Senior Vice President, Financial Advisor, Senior Investment Management Consultant, Alternative Investments Director
Phone:
(503) 534-3460(503) 534-3460
The Springwater Group at Morgan Stanley
Direct:
(503) 534-3422(503) 534-3422
Our Mission Statement
Comprehensive wealth planning strategies for your life and legacy
Who We Are
The Springwater Group was formed around the inspiration that living water flows from within.
We listen and discover. As you open up and share your life vision with us, we are skilled and proficient in constructing a financial approach that best serves you, helps those whom you love, and delivers the maximum impact to your world.
We are financial advisors that bring a desire to help and a depth of experience when we meet with you. As a multigenerational financial planning team, we combine multiple perspectives to help clients define their goals and implement progressive strategies to achieve them.
Our communication channels are always open. In a world that constantly changes, our clients are kept informed, well-connected, and confident in their finances.
We invite you to encounter our team by scheduling a meeting of mutual discovery.
“The purpose in a man’s heart is like deep water, but a man of understanding will draw it out.” - Proverbs 20:5
Forbes Best-In-State Wealth Management Teams 2024-2025
Source: Forbes.com (Awarded 2024-2025) Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
We listen and discover. As you open up and share your life vision with us, we are skilled and proficient in constructing a financial approach that best serves you, helps those whom you love, and delivers the maximum impact to your world.
We are financial advisors that bring a desire to help and a depth of experience when we meet with you. As a multigenerational financial planning team, we combine multiple perspectives to help clients define their goals and implement progressive strategies to achieve them.
Our communication channels are always open. In a world that constantly changes, our clients are kept informed, well-connected, and confident in their finances.
We invite you to encounter our team by scheduling a meeting of mutual discovery.
“The purpose in a man’s heart is like deep water, but a man of understanding will draw it out.” - Proverbs 20:5
Forbes Best-In-State Wealth Management Teams 2024-2025
Source: Forbes.com (Awarded 2024-2025) Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
Services Include
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Our Approach
Our Process
- DISCOVER: The financial planning process starts with a conversation to discover your goals and understand your entire financial picture. We know that finances can be complicated and emotional. We aim to get to know your unique aspirations, goals, fears, and concerns.
- PLAN: We believe that a successful planning strategy must be customized to reflect what you care about most, address the shifting nature of issues and the unknown, and seek to mitigate judgement and behavioral risks.
- IMPLEMENT: We work with you to implement a strategic investment approach. Our holistic integration process directly ties your money to your goals. We look across all your accounts to identify the combination that best meets your saving and spending goals.
- MONITOR & ADAPT: We believe that as your life changes, you need an investment plan that is proactive. We help continuously track your progress and make adjustments to account for life, career, and market changes.
Giving Back
May 2024 Guatemala Well Drilling Trip
During this year's Global Volunteer Month, the team had the privilege of participating in an international volunteer event!
It was a hot and humid work week for our team, as we worked under the leadership of Living Water International local Guatemala staff and together with inspirational leaders, teachers and members of the local community.
It was a hot and humid work week for our team, as we worked under the leadership of Living Water International local Guatemala staff and together with inspirational leaders, teachers and members of the local community.
Shred Day 2024
The Springwater Group held our annual Shred Event at Oak Hills Rec Center on Saturday morning September 7th. We had over 150 people attend, including 24 of Springwater Group clients. The Shred NW Truck onsite chewed up over 7,600 pounds of documents.
We were pleased to have Andrew and Allison Tank volunteer, helping Matt and Doug fill the bins with files and documents from the cars.
Our earliest car arrived at 6:45 a.m. eager for us to get started. Our barista was all set up by 7:30 a.m. and after the early hour rush of intense shredders, we had some fun conversations before our event adjourned and the truck retired at 10:00 a.m.
Thank you to the Oak Hills and the Claremont communities who turned out in force and we appreciate a number of clients who drove quite a distance to participate in the experience with us.
We were pleased to have Andrew and Allison Tank volunteer, helping Matt and Doug fill the bins with files and documents from the cars.
Our earliest car arrived at 6:45 a.m. eager for us to get started. Our barista was all set up by 7:30 a.m. and after the early hour rush of intense shredders, we had some fun conversations before our event adjourned and the truck retired at 10:00 a.m.
Thank you to the Oak Hills and the Claremont communities who turned out in force and we appreciate a number of clients who drove quite a distance to participate in the experience with us.
During the week, the Springwater Team successfully:
•Drilled, installed, and dedicated a working well
•Engaged with Living Water and community leaders in celebration of accessible fresh water to the people of their local community.
•Worked side by side community leaders to install a working bathroom building adjacent to a local community church.
•Taught multiple health and hygiene lessons to children inside of the community grade school and high school.
•Engaged with Living Water and community leaders in celebration of accessible fresh water to the people of their local community.
•Worked side by side community leaders to install a working bathroom building adjacent to a local community church.
•Taught multiple health and hygiene lessons to children inside of the community grade school and high school.
Shred Day 2023
Thank you to all our clients who came to our Shred Day Event in May 2023. This was our fifth year hosting in the Oak Hills Community. We had a turnout of over 250 people and shredded 4 tons of confidential documents.
Why Water? Why Living Water?
Everything begins with water. Water is the foundation of all sustainable development. It impacts every aspect of life: hygiene and sanitation, mental and social well-being, justice issues for women and children, education, the economy, and the environment. The approach of Living Water International is to build thriving communities by linking arms with individuals, church congregations, and communities to end the global crisis by cultivating sustainable water access, sanitation, and hygiene (WASH) programs. The concern of the mission of Living Water is for the whole person – physical and spiritual. 771 million people lack basic access to water and are trapped in a cycle of poverty.
• More than 820,000 people are estimated to die each
year due to water-related illnesses.
• 1 in 5 children lack access to basic drinking water.
• Women spend 200 million hours collecting water daily.
• $260 billion is lost each year due to inadequate water
supply and sanitation.
• 2.3 billion people live in water-stress countries.
• More than 820,000 people are estimated to die each
year due to water-related illnesses.
• 1 in 5 children lack access to basic drinking water.
• Women spend 200 million hours collecting water daily.
• $260 billion is lost each year due to inadequate water
supply and sanitation.
• 2.3 billion people live in water-stress countries.
10 New Water Wells dug in India Villages
We fully sponsored the digging of 10 new wells in remote India.
Member of the local village and church worked together to “hand dig” New wells as a fresh water sources in these remote villages. Working With Ignite the World Ministries to bringing living water as of gift to the Locals in the community.
Member of the local village and church worked together to “hand dig” New wells as a fresh water sources in these remote villages. Working With Ignite the World Ministries to bringing living water as of gift to the Locals in the community.
Our Legacy
Please scroll through the photos which provide visuals of our legacy story below.
In the Fall of 2017, the Springwater Group was formed. Doug Moshofsky, Jimm Pierson, Tim Tank, and Matt Moshofsky had the shared vision to help clients discover their goals, implement strategic planning, and create a legacy that lasts. The team experienced growth and development in the areas of practice management, investment discipline, financial and estate planning, and college financial planning.
In the Summer of 2021, Jimm Pierson retired after 39 years as a financial advisor. Jimm was proud that his entire career was spent with the same firm. Through the various mergers, name changes, and economic events, Jimm sought to always do what was in the best interest for his clients. His determination, diligence, and loyalty to clients and coworkers are his legacy.
In 2023, Tammi Foehlinger retired. Tammi has been a faithful assistant to clients of both Jimm and Doug and is a founding member of the Springwater Group.
On January 1, 2024, the team lost Tim Tank to cancer. Tim was more than a business partner, but a close friend and a trusted advisor to so many clients. In 2017, Tim was able to rebound from his first battle with brain cancer. A man of faith, Tim would often tell his story and reflect on the gift he received when the brain tumors miraculously disappeared. He returned to work at Morgan Stanley after a year on leave following the initial terminal diagnosis of glioblastoma. Shortly after, Tim received his CERTIFIED FINANCIAL PLANNER™ (CFP®) designation and continued presenting on college financial planning.
The Springwater Group’s proficiency in college financial planning is largely because of Tim Tank. Tim was a high school counselor and track and cross-country coach before becoming a financial advisor. Having a passion for helping youth and a competency with the college admissions and financial aid processes, Tim would often say that “no two families are alike” and “there is no ‘one size fits all’ approach when it comes to college planning”.
Tim was incredibly generous with his time to clients, friends, community, and anyone that had a question. He took great pleasure in helping others talk through their situation and come up with creative solutions. Tim’s generosity didn’t stop with financial planning. Tim’s love of running and family, led him to create and organize the annual Oak Hills Turkey Trot.
For the 800+ friends and family turned out to Beaverton Foursquare Church for his memorial service, Tim’s legacy was evident. Doug and Matt aim to carry on the legacy of stewardship, generosity, care, and diligence in the DNA of the Springwater Group.
In the Fall of 2017, the Springwater Group was formed. Doug Moshofsky, Jimm Pierson, Tim Tank, and Matt Moshofsky had the shared vision to help clients discover their goals, implement strategic planning, and create a legacy that lasts. The team experienced growth and development in the areas of practice management, investment discipline, financial and estate planning, and college financial planning.
In the Summer of 2021, Jimm Pierson retired after 39 years as a financial advisor. Jimm was proud that his entire career was spent with the same firm. Through the various mergers, name changes, and economic events, Jimm sought to always do what was in the best interest for his clients. His determination, diligence, and loyalty to clients and coworkers are his legacy.
In 2023, Tammi Foehlinger retired. Tammi has been a faithful assistant to clients of both Jimm and Doug and is a founding member of the Springwater Group.
On January 1, 2024, the team lost Tim Tank to cancer. Tim was more than a business partner, but a close friend and a trusted advisor to so many clients. In 2017, Tim was able to rebound from his first battle with brain cancer. A man of faith, Tim would often tell his story and reflect on the gift he received when the brain tumors miraculously disappeared. He returned to work at Morgan Stanley after a year on leave following the initial terminal diagnosis of glioblastoma. Shortly after, Tim received his CERTIFIED FINANCIAL PLANNER™ (CFP®) designation and continued presenting on college financial planning.
The Springwater Group’s proficiency in college financial planning is largely because of Tim Tank. Tim was a high school counselor and track and cross-country coach before becoming a financial advisor. Having a passion for helping youth and a competency with the college admissions and financial aid processes, Tim would often say that “no two families are alike” and “there is no ‘one size fits all’ approach when it comes to college planning”.
Tim was incredibly generous with his time to clients, friends, community, and anyone that had a question. He took great pleasure in helping others talk through their situation and come up with creative solutions. Tim’s generosity didn’t stop with financial planning. Tim’s love of running and family, led him to create and organize the annual Oak Hills Turkey Trot.
For the 800+ friends and family turned out to Beaverton Foursquare Church for his memorial service, Tim’s legacy was evident. Doug and Matt aim to carry on the legacy of stewardship, generosity, care, and diligence in the DNA of the Springwater Group.
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4800 Meadows Rd
#400
Lake Oswego, OR 97035
US
Direct:
(503) 534-3422(503) 534-3422
Meet The Springwater Group
Matt Moshofsky, CFP®
First Vice President, Financial Advisor
Phone:
(503) 534-3453(503) 534-3453
Joel Kiernan
Client Service Associate
Phone:
(503) 534-3422(503) 534-3422
About Doug Moshofsky
Faith, family, and finances are core to Doug’s story.
As a young boy Doug invested lawn money cash into stocks, with his dad’s encouragement. Doug’s first job was wearing a hard hat and gloves to work summers at the Moshofsky family lumber mill. Things transitioned into the office, selling lumber after college. However, troubling times hit the forest products industry. With his finance degree and MBA, Doug helped his family navigate the successful sale of the business, which was transformative and inspirational. Digging into estate planning and wealth management strategies spawned the desire to do similar work helping others. This motivated Doug to pursue the opportunity to transition to be a financial advisor.
Generational family dynamics struck again in 2017, when son Matt Moshofsky joined his as the second member of the Springwater Group. Matt came over from the public accounting firm PwC, where Matt developed financial stewardship skills as a practicing CPA.
Doug is committed to providing excellence and wholistic financial solutions for clients. Consequently, he earned his credentials as a Certified Financial Planner (CFP®) and Certified Investment Management Analyst (CIMA®). Seeking biblical wisdom into financial stewardship, Doug studied and became a Certified Kingdom Advisor (CKA®). Doug leads a monthly study group of fellow Kingdom Advisor professionals to help sharpen their insights.
Proverbs 20:5 says, “The purpose in a man’s heart is like deep water, but a man of understanding will draw it out”. This idea is a guiding principle to the Springwater Group, whose name is inspired by notion that living water flows from within.
Water has always inspired Doug. He grew up competing as a swimmer at a national level, then played water polo at the University of Washington. Doug and his wife Julie enjoy living on the Willamette River where flowing water has a way of bringing peace and serenity. As empty nesters, they get to spend a great deal of time working outdoors with their dogs and chickens. Fun activities like slalom skiing, kayaking, and open water swims fill their day. When opportunity strikes, they travel to exotic places to SCUBA or sit on sandy beaches. However, the highlight is when the grandchildren come over to play and go for a ride on “Papa’s slow boat”.
Doug and his high school sweetheart Julie have enjoyed 40 years of marriage. They raised four children in the Beaverton community of Murray Hill. The family lifestyle was active, including competitive sports, fun road trips, and many Oregon Duck football and bowl games. Sons Michael and Mark followed in their dad’s footsteps by playing water polo for the Huskies. As a family who celebrates competition, Doug and all four of his kids, including Matt and daughter Mary Lynn, have competed together in several Half Ironman triathlons.
EXPERIENCE, EDUCATION, ASSOCIATIONS:
• Certified Kingdom Advisor (CFP CKA), May, 2021.
• Certified Financial Planner (CFP), January, 2003
• Certified Investment Management Analyst (CIMA), June, 2007
• Masters of Business Administration (MBA), University of Oregon (OEMBA), June, 1990
• Bachelor of Arts in Finance, University of Washington, June, 1984
• Phi Beta Kappa and Cum Laude Honors
• Five Star Wealth Manager – 13 Time Award Winner (2012- 2024)
• The Navigators – First Responder Ministry (Advisory Council)
• Rotary Club of Portland (former Trust Board and Club Board service)
• Open Arms International (former Board Chair) – including two trips with medical mission team and serving orphans in OAI Village in Eldoret, Kenya
• Good Friday Breakfast (founding committee member and 3-time GFB Event Chair)
• Northwest Christian Community Foundation (former board member)
• IRONMAN 70.3 Finisher (Boise, Lake Stevens, Victoria, Coeur d’Alene)
• Portland Bridge Swim (2015)
• U of W Husky Water Polo Team (4-year starter, All League)
• Oregon Shrine Game - Football All Star (1980)
• Multnomah Athletic Club
• Grace Chapel - Wilsonville
2012-2022 Five Star Wealth Manager Award
Source: fivestarprofessional.com (Awarded 2012-2022) 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.
https://fivestarprofessional.com/awardwinner/32259
https://www.morganstanley.com/disclosures/awards-disclosure.html
As a young boy Doug invested lawn money cash into stocks, with his dad’s encouragement. Doug’s first job was wearing a hard hat and gloves to work summers at the Moshofsky family lumber mill. Things transitioned into the office, selling lumber after college. However, troubling times hit the forest products industry. With his finance degree and MBA, Doug helped his family navigate the successful sale of the business, which was transformative and inspirational. Digging into estate planning and wealth management strategies spawned the desire to do similar work helping others. This motivated Doug to pursue the opportunity to transition to be a financial advisor.
Generational family dynamics struck again in 2017, when son Matt Moshofsky joined his as the second member of the Springwater Group. Matt came over from the public accounting firm PwC, where Matt developed financial stewardship skills as a practicing CPA.
Doug is committed to providing excellence and wholistic financial solutions for clients. Consequently, he earned his credentials as a Certified Financial Planner (CFP®) and Certified Investment Management Analyst (CIMA®). Seeking biblical wisdom into financial stewardship, Doug studied and became a Certified Kingdom Advisor (CKA®). Doug leads a monthly study group of fellow Kingdom Advisor professionals to help sharpen their insights.
Proverbs 20:5 says, “The purpose in a man’s heart is like deep water, but a man of understanding will draw it out”. This idea is a guiding principle to the Springwater Group, whose name is inspired by notion that living water flows from within.
Water has always inspired Doug. He grew up competing as a swimmer at a national level, then played water polo at the University of Washington. Doug and his wife Julie enjoy living on the Willamette River where flowing water has a way of bringing peace and serenity. As empty nesters, they get to spend a great deal of time working outdoors with their dogs and chickens. Fun activities like slalom skiing, kayaking, and open water swims fill their day. When opportunity strikes, they travel to exotic places to SCUBA or sit on sandy beaches. However, the highlight is when the grandchildren come over to play and go for a ride on “Papa’s slow boat”.
Doug and his high school sweetheart Julie have enjoyed 40 years of marriage. They raised four children in the Beaverton community of Murray Hill. The family lifestyle was active, including competitive sports, fun road trips, and many Oregon Duck football and bowl games. Sons Michael and Mark followed in their dad’s footsteps by playing water polo for the Huskies. As a family who celebrates competition, Doug and all four of his kids, including Matt and daughter Mary Lynn, have competed together in several Half Ironman triathlons.
EXPERIENCE, EDUCATION, ASSOCIATIONS:
• Certified Kingdom Advisor (CFP CKA), May, 2021.
• Certified Financial Planner (CFP), January, 2003
• Certified Investment Management Analyst (CIMA), June, 2007
• Masters of Business Administration (MBA), University of Oregon (OEMBA), June, 1990
• Bachelor of Arts in Finance, University of Washington, June, 1984
• Phi Beta Kappa and Cum Laude Honors
• Five Star Wealth Manager – 13 Time Award Winner (2012- 2024)
• The Navigators – First Responder Ministry (Advisory Council)
• Rotary Club of Portland (former Trust Board and Club Board service)
• Open Arms International (former Board Chair) – including two trips with medical mission team and serving orphans in OAI Village in Eldoret, Kenya
• Good Friday Breakfast (founding committee member and 3-time GFB Event Chair)
• Northwest Christian Community Foundation (former board member)
• IRONMAN 70.3 Finisher (Boise, Lake Stevens, Victoria, Coeur d’Alene)
• Portland Bridge Swim (2015)
• U of W Husky Water Polo Team (4-year starter, All League)
• Oregon Shrine Game - Football All Star (1980)
• Multnomah Athletic Club
• Grace Chapel - Wilsonville
2012-2022 Five Star Wealth Manager Award
Source: fivestarprofessional.com (Awarded 2012-2022) 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.
https://fivestarprofessional.com/awardwinner/32259
https://www.morganstanley.com/disclosures/awards-disclosure.html
Securities Agent: NY, IN, NJ, PA, IL, OK, NV, CA, MO, MI, WY, OR, ID, AZ, AR, WA, DC, CO, MN, OH, FL, AK, UT, TX, NC, MA, NH, MD; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1253306
NMLS#: 1253306
About Matt Moshofsky
The discipline and responsibility of being a wise financial steward, and helping others in this realm, has always driven Matt. Starting out as a Certified Public Accountant (CPA), then transitioning to a Financial Advisor, Matt brings over 10 years of experience in the financial services industry.
Early on, Matt became a meticulous budgeter, diligent saver, and early investor. His interest in personal finance and business led him to major in Accounting at the University of Oregon, obtain his CPA designation with PricewaterhouseCoopers (PwC), and go to work helping companies optimize their financial processes. This experience provided Matt valuable insights into the finances and operations of both large public and small private companies.
Although exciting and fulfilling work, Matt's interest in financial planning and desire to help people, led him to follow in his father's footsteps and become a Financial Advisor. He now works alongside his Dad (Doug), helping optimize the financial processes and personal balance sheets of families and individuals.
Comprehensive and goal-oriented financial planning is central to Matt's process. He is a CERTIFIED FINANCIAL PLANNER (CFP®), holds the firm's Financial Planning Specialist (FPS) designation, and was named to the 2022 & 2023 Morgan Stanley Pacesetter's Club for client service. Matt also leads the Springwater Group's socially responsible investing strategies.
Matt, his wife of 10 years (Thea), daughter (Joanna), son (Clark), daughter (Daphne), and their flatcoated retriever (Henna) live in the Oak Hills community of Beaverton. Matt and Thea have a passion for mentoring high school students, which they do as Young Life Leaders for Sunset High School. Matt also sits on the Portland West Young Life Committee as the Area Treasurer. They enjoy neighborhood walks, the outdoors, spending time with friends and family, home projects, an occasional half ironman competition, and relaxing along the Willamette river.
EXPERIENCE, EDUCATION, ASSOCIATIONS:
• Certified Public Accountant (CPA), Oregon Board of Accountancy (function not performed at Morgan Stanley)
• CERTIFIED FINANCIAL PLANNER (CFP®)
• B.A. in Accounting from the University of Oregon, Presidential Scholar, Honors Business Program, Magna Cum Laude
• Portland West Young Life: Committee Treasurer, Sunset High School Leader
• IRONMAN 70.3 Finisher (Boise, Santa Cruz, Coeur d'Alene)
• OSAA 6A Football State Champion (2008), All League Wide Receiver/Defensive Back
• Beaverton Four Square Church
Early on, Matt became a meticulous budgeter, diligent saver, and early investor. His interest in personal finance and business led him to major in Accounting at the University of Oregon, obtain his CPA designation with PricewaterhouseCoopers (PwC), and go to work helping companies optimize their financial processes. This experience provided Matt valuable insights into the finances and operations of both large public and small private companies.
Although exciting and fulfilling work, Matt's interest in financial planning and desire to help people, led him to follow in his father's footsteps and become a Financial Advisor. He now works alongside his Dad (Doug), helping optimize the financial processes and personal balance sheets of families and individuals.
Comprehensive and goal-oriented financial planning is central to Matt's process. He is a CERTIFIED FINANCIAL PLANNER (CFP®), holds the firm's Financial Planning Specialist (FPS) designation, and was named to the 2022 & 2023 Morgan Stanley Pacesetter's Club for client service. Matt also leads the Springwater Group's socially responsible investing strategies.
Matt, his wife of 10 years (Thea), daughter (Joanna), son (Clark), daughter (Daphne), and their flatcoated retriever (Henna) live in the Oak Hills community of Beaverton. Matt and Thea have a passion for mentoring high school students, which they do as Young Life Leaders for Sunset High School. Matt also sits on the Portland West Young Life Committee as the Area Treasurer. They enjoy neighborhood walks, the outdoors, spending time with friends and family, home projects, an occasional half ironman competition, and relaxing along the Willamette river.
EXPERIENCE, EDUCATION, ASSOCIATIONS:
• Certified Public Accountant (CPA), Oregon Board of Accountancy (function not performed at Morgan Stanley)
• CERTIFIED FINANCIAL PLANNER (CFP®)
• B.A. in Accounting from the University of Oregon, Presidential Scholar, Honors Business Program, Magna Cum Laude
• Portland West Young Life: Committee Treasurer, Sunset High School Leader
• IRONMAN 70.3 Finisher (Boise, Santa Cruz, Coeur d'Alene)
• OSAA 6A Football State Champion (2008), All League Wide Receiver/Defensive Back
• Beaverton Four Square Church
Securities Agent: ID, IL, NY, NC, WA, MD, FL, DC, WY, MT, MI, CA, VA, NV, CO, AZ, TN, NH, TX, SC, MN, UT, NJ, MO, KS, PA, OR, OH, MA, IN; General Securities Representative; Investment Advisor Representative
NMLS#: 1751498
NMLS#: 1751498
About Joel Kiernan
With almost a decade of experience in the financial services industry, Joel brings a wealth of expertise to The Springwater Group. His journey in finance started with an undergraduate degree in Economics from the University of California, Irvine, and continued with a Masters in Business Administration including a specialization in Finance from San Diego State University.
Rooted in the values of hard work and perseverance instilled by his father, Joel took a natural inclination to long-term investing as early as high school. It was during this time that his father introduced him to the world of investing in the stock market, igniting a passion that has shaped his career.
Currently, Joel works with Doug and Matt at the Springwater Group, contributing his skills and knowledge to optimize financial planning and assist families and individuals in achieving their goals.
In Portland, he shares his life with his partner, Lindsay, and his loyal companion, Ranger. Their shared interests include exploring the vibrant outdoors through walks, hiking, and backpacking. Nature is not only their playground but also their inspiration. Beyond that, Lindsay and Joel enjoy practicing martial arts and experimenting with new, delicious recipes.
In both his professional and personal life, Joel strives for a balance that integrates financial acumen, dedication to personal growth, and a love for exploring the wonders of life with those he holds dear.
EXPERIENCE, EDUCATION, ASSOCIATIONS:
Masters in Business with a specialization in Finance, San Diego State University
B.A. in Economics, University of California, Irvine
Instructor in Muay Thai
Rooted in the values of hard work and perseverance instilled by his father, Joel took a natural inclination to long-term investing as early as high school. It was during this time that his father introduced him to the world of investing in the stock market, igniting a passion that has shaped his career.
Currently, Joel works with Doug and Matt at the Springwater Group, contributing his skills and knowledge to optimize financial planning and assist families and individuals in achieving their goals.
In Portland, he shares his life with his partner, Lindsay, and his loyal companion, Ranger. Their shared interests include exploring the vibrant outdoors through walks, hiking, and backpacking. Nature is not only their playground but also their inspiration. Beyond that, Lindsay and Joel enjoy practicing martial arts and experimenting with new, delicious recipes.
In both his professional and personal life, Joel strives for a balance that integrates financial acumen, dedication to personal growth, and a love for exploring the wonders of life with those he holds dear.
EXPERIENCE, EDUCATION, ASSOCIATIONS:
Masters in Business with a specialization in Finance, San Diego State University
B.A. in Economics, University of California, Irvine
Instructor in Muay Thai
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Certified Financial Planner Board of Standards, Inc. (CFP Board) owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™, and CFP® (with plaque design) in the United States, which it authorizes use of by individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
1Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
3When 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.
4Morgan 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.
5Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
6Morgan Stanley Smith Barney LLC (“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.
7The returns on a portfolio consisting primarily of Environmental, Social and Governance (“ESG”) aware investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because ESG 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.
8Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
1Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
3When 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.
4Morgan 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.
5Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
6Morgan Stanley Smith Barney LLC (“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.
7The returns on a portfolio consisting primarily of Environmental, Social and Governance (“ESG”) aware investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because ESG 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.
8Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
CRC 6491812 (04/2024)
