Robert Tholl, CIMA®
Senior Vice President, Financial Advisor, Senior Portfolio Management Director, Senior Investment Management Consultant
Phone:
(616) 771-6005(616) 771-6005
The Tholl Pearson Group at Morgan Stanley
Direct:
(616) 771-6005(616) 771-6005
Toll-Free:
(800) 378-2217(800) 378-2217
Our Mission Statement
Powering Your Portfolio. Empowering Our Clients
Our Story
If you're like many investors, you realize that managing your investment portfolio requires time, experience and knowledge that you may not possess. That's why so many rely on professional asset managers to assume responsibility for day-to-day investment decisions.
The question is which of the thousands of asset managers competing for your business should you choose.
The Tholl Pearson Group is a team of experienced financial professionals who offer institutional-level portfolio management in a private family office-like environment. We believe that our approach to investing sets us apart from other managers available to you. Called PowerScore, this proprietary methodology has prompted many Morgan Stanley Financial Advisors to work with us and provide their clients with the personalized investment management necessary to help them pursue even their most challenging goals. At the same time, however, we recognize that investment management, while critical, is only part of what our clients require. That is why go far beyond your portfolio to advise you on lending, estate planning strategies, risk management – in short, virtually every aspect of your financial life.
Disclaimer: Morgan Stanley Smith Barney LLC offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please visit us at http://www.morganstanleyindividual.com or consult with your Financial Advisor to understand these differences.
Services Include
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
The PowerScore Process
The Tholl Pearson Group at Morgan Stanley is an experienced portfolio manager. For implementing
the allocation decisions across all of our portfolios, we employ a security ranking process that we
call, PowerScore.
Via a Bloomberg linkage for data, we calculate the PowerScore for a variety of exchange listed
securities. The PowerScore for each security is produced by evaluating a series of trailing returns over
various time frames. These trailing returns are weighted, and then translated into a numerical
PowerScore.
• To evaluate what we believe is the short-term health of the equity market, we employ the Risk
Volatility Dial (RVD).
→ Each component of this Dial is scored on a consistent formulaic basis.
→ We believe that the stronger the overall positive score, the stronger the short-term equity market
environment. We call this a GREEN short-term equity environment.
→ We believe that the weaker the overall negative score, the weaker the short-term equity market
environment. We call this a RED short-term equity environment.
• To evaluate what we believe is the intermediate-term health of the equity market, we employ
the PowerScore Strength Dial (PSD).
→ Each component of this Dial is scored on a consistent formulaic basis.
→ We believe that the stronger the overall positive score, the stronger the intermediate-term equity
market environment. We call this a GREEN intermediate-term equity environment.
→ We believe that the weaker the overall negative score, the weaker the intermediate-term equity
market environment. We call this a RED intermediate-term equity environment.
• To evaluate what we believe is the long-term health of the domestic economy, we employ the Risk
Appetite Dial (RAD).
→ Each component of this Dial is scored on a consistent formulaic basis.
→ We believe that the stronger the overall positive score, the stronger the long-term domestic
economic environment. We call this a GREEN long-term economic environment.
→ We believe that the weaker the overall negative score, the weaker the long-term domestic
economic environment. We call this a RED long-term economic environment.
The PowerScore Tactical Model Portfolios:
• Risk Profile 1 – Conservative → 0-20% equity range.
• Risk Profile 2 – Conservative-Moderate →20-40% equity range.
• Risk Profile 3 – Moderate → 40-60% equity range.
• Risk Profile 4 – Moderate-Aggressive → 60-80% equity range.
• Risk Profile 5 – Aggressive → 80-100% equity range.
PowerScore Strategic Model Portfolios:
• Risk Profile 0.5 → 10% equity target
• Risk Profile 1 → 20% equity target
• Risk Profile 1.5 → 30% equity target
• Risk Profile 2 → 40% equity target
• Risk Profile 2.5 → 50% equity target
• Risk Profile 3 → 60% equity target
• Risk Profile 3.5 → 70% equity target
• Risk Profile 4 → 80% equity target
• Risk Profile 4.5 → 90% equity target
• Risk Profile 5 → 100% equity target
The Tholl Pearson Group at Morgan Stanley is an experienced portfolio manager. For implementing
the allocation decisions across all of our portfolios, we employ a security ranking process that we
call, PowerScore.
Via a Bloomberg linkage for data, we calculate the PowerScore for a variety of exchange listed
securities. The PowerScore for each security is produced by evaluating a series of trailing returns over
various time frames. These trailing returns are weighted, and then translated into a numerical
PowerScore.
• To evaluate what we believe is the short-term health of the equity market, we employ the Risk
Volatility Dial (RVD).
→ Each component of this Dial is scored on a consistent formulaic basis.
→ We believe that the stronger the overall positive score, the stronger the short-term equity market
environment. We call this a GREEN short-term equity environment.
→ We believe that the weaker the overall negative score, the weaker the short-term equity market
environment. We call this a RED short-term equity environment.
• To evaluate what we believe is the intermediate-term health of the equity market, we employ
the PowerScore Strength Dial (PSD).
→ Each component of this Dial is scored on a consistent formulaic basis.
→ We believe that the stronger the overall positive score, the stronger the intermediate-term equity
market environment. We call this a GREEN intermediate-term equity environment.
→ We believe that the weaker the overall negative score, the weaker the intermediate-term equity
market environment. We call this a RED intermediate-term equity environment.
• To evaluate what we believe is the long-term health of the domestic economy, we employ the Risk
Appetite Dial (RAD).
→ Each component of this Dial is scored on a consistent formulaic basis.
→ We believe that the stronger the overall positive score, the stronger the long-term domestic
economic environment. We call this a GREEN long-term economic environment.
→ We believe that the weaker the overall negative score, the weaker the long-term domestic
economic environment. We call this a RED long-term economic environment.
The PowerScore Tactical Model Portfolios:
• Risk Profile 1 – Conservative → 0-20% equity range.
• Risk Profile 2 – Conservative-Moderate →20-40% equity range.
• Risk Profile 3 – Moderate → 40-60% equity range.
• Risk Profile 4 – Moderate-Aggressive → 60-80% equity range.
• Risk Profile 5 – Aggressive → 80-100% equity range.
PowerScore Strategic Model Portfolios:
• Risk Profile 0.5 → 10% equity target
• Risk Profile 1 → 20% equity target
• Risk Profile 1.5 → 30% equity target
• Risk Profile 2 → 40% equity target
• Risk Profile 2.5 → 50% equity target
• Risk Profile 3 → 60% equity target
• Risk Profile 3.5 → 70% equity target
• Risk Profile 4 → 80% equity target
• Risk Profile 4.5 → 90% equity target
• Risk Profile 5 → 100% equity target
This material has been prepared for informational purposes only and is not an offer to buy or sell or a solicitation of
any offer to buy or sell any security/instrument, or to participate in any trading strategy. Any such offer would be made
only after a prospective investor had completed its own independent investigation of the securities, instruments or
transactions, and received all information it required to make its own investment decision, including, where applicable,
a review of any offering circular or memorandum describing such security or instrument. That information would
contain material information not contained herein and to which prospective participants are referred. This material is
based on public information as of the specified date, and may be stale thereafter. We have no obligation to tell you
when information herein may change. We make no representation or warranty with respect to the accuracy or
completeness of this material. Morgan Stanley Wealth Management has no obligation to provide updated information
on the securities/instruments mentioned herein.
This material is intended only for clients of the Portfolio Management program. It has been prepared solely for
informational purposes only and is not an offer to buy or sell or a solicitation of any offer to buy or sell any security or
other financial instrument, or to participate in any trading strategy.
The individuals mentioned as the Portfolio Management Team are Financial Advisors with Morgan Stanley participating
in the Morgan Stanley Portfolio Management program. The Portfolio Management program is an investment advisory
program in which the client’s Financial Advisor invests the client’s assets on a discretionary basis in a range of
securities. The Portfolio Management program is described in the applicable Morgan Stanley ADV Part 2, available
at www.morganstanley.com/ADV or from your Financial Advisor.
Please contact your Financial Advisor for a complete listing of all transactions that occurred during the last twelve
months.
Material in this presentation has been obtained from sources that we believe to be reliable, but we do not guarantee
its accuracy, completeness or timeliness. Third party data providers make no warranties or representations relating to
the accuracy, completeness or timeliness of the data they provide and are not liable for any damages relating to this
data.
Morgan Stanley Wealth Management has no obligation to notify you when information in this presentation changes.
Equity securities may fluctuate in response to news on companies, industries, market conditions and the general
economic environment.
Morgan Stanley Wealth Management Financial Advisors can conduct their business in several ways: individually, as a
member of a team of Financial Advisors, or through the formation of a Strategic Partnership with another Financial
Advisor or team of Financial Advisors. A Strategic Partnership is an arrangement between a Financial Advisor or a team
of Financial Advisors with another Financial Advisor or team of Financial Advisors that has a unique focus or knowledge
regarding a specific business concentration, product area and/or client type. If your account is with an individual
Financial Advisor, that Financial Advisor services all facets of your account. If your account is with a Financial Advisor
who is a member of a team, any Financial Advisor on the team can service your account. If your Financial Advisor is
part of a Strategic Partnership, his or her role in that Strategic Partnership may be limited to a specific business and/or
product area and may not cover all facets of your account. The use of the terms “Partner” or “Strategic Partner”
and/or “Partnership” or “Strategic Partnership” are used as terms of art and not used to imply or connote any legal
relationship.
Morgan Stanley Smith Barney LLC. Member SIPC.
CRC 4580855 12/26
any offer to buy or sell any security/instrument, or to participate in any trading strategy. Any such offer would be made
only after a prospective investor had completed its own independent investigation of the securities, instruments or
transactions, and received all information it required to make its own investment decision, including, where applicable,
a review of any offering circular or memorandum describing such security or instrument. That information would
contain material information not contained herein and to which prospective participants are referred. This material is
based on public information as of the specified date, and may be stale thereafter. We have no obligation to tell you
when information herein may change. We make no representation or warranty with respect to the accuracy or
completeness of this material. Morgan Stanley Wealth Management has no obligation to provide updated information
on the securities/instruments mentioned herein.
This material is intended only for clients of the Portfolio Management program. It has been prepared solely for
informational purposes only and is not an offer to buy or sell or a solicitation of any offer to buy or sell any security or
other financial instrument, or to participate in any trading strategy.
The individuals mentioned as the Portfolio Management Team are Financial Advisors with Morgan Stanley participating
in the Morgan Stanley Portfolio Management program. The Portfolio Management program is an investment advisory
program in which the client’s Financial Advisor invests the client’s assets on a discretionary basis in a range of
securities. The Portfolio Management program is described in the applicable Morgan Stanley ADV Part 2, available
at www.morganstanley.com/ADV or from your Financial Advisor.
Please contact your Financial Advisor for a complete listing of all transactions that occurred during the last twelve
months.
Material in this presentation has been obtained from sources that we believe to be reliable, but we do not guarantee
its accuracy, completeness or timeliness. Third party data providers make no warranties or representations relating to
the accuracy, completeness or timeliness of the data they provide and are not liable for any damages relating to this
data.
Morgan Stanley Wealth Management has no obligation to notify you when information in this presentation changes.
Equity securities may fluctuate in response to news on companies, industries, market conditions and the general
economic environment.
Morgan Stanley Wealth Management Financial Advisors can conduct their business in several ways: individually, as a
member of a team of Financial Advisors, or through the formation of a Strategic Partnership with another Financial
Advisor or team of Financial Advisors. A Strategic Partnership is an arrangement between a Financial Advisor or a team
of Financial Advisors with another Financial Advisor or team of Financial Advisors that has a unique focus or knowledge
regarding a specific business concentration, product area and/or client type. If your account is with an individual
Financial Advisor, that Financial Advisor services all facets of your account. If your account is with a Financial Advisor
who is a member of a team, any Financial Advisor on the team can service your account. If your Financial Advisor is
part of a Strategic Partnership, his or her role in that Strategic Partnership may be limited to a specific business and/or
product area and may not cover all facets of your account. The use of the terms “Partner” or “Strategic Partner”
and/or “Partnership” or “Strategic Partnership” are used as terms of art and not used to imply or connote any legal
relationship.
Morgan Stanley Smith Barney LLC. Member SIPC.
CRC 4580855 12/26
Please open the following for an overview of the PowerScore Portfolios and for a description of our PowerScore PS20 and PowerScore PS20 Style equity strategies.
The PowerScore Portfolios
The PowerScore PortfoliosPowerScore PS20
PowerScore PS20How PowerScore Works
PowerScore is the proprietary methodology we've developed over more than 30 years of market fluctuations and experience managing the assets of wealthy families and major institutions. Using data from our special application linkage with Bloomberg, we examine the trailing returns of a variety of listed securities over various timeframes – i.e. 1,3, or 6-months. We place greater emphasis on longer-term returns and employ a mathematical formula to assign each security a PowerScore.
We believe that the higher the PowerScore, the more successful the security has been in attracting capital from investors. We also think that securities with a lower, or negative PowerScore, are currently losing in the competition to attract investor capital.
In addition to our own clients, The Tholl Pearson Group manages assets for the clients of numerous Morgan Stanley Financial Advisors. These professionals place their trust in us because we offer not only our proprietary PowerScore methodology, but other benefits, such as:
- PowerScore risk assessment for short, medium and long-term market conditions.
- How our assessment is affecting the portfolio's asset allocation.
Risk Management
Based on your risk tolerance, we assign you a risk profile that governs our asset allocation decisions. Depending on our PowerScore assessment of short, medium and long-term market conditions, we allocate your assets within an established range, never exceeding a set equity allocation based on your risk profile.
Bi-Weekly Updates
We can distribute our PowerScore e-mail newsletter twice a week to interested clients. These emails will elaborate on:
Direct Contact
When you want to talk about your investments or prevailing markets, you can be assured of our prompt and undivided attention via phone, Zoom or in-person meetings. As Morgan Stanley Portfolio Management Directors, we strive to provide you with the personalized attention you deserve.
Disclaimers
This material is intended only for clients and prospective clients of the Portfolio Management program. It has been prepared solely for informational purposes only and is not an offer to buy or sell or a solicitation of any offer to buy or sell any security or other financial instrument, or to participate in any trading strategy.
The individuals mentioned as the Portfolio Management Team are Financial Advisors with Morgan Stanley participating in the Morgan Stanley Portfolio Management program. The Portfolio Management program is an investment advisory program in which the client's Financial Advisor invests the client's assets on a discretionary basis in a range of securities. The Portfolio Management program is described in the applicable Morgan Stanley ADV Part 2, available at www.morganstanley.com/ADV or from your Financial Advisor.
Location
5122 Cascade Road SE
Grand Rapids, MI 49546
US
Direct:
(616) 771-6005(616) 771-6005
Toll-Free:
(800) 378-2217(800) 378-2217
300 E Front Street
Traverse City, MI 49684
US
Direct:
(231) 932-7212(231) 932-7212
Meet The Tholl Pearson Group
Jerry Pearson
Senior Vice President, Financial Advisor, Senior Portfolio Management Director
Phone:
(231) 932-7212(231) 932-7212
About Robert Tholl
Robert C. Tholl, Jr., CIMA® is a Senior Vice President, Senior Portfolio Management Director, and Financial Advisor with more than 30 years of portfolio management experience helping his individual private clients, businesses, foundations and endowments meet their investment and wealth management goals.
Robert began his career at Wells Fargo in San Diego, continuing with Prudential Securities in San Francisco. In 1998, he relocated to his wife’s hometown of Grand Rapids and joined Bank One, which later became J.P. Morgan. In 2010, he joined Morgan Stanley Smith Barney and co-founded the Tholl Pearson Group with Jerry.
A Certified Investment Management Analyst - CIMA® and Senior Investment Management Consultant – SIMC, Robert earned a B.A. in Economics and Business Law at San Diego State University, is a graduate of the University of Pennsylvania Wharton School’s distinguished Investment Management Analyst Program, and is a member of the Investment Management Consultants Association. He lives in East Grand Rapids and is married with two children.
Robert is a former President and Board Member of the John Ball Zoological Society, and is currently involved as a Forever Fund Council Member. He was a Member of the Gerald R. Ford Foundation Hospitality Committee. Robert spent over 10 years as a youth and club lacrosse coach, and was a Board Member of the East Pride Lacrosse Club and the East Grand Rapids High School lacrosse program.
Robert began his career at Wells Fargo in San Diego, continuing with Prudential Securities in San Francisco. In 1998, he relocated to his wife’s hometown of Grand Rapids and joined Bank One, which later became J.P. Morgan. In 2010, he joined Morgan Stanley Smith Barney and co-founded the Tholl Pearson Group with Jerry.
A Certified Investment Management Analyst - CIMA® and Senior Investment Management Consultant – SIMC, Robert earned a B.A. in Economics and Business Law at San Diego State University, is a graduate of the University of Pennsylvania Wharton School’s distinguished Investment Management Analyst Program, and is a member of the Investment Management Consultants Association. He lives in East Grand Rapids and is married with two children.
Robert is a former President and Board Member of the John Ball Zoological Society, and is currently involved as a Forever Fund Council Member. He was a Member of the Gerald R. Ford Foundation Hospitality Committee. Robert spent over 10 years as a youth and club lacrosse coach, and was a Board Member of the East Pride Lacrosse Club and the East Grand Rapids High School lacrosse program.
Securities Agent: CO, FL, MO, VA, TN, NM, MI, WY, WV, WI, SC, OR, OK, NE, KY, ID, DE, AL, PA, MT, MD, GA, DC, WA, NH, NC, MN, AZ, UT, OH, NY, ME, TX, SD, AR, NJ, MS, IN, HI, NV, LA, IL, IA, CT, CA, VT, MA, KS; General Securities Representative; Investment Advisor Representative
NMLS#: 1278685
NMLS#: 1278685
About Jerry Pearson
Jerry R. Pearson is a Senior Vice President, Senior Portfolio Management Director and Financial Advisor with more than 40 years of investment experience managing large institutional, foundation and endowment portfolios as well as helping families and individuals create and manage their investment strategies.
Jerry began his career as an analyst at Merrill Lynch in New York before moving to portfolio management at the Northern Trust Company in Chicago. After more than 15 years of managing absolute return focused portfolios, he returned to his native Michigan in 2001, joining Robert at Bank One. In 2005, he was named Chief Investment Officer at Fifth Third Bank Florida. Jerry later returned to Michigan to join Robert at J.P. Morgan and in 2010 he co-founded the Tholl Pearson Group with Robert.
Jerry graduated summa cum laude in Business Law from Michigan State University. In addition to his general securities and advisory licenses, Jerry holds a General Securities Principal and Supervisor for Options and Municipal Securities licenses. Jerry lives in the Glen Lake area and is married with three children and five grandchildren.
A former Board Member of the Grand Rapids Symphony, Jerry is active as an Elder in his church and enjoys multiple outdoor activities.
“A systematic approach to risk management is the hallmark of a disciplined portfolio management process.”
Jerry began his career as an analyst at Merrill Lynch in New York before moving to portfolio management at the Northern Trust Company in Chicago. After more than 15 years of managing absolute return focused portfolios, he returned to his native Michigan in 2001, joining Robert at Bank One. In 2005, he was named Chief Investment Officer at Fifth Third Bank Florida. Jerry later returned to Michigan to join Robert at J.P. Morgan and in 2010 he co-founded the Tholl Pearson Group with Robert.
Jerry graduated summa cum laude in Business Law from Michigan State University. In addition to his general securities and advisory licenses, Jerry holds a General Securities Principal and Supervisor for Options and Municipal Securities licenses. Jerry lives in the Glen Lake area and is married with three children and five grandchildren.
A former Board Member of the Grand Rapids Symphony, Jerry is active as an Elder in his church and enjoys multiple outdoor activities.
“A systematic approach to risk management is the hallmark of a disciplined portfolio management process.”
Securities Agent: HI, WV, WA, OH, MS, UT, MT, MN, KY, SD, NH, MI, DE, CO, WY, WI, TX, TN, ME, IN, ID, AR, VA, OK, MA, MO, IA, DC, CT, CA, AL, SC, NM, KS, GA, NJ, FL, PA, OR, NV, IL, VT, NY, NE, NC, MD, LA, AZ; BM/Supervisor; General Securities Principal; General Securities Representative; Investment Advisor Representative
Contact Robert Tholl
Contact Jerry Pearson
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
Joseph V. Portera
Private Banker
Sally A. Cholewka, CFP®
Financial Planning Director, Vice President
About Joseph V. Portera
Joseph Portera is a Private Banker serving Morgan Stanley Wealth Management offices in Michigan.
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.
Joseph began his career in financial services in 2002 and joined Morgan Stanley in 2018. Prior to joining the firm, he served as a Commercial Lender and Market Director at JPMorgan Chase.
Joseph is a graduate of the Haworth College of Business at Western Michigan University where he received a Bachelor of Business Administration in Finance, and Keller Graduate School of Business where he received a Master’s in Business Administration in Finance & Accounting.
Joseph and his family currently reside in Grosse Pointe, Michigan. Outside of the office, he enjoys martial arts, skiing, tennis, and spending time with his family.
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.
Joseph began his career in financial services in 2002 and joined Morgan Stanley in 2018. Prior to joining the firm, he served as a Commercial Lender and Market Director at JPMorgan Chase.
Joseph is a graduate of the Haworth College of Business at Western Michigan University where he received a Bachelor of Business Administration in Finance, and Keller Graduate School of Business where he received a Master’s in Business Administration in Finance & Accounting.
Joseph and his family currently reside in Grosse Pointe, Michigan. Outside of the office, he enjoys martial arts, skiing, tennis, and spending time with his family.
NMLS#: 1260889
About Sally A. Cholewka
Sally A. Cholewka is a vice president and financial planning director, serving Morgan Stanley Wealth Management offices in Southeast Michigan. She is responsible for helping financial advisors with their clients' and prospects' financial planning needs.
Sally began her career in financial services in 2010 and joined Morgan Stanley in 2021. Prior to her current position, she worked as director of financial planning for a group of independent financial advisors affiliated with LPL Financial. Her role for over the last decade has been to facilitate retirement income planning, tax aware positioning and estate & legacy conversations.
Sally has held her CERTIFIED FIANCIAL PLANNER™ designation since 2017. A graduate from the University of Iowa, she proudly identifies as a “Midwesterner,” having lived or worked in Iowa, Minnesota, Illinois and Michigan. She currently lives in Shelby Township, MI with her husband and daughter. Outside of work, Sally enjoys vacationing with her family, boating, and volunteering with the SIFMA Foundation’s “InvestWrite” national writing competition for elementary age children.
DISCLOSURE:
Important information about your relationship with your Financial Advisor and Morgan Stanley Smith Barney LLC when using a Financial Planning tool. When your Financial Advisor prepares a Financial Plan, they will act in an investment advisory capacity for thirty (30) days after the delivery of your Financial Plan. To understand the differences between brokerage and advisory relationships, you should consult your Financial Advisor, or review our “Understanding Your Brokerage and Investment Advisory Relationships,” brochure available at https://www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
You have sole responsibility for making all investment decisions with respect to the implementation of a Financial Plan. You may implement the Financial Plan at Morgan Stanley or at another firm. If you engage or have engaged Morgan Stanley, it will act as your broker, unless you ask it, in writing, to act as your investment adviser on any particular account.
Morgan 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.
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.
© 2026 Morgan Stanley Smith Barney LLC. Member SIPC.
Sally began her career in financial services in 2010 and joined Morgan Stanley in 2021. Prior to her current position, she worked as director of financial planning for a group of independent financial advisors affiliated with LPL Financial. Her role for over the last decade has been to facilitate retirement income planning, tax aware positioning and estate & legacy conversations.
Sally has held her CERTIFIED FIANCIAL PLANNER™ designation since 2017. A graduate from the University of Iowa, she proudly identifies as a “Midwesterner,” having lived or worked in Iowa, Minnesota, Illinois and Michigan. She currently lives in Shelby Township, MI with her husband and daughter. Outside of work, Sally enjoys vacationing with her family, boating, and volunteering with the SIFMA Foundation’s “InvestWrite” national writing competition for elementary age children.
DISCLOSURE:
Important information about your relationship with your Financial Advisor and Morgan Stanley Smith Barney LLC when using a Financial Planning tool. When your Financial Advisor prepares a Financial Plan, they will act in an investment advisory capacity for thirty (30) days after the delivery of your Financial Plan. To understand the differences between brokerage and advisory relationships, you should consult your Financial Advisor, or review our “Understanding Your Brokerage and Investment Advisory Relationships,” brochure available at https://www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
You have sole responsibility for making all investment decisions with respect to the implementation of a Financial Plan. You may implement the Financial Plan at Morgan Stanley or at another firm. If you engage or have engaged Morgan Stanley, it will act as your broker, unless you ask it, in writing, to act as your investment adviser on any particular account.
Morgan 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.
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.
© 2026 Morgan Stanley Smith Barney LLC. Member SIPC.
Private Banking Group (PBG) Market Managers, Senior Private Bankers, Private Bankers, and Associate Private Bankers are employees of Morgan Stanley Private Bank, National Association.
Banking products and services are offered by Morgan Stanley Private Bank, National Association, Member FDIC.
Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
Important information about your relationship with your Financial Advisor and Morgan Stanley Smith Barney LLC when using a Financial Planning tool. When your Financial Advisor prepares a Financial Plan, they will act in an investment advisory capacity for thirty (30) days after the delivery of your Financial Plan. To understand the differences between brokerage and advisory relationships, you should consult your Financial Advisor, or review our “Understanding Your Brokerage and Investment Advisory Relationships,” brochure available at https://www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
You have sole responsibility for making all investment decisions with respect to the implementation of a Financial Plan. You may implement the Financial Plan at Morgan Stanley or at another firm. If you engage or have engaged Morgan Stanley, it will act as your broker, unless you ask it, in writing, to act as your investment adviser on any particular account.
Morgan 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.
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.
Banking products and services are offered by Morgan Stanley Private Bank, National Association, Member FDIC.
Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
Important information about your relationship with your Financial Advisor and Morgan Stanley Smith Barney LLC when using a Financial Planning tool. When your Financial Advisor prepares a Financial Plan, they will act in an investment advisory capacity for thirty (30) days after the delivery of your Financial Plan. To understand the differences between brokerage and advisory relationships, you should consult your Financial Advisor, or review our “Understanding Your Brokerage and Investment Advisory Relationships,” brochure available at https://www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
You have sole responsibility for making all investment decisions with respect to the implementation of a Financial Plan. You may implement the Financial Plan at Morgan Stanley or at another firm. If you engage or have engaged Morgan Stanley, it will act as your broker, unless you ask it, in writing, to act as your investment adviser on any particular account.
Morgan 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.
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.
Ready to start a conversation? Contact The Tholl Pearson Group today.
1Morgan 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.
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, charitable giving, philanthropic planning and other legal matters.
3Morgan 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.
4Morgan 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.
5Morgan 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
6Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
7Morgan 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.
8When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
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
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, charitable giving, philanthropic planning and other legal matters.
3Morgan 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.
4Morgan 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.
5Morgan 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
6Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
7Morgan 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.
8When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
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), 4763067 (9/2025)