Our Story and Services

Our mission is to provide individuals, families, and institutions with comprehensive, customized financial strategies designed to help address their unique goals and evolving needs. Through a disciplined, planning-based approach and access to the full capabilities of Morgan Stanley—including investment management, fiduciary guidance, estate and succession planning strategies, and institutional resources—we aim to deliver clarity amidst complexity. Our team is committed to providing an exceptional level of professional service, intellectual capital, and strategic insight, helping clients preserve and grow their wealth while pursuing long-term financial success with confidence.

The Tufton Group has been recognized for their commitment to excellence:

Shawn Halsey and Scott Hesekiel both being named Best in State Wealth Advisors in 2025.

Forbes Best-In-State Wealth Advisors (2025)
Source: Forbes.com (Awarded April 2025) Data compiled by SHOOK Research LLC for the period 6/30/23 - 6/30/24.
morganstanley.com/disclosures/awards-disclosure.html

Services Include
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*

Our Approach

Our disciplined, personalized approach begins with understanding your unique goals and financial landscape. We develop integrated strategies—including tax, estate, and asset allocation plans—tailored to help preserve, grow, and transfer your wealth. Leveraging Morgan Stanley’s resources and ongoing collaboration with your external advisors, we implement and continuously monitor your plan to adapt to life’s changes, seeking to ensure long-term financial success with clarity and confidence.
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    1. Introductory Call
    We begin with an informal conversation to understand your financial concerns and determine how we can add value. If we all agree to move forward, we'll schedule our next meeting and request important financial information.
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    2. Discovery
    We continue the dialogue we started, learning about the values that shape your decisions and identifying any unique circumstances around your wealth. We review the documents you prepared and begin to define your priorities and timelines.
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    3. Analysis and Plan Development
    Here, we utilize comprehensive financial planning tools to develop a personalized and detailed financial plan with specific recommendations to help you grow and preserve your wealth. This serves as the foundation for building your initial plan, as well as future wealth management decisions.
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    4. Plan Presentation
    In this step, we will present your financial plan that includes an investment portfolio that aligns your investments with your goals, timeframe, and risk level. We also discuss other wealth management solutions that may include risk management techniques.
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    5. Implementation
    Upon your approval of my recommendations, we begin to implement the strategies outlines in the plan. Once assets have been transferred to Morgan Stanley and are aligned with your investment strategy, walk you through the details of your new statement and introduce all the tools and recourses available to you.
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    6. Continued Service and Care
    Committed to premium service, we focus on developing a relationship that provides special value to you and your family. As we begin to implement each strategy, we also want to continue to provide top tier attention to stay on top of those financial objectives and maintain a strong relationship with you.

Modern Wealth Tools

Our comprehensive suite of digital tools are designed to help enhance every aspect of your financial life. Here are a few of the technologies we have to offer our clients.
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    Morgan Stanley Online
    Your investments and everyday finances are always just a few clicks away with Morgan Stanley Online (MSO) and the Morgan Stanley Mobile App.
    Learn More About MSO
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    Cybersecurity
    At Morgan Stanley, safeguarding your assets and personal information is among our highest priorities. Learn about our security measures and use our resources and ideas to help protect yourself online.
    Learn More About Online Security
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    eDelivery
    eDelivery provides you with the ability to view statements and other Firm documents electronically in lieu of paper. Clients who are registered in Morgan Stanley Online may enroll in eDelivery.
    Enroll in eDelivery
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    Total Wealth View
    Complete your financial picture with Total Wealth View. By linking your account information, you will benefit from more informed wealth planning, more secure data access, and convenient connectivity.
    Learn More About Total Wealth View
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    Digital Vault
    Keeping important documents and financial records organized and readily available is one of the best gifts you can give those you love. In the event of catastrophe or serious illness, disability or death, your Family Records Organizer can immediately provide vital, timely information to both your family and professional advisors.
    Digital Vault
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    Portfolio Risk Platform – Powered by Aladdin
    Portfolio Risk Platform – Powered by Aladdin is a risk management platform that provides comprehensive risk estimation and reporting across a broad range of asset classes and security types. This platform provides a holistic view to better enable risk to be effectively monitored and managed.
    Portfolio Risk Platform – Powered by Aladdin
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    eSign
    eSign is a digital, paperless alternative to the traditional means of obtaining signatures from clients on paperwork. There is no registration process for you to begin using eSign - all you need is a valid email address and phone number.
    Learn more about eSign
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    GIC On the Markets
    Detailed market commentary from Morgan Stanley's thought leaders on topics such as global equities, fixed income, monetary policy and more.
    Read the Latest Report
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    GIC Weekly
    The Global Investment Committee's Lisa Shalett headlines this weekly look at markets, asset class performance and fixed income.
    Read the Latest Report
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    MS Reserved
    Reserved Living & Giving is a tiered complimentary loyalty program that rewards clients with over one million dollars in assets and liabilities invested at the firm. The program is designed to enhance your lifestyle and relationship with the firm beyond traditional wealth management services.
    Learn more about MS Reserved
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    Thoughts On the Market Podcast
    With perspectives on the forces shaping the market, join Mike Wilson, Chief Investment Officer and Chief US Equity Strategist for Morgan Stanley, as he and his colleagues discuss a variety of viewpoints regarding the latest trends in the financial marketplace.
    Watch the Latest Episodes

Welcome to the Tufton Group

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We are proud to introduce our dynamic team of young financial advisors: Ray, Katherine & Ryan. Each brings a fresh perspective and a deep commitment to helping guide the next generation toward financial success. With a keen understanding of modern financial challenges and potential opportunities, they are dedicated to crafting personalized strategies that can help align with your unique goals.

Whether you're navigating student loans, planning for your first home, or exploring digital investment platforms, Ryan, Ray, and Katherine are here to help provide the insights and support you need to help you thrive in today's ever-evolving financial landscape. Discover how the Tufton Group can help you achieve your financial aspirations with confidence and clarity.

The Tufton Group at Morgan Stanley

About the Team
The Tufton Group at Morgan Stanley is led by Scott Hesekiel, Shawn Halsey, and Steve Young, who collectively bring over 96 years of experience in the financial industry. Scott, the founder of the Tufton Group, emphasizes understanding client needs and building long-lasting relationships. Shawn, with over 24 years of experience, focuses in working with institutional clients and high-net-worth families. Steve, with more than 32 years of experience, focuses on providing tailored financial planning and investment strategies.
The History Behind The Tufton Group Name
Many years ago, we chose this name not only because Tufton Avenue is a well-known thoroughfare with historical relevance here in Northern Baltimore County, but also because this road runs through many of the beautiful horse farms very close to our Hunt Valley office, where now all three of our teams are located together.

Our Support Team
Our support team includes Nikki Middlestadt, Sarah Singh, Madison Smith, and Andy Heyman, who are dedicated to providing comprehensive services to help meet clients' needs.

The Tufton Group is one of the largest teams in the Hunt Valley branch and one of the most experienced within the Morgan Stanley Greater Chesapeake Complex.

Location

303 International Circle
Ste 500
Hunt Valley, MD 21030
US
Direct:
(410) 229-8226(410) 229-8226

Meet The Tufton Group

About Scott J. Hesekiel

Scott J. Hesekiel is a seasoned Wealth Advisor at Morgan Stanley, with over 40 years of experience in the financial industry. During that time, Scott founded The Tufton Group, a team dedicated to addressing the comprehensive investment consulting needs of their clients. His commitment to understanding client needs and building long-lasting relationships is a cornerstone of his practice.

Scott has spent his entire career at Morgan Stanley, where he has developed a reputation for his dedication to helping clients achieve their financial goals. He holds a B.S. in Economics and Business Administration with a concentration in Finance from Towson University. As founder of The Tufton Group, he helps to oversee a team of fifteen professionals who work collaboratively to provide tailored investment consulting services. His approach is client-centric, focusing on listening to and understanding individual needs and goals to foster strong, enduring relationships. In recognition of his commitment to excellence, Scott was named a Forbes Best-in-State Wealth Advisor for 2025.

His commitment to professional development is evident in his pursuit of the CERTIFIED FINANCIAL PLANNER® designation. The certification process was rigorous, involving an 8-month comprehensive course and a challenging two-day, 10-hour examination. As a CFP professional, he is legally and ethically obligated to act in the best interests of his clients, reinforcing his role as a fiduciary. This designation underscores his dedication to maintaining the highest standards of financial planning and client service.

Beyond his professional life, Scott is a family man with four grown children. He resides in Lutherville, Maryland, with his wife, Paula, and their Australian Labradoodle, Bella. In his leisure time, he enjoys fitness, travel, and golf, which contribute to his well-rounded lifestyle and ability to connect with clients on a personal level.


Forbes Best-In-State Wealth Advisors (2025)
Source: Forbes.com (Awarded April 2025) Data compiled by SHOOK Research LLC for the period 6/30/23 - 6/30/24.

https://www.morganstanley.com/disclosures/awards-disclosure.html
Securities Agent: NM, DC, VA, MI, HI, WI, OH, VT, NY, MT, SC, OK, NH, LA, KY, WV, TX, OR, NC, IN, SD, PA, NE, MO, MD, KS, CA, PR, WA, TN, GA, CO, AZ, AR, UT, NJ, ME, IL, FL, DE, CT, AL, MS, MN, MA; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 1262240

About Me

Shawn began his career with Morgan Stanley in 2001 and has more than 24 years of working with institutional clients and high-net-worth families to address their wealth management needs. He was again recognized on the Forbes "Best-in-State Wealth Advisors" list in 2025. In addition, he holds the Certified Private Wealth Advisor®(CPWA®) designation, awarded by the Investment & Wealth Institute™ and the Chartered Retirement Planning Counselor SM (CRPC®) designation.

Our team works with clients to articulate the vision of their future by divulging their aspirations, needs, family dynamics, and priorities. Our commitment to understanding a vision enables us to shape the plan that provides our clients with a deeper understanding of the appropriate risk, target rate of return, and objectives to help increase the likelihood of success. Together, with the comprehensive resources provided within Morgan Stanley, our team strives to create a cohesive approach. Incorporating our clients’ advisors, including their own accountants and attorneys, assists the team in effectively executing our clients' plan.

Shawn believes that the confidence and trust created through this team process is integral in his relationships with the families for which they serve.

Shawn views ‘time’ as a valuable commodity for clients. The team strives to provide their clients the confidence in knowing that their vision is supported by a team of professionals that share in the determination to achieve their success, and that has the resources available to be efficient and effective in the implementation of a plan.

Outside of the office, Shawn is an active alumnus of York College of Pennsylvania, where he serves as a member of the Board of Trustees. He believes in mentorship, continuing education, community leadership and accountability.

Shawn and his wife reside in Lutherville-Timonium, Maryland, with their three children and two Rhodesian Ridgebacks.
Securities Agent: MS, AZ, VA, NJ, ME, IL, CO, WA, VT, TX, NM, TN, NV, KY, AL, MN, MD, MA, CA, WI, PR, OH, NY, MT, GA, MO, IN, DC, CT, PA, OK, NC, SC, NH, DE, AR, FL, WV, UT, LA, HI; General Securities Representative; Investment Advisor Representative

About Me

With over 32 years of experience, Steve is dedicated to providing clients with the best individually-tailored financial planning and investment strategies available. His passion is to build enduring client relationships through outstanding guidance & service. He advises clients on wealth accumulation, preservation, and transfer through the creation of individually-customized wealth management plans. He focuses on investment portfolio development/implementation, liability management, tax efficiency planning, & asset preservation. He puts emphasis on ensuring clients can have have sufficient income for long/comfortable retirements.

Steve also works with businesses & charitable organizations by providing cash management services/strategies, retirement plan services, & endowment fund investment management. He manages assets for several highly-regarded & easily-recognizable charities. He has enjoyed great success in the highly specialized area of board-controlled/fiduciary-responsible asset management.

He has volunteered his time as a soccer, football, & lacrosse coach/administrator in the Baltimore area & has been active in his church & community. He is a former President of his US Naval Academy Class (1984), a past Board Member to that institution's Alumni Association & a former member of their Joint Investment Committee. Steve holds a Masters Degree in Business Management along w/ his undergraduate Bachelor of Science degree from the US Naval Academy. He also graduated from Wharton Business School’s Executive Education course in 2001.

After achieving the rank of Commander (O-5) as a Pilot in the Navy, he retired in 2000. Steve is now a Senior Vice President; Senior Financial Advisor and Portfolio Management Director with Morgan Stanley. He's married w/ 4 children, & has lived & worked in Towson/Hunt Valley, MD as a FA since the fall of 1992.
Securities Agent: AL, ME, GA, AR, OK, NY, NC, MS, CT, CA, WI, WA, VA, NH, MO, HI, FL, DC, WV, LA, IL, KY, VT, MD, NM, MT, MN, MI, DE, UT, TN, SC, PA, IN, TX, OH, NJ, MA, CO, AZ; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 532968

About Me

Rich brings over 40 years of business and entrepreneurial experience in the Financial Services industry to his role at Morgan Stanley. Before joining the firm in 2022, Rich served as Chief Operating Officer of a large Mid-Atlantic lender and went on to successfully operate his own firm for 14 years. He also held the position of President and Owner of a Real Estate Investment company, further broadening his experience in wealth and asset management. From 2011 until his move to Morgan Stanley, Rich worked at Merrill Lynch, where he built a strong reputation for client-focused service.

As a Financial Advisor, Rich is dedicated to helping individuals, families, and successful business owners navigate life’s complex financial landscape. His mission is to build lasting relationships and help guide clients through all stages of wealth—from accumulation to preservation and legacy planning—with thoughtful, customized strategies. Rich believes in a comprehensive approach, helping clients make informed decisions that consider both sides of their balance sheet.

Rich works with the same level of care and commitment he would offer his own family, building confidence through integrity and high-touch service.

A longtime resident of Columbia’s River Hill community since 1993, Rich enjoys spending time with his wife, Lisa, and their two children, Blake and Stefani. Outside the office, he’s an avid tennis player, cyclist, and motorcyclist. Rich also served as a lacrosse coach at River Hill High School, demonstrating his passion for mentorship and community involvement.
Securities Agent: MT, LA, UT, MI, TN, OH, NY, NM, NH, KY, MN, MA, IN, CO, WA, NV, FL, WI, NJ, MO, IL, CA, AZ, VA, TX, HI, GA, DE, DC, PR, CT, AR, OK, NC, MD, AL, ME, WV, SC, PA, MS, VT; General Securities Representative; Investment Advisor Representative
NMLS#: 199899

About Malcolm E Steigerwald

I am a Vice President, Senior Portfolio Manager, Alternative Investments Director, Chartered Retirement Plans Specialist, and Financial Advisor at Morgan Stanley. I have been with Morgan Stanley since 2002. I am also licensed in the Health & Life insurance space. I have over 20 years of experience in finance and over 30 years of experience as a business owner.

I focus on creating customized wealth management strategies for clients with a particular emphasis on portfolio management. In addition, where appropriate, I leverage my experience in the alternative investment space to help my clients achieve their financial objectives. I am constantly looking to provide results for my clients and will determine the products I utilize according to those results.

Being a business owner for over 30 years, with offices and manufacturing plants in 3 states and up to 200 employees, has provided me with the ability to have a better understanding of the challenges that face business owners and the passion for building personal relationships with clients.


I am heavily involved in the community and with philanthropy having served as the Former Commissioner of The Baltimore City Economic Development Commission, former member of the Foundation Board of The Community College of Baltimore County and former President of The Leukemia Research Foundation. In addition, I am a member of The Tupenny Club of Baltimore, The Honorable order of Kentucky Colonels and the Worldwide Kenpo Karate association.

California Insurance License Number 0M42810
Securities Agent: SD, MN, VA, CO, AL, UT, OH, DC, AZ, WV, SC, NY, NJ, MT, CT, CA, WI, WA, KS, HI, DE, PA, IL, NM, LA, NC, ME, FL, NH, MA, KY, TX, OK, IN, GA, VT, TN, MO, MD, MS, AR; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1288132

About Roy A Longanecker III

Roy A. Longanecker III is a Vice President, Senior Portfolio Manager and Financial Advisor with the Tufton Group. He joined Morgan Stanley in 2009 and has over 25 years of experience in the industry.

Roy grew up in a single parent household that saw his mom struggle with planning for retirement. This upbringing helped to create a passion for helping people with similar circumstances. He felt strongly that not only could he help his mom, but that he could provide the right guidance for all people that needed help in reaching their financial goals.

With a skill set in Portfolio Management, Roy provides a Financial Planning based experience with a 4 Step Disciplined Process (1) Discovery (2) Forming your strategy (3) Implementing your plan (4) Measuring your Success. This process allows him to not only build a relationship with his clients, but help them reach their personal goals in a strategic way.

In his free time, Roy is a Freemason and Shriner.

California Insurance License Number M42369
Securities Agent: VT, GA, OH, MA, AL, WV, WA, UT, TN, OK, MD, WI, DE, DC, IL, CO, MS, NM, NJ, NH, MT, MN, HI, LA, AR, SC, NC, MO, IN, CA, AZ, VA, PA, FL, CT, TX, NY, ME, KY; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1278930

About Me

Raymond Sheedy is a Vice President, Financial Advisor, and Senior Portfolio Manager with The Tufton Group at Morgan Stanley. Ray focuses on 3 core areas with clients. First is Financial Planning, which broadly encompass retirement planning, tax efficiency, estate planning strategies, insurance needs, liability/mortgage funding, and many other related financial planning topics. Second is Investment Management, the goal is to filter down the investment universe and build portfolios that are well aligned with client goals and risk preferences to give them a high probability of success with their investment program during both good and bad investment environments. Third is client service - Ray takes pride in his team's proactiveness and responsiveness to clients, providing a consistent and high level of service.

"I like thinking about long-term investment success and building wealth overtime… I really enjoy building a financial plan that clients can put into action today that allows them to create wealth for themselves and their family while living a lifestyle they desire."

Ray started in the industry in the fall of 2007 at Citi Smith Barney. He moved to Merrill Lynch in spring of 2009 and spent the next 14 years there, ultimately moving to Morgan Stanley in December 2023. Ray attended University of North Carolina at Charlotte where he studied Finance. While there, Ray was an avid golfer, ranking in the top 20 of all collegiate D1 golfers nationwide during his junior year and winning the A10 Student Athlete of the Year in 2006. Ray also holds his CERTIFIED FINANCIAL PLANNER® (CFP®) and Qualified Plan Financial Consultant (QPFC) designations, accolades denoting experience in financial planning and working with institutional retirement plans.

Ray resides in York County, PA with his wife, Kelly, and four daughters. Outside of the office, Ray enjoys competing in golf tournaments and continuous learning through reading and listening to publications. In addition, he can regularly be found coaching his kids' soccer and basketball games.
Securities Agent: NM, NJ, NH, DC, VA, AZ, NC, MS, LA, GA, FL, WV, NY, WA, TX, OK, OH, MO, ME, KY, HI, AR, AL, WI, TN, CO, PA, MT, MI, MA, VT, MN, MD, UT, IN, IL, CT, SC, DE, CA; General Securities Representative; Investment Advisor Representative
NMLS#: 1196830

About Me

David joined Morgan Stanley in 2022 and has more than 30 years of experience in the financial services industry. David has expertise in working with families of significant wealth in helping to address their wealth management needs, collaborate in addressing family dynamics, educating the next generation and delivering a boutique client service experience.

The ability to understand and address the needs of affluent families is an area that David has had direct experience in for over 40 years. He understands the importance of education to the children and grandchildren for a legacy to be sustainable. He understands the difficulty clients may have in allocating time toward various objectives due to the constant desire for the clients' time by family members, other professionals, and the time commitment required in running an affluent household. David's ability to understand, effectively communicate, help clients build an organized plan of action, and follow through with a successful execution of that plan is a significant value to our relationships.

David graduated from James Madison University with a bachelor's degree in finance. David is located in the Purchase, New York, office.
Securities Agent: IN, TX, TN, PA, OK, WV, WA, NV, MI, OH, CO, NC, MS, LA, NJ, MT, MN, ME, KY, AL, SC, NM, NH, MO, IL, GA, CT, CA, PR, NY, MA, DE, AZ, AR, VT, MD, FL, UT, HI, WI, VA, DC; General Securities Representative; Investment Advisor Representative

About Me

Ryan Young is a Vice President, Financial Advisor, and Senior Institutional Consultant at Morgan Stanley.

He strives to empower a diverse national clientele, from individuals and families to nonprofit organizations and corporate entities. With a deep understanding of each client’s unique financial landscape, Ryan crafts personalized strategies that seek to maximize returns and help manage risk.

For individuals and families seeking financial security and growth, Ryan offers personalized investment portfolios and comprehensive financial planning. His experience helps to ensure that every aspect of your financial life aligns with your goals and aspirations.

At the forefront of next-generation Institutional Financial Advisors, Ryan employs custom strategies designed to help optimize nonprofits’ financial position. By leveraging innovative investment strategies, he helps organizations and institutions achieve their mission and drive positive social impact, while preserving financial stability.

In the corporate realm, Ryan takes a holistic approach, assisting businesses in managing assets, hedging risks, and optimizing cash flow. By integrating advanced strategic insights and thought leadership, he guides businesses toward sustained growth and profitability.

Through meticulous analysis and a forward-thinking approach, Ryan delivers insight and dedication to each client, regardless of their financial objective, to help achieve their financial vision.

Born and raised in Monkton MD, a Loyola Blakefield alum, and a graduate of Franklin & Marshall, Ryan studied Business: Finance and Political Science. During his tenure, he was Captain of the football team and multi-year All-Conference linebacker. He currently resides in Baltimore, MD with his wife.
Securities Agent: NJ, MS, WA, VA, PR, ME, ID, DE, WV, OK, LA, KS, UT, OH, NY, MT, MO, MD, KY, IN, FL, AZ, TX, NM, MN, GA, CO, CA, RI, MI, SC, OR, NV, NH, ND, NC, IL, DC, AL, TN, MA, CT, WY, PA, HI, AR, WI, VT; General Securities Representative; Investment Advisor Representative
NMLS#: 1420526

About Katherine Ciccimaro

Katherine A. Ciccimaro is a dedicated Financial Advisor focuses in comprehensive financial planning. She holds the CERTIFIED FINANCIAL PLANNER® (CFP®), Chartered Financial Consultant (ChFC®), Qualified Plan Financial Consultant (QPFC), and Financial Planning Specialist designations, reflecting her commitment to professional excellence.

Katherine earned her Bachelor of Science in Financial Economics from the University of Maryland, Baltimore County, where she was actively engaged in student leadership as Treasurer of the Pre-Nursing Society and as a member of the Economics Council.

Katherine resides in Street, Maryland, with her husband, Nick, their daughter, Sophia, and their two dogs, Moose and Coco. A former Miss Maryland USA contestant and lifelong athlete, she brings energy, discipline, and determination to both her personal and professional pursuits. Passionate about the stock market and long-term investing, Katherine leverages her experience to help guide clients toward financial independence and level of confidence.

As an active member of Morgan Stanley’s Women in Wealth, Katherine is committed to helping to empower individuals and families with clear, thoughtful strategies tailored to their goals. Her blend of technical insight, personal dedication, and client-first philosophy underscores her role as a dedicated financial advisor, delivering a world-class experience and instilling confidence at every stage of her clients’ financial journeys.

Katherine was also awarded the 2024 Five Star Wealth Manager award, which showcases her commitment to excellence.
Securities Agent: NY, AZ, SC, OH, ME, IL, WV, MT, HI, FL, CA, OR, NJ, NC, AL, WA, TX, NM, KS, GA, CO, WI, SD, MO, VA, UT, PA, OK, NH, MS, IN, VT, MD, IA, AR, TN, MN, MA, LA, KY, DC, CT, MI, DE; General Securities Representative; Investment Advisor Representative
NMLS#: 2375809

About Jeffrey Wasserman

Jeff's career at Morgan Stanley spans three decades, during which he has demonstrated exceptional expertise and commitment. Prior to joining the firm, he achieved a degree in finance and spent over nine years as an independent life, property, casualty, and health insurance agent, which provided him with invaluable experience. His credentials as a Certified Financial Planner® (CFP®) further underscore his dedication to excellence. The rigorous certification process he underwent, including an 8-month comprehensive course and a challenging two-day examination, exemplifies his commitment to professional growth and ethical standards. As a CFP®, Jeff is legally and ethically bound to act in the best interests of clients, a responsibility he fulfills with utmost integrity. His personal life includes being married and having two grown children.

About Nikki Middlestadt

Nikki began her career at Morgan Stanley in 2015 as a Client Service Associate. In her role, she plays a crucial part in managing the service and proactive operations of the client experience, ensuring that clients receive exceptional service. Her dedication and skills have made her an integral member of the team. Nikki has been a resident of Maryland for 30 years and currently lives in White Marsh with her husband, Mark, and their three children, Hannah, Grace, and Ryan. Outside of her professional life, Nikki enjoys engaging in summer water sports, reading, and spending time at the beach, which reflects her love for outdoor activities.

About Andy Heyman

Andy Heyman is a Portfolio Associate and Financial Planning Specialist at Morgan Stanley. He has over 17 years of experience serving clients and has been with the team for over a decade. With a focus on building and managing relationships, Andy develops a deep understanding of clients’ needs and provides a level of service that they deserve and appreciate.

In addition, Andy services as a Peer Leader in his office, as well as a Market Coach for the South-East Region. In these roles, he assists in training new support professionals, participates in pilot programs, and works with management teams at various levels on firm initiatives and communication. His passion and dedication not only to his clients, but to helping others around him learn and grow, is evident and an asset to the firm.

Prior to working in the financial industry, Andy earned his B.S. in Business Administration with a concentration in Finance from Towson University. He currently resides in Owings Mills, Maryland with his wife, Julie, his daughters Hailey and Abby, and their chocolate lab Sadie. In his free time, Andy enjoys golf, coaching his daughters, and cheering on his favorite Baltimore sports teams.

About Sarah Singh

Sarah Singh is an experienced Client Service Associate at Morgan Stanley, having joined the firm in 2013. With over a decade of experience in the financial services industry, Sarah plays a critical role in managing the service and proactive operations of client relationships, striving to help ensure an exceptional client experience. She is committed to delivering superior service and continually strives to exceed client expectations in her day-to-day responsibilities.

A proud Army veteran, Sarah served in Operation Iraqi Freedom in 2003, where she developed valuable leadership and problem-solving skills. She currently supports her spouse, a dedicated member of the U.S. Army with over 25 years of service. Her military background instills a strong sense of discipline, adaptability, and resilience, which she applies to her role at Morgan Stanley.

Sarah holds a Bachelor of Science Degree in Accounting, with a concentration in Tax Accountancy, from Kaplan University. She leverages her educational background to provide informed, accurate, and thorough service to her clients.

Outside of her professional responsibilities, Sarah remains passionate about supporting the military community and has developed a deep understanding of the unique financial needs faced by service members and their families.

About Madison Smith

Madison Smith supports The Tufton Group and its clients with a focus on delivering seamless service and clear, consistent communication. She earned her degree in Finance from Loyola University Maryland and began her career in the financial services industry shortly thereafter. Prior to joining the firm, Madison spent two years supporting financial advisor teams across all aspects of client service and operations. She holds her Series 7, 66, and insurance licenses.

Outside of the office, Madison enjoys cooking, gardening, and exploring the outdoors – whether she’s hiking, fishing, biking, or kayaking.

Awards and Recognition

Five Star Wealth Advisor

2024 Five Star Wealth Manager Award Source: fivestarprofessional.com (Awarded 2024) These awards were determined through an evaluation process conducted by Five Star Professional, based on objective criteria, during the following periods:
2024 Award - 4/10/23-10/31/23

Wealth Management
Global Investment Office

Portfolio Insights

Retirement

Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
  • 401(k) Rollovers
  • IRA Plans
  • Retirement income strategies
  • Retirement plan participants
  • Annuities
A Simple Six-Step Retirement Checkup
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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.
  • Asset Management
  • Wealth Planning
  • Traditional Investments
  • Alternative Investments
  • Impact Investing
Rational Investing in an Age of Uncertainty
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Rational Investing in an Age of Uncertainty

When it comes to investing, even the most savvy of us fall prey to bias and emotional trades. So what triggers should you watch for?

Family

Creating customized financial strategies for the challenges that today’s families face.
  • Estate Planning Strategies
  • 529 Plans / Education Savings Planning
  • Long Term Care Insurance
  • Special Needs Planning
  • Trust Services
529 Plans: A Powerful Tool to Save for Education
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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
  • Business Planning
  • Qualified Retirement Plans
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
  • Foundations
  • Donor Advised Funds
  • Impact Investing
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.
Ready to start a conversation? Contact The Tufton Group today.
CFP Board owns the marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the U.S., which it awards to individuals who successfully complete CFP Board's initial and ongoing certification requirements.

1Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.

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

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2When 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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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.

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4Morgan 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.

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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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6Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.

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7Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.

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8Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.

Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY

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9Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.

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10Municipal bonds may not be appropriate for all investors. Income generated from an investment in a municipal bond is generally exempt from federal income taxes. Some income may be subject to state and local taxes and to the federal alternative minimum tax. Capital gains, if any, are subject to tax.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) and its Financial Advisors and Private Wealth Advisors do not provide any tax/legal advice. Consult your own tax/legal advisor before making any tax or legal-related investment decisions.

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11Investing in the market entails the risk of market volatility. The value of all types of investments may increase or decrease over varying time periods. The returns on a portfolio consisting primarily of sustainable or impact investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because sustainability and impact criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Diversification does not guarantee a profit or protect against loss in a declining financial market.

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12Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.

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13Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.

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14Morgan 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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15Products 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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16Morgan 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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17Morgan 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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18Morgan 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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19Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.

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20When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.

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21Morgan 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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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:
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The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.

Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.

Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.

The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.

*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.

CFP Board owns the marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the U.S., which it awards to individuals who successfully complete CFP Board's initial and ongoing certification requirements.

The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney.  The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.

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