Susan Graham Harrington, ChSNC®
Executive Director, Financial Advisor, Financial Planning Specialist, Insurance Planning Director
The Veridical Group at Morgan Stanley
Our Mission Statement
Experienced wealth planning services for your life and legacy goals.
Our Story and Services
We know our clients and their families. It is what we do best. For us, wealth planning means more than providing our clients with investment advice. It means helping them maintain the financial independence they've worked their whole lives to achieve, and planning for future generations. It means striving to ensure they have the means to pursue what's most important to them and their families. And it means understanding them as people with unique goals, values and circumstances that determine the strategies we develop on their behalf.
Our consultative process begins with an in-depth discussion of your current finances and future objectives. We want to understand you and your goals for your family. We'll address issues you might have overlooked that can have a significant impact on your ability to retire as planned. Finally, we'll determine how we can help you adjust your investment strategy as necessary to accommodate changing conditions during retirement, and ultimately assist with your legacy planning.
Forbes Best-In-State Wealth Management Teams 2025
Source: Forbes (Awarded Jan 2025). Data compiled by SHOOK Research LLC based for the period 3/31/23–3/31/24. https://www.morganstanley.com/what-we-do/wealth-management/forbes-top-wealth-advisors-lists-2025
Our consultative process begins with an in-depth discussion of your current finances and future objectives. We want to understand you and your goals for your family. We'll address issues you might have overlooked that can have a significant impact on your ability to retire as planned. Finally, we'll determine how we can help you adjust your investment strategy as necessary to accommodate changing conditions during retirement, and ultimately assist with your legacy planning.
Forbes Best-In-State Wealth Management Teams 2025
Source: Forbes (Awarded Jan 2025). Data compiled by SHOOK Research LLC based for the period 3/31/23–3/31/24. https://www.morganstanley.com/what-we-do/wealth-management/forbes-top-wealth-advisors-lists-2025
Services Include
- 401(k) Rollovers
- Retirement PlanningFootnote1
- Planning for Individuals with Special Needs
- Estate Planning StrategiesFootnote2
- Financial PlanningFootnote3
- Planning for Education FundingFootnote4
- Professional Portfolio ManagementFootnote5
- Sustainable InvestingFootnote6
- Wealth ManagementFootnote7
- AnnuitiesFootnote8
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Working With You
At The Veridical Group, we believe that identifying financial solutions begins with a solid understanding of each clients situation, goals, objectives and risk tolerance. We follow a disciplined process that allows us to work with you to craft a solution that helps to meet your individual financial needs.
Step 1: Introductory Meeting
Our relationship begins with an initial discussion aimed towards getting to know you, your lifestyle, and your future goals.
Financial Planning Questionannire
This questionnaire will help us create a personalized strategy for you and can enhance our conversation around your long-term goals
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Step 2: Discovery Meeting
During the discovery meeting, we will work together to establish your financial goals by reviewing your current financial situation and developing an appropriate risk tolerance that can help you achieve the financial outcome you envision for yourself.
Portfolio Risk Platform
Our Portfolio Risk Platform, backed by institutional-caliber analytics, assesses thousands of risk factors using a holdings-based approach to assess a portfolio’s exposures, analyze how securities behave together across portfolios and forecast how they influence risk and return moving forward.
Portfolio Risk Platform
Step 3: Financial Plan Presentation
Financial Plan presentations map out essential factors that play into your financial success such as your employee and employer contributions, liquidity events, and insurance coverage.
Total Tax 365
Taxes can be a substantial drag on investment returns. Morgan Stanley Total Tax 365 offers access to a broad range of tax-efficient strategies to help you integrate tax planning into your investment process all year long, maximize portfolio after-tax return potential and help keep more of what you earn.
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Step 4: Action Items
After the financial plan presentation, we will follow up with you regarding our analysis and recommendations, which may include adjustments to your financial plan, investment allocation, company benefits and insurance coverage.
Intelligent Withdrawals
Intelligent Withdrawal gives us the ability to look across multiple accounts and products to identify the right combination of securities and tax lots to sell so you can help meet spending needs while making the most out of your hard-earned money.
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Step 5: Implementation Meeting
The implementation meeting focuses on creating prospective strategies custom designed for your specific needs. Recommended changes could include logistics, tax impact, asset allocation adjustments, and saving/benefit modifications.
Spending and Budgeting Tool
Track spending habits, categorize expenses and create budgets across your Morgan Stanley and external financial accounts with our Spending and Budgeting Tool.
Access the Spending and Budgeting Tool
Step 6: Monitoring & Performance Tracking
Finally, we will be constantly monitoring your assets and analyzing your performance tracking data seeking to ensure your financial expectations are being met and adjusted accordingly. We will keep a high degree of communication with you to make sure your concerns and requests are always addressed.
Digital Vault
Digital Vault lets you easily and securely manage and share important documents such as account statements, authorizations, tax filings and other relevant documents with your Financial Advisor.
Get Started TodayInvestor Resources
Morgan Stanley Online
Morgan Stanley Online allows you to seamlessly and securely manage your investments and everyday finances in one place.
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Global Investment Office
The Morgan Stanley Global Investment Office provides you with world-class thought leadership timely market commentary, and portfolio ideas to help guide your investment decisions.
Morgan Stanley Portfolio Insights
Total Wealth View
With this service, you can view all your investments together – whether they are held at Morgan Stanley or elsewhere. When you add your external 401(k), as well as your checking, savings and brokerage accounts to this portal, all your assets will be in one place, providing a current and comprehensive view of your wealth.
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The GIC Weekly
The Global Investment Committee's Lisa Shalett headlines this weekly look at markets, asset class performance and fixed income.
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Digital Vault
Digital Vault lets you easily and securely manage and share important documents such as account statements, authorizations, tax filings and other relevant documents with your Financial Advisor.
Get Started Today
GIC On the Markets Monthly Research Report
Every month, Morgan Stanley’s top research analysts publish their “On the Markets” report, providing detailed market commentary on such topics as global equities, fixed income and monetary policy.
Read MoreCustomized Solutions
As your wealth grows, so does its complexes and the resources needed to manage it effectively. We leverage our experience and relationships to deliver innovative strategies that are tailored to your needs. We look forward to speaking with you to understand your challenges, so we may map out a strategy to achieve your particular priorities and goals.
Wealth Management
Wealth Management brings all the dimensions of your life together. We listen carefully to understand the connections across your personal life, your family, your career, and your legacy goals to develop an integrated strategy that is uniquely yours.
Financial Planning
The cornerstone of an effective wealth management plan is comprehensive financial planning, which captures your goals, resources and expectations for the future. Effective planning can potentially lead to successful education and retirement income funding. It helps eliminate blind spots, and helps ensure legacy goals are met.
Retirement Planning
One of our key areas of strength is helping you prepare for and thrive in retirement. From IRA's to RMD's, we manage the complexities of your retirement plan assets, helping you easily transition to the next phase of your life with security and confidence.
Business Succession Planning
Owning a business represents years, if not decades, of hard work and entrepreneurial savvy. Yet, even the most astute business owners are often unfamiliar with the complexities that go into a successful succession strategy. We understand your succession in the context of your overall financial picture. We also work closely with your other financial advisors to help ensure your priorities are reflected in your succession strategy.
401(k) Rollovers
If you have a 401(k) from a previous job, we make it easy to consolidate your assets into one account so you can monitor your progress and investment results all in one place. This helps simplify your financial life, keeps you organized and helps make your money work harder for you.
Trust & Estate Planning
With you every step of the way. I analyze your tax and estate structures so that their tax characteristics are accurately incorporated in the asset allocation analysis performed for the client.
Protecting your online security
Your security is our top priority. Morgan Stanley proactively defends our systems and monitors our digital landscapes to anticipate issues before they arise and respond appropriately when they do.
The firm is actively supporting multiple layers of security. Security includes the following; Strong encryption protocols designed to protect your data, continuous monitoring to help detect and prevent fraudulent activity in your accounts, routine testing of our systems to identify potential vulnerabilities, and independent reviews by outside security firms to penetration test our applications and evaluate our processes.
The firm is actively supporting multiple layers of security. Security includes the following; Strong encryption protocols designed to protect your data, continuous monitoring to help detect and prevent fraudulent activity in your accounts, routine testing of our systems to identify potential vulnerabilities, and independent reviews by outside security firms to penetration test our applications and evaluate our processes.
Cybersecurity Best Practices
Safeguarding your personal information is one of our highest priorities. While many of us continue to work from home we find ourselves utilizing technology more now than ever. For some tips and tricks that can help you be more secure check out this cybersecurity checklist.
Cybersecurity ReroucesLocation
702 King Farm Blvd
Suite 500
Rockville, MD 20850
US
Direct:
(301) 556-2370(301) 556-2370
Meet The Veridical Group
Parker Griffin
Senior Vice President, Financial Advisor, Portfolio Management Director
Michael L Klitsch, CFP®
Senior Vice President, Financial Advisor, Senior Portfolio Manager
Luis Alfonso, CRPC®
Vice President, Financial Advisor
Maritza Hernandez, CFP®
Vice President, Financial Advisor
Christina V. Holland
Assistant Vice President, Wealth Management Associate
Rutin Crisp
Registered Associate
Connor G. Harrington
Registered Associate
Mercy Wambari
Client Service Associate
About Susan Graham Harrington
Susan Graham Harrington is an Executive Director, Chartered Special Needs Consultant, Financial Planning Specialist, and Financial Advisor with Morgan Stanley. Susan joined Legg Mason in 1997, becoming part of the office that Charles Graham founded in 1977. Charlie retired in 2013 and Susan now heads The Veridical Group at Morgan Stanley. Susan focuses on multi-generational family wealth planning and developing comprehensive retirement and estate planning strategies for individuals and families. Her goal is to continue the legacy of individual, personalized service for each and every client.
Susan graduated from North Carolina State University in 1991 with a Bachelor of Arts in Business Management and then in 1995 obtained dual Master’s Degrees in Finance and Management from Webster University. After service in the US Navy flight program, Susan spent time as an equity analyst in New York before beginning her long-term career with the companies that became Morgan Stanley.
With over 25 years of experience in wealth management, Susan understands the complexity of family dynamics and the importance of having a plan in place in order to achieve long-term individual and family goals. As a Financial Planning specialist, Susan offers her clients a detailed level of personal attention and tailors her strategies to the specialized concerns of high net worth families. Susan has received numerous award recognitions for her dedication to our clients.
Susan is a native of Montgomery County, MD. She and her husband Greg have six children between them, and one grandchild. Susan is an alumna of Sigma Kappa sorority, serves on the School of Business Advisory Board at Norfolk State University, and is a volunteer with the American Red Cross.
Susan graduated from North Carolina State University in 1991 with a Bachelor of Arts in Business Management and then in 1995 obtained dual Master’s Degrees in Finance and Management from Webster University. After service in the US Navy flight program, Susan spent time as an equity analyst in New York before beginning her long-term career with the companies that became Morgan Stanley.
With over 25 years of experience in wealth management, Susan understands the complexity of family dynamics and the importance of having a plan in place in order to achieve long-term individual and family goals. As a Financial Planning specialist, Susan offers her clients a detailed level of personal attention and tailors her strategies to the specialized concerns of high net worth families. Susan has received numerous award recognitions for her dedication to our clients.
Susan is a native of Montgomery County, MD. She and her husband Greg have six children between them, and one grandchild. Susan is an alumna of Sigma Kappa sorority, serves on the School of Business Advisory Board at Norfolk State University, and is a volunteer with the American Red Cross.
Securities Agent: CO, OH, MT, DC, NC, MO, WA, OK, MS, KS, AZ, WV, VA, ID, HI, AL, PA, OR, NH, MD, IL, GA, FL, MN, CT, SC, NV, NM, MA, KY, IN, DE, CA, TX, TN, NY, NJ, MI, ME, LA; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1268231
CA Insurance License #: 0G25262
NMLS#: 1268231
CA Insurance License #: 0G25262
About Parker Griffin
I work with individuals, families, and businesses to help them strategically manage their assets, and transfer those assets to the next generation. After working in compliance and risk management at an independent broker dealer, I joined Morgan Stanley in 2009.
I have a B.A. from the University of Richmond, a Masters of Divinity from Regent College (located in Vancouver, British Columbia), and a J.D from the Catholic University, Columbus School of Law. I am licensed to practice law in Maryland and Washington State, but am currently not practicing due to my role as an advisor. When not helping clients, I teach a class on the prudent investment of trust assets as an adjunct professor at the Columbus School of Law.
Securities Agent: AL, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IL, KS, MA, MD, ME, MI, MN, NC, NH, NJ, NM, NV, NY, OH, PA, SC, SD, TX, VA, WA, WV; General Securities Representative; Investment Advisor Representative
I have a B.A. from the University of Richmond, a Masters of Divinity from Regent College (located in Vancouver, British Columbia), and a J.D from the Catholic University, Columbus School of Law. I am licensed to practice law in Maryland and Washington State, but am currently not practicing due to my role as an advisor. When not helping clients, I teach a class on the prudent investment of trust assets as an adjunct professor at the Columbus School of Law.
Securities Agent: AL, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IL, KS, MA, MD, ME, MI, MN, NC, NH, NJ, NM, NV, NY, OH, PA, SC, SD, TX, VA, WA, WV; General Securities Representative; Investment Advisor Representative
Securities Agent: WV, CO, FL, NM, MS, MN, ME, MA, LA, GA, WI, NV, NC, KY, TN, OH, HI, WA, TX, NJ, CA, AZ, AL, NH, MT, KS, DE, MD, IN, SC, MO, IL, DC, OK, VA, PA, ID, CT, OR, NY, MI; General Securities Representative; Investment Advisor Representative
NMLS#: 1278682
NMLS#: 1278682
About Joe Purvis
Securities Agent: NV, MI, MD, KS, WV, WA, TN, PA, OH, NJ, NH, KY, DE, CT, CO, TX, DC, IL, ID, OR, NM, MN, IN, HI, OK, MO, AZ, NY, MT, AL, ME, LA, GA, FL, CA, MA, WI, NC, MS, VA, SC; General Securities Representative; Investment Advisor Representative
NMLS#: 1274447
NMLS#: 1274447
About Michael L Klitsch
After working as a naval architect for the Department of the Navy for 15 years conducting sea trials on US Navy surface ships and submarines, and then as an Environmental Engineer for 5 years, Michael embarked on his career as a financial advisor with Legg Mason in the year 2000. With an engineering background, and expertise as a Certified Financial Planner, Michael focuses on investment selection and financial planning.
He earned a Bachelor of Science in Mechanical Engineering (BSME) from the University of Maryland College Park, and a Masters in Environmental Engineering (MSSE) from George Washington University.
Michael lives in Kensington, is an avid bicyclist, and a member of Fourth Presbyterian Church.
He earned a Bachelor of Science in Mechanical Engineering (BSME) from the University of Maryland College Park, and a Masters in Environmental Engineering (MSSE) from George Washington University.
Michael lives in Kensington, is an avid bicyclist, and a member of Fourth Presbyterian Church.
Securities Agent: CA, TX, KS, IN, CT, OH, NY, NV, SC, NC, DE, MN, MD, MA, LA, KY, WA, MO, GA, DC, CO, TN, PA, OR, HI, FL, AL, WV, NM, MI, IL, ID, OK, NJ, AZ, WI, VA, NH, MT, MS, ME; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1255777
NMLS#: 1255777
About Luis Alfonso
Luis Alfonso has been a Financial Advisor with Morgan Stanley since 2013. He takes a collaborative approach to Wealth Management, focused on listening and understanding clients to help them achieve their financial goals. With a background in Education, he takes great care to ensure clients are empowered to make informed choices and understand their full financial picture.
Luis graduated from the Walsh School of Foreign Service at Georgetown University. After spending some time working overseas and at the Smithsonian, he joined the financial industry at what would become HSBC’s Embassy Banking Group. He worked with diplomats and embassies, helping new arrivals with their transitions into Washington DC. This gave him an outsider’s perspective into the often baffling complexity of the US Financial System, while guiding clients in these complicated life changes.
Working in the DC Area, with its complex ecosystem of Government, Non-profit, and Higher Educational Institutions, has given Luis experience with a very diverse group of individuals navigating life transitions. Leveraging the vast resources at Morgan Stanley, as well as the deep expertise of other members of the Veridical Group, Luis helps to guide clients through important life changes. These include starting a new job, starting or growing an existing business, planning for retirement, navigating offers of buyouts at work, inheritances, and divorces.
Luis lives in DC with his kids Victor and Sofia. Luis likes to spend his spare time exploring everything DC has to offer, as well as spending time with his parents and sister’s family, which all finally settled in the DC area, giving up their globetrotting ways that had them all living in separate countries for 10+ years.
Luis graduated from the Walsh School of Foreign Service at Georgetown University. After spending some time working overseas and at the Smithsonian, he joined the financial industry at what would become HSBC’s Embassy Banking Group. He worked with diplomats and embassies, helping new arrivals with their transitions into Washington DC. This gave him an outsider’s perspective into the often baffling complexity of the US Financial System, while guiding clients in these complicated life changes.
Working in the DC Area, with its complex ecosystem of Government, Non-profit, and Higher Educational Institutions, has given Luis experience with a very diverse group of individuals navigating life transitions. Leveraging the vast resources at Morgan Stanley, as well as the deep expertise of other members of the Veridical Group, Luis helps to guide clients through important life changes. These include starting a new job, starting or growing an existing business, planning for retirement, navigating offers of buyouts at work, inheritances, and divorces.
Luis lives in DC with his kids Victor and Sofia. Luis likes to spend his spare time exploring everything DC has to offer, as well as spending time with his parents and sister’s family, which all finally settled in the DC area, giving up their globetrotting ways that had them all living in separate countries for 10+ years.
Securities Agent: MT, NH, KY, OH, MO, MI, CO, CA, VA, OK, IN, GA, TX, PA, NM, NJ, TN, NY, MN, MA, ID, DC, WA, OR, MD, KS, IL, HI, AL, WV, SC, FL, DE, CT, AZ, LA, NC, MS, ME, NV; General Securities Representative; Investment Advisor Representative
NMLS#: 799013
CA Insurance License #: 0I30860
NMLS#: 799013
CA Insurance License #: 0I30860
About Maritza Hernandez
Maritza Hernandez is a CERTIFIED FINANCIAL PLANNER™ and Financial Advisor. She draws upon ten years of experience in financial services to work closely with individuals and families. Her focus is to ensure that clients have a comprehensive approach to managing their finances and strategies tailored to their objectives. She is especially passionate about the personal relationships that she develops with her clients. Throughout her career, Maritza has worked tirelessly to provide clients with the utmost personal care and attention.
Prior to joining Morgan Stanley in 2015, Maritza worked for PNC Bank. She graduated from Allegheny College with a Bachelor of Arts in 2013 and from the Pennsylvania State University with a Master’s in Business Administration in 2023. To better serve her clients, Maritza earned the CFP® certification from the College for Financial Planning in 2020 – a formal recognition of expertise in the areas of financial planning, taxes, insurance, estate planning and retirement. As an avid learner, you’ll always find her with a book in her hand or a podcast playing in the background. Maritza has been named to Morgan Stanley’s Pacesetter’s Club – an elite group composed of the firm’s top Financial Advisors – since 2019.
Maritza follows Morgan Stanley’s tradition of being an active and engaged participant in the community. In her spare time, you’ll find Maritza spending time with her loved ones, traveling, or enjoying the outdoors.
Prior to joining Morgan Stanley in 2015, Maritza worked for PNC Bank. She graduated from Allegheny College with a Bachelor of Arts in 2013 and from the Pennsylvania State University with a Master’s in Business Administration in 2023. To better serve her clients, Maritza earned the CFP® certification from the College for Financial Planning in 2020 – a formal recognition of expertise in the areas of financial planning, taxes, insurance, estate planning and retirement. As an avid learner, you’ll always find her with a book in her hand or a podcast playing in the background. Maritza has been named to Morgan Stanley’s Pacesetter’s Club – an elite group composed of the firm’s top Financial Advisors – since 2019.
Maritza follows Morgan Stanley’s tradition of being an active and engaged participant in the community. In her spare time, you’ll find Maritza spending time with her loved ones, traveling, or enjoying the outdoors.
Securities Agent: SC, MD, ID, HI, AL, NY, NM, NJ, IN, GA, CA, TX, OK, MT, CT, OH, TN, NV, MO, LA, KY, DC, MS, MI, KS, IL, CO, WA, NC, MA, FL, WV, PA, MN, ME, DE, AZ, VA, OR, NH; General Securities Representative; Investment Advisor Representative
NMLS#: 1106796
CA Insurance License #: 0L79195
NMLS#: 1106796
CA Insurance License #: 0L79195
About Christina V. Holland
Christina is a 2001 graduate of Fleet Business School in Annapolis, Md. As our Wealth Management Associate, Christina is responsible for all aspects of client service and serves as our team administrator to oversee the day-to-day operations. Christina joined Legg Mason in 2004, which has since merged into Morgan Stanley. In 2016 she joined The Veridical Group.
Christina brings a wealth of knowledge and 20 yrs of industry experience to our team. She is a key resource for clients and ensures they receive first class service. Christina holds Series 7 and 66 securities licenses. As a fully licensed member of the team, Christina can also assist in filling client trade and money movement requests. Christina enjoys building the relationships she shares with our clients.
Outside of the office, Christina is an accomplished Pianist and often unwinds her day by practicing piano and playing for others. She is passionate about volunteering in the community and spending time with her husband, Roy, and their lovable Pitbull Phoenix.
Christina brings a wealth of knowledge and 20 yrs of industry experience to our team. She is a key resource for clients and ensures they receive first class service. Christina holds Series 7 and 66 securities licenses. As a fully licensed member of the team, Christina can also assist in filling client trade and money movement requests. Christina enjoys building the relationships she shares with our clients.
Outside of the office, Christina is an accomplished Pianist and often unwinds her day by practicing piano and playing for others. She is passionate about volunteering in the community and spending time with her husband, Roy, and their lovable Pitbull Phoenix.
About Connor G. Harrington
Connor is a Maryland native and graduate of Winston Churchill High School. He joined the Veridical group in 2021 and holds Series 7 and Series 66 licenses. As a Registered Associate, Connor is part of our service team and he takes care of our clients daily transactional requests. His hobbies include weightlifting, nutrition, science, economics, programming, off-roading in his Jeep, skiing, singing, and learning.
About Mercy Wambari
Mercy is a seasoned financial professional with over 18 years of experience in client services and relationship management across commercial and retail banking industries. She joined The Veridical Group as a Client Service Associate in 2024. She loves to build relationships and is passionate about offering excellent service to clients. Outside of the office, Mercy is a part time health and fitness coach and enjoys spending time with her family as well as taking part in various voluntary activities.
Contact Susan Graham Harrington
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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
Maria Tashjian
Private Banker
About Maria Tashjian
Maria Tashjian is a Private Banker serving Morgan Stanley Wealth Management offices in Maryland.
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.
Maria began her career in financial services in 2006, and joined Morgan Stanley in 2010. Prior to being promoted to Private Banker in 2021, Maria served as the Associate Private Banker supporting Wealth Management offices in Virginia.
Maria is a graduate of the University of Massachusetts, where she received a Bachelor of Science in Management and a Master of Business Administration. She lives in Fairfax, Virginia with her family. Outside of the office, Maria enjoys spending time with her family and volunteering for local community organizations.
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.
Maria began her career in financial services in 2006, and joined Morgan Stanley in 2010. Prior to being promoted to Private Banker in 2021, Maria served as the Associate Private Banker supporting Wealth Management offices in Virginia.
Maria is a graduate of the University of Massachusetts, where she received a Bachelor of Science in Management and a Master of Business Administration. She lives in Fairfax, Virginia with her family. Outside of the office, Maria enjoys spending time with her family and volunteering for local community organizations.
NMLS#: 1500388
Wealth Management
From Our Team
2025 Forbes Best-In-State Top Women Wealth Advisors
Wealth Management
Global Investment Office
Portfolio Insights
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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.
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
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
Tax-Smart Ways to Sell Securities
How investors can tap their portfolios in tax-savvy ways.
Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
529 Plans: A Powerful Tool to Save for Education
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Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Financial Planning for Life After Selling a Business
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Philanthropy
Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
- Foundations
- Donor Advised Funds
- Impact Investing
Financial Wellness
Enhancing Financial Wellness enables your workforce to do their best work. Companies that invest in financial wellness have an opportunity to:
- Reduce employee stress,
- Improve retention and engagement, and
- Set themselves apart by offering comprehensive financial wellness benefits.
Ready to start a conversation? Contact The Veridical Group today.
Certified Financial Planner Board of Standards, Inc. (CFP Board) owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™, and CFP® (with plaque design) in the United States, which it authorizes use of by individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
1When 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.
2Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
3Morgan 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.
4When 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.
5Morgan 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.
6The 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. Diversification does not guarantee a profit or protect against loss in a declining financial market.
7Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
8Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame 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
1When 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.
2Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
3Morgan 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.
4When 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.
5Morgan 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.
6The 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. Diversification does not guarantee a profit or protect against loss in a declining financial market.
7Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
8Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame 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
CRC 6491812 (04/2024)
