Senior Vice President, Wealth Management, Wealth Advisor, Senior Investment Management Consultant, Workplace Advisor - Equity Compensation
Phone:
(317) 263-8722(317) 263-8722
The Stapleton Fox Baltera Group at Morgan Stanley
Direct:
(317) 263-8723(317) 263-8723
Toll-Free:
(800) 624-2545(800) 624-2545
Our Mission Statement
The increasing complexity of every aspect of family wealth management magnifies the need for quality advice. Let our dedicated team develop a blueprint for you that addresses investments, executive compensation, cash management & lending, wealth transfer, insurance, tax management strategies, philanthropy & more.
Strategies to Help Preserve and Grow Wealth
We work best with clients that have goals to achieve and know they need help getting there. We have worked hard to build a team of specialists with deep experience across the various aspects of wealth management. Our goal is to help you simplify and organize your finances, to protect and grow your wealth, and achieve your life's financial goals.
We listen carefully in order to gain an understanding of your goals, objectives, fears, concerns, challenges, priorities, time horizons and risk tolerance. Only then are we prepared to begin to develop a blueprint for your comprehensive financial plan with the strategies and options for to protect and grow your wealth.
The financial advisors on the team have a combined 70+ years of experience. We also have five talented specialists on our team: a Private Banker to address your cash management and lending needs, a Trust Services Specialists, a Financial Planning Specialists, an Equity Compensation Planning Specialist, and a Wealth and Estate Planning Specialist. The power of these partnerships allows our team to deliver on the promise of comprehensive wealth management for you and your family, whether you are a business owner, an executive, or a practitioner of a profession. Scroll down the page to meet them and read their bios.
Finally, our firm Morgan Stanley is a global powerhouse that empowers us with unparalleled resources and capabilities to serve you. Our open-architecture investment platform includes institutional-quality investment managers, alternative investments, and exclusive private co-investment opportunities for qualifying clients. We utilize active tax-management and direct-indexing to enhance your after-tax returns, The firm's size and scale allow it to continuously invest back into our Wealth Management business, permitting us to maintain our industry leading capabilities.
Life is complicated and our secure digital experience makes it easy to keep track of everything, and to access and manage your money 24/7, from your desktop, tablet, or phone. We would welcome the opportunity to discuss how we might serve you and your family. Please contact us today for a no cost, no obligation interview!
Forbes Best-In-State Wealth Management Teams, 2025
Source: Forbes (Awarded Jan 2025) Data compiled by SHOOK Research LLC based for the period 3/31/23-3/31/24.
Services Include
- Wealth ManagementFootnote1
- Financial PlanningFootnote2
- Retirement PlanningFootnote3
- 401(k) Rollovers
- Estate Planning StrategiesFootnote4
- Corporate Retirement PlansFootnote5
- Business Succession PlanningFootnote6
- Business PlanningFootnote7
- Cash ManagementFootnote8
- Lending Products
- Qualified Retirement PlansFootnote9
- Trust Services*
- Philanthropic Services
- Endowments and FoundationsFootnote10
- Alternative InvestmentsFootnote11
- Asset Management
- Corporate Trust Services
- Life InsuranceFootnote12
- Sustainable InvestingFootnote13
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Investment Consulting Services for Institutional Investors
Institutions can align their faith with their finances, while potentially achieving market-rate returns.
For centuries, faith-based institutions have carefully integrated important religious tenets into the management of their financial assets. To achieve this goal in today’s complex world requires a consultant who has developed skills and collaborative processes to guide you and your investment committee on a journey of exploration and goal-setting. Morgan Stanley is a leader in faith-based investing, helping our clients build investment policies and programs that reflect their unique values and faith-oriented considerations including restriction screening, sustainable and impact investing as well as more proactive thematic exposure. Over time, we have built an intentional approach to understanding the unique financial and missional goals of your organization. Such a process must be supported by consulting professionals who will take the time to listen and have experience in building client-focused investment solutions that seek to generate both competitive financial returns, while also creating positive impact to support and amplify the mission of the organization. We recognize that there is no “one size fits all” approach to faith-based investing: that each client is unique. Our dynamic approach enables us to examine all pools of capital and help provide the critical insights necessary to align your mission with your investment portfolio and generate positive impact. We also have the resources to measure results beyond financial performance, specifically how your investments are aligned with your unique set of impact objectives and making a real difference in the world.
Morgan Stanley Consulting Group combines the resources, scale and oversight of a leading, global financial services firm with the independence, objectivity and service capabilities of a boutique consulting firm. This powerful combination provides measurable benefits for the institutional clients we serve, including: foundations, endowments, non-profit organization assets, retirement accounts, pensions and 401(k) & 403(b) plans. We would welcome your call today to discuss how we might serve your organization.
Disclosures:
Portfolios using Environmental, Social and Governance (“ESG”) criteria, also known as sustainable or impact investing, may perform differently than those without such considerations. ESG focused investments may face market limitations, and there is no guarantee they will achieve better financial or sustainability outcomes.
For centuries, faith-based institutions have carefully integrated important religious tenets into the management of their financial assets. To achieve this goal in today’s complex world requires a consultant who has developed skills and collaborative processes to guide you and your investment committee on a journey of exploration and goal-setting. Morgan Stanley is a leader in faith-based investing, helping our clients build investment policies and programs that reflect their unique values and faith-oriented considerations including restriction screening, sustainable and impact investing as well as more proactive thematic exposure. Over time, we have built an intentional approach to understanding the unique financial and missional goals of your organization. Such a process must be supported by consulting professionals who will take the time to listen and have experience in building client-focused investment solutions that seek to generate both competitive financial returns, while also creating positive impact to support and amplify the mission of the organization. We recognize that there is no “one size fits all” approach to faith-based investing: that each client is unique. Our dynamic approach enables us to examine all pools of capital and help provide the critical insights necessary to align your mission with your investment portfolio and generate positive impact. We also have the resources to measure results beyond financial performance, specifically how your investments are aligned with your unique set of impact objectives and making a real difference in the world.
Morgan Stanley Consulting Group combines the resources, scale and oversight of a leading, global financial services firm with the independence, objectivity and service capabilities of a boutique consulting firm. This powerful combination provides measurable benefits for the institutional clients we serve, including: foundations, endowments, non-profit organization assets, retirement accounts, pensions and 401(k) & 403(b) plans. We would welcome your call today to discuss how we might serve your organization.
Disclosures:
Portfolios using Environmental, Social and Governance (“ESG”) criteria, also known as sustainable or impact investing, may perform differently than those without such considerations. ESG focused investments may face market limitations, and there is no guarantee they will achieve better financial or sustainability outcomes.
Catholic Values: Maximizing the Connection Between Faith and Investing
The USCCB Socially Responsible Investing (SRI) Guidelines were recently updated in November 2021, the first update since 2003. Attached is an overview of the updated guidelines prepared by Morgan Stanley entitled, “Catholic Values Investing”.
View whitepaper.Private Banking
Private banking at Morgan Stanley is a comprehensive wealth management service designed to meet the financial need of clients. Private banking is designed to help clients grow and preserve their wealth over the long term. Below are some resources that can help you develop strategies to assist your financial needs. We have provided links to these materials and hope you will return often to learn more about the topics that impact your overall wealth.
Liquidity Access Line
Morgan Stanley's Liquidity Access Line (LAL) is a flexible financing solution that allows clients to access the value of their investment portfolios without the need to sell securities or other assets. The LAL offers clients a revolving line of credit, which can be used for a variety of purposes, including personal and business expenses, real estate purchases, or investment opportunities.
Learn More About LAL Here
Ultra-High Net Worth
As an Ultra-High Net Worth (UHNW) client, you may be eligible for customized lending solutions. UHNW clients can experience flexible, convenient and cost-effective borrowing options.
Learn More About UHNW Lending Solutions Here
CashPlus
CashPlus is a tool that allows you to have a modern alternative to banking. With CashPlus feel free to access your cash anytime and anywhere. It is an easy way to manage your account online.
Morgan Stanley Amex Cards
Morgan Stanley offers a range of American Express (Amex) cards to its clients, providing a variety of benefits and rewards. These cards are designed to meet the needs of Morgan Stanley clients, offering features such as cash back, travel rewards, and premium perks. With a variety of options to choose from, clients can select the card that best fits their needs and preferences.
Home Loans
Morgan Stanley, a leading financial services firm, provides home loans to customers looking to purchase a home or refinance a home. Experience the range of options that are available to you.
Learn More About Home Loans Here
Cash Management and Lending Brochure
At Morgan Stanley, we recognize that clients and their families have unique needs that require dedicated expertise and capabilities. Our cash management and lending solutions are designed to meet these unique needs.
Learn More HereEXECUTIVE COMPENSATION
Equity compensation can be one of the most valuable benefits offered by your company, but it’s important to understand how they work—and how they’re taxed. For example, one type of equity award may trigger certain federal taxes depending on the circumstances—federal ordinary income tax, the alternative minimum tax, and federal short- or long-term capital gains tax. Here’s what you need to know:
Executive Compensation Overview
Executives today are increasingly compensated with stock or stock options. A benefit of receiving stock or options is that they allow the employee to share in the growth of the company without making a current investment (by purchasing stock or exercising options). However, exercising stock options presents a number of difficult and sometimes divergent choices.
Read more
Concentrated Stock
If you have a concentrated stock position from an inheritance, employment stock grants or through building a position over time, you may want to seek to protect yourself against market declines by diversifying your holdings.
Read More
Incentive Stock Option (ISO) Basics
A stock option is not the same as a share of common stock. A stock option is a right to buy a set number of shares of the company’s common stock at a set price (the “exercise price”).
Read More
Non-qualified Stock Option (NSO) Basics
For tax purposes, employee stock options are classified as either Incentive Stock Options (ISOs) or Non-qualified Stock Options (NSOs). The primary difference between the two lies in their tax treatment.
Read More
Managing a Concentrated Stock Position
Ultra-high net worth individuals often end up holding large amounts of their wealth in the common shares of a single company. Whether acquired through equity-based compensation, inheritances or other avenues, these concentrated stock positions will often have generated a great deal of wealth for these investors. However, concentrated positions can also pose significant risks.
Read More
Jeff Holzbach - Equity Planner
Jeff Holzbach is a Vice President and Senior Equity Planner with Morgan Stanley at Work. He has 25 years of experience in equity and financial planning helping families understand and manage their equity awards. Jeff is a Certified Financial Planner and Certified Equity Professional.
Employer Stock Distributions and Net Unrealized Appreciation
If you hold employer stock in your 401(k) or
other employer-sponsored retirement plan, you
will need to make some important decisions
about the handling of this stock prior to changing
jobs or retiring.
Read Moreother employer-sponsored retirement plan, you
will need to make some important decisions
about the handling of this stock prior to changing
jobs or retiring.
Location
111 Monument Circle
Suite 3100
Indianapolis, IN 46204
US
Direct:
(317) 263-8723(317) 263-8723
Toll-Free:
(800) 624-2545(800) 624-2545
Fax:
(317) 263-8730(317) 263-8730
800 East 96th Street
400
Indianapolis, IN 46240
US
Direct:
(317) 818-7323(317) 818-7323
Meet The Stapleton Fox Baltera Group
Senior Vice President, Wealth Management, Financial Advisor, Senior Investment Management Consultant, Alternative Investments Director, Workplace Advisor - Equity Compensation
Samantha S. Davis
Client Service Associate
Phone:
(317) 263-8732(317) 263-8732
About Steven B. Stapleton
Senior Vice President, Family Wealth Advisor with 37+ years financial services industry experience, all with Morgan Stanley
CIMA®, Certified Investment Management Analyst; CFP®, Certified Financial Planner practitioner
Senior Investment Management Consultant
Workplace Advisor – Equity Compensation
Wharton Executive Education, University of Pennsylvania
MBA, Bellarmine University
BS in Economics, with Honors, University of Kentucky, Beta Gamma Sigma
Community Service:
Catholic Community Foundation Board of Trustees (past president) and Investment Committee
The Children’s Museum of Indianapolis , Planned Giving Council
Ball State University Foundation, Professional Advisors Committee
Catholic Charities Indianapolis Board (Agency Council)
Married 39+ years to his wife Jo Ann and blessed with three children
Forbes Best-In-State Wealth Management Teams, 2025
Source: Forbes.com (January 2025) Forbes Best-In-State Wealth Management Teams ranking awarded in 2025. This ranking was determined based on an evaluation process conducted by SHOOK Research LLC (the research company) in partnership with Forbes (the publisher) during the period from 3/31/23 – 3/31/24.
CIMA®, Certified Investment Management Analyst; CFP®, Certified Financial Planner practitioner
Senior Investment Management Consultant
Workplace Advisor – Equity Compensation
Wharton Executive Education, University of Pennsylvania
MBA, Bellarmine University
BS in Economics, with Honors, University of Kentucky, Beta Gamma Sigma
Community Service:
Catholic Community Foundation Board of Trustees (past president) and Investment Committee
The Children’s Museum of Indianapolis , Planned Giving Council
Ball State University Foundation, Professional Advisors Committee
Catholic Charities Indianapolis Board (Agency Council)
Married 39+ years to his wife Jo Ann and blessed with three children
Forbes Best-In-State Wealth Management Teams, 2025
Source: Forbes.com (January 2025) Forbes Best-In-State Wealth Management Teams ranking awarded in 2025. This ranking was determined based on an evaluation process conducted by SHOOK Research LLC (the research company) in partnership with Forbes (the publisher) during the period from 3/31/23 – 3/31/24.
Securities Agent: DC, AK, NV, AL, MI, WI, OH, NE, IL, UT, ME, IA, HI, VA, OR, NC, CA, TX, TN, OK, NH, ND, LA, IN, SC, PR, PA, NY, MN, MA, MD, FL, AZ, WA, CO, MS, MO, KY, GA; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 1279167
NMLS#: 1279167
About C Matthew Fox
Senior Vice President, Alternative Investment Director, Senior Investment Management Consultant and Financial Advisor with 28 years of financial services industry experience, all with Morgan Stanley
CIMA®, Certified Investment Management Analyst, CFP®, Certified Financial Planner practitioner, Workplace Advisor – Equity Compensation
Forbes Best-In-State Wealth Management Teams, 2025
BA Economics, 1991, DePauw University
Wharton Executive Education, University of Pennsylvania, 2009
Community Service:
2009-2020 Hearts and Hands of Indiana, Board Member
2005-Present Indiana Council on World Affairs (Past President)
2000 Rotary International Group Study Exchange to India
1995-Present Phi Kappa Psi Home Association (Past President)
Married to wife Natalie and blessed with three children
Source: Forbes.com (January 2025) Forbes Best-In-State Wealth Management Teams ranking awarded in 2025. This ranking was determined based on an evaluation process conducted by SHOOK Research LLC (the research company) in partnership with Forbes (the publisher) during the period from 3/31/23 – 3/31/24.
CIMA®, Certified Investment Management Analyst, CFP®, Certified Financial Planner practitioner, Workplace Advisor – Equity Compensation
Forbes Best-In-State Wealth Management Teams, 2025
BA Economics, 1991, DePauw University
Wharton Executive Education, University of Pennsylvania, 2009
Community Service:
2009-2020 Hearts and Hands of Indiana, Board Member
2005-Present Indiana Council on World Affairs (Past President)
2000 Rotary International Group Study Exchange to India
1995-Present Phi Kappa Psi Home Association (Past President)
Married to wife Natalie and blessed with three children
Source: Forbes.com (January 2025) Forbes Best-In-State Wealth Management Teams ranking awarded in 2025. This ranking was determined based on an evaluation process conducted by SHOOK Research LLC (the research company) in partnership with Forbes (the publisher) during the period from 3/31/23 – 3/31/24.
Securities Agent: LA, PR, VA, OR, OK, ME, IL, WI, TN, NH, MN, KY, IA, TX, NC, MD, IN, DC, NY, NM, ND, CA, MO, KS, AK, WV, WA, UT, FL, AZ, PA, OH, MS, MI, HI, CT, MA, GA, CO, AL, SC, NV; BM/Supervisor; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1316511
CA Insurance License #: OG16163
NMLS#: 1316511
CA Insurance License #: OG16163
About Matthew J. Baltera
Matt is a Financial Advisor with Morgan Stanley, in the firm’s Indianapolis, Indiana office. Matt believes the cornerstone of a successful client/advisor relationship is the mutual trust and respect that develops over time, and he is deeply committed to helping his clients realize their long-term financial goals. Matt prides himself on providing a comprehensive, tailored approach to wealth management and focuses in providing investment strategies, business exit planning, and estate planning strategies to business owners, corporate executives, and their families.
Matt employs the vast resources of Morgan Stanley, one of the largest financial services firms in the world, to bring the right expertise and tailored financial solutions designed to meet his clients’ specific needs. He works diligently to meet his clients’ expectations with exceptional customer service and the intention of being their trusted wealth advisor for life. Since joining Morgan Stanley, Matt has obtained the Workplace Advisor – Equity Compensation Designation.
Prior to joining Morgan Stanley in 2023, Matt spent 7 years as a Financial Advisor at Merrill Lynch and Raymond James. He received degrees in Finance and Accounting from Indiana University – Kelley School of Business in Bloomington.
Residing in Carmel, Matt is an alumni of Brebeuf Jesuit High School and Sigma Chi Fraternity. In his free time, Matt serves on the Catholic Charities of Indianapolis Development committee and enjoys to golf and fish.
Forbes Best-In-State Wealth Management Teams, 2025
Source: Forbes.com (January 2025) Forbes Best-In-State Wealth Management Teams ranking awarded in 2025. This ranking was determined based on an evaluation process conducted by SHOOK Research LLC (the research company) in partnership with Forbes (the publisher) during the period from 3/31/23 – 3/31/24.
Matt employs the vast resources of Morgan Stanley, one of the largest financial services firms in the world, to bring the right expertise and tailored financial solutions designed to meet his clients’ specific needs. He works diligently to meet his clients’ expectations with exceptional customer service and the intention of being their trusted wealth advisor for life. Since joining Morgan Stanley, Matt has obtained the Workplace Advisor – Equity Compensation Designation.
Prior to joining Morgan Stanley in 2023, Matt spent 7 years as a Financial Advisor at Merrill Lynch and Raymond James. He received degrees in Finance and Accounting from Indiana University – Kelley School of Business in Bloomington.
Residing in Carmel, Matt is an alumni of Brebeuf Jesuit High School and Sigma Chi Fraternity. In his free time, Matt serves on the Catholic Charities of Indianapolis Development committee and enjoys to golf and fish.
Forbes Best-In-State Wealth Management Teams, 2025
Source: Forbes.com (January 2025) Forbes Best-In-State Wealth Management Teams ranking awarded in 2025. This ranking was determined based on an evaluation process conducted by SHOOK Research LLC (the research company) in partnership with Forbes (the publisher) during the period from 3/31/23 – 3/31/24.
Securities Agent: ND, LA, FL, WA, MO, MD, CA, NY, NV, MN, KY, HI, CO, AZ, PA, GA, AL, AK, WI, SC, OK, OH, DC, UT, TN, IN, PR, NC, MI, ME, VA, TX, OR, NH, NE, MS, MA, IL, IA; General Securities Representative; Investment Advisor Representative
NMLS#: 1599781
NMLS#: 1599781
Contact Steven B. Stapleton
Contact C Matthew Fox
Contact Matthew J. Baltera
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
Kimberly Guidone
Private Banker
Mamta Shah
Trust Specialist
Lynn King
Family Office Resources Generalist
Carlos Cruz
Planning Associate
About Kimberly Guidone
Kimberly is a Private Banker serving Morgan Stanley Wealth Management offices in Indiana.
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.
Kimberly began her career in financial services in 1996 and joined Morgan Stanley in 2016. Prior to joining the firm, she was a Wealth Management Banker at Merrill Lynch. She also served as an Investment Relationship Manager with Key Investment Services and a Financial Advisor at Thrivent Financial.
Kimberly is a graduate of Wright State University where she received a Bachelor of Arts degree in Psychology. Outside of the office, Kimberly spends time with her family enjoying hiking, camping, and other outdoor activities.
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.
Kimberly began her career in financial services in 1996 and joined Morgan Stanley in 2016. Prior to joining the firm, she was a Wealth Management Banker at Merrill Lynch. She also served as an Investment Relationship Manager with Key Investment Services and a Financial Advisor at Thrivent Financial.
Kimberly is a graduate of Wright State University where she received a Bachelor of Arts degree in Psychology. Outside of the office, Kimberly spends time with her family enjoying hiking, camping, and other outdoor activities.
NMLS#: 619678
About Mamta Shah
Mamta Shah is the Trust Specialist based in Chicago, covering the Midwest Region. Morgan Stanley provides a full array of personal and institutional trust services to high net worth clients of the firm. Mamta’s responsibilities include educating Financial Advisors and their clients on the open architecture trust service model and helping them identify opportunities to leverage the trust partners on the platform.
Before joining Trust Services in 2010, she was the Wealth Analyst with the Chicago based Wealth Planning Center at Morgan Stanley. Mamta was responsible for providing information and education on a full range of income and estate tax topics and concerns.
Prior to joining the Planning Center team in 2006, Mamta was Vice President of an Independent Investment Advisory Firm. She worked closely with the clients of the firm on a variety of financial planning and investment advisory services.
Mamta obtained her bachelor’s degree from Babson College with a major in Finance/Entrepreneurship. Mamta is a licensed CPA and holds a CFP® designation, She has been in the financial services industry since 1999. She is Series 7, 63, 65 and life/health insurance licensed. She is a member of the AICPA and the Illinois CPA Society. She lives in Chicago with her family.
Before joining Trust Services in 2010, she was the Wealth Analyst with the Chicago based Wealth Planning Center at Morgan Stanley. Mamta was responsible for providing information and education on a full range of income and estate tax topics and concerns.
Prior to joining the Planning Center team in 2006, Mamta was Vice President of an Independent Investment Advisory Firm. She worked closely with the clients of the firm on a variety of financial planning and investment advisory services.
Mamta obtained her bachelor’s degree from Babson College with a major in Finance/Entrepreneurship. Mamta is a licensed CPA and holds a CFP® designation, She has been in the financial services industry since 1999. She is Series 7, 63, 65 and life/health insurance licensed. She is a member of the AICPA and the Illinois CPA Society. She lives in Chicago with her family.
About Lynn King
Lynn R. King is a Family Office Resource Generalist for the Mid-America region. She has over 15 years of experience working with families, family offices, and their attorneys, CPAs and financial advisors on issues unique to the UHNW client. Lynn started her career as an attorney in Illinois working with closely held businesses across the country on a broad range of topics, including entity structuring, estate planning, business succession and tax. She then joined New York Life Insurance as a Corporate Vice President in their Advanced Planning Group. In this role she expanded on her experience from private practice and engaged with clients on complex business and personal planning needs.
Lynn joined Morgan Stanley in September of 2020. As the Family Office Resource Generalist, Lynn provides advice and strategies to UHNW families. To that end, she assists families with the creation of family mission statements. She also educates adults and children on how to be good stewards of generational wealth. She engages with resources in philanthropy, wealth and estate planning and trust management to ensure the UHNW clients of the Firm are able to accomplish their goals.
Lynn received her undergraduate degree in Finance and Political Science from the University of Illinois- Urbana-Champaign. She attended The John Marshall Law School in Chicago, Illinois where she obtained her Juris Doctorate (J.D.) and is licensed to practice law in Illinois. She also holds her Series 7 and 66.
Lynn joined Morgan Stanley in September of 2020. As the Family Office Resource Generalist, Lynn provides advice and strategies to UHNW families. To that end, she assists families with the creation of family mission statements. She also educates adults and children on how to be good stewards of generational wealth. She engages with resources in philanthropy, wealth and estate planning and trust management to ensure the UHNW clients of the Firm are able to accomplish their goals.
Lynn received her undergraduate degree in Finance and Political Science from the University of Illinois- Urbana-Champaign. She attended The John Marshall Law School in Chicago, Illinois where she obtained her Juris Doctorate (J.D.) and is licensed to practice law in Illinois. She also holds her Series 7 and 66.
About Carlos Cruz
Carlos Cruz is a Planning Associate at Morgan Stanley providing dedicated financial planning support to Financial Advisors and their teams. Operating as an extension of the FA/Team, he collaborates with clients to discover and define goals that matter most to them. Leveraging state of the art technology, he will evaluate various options and their potential outcomes to help clients confidently choose the appropriate course of action. Carlos provides expertise across a wide suite of Morgan Stanley planning tools designed to assist in the areas of investment accumulation, retirement, education, major purchase, cash flow, risk management, tax efficiency, and wealth transfer planning.
He earned his undergraduate degree from Florida International University and received the Financial Planning Specialist® designation from the College for Financial Planning. Carlos is originally from Miami, FL and currently resides in New York.
He earned his undergraduate degree from Florida International University and received the Financial Planning Specialist® designation from the College for Financial Planning. Carlos is originally from Miami, FL and currently resides in New York.
Wealth Management
From Our Team
Uncover 6 Ways to Reduce Your Tax Bill
Wealth Management
Global Investment Office
Portfolio Insights
Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Financial Planning for Life After Selling a Business
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Philanthropy
Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
- Foundations
- Donor Advised Funds
- Impact Investing
Donor Advised Funds: A Smart Way to Manage Your Giving
Article Image
Financial Wellness
Enhancing Financial Wellness enables your workforce to do their best work. Companies that invest in financial wellness have an opportunity to:
- Reduce employee stress,
- Improve retention and engagement, and
- Set themselves apart by offering comprehensive financial wellness benefits.
Ready to start a conversation? Contact The Stapleton Fox Baltera Group today.
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 Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
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 (“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.
5When 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.
6Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or 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 legal matters.
7Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or 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 legal matters.
8Morgan 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
9When 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.
10Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
11Alternative 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.
12Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
13The 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.
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 Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
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 (“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.
5When 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.
6Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or 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 legal matters.
7Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or 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 legal matters.
8Morgan 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
9When 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.
10Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
11Alternative 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.
12Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
13The 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.
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)
