Andrew F Roettger, CLTC®, CFP®, CIMA®
Managing Director, Wealth Management, Financial Advisor, Family Wealth Advisor, Corporate Retirement Director
Phone:
(973) 993-4131(973) 993-4131
The Roettger Group at Morgan Stanley
Andrew F Roettger, CLTC®, CFP®, CIMA®Mark Ruggiero, CRPS®Jack Grauer, CFP®Theresa KroomCynthia AdduciTara L. Jakubik, CRPC®, AWMA®
Direct:
(888) 379-1501(888) 379-1501
Industry Award WinnerOur Mission Statement
We strive to deliver to each of our clients a well thought out financial plan, exceptional customer service and timely ideas tailored to your specific goals and situations.
Commitment to Excellent Service
The Roettger Group provides comprehensive wealth management solutions to entrepreneurs, executives, professionals, corporations and high net worth families. Established by Andrew Roettger in 1995, the team has helped clients build and preserve their wealth through numerous market cycles while developing long term relationships built on trust.
For over 30 years, the team has created successful strategic plans and investment portfolios. All members of the team are highly trained in their disciplines; and between them hold several advanced degrees and certifications. Andy holds the Certified Financial Planner (CFP), Certified Investment Management Analyst (CIMA), Certification for Long Term Care (CLTC) and Family Wealth Advisor designations. He attended Rutgers University as well as The Wharton School of University of Pennsylvania. Jack Grauer is a graduate of Rutgers University with a degree In Economics. He joined Morgan Stanley in 2019 as a Wealth Associate Advisor where he focused on creating, implementing, and monitoring financial plans. Theresa Kroom has worked with Andy since 1995 and provides all aspects of administrative support for the team. Cynthia Adduci joined The Roettger Group in August 2021 with 25 years of experience in financial services. She brings a broad knowledge of operational and administrative functions to the team.
The team employs a systematic wealth management process to develop actionable plans tailored to individual situations. They are dedicated to thoroughly understanding each client’s financial position, long and short-term goals, and appetite for risk. They use this information along with the firm’s modern wealth management analytics and risk management tools to formulate customized strategies. The team’s broad experience combined with Morgan Stanley’s vast resources enable it to assist with almost every facet of financial services including investment management, retirement planning, special needs planning, cash management, legacy, philanthropy, and education planning. Working with an extensive network of specialists in insurance, structured solutions, estate planning, and lending services, complements and deepens the advice the team offers. The group takes pride in having worked with clients for decades as well as with multiple generations of families. They have helped guide families though through their life cycle; from planning for their children’s education, retirement, to succession to the next generation.
The Roettger Group strives to provide an extraordinary high level of service. Clients’ portfolios are vigilantly monitored, and meetings are scheduled regularly to appraise goals and evaluate financial conditions. The team is always accessible, and its service is accurate and timely. The team also assists clients with the adaption of Morgan Stanley’s digital tools in order to utilize technology for the convenience and benefit of their clients.
For over 30 years, the team has created successful strategic plans and investment portfolios. All members of the team are highly trained in their disciplines; and between them hold several advanced degrees and certifications. Andy holds the Certified Financial Planner (CFP), Certified Investment Management Analyst (CIMA), Certification for Long Term Care (CLTC) and Family Wealth Advisor designations. He attended Rutgers University as well as The Wharton School of University of Pennsylvania. Jack Grauer is a graduate of Rutgers University with a degree In Economics. He joined Morgan Stanley in 2019 as a Wealth Associate Advisor where he focused on creating, implementing, and monitoring financial plans. Theresa Kroom has worked with Andy since 1995 and provides all aspects of administrative support for the team. Cynthia Adduci joined The Roettger Group in August 2021 with 25 years of experience in financial services. She brings a broad knowledge of operational and administrative functions to the team.
The team employs a systematic wealth management process to develop actionable plans tailored to individual situations. They are dedicated to thoroughly understanding each client’s financial position, long and short-term goals, and appetite for risk. They use this information along with the firm’s modern wealth management analytics and risk management tools to formulate customized strategies. The team’s broad experience combined with Morgan Stanley’s vast resources enable it to assist with almost every facet of financial services including investment management, retirement planning, special needs planning, cash management, legacy, philanthropy, and education planning. Working with an extensive network of specialists in insurance, structured solutions, estate planning, and lending services, complements and deepens the advice the team offers. The group takes pride in having worked with clients for decades as well as with multiple generations of families. They have helped guide families though through their life cycle; from planning for their children’s education, retirement, to succession to the next generation.
The Roettger Group strives to provide an extraordinary high level of service. Clients’ portfolios are vigilantly monitored, and meetings are scheduled regularly to appraise goals and evaluate financial conditions. The team is always accessible, and its service is accurate and timely. The team also assists clients with the adaption of Morgan Stanley’s digital tools in order to utilize technology for the convenience and benefit of their clients.
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Feel Secure With Your Personal Finances
To deliver a high level of service and help clients pursue their goals, we follow a four-step financial planning process. This approach helps us create a customized, comprehensive plan tailored to each client’s needs.
Step 1: Financial Data
We begin by gathering information through a financial profile and risk tolerance questionnaire. This helps us understand your current financial situation, time horizon, liquidity needs, and investment objectives so we can align recommendations with what matters most to you.
Step 2: Asset Allocation
Next, we develop an asset allocation strategy based on your goals and risk profile. The objective is to build a diversified portfolio designed to help manage risk and support long-term return potential. Note: Asset Allocation and diversification does not assure a profit or protect against loss in declining financial markets.
Step 3: Implementation
We then review specific investment recommendations that may be appropriate for your plan. Before moving forward, we provide relevant disclosures and discuss the potential benefits and risks of each strategy. We also review key considerations such as fees, commissions (if applicable), and performance expectations to ensure you understand how the recommendations fit within your overall plan.
Step 4: Monitor & Adjustments
Finally, we establish a schedule for periodic reviews and ongoing monitoring. As your circumstances, goals, or market conditions change, we reassess the plan and make adjustments as needed to keep it aligned with your objectives.
Team Awards
Our team is honored to be recognized through the awards and designations listed below. These acknowledgments reflect our ongoing commitment to support to our clients and their goals, and we remain focused on continuing that dedication in the years ahead.
2019-2026 Forbes Best In State Wealth Advisor
The Roettger Group was recognized in Forbes’ Best-in-State Wealth Advisor rankings. In 2026, we were ranked #10 for Private Wealth in Northern New Jersey.
Source: Forbes.com (Awarded 2020, 2021, 2022, 2023, 2024, 2025, 2026). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
Source: Forbes.com (Awarded 2020, 2021, 2022, 2023, 2024, 2025, 2026). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
2024-2026 Forbes Top Wealth Management Teams
The Roettger Group being including in the Forbes' Top Wealth Management Teams Ranking in 2024 is a significant achievement. This recognition is based on a comprehensive evaluation process conducted by SHOOK Research LLC in partnership with Forbes.
Source: Forbes.com (Awarded Nov 2023) Data compiled by SHOOK Research LLC
Source: Forbes.com (Awarded Nov 2023) Data compiled by SHOOK Research LLC
2019-2026 New Jersey Monthly Five Star Wealth Manager List
The Roettger Group was named to the New Jersey Star Five Monthly Wealth Management List.
Source: fivestarprofessional.com (Awarded 2020, 2021, 2022, 2023, 2024) The award was determined based on an evaluation process conducted by Five-Star Professional based on objective criteria. The award was not based on a specific time period.
Source: fivestarprofessional.com (Awarded 2020, 2021, 2022, 2023, 2024) The award was determined based on an evaluation process conducted by Five-Star Professional based on objective criteria. The award was not based on a specific time period.
Corporate Retirement Director
Andy currently holds the Corporate Retirement Director title, which is earned by those who have a designated focus on serving workplace retirement plans. Corporate Retirement Directors consult with plan sponsors to help evaluate and strengthen their retirement plan, supporting areas such as plan oversight and benchmarking, guidance on selecting and monitoring service providers and investments, ERISA-related considerations, and participant education and engagement.
Certified Financial Planner®
Andy and Jack currently hold the Certified Financial Planner Designation (CFP®). The CFP is a widely recognized credential reflecting rigorous standards of competency and ethics in financial planning and a commitment to acting in clients’ best interests. The designation is earned through completion of a CFP Board-registered education program and successful completion of a comprehensive seven-hour examination covering the financial planning process, tax planning, employee benefits, retirement planning, estate planning, investment management, and insurance.
Certified Investment Management Analyst®
Andy holds the CIMA® designation, reflecting advanced expertise in investment management, portfolio construction, asset allocation, and manager evaluation. Through a disciplined and analytical approach to risk management and long-term planning, he helps clients align their investment strategies with their broader financial goals.
Chartered Retirement Plans Specialist®
Mark holds the CRPS® designation, reflecting his specialized knowledge in retirement plan solutions for businesses and organizations. He helps plan sponsors evaluate, design, and manage employer-sponsored retirement plans, with a focus on fiduciary considerations, plan investment options, participant education, and supporting long-term retirement readiness.
Certification for Long Term Care®
Andy holds the Certification for Long-Term Care (CLTC)® designation, which reflects specialized training in long-term care planning. The CLTC® designation is recognized as a professional credential focused on helping individuals and families address the financial, emotional, and practical considerations associated with long-term care needs.
Modern Wealth Tools
Our investment strategies seek to leverage modern wealth tools and cutting-edge technology. By providing our clients with customized wealth management solutions, we enable our clients to be one step closer to achieving their life goals. We have assembled the following Morgan Stanley financial tools and platforms that support our wealth management philosophy and investment strategies.
Morgan Stanley Online
Morgan Stanley Online digital capabilities and the Morgan Stanley Mobile App provide clients with access to their account information, enriched reporting tools, several cash management solutions and robust market research. The Morgan Stanley Mobile App provides clients with access to their accounts in just a few taps.
Morgan Stanley Online
Asset Aggregation
The ability to view all of your assets together provides the opportunity to advise on your Morgan Stanley accounts with your entire financial picture in mind. This new tool allows you to link information from your accounts at other financial institutions directly to your Morgan Stanley Online or Morgan Stanley Mobile App profile.
Total Wealth View
Goals Planning System
A holistic Goals Planning System (GPS) approach to Wealth Management can help tailor an investment framework that considers key aspects of a client's life, such as retirement age, healthcare costs, home buying, cash management, legacy needs, and potential withdrawal strategies. Using goals as a benchmark, the investment strategy is continuously evaluated to ensure clients are on track. As circumstances and goals change, Financial Advisors can help adjust priorities and introduce additional solutions.
GPS Video
Digital Vault
Keeping important documents and financial records organized and readily available is one the best gifts you can give those you love. In the event of catastrophe or serious illness, disability or death, your Family Records Organizer can immediately provide vital, timely information to both your family and professional advisors. The Digital Vault on Morgan Stanley Online and the Mobile App allows you and your clients to build a central, shared document library where all documents are stored using encryption.
Individuals planning for their own financial well-being or the financial well-being of a family member with special needs face several challenges. They must design their financial and estate plan so that it provides for special needs without:
• Depriving other family members of a meaningful inheritance;
• Placing other family members in a position of responsibility that they may not be prepared or willing to assume
• Rendering their family member with special needs ineligible for government benefits like Supplemental Security Income (SSI) and Medicaid.
• For families wrestling with these complex issues, a special needs trust can prove to be a viable solution.
• Depriving other family members of a meaningful inheritance;
• Placing other family members in a position of responsibility that they may not be prepared or willing to assume
• Rendering their family member with special needs ineligible for government benefits like Supplemental Security Income (SSI) and Medicaid.
• For families wrestling with these complex issues, a special needs trust can prove to be a viable solution.
Contemplated Action:
-Direct gift or bequest
-Direct gift or bequest to family member to provide for another individual with special needs
-Special Needs Trust
For families wrestling with these complex issues, if you want to learn more about how we can help in deciding which option is best for you, click on the article below and give us a call.
-Direct gift or bequest to family member to provide for another individual with special needs
-Special Needs Trust
For families wrestling with these complex issues, if you want to learn more about how we can help in deciding which option is best for you, click on the article below and give us a call.
Location
340 Mount Kemble Avenue
First Floor
Morristown, NJ 07960
US
Direct:
(888) 379-1501(888) 379-1501
Meet The Roettger Group
Phone:
(973) 993-5229(973) 993-5229
Jack Grauer, CFP®
Financial Advisor, CERTIFIED FINANCIAL PLANNER®
Phone:
(973) 993-5227(973) 993-5227
Cynthia Adduci
Senior Client Service Associate
Phone:
(973) 993-5242(973) 993-5242
Theresa Kroom
Portfolio Associate
Phone:
(973) 993-5247(973) 993-5247
Tara L. Jakubik, CRPC®, AWMA®
Wealth Management Associate
Phone:
(973) 236-3658(973) 236-3658
About Andrew F Roettger
Andrew Roettger, CFP®, CIMA®, CLTC®, is a Managing Director and Financial Advisor who brings 41 years of financial-services experience to helping ultra-high-net-worth families navigate the complexities of wealth. Known for listening first, Andrew builds tailored, goals-based strategies designed to evolve as markets shift and client priorities change. Andrew focuses on integrating investment management, estate and legacy planning considerations, and multigenerational education into a cohesive approach for each client relationship.
In recent years, Andrew’s practice has expanded to include institutional clients. He provides strategic client management for founder-led companies—supporting capital-raising efforts, evaluating potential sale opportunities, and advancing workplace solutions and broader growth initiatives. His objective is to leverage Morgan Stanley’s network to connect clients with the right investment banking professionals and specialists at the right time, aligned with their strategic goals.
Andrew’s perspective is shaped by a long and recognized career. His commitment to professional excellence has earned him placement on the Forbes “Best-in-State Wealth Advisors” list for New Jersey each year from 2019 through 2026. In addition, his team, the Roettger Group, was recognized by Forbes among the “Top Wealth Management Teams” from 2024 through 2026.
A Rutgers University graduate with a B.A. in Economics (1984), Andrew values continuing education as a way to better serve clients in a rapidly changing environment. He holds the Corporate Retirement Director designation through the National Association of Plan Advisors (NAPA), earned the Certified Investment Management Analyst (CIMA®) designation through the Wharton School of the University of Pennsylvania (1999), and attained the Certified Financial Planner™ (CFP®) designation through Fairleigh Dickinson University (1998).
Outside the office, Andrew supports the Mayo Performing Arts Center in Morristown, remains active in the Rutgers community, and enjoys traveling, fly fishing, tennis, golf, and listening to jazz and classic rock. He and his wife of 38 years live in Chester, New Jersey, and have three grown children.
In recent years, Andrew’s practice has expanded to include institutional clients. He provides strategic client management for founder-led companies—supporting capital-raising efforts, evaluating potential sale opportunities, and advancing workplace solutions and broader growth initiatives. His objective is to leverage Morgan Stanley’s network to connect clients with the right investment banking professionals and specialists at the right time, aligned with their strategic goals.
Andrew’s perspective is shaped by a long and recognized career. His commitment to professional excellence has earned him placement on the Forbes “Best-in-State Wealth Advisors” list for New Jersey each year from 2019 through 2026. In addition, his team, the Roettger Group, was recognized by Forbes among the “Top Wealth Management Teams” from 2024 through 2026.
A Rutgers University graduate with a B.A. in Economics (1984), Andrew values continuing education as a way to better serve clients in a rapidly changing environment. He holds the Corporate Retirement Director designation through the National Association of Plan Advisors (NAPA), earned the Certified Investment Management Analyst (CIMA®) designation through the Wharton School of the University of Pennsylvania (1999), and attained the Certified Financial Planner™ (CFP®) designation through Fairleigh Dickinson University (1998).
Outside the office, Andrew supports the Mayo Performing Arts Center in Morristown, remains active in the Rutgers community, and enjoys traveling, fly fishing, tennis, golf, and listening to jazz and classic rock. He and his wife of 38 years live in Chester, New Jersey, and have three grown children.
Securities Agent: PA, MD, RI, CT, CO, AK, FL, NJ, AR, WI, VT, NY, GA, CA, VA, TX, OH, MN, IN, IL, TN, MA, AZ, WY, DE, DC, ME, SC, NM, NH, NC; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 1393627
CA Insurance License #: 4296705
NMLS#: 1393627
CA Insurance License #: 4296705
About Mark Ruggiero
Mark officially joined the team in January 2025, bringing in financial experience of over 13 years. He is a Vice President and a Portfolio Manager, holding a designation as Chartered Retirement Plans Specialist. In addition to helping individuals with their wealth planning and investment strategy, he specializes in assisting businesses develop corporate strategy, retirement and compensation benefits, and business success planning.
Mark is a graduate of Ramapo College of New Jersey with a degree in business and a concentration in Finance, as well as a four-year letter-winner on Ramapo’s baseball team. He remains active in the local youth and high school baseball community, supporting programs to help the development of young players. Mark resides in Fairfield, NJ with his wife, Sotiria and son, Nicholas.
Mark is a graduate of Ramapo College of New Jersey with a degree in business and a concentration in Finance, as well as a four-year letter-winner on Ramapo’s baseball team. He remains active in the local youth and high school baseball community, supporting programs to help the development of young players. Mark resides in Fairfield, NJ with his wife, Sotiria and son, Nicholas.
Securities Agent: MA, IN, DE, FL, CT, CA, PA, OH, ME, CO, VA, TX, NJ, NC, IL, DC, NH, MN, AR, WY, SC, RI, NV, MD, GA, VT, NY, AZ, WI; General Securities Representative; Investment Advisor Representative
NMLS#: 367008
NMLS#: 367008
About Jack Grauer
Jack is a Financial Advisor and CERTIFIED FINANCIAL PLANNER™ (CFP®) professional whose practice focuses on ultra-high-net-worth clients and comprehensive financial planning. He began his career at Merrill Lynch, supporting corporate executives through employer-sponsored retirement plans and helping clients navigate equity compensation and workplace benefits. In 2019, Jack joined Morgan Stanley as a Wealth Associate Advisor, where he specializes in the development, implementation, and ongoing monitoring of tailored financial plans.
As the group’s financial planner, Jack works closely with clients to clarify priorities and translate goals into actionable strategies aligned with their cash-flow needs and overall risk tolerance. He believes thoughtful, disciplined planning is essential for individuals, families, and businesses seeking to make informed decisions and pursue long-term financial security.
Jack recently earned the CFP® designation, a widely recognized credential reflecting rigorous standards of competency and ethics in financial planning and a commitment to acting in clients’ best interests. The designation is earned through completion of a CFP Board-registered education program (typically 2–3 years of coursework) and successful completion of a comprehensive seven-hour examination covering the financial planning process, tax planning, employee benefits, retirement planning, estate planning, investment management, and insurance.
Jack graduated from Rutgers University in 2018 with a B.A. in Economics, concentrating in financial economics. Outside of work, he enjoys playing and watching sports and is a lifelong Philadelphia sports fan who proudly considers himself “part of the team.”
As the group’s financial planner, Jack works closely with clients to clarify priorities and translate goals into actionable strategies aligned with their cash-flow needs and overall risk tolerance. He believes thoughtful, disciplined planning is essential for individuals, families, and businesses seeking to make informed decisions and pursue long-term financial security.
Jack recently earned the CFP® designation, a widely recognized credential reflecting rigorous standards of competency and ethics in financial planning and a commitment to acting in clients’ best interests. The designation is earned through completion of a CFP Board-registered education program (typically 2–3 years of coursework) and successful completion of a comprehensive seven-hour examination covering the financial planning process, tax planning, employee benefits, retirement planning, estate planning, investment management, and insurance.
Jack graduated from Rutgers University in 2018 with a B.A. in Economics, concentrating in financial economics. Outside of work, he enjoys playing and watching sports and is a lifelong Philadelphia sports fan who proudly considers himself “part of the team.”
Securities Agent: GA, MA, WI, PA, NC, AZ, RI, IN, IL, DE, TN, NJ, FL, AR, VT, NY, NH, MN, DC, WY, VA, SC, CA, OH, CT, CO, ME, TX, MD; General Securities Representative; Investment Advisor Representative
NMLS#: 1884521
CA Insurance License #: 4296380
NMLS#: 1884521
CA Insurance License #: 4296380
About Cynthia Adduci
Cynthia joined the Roettger Group at Morgan Stanley in August 2021 with 26 years of experience in financial services. She brings an exceptional level of client service capabilities to the team, along with a broad knowledge of operational and administrative functions. She serves as the team concierge, organizing team travel and off-site events. She is responsible for preparing customized reports for client meetings, managing team expenses, and ensuring that all industry-related licenses and certifications are maintained in good order. Her strong work ethic has been an asset to our group, and in conjunction with her associates, contributes to an outstanding overall service experience for clients of The Roettger Group.
After earning her Bachelor of Arts in Psychology from William Paterson University, Cynthia began her career at Merrill Lynch. She has since worked in a variety of roles during her 24 years with Morgan Stanley, including Operations Associate and Branch Administrator. Cynthia is bilingual and uses her proficiency in Italian to help maintain the connection to her culture and extended family. Currently, she works with the team on a part-time basis allowing her to spend more time with her family.
After earning her Bachelor of Arts in Psychology from William Paterson University, Cynthia began her career at Merrill Lynch. She has since worked in a variety of roles during her 24 years with Morgan Stanley, including Operations Associate and Branch Administrator. Cynthia is bilingual and uses her proficiency in Italian to help maintain the connection to her culture and extended family. Currently, she works with the team on a part-time basis allowing her to spend more time with her family.
About Theresa Kroom
Theresa started with Dean Witter in 1991 and has worked with the Roettger Group since 1995. Her responsibilities on the team include building and maintaining client relationships, account servicing, trading, disbursements, and appointment scheduling. She also serves as a liaison between clients and their other trusted advisors.
She has attended the Support Professional Academy, a workshop event focusing on digital innovation within the firm.
Theresa graduated with a Bachelor of Arts degree in Political Science, and a Master of Arts degree in English Literature. Outside the office, Theresa enjoys traveling, reading, quilting and spending time with her family, friends, and the family dog. Theresa is Series 7 and 66 licensed.
She has attended the Support Professional Academy, a workshop event focusing on digital innovation within the firm.
Theresa graduated with a Bachelor of Arts degree in Political Science, and a Master of Arts degree in English Literature. Outside the office, Theresa enjoys traveling, reading, quilting and spending time with her family, friends, and the family dog. Theresa is Series 7 and 66 licensed.
About Tara L. Jakubik
Tara began her career in 1997, working in several roles within wealth management and financial services and has worked for firms including AG Edwards & Sons, Merrill Lynch and various RIAs.
She earned a Bachelor of Science in Finance with a minor in Economics at The College of New Jersey and holds her Series 7, Series 66, and Life & Health Insurance Licenses, along with the Accredited Wealth Management Advisor℠ (AWMA®) and Chartered Retirement Planning Counselor™, (CRPC™) designations.
Tara lives in Bloomingdale, NJ and enjoys renovating her home and considers herself a fun mixture of Martha Stewart meets Bob Vila. She has a 1960 Shasta Airflyte canned ham camper and can be found showing it at various vintage camper rallies in the northeast. She also loves gardening/landscaping, antiquing and spending time with her two birds, friends and family.
She earned a Bachelor of Science in Finance with a minor in Economics at The College of New Jersey and holds her Series 7, Series 66, and Life & Health Insurance Licenses, along with the Accredited Wealth Management Advisor℠ (AWMA®) and Chartered Retirement Planning Counselor™, (CRPC™) designations.
Tara lives in Bloomingdale, NJ and enjoys renovating her home and considers herself a fun mixture of Martha Stewart meets Bob Vila. She has a 1960 Shasta Airflyte canned ham camper and can be found showing it at various vintage camper rallies in the northeast. She also loves gardening/landscaping, antiquing and spending time with her two birds, friends and family.
Contact Andrew F Roettger
Contact Mark Ruggiero
Contact Jack Grauer
Awards and Recognition
Forbes Best-In-State Wealth Advisors
2019-2026 Forbes Best-In- State Wealth Advisors Source: Forbes.com (Awarded 2019-2026). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
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
Retirement for Plan Sponsors
End-to-End Services, Made Simple:
We can provide the tools and guidance to help you manage a retirement plan.
We can provide the tools and guidance to help you manage a retirement plan.
- Plan Evaluation
- Investment Management
- Plan Management Support
- Plan Participant Education
Small Business Retirement Plans
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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 Roettger 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 Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States. Morgan Stanley Wealth Management is a business of Morgan Stanley Smith Barney LLC.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley 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.
3Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
4When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
5Investing in the market entails the risk of market volatility. The value of all types of investments may increase or decrease over varying time periods. The returns on a portfolio consisting primarily of sustainable or impact investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because sustainability and impact criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Diversification does not guarantee a profit or protect against loss in a declining financial market.
6Investors should consider many factors before deciding which 529 plan is appropriate. Some of these factors include: the Plan's investment options and the historical investment performance of these options, the Plan's flexibility and features, the reputation and expertise of the Plan's investment manager, Plan contribution limits and the federal and state tax benefits associated with an investment in the Plan. Some states, for example, offer favorable tax treatment and other benefits to their residents only if they invest in the state's own Qualified Tuition Program. Investors should determine their home state's tax treatment of 529 plans when considering whether to choose an in-state or out-of-state plan. Investors should consult with their tax or legal advisor before investing in any 529 Plan or contact their state tax division for more information. Morgan Stanley Smith Barney LLC does not provide tax and/or legal advice. Investors should review a Program Disclosure Statement, which contains more information on investment options, risk factors, fees and expenses and possible tax consequences.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
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The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
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.
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1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States. Morgan Stanley Wealth Management is a business of Morgan Stanley Smith Barney LLC.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley 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.
3Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
4When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
5Investing in the market entails the risk of market volatility. The value of all types of investments may increase or decrease over varying time periods. The returns on a portfolio consisting primarily of sustainable or impact investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because sustainability and impact criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Diversification does not guarantee a profit or protect against loss in a declining financial market.
6Investors should consider many factors before deciding which 529 plan is appropriate. Some of these factors include: the Plan's investment options and the historical investment performance of these options, the Plan's flexibility and features, the reputation and expertise of the Plan's investment manager, Plan contribution limits and the federal and state tax benefits associated with an investment in the Plan. Some states, for example, offer favorable tax treatment and other benefits to their residents only if they invest in the state's own Qualified Tuition Program. Investors should determine their home state's tax treatment of 529 plans when considering whether to choose an in-state or out-of-state plan. Investors should consult with their tax or legal advisor before investing in any 529 Plan or contact their state tax division for more information. Morgan Stanley Smith Barney LLC does not provide tax and/or legal advice. Investors should review a Program Disclosure Statement, which contains more information on investment options, risk factors, fees and expenses and possible tax consequences.
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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
CRC 4665150 (8/2025)
