How We Work With Our Wealth Management Clients

As Certified Financial Planners our group focuses on providing comprehensive wealth management and financial planning services to a select group of clients based in both New England and across the country.   We take a holistic approach to our planning process by incorporating all aspects of your financial life to truly understand the best way to make your assets work for you. 

Our four step wealth management process begins with a detailed discussion of your overall financial picture, including your current and future financial goals and objectives.  We focus on what is important to you; achieving a confident retirement lifestyle, planning for your children’s college education, ensuring that your estate plan is in line with your goals, providing for your significant other in the event of death, disability or long term care needs, managing the liability side of your balance sheet, or reviewing your current investments and recommending an appropriate asset allocation.  We believe that this conversation is the foundation for understanding our clients’ desires and developing a plan that is tailored to their needs. 

Taking our initial conversation into consideration, we will work with you to develop a written plan that is designed to help meet your short and long term financial goals.  We will provide you with specific investment and planning recommendations to demonstrate the value we can add to your situation.

On a regular basis we will work with you to review your investment performance and make necessary adjustments to your financial plan.  We recognize that your life is a moving picture and that your financial plan should be revisited to reflect any changes that may occur.
Services Include
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Our Four-Step Process

Our wealth management approach focuses on you, your family and your career – where you are today and where you want to go. Working together, we develop the strategies to help get you there, navigating life’s challenges and helping you make more informed decisions about your wealth.
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    Step One - Initial Consultation
    Our relationship begins by gaining a complete understanding of your lifestyle, family, and financial goals for the future. We work together with you to perform a detailed assessment of all of your potential financial needs. This includes but is not limited to; retirement planning, education funding for children and grandchildren, estate planning, tax planning/tax efficient investing, insurance needs, equity compensation strategies around stock options and RSU’s, managing the liability side of your balance sheet, philanthropic planning, and asset management. Life is a moving picture that is constantly changing for our client’s. In our initial consultation we are simply taking a snapshot in time of where you are at today in your life. Along the way we will continuously take these snapshots as life changes, allowing us to help you plan by “design” and not “default”.
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    Step Two - Financial Plan & Recommendations
    Following phase one, our team will devise a written personalized wealth management plan that matches with your family’s goals. This plan will be highly customizable and will directly reflect your current and future objectives. Our goal is to create a plan where you feel confident and have a full understanding of your assets, liabilities, and spending needs. We use some of the industry’s most sophisticated software when devising our client’s plans, which will include specific recommendations on how to improve all aspects of your family’s finances. We continuously work to ensure your asset allocation and wealth management plan are tax efficient and align with the goals you have established for your family.
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    Step Three - Agreement & Implementation
    Our team will help you fully implement your customized financial plan. Based on your family’s required rate of return and input, this will drive an appropriate asset allocation and investment strategy. In all phases of your plan, we will have a list of “To Do’s” that we will work towards completing on your timeline. Every plan we run is customized, so every family’s “To Do” list is a little different. However, many are similar. Some examples include; updating wills and trusts, doing a full insurance review to save premiums, strategies to reduce taxes, implementing an equity compensation strategy to mitigate risk and taxes, setting up college accounts for children and grandchildren, protecting assets from liability etc. etc. etc. There is generally very little that we can’t help our clients with. We will also collaboratively work with your attorney and tax advisor to implement your plan in the most effective manner.
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    Step Four - Ongoing Service
    We will have periodic review meetings to revisit your goals and rebalance your portfolio throughout the year to keep the plan in line with stated objectives. We believe that goals and needs are constantly evolving as are the financial markets, tax and estate laws, and many other external factors. During our review meetings, we will update your complete financial plan and review how we are tracking towards your stated goals. This important process helps to ensure that your wealth management plan remains consistent with your current and future objectives.

How we can best support you with your business.

At The TSF Group at Morgan Stanley, we make administering retirement plans easier for our clients, so they can spend more time running their business. We strive to provide our clients with custom solutions to help reduce associated risk and minimize costs in an effort to maximize returns. Our team's experience and guidance helps allow our plan sponsors to effectively navigate the fiduciary landscape among:

  • Defined Contribution Plans
  • Non-Qualified Deferred Compensation Plans and
  • Cash Balance Plans

Plan Consulting: We integrate all aspects such as plan design, vendor research and benchmarking, investment fund lineup oversight, employee education and engagement programs to support financial wellness and retirement readiness, and program management. The TSF Group acts in your best interest by providing strategies that are aligned with your unique investment objectives. Our team's resources seek to deliver beyond traditional consulting to provide a holistic approach to managing your retirement plan.

Your Duty as a Fiduciary: Recently, it has become more complex managing a Corporate Retirement Plan such as a 401(k), 403(B), or Cash Balance. A number of responsibilities fall upon the plan sponsor – from investment management and fee analysis, to documenting fiduciary processes, to working with the recordkeeper – with the intention of helping their employees prepare for retirement. The TSF Group promotes plan sponsor engagement and education to help empower you to make confident and informed decisions about your retirement plan now and in the future.

Our Comprehensive Approach: Our tailored consulting and management of your Corporate Retirement Plan provides an end-to-end process that can be of benefit to the plan sponsor and employees alike including: plan management and risk mitigation, investment management, expense and service provider oversight, and employee engagement through production and delivery of an employee education plan. Our team is positioned to help you review your plan's investment policy statement, select and review investments, evaluate service providers, prepare benchmarking reports, and share best practices. Additionally, our robust investment options at Morgan Stanley allow us to work to help improve outcomes for retirement for your employees while helping the business maintain and adhere to industry standards.

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    Investment Selection & Monitoring
    • Guide Investment Oversight
    • Deliver Stable Value Due Diligence Review & Analysis
    • Provide Ongoing Investment Monitoring
    • Assist with Investment Selection as ERISA 3(21) Fiduciary and ERISA 3(38) Investment Manager, upon request
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    Retirement Plan Management & Risk Management
    • Keep Apprised of Legislative & Regulatory Updates
    • Perform Plan Assessment & Review
    • Provide Strategic Planning
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    Expense Oversight & Management
    • Plan Benchmarking
    • Select Appropriate Service Provider at Reasonable Cost
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    Employee Education & Engagement
    • Set Goals to Help Prepare Employees for Retirement
    • Help Educate Plan Participants

Take a look at the comprehensive wealth management services we offer that allows for the most tailored approach to your situation.

    Financial Planning

    As Certified Financial Planners™ we believe that everybody has a financial plan, either by "design" or by "default". We work with our clients to develop a comprehensive plan by "design" that is disciplined and covers all aspects of their financial life. Whether you are a business owner, retiree, or corporate executive, our team will take the time to understand your unique situation and customize a plan that complements your life.

    Given that many of our clients are busy people, our interactive financial planning tools allow us to work with you either in person or remotely to review and update your plan. Planning to retire soon? Considering the implications of equity compensation plans on your financial goals? Contemplating purchasing a new home? Evaluating the sale of your business? We will work with you to model the effects of your decisions and help determine the best course of action for your financial future. All financial plans we run are unique and involve always changing pieces that need to be maintained and monitored to keep optimal traction. This is why we offer such a wide range of services.

    Estate Planning Strategies

    It's difficult enough to lose a loved one, but leaving your family with an improper or unplanned Estate can leave many issues and cause undue stress for beneficiaries. Therefore, we strive to make your Estate Planning as seamless as possible. We provide access to a broad range of services needed to create an enduring legacy that passes along your values as well as your assets in a tax efficient manner. By collaborating with tax and legal specialists, we can help ensure that your will and trust are functioning the way that works best for your family. In addition, we can match your estate plan with your investments so that they are all synchronized and working appropriately.

    Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third‐party corporate trustee.

    Estate Planning Services
    Corporate Executive Services

    One of the many areas our team focuses on is corporate executive services. We have many clients where a large piece of their net worth is tied up in the equity of their company. They are looking for a plan that takes into account their equity and coordinates it with their other assets and liabilities. We have experience in corporate and stock plan services and the firm is an industry leader in 10b5-1 trading programs, dealing with restricted stock and Rule 144 transactions, and stock option planning. We also have the capabilities to engage in pre-IPO planning around tax and estate management for privately held companies. These are examples of some complexities a corporate executive can face around their equity compensation. Through our experience and disciplined process, we can help you navigate through this intricate environment and help you understand as it relates to your financial plan.

    Corporate Executive Services
    Philanthropic Management

    Many of our clients have Philanthropic needs and goals.

    Our team of professionals can assist you in identifying, organizing, and implementing a philanthropic strategy to affect the change you want to see in the world. Whether it's setting up a Donor Advised Fund or managing a Family Foundation, our experience in this area can help manage this side of your financial plan. In addition, Morgan Stanley is a leader in ESG (Environmental, Social and Governance) investing. We can customize a strategy to your specific values and source appropriate vehicles that fit within your framework.

    The returns on a portfolio consisting primarily of Environmental, Social and Governance ("ESG") aware investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because ESG criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria.

    Stock Plan Services

    As the administrator of your company's equity compensation plan, we pride ourselves on helping you manage your awards effectively. We are here to provide easy access to your account, answer questions about your awards and handle your transactions accurately and conveniently.

    More specifically, we help successful executives and their families create comprehensive wealth plans to simplify and solve factors such as estate planning needs as well as retirement. Our strategies are based on their unique goals, challenges and circumstances. Our detailed knowledge of their plans allows us to begin the planning conversation at a higher level, providing clear insight into one of the more prominent and complex drivers of their financial success.

    Tax Management

    We've all heard the saying, "It's not so much what you make, but what you keep." We try to mitigate investment related taxes for our clients throughout the year. Examples include: Looking at various retirement plan options if you are self –employed or on a w-2; equity compensation strategies to potentially reduce taxes on Incentive Stock Options (ISO's), Non-Qualified Stock Options (NQO), and Restricted Stock Units (RSU's); custom tax-loss harvesting strategies throughout the year to mitigate capital gains taxes; and general tax efficient investing. In addition, we can work closely with your tax advisor to customize a strategy for your family that functions accordingly.

    Insurance Planning

    When it comes to insurance our team provides a holistic approach to helping with this part of your plan. We will have discussions about how different varieties of insurance may be appropriate for your financial plan.

    Morgan Stanley Smith Barney LLC offers insurance products in conjunction with its licensed insurance agency affiliates.

Keeping you informed with the latest insights and research Morgan Stanley has to offer.

Upcoming Virtual Events
Past Virtual Events

March 2026 | Geopolitical Perspectives with Lisa Shalett

In case you missed it, we invite you to watch the replay from our timely geopolitical update with Chief Investment Officer Lisa Shalett, Head of U.S. Policy Monica Guerra, and International Wealth Management Chief Investment Strategist Renato Grandmont as they discussed:

  • Key developments and the significance of the conflict's potential duration
  • Possible paths for energy prices, inflation expectations, rates, and volatility
  • Portfolio considerations, including risk management across global markets
Watch Here

February 2026 | Geopolitical Perspectives with Admiral McRaven

Watch an exclusive virtual event featuring distinguished four-star U.S. Navy Admiral William McRaven and Morgan Stanley Wealth Management's Chief Economic Strategist, Ellen Zentner. The Admiral will share his insights on the current U.S. landscape, geopolitics and diplomacy, drawing from his deep experience as one of the most accomplished military leaders of his era.

In this conversation he will cover: The current state of American affairs and the latest news from Washington, recent developments in global affairs, and a reflection on his storied career in the U.S. Navy.

Watch Here

January 2026 | New Year, New Bill: What it Means for You

Join Chief Investment Officer Lisa Shalett, Head of Financial Planning Anthea Tjuanakis Cox and Head of U.S. Policy Monica Guerra for a timely discussion on the One Big Beautiful Bill Act and what it means for the tax and financial planning landscape.
As you prepare for tax season and review your family's financial plan, this session will help you:

  • Understand the One Big Beautiful Bill Act and its implications
  • Evaluate your current financial plan amid these changes
  • Offer questions to ask yourself or your advisor as you review your portfolio
  • Recognize the core components of a well-constructed financial plan
Watch Here

December 2025 | Year-End Economic and Investment Outlook

This year has seen an unsteady labor market, persistent inflation, geopolitical tensions, and rising tariffs. While the rate of economic growth has slowed, expansion continues as consumers remain resilient and corporations deliver stronger-than-expected earnings. Join Morgan Stanley Wealth Management's Chief Investment Officer Lisa Shalett and Morgan Stanley's Global Head of Research Katy Huberty for a year-end conversation as they discuss:

  • The state of the U.S. economy and the American consumer
  • Economic signals to watch for as we head into 2026
  • Potential tailwinds or headwinds for various asset classes, regions and industries
Watch Here

2025 Wealth Education Series Playlist
Featuring Each Episode Below:

February: Understanding Market Dynamics - Talking About the Big Picture
March: Home Buying: Navigating the Borrowing Landscape
April: Tying the Financial Knot: Navigating Joint Finances and Communication
May: Money & Saving: Financial Planning and Why it Matters to Me
June: Investing 201: Portfolio Diversification and Risk Management
July: Health is Wealth: Cultivating Healthy Habits for Longevity and Prosperity
August: Estate Planning Overview: Caregiver Considerations (The Sandwich Generation)
September: Navigating Insurance
October: Cybersecurity: Social Media Habits
November: Giving Back: The Joy of Philanthropy and Social Impact
December: Thinking about Family Legacy: Understanding Family Governance

View the Playlist

WORKPLACE FINANCIAL BENEFITS WITH MORGAN STANLEY AT WORK

Our mission is to help your company elevate your workplace financial benefits—helping you to attract and retain top talent. Our end-to-end solutions support your company and employees at any stage of growth through a powerful combination of modern technology, insightful guidance, and dedicated service.

    Equity Solutions

    Equity ownership is a powerful motivator. Streamline equity management through our leading-edge technology and provide global audit-ready reporting and insights, alongside customizable participant experiences to engage and educate your employees on how to make the most of their benefits. Our global solutions support private and public companies at any stage of growth.

    • Equity Administration and Financial Reporting
    • Liquidity Events
    • 409A Valuation Services and Cap Table Management

    Learn more
    Retirement

    For your employees, retirement is more than a date in the future—it's a milestone that takes time, hard work, and the right tools. Through our consultative process, we strive to assist with the management of your fiduciary responsibilities and risk, simplify plan management, and help you improve retirement readiness for your employees.

    • Defined Contribution Consulting
    • Solutions-Oriented Plans
    • Fiduciary Investment Oversight

    Learn more
    Deferred Compensation

    Access a range of Nonqualified Deferred Compensation plan services or pick the ones that best fit your needs. We provide recordkeeping and plan design, portfolio construction services, and plan education for your executive talent. We help you determine the appropriate plan design and inform a funding strategy through a needs-based assessment and consultative approach.

    Services include:

    • Recordkeeping and Plan Design
    • Portfolio Construction
    • Wealth Management Services
    Learn more
    Executive Services

    Our dedicated team provides concierge-level support for your executives' equity compensation plans, from 10b5-1 trading plans to form filing related to Rule 144 transactions, to access to wealth management and tax-optimization strategies, so helping them navigate their complex financial needs with greater confidence and certainty:

    • Equity Compensation Services
    • Equity Award Analysis
    • Specialized Solutions
    Learn more
    Saving and Giving

    Saving and Giving benefits can make a real difference in your employees' lives as they can support the things that matter most to them—like saving for education and repaying student loans. Show that you are committed to your employees' priorities with leading-edge solutions that help them chart a path toward financial well-being.

    • College Savings
    • Student Loan Repayment and Refinancing
    • Charitable Giving
    Learn more
    Financial Wellness

    We offer Financial Wellness with every solution we provide. Through a powerful combination of education, digital tools and guidance, Financial Wellness is designed to address the unique needs of your employees and empower their financial journey at every stage. Give your employees the confidence to take charge of their finances.

    • Financial Education
    • Digital Tools
    • Financial Guidance

    Learn more

Location

35 Village Rd
Ste 601
Middleton, MA 01949
US
Direct:
(978) 739-3918(978) 739-3918
Toll-Free:
(800) 343-1291(800) 343-1291

Meet The TSF Group

Photo of Jason Traino

Jason Traino, CFP®, CLU®, CRPS®

Managing Director, Wealth Management, Financial Advisor, Founders Specialist, Corporate Retirement Director, Senior Portfolio Management Director, Workplace Advisor - Equity Compensation
Phone:
(978) 739-3918(978) 739-3918
Photo of Mike Scott

Mike Scott, CFP®, CLU®, CRPS®

Managing Director, Wealth Management, Financial Advisor, Corporate Retirement Director, Senior Portfolio Manager
Phone:
(978) 739-3916(978) 739-3916
Photo of Michele Vincent

Michele Vincent

Wealth Management Associate
Phone:
(978) 739-3929(978) 739-3929
Photo of Maura Lewis

Maura Lewis

Portfolio Associate
Phone:
(978) 739-3936(978) 739-3936
Photo of Timothy Hoffman

Timothy Hoffman, CFP®, CRPC®

Assistant Vice President, Wealth Management Associate
Phone:
(978) 739-9629(978) 739-9629
Photo of Ian O'Brien

Ian O'Brien, QPFC

Assistant Vice President, Business Development Director
Phone:
(978) 739-3941(978) 739-3941
Photo of James Henry

James Henry

Registered Client Service Associate
Phone:
(978) 739-3986(978) 739-3986
Photo of Lindsay Porter

Lindsay Porter

Registered Client Service Associate
Phone:
(978) 739-3961(978) 739-3961
Photo of Emily Garland

Emily Garland

Vice President, Group Director
Phone:
(978) 739-9638(978) 739-9638

About Jason Traino

Jason Traino, CFP®, CLU®, CRPS®

Jason is a Managing Director, Corporate Retirement Director and Financial Advisor with the TSF Group at Morgan Stanley. With over 25 years of experience, he focuses on providing comprehensive financial planning and total asset & liability management to a select group of high-net-worth individuals, families, corporate executives, business entrepreneurs and institutional clients.

Outside the firm, he frequently appears on lists of the top advisors in the country. In 2023 and 2024 Jason and his Team were named to Forbes America’s Top Wealth Management Teams. From 2018-2023, Jason was named to Forbes Magazine’s list of America’s Best –in –State Wealth Advisors*. In 2022-2023, he was named to Barron’s Top 1200 U.S Financial Advisors*. Jason was also named to the Financial Times list of Top 401k Retirement Advisors*, a distinction given to the top 401k plan advisors across the broker-dealer and RIA channels. Within Morgan Stanley, Jason has earned the title of a Corporate Retirement Director, a designation given to approximately 180 out of 15,000 firm –wide advisors specializing in the retirement plan market and the designation of Workplace Advisor –Equity Compensation for his work with corporate stock and 10b5-1 plans.
(*See honors section for awards disclosures.)

Prior to joining Morgan Stanley and its predecessors in 2008, Jason was a top Wealth Management Advisor at UBS & Merrill Lynch for 11 years. Continually refining his skills and deepening his knowledge base, Jason is a Certified Financial Planner™, Chartered Life Underwriter®, & Chartered Retirement Plans Specialist®. He received his CFP® designation from Merrimack College. Jason utilizes this deep knowledge and experience to deliver comprehensive solutions to both his Wealth Management and Institutional 401k clients.

A graduate of Springfield College, Jason coaches other Morgan Stanley Financial Advisors on how to run a successful wealth management practice. Jason is also a former co-chair of Morgan Stanley’s Consulting Group Advisory Board. In this regard, Jason advises and consults on this business line that manages over $1.5 trillion in client assets across the firm.

Jason, his wife Marissa, their son Niklas, and daughter Keeley, reside in North Reading, MA. He enjoys coaching all his kids sports teams (soccer, basketball, baseball, flag football) and volunteers his time on the North Reading Youth Basketball Board. In addition, he enjoys exercising, playing basketball on Sunday mornings and golfing.


2018-2023 Forbes Best-In- State Wealth Advisors
Source: Forbes.com (Awarded 2018-2023) Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.

Barron's Top 1,200 Financial Advisors: State-by-State
Source: Barron's.com (Awarded Mar 2022 & 2023) Data compiled by Barron's based on time period from Sept 2020-2022.
©2022 Morgan Stanley Smith Barney LLC. Member SIPC.

2012-2022 Five Star Wealth Manager Award
Source: fivestarprofessional.com (Awarded 2012-2022) The award was determined based on an evaluation process conducted by Five-Star Professional based on objective criteria. The award was not based on a specific time period.
Securities Agent: TX, VT, NC, UT, RI, ID, DC, CO, AL, WA, PR, KY, IN, HI, GA, NV, FL, WY, OR, MD, IL, DE, CA, VA, OH, NY, ME, NH, MN, MI, MA, KS, AZ, SC, PA, NM, NJ, TN, MT, IA, CT; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 900143

About Mike Scott

Mike G. Scott, CFP®, CLU®, CRPS®

Mike G. Scott is a Managing Director, Corporate Retirement Director, Senior Portfolio Management Director, and Financial Advisor with The TSF Group at Morgan Stanley. With 30 years of experience, Mike focuses on portfolio management and total holistic wealth management planning for corporate clients and high net worth individuals and their families.

Within Morgan Stanley, Mike has earned the title of Corporate Retirement Director a designation given to less than 2% of Morgan Stanley Financial Advisors as of December 2023. He has also attained the chartered retirement plan specialist® certification and works closely with corporate clients to consult and implement employer retirement plans. Finally, within Morgan Stanley, Mike has also earned the designation of a Workplace Advisor – Equity Compensation for his work with corporate stock and 10b5-1 plans.

As a Senior Portfolio Management Director, Mike strives to identify, construct, and manage investment portfolios in accordance to client needs and objectives. He also holds the title of Certified Financial Planner™, which allows Mike to create financial plans based on client goals. He feels that investment recommendations are better aligned after you get to know your client. Additionally, Mike holds the designation of Chartered Life Underwriter®, and can help clients with questions surrounding life insurance and long-term-care insurance.

In his free time Mike enjoys spending time with his family skiing and going to his son’s hockey games. An avid sports fan, he enjoys skiing, hockey, and golf.


2012, 2013, 2014, 2015, 2016, 2017, 2018, 2019, 2020, 2021, 2022 Five Star Wealth Manager Award
Source: fivestarprofessional.com (2012, 2013, 2014, 2015, 2016, 2017, 2018, 2019, 2020, 2021, 2022) The award was determined based on an evaluation process conducted by Five-Star Professional based on objective criteria. The award was not based on a specific time period.

2016, 2017, 2019 Financial Times 401 Top Retirement Advisors
Source: ft.com. Data compiled by the Financial Times based the following time periods: Awarded 2019; data 12/31/15 - 12/31/18, Awarded 2017; data 12/31/14 - 12/31/16, Awarded 2016; data 12/31/13 - 12/31/15
Securities Agent: ID, KY, VT, MO, GA, FL, WV, WA, TN, RI, OR, OH, IN, DC, CA, PR, NV, MA, IL, CO, AZ, WY, NM, NH, MD, DE, VA, KS, IA, HI, CT, TX, NY, MN, AL, NC, MS, UT, PA, MI, ME, LA, SC, OK, NJ, MT; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1255347

About Jacob Fudge

Jacob M. Fudge, QPFC

Jacob M. Fudge is a Financial Advisor with The TSF Group at Morgan Stanley. Since joining the team in 2018, he has focused on delivering tailored financial planning for high-net-worth families. Jacob builds strategies that go beyond investment management – he focuses on the bigger picture, guiding clients through a disciplined planning process that connects their wealth with their goals, values and aspirations. This multi-step process aids in simplifying complex financial decisions and helps his clients move forward with clarity and confidence. His dedication to this process has earned him the designations of Financial Planning Specialist and Portfolio Manager. He also holds the Qualified Plan Financial Consultant designation, along with Workplace Advisor – Equity Compensation designation for his experience in corporate retirement plans, corporate stock plans and 10b5-1 plans.

Jacob holds his Series 7, Series 66 and Health and Life Insurance licenses. He earned a degree in business and finance from Bridgewater State University, where he combined leadership and academics as captain of the Men’s Lacrosse team and as a founding member of the school’s investing club.

Outside of work, Jacob makes the most of New England’s seasons – golf and tennis in the summer, skiing in the winter, and fitting in hiking and biking whenever he can. He and his wife, Brooke, live on the North Shore with their son, Beauden and dog, Oakley.
Securities Agent: AL, CO, RI, MS, IA, UT, MO, ID, DE, CA, PR, NM, NH, KY, IN, CT, HI, FL, DC, TX, OH, NV, NC, IL, GA, ME, AZ, VT, PA, OR, MT, MA, VA, SC, MI, LA, KS, WA, TN, NJ, MN, MD, WY, WV, OK, NY; General Securities Representative; Investment Advisor Representative
NMLS#: 1750453

About Michele Vincent

Michele Vincent - Wealth Management Associate

Michele Vincent is a Wealth Management Associate with The TSF Group at Morgan Stanley. With 32 years of experience in the financial services industry, Michele focuses on client services and client communications for the group.

A veteran in the financial services industry, Michele started her career with Advest, Inc. in 1982. She subsequently spent 15 years with Wachovia Securities as a Vice President and Complex Operations Manager. She joined Morgan Stanley Smith Barney and its predecessors in 2006. She holds Series 3, 7, 63, 65, and Health and Insurance licenses.

Outside the office her hobbies include kayaking, camping, and gardening. She enjoys spending time with her husband Denis and their two daughters.

About Maura Lewis

Maura Lewis - Portfolio Associate

Maura Lewis is a Portfolio Associate with The TSF Group at Morgan Stanley. With 26 years of experience in the financial services industry, Maura concentrates on client services and communications for the team.

Beginning her career with PaineWebber in 1991, she served first as a Registered Sales Associate and then spent 12 years as a Branch Operations Manager through the firm’s merger with UBS in 2001. Maura holds the series 7 and 63 licenses. She joined Morgan Stanley through its predecessors in 2009.

Maura’s hobbies include skiing and exercising, and she is passionate about all levels of sports. Maura lives with her husband Barry, and their two daughters in Beverly, MA.

About Timothy Hoffman

Timothy Hoffman, CFP®, CRPC® –Wealth Management Associate

Tim Hoffman is a Wealth Management Associate with The TSF Group at Morgan Stanley. Tim concentrates on developing financial plans and financial goal analyses.

Tim started his finance career with Bank of America Investment Services, Inc. in 2007. He joined Morgan Stanley in 2016 after spending 7 years with Bank of America/Merrill Lynch in various roles, ending as a Financial Solutions Advisor, and 1 ½ years with Santander Securities LLC as a Financial Consultant.

Tim is a CFP® and a Chartered Retirement Planning Counselor®. He holds the Series 7, 66, and Health and Life Insurance licenses.

Tim resides in North Billerica, MA with his wife, Jill, and his son, Tanner. When not in the office, Tim enjoys spending time playing with his son, working out, and watching the local Boston sports teams.

*Disclaimer: This role cannot solicit or provide investment advice

About Ian O'Brien

Ian O’Brien, QPFC® - Group Director

Ian O’Brien is The Group Director for The TSF Group at Morgan Stanley. Ian has been a member of The TSF Group since June of 2016. He concentrates on portfolio construction, fund analysis and ensuring all the team’s clients receive the highest degree of service. He primarily focuses on providing the highest degree of service to the team’s corporate 401(k) clients. Ian helps Plan Sponsors manage their 401(k) plans by assisting with fiduciary responsibility, analyzing funds in the plan, benchmarking plan fees for reasonableness, consulting on plan design, providing employee education and help selecting a 401(k) recordkeeper. Ian also regularly meets with participants of the team’s 401(k) plans to ensure they utilizing the 401(k) plan in a meaningful way. Ian holds the Qualified Plan Fiduciary Consultant (QPFC®) designation, which provides a strong understanding of how to effectively evaluate, design, implement and manage employer-sponsored retirement plans.

A graduate of the College of the Holy Cross with a Bachelor’s degree in Economics, Ian began his career in the financial services industry as an Investment Analyst with a 401(k) Defined Contribution consulting firm. Joining The TSF Group in 2016, Ian completed his Series 63, 65, 7, and Health and Life Insurance licenses shortly after coming to the firm.

In his free time, Ian plays ice hockey every week and watches as much Boston sports as he can. Relishing every opportunity to get outside including golfing, snowboarding and hiking, but he enjoys the beach most of all. Ian lives in Lynn, MA with his wife, Clare, their newborn Seamus and their dog Cricket.

*Disclaimer: This role cannot solicit or provide investment advice

About James Henry

James Henry - Registered Client Service Associate

James Henry is a Registered Client Service Associate for The TSF Group at Morgan Stanley. His specialty lies in consistently providing exemplary customer service to maintain effective and mutually beneficial client relationships. James currently holds the Series 7, 63, and 65 licenses.

A graduate of Saint Anselm College, James earned his Bachelor’s degree in Finance and Marketing. Active in a variety of roles across the St. Anselm community, James served as a two-year captain of the men’s golf team and performed in a student band.

In his leisure time, James enjoys golfing, songwriting, and attending as many Boston Bruins games as possible. He currently resides in Reading, MA.

About Lindsay Porter

Lindsay Porter is the newest member of TSF group at Morgan Stanley. Lindsay is joining the team as a Client Service Associate and will be focused on providing the highest degree of service to all our clients.

A dedicated scholar, Lindsay graduated from the University of Massachusetts, Amherst with a bachelor’s degree in Economics and Political Science with a History minor. On campus, she was President of the Economics club and spent a semester overseas in Florence, Italy, combining her passions of travel and learning. Outside of work, Lindsay enjoys skiing, cooking, and spending time with her family and loved ones. She currently resides in Topsfield, MA.

About Emily Garland

Emily Garland began her career with Morgan Stanley in early 2018 as part of the Fixed Income Operations team in Baltimore, Maryland. In 2019, she was invited to be part of the inaugural class of the Virtual Engagement Associate (VEA) program in Purchase, New York. In June 2022, Emily transitioned into the Business Service Officer role at the branch level, where she excelled as a leader in building and executing strategies that supported market-wide initiatives.

In her role as Group Director, she will be responsible for refining and leading the operations of the team while maintaining a strong commitment to deepening client relationships.

She earned her BA in Economics from St. Mary’s College of Maryland and holds her Series 7, 66, 24, 9, and 10 licenses. Emily spends her time in the garden or on the golf course near where she resides in New Hampshire.

Awards and Recognition

Barron's Top 250 Private Wealth Management Teams
Barron's Top 250 Private Wealth Management Teams ​Source: barrons.com (Awarded May 2024) Data compiled by Barron's for the period Jan 2023-Dec 2023.
Barron's Top 1,200 Financial Advisors: State-by-State
2022-2023 Barron's Top 1,200 Financial Advisors: State-by-State (formerly referred to as Barron's Top 1,000 Financial Advisors: State-by-State) Source: Barrons.com (Awarded 2022-2023). Data compiled by Barron's based on 12-month period concluding in Sept of the year prior to the issuance of the award.
Forbes America's Top Wealth Management Teams
2023-2025 Forbes America's Top Wealth Management Teams Source: Forbes.com (Awarded 2023-2025). Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of year the award was issued.
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.
Forbes Best-In-State Wealth Advisors
​2018-2025 Forbes Best-In- State Wealth Advisors Source: Forbes.com (Awarded 2018-2025). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
NAPA's Top DC Advisor Teams
​2024-2025 NAPA's Top DC Advisor Teams Source: Source: napa-net.org (Awarded ​2024-2025) Data compiled by NAPA based on self-reported assets under advisement as of Dec 31 of the year prior to year the award was given.
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The Power of Partnerships

By partnering with experienced individuals across wealth disciplines, Morgan Stanley Financial Advisors can align specialized resources with your custom needs and deliver strategic guidance through the familiarity and trust of existing relationships
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Evan Patterson

About Evan Patterson

Evan Patterson is a Private Banker serving Morgan Stanley Wealth Management offices in Rhode Island, Massachusetts and New York.

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.

Evan began his career in financial services in 1999. Prior to relocating to the Northeast, he served as a Private Banker in the Tampa Bay area. Before joining Morgan Stanley in 2010, Evan spent 10 years in high net worth lending at Merrill Lynch supporting teams in New York City, Los Angeles, and Jacksonville. He began his career as a Securities Based Lending Officer before rising within the firm, holding several other positions including Priority Loan Officer, Associate Mortgage and Credit Specialist, Consumer Finance Specialist and Banking and Liquidity specialist.

Evan is a graduate of the University of Florida, where he received a Bachelor of Science in Business Administration with concentration in Finance. He lives in East Greenwich, Rhode Island with his family. Outside of the office, Evan enjoys painting, watching cinemas, reading books, and listening to vinyl records.
NMLS#: 800467
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

Wealth Management
From Our Team

2025 Year-End Financial Checklist

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Wealth Management
Global Investment Office

Portfolio Insights

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Equity Compensation

Helping you make the most of your equity awards and better understand how it may fit into your your larger financial picture – today and tomorrow.

  • Vesting events
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Retirement

Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
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A Simple Six-Step Retirement Checkup
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A Simple Six-Step Retirement Checkup

Checking in on your retirement plan may make a lot of sense, especially when market volatility arises.

Investing

Working closely with you to guide your wealth and investments through the most challenging market cycles.
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Iran Conflict: Seven Takeaways for Investors
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Iran Conflict: Seven Takeaways for Investors

Prolonged conflict with Iran could lead to higher oil prices, hotter inflation and greater market uncertainty.

Family

Creating customized financial strategies for the challenges that today’s families face.
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529 Plans: A Powerful Tool to Save for Education
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529 Plans: A Powerful Tool to Save for Education

Though education costs continue to climb, starting to save and invest early can make a difference.

Business Planning

Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
  • Succession Planning
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Financial Planning for Life After Selling a Business
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Financial Planning for Life After Selling a Business

Selling your business can mean big changes for your life, both personally and financially. Know how to make the most of your windfall.

Philanthropy

Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
  • Endowments
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Donor Advised Funds: A Smart Way to Manage Your Giving
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Donor Advised Funds: A Smart Way to Manage Your Giving

There's more to charitable giving than you may realize. Here's one method that may be a tax-efficient way to give and can help maximize your impact.

Retirement for Plan Sponsors

End-to-End Services, Made Simple:
We can provide the tools and guidance to help you manage a retirement plan.
  • Plan Evaluation
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Small Business Retirement Plans
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Small Business Retirement Plans

Learn about retirement plans for smaller businesses and how to select the right type for you and your employees. Compare SEP or SIMPLE IRAs vs 401(k)s.

Financial Wellness

Enhancing Financial Wellness enables your workforce to do their best work. Companies that invest in financial wellness have an opportunity to:
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The Business Case for a Financially Resilient Workforce
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The Business Case for a Financially Resilient Workforce

In the face of turbulent markets, the word “resilience” may be top of mind. Broadly speaking, resilience is the ability to “bounce back” when encountering life’s inevitable challenges.
Ready to start a conversation? Contact The TSF Group today.
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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.

For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.

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2Morgan 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

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3Morgan 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.

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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.

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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.

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6Investors should consider many factors before deciding which 529 plan is appropriate. Some of these factors include: the Plan's investment options and the historical investment performance of these options, the Plan's flexibility and features, the reputation and expertise of the Plan's investment manager, Plan contribution limits and the federal and state tax benefits associated with an investment in the Plan. Some states, for example, offer favorable tax treatment and other benefits to their residents only if they invest in the state's own Qualified Tuition Program. Investors should determine their home state's tax treatment of 529 plans when considering whether to choose an in-state or out-of-state plan. Investors should consult with their tax or legal advisor before investing in any 529 Plan or contact their state tax division for more information. Morgan Stanley Smith Barney LLC does not provide tax and/or legal advice. Investors should review a Program Disclosure Statement, which contains more information on investment options, risk factors, fees and expenses and possible tax consequences.

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7Products 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.

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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.

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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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Awards Disclosures | Morgan Stanley
CRC 4665150 (8/2025), 4763067 (9/2025)