Timothy R Young, CFP®
Senior Vice President, Wealth Management, Financial Advisor, Senior Portfolio Manager, CERTIFIED FINANCIAL PLANNER®
Phone:
(636) 733-7613(636) 733-7613
The St. Charles Group at Morgan Stanley
Direct:
(636) 733-7659(636) 733-7659
Toll-Free:
(800) 966-4407(800) 966-4407
Our Mission Statement
Your peace of mind is our business. As your trusted advisors, we promote financial wellness through collaborative planning and expert, tailored wealth management. This frees you up to pursue your passions, dreams and talents with confidence.
Our Story and Services
The clients we serve are an exceptional group of people. All have accumulated significant wealth and need a team of trusted advisors to help them achieve and maintain financial success. The St. Charles Group is dedicated to truly understanding our clients – their lives, their plans and their interests – so they may accomplish their specific financial goals in today’s complex global marketplace.
Our wealth management approach covers the full spectrum of customized solutions:
For private wealth families, we serve as their personal financial officer, creating a comprehensive roadmap that seeks to ensure financial success over multiple generations.
For clients who have a particular interest in aligning their investments with their faith, we offer customized services to help ensure their assets are managed in a manner consistent with their values and the principles of human dignity and the common good.
And for institutions, foundations and endowments, we focus on reducing risk and increasing returns to help preserve principal and generate income for the important endeavors they are designed to support.
We believe comprehensive wealth management means more than providing investment advice. It means helping you strengthen the financial independence you've worked your whole life to achieve. It means striving to ensure you have the means to pursue what's most important. And it means understanding you and your family as individuals with unique goals, values and circumstances so we may develop effective strategies on your behalf. As our relationship grows, we hope you will come to regard us as a valued resource — trusted stewards who can help you make more informed decisions. We are committed to helping you protect and build your wealth and will work to strengthen your family’s financial security for generations to come.
To that end, we are committed to providing the following core values that serve as the foundation of our practice:
A Deep Passion for Helping People. We are dedicated to building deep and longstanding relationships, based on trust and integrity. We do this by working with a select group of individuals and families. We guide them through each challenge by maintaining a close relationship, and by providing the experience and strategies to keep them on course to achieving their specific financial goals.
A Team Approach. We believe you are entitled to the best advice possible. As a result, we have assembled a group of highly skilled professionals whose number one priority is you. As your wealth managers, we review your complete financial picture and help identify any gaps. When appropriate, we consult with key specialists to evaluate your unique challenges and devise specific recommendations.
Customized Service. Our clients have grown to depend on our proactive, concierge service model that is specially designed to help ensure every client feels like our only client. Above all, as a caring advisory team who understands the importance of family and the financial freedom to pursue personal interests, they appreciate our true passion for finding solutions to their specific life challenges.
Our wealth management approach covers the full spectrum of customized solutions:
For private wealth families, we serve as their personal financial officer, creating a comprehensive roadmap that seeks to ensure financial success over multiple generations.
For clients who have a particular interest in aligning their investments with their faith, we offer customized services to help ensure their assets are managed in a manner consistent with their values and the principles of human dignity and the common good.
And for institutions, foundations and endowments, we focus on reducing risk and increasing returns to help preserve principal and generate income for the important endeavors they are designed to support.
We believe comprehensive wealth management means more than providing investment advice. It means helping you strengthen the financial independence you've worked your whole life to achieve. It means striving to ensure you have the means to pursue what's most important. And it means understanding you and your family as individuals with unique goals, values and circumstances so we may develop effective strategies on your behalf. As our relationship grows, we hope you will come to regard us as a valued resource — trusted stewards who can help you make more informed decisions. We are committed to helping you protect and build your wealth and will work to strengthen your family’s financial security for generations to come.
To that end, we are committed to providing the following core values that serve as the foundation of our practice:
A Deep Passion for Helping People. We are dedicated to building deep and longstanding relationships, based on trust and integrity. We do this by working with a select group of individuals and families. We guide them through each challenge by maintaining a close relationship, and by providing the experience and strategies to keep them on course to achieving their specific financial goals.
A Team Approach. We believe you are entitled to the best advice possible. As a result, we have assembled a group of highly skilled professionals whose number one priority is you. As your wealth managers, we review your complete financial picture and help identify any gaps. When appropriate, we consult with key specialists to evaluate your unique challenges and devise specific recommendations.
Customized Service. Our clients have grown to depend on our proactive, concierge service model that is specially designed to help ensure every client feels like our only client. Above all, as a caring advisory team who understands the importance of family and the financial freedom to pursue personal interests, they appreciate our true passion for finding solutions to their specific life challenges.
Services Include
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Working With You
At the St. Charles Group, we work with a broad range of clientele. However, many of our clients find themselves and their families across more than one of the below categories.
Above all, our priority is to work with like-minded individuals who desire in depth financial, trust, and estate planning strategies complemented by customized portfolio management and a full suite of family office resources. By leveraging the power of our team and a global firm to deliver these resources, we give our clients as much time as possible to focus on their lives where it matters most.
Above all, our priority is to work with like-minded individuals who desire in depth financial, trust, and estate planning strategies complemented by customized portfolio management and a full suite of family office resources. By leveraging the power of our team and a global firm to deliver these resources, we give our clients as much time as possible to focus on their lives where it matters most.
Business Owners
Whether you require assistance navigating the sale or transfer of your business, the advice or capital required to grow the business, or simply a plan which will safeguard your assets and build on your continued success, The St. Charles Group is properly equipped to help you.
By combining the corporate resources of Morgan Stanley and our Investment Bank with the personal, founder-focused resources of a boutique team, we are able to coordinate every facet of your life and your business from creation to sale.
Learn MoreBy combining the corporate resources of Morgan Stanley and our Investment Bank with the personal, founder-focused resources of a boutique team, we are able to coordinate every facet of your life and your business from creation to sale.
Faith-Based Investors
Each of our clients have a unique set of priorities to consider when making investment decisions. For faith-based investors, we offer comprehensive investment services that align with your values.
The following screens, among others, are integrated into a faith-based investment strategy and are implemented through a selection of diversified portfolio options: protecting human life, promoting human dignity, reducing arms production, and supporting economic justice.
You don’t have to sacrifice performance to invest with purpose. By incorporating faith-based investing strategies into your overall financial plan, you can align your personal finances with your family values.
The following screens, among others, are integrated into a faith-based investment strategy and are implemented through a selection of diversified portfolio options: protecting human life, promoting human dignity, reducing arms production, and supporting economic justice.
You don’t have to sacrifice performance to invest with purpose. By incorporating faith-based investing strategies into your overall financial plan, you can align your personal finances with your family values.
Retirees and Pre-Retirees
How much do you need to retire? How much can you spend annually? Is your estate plan up to date? Do you have appropriate insurance in place? What about long term care?
How are you planning to take social security? Our in depth retirement planning serves to answer all of these questions and many more. You’ve worked hard to get where you are. Our goal is to work with you to create an organized and holistic plan across all of your various assets and portfolios.
Learn MoreHow are you planning to take social security? Our in depth retirement planning serves to answer all of these questions and many more. You’ve worked hard to get where you are. Our goal is to work with you to create an organized and holistic plan across all of your various assets and portfolios.
Multi-Generational Families
While all multi-generational families face complex financial issues, each has its own challenges, opportunities and aspirations.
Based on a deep understanding of these factors, we can help you create a customized, comprehensive plan to help you achieve your unique vision of a successful life and legacy for both you and your family.
Learn MoreBased on a deep understanding of these factors, we can help you create a customized, comprehensive plan to help you achieve your unique vision of a successful life and legacy for both you and your family.
Wealth Management Services
As the financial world becomes more complex and investment choices multiply, careful planning becomes even more important. Our role is to help you develop a strategy that lays out a clear path to your goals; one that you can easily follow, knowing you are making informed, confident decisions.
Together, we will explore a broad range of topics that are likely to influence your financial future – from your family’s financial situation to career aspirations, from educational expenses to the retirement you ultimately envision. What we discover will become the foundation for an investment strategy that is based on who you are and where you want to go. Over time, we will revise your strategy accordingly to reflect new priorities in your life and changes in the investment environment.
Our ability to evaluate solutions and formulate an individualized strategy based on extensive resources, credentials and education makes our process distinct. Below is a broad overview of the many capabilities we offer.
Together, we will explore a broad range of topics that are likely to influence your financial future – from your family’s financial situation to career aspirations, from educational expenses to the retirement you ultimately envision. What we discover will become the foundation for an investment strategy that is based on who you are and where you want to go. Over time, we will revise your strategy accordingly to reflect new priorities in your life and changes in the investment environment.
Our ability to evaluate solutions and formulate an individualized strategy based on extensive resources, credentials and education makes our process distinct. Below is a broad overview of the many capabilities we offer.
Lifestyle Management
The life you lead and what you leave to others.
• Comprehensive financial planning
• Balance sheet analysis
• Cash management services
• Education funding
• Retirement planning
• Estate and legacy planning strategies
• Charitable giving strategies
• Comprehensive financial planning
• Balance sheet analysis
• Cash management services
• Education funding
• Retirement planning
• Estate and legacy planning strategies
• Charitable giving strategies
Risk Management
Anticipating and managing financial threats.
• Portfolio protection strategies
• Tax-efficient investing
• Life, disability and long-term care insurance
• Identity theft solutions
• Portfolio protection strategies
• Tax-efficient investing
• Life, disability and long-term care insurance
• Identity theft solutions
Asset Management
Translating personal goals into financial objectives.
• Asset allocation and risk analysis
• Portfolio construction and management
• Investment policy statement development
• Traditional and alternative investments
• Equity compensation plans
• Asset allocation and risk analysis
• Portfolio construction and management
• Investment policy statement development
• Traditional and alternative investments
• Equity compensation plans
Liability Management
Managing your liabilities as strategically as your assets.
• Access to lending solutions
• Debt restructuring
• Access to lending solutions
• Debt restructuring
Timely Resources
We strive to simplify complex financial ideas so that our clients understand what is being done on their behalf to plan for their financial future. We are firm believers in giving our clients as many resources as possible so they can stay informed about the latest market trends, outlooks, and breakdowns. The links below provide detailed analysis on interesting topics that are affecting the finance and business worlds.
GIC Monthly: On The Markets
A monthly publication that summarizes the Global Investment Committee’s market outlook and contains thought-provoking essays that examine the forces shaping the investment landscape. Check out the latest edition below.
Learn More
Asset Class Returns
The latest Wealth Management perspectives on investment returns by asset class. The article below gives data on the returns on certain asset classes and highlights why diversified portfolios can help manage risk.
Learn More
2025 Tax Tables
To better assist you with this year's tax filing, please find below the 2025 Tax Tables for your reference.
Learn More
How AI Could Usher in a New Era of Productivity
In a prolonged tight labor market, U.S. companies will rely more on technology to boost efficiency and lower costs.
Learn More
Equity Market Commentary
Andrew Slimmon, our Head of Applied Equity Advisors Team, offers commentary on the equity market as it relates to investors in our mutual funds or SMAs.
Learn More
Personal Cybersecurity
Whether it’s strengthening your passwords or treating emails from unknown senders with more caution, you can take a number of steps to reduce the threat of identity theft, online scams, malware, fraud and more.
Learn MoreARE YOU PREPARED?
You may have spent years carefully working and planning so that you have sufficient income for a comfortable retirement. These resources can help you make the most of it and prepare for the unexpected.
Roth Conversion FAQs
By converting from a Traditional to a Roth IRA, you have taken a step that will potentially provide you with tax-free income for your retirement and/or a tax-free inheritance for your heirs. However, there are significant differences in how these accounts are treated. Review this document to understand your new opportunities and limitations:
What do I Need to Know?
IRA Rollover Guide
The decision to rollover your retirement assets from a retirement plan or an IRA is one of the important financial decisions you will make. Your retirement assets may represent a substantial source of your future retirement income and there are many factors to consider.
Thinking of Rolling over Your Retirement Plan Account?
When to Claim Social Security: Your Guide
Deciding when to claim Social Security can have a significant effect on your retirement income. Learn how to help maximize your benefits.
When Should You Take Social Security?
Required Minimum Distribution Strategies
Discover how planning for required minimum distributions from retirement accounts can help you fund future needs and support loved ones.
Learn More
Healthcare Costs in Retirement: Plan Ahead
Health care costs are rising—especially for retirees, and some may need long-term care. Prepare with these moves.
Planning to Fund Long-Term Care Expenses
Understanding Traditional and Roth IRAs
2025 contribution limits and distribution rules for Traditional and Roth IRAs.
Learn MoreLocation
14805 N Outer Forty Rd
Ste 200
Chesterfield, MO 63017
US
Direct:
(636) 733-7659(636) 733-7659
Toll-Free:
(800) 966-4407(800) 966-4407
Meet The St. Charles Group
Craig A Raymond, CIMA®
Senior Vice President, Wealth Management, Financial Advisor, Insurance Planning Director, Certified Investment Management Analyst
Phone:
(636) 733-7618(636) 733-7618
Harvey J Ziegler, CFP®
Senior Vice President, Wealth Management, Financial Advisor
Phone:
(314) 889-4888(314) 889-4888
Chana Bregman, CFP®
Financial Advisor
Phone:
(636) 733-7631(636) 733-7631
Diane M. Rademacher
Vice President, Wealth Management Associate
Phone:
(636) 733-7626(636) 733-7626
Deana R. Prewitt
Portfolio Associate
Phone:
(636) 733-7627(636) 733-7627
About Timothy R Young
A results-driven Financial Advisor, Tim has been a member of the Morgan Stanley family since 1991. With more than 32 years of industry experience, his disciplined process begins with asking the right questions and actively listening. He is recognized for delivering personal warmth and care with a strategic approach to investing to help families and business owners nurture and protect their wealth, so they may pass it on to future generations. His practice includes highly successful individuals, multi-generational families, business leaders, as well as foundations and endowments.
After attending high school at St. John Vianney in Kirkwood, Tim continued his studies, graduating from Princeton University in 1991.He is a member of Incarnate Word Catholic Church in Chesterfield. A native of St. Louis, Tim and his four children, Dominic, Bella, Vincent and Anthony, currently live in Town and Country, MO. Outside of work and family, Tim enjoys all types of fitness, including mountain biking, running and playing soccer.
After attending high school at St. John Vianney in Kirkwood, Tim continued his studies, graduating from Princeton University in 1991.He is a member of Incarnate Word Catholic Church in Chesterfield. A native of St. Louis, Tim and his four children, Dominic, Bella, Vincent and Anthony, currently live in Town and Country, MO. Outside of work and family, Tim enjoys all types of fitness, including mountain biking, running and playing soccer.
Securities Agent: MI, OK, SD, VA, WI, WA, UT, TX, TN, SC, PA, OR, OH, NY, NJ, NE, NC, MO, MN, KS, MD, MA, KY, IN, IL, ID, IA, HI, GA, FL, CO, CA, AZ, AR; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1301121
CA Insurance License #: 0D34635
NMLS#: 1301121
CA Insurance License #: 0D34635
About Craig A Raymond
Craig is a Certified Investment Management Analyst and founding partner of The St. Charles Group at Morgan Stanley established in 2005. Craig is a seasoned professional with more than 30 years of investment management experience. With that experience he oversees the group’s investment strategies, as well as the evaluation and monitoring of third-party investment managers. Craig takes a personal approach to understanding his client’s lives, values, the people and things they care about most and he works with them to create a custom financial plan. As a valued resource, Craig assists his clients to protect and build their wealth and strengthen their family’s financial security.
Craig is a 1988 graduate of the U.S. Military Academy at West Point, where he earned his B.S. degree. Following his active military service, he joined PaineWebber as an Investment Executive. Three years later, he joined Morgan Stanley and has been with the firm over 25 years. Craig earned his Certified Investment Management Analyst (CIMA®) designation from the Wharton School at the University of Pennsylvania in 2000 and was named a Portfolio Management Director at Morgan Stanley in 2014 and Insurance Planning Director in 2020.
Craig currently resides in Ellisville, Missouri with his wife Suzanne and they have two children. Craig and his family are members of St. Alban Roe Catholic Church. An avid football fan, Craig also enjoys golf and family activities in his leisure time.
NMLS # 1297740
Craig is a 1988 graduate of the U.S. Military Academy at West Point, where he earned his B.S. degree. Following his active military service, he joined PaineWebber as an Investment Executive. Three years later, he joined Morgan Stanley and has been with the firm over 25 years. Craig earned his Certified Investment Management Analyst (CIMA®) designation from the Wharton School at the University of Pennsylvania in 2000 and was named a Portfolio Management Director at Morgan Stanley in 2014 and Insurance Planning Director in 2020.
Craig currently resides in Ellisville, Missouri with his wife Suzanne and they have two children. Craig and his family are members of St. Alban Roe Catholic Church. An avid football fan, Craig also enjoys golf and family activities in his leisure time.
NMLS # 1297740
Securities Agent: ID, NE, OK, MT, WI, IL, AR, OR, CA, AZ, VA, TX, GA, KY, KS, IN, FL, NJ, MN, MD, MA, MI, CO, UT, TN, PA, OH, MO, HI, NC, IA, CT, WA, SD, NY; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1297740
CA Insurance License #: 0H93899
NMLS#: 1297740
CA Insurance License #: 0H93899
About Harvey J Ziegler
After spending over 25 years with Hewlett-Packard in Fullerton, CA and St. Louis, MO, Harvey decided to take an early retirement offer from HP and make a career change. He recognized the value in his knowledge of HP’s corporate retirement plans and processes as something that a significant number of Fortune 500 company employees could benefit from. Harvey joined Smith Barney (now Morgan Stanley) in 2006 as a new financial advisor. During the brief period between these careers, Harvey completed the course work and successfully passed the examinations for the CERTIFIED FINANCIAL PLANNER™ designation.
Since then, Harvey has built a successful practice with a focus on financial planning for individuals and families preparing for or managing their assets during retirement. He offers sound and experienced financial advice to help you through the process of retirement by developing a comprehensive plan to define your goals and answer, "Do I have enough to retire?" Harvey is a dedicated advisor, committed to achieving your financial goals before and after retirement to reduce your financial stress and uncertainty.
Prior to joining the business space, Harvey attended high school in Bellevue, OH before attending Case Western Reserve University to receive his Bachelor of Science Degree in Electrical Engineering. The Air Force ROTC program helped pay for his college expenses so Harvey became a new 2nd Lieutenant in the US Air Force upon graduating from CWRU. He spent nine years in the Air Force as a communications-electronics engineer with assignments in Kansas City, MO, Inoges, Spain, and Kaiserslautern, Germany. After leaving the Air Force he completed an MBA at the University of Utah in Salt Lake City, before joining Hewlett-Packard.
Harvey and his wife Mimi, have 5 children and 10 grandchildren and reside in Wildwood, MO, a suburb of St. Louis. Helping with grandchildren requires a major part of their time, but they enjoy travel and supporting Woodlawn Chapel Presbyterian Church
Since then, Harvey has built a successful practice with a focus on financial planning for individuals and families preparing for or managing their assets during retirement. He offers sound and experienced financial advice to help you through the process of retirement by developing a comprehensive plan to define your goals and answer, "Do I have enough to retire?" Harvey is a dedicated advisor, committed to achieving your financial goals before and after retirement to reduce your financial stress and uncertainty.
Prior to joining the business space, Harvey attended high school in Bellevue, OH before attending Case Western Reserve University to receive his Bachelor of Science Degree in Electrical Engineering. The Air Force ROTC program helped pay for his college expenses so Harvey became a new 2nd Lieutenant in the US Air Force upon graduating from CWRU. He spent nine years in the Air Force as a communications-electronics engineer with assignments in Kansas City, MO, Inoges, Spain, and Kaiserslautern, Germany. After leaving the Air Force he completed an MBA at the University of Utah in Salt Lake City, before joining Hewlett-Packard.
Harvey and his wife Mimi, have 5 children and 10 grandchildren and reside in Wildwood, MO, a suburb of St. Louis. Helping with grandchildren requires a major part of their time, but they enjoy travel and supporting Woodlawn Chapel Presbyterian Church
Securities Agent: NE, VA, OH, MI, IA, WI, WA, UT, TX, TN, SD, PA, OR, OK, NY, NJ, NH, NC, MO, MN, MD, MA, KY, KS, IN, IL, ID, HI, GA, FL, CO, CA, AZ, AR; General Securities Representative; Investment Advisor Representative
NMLS#: 1383233
CA Insurance License #: 0M36733
NMLS#: 1383233
CA Insurance License #: 0M36733
About Chana Bregman
Both a dedicated Financial Advisor and teacher, Chana has spent most of her life listening, learning, and offering guidance. After 10 years of teaching in New York and St. Louis, she began working on financial plans with Morgan Stanley clients. Her passion for the work emerged organically and she joined the St. Charles Group. Chana prides herself on fulfilling the needs of her clients, even the ones they may not have initially known about themselves. Her guidance is based on a thorough goal setting process that offers clients help to increase their comfort level / confidence around investments.
Chana grew up in Queens, NY and remained nearby to complete her education. She earned a BS in Liberal Arts from Excelsior University and two Master's degrees: a Master's in Education & Special Ed. from Daemen University and a Master's in School Building Leadership from St. John's University. Next, Chana began her career in teaching and moved to St. Louis in 2016.
Chana and her husband have six children. In her free time, she spends time with her family, sits on the board of her synagogue, and, like the lifelong learner she is, reads whenever she can.
Chana grew up in Queens, NY and remained nearby to complete her education. She earned a BS in Liberal Arts from Excelsior University and two Master's degrees: a Master's in Education & Special Ed. from Daemen University and a Master's in School Building Leadership from St. John's University. Next, Chana began her career in teaching and moved to St. Louis in 2016.
Chana and her husband have six children. In her free time, she spends time with her family, sits on the board of her synagogue, and, like the lifelong learner she is, reads whenever she can.
Securities Agent: NE, OR, SC, CA, IL, CO, IN, FL, GA, PA, TN, TX, UT, OH, ID, KS, NY, IA, MA, ME, MN, MI, NC, MT, NJ, HI, AZ, WI, WA, VA, SD, OK, NH, MO, MD, LA, KY, CT, AR; General Securities Representative; Investment Advisor Representative
NMLS#: 1911098
CA Insurance License #: 4225862
NMLS#: 1911098
CA Insurance License #: 4225862
About Diane M. Rademacher
Diane has been serving financially successful individuals and families for more than 40 years. She is committed to providing each client with caring and personalized attention. Her many responsibilities include the coordination of the teams day-to-day operations, as well as all aspects of the client experience. Diane is focused on understanding the various challenges of managing wealth, so she is prepared to assist clients effectively as new circumstances arise.
Diane began her career with the Morgan Stanley family in 1994. From 1998 until 2005, she served as a Client Service Associate and Technical Analyst for The St. Charles Group, before taking on the responsibility of Vice President and Complex Service Manager for Morgan Stanley's St. Louis Complex, where she supervised and coordinated the operational, training, compliance, service and facilities needs of the firms St. Louis complex. She returned to the St. Charles Group in 2013 for the opportunity to work more directly with clients as the Group’s Wealth Management Associate.
Diane and her husband, Bill, currently live in Eureka. In her free time, Diane enjoys visiting with family including their two daughters: Mary in the Seattle area and Hannah in St. Louis.
Diane began her career with the Morgan Stanley family in 1994. From 1998 until 2005, she served as a Client Service Associate and Technical Analyst for The St. Charles Group, before taking on the responsibility of Vice President and Complex Service Manager for Morgan Stanley's St. Louis Complex, where she supervised and coordinated the operational, training, compliance, service and facilities needs of the firms St. Louis complex. She returned to the St. Charles Group in 2013 for the opportunity to work more directly with clients as the Group’s Wealth Management Associate.
Diane and her husband, Bill, currently live in Eureka. In her free time, Diane enjoys visiting with family including their two daughters: Mary in the Seattle area and Hannah in St. Louis.
About Deana R. Prewitt
Drawing on over 25 years of industry experience, Deana is often the first line of contact on a broad array of client-specific services. Highly adept at answering client questions quickly and efficiently, Deana is passionate about providing excellent service. She not only knows how to meet each clients specific needs, she knows how to anticipate them as well. Her patience and industry knowledge help provide clients with confidence and clarity.
Upon graduating from Southern Illinois University in 1995 with a degree in Business Administration, Deana began her career in financial services at Edward Jones. She joined Tim Young at Morgan Stanley two years later and has been a vital member of the team ever since. She currently holds the Series 7, 63 and 66 FINRA registrations, enabling her to process unsolicited trades in addition to handling a variety of requests for clients, including new account processing and portfolio maintenance.
Deana currently lives in Columbia, IL with her husband, John, and their two children, Evan and Paige. In her free time, she enjoys spending time with her family and friends, attending her children’s events, reading, and traveling.
Upon graduating from Southern Illinois University in 1995 with a degree in Business Administration, Deana began her career in financial services at Edward Jones. She joined Tim Young at Morgan Stanley two years later and has been a vital member of the team ever since. She currently holds the Series 7, 63 and 66 FINRA registrations, enabling her to process unsolicited trades in addition to handling a variety of requests for clients, including new account processing and portfolio maintenance.
Deana currently lives in Columbia, IL with her husband, John, and their two children, Evan and Paige. In her free time, she enjoys spending time with her family and friends, attending her children’s events, reading, and traveling.
Contact Timothy R Young
Contact Craig A Raymond
Contact Harvey J Ziegler
Contact Chana Bregman
Hear from Our Clients
Harvey Ziegler and the Morgan Stanley team have guided us for over 16 years assisting us with all aspects of our financial needs. Harvey's experience and personal service helped us to implement a plan we are confident in as we enter our retirement years. We look forward to our continued relationship with Harvey and the Morgan Stanley team.
Dan & Kathy
Verified ClientFebruary 24, 2025
We could not be more pleased with Harvey Ziegler and his team. He has been extremely responsive, professional, and proactive during both strong economic conditions as well as more difficult times. He clearly communicates objectives through our financial plan. Harvey has also reached out to our adult children to assist and guide them in their financial plans. We made the right decision moving our financial assets to Morgan Stanley and Harvey's team. We could not be more satisfied.
Mark
Verified ClientFebruary 25, 2025
Testimonial(s) solicited by Morgan Stanley and provided by current client(s) at the time of publication. No compensation of any kind was provided in exchange for the client testimonial(s) presented. Client testimonials may not be representative of the experience of other clients and are not a guarantee of future performance or success.
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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
Greg Cole
Private Banker
Sarah Ott, CFP®
Financial Planning Director, Vice President
About Greg Cole
Greg Cole is a Private Banker serving Morgan Stanley Wealth Management offices in Missouri.
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.
Greg began his career in financial services in 1999, and joined Morgan Stanley in 2011. Prior to joining the firm, he was a Regional Banking Consultant at Wells Fargo Advisors. Greg has also served as an Area Manager with JP Morgan Chase and was a Senior Mortgage Consultant in the Smith Barney division at CitiMortgage.
Greg is a graduate of Rockhurst University, where he received a Bachelor of Arts in Psychology. He and his family currently reside in O’Fallon, Missouri. Outside of the office, Greg enjoys spending time with his family and friends.
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.
Greg began his career in financial services in 1999, and joined Morgan Stanley in 2011. Prior to joining the firm, he was a Regional Banking Consultant at Wells Fargo Advisors. Greg has also served as an Area Manager with JP Morgan Chase and was a Senior Mortgage Consultant in the Smith Barney division at CitiMortgage.
Greg is a graduate of Rockhurst University, where he received a Bachelor of Arts in Psychology. He and his family currently reside in O’Fallon, Missouri. Outside of the office, Greg enjoys spending time with his family and friends.
NMLS#: 801927
About Sarah Ott
Sarah Ott, CFP® is a Vice President and Financial Planning Director serving Morgan Stanley’s Wealth
Management offices in the St. Louis area. She is responsible for helping Financial Advisors with their clients'
and prospects' financial planning needs.
Sarah began her career in Financial Services in 2014 and joined Morgan Stanley in 2022. Prior to
her current position, she was a Financial Advisor and Director of Financial Planning Operations at
Thrivent Financial.
Sarah graduated from Saint Louis University with a Bachelor of Science in Business Administration
and holds her Certified Financial Planner® designation. Outside of work, Sarah enjoys traveling with
her family, trying new restaurants, volunteering at her church, and attending concerts and sporting
events.
Morgan Stanley Smith Barney LLC 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 visit us at
http://www.morganstanleyindividual.com or consult with your Financial Advisor to understand these differences.
Management offices in the St. Louis area. She is responsible for helping Financial Advisors with their clients'
and prospects' financial planning needs.
Sarah began her career in Financial Services in 2014 and joined Morgan Stanley in 2022. Prior to
her current position, she was a Financial Advisor and Director of Financial Planning Operations at
Thrivent Financial.
Sarah graduated from Saint Louis University with a Bachelor of Science in Business Administration
and holds her Certified Financial Planner® designation. Outside of work, Sarah enjoys traveling with
her family, trying new restaurants, volunteering at her church, and attending concerts and sporting
events.
Morgan Stanley Smith Barney LLC 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 visit us at
http://www.morganstanleyindividual.com or consult with your Financial Advisor to understand these differences.
Wealth Management
Global Investment Office
Portfolio Insights
Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
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Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
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Financial Planning for Life After Selling a Business
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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.
2Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
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 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
5Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
6Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
7Morgan 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.
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 always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
1Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
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 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
5Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
6Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
7Morgan 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.
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 always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
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.
Testimonial(s) solicited by Morgan Stanley and provided by current client(s) at the time of publication. No compensation of any kind was provided in exchange for the client testimonial(s) presented. Client testimonials may not be representative of the experience of other clients and are not a guarantee of future performance or success.
Awards Disclosures
CRC 6491812 (04/2024)
