J Patrick Stillwagon, CFP®, CIMA®
Managing Director, Wealth Management, Financial Advisor, Senior Investment Management Consultant, Alternative Investments Director
Phone:
(248) 723-1818(248) 723-1818
The Stillwagon Group at Morgan Stanley
Direct:
(248) 723-1818(248) 723-1818
Toll-Free:
(800) 677-6851(800) 677-6851
Industry Award WinnerOur Mission Statement
As a financial services group with an approach based on deep and comprehensive financial planning, we provide a range of traditional and alternative investment management options that are carefully customized to help meet the unique needs of our clients.
No One Works Harder for You
We’re committed to assembling the best possible team for you and your family, and following up with an exceptional level of service. Our team takes a very disciplined approach to planning and investment management because we know how hard you’ve worked to achieve your goals, and we want to show that same level of diligence as we help you move toward the future you’ve envisioned.
Our practice is supported in these efforts by the strength and resources of Morgan Stanley as a global leader in financial services.
Our practice is supported in these efforts by the strength and resources of Morgan Stanley as a global leader in financial services.
Services Include
- Financial PlanningFootnote1
- Estate Planning StrategiesFootnote2
- Philanthropic ManagementFootnote3
- Alternative InvestmentsFootnote4
- Retirement PlanningFootnote5
- Life InsuranceFootnote6
- Business PlanningFootnote7
- Business Succession PlanningFootnote8
- Executive Financial ServicesFootnote9
- Wealth ManagementFootnote10
- Professional Portfolio ManagementFootnote11
- Cash Management and Lending ProductsFootnote12
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Working With You
The Stillwagon Group brings together their unwavering commitment, focus and diligence to help produce a sound financial future our clients can call their own. You’ve achieved success in your life. We roll up our sleeves to help you achieve what’s next for your future.
1. Converse
We are focused on serving your needs, personal as well as financial, so you can potentially build a meaningful life for you and your family.
2. Design
We develop a financial framework that puts planning at the backbone of your strategy, in an effort to enable you to continue to build and maintain the legacy you envision.
3. Construct
With an eye on diversifying investments through alternative options, we construct a risk-adjusted portfolio for your objectives.
4. Review
We invest our time to build long-standing relationships with our clients so you understand your concerns are our own.
A Structured Approach to Planning
A strong financial plan starts with listening. We take a holistic approach to understand what matters most to you and translate your goals into a clear, actionable plan.
Together, we review your current financial picture and discuss key planning areas such as cash flow, investments and risk, retirement, education funding, tax-aware strategies, insurance, and estate planning considerations. As your life and the markets change, we revisit and refine your plan to help keep it aligned.
We follow a disciplined six-step process designed to help you create, implement and maintain a customized wealth management strategy based on your goals, priorities and financial circumstances—supported by ongoing collaboration
Together, we review your current financial picture and discuss key planning areas such as cash flow, investments and risk, retirement, education funding, tax-aware strategies, insurance, and estate planning considerations. As your life and the markets change, we revisit and refine your plan to help keep it aligned.
We follow a disciplined six-step process designed to help you create, implement and maintain a customized wealth management strategy based on your goals, priorities and financial circumstances—supported by ongoing collaboration
Discovery
We start by learning what matters most to you—your goals, time horizon, liquidity needs, risk considerations and family priorities. Where relevant, we also discuss topics like concentrated positions and equity compensation.
Tax and Estate Coordination
With your permission, we review your financial picture and planning documents and coordinate with your tax and legal advisors to help identify planning considerations that support your objectives.
Investment Strategy
Using what we learn, we develop an investment approach aligned with your goals and risk profile. Portfolios may incorporate a range of investment solutions, including third‑party and Morgan Stanley strategies, when appropriate.
Asset Allocation
We establish a long-term asset allocation framework based on your objectives, risk considerations, time horizon, cash-flow needs and tax considerations.
Portfolio Adjustments (as appropriate)
As markets change, we may evaluate measured adjustments within agreed guidelines, while considering factors such as taxes, transaction costs and alignment to your long-term strategy.
Ongoing Review
We monitor progress and review your strategy over time to reflect life events, market conditions and evolving priorities, coordinating with your other professionals when appropriate.
You Define Success. We Help You Plan for It.
Life rarely moves in a straight line. Your goals can evolve, priorities can compete and unexpected events can introduce new complexity. Our role is to help you clarify what matters most, bring structure to your decisions and coordinate a plan that aligns your wealth with your life.
Below are common planning needs clients raise—each with a few questions to consider and a suggested resource to explore. If any resonate, we can discuss what’s most relevant for you and your family.
Below are common planning needs clients raise—each with a few questions to consider and a suggested resource to explore. If any resonate, we can discuss what’s most relevant for you and your family.
Health Needs & Long‑Term Care
Planning for potential health events can help protect independence, family dynamics and long-term financial goals. We can help you evaluate trade-offs, identify funding approaches and coordinate with appropriate specialists as needed.
Common questions:
• How could long‑term care costs affect my spouse, my beneficiaries and my legacy plans?
• What options might help us plan for care without over-allocating assets to “worst case” scenarios?
Learn moreCommon questions:
• How could long‑term care costs affect my spouse, my beneficiaries and my legacy plans?
• What options might help us plan for care without over-allocating assets to “worst case” scenarios?
Charitable Giving
Charitable giving can be an extension of your values—while also requiring thoughtful planning around timing, tax considerations and impact. We can help you compare approaches to giving and align a philanthropic plan with your overall wealth strategy.
Common questions:
• How can I potentially maximize my support of the organizations I care about?
• Is there a way to create a more consistent giving plan over time?
Learn moreCommon questions:
• How can I potentially maximize my support of the organizations I care about?
• Is there a way to create a more consistent giving plan over time?
Retirement Planning
Retirement is less a date and more a transition—often shaped by lifestyle goals, family priorities and career decisions. We can help you stress-test assumptions and build a plan designed to adapt as life changes.
Common questions:
• Can my retirement plan reflect my lifestyle, family and career trajectory?
• How do I plan for market uncertainty, inflation and changing income needs?
Common questions:
• Can my retirement plan reflect my lifestyle, family and career trajectory?
• How do I plan for market uncertainty, inflation and changing income needs?
Estate Planning & Legacy
Estate planning is about clarity: who, what, when and how. While legal documents are prepared by your attorney, we can help you organize your goals, coordinate planning conversations and ensure your wealth strategy supports your legacy intentions.
Common questions:
• How do I help ensure my estate goes where I intend—people and organizations alike?
• How can I transform assets into a legacy across generations?
Estate planning questionnaireCommon questions:
• How do I help ensure my estate goes where I intend—people and organizations alike?
• How can I transform assets into a legacy across generations?
Travel Goals & Lifestyle Milestones
Lifestyle goals—like travel, a second home, or meaningful experiences—often compete with longer-term priorities. We can help you map these goals, define tradeoffs and track progress over time.
Common questions:
• Is my nest egg positioned to support my travel plans?
• Can we responsibly plan for a vacation home while keeping other goals on track?
Common questions:
• Is my nest egg positioned to support my travel plans?
• Can we responsibly plan for a vacation home while keeping other goals on track?
Cash Flow & Spending Planning
Predictable expenses are only part of the picture—life has a way of introducing surprises. We can help you understand cash inflows/outflows, establish liquidity preferences and plan for near‑term needs without losing sight of long‑term objectives.
Common questions:
• How do I plan for both known expenses and the unexpected?
• How much liquidity should I keep on hand?
Learn moreCommon questions:
• How do I plan for both known expenses and the unexpected?
• How much liquidity should I keep on hand?
Investing Aligned to Multiple Goals
Many clients aren’t investing for “one” objective—they’re balancing several. We can help you organize goals by time horizon and priority, and build an investment approach designed to align with your risk tolerance and broader plan.
Common questions:
• How can one investment strategy support multiple goals?
• How do we periodically reassess my plan as priorities change?
Common questions:
• How can one investment strategy support multiple goals?
• How do we periodically reassess my plan as priorities change?
Home Ownership & Financing Considerations
Home ownership decisions often involve tradeoffs between monthly cash flow, liquidity, interest-rate risk and other goals. We can help you frame the decision and coordinate planning considerations alongside your broader wealth strategy.
Common questions:
• What financing approach fits my broader plan?
• How do I weigh putting more down vs. keeping liquidity available?
Common questions:
• What financing approach fits my broader plan?
• How do I weigh putting more down vs. keeping liquidity available?
Liability Management & Personal Risk Considerations
Risk can show up in many forms—property exposure, liability risk, cyber risk and business-related risks. While we don’t provide legal advice, we can help you identify planning gaps and coordinate with your tax, legal and insurance professionals.
Common questions:
• How do I manage risk related to property, litigation exposure or cyber issues?
• Where might my current approach be vulnerable?
Common questions:
• How do I manage risk related to property, litigation exposure or cyber issues?
• Where might my current approach be vulnerable?
Saving for College & Education
Education planning is often about balancing competing priorities—retirement, emergency reserves, and lifestyle goals—while maintaining flexibility. We can help you estimate education costs, evaluate savings approaches and establish a clear funding plan.
Common questions:
• Will I be able to pay for my children’s (and potentially grandchildren’s) education?
• How do I balance education funding with retirement readiness?
Common questions:
• Will I be able to pay for my children’s (and potentially grandchildren’s) education?
• How do I balance education funding with retirement readiness?
Risk Management (Portfolio & Protection Planning)
Risk management includes both your investments (volatility, concentration, time horizon) and your broader financial picture (unforeseen events that could disrupt goals). We can help you evaluate alignment between your plan and your tolerance for risk.
Common questions:
• Do my investments align with my tolerance for risk and time horizon?
• Are my family and assets positioned to weather unforeseen events?
Common questions:
• Do my investments align with my tolerance for risk and time horizon?
• Are my family and assets positioned to weather unforeseen events?
Business Strategies & Concentrated Wealth
When a significant portion of wealth is tied to a business, planning can involve liquidity needs, concentration risk, succession timelines and personal financial goals. We can help you integrate personal wealth planning with business-related decisions and coordinate with your professional advisors.
Common questions:
• How do I manage personal wealth when so much is tied up in my company?
• How can I plan for liquidity events, succession or ownership transitions?
Common questions:
• How do I manage personal wealth when so much is tied up in my company?
• How can I plan for liquidity events, succession or ownership transitions?
Navigate Smarter With Our Tools and Weekly Insights
These online resources are intended to help you organize key information and stay up to date in support of your financial planning goals. The following resources may simplify day‑to‑day tasks by bringing commonly used information and updates together in one place. Our team can help you determine which tools are most relevant for your situation.
Morgan Stanley Online
Use MSO as a simple starting point for common service needs and account-related actions. Your Advisor can guide you on what’s most relevant and help ensure requests are handled efficiently.
Log in to MSO
Total Wealth View
When finances are spread across multiple places, Total Wealth View may help simplify how you track your overall picture. It’s designed to make reviews and goal discussions with your Advisor more straightforward.
Learn more
Total Tax 365
Total Tax 365 can help you keep tax-related information and planning items easier to find throughout the year—not just at tax time. It’s a practical way to support more timely conversations with our team and other tax professionals.
Learn more
GIC Weekly Report
GIC Weekly provides a regular snapshot of market and economic perspectives to help you stay informed. It can be a helpful prompt for questions to discuss with our team.
Read the most recent reportLocation
40701 Woodward Ave.
Ste 200
Bloomfield Hills, MI 48304
US
Direct:
(248) 723-1818(248) 723-1818
Toll-Free:
(800) 677-6851(800) 677-6851
Meet The Stillwagon Group
Jason P Drumheller, CFP®
Senior Vice President, Financial Advisor
Phone:
(248) 723-1878(248) 723-1878
James Gerrity, MBA
Business Development Associate, Financial Planning Specialist
Phone:
(248) 723-1876(248) 723-1876
Zoe Colovic
Registered Client Relationship Analyst, Financial Planning Specialist
Phone:
(248) 723-1806(248) 723-1806
Kaitlyn Vollbach
Registered Client Service Associate
Phone:
(248) 723-1887(248) 723-1887
About J Patrick Stillwagon
For 30 years, Patrick has worked to inform and guide his clients along their financial path, knowing that they value the long-standing relationships they’ve forged together. Patrick spent three years with Prudential Securities before joining Morgan Stanley in 1994, and has spent his career looking to provide comprehensive wealth and financial planning. In addition to creating customized and carefully developed financial planning and investment management strategies, Patrick helps his clients navigate the financial implications of major life transitions. He enjoys educating clients and their families on financial topics and creating collaborative relationships.
A graduate of the University of Dayton in Ohio, Patrick earned a Bachelor of Science degree in finance in 1992, and has continued to pursue continuing professional education to further his service to clients. He received a Certified Investment Management Analyst® designation from The Wharton School at the University of Pennsylvania in 2005 and the CERTIFIED FINANCIAL PLANNER™ designation in 2009. Patrick also attended the Consulting Group University in 2004, followed by the Consulting Group Graduate School in 2006. To support his clients across their full range of needs, Patrick has earned financial professional licenses including the Series 7, 31, 63, and 65, as well as life and health insurance licenses. He takes great pride in the industry-wide recognition of being named a Forbes Best in State Wealth Management Team in 2024.
Growing up in Farmington Hills, Michigan, Patrick's ties to the area run deep. He sees his community as an optimal place to raise a family—a big city with the feel of a small town—and "not a better place to live in this country.“ Currently living in Bloomfield Hills, Patrick, his wife Lori and their three children are avid golfers, skiers and enthusiastic supporters of their local sports teams.
Forbes Best-In-State Wealth Management Teams (2024)
Source: Forbes.com (Awarded Jan 2024) Data compiled by SHOOK Research LLC based for the period 3/31/22-3/31/23.
A graduate of the University of Dayton in Ohio, Patrick earned a Bachelor of Science degree in finance in 1992, and has continued to pursue continuing professional education to further his service to clients. He received a Certified Investment Management Analyst® designation from The Wharton School at the University of Pennsylvania in 2005 and the CERTIFIED FINANCIAL PLANNER™ designation in 2009. Patrick also attended the Consulting Group University in 2004, followed by the Consulting Group Graduate School in 2006. To support his clients across their full range of needs, Patrick has earned financial professional licenses including the Series 7, 31, 63, and 65, as well as life and health insurance licenses. He takes great pride in the industry-wide recognition of being named a Forbes Best in State Wealth Management Team in 2024.
Growing up in Farmington Hills, Michigan, Patrick's ties to the area run deep. He sees his community as an optimal place to raise a family—a big city with the feel of a small town—and "not a better place to live in this country.“ Currently living in Bloomfield Hills, Patrick, his wife Lori and their three children are avid golfers, skiers and enthusiastic supporters of their local sports teams.
Forbes Best-In-State Wealth Management Teams (2024)
Source: Forbes.com (Awarded Jan 2024) Data compiled by SHOOK Research LLC based for the period 3/31/22-3/31/23.
Securities Agent: MN, IA, OH, NC, MI, WA, MA, CT, PA, MS, MD, KY, CO, AZ, ND, TN, NY, ME, IL, DC, WI, VA, OR, CA, NM, SC, IN, UT, NV, GA, FL, AK, WY, RI, NJ, NH, MO, AL, TX; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1431003
NMLS#: 1431003
About Jason P Drumheller
A part of the Stillwagon Group at Morgan Stanley for 20 years, Jason is committed to helping clients achieve their unique goals by focusing on a disciplined approach to financial planning and investing. He regularly builds strategies that include alternative investment options to help clients manage risk and addresses many aspects of each client’s financial planning needs beyond traditional investment management. Jason takes the time to get to know each client on a personal level so he can help them build a customized financial plan that is resilient and adaptable to their evolving needs.
Jason graduated from Lake Superior State University with a Bachelor of Science degree in business administration-management, and a minor in economics and finance. He earned the prestigious Family Wealth Advisor designation from Morgan Stanley along with attaining the CERTIFIED FINANCIAL PLANNER™ designation in 2009. Jason holds the Series 3, 7, 63, and 65 securities licenses along with a life insurance license, all of which help him broaden the services he offers to clients. He was named by Forbes as one of the Best in State Next-Gen Financial Advisors in 2019 and is proud that the Stillwagon Group was honored as one of the Forbes Best in State Wealth Management Teams in 2023 and 2024.
Jason and his wife Rhonda are very active in the Detroit community and are involved in and support many local philanthropic organizations. Jason and his wife also share a passion for traveling, spending time with their friends and family, and golfing. Jason’s enjoyment of golf led him to a six-year commitment to being a member of the Detroit Golf Club Board of Directors. His service to the golf club culminated with his serving as the 115th president in the club’s storied history. This achievement was significant, as Jason was the youngest-serving president in the club’s more than 120 years.
2019 Forbes Top Next-Gen Wealth Advisors
Source: Forbes.com (Awarded June 2019) Data compiled by SHOOK Research LLC based on time period from 3/31/18 - 3/31/19.
2023, 2024 Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (2023, 2024 ). Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of year prior to the issuance of the award.
Jason graduated from Lake Superior State University with a Bachelor of Science degree in business administration-management, and a minor in economics and finance. He earned the prestigious Family Wealth Advisor designation from Morgan Stanley along with attaining the CERTIFIED FINANCIAL PLANNER™ designation in 2009. Jason holds the Series 3, 7, 63, and 65 securities licenses along with a life insurance license, all of which help him broaden the services he offers to clients. He was named by Forbes as one of the Best in State Next-Gen Financial Advisors in 2019 and is proud that the Stillwagon Group was honored as one of the Forbes Best in State Wealth Management Teams in 2023 and 2024.
Jason and his wife Rhonda are very active in the Detroit community and are involved in and support many local philanthropic organizations. Jason and his wife also share a passion for traveling, spending time with their friends and family, and golfing. Jason’s enjoyment of golf led him to a six-year commitment to being a member of the Detroit Golf Club Board of Directors. His service to the golf club culminated with his serving as the 115th president in the club’s storied history. This achievement was significant, as Jason was the youngest-serving president in the club’s more than 120 years.
2019 Forbes Top Next-Gen Wealth Advisors
Source: Forbes.com (Awarded June 2019) Data compiled by SHOOK Research LLC based on time period from 3/31/18 - 3/31/19.
2023, 2024 Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (2023, 2024 ). Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of year prior to the issuance of the award.
Securities Agent: UT, NH, ME, IA, MS, MN, IN, AZ, WI, NY, NV, NC, MI, CA, OH, NM, MD, MA, IL, WA, OR, MO, SC, GA, FL, AL, AK, PA, KY, DC, TX, RI, CO, TN, CT, WY, VA, NJ, ND; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 1423961
NMLS#: 1423961
About James Gerrity, MBA
Jim has over 29 years of experience in the financial services industry, including 15 years as a Branch Service Manager. Jim is a true leader and mentor, and has been active in coaching and developing our staff during his 24 years with Morgan Stanley and our predecessor firms.
Continuous learning and growth have been a focus for Jim since his time as an undergraduate student at the University of Detroit Mercy. Jim holds a DBA in Data Analytics from Grand Canyon University and a PhD in Human Resource Management from Northcentral University. He also earned an MBA and M.S. in finance from Walsh College. In addition to his academic credentials, he has passed the Series 3, 4, 7, 8, 24, 27, 63, and 65 exams from the Financial Industry Regulatory Authority, as well as State of Michigan Life, Accident and Health insurance certification. Jim has also taught doctoral, graduate and undergraduate quantitative methods classes at Walsh College and Trine University.
Outside the office and the classroom, Jim enjoys volunteering at Earthworks Urban Farm. A resident of Westland, Michigan, he also enjoys spending time with his wife Tiffany and daughters Madison and Gabrielle, ghost hunting, visiting ghost towns out west, and watching college basketball.
Continuous learning and growth have been a focus for Jim since his time as an undergraduate student at the University of Detroit Mercy. Jim holds a DBA in Data Analytics from Grand Canyon University and a PhD in Human Resource Management from Northcentral University. He also earned an MBA and M.S. in finance from Walsh College. In addition to his academic credentials, he has passed the Series 3, 4, 7, 8, 24, 27, 63, and 65 exams from the Financial Industry Regulatory Authority, as well as State of Michigan Life, Accident and Health insurance certification. Jim has also taught doctoral, graduate and undergraduate quantitative methods classes at Walsh College and Trine University.
Outside the office and the classroom, Jim enjoys volunteering at Earthworks Urban Farm. A resident of Westland, Michigan, he also enjoys spending time with his wife Tiffany and daughters Madison and Gabrielle, ghost hunting, visiting ghost towns out west, and watching college basketball.
About Zoe Colovic
Zoe is a graduate of the Boston University Questrom School of Business with a Bachelor of Science in Business Administration and Management and a minor in history. She began her career with The Stillwagon Group in 2022 as a Client Service Associate.
She is registered with the Series 7, Series 63, and Series 65, as well as having her Life, Variable, and Accident & Health Insurance licenses. Zoe is a Registered Client Relationship Analyst and Financial Planning Specialist who works with clients on all aspects of their accounts. She also assists the team in generating client facing analytics reports and financial plans.
Zoe enjoys traveling and is native bilingual but enjoys learning different languages, cuisines, and cultures. Her other hobbies include playing the piano, gardening and bonsai, and volunteering in her community.
She is registered with the Series 7, Series 63, and Series 65, as well as having her Life, Variable, and Accident & Health Insurance licenses. Zoe is a Registered Client Relationship Analyst and Financial Planning Specialist who works with clients on all aspects of their accounts. She also assists the team in generating client facing analytics reports and financial plans.
Zoe enjoys traveling and is native bilingual but enjoys learning different languages, cuisines, and cultures. Her other hobbies include playing the piano, gardening and bonsai, and volunteering in her community.
About Kaitlyn Vollbach
Kaitlyn joined The Stillwagon Group at Morgan Stanley as a Registered Client Service Associate in 2024, bringing 3 years of industry experience with her. After graduating from Oakland University with a Bachelor of Science Degree in Accounting in 2021, Kaitlyn began her career in corporate accounting before starting at Morgan Stanley.
In addition to her background in accounting Kaitlyn also holds both the Series 7 and 66 securities licenses. Kaitlyn is an integral part of the Stillwagon Group at Morgan Stanley’s service and operations team where she uses both her analytical and interpersonal skills to assist clients with their unique needs.
In her personal time Kaitlyn enjoys reading, spending time with her dog, Zeppelin and baking for family and friends.
In addition to her background in accounting Kaitlyn also holds both the Series 7 and 66 securities licenses. Kaitlyn is an integral part of the Stillwagon Group at Morgan Stanley’s service and operations team where she uses both her analytical and interpersonal skills to assist clients with their unique needs.
In her personal time Kaitlyn enjoys reading, spending time with her dog, Zeppelin and baking for family and friends.
Contact J Patrick Stillwagon
Contact Jason P Drumheller
Awards and Recognition
Forbes Best-In-State Wealth Management Teams
2023-2026 Forbes Best-In-State Wealth Management Teams Source: Forbes.com (Awarded 2023-2026). Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of year prior to the issuance of the award.
Wealth Management
Global Investment Office
Portfolio Insights
Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
A Simple Six-Step Retirement Checkup
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Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
Rational Investing in an Age of Uncertainty
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Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
529 Plans: A Powerful Tool to Save for Education
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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
Ready to start a conversation? Contact The Stillwagon Group today.
Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization’s initial and ongoing certification requirements to use the certification marks.
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Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
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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:
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The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
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1Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley Smith Barney LLC (“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.
3Products and services are provided by third party service providers, not Morgan Stanley Smith Barney LLC (“Morgan Stanley”). Morgan Stanley may not receive a referral fee or have any input concerning such products or services. There may be additional service providers for comparative purposes. Please perform a thorough due diligence and make your own independent decision.
Morgan 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.
4Alternative 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.
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.
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 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 (“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.
9Morgan 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.
10Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States. Morgan Stanley Wealth Management is a business of Morgan Stanley Smith Barney LLC.
11Morgan Stanley’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be appropriate for you. Please see the Morgan Stanley Smith Barney LLC program disclosure brochure (the “Morgan Stanley ADV”) for more information in the investment advisory programs available. The Morgan Stanley ADV is available at www.morganstanley.com/ADV.
12Morgan 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
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures | Morgan Stanley
CRC 4665150 (8/2025)
