Joseph Fezza, CFP®
Executive Director, Wealth Advisor, Family Wealth Director, Portfolio Management Director, Workplace Advisor - Equity Compensation
Phone:
(305) 937-7131(305) 937-7131
The Spectrum Group at Morgan Stanley
Direct:
(305) 937-7131(305) 937-7131
Toll-Free:
(800) 736-4554(800) 736-4554
Industry Award WinnerOur Mission Statement
Team of experienced professionals who focus on Wealth Accumulation, Wealth Preservation, Wealth Distribution and Income Replacement for our clients.
We utilize financial planning and risk analysis to provide a customized solution to address our clients’ needs.
We utilize financial planning and risk analysis to provide a customized solution to address our clients’ needs.
About Us
As the financial world becomes increasingly complex, sound financial planning is no longer a luxury. It has become a virtual necessity. The Spectrum Group is a seasoned team of financial professionals who have served the diverse needs of high net worth investors, foundations, and corporations for many years. We have the resources and experience to craft a comprehensive plan for you and manage it prudently over time. The Spectrum Group takes a holistic approach to planning. Before we make any recommendations, we will work closely with you addressing a broad spectrum of issues, such as your current family situation, career aspirations, education costs, retirement goals, and estate planning.What we learn becomes the foundation for a sound strategy based on your unique profile and goals. From there, we will discuss such issues as your risk tolerance, asset allocation and the most suitable investments for you. But that is just the beginning. Over time, we’ll meet with you regularly to modify your plan to reflect changes in your life. At the Spectrum Group, our goal is to create a comprehensive plan that you can follow confidently, regardless of the ever-changing economic landscape.
Services Include
- Wealth ManagementFootnote1
- Professional Portfolio ManagementFootnote2
- Financial PlanningFootnote3
- Estate Planning StrategiesFootnote4
- Trust Services*
- Corporate BondsFootnote5
- Municipal BondsFootnote6
- 401(k) Rollovers
- Qualified Retirement PlansFootnote7
- Corporate Retirement PlansFootnote8
- Alternative InvestmentsFootnote9
- Lending Products
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Working with a Family with Director, Forbes and Barrons Recognized Advisor
The Spectrum Group's Executive Director and Family Wealth Director, Joseph Fezza, leverages the versatile resources of Morgan Stanley and professionals to help our clients and their families maximize the value of their human capital by driving family wealth education, making it more likely that all members of the family will have the foundation and support they need to potentially lead meaningful, fulfilled and engaged lives.
Forbes Awards - Joseph Fezza
Forbes Best In State Wealth Advisor 2025
Forbes Best In State Wealth Advisor 2024
Forbes Best In State Wealth Advisor 2023
Forbes Best In State Wealth Advisor 2022
Forbes Best In State Wealth Advisor 2021
Forbes Best In State Wealth Advisor 2020
Forbes Best In State Wealth Advisor 2019
Forbes Best In State Wealth Advisor 2018
Forbes Best In State Wealth Advisor 2024
Forbes Best In State Wealth Advisor 2023
Forbes Best In State Wealth Advisor 2022
Forbes Best In State Wealth Advisor 2021
Forbes Best In State Wealth Advisor 2020
Forbes Best In State Wealth Advisor 2019
Forbes Best In State Wealth Advisor 2018
Forbes Award - The Spectrum Group
Forbes Best-in-State Wealth Management Team 2025
Barron's Awards - Joseph Fezza
Top 1000 Advisors by Barron’s in 2010
Top 1000 Advisors by Barron’s in 2009
Top 1000 Advisors by Barron’s in 2009
Our Team's Family Wealth Capabilities
A Family Wealth Director (FWD) is a rare distinction, earned by only approximately 5 % of Morgan Stanley’s Financial Advisors as of December 2023. The designation is given to advisors who have undergone distinctive training to complement their extensive experience working with ultra-high net worth families.
Family Governance and Wealth Education
The Family Governance & Wealth Education group helps ultra high net worth families strive to maximize the value of their human capital by addressing sensitive family issues, facilitate communication and manage your family dynamic in an effort to achieve a shared sense of common direction in coordination with your outside advisors.
Legacy & Estate Planning strategies
We engage with our Executive Planning Director and Wealth Planning Center to provide a fully integrated, comprehensive analysis of your balance sheet, estate plan, and investment strategy through a collaborative process- at your request we will coordinate with your legal tax advisors as well.
Philanthropy Management
We provide our clients with a smart way to give to causes and charities they care about through Morgan Stanley GIFT. Our donor advised fund, GIFT, is a 501(c)(3) public charity structured to offer you a simple, thoughtful and tax-advantageous way to support your favorite charities.
Disclosures
2025 Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded Jan 2025) Data compiled by SHOOK Research LLC based for the period 3/31/23-3/31/2024.
Award Disclosure: https://www.morganstanley.com/disclosures/awards-disclosure.html
2018-2025 Forbes Best-In- State Wealth Advisors
Source: Forbes.com (Awarded 2018-2025). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
2009-2010 Barron's Top 1,000 Financial Advisors: State-by-State
Source: Barron's.com (Awarded Feb 2009-2010) Data compiled by Barron's based on time period from Sept 2007 - Sept 2009.
Source: Forbes.com (Awarded Jan 2025) Data compiled by SHOOK Research LLC based for the period 3/31/23-3/31/2024.
Award Disclosure: https://www.morganstanley.com/disclosures/awards-disclosure.html
2018-2025 Forbes Best-In- State Wealth Advisors
Source: Forbes.com (Awarded 2018-2025). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
2009-2010 Barron's Top 1,000 Financial Advisors: State-by-State
Source: Barron's.com (Awarded Feb 2009-2010) Data compiled by Barron's based on time period from Sept 2007 - Sept 2009.
The Morgan Stanley Global Impact Funding Trust, Inc. (“MS GIFT, Inc.”) is an organization described in Section 501(c) (3) of the Internal Revenue Code of 1986, as amended. MS Global Impact Funding Trust (“MS GIFT”) is a donor-advised fund. Morgan Stanley Smith Barney LLC provides investment management and administrative services to MS GIFT.
Modern Wealth Management Tools and Resources
Morgan Stanley's comprehensive suite of digital resources has carefully been designed to help enhance each aspect of your financial portfolio. Take some time to learn about some of the many modern wealth management resources that we offer to our clients.
Morgan Stanley Online
Your investments and everyday finances are never more than a few clicks away with Morgan Stanley Online (MSO) and the Morgan Stanley mobile app! Providing clients with access to their finances and investments in an instant with the help of this handy resource that is available 24/7.
Sign on or register
Total Wealth View
Complete your financial profile with total wealth view. By linking your external account information, you will benefit from more educated and comprehensive wealth planning, along with convenient connectivity.
Click here to learn more
Portfolio Risk Platform
Morgan Stanley’s Portfolio Risk Platform is powered by BlackRock’s Aladdin risk engine, a state-of-the-art, innovative software used by several of the world’s largest institutional asset managers. The Portfolio Risk Platform provides you with comprehensive risk analytics and a sophisticated view of the risk/return dichotomy across your financial portfolios. This tool can assist you in making educated investment decisions with increased confidence.
Click here to learn more
MS Reserved
Reserved Living & Giving is a tiered loyalty program that rewards clients with over one million dollars in assets and liabilities invested at the firm. The program is designed to enhance your lifestyle and relationship with the firm beyond traditional wealth management services.
Click here to learn moreMonthly Market Updates
Here is where you will find market updates, brought to you by both the Firm as well as our Team, on a monthly basis.
Global Investment Committee Monthly Research Report
Detailed market commentary from Morgan Stanley's thought leaders on topics such as global equities, fixed income, monetary policy and more.
Read the Latest Report
The Spectrum Group - Monthly Market Update Call
Joe, Howard, and Kate share Morgan Stanley's view on the current market condition and updates in the teams monthly call series.
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.
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.
2025 Tax Tables
This helpful resource outlines the 2025 tax rate schedule, education and health savings account limits, retirement contribution and deduction limits, among other information. With tax season seemingly always right around the corner, it’s best to be as informed as possible.
Access the 2025 Tax Tables
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.
Insurance
We take an extremely close look at your financial profile to decipher what type(s) of insurance most fit your needs, and determine if your current insurance policies are best suited for your goals.
Retirement
Leading up to and through retirement, we are here to help you identify the most appropriate ways to obtain the income you need and help ensure that you are on track to achieve your financial goals
Location
20807 Biscayne Blvd
5th & 6th Fl
Aventura, FL 33180
US
Direct:
(305) 937-7131(305) 937-7131
Toll-Free:
(800) 736-4554(800) 736-4554
Meet The Spectrum Group
Financial Advisor, Vice President, Portfolio Manager, Workplace Advisor - Equity Compensation
Phone:
(305) 937-7161(305) 937-7161
Phone:
(305) 466-4808(305) 466-4808
Angie Fezza
Associate Vice President, Wealth Mannagement Associate
Phone:
(305) 937-7129(305) 937-7129
Stephanie Hammer
Senior Client Service Associate
Phone:
(305) 937-7114(305) 937-7114
Natalia Rodriguez
Registered Client Service Associate
Phone:
(305) 937-7115(305) 937-7115
About Joseph Fezza
Joseph Fezza was named to Forbes Magazine’s List of America’s Best-in-State Wealth Advisors in February 2019, 2020, 2021, 2022, 2023 and again in 2024. Previously, he was recognized as one of the Top 1000 Advisors by Barron’s in 2009 and 2010. He has been a Member of Morgan Stanley’s President’s Club and Chairman’s Club since 1993 most recently being named a member of the firms prestigious Master’s Club in 2021 and 2022. He completed his Certified Financial Planner™ designation in 1991 and Morgan Stanley Wharton Graduate School Senior Advisor Program in 1997. Having been with Morgan Stanley since December of 1984, he has witnessed and experienced scores of market conditions that have influenced the performance of his clients’ portfolios and delivers tailored advice and guidance helping clients build, preserve and manage their wealth for themselves and future generations. His first priority is to help you achieve your financial goals.
Disclosures:
2019-2024 Forbes Best-In- State Wealth Advisors
Source: Forbes.com (Awarded 2019-2024). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
2009-2010 Barron's Top 100 Financial Advisors (formerly referred to as Barron's Top 1,000 Financial Advisors: State-by-State)
Source: Barrons.com (Awarded 2009-2010). Data compiled by Barron's based on 12-month period concluding in Dec of the year prior to the issuance of the award."
This material is intended only for clients and prospective clients of the Portfolio Management program. It has been prepared solely for informational purposes only and is not an offer to buy or sell or a solicitation of any offer to buy or sell any security or other financial instrument, or to participate in any trading strategy.
Disclosures:
2019-2024 Forbes Best-In- State Wealth Advisors
Source: Forbes.com (Awarded 2019-2024). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
2009-2010 Barron's Top 100 Financial Advisors (formerly referred to as Barron's Top 1,000 Financial Advisors: State-by-State)
Source: Barrons.com (Awarded 2009-2010). Data compiled by Barron's based on 12-month period concluding in Dec of the year prior to the issuance of the award."
This material is intended only for clients and prospective clients of the Portfolio Management program. It has been prepared solely for informational purposes only and is not an offer to buy or sell or a solicitation of any offer to buy or sell any security or other financial instrument, or to participate in any trading strategy.
Securities Agent: MD, AK, CA, VA, LA, WA, MA, IN, CT, AZ, NY, PA, OH, NJ, MT, MO, GA, VI, TX, CO, WV, DC, TN, NC, MN, KY, NH, SC, WI, DE, FL, NV, MI, IL; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 1375317
NMLS#: 1375317
About Katharine DeSoto
Kate DeSoto, CFP® serves as a Financial Advisor at Morgan Stanley. Originally from Columbus, Indiana, Kate is a graduate of Indiana University, with a BS in Psychology and a BA in Criminal Justice. Kate began her career in the financial services in Charlotte, North Carolina in 2007. She focused her career on a team that specialized in municipal and taxable, fixed income. In 2012, Kate and her husband moved to South Florida where she became a founding member of The Spectrum Group. Kate’s passion is to ensure the success of her clients financial future by creating financial plans. Kate also loves spending quality time with her clients and building deeper relationships. In 2015, Kate earned her CFP Designation.
Kate and her husband Starkey live in the Hollywood area raising their children. She enjoys riding bikes with her family, traveling and swimming. However, in the off chance she has time, she enjoys running and has completed the Miami Marathon once and a dozen half marathons all over the country.
Kate and her husband Starkey live in the Hollywood area raising their children. She enjoys riding bikes with her family, traveling and swimming. However, in the off chance she has time, she enjoys running and has completed the Miami Marathon once and a dozen half marathons all over the country.
Securities Agent: SC, VI, NC, IL, MD, IN, CT, WV, FL, AL, WA, PA, NJ, MO, DC, AZ, NY, VA, NV, KY, NH, MT, MI, LA, GA, DE, TX, OH, MN, MA, CO, CA, WI, TN; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1297686
NMLS#: 1297686
About Howard Lerner
Howard Lerner is a Senior Vice President and Wealth Advisor at Morgan Stanley. He also holds the Family Wealth Advisor designation with the Company. Howard began his financial services career at Merrill Lynch in 1987 on the Middle Markets Fixed Income Desk in New York. In 1993 Howard moved to Florida to pursue a career as a Financial Advisor. In 1994, he joined Dean Witter, now Morgan Stanley Wealth Management, where he has served in a variety of roles, including ten years in management serving as a sales manager, branch manager, and complex manager. In 2012, he left his managerial role and formed the Spectrum Group along with Joe and Kate.
Howard has been and is active in Philanthropy having previously sat on boards at Joe DiMaggio Children’s Hospital, the Broward Center for Performing Arts, and Equine Assisted Therapies of South Florida. Howard’s charitable work has been memorialized in a video by the Morgan Stanley foundation about his work with Equine Assisted Therapies, his son Asher, and how the MS Foundation helps local organizations that their employees support. In 2017 Howard was nominated for the prestigious Men with Caring Hearts award through the Florence Fuller Child Development Foundation.
Howard lives with his two sons Asher and Jess and when he isn’t working enjoys spending time in the outdoors with his two sons.
Howard has been and is active in Philanthropy having previously sat on boards at Joe DiMaggio Children’s Hospital, the Broward Center for Performing Arts, and Equine Assisted Therapies of South Florida. Howard’s charitable work has been memorialized in a video by the Morgan Stanley foundation about his work with Equine Assisted Therapies, his son Asher, and how the MS Foundation helps local organizations that their employees support. In 2017 Howard was nominated for the prestigious Men with Caring Hearts award through the Florence Fuller Child Development Foundation.
Howard lives with his two sons Asher and Jess and when he isn’t working enjoys spending time in the outdoors with his two sons.
Securities Agent: AZ, MD, LA, IL, SC, OH, MT, DE, CT, VA, KY, DC, CO, NJ, IN, NH, MN, MI, WI, VI, MO, CA, WA, TX, PA, NY, NV, MA, FL, NC, GA, WV, TN; BM/Supervisor; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 1375292
NMLS#: 1375292
About Angie Fezza
Angie Fezza began her financial industry career at Merrill Lynch in 2010, completed all required regulatory licenses for Stocks, Bonds and Commodity trading in 2011. She joined Morgan Stanley in 2015 and previously worked at J.P. Morgan as an Investment Professional as well.
Angie earned her MBA from Navarra Business school, Pamplona, Spain in 2007. B.A. in International Business Administration from Universidad de la Sabana, Bogotá Colombia in 2005.
Angie is a fully integrated member of the team assisting clients with trade executions, account management, customized portfolio analysis reports and financial plans for client solutions. Angie speaks English, Spanish and French. Angie enjoys her free time with her husband and daughter Valentina who loves to spend time riding her bike, swimming, playing soccer and fishing.
Angie earned her MBA from Navarra Business school, Pamplona, Spain in 2007. B.A. in International Business Administration from Universidad de la Sabana, Bogotá Colombia in 2005.
Angie is a fully integrated member of the team assisting clients with trade executions, account management, customized portfolio analysis reports and financial plans for client solutions. Angie speaks English, Spanish and French. Angie enjoys her free time with her husband and daughter Valentina who loves to spend time riding her bike, swimming, playing soccer and fishing.
About Stephanie Hammer
Stephanie Hammer joined Morgan Stanley, formerly Dean Witter in September 1988. She started her career in 1985 in the financial sector in New York City. She has worked in different roles within the company, including Operations Manager for 10 years. Stephanie brings to our team a wide-range of knowledge in the operational area as a Senior Client Service Associate. Her outstanding skills, communication, and attention to detail allow us to provide exceptional service to our clients. Stephanie is a mother to four beautiful children and an exceptionally young grandmother to four. She loves to read, travel, and cook for her growing family.
About Natalia Rodriguez
Natalia Rodriguez was born in Bogota, Colombia and moved to Miami, Florida in 2008, she achieved her bachelor’s degree in Business Administration with concentration in finance and a minor in international business from Florida International University in 2014. That same year, she started her career in the finance sector at Wells Fargo Advisors. In 2019, Natalia joined the Spectrum Group at Morgan Stanley where she currently strives to dedicate her time and compassion along with our team to help our clients achieve their financial goals. In her free time, Natalia enjoys spending time with her family, friends, and traveling to new places.
Contact Joseph Fezza
Contact Katharine DeSoto
Contact Howard Lerner
Awards and Recognition
Forbes Best-In-State Wealth Advisors
2018-2025 Forbes Best-In- State Wealth Advisors Source: Forbes.com (Awarded 2018-2025). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
Forbes Best-In-State Wealth Management Teams
Forbes Best-In-State Wealth Management Teams Source: Forbes (Awarded Jan 2025) Data compiled by SHOOK Research LLC based for the period 3/31/23-3/31/24.
2
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
John Fanning
Senior Private Banker
Scott Owens, CFA, CIMA®
Managing Director, Wealth Management, Institutional Consulting Director, Alternative Investments Director
About John Fanning
John Fanning is a Private Banker serving Morgan Stanley Wealth Management offices in Florida.
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.
John began his career in financial services in 1992, and joined Morgan Stanley in 2010 as a Financial Advisor. Prior to joining the firm, he was a Commercial Banker at SunTrust Bank (now Truist Bank) and Bank United. He also also served as a Finance Manager at Merrill Lynch Business Financial Services.
John is a graduate of Florida Atlantic University, where he received a Bachelor of Science in Finance. He lives in Fort Lauderdale, Florida with his family. Outside of the office, John enjoys coaching and watching his sons excel in sports, spending time with family and friends, and cheering on all South Florida sports team.
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.
John began his career in financial services in 1992, and joined Morgan Stanley in 2010 as a Financial Advisor. Prior to joining the firm, he was a Commercial Banker at SunTrust Bank (now Truist Bank) and Bank United. He also also served as a Finance Manager at Merrill Lynch Business Financial Services.
John is a graduate of Florida Atlantic University, where he received a Bachelor of Science in Finance. He lives in Fort Lauderdale, Florida with his family. Outside of the office, John enjoys coaching and watching his sons excel in sports, spending time with family and friends, and cheering on all South Florida sports team.
NMLS#: 803783
Private Bankers, Ultra High Net Worth ("UHNW") Specialists, PBG Market Managers, Lending Advisors, Mortgage Consultants, Regional Mortgage Specialist, Cash Management Specialists, Associate Private Bankers are employees of Morgan Stanley Private Bank, National Association.
Banking products and services are offered by Morgan Stanley Private Bank, National Association, Member FDIC.
Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
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.
Banking products and services are offered by Morgan Stanley Private Bank, National Association, Member FDIC.
Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
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
Press Release - Joseph Fezza Named a Forbes Best-in-State Wealth Advisor
Wealth Management
Global Investment Office
Portfolio Insights
This is a video content
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
Rational Investing in an Age of Uncertainty
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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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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 Spectrum Group today.
CFP Board owns the marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the U.S., which it awards to individuals who successfully complete CFP Board's initial and ongoing certification requirements.
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States. 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’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 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.
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.
5Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
6Municipal bonds may not be appropriate for all investors. Income generated from an investment in a municipal bond is generally exempt from federal income taxes. Some income may be subject to state and local taxes and to the federal alternative minimum tax. Capital gains, if any, are subject to tax.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) and its Financial Advisors and Private Wealth Advisors do not provide any tax/legal advice. Consult your own tax/legal advisor before making any tax or legal-related investment decisions.
7When 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.
8When 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.
9Alternative 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.
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.
CFP Board owns the marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque 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 | Morgan Stanley
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’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 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.
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.
5Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
6Municipal bonds may not be appropriate for all investors. Income generated from an investment in a municipal bond is generally exempt from federal income taxes. Some income may be subject to state and local taxes and to the federal alternative minimum tax. Capital gains, if any, are subject to tax.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) and its Financial Advisors and Private Wealth Advisors do not provide any tax/legal advice. Consult your own tax/legal advisor before making any tax or legal-related investment decisions.
7When 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.
8When 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.
9Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
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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.
CFP Board owns the marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque 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 | Morgan Stanley
CRC 4665150 (8/2025), 4763067 (9/2025)
