015 - 08/10/2015
2016 Award - 03/2/2016 - 08/30/2016
2017 Award - 02/8/2017 - 08/22/2017
2019 Award - 12/31/2018 - 08/9/2019
2020 Award - 01/27/2020 - 08/21/2020
2021 Award - 01/4/2021 - 07/23/2021
MBA - Johns Hopkins University, Carey Business School
BA - University of Maryland
Nitin Gupta is a Senior Vice President, Family Wealth Director, and Portfolio Management Director with Morgan Stanley Wealth Management. His primary experience is with private business owners and executives within public and private companies. As a Family Wealth Director, Nitin coordinates advanced estate planning strategies, charitable giving, and lending solutions for his clients. This works in tandem with financial planning, investment management, stock option planning, cash management, and corporate retirement solutions. Nitin has been with Morgan Stanley since 2011, with prior experience in Merrill Lynch’s Private Client division.
The Reliance Group was named to the 2024 and 2025 Forbes Best In State Wealth Management Teams Ranking. In 2015-2017, and 2019-2021 Nitin received the Five-Star Wealth Manager Award which was featured in The Washington Post Magazine for his advisory work and involvement in the community. Nitin currently serves on Morgan Stanley’s Diversity & Inclusion Council in Maryland. He is also active with a number of organizations around the NYC and DC areas.
Nitin received his MBA with a concentration in Financial Businesses from Johns Hopkins University, and his undergraduate degree from the University of Maryland. Nitin lives in New York City with his wife, Sarika, and daughter, Nora, where Nitin oversees the team's New York client base, while Sarika is a researcher with the Bank Street College of Education with a specialty in Early Childhood Special Education.
Source: Forbes.com (Awarded Jan 2024) Data compiled by SHOOK Research LLC based on the period from 3/31/22-3/31/23.
Source: Forbes.com (Awarded Jan 2025) Data compiled by SHOOK Research LLC based on the period from 3/31/23-3/31/24.
https://www.morganstanley.com/disclosures/awards-disclosure/
2015-2017, 2019-2021 Five Star Wealth Manager Award
Source: fivestarprofessional.com (Awarded 2015-2017, 2019-2021) These awards were determined through an evaluation process conducted by Five Star Professional, based on objective criteria, during the following periods:
2015 Award - 02/14/2015 - 08/10/2015
2016 Award - 03/2/2016 - 08/30/2016
2017 Award - 02/8/2017 - 08/22/2017
2019 Award - 12/31/2018 - 08/9/2019
2020 Award - 01/27/2020 - 08/21/2020
2021 Award - 01/4/2021 - 07/23/2021
Securities Agent: FL, CO, WV, TX, WI, VA, NJ, OR, IN, IL, AK, OH, ND, MA, CT, AZ, WA, NY, MN, DE, UT, RI, NC, KS, AL, TN, MO, MI, MD, HI, WY, VT, NV, NM, DC, CA, NE, SC, PA, NH, GA, MT; General Securities Representative; Investment Advisor Representative
NMLS#: 532767
NMLS#: 532767
About Lisa Hammond
Lisa Hammond – Associate Vice President, Financial Advisor, Financial Planning Specialist
BA – American University
Lisa Hammond is an Vice President, Financial Advisor and Financial Planning Specialist at Morgan Stanley. Her advice centers on the investment management and financial coordination of business owners and wealthy families in the Washington, DC area. Lisa joined Morgan Stanley with prior experience in the lending division of Wells Fargo. When developing customized financial strategies for clients, she focuses thoroughly on understanding their specific goals and objectives, building trust and guiding them through the financial decision making process. She is adept at working with high net worth individuals, business owners and working professionals on their wealth management needs and their retirement planning. Lisa earned her Financial Planning Specialist title as designated by the firm.
In her current role, Lisa has had the opportunity to work with many executive level clients in regards to their financial planning, and positions herself as part of a sophisticated and collaborative team capable of implementing long-term solutions on both sides of the balance sheet. Her previous experience in lending focused on successfully finding solutions for individuals and private businesses to create liquidity and/or equity opportunities.
Lisa is a graduate of the Kogod School of Business at American University with a bachelor’s degree in accounting. Lisa resides in Bethesda, MD with her daughter, Charlotte.
BA – American University
Lisa Hammond is an Vice President, Financial Advisor and Financial Planning Specialist at Morgan Stanley. Her advice centers on the investment management and financial coordination of business owners and wealthy families in the Washington, DC area. Lisa joined Morgan Stanley with prior experience in the lending division of Wells Fargo. When developing customized financial strategies for clients, she focuses thoroughly on understanding their specific goals and objectives, building trust and guiding them through the financial decision making process. She is adept at working with high net worth individuals, business owners and working professionals on their wealth management needs and their retirement planning. Lisa earned her Financial Planning Specialist title as designated by the firm.
In her current role, Lisa has had the opportunity to work with many executive level clients in regards to their financial planning, and positions herself as part of a sophisticated and collaborative team capable of implementing long-term solutions on both sides of the balance sheet. Her previous experience in lending focused on successfully finding solutions for individuals and private businesses to create liquidity and/or equity opportunities.
Lisa is a graduate of the Kogod School of Business at American University with a bachelor’s degree in accounting. Lisa resides in Bethesda, MD with her daughter, Charlotte.
Securities Agent: GA, LA, NC, IN, AK, TN, RI, NJ, MD, MA, KS, IL, HI, UT, WA, SC, NY, MT, DC, WY, WV, OH, MS, MO, MI, FL, CO, AZ, AL, NV, NH, DE, OR, CA, VA, NE, ND, CT, NM, VT, WI, TX, PA, MN; General Securities Representative; Investment Advisor Representative
NMLS#: 856927
NMLS#: 856927
About Alex Rock
Alex Rock, CFP, CIMA – Associate Vice President, Financial Advisor
BA – Capital University
Alex Rock is an Associate Vice President and Financial Advisor with Morgan Stanley. His prior experience in finance ranges from insurance planning with MetLife, long-term care planning through Genworth, and ETF sales and consultation through ProShares.
His current expertise and daily practice involves retirement planning and wealth management, charitable giving, estate planning strategies and tax-efficient structures. To that extent Alex has completed both his Certified Financial Planner (CFP) designation, in addition to his Certified Investment Management Analyst (CIMA) offered through Yale’s School of Management.
Alex is originally from Columbus, Ohio but has called Washington, DC his home since 2015.
BA – Capital University
Alex Rock is an Associate Vice President and Financial Advisor with Morgan Stanley. His prior experience in finance ranges from insurance planning with MetLife, long-term care planning through Genworth, and ETF sales and consultation through ProShares.
His current expertise and daily practice involves retirement planning and wealth management, charitable giving, estate planning strategies and tax-efficient structures. To that extent Alex has completed both his Certified Financial Planner (CFP) designation, in addition to his Certified Investment Management Analyst (CIMA) offered through Yale’s School of Management.
Alex is originally from Columbus, Ohio but has called Washington, DC his home since 2015.
Securities Agent: NE, NJ, WI, UT, SC, MN, MD, VA, TX, TN, NM, HI, VT, NV, MI, WA, PA, NY, MA, IL, CT, AL, AK, IN, DE, WV, OR, MT, MO, KS, FL, CO, CA, WY, NH, ND, NC, AZ, OH, GA, DC, RI; General Securities Representative; Investment Advisor Representative
NMLS#: 2243541
NMLS#: 2243541
About Connor O'Neill
Connor O’Neill - Financial Advisor, Financial Planning Specialist
BA - Marist College
Connor O’Neill is a Financial Advisor and Financial Planning Specialist at Morgan Stanley. Connor has been with Morgan Stanley since 2017. He joined the team with prior experience as an analyst in Morgan Stanley's Consulting Group, where he performed extensive due diligence on mutual funds, ETF's and money managers. His advice centers around investment analysis, stock option planning, retirement planning, and tax-efficient strategies. When analyzing client assets, Connor takes a comprehensive approach to ensure that all goals are met.
Connor graduated from Marist College where he was a member of their Division One Lacrosse team and received his bachelor’s degree in Finance. He currently resides in New York City, overseeing the Teams New York clientele.
BA - Marist College
Connor O’Neill is a Financial Advisor and Financial Planning Specialist at Morgan Stanley. Connor has been with Morgan Stanley since 2017. He joined the team with prior experience as an analyst in Morgan Stanley's Consulting Group, where he performed extensive due diligence on mutual funds, ETF's and money managers. His advice centers around investment analysis, stock option planning, retirement planning, and tax-efficient strategies. When analyzing client assets, Connor takes a comprehensive approach to ensure that all goals are met.
Connor graduated from Marist College where he was a member of their Division One Lacrosse team and received his bachelor’s degree in Finance. He currently resides in New York City, overseeing the Teams New York clientele.
Securities Agent: GA, CT, VT, NV, NC, IL, AZ, WI, SC, NY, ND, DE, CO, WY, WV, TX, OH, MA, NM, NJ, HI, CA, AL, VA, UT, TN, NH, AK, PA, MN, MI, KS, IN, DC, NE, MT, MD, WA, RI, OR, MO, FL; General Securities Representative; Investment Advisor Representative
NMLS#: 2297435
NMLS#: 2297435
About Sophia Rosa, CFP®
Sophia Rosa, CFP® – Wealth Management Analyst
BS – University of Delaware
Sophia Rosa is a CERTIFIED FINANCIAL PLANNER™ and serves as an Analyst with Morgan Stanley Wealth Management. She has prior experience with KeyBank Real Estate Capital, where she analyzed loan data and consulted with existing clients. In her current role, Sophia focuses on assisting clients with financial planning, investment and risk analysis, and stock option planning.
Sophia graduated from University of Delaware with a major in Financial Planning and Wealth Management. She is originally from Rumson, NJ and now resides in Manhattan.
BS – University of Delaware
Sophia Rosa is a CERTIFIED FINANCIAL PLANNER™ and serves as an Analyst with Morgan Stanley Wealth Management. She has prior experience with KeyBank Real Estate Capital, where she analyzed loan data and consulted with existing clients. In her current role, Sophia focuses on assisting clients with financial planning, investment and risk analysis, and stock option planning.
Sophia graduated from University of Delaware with a major in Financial Planning and Wealth Management. She is originally from Rumson, NJ and now resides in Manhattan.
Securities Agent: CA, MO, DC, DE, VT, TX, WA, NE, NV, MD, GA, PA, WY, IA, ND, LA, KY, SD, TN, VI, WI, NC, PR, RI, CO, KS, OR, WV, HI, MT, VA, NY, SC, FL, OK, NJ, NM, AR, OH, UT, IN, MA, AK, MI, NH, CT, MS, MN, IL, ME, AZ, ID, AL; General Securities Representative; Investment Advisor Representative
Contact Michael A Kline
Contact Nitin Gupta
Contact Lisa Hammond
Contact Alex Rock
Contact Connor O'Neill
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
Maria Tashjian
Private Banker
Mark T Curtis
Managing Director, Stock Plan Director, Financial Planning Specialist, Family Wealth Director, International Client Advisor, Investing with Impact Director
Angelo Loumbas
Family Office Resource Generalist
About Maria Tashjian
Maria Tashjian is a Private Banker serving Morgan Stanley Wealth Management offices in Maryland.
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.
Maria began her career in financial services in 2006, and joined Morgan Stanley in 2010. Prior to being promoted to Private Banker in 2021, Maria served as the Associate Private Banker supporting Wealth Management offices in Virginia.
Maria is a graduate of the University of Massachusetts, where she received a Bachelor of Science in Management and a Master of Business Administration. She lives in Fairfax, Virginia with her family. Outside of the office, Maria enjoys spending time with her family and volunteering for local community organizations.
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.
Maria began her career in financial services in 2006, and joined Morgan Stanley in 2010. Prior to being promoted to Private Banker in 2021, Maria served as the Associate Private Banker supporting Wealth Management offices in Virginia.
Maria is a graduate of the University of Massachusetts, where she received a Bachelor of Science in Management and a Master of Business Administration. She lives in Fairfax, Virginia with her family. Outside of the office, Maria enjoys spending time with her family and volunteering for local community organizations.
NMLS#: 1500388
About Angelo Loumbas
Angelo is the Family Office Resources Generalist for Family Office Resources in the New York Metro and New England regions. Angelo provides specialized knowledge to ultra-high net worth clients and their Morgan Stanley Financial Advisors across a broad range of family wealth management issues, including family governance/dynamics, wealth education, strategic estate and financial planning, philanthropy management, lifestyle advisory and customized asset allocation and portfolio construction. Angelo has over twenty-five years experience advising wealthy families, business owners, and philanthropic organizations.
Originally from Chicago, Angelo practiced law for 15 years and represented ultra-high net worth clients and the businesses they owned, as well as major philanthropic organizations. Angelo is admitted to the Society of Trust and Estate Practitioners. He has spoken on topics such as “Conditions Suggesting a Management Buyout” before the Chicago Bar Association Corporation and Business Law Committee, “Tax Consequences of Intra-Family Loans,” before the Chicago Bar Association Trust Law Committee, and “Conversations about Wealth and Philanthropy with Prospective Donors” before the Chicago Council on Planned Giving.
Prior to rejoining Morgan Stanley in his current position in 2018, Angelo advised wealthy clients in the financial services industry for 10 years, first as a Wealth Strategist with US Trust in Chicago, then a Wealth and Estate Planning Specialist within Family Office Resources in Chicago, and finally as a Senior Wealth Planning Strategist for the Wells Fargo Private Bank in Greenwich, Connecticut. Angelo earned his B.A. from DePauw University, his M.B.A. from the University of Notre Dame, and his law degree from Indiana University at Bloomington. He is Series 7, 66 and 24 licensed. Angelo served as President of the Rotary Club of Chicago (“ROTARY/One”), the world’s first Rotary club, in 2009-2010, and now lives in Armonk, New York with his wife, a native New Yorker, and their two children.
Originally from Chicago, Angelo practiced law for 15 years and represented ultra-high net worth clients and the businesses they owned, as well as major philanthropic organizations. Angelo is admitted to the Society of Trust and Estate Practitioners. He has spoken on topics such as “Conditions Suggesting a Management Buyout” before the Chicago Bar Association Corporation and Business Law Committee, “Tax Consequences of Intra-Family Loans,” before the Chicago Bar Association Trust Law Committee, and “Conversations about Wealth and Philanthropy with Prospective Donors” before the Chicago Council on Planned Giving.
Prior to rejoining Morgan Stanley in his current position in 2018, Angelo advised wealthy clients in the financial services industry for 10 years, first as a Wealth Strategist with US Trust in Chicago, then a Wealth and Estate Planning Specialist within Family Office Resources in Chicago, and finally as a Senior Wealth Planning Strategist for the Wells Fargo Private Bank in Greenwich, Connecticut. Angelo earned his B.A. from DePauw University, his M.B.A. from the University of Notre Dame, and his law degree from Indiana University at Bloomington. He is Series 7, 66 and 24 licensed. Angelo served as President of the Rotary Club of Chicago (“ROTARY/One”), the world’s first Rotary club, in 2009-2010, and now lives in Armonk, New York with his wife, a native New Yorker, and their two children.
Morgan Stanley Wealth Management Financial Advisers can conduct their business in several ways: individually, as a member of a team of Financial Advisors, or through the formation of a Strategic Partnership with another Financial Advisor or team of Financial Advisors. A Strategic Partnership is an arrangement between a Financial Advisor or a team of Financial Advisors with another Financial Advisor or team of Financial Advisors that has a unique focus or knowledge regarding a specific business concentration, product area, and/or client type. If your account is with an individual Financial Advisor, that Financial Advisor services all facets of your account. If your account is with a Financial Advisor who is a member of a team, any Financial Advisor on the team can service your account. If your Financial Advisor is part of a Strategic Partnership, his or her role in that Strategic Partnership may be limited to a specific business and/or product area and may not cover all facets of your account. The use of the terms “Partner” or “Strategic Partner” and/or “Partnership” or “Strategic Partnership” are used as terms of art and not used to imply or connote any legal relationship.
Wealth Management
From Our Team
Tax-Loss Harvesting Can Work Year-Round for Investors—Here’s How
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
Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Financial Planning for Life After Selling a Business
Article Image
Philanthropy
Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
- Foundations
- Donor Advised Funds
- Impact Investing
Donor Advised Funds: A Smart Way to Manage Your Giving
Article Image
Financial Wellness
Enhancing Financial Wellness enables your workforce to do their best work. Companies that invest in financial wellness have an opportunity to:
- Reduce employee stress,
- Improve retention and engagement, and
- Set themselves apart by offering comprehensive financial wellness benefits.
Ready to start a conversation? Contact The Reliance Group today.
Certified Financial Planner Board of Standards, Inc. (CFP Board) owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™, and CFP® (with plaque design) in the United States, which it authorizes use of by individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
1Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be appropriate for you. Please see the Morgan Stanley Smith Barney LLC program disclosure brochure (the “Morgan Stanley ADV”) for more information in the investment advisory programs available. The Morgan Stanley ADV is available at www.morganstanley.com/ADV.
3Morgan Stanley 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.
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.
5Alternative 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.
6Morgan 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
7Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
8Structured 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.
9Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
10Morgan 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.
11Morgan 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.
12When 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.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
1Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be appropriate for you. Please see the Morgan Stanley Smith Barney LLC program disclosure brochure (the “Morgan Stanley ADV”) for more information in the investment advisory programs available. The Morgan Stanley ADV is available at www.morganstanley.com/ADV.
3Morgan Stanley 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.
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.
5Alternative 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.
6Morgan 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
7Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
8Structured 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.
9Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
10Morgan 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.
11Morgan 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.
12When 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.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
CRC 6491812 (04/2024), 3582895 (6/2024)
