Phone:
(770) 643-7678(770) 643-7678
The RST Group at Morgan Stanley
Direct:
(770) 643-7678(770) 643-7678
Our Mission Statement
Experience, intellectual capital and dedicated personal service to help you meet your life goals
Our Story and Services
Greg’s path into wealth management began well before finance—he spent seven years in an events firm, building a Northeast territory and gaining broad, real-world business exposure across industries ranging from healthcare and manufacturing to specialty markets. At 26, a book sparked his interest in investing and ultimately led him to Merrill Lynch, where he partnered with Bob, a former electrical engineer for a defense contractor who brought an analytical, systems-based mindset to the practice. Together, they expanded their capabilities through business lending and transitioned to Morgan Stanley in 2008, where they have grown into one of Atlanta’s leading advisory teams. Today, the team supports a diverse client base—from multi-generational, dynastic wealth to young professionals—focusing on long-term relationships with people who value straightforward advice, high-touch service, and disciplined execution. A key differentiator is our proprietary investment models and a performance-driven approach designed to deliver strong outcomes across market cycles.
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Comprehensive financial planning
Regardless of what stage your life is in - moving ahead in your career, enjoying retirement, or somewhere in between - as your Financial Advisors, we can help you achieve your financial goals.
Using a suite of tools that includes goal-specific analysis, we can work with you to create a realistic, holistic strategy that integrates the various aspects of your financial life, including your investments and cash management needs.
We can create your personal roadmap to help achieve and protect your goals — a framework that makes the connection between your life goals and your financial resources, and provides a baseline for future discussions.
Build a Comprehensive Personal Balance Sheet and Detailed Financial Plan
We will thoroughly document and understand all aspects of your balance sheet. We provide a detailed analysis on all of your assets and any and all debts. From this, we then can model a variety of different financial goals going forward. These include how you must build your portfolio for a secure retirement, and for all other life goals including things like planning for your children's education, establishing a comprehensive estate plan, the selling of a business, and managing executive compensation plans, just to name a few.
Your financial plan is not only how we establish a new relationship, but consistently monitoring and updating it through the years is often the foundation of our relationship with our clients.
Analyze and Advise on Current Investments
When reviewing your current investments, we give unbiased analysis on all current investments you might have and any sort of debt associated with them. It is during this time that we will also introduce a prospective client to all of our proprietary investment models. Any potential changes that we suggest are also considerate of minimizing any undue tax implications.
Estate Planning
Based on a family's total net worth, there are different categories of sophistication needed to establish a proper estate plan. While we are not attorneys, we can not only work in conjunction with your attorney, and also have a deep bench of estate planning specialists inside of our Morgan Stanley network.
Manage Debt
We thoroughly review your mortgage, car loans, credit cards, and any other debts that you may have in order to help determine where you can save on interest and create a timeline for your debt payments by prioritizing which ones should be paid off first.
Strategies Built for Your Goals
We have a variety of proprietary investment models purpose-built to meet any financial goal you have. A key part of our process is taking the time to understand your unique, personal financial situation and help you land on the model that works best for you to meet your life's milestones.
1. Cash Management
While banks pay next to nothing on deposits held with them, we have alternatives to increase the yields on the portion of your portfolio that you would like to have in cash.
These include, Institutional Money Market Funds, high-yield FDIC insured certificates of deposit (CDs) as well as access to managers who can build a portfolio of short term investment grade corporate or federally tax-free municipal bonds.
2. The Balanced Income Model
This model seeks to produce annual income that exceeds the yield on a 10 Year treasury bond by 100 basis points (1 percent).
It is a Balanced Portfolio meaning that it comprises of bonds, real estate investment trusts and stocks whose primary dedication is paying consistent dividends that tend to grow annually from steady earnings streams such as regulated utilities, value oriented stocks and rental income from REITs.
The model seeks to have a very low correlation to the S&P 500 meaning that it should not decline as much in down markets but also not participate as much in up markets.
The model seeks to get excess total return in addition to the income generated by investing a portion of assets in cyclical companies that we believe are close to the trough part of their cycle.
3. The Dividend Growth Model
This model seeks to invest in companies that have demonstrated a strong commitment to shareholder returns by increasing their dividend payments every year. It includes many companies considered to be "Dividend Aristocrats" that have increased their dividend for at least 25 years. These companies emphasize financial stability, consistent earnings growth and mature business models. Over extended periods, a Dividend Aristocrats portfolio has shown competitive or superior performance relative to the S&P 500, particularly when adjusted for risk, having notably lower volatility than the S&P 500 index. The Benchmark we measure against is the Dow Jones Industrial Average.
4. The Fair Value Model
This model primarily invests in small and mid-cap companies that tend to perform in cycles that are different from large-cap stocks.
The portfolio consists of both companies that have produced steady or cyclical growth throughout economic cycles.
It also has a portion of the portfolio dedicated to companies we believe to have very substantial future addressable markets that may lead to significant growth, allowing them to one day grow to be large-cap companies.
5. The Intrinsic Growth Model
This model consists of large cap companies and uses performance against the S&P 500 as its benchmark.
It seeks to outperform its benchmark by understanding the weighting of each company in the index and then overweighting or underweighting the securities we think will benefit the portfolio to outperform.
In addition to overweighting and underweighting the various sectors that make up the index there is a heavy reliance on security selection as the portfolio owns only 10 to 20% of the stocks represented in the S&P 500.
As of 2026 it has a 10 - year annualized return net of fees that has grown faster than the S&P 500, which is our benchmark for this model.
6. The International and Emerging Markets Model Portfolio
This portfolio seeks to find opportunities of growth from companies outside the United States. Investing in International and Emerging market have offered long term returns, while not being correlated to the U.S market. As of 2026, we have been very underweight in this allocation but have begun to make it a greater portion of our recommended allocations based on growth catalysts that we see ahead. The portfolio has a select few individual stocks but primarily uses low-cost exchange traded funds to get access to these markets.
6. The Balanced Growth Portfolio
This is the portfolio is one that takes the best ideas from the sum of our different models and aggregates them into one. Unlike our other portfolios that stay fully invested all of the time, feeling that one can't "time the market", this portfolio is an "Asset Allocation" portfolio. Based on where we believe markets are in their various cycles we will overweight and underweight each asset class. It is typically the first portfolio we recommend for someone who wants to become a customer as opposed to becoming a client, and typically represents approximately 50 percent of a clients allocation with us.
Our Six-Step Process
Our wealth management approach focuses on you, your family, and your career - where you are today and where you want to go. Working together, we develop the strategies to get you there, navigating life's challenges and helping you make more informed decisions about your wealth.
1. Introductory Call
We begin with an informal conversation to understand your financial concerns and determine how we can add value. If we all agree to move forward, we'll schedule our next meeting and request important financial information.
2. Get to Know You Meeting
We continue the dialogue by fostering an in-depth conversation where we learn about the values that shape your decisions and identify any unique circumstances. We also review the documents you've prepared and define your priorities.
3. Analysis and Plan Development
Here, we utilize proprietary financial planning tools to develop a personalized and detailed plan with recommendations to help you grow, preserve and transfer your wealth.
4. Implementation
In this step, we present appropriate strategies that are designed to work together to achieve your goals. Upon your approval, we open new accounts for you at Morgan Stanley and initiate our investment recommendations. We'll also begin to implement other strategies we've discussed. These often encompass tax minimization strategies, as well as risk management and estate planning techniques.
5. Plan Monitoring
Holistic plans change over time as your personal and family situations change. We are here to revisit your plan regularly to make tactical changes to help meet the needs of our ever-changing situations and environment.
6. Ongoing Service
Committed to premium service, we focus on developing a relationship that provides special value to you and your family. As we begin to execute each strategy, we'll set up tools so you have immediate access to your account information. And because markets and personal needs evolve over time, we set up ongoing meetings to help ensure your plan remains on schedule to achieve your goals.
Who We Serve
At The RST Group, our clients are the driving force behind everything we do. We partner with individuals and families who have worked hard to build meaningful wealth—and who want thoughtful, comprehensive guidance to help protect it, grow it, and use it intentionally across life's milestones, market cycles, and generations.
Through our comprehensive planning process and proprietary investment methodologies, our role is to help you use your wealth to achieve what is most important to you. That may mean retiring early, selling your business, buying a vacation home, efficiently passing your assets along to heirs or meeting the special needs of a family member.
We provide unique and successful investment disciplines, customized to our client's needs and goals, allowing our clients to build wealth over time by focusing on both appreciation and preservation.
High Net Worth and Ultra High Net Worth Families
We work with families who want a coordinated approach to managing significant wealth across investments, planning, lending, and legacy goals. Our focus is on helping simplify complexity and align financial decisions with what matters most—today and for future generations.
Business Owners
We support entrepreneurs and closely held business owners with strategies that connect personal wealth planning to business realities. From liquidity planning and succession considerations to cash flow and financing needs, we help clients make decisions with both the business and family in mind.
Corporate Executives
We advise executives navigating complex compensation, concentrated equity positions, and evolving career milestones. Our goal is to help integrate equity planning, tax-aware strategies, and long-term financial planning into a clear, actionable roadmap.
Retirees and Family Foundations
We partner with retirees and philanthropic entities focused on sustaining income, preserving purchasing power, and managing risk over time. For families and foundations, we also help align giving strategies with mission and legacy objectives through thoughtful planning and governance support.
Location
2400 Lakeview Pkwy
Suite 300
Alpharetta, GA 30009
US
Direct:
(770) 643-7678(770) 643-7678
Meet The RST Group
Senior Vice President, Financial Advisor, Senior Portfolio Management Director, Lending Specialist
Phone:
(770) 643-7679(770) 643-7679
Jennifer Stephens
Registered Portfolio Associate
About Greg Rose
Securities Agent: TX, AL, WI, NV, CA, TN, NJ, NC, IL, AZ, ID, NY, MI, IN, MO, SC, WA, OH, GA, FL, VA, CO, MD, UT, PA; General Securities Representative; Investment Advisor Representative
NMLS#: 1262134
NMLS#: 1262134
About Bob Twardos
Securities Agent: TX, NY, MI, CA, MD, CO, UT, AZ, PA, IL, GA, FL, WA, AL, MO, WI, VA, SC, OH, NV, NC, ID, TN, NJ, IN; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 1262306
NMLS#: 1262306
Contact Greg Rose
Contact Bob Twardos
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
Article Image
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
Article Image
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
Article Image
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
Ready to start a conversation? Contact The RST Group today.
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 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
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, charitable giving, philanthropic planning and other legal matters.
4Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures | Morgan Stanley
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan 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
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, charitable giving, philanthropic planning and other legal matters.
4Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures | Morgan Stanley
CRC 4665150 (8/2025)