The Turnock Bonacci Group at Morgan Stanley

I’m passionate about finance and the impacts professional planning can have in creating success long term. There is no aspect of money that isn’t important to consider. I have experience with all areas of finance. This experience has been earned with over 30 years in the industry. In the early 90’s, I started doing back office operations and working with Treasury investments at a small bank while attending night school in Tampa, Florida. The small nature of the bank allowed me to have wide ranging exposure to most areas of banking. This exposure to money operations expanded while I earned my undergraduate degree in both Finance and Economics at Florida State University. While in school there, I was also the student body Comptroller for several years and was a national award recipient of Academics in Economics.

Since 1994 I have been fully licensed and received my CFP (Certified Financial Planner designation) in 2004 while studying in the executive program at Georgetown University. I’ve also received the Chartered Retirement Planning Counselor (CRPC) certification as well as numerous other internal accreditations that require focused learning on specialized areas of finance.

My belief is an open discussion about what is important to you as well as what may scare you, can allow us to better plan for you. One of the secrets I’ve learned over 30 years in practice, in and around finance, is that the power in financial planning is admitting we don’t know what is happening next (the next year/minute/second) but we can plan for the unknown. This is often overlooked. By checking our ego at the door and getting down to the business of “what if” we have the power to protect and secure successful achievement of your financial goals using proper planning and monitoring.

While experience is important and continuing education is paramount to add knowledge and skill, these traits may still take a backseat to compassion and listening. I’ve also found that hearing what you are saying and applying it to crafting your personal plan is yet another secret weapon in skillfully designing your plan for overall success. Our toolbox holds many financial options to utilize within a plan. Listening helps determine which of these may ultimately be most appropriate. I’m a people person and want to help. I feel fortunate to be in a position and at a firm that allows me to use the wide ranging tools, my experience and training to do just that.

Baseball is a new found passion by comparison. My son, Kasey, has loved the sport since he was a little boy and I’ve coached him every year since. I’m very lucky to share this passion with him and hope it will be a lifelong shared love. My daughter, Maggie, is full of joy for dance, singing and life. There is never a playground she doesn’t stop at or an animal she didn’t love. She is quick to share a story and will likely end up on Saturday Night Live with her comedic timing. My wife, Susan, is a business owner and constantly amazing us all with her talents and creative skills. Her business continues to grow and delight each year. Our family fell in love with Bernese Mountain Dogs and we have one named Molly who is both an angel and a devil at the same time.

Finance is in my genes. My father and two brothers are also in the financial services industry, so money and market discussions have been the norm since I was young. As a result, the business of finance is almost second nature. I am fortunate to have a career in an industry that I am passionate about, and truly enjoy being able to share this passion with our clients.

My degree in Finance was received from the Robert H. Smith School of Business at the University of Maryland – College Park. I also have my CRPC designation (Chartered Retirement Planning Counselor) and have been in the industry since 2000. Prior to my securities licensing, I was a manager/originator at a mortgage company for several years. During this time I was able to gain knowledge and experience in other aspects of the industry that are useful today with clients. With Morgan Stanley making just about any financial tool available, and the experience on how to use them, the real key is to focus directly on client needs. By listening, probing for information and understanding what the “want” is, I am able to combine the tools into an appropriate allocation within the overall financial plan to help reach those wants or goals. This is one of the things that sets me and my team apart from the rest.

I’m a local. I was born and raised in Annapolis. I graduated from St. Mary’s High School in Annapolis and my three children are students in the St. Mary’s schools as well. We love the water and spend as much time on it as possible. My two youngest (Anna and Luca) are avid hockey and lacrosse players while my oldest (Finley) is currently racing sailboats (420s). They all enjoy a day fishing with me if they aren’t buried in a book. My wife Anja also works locally in the aviation industry, and used to be a commercial airline pilot. We have two Labrador Retrievers (Cerrisi and Marlin) who go just about everywhere we do.

I’ve always been driven by loyalty. One of my strongest held beliefs is that if you truly care about something – down to your core – that you will pursue it with impassioned energy and will be true to its cause totally. This was the case when I joined the United States Marine Corps in 1991 when Desert Storm started. I’ve always believed in the greatness of our country. During my time in the service I was able to visit more countries than I’d been to states at home. I’ve been lucky enough to see the U.S. more extensively since but those experiences helped forge me and allow me to have a broader perspective of situations today.

My time in The Marines was invaluable and I find I use parts of that experience every day. In early 2006 I joined Morgan Stanley. Quickly, I found I had an affinity toward helping people and enjoyed taking sometimes complex information and simplifying it for them. I’ve gotten fully licensed and continue to study and learn constantly. The Portfolio Associate Certification is my current endeavor.

Family is everything to me. My daughter Amber has gifted us a grandson, Abel. My two sons, Michael and Matthew are growing like weeds and bring constant joy, amazement and adventure to us as they continue their journey to manhood. My wife, Jeanine, shares my passion for helping people and she too is in the industry with me. This unique tag team allows us to bring added knowledge to the table as we are fully immersed in finance together constantly. We love American Bulldogs and Mocha is our newest family member. I’m still playing competitive softball and hope to continue doing so as long as my legs will allow. Golf is also a hobby of mine even as I find it hard to spend the time to get good at it with everything else that fills my life. Happily, this gives me another goal to look forward to whenever retirement arrives.