Joseph M Phillips, CFP®
Managing Director, Wealth Management, Financial Advisor, Senior Portfolio Management Director, Family Wealth Director, Corporate Retirement Director, Alternative Investments Director
Phone:
(617) 570-9222(617) 570-9222
Industry Award WinnerOur Mission Statement
We provide comprehensive, proactive financial stewardship for families of substantial means to help them preserve and enhance wealth.
Our Story and Services
For families of substantial means, a Financial Advisor is more than someone who simply handles investments. The role of an Advisor often revolves around the idea of a financial steward, a professional who manages both sides of a family's balance sheet in accordance with long-term goals. These are the types of clients we serve at The Walden Pond Group at Morgan Stanley.
Many of our clients are focused on wealth preservation and appreciate a team especially attendant to downside risk. Many think about their wealth not just as a lifetime asset, but one that is expected to span generations – they look for the experience to manage across various market cycles and economic trends, and also to appreciate the intricacies of family dynamics. Perhaps most of all, they expect their Advisor to provide thoughtful analysis and recommendations on every financial decision, in whatever time frame it's needed.
The Walden Pond Group is structured to serve this type of family – by providing our considerable experience, wide ranging skills and nimble thinking to a limited number of clients, we can deliver the kind of intelligent advice and responsive service our clients demand.
SERVING FAMILIES OF SUBSTANTIAL MEANS
When you seek professional services, it's common sense to look for an advisor whose experience matches your need – after all, you wouldn't expect even a highly credentialed pediatrician to perform brain surgery. At the Walden Pond Group, we have structured our practice to provide comprehensive wealth management and financial stewardship for families of substantial means, many of whom share certain characteristics:
- Highly successful - Frequently, our clients have earned their wealth through talent, hard work and bold leadership in their field. They include physicians, attorneys, executives and entrepreneurs.
- Multi-generational - Our clients tend to be exceptionally family-oriented and seek financial strategies and tactics designed to extend across multiple generations.
- A focus on wealth preservation - Many families of substantial means are primarily concerned with preserving their wealth. This may require prudent investment to guard against various kinds of future risk, though typically their security is not dependent on asset growth.
- Time challenged - Our clients are busy, productive and engaged. They don't want to spend their time managing money. But they expect responsive, proactive and diligent service. Thus, to ensure their satisfaction, we limit the number of clients we work with.
- Family focus - Our clients count on us to help ensure that their entire family is financially fluent, and thoroughly understands their overall wealth management strategy. We often help manage family dynamics across two, three or even four generations.
Services Include
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Experience
Our Team has the extensive experience, specialized training, and resources necessary to help our clients address their unique goals and aspirations. Read below to understand more about our designation and how Morgan Stanley can help achieve your goals.
Certified Financial Planner (CFP®)
The Certified Financial Planner® certification is the standard if excellence in financial planning. CFP professionals meet rigorous education, training, and ethical standards, and are committed to serving their clients best interests today to prepare them for a more secure tomorrow.
Senior Portfolio Management Director (PMD)
The Senior Portfolio Management Director designation allows Financial Advisors to manage investment advisory accounts on a discretionary basis.
Family Wealth Director
The Family Wealth Director designation assists Financial Advisors in providing clients who have a net worth greater than $10 million with a truly differentiated experience, competitive with a multi-family office service platform.
Corporate Retirement Director
Corporate Retirement Director designation provides specialized financial advisors dedicated to meting the complex needs of today's retirement plan sponsors.
Alternative Investments Director
The Alternative Investments Director designation is for Financial and Private Wealth Advisors specializing in Alternative Investments
Forbes Best-In-State 2024 & 2025
Forbes has just published its annual ranking of the 2025 Best-In-State Wealth Management Teams in Massachusetts and we are pleased to share that our team has been named to the list!
(Source: Forbes.com (Awarded Jan 2025) Data compiled by SHOOK Research LLC based for the period from 3/31/23–3/31/24. Awards Disclosures)
(Source: Forbes.com (Awarded Jan 2025) Data compiled by SHOOK Research LLC based for the period from 3/31/23–3/31/24. Awards Disclosures)
Education
Daniel A. Antoniou
MBA in Financial Planning
Bentley College
MBA in Financial Planning
Bentley College
A Financial Analysis Unique To You
Our standard of care is what makes us unique, and we start with a simple three-step process. It is designed to ensure that your expectations are being met, your concerns are being addressed, and that everything is being accounted for. The financial tools we use to make this happen speak to our wealth management philosophy and investment strategy.
Step 1. Aggregate Assets Through Our Morgan Stanley Online Platform
As a valued client of The Walden Pond Group, we begin with a comprehensive view of your investment objectives and your financial goals. Holistic in its approach, it may encompass all the elements of your financial life - your investments and your cash management needs - making sure they align with your goals and wealth management plan. Asset Aggregation allows us to financially advise you on a complete picture, while allowing you to see your everyday finances using a single log in.
Click Here To See The Benefits of Aggregating Your AccountsStep 2: Create and Monitor A Financial Plan
Chances are that the goals you set today will evolve over time. Our process is designed to evolve with them - and with the changing circumstances of your life. Leveraging a sophisticated suit of analytic tools, as well as the extensive resources of Morgan Stanley, we will make sure we can help you take charge of your financial future and achieve your goals.
Click Here To Learn How A Financial Plan Can Help YouStep 3: Utilize Our State-Of-The-Art Risk Evaluation Tool
Morgan Stanley's Portfolio Risk Platform analyzes over 3,000 risk factors, and models what-if scenarios so you can see the potential impacts of hypothetical market shocks. The Portfolio Risk Platform integrates the leading risk analytics engine into Morgan Stanley Wealth Management platform to improve the quality transparency and efficiency of the end to end risk management processes for the firm our clients. Our goal is to incorporate this tool with every investment strategy, accounting for any variables or risks in the market.
Click Here To Watch How We Leverage Our Portfolio Risk PlatformWealth stewardship: What It Means For You
At the Walden Pond Group, we use the term “wealth stewardship” to describe our services. But what does that mean exactly? Certainly, it goes well beyond an investment portfolio, though investing is an important part of what we do. Wealth stewardship means understanding and defining your objectives, then providing thoughtful advice on every aspect of your life that involves money, ensuring that each choice aligns with (and advances) your identified strategy. It occurs in sometimes surprising ways:
Wealth preservation
The word “stewardship” suggests the careful, responsible management of a resource entrusted to one’s care. There is a commitment to a long-term view, of preserving the resource for future use and enjoyment. You’ve spent a productive lifetime creating substantial means … it is our role to preserve and enhance that wealth.
Risk mitigation
While risk is part of all financial management, we are particularly attuned to risk mitigation as a strategy to safeguard your wealth. Our experience and knowledge in this area is a benefit to our clients.
Family dynamics and education
As your wealth steward, our responsibility extends across generations. Accordingly, we will engage, educate and coordinate with appropriate members of your family.
Collaboration with other professionals
Families of substantial means work with a number of trusted advisors – attorneys, tax professionals and accountants, for example. As your wealth steward, we act as a quarterback to align their work with your wealth strategy.
Creating and maintaining a legacy
Many of our clients seek to make a meaningful impact on a cherished group or cause. Along with our own experience, we draw on the impressive resources of Morgan Stanley to create strategic legacy opportunities that reflect your priorities.
Start with a goal
Any endeavor, from a business startup to a family outing, is more likely to succeed with a clear plan in place. A plan starts with an endpoint. To achieve your wealth management goals, we must first identify them. This is not just lip service – a goal allows us to estimate a required return on investments, which can help mitigate risk.
Risk is your greatest threat
For clients of substantial means, managing wealth often starts with managing risk. Financial risks include inflation, unforeseen events, macroeconomic factors and others. Our wealth strategies are designed to provide downside protection as well as upside gain. We advocate hedging strategies, for example, and look for downside capture.
Wealth is a family affair
Our family-focused clients think of wealth management across generations. We assist with legacy goals such as trust services and philanthropic strategies. We help educate subsequent generations on proper stewardship of family assets and values. We help manage family dynamics to align family members strategically. Our clients are families, not just individuals.
5 Star service
Quality service is a hallmark of the Walden Pond Group. As a client, you’ll feel confident that your questions will be answered promptly, thoroughly and thoughtfully … that your team is proactive on your behalf, while also respectful of your time … that you’ll get informed advice on any financial decision. We liken it to a 5 Star hotel, where your needs are attended to, often before you even think to ask, so that you are free to enjoy your life.
Investor Resources
Our comprehensive suite of digital tools are designed to help enhance every aspect of your financial life. Below are a few of the technologies we have to offer our clients. We have also included resources meant to transform complex financial analysis and research into concise and easily digestible content.
Wealth Education Series
Educational series on Goal Setting and Budgeting; Credit and Debt Management; and Introduction to Investing that demonstrates basic strategies as a starting point for more customized programs depending on your individual goals.
Click here to watch Wealth Education Series
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
GIC Weekly Research Report
Our Global Investment Committee's Lisa Shalett headlines this weekly look at markets, asset class performance and fixed income.
Click here for the most recent "GIC Weekly" Report
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 Morgan Stanley Online
On the Markets Research Report
Detailed market commentary from Morgan Stanley's thought leaders on topics such as global equities, fixed income, monetary policy and more.
Click here for the most recent “On the Markets” Report
Goals-Based Planning
Working with us, paired with our technology, is a great way to access advice and build a wealth plan. Read more about the advantages of working with our planning technology in reaching your financial goals.
Learn more about our approach to Planning
Morgan Stanley Ideas Podcast
The Morgan Stanley Ideas Podcast brings you revealing stories about the world of business, finance, technology and beyond.
Check out the latest episode here
Digital Vault
Digital Vault allows you to easily manage and share your important documents. All files are scanned for viruses and malware, and are encrypted while transferred and stored. Access is limited to you and anyone you designate.
Learn more about Digital Vault
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.
Check out the latest episode hereLocation
28 State Street
27th Floor
Boston, MA 02109
US
Direct:
(617) 570-9222(617) 570-9222
105 W View Rd
Floor 5
Colchester, VT 05446
US
Direct:
(617) 570-9222(617) 570-9222
Meet The Walden Pond Group
Daniel A. Antoniou, CFP®
Vice President, Financial Advisor, Senior Portfolio Manager
Phone:
(617) 570-9293(617) 570-9293
Evan Kisty
Assistant Vice President, Wealth Management Associate, Financial Planning Specialist
Phone:
(617) 570-9581(617) 570-9581
Mike W. Brown, CFP®
Registered Associate
Phone:
(617) 589-3203(617) 589-3203
About Joseph M Phillips
The founding partner of the Walden Pond Group, Joe helps select individuals and families of substantial means successfully manage their financial lives through their working years and into retirement. His customized financial plans combine investments with comprehensive wealth management strategies, such as wealth transfer, asset protection, family dynamics, and philanthropy.
Joe has been helping clients reach their goals since 1984. He began his career at Lehman Brothers in Boston, later serving as Senior Vice President/Branch Manager in San Francisco. He returned to Boston in 1998 with Morgan Stanley, and was a founding member of the Boston Private Wealth Management office. In 2009, he founded the Walden Pond Group to provide goals-based investment and wealth management.
Joe holds a number of distinctive credentials. He is a Morgan Stanley Family Wealth Director. A Family Wealth Director is a rare distinction, earned by less than 5% of Morgan Stanley’s 16,000 Financial Advisors. The designation is given to advisors who have undergone specialized training to complement their extensive experience working with ultra-high net worth families and is among one of the firm’s most prestigious designations. His Portfolio Management Director title permits him to manage individual discretionary portfolios on a fee basis. Joe holds a CERTIFIED FINANCIAL PLANNER™ designation, the industry’s gold standard for knowledge, experience and integrity. He earned his B.S. in Economics from the University of Vermont, and a graduate of the Certified Investment Management Analyst ®(CIMA) program at the Wharton School of Business at the University of Pennsylvania.
Joe has been helping clients reach their goals since 1984. He began his career at Lehman Brothers in Boston, later serving as Senior Vice President/Branch Manager in San Francisco. He returned to Boston in 1998 with Morgan Stanley, and was a founding member of the Boston Private Wealth Management office. In 2009, he founded the Walden Pond Group to provide goals-based investment and wealth management.
Joe holds a number of distinctive credentials. He is a Morgan Stanley Family Wealth Director. A Family Wealth Director is a rare distinction, earned by less than 5% of Morgan Stanley’s 16,000 Financial Advisors. The designation is given to advisors who have undergone specialized training to complement their extensive experience working with ultra-high net worth families and is among one of the firm’s most prestigious designations. His Portfolio Management Director title permits him to manage individual discretionary portfolios on a fee basis. Joe holds a CERTIFIED FINANCIAL PLANNER™ designation, the industry’s gold standard for knowledge, experience and integrity. He earned his B.S. in Economics from the University of Vermont, and a graduate of the Certified Investment Management Analyst ®(CIMA) program at the Wharton School of Business at the University of Pennsylvania.
Securities Agent: PA, MO, NY, OK, IL, GA, WA, CO, AZ, OH, MI, DC, CA, VT, VA, RI, SC, NV, MD, MA, TX, NC, CT, NJ, NH, ME, FL, IN; BM/Supervisor; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 898562
NMLS#: 898562
About Daniel A. Antoniou
Dan works with a select group of individuals and families of substantial means, helping them to envision and realize their financial goals. Leveraging his 15+ years experience in financial services, he creates financial plans and manages investment portfolios for clients of the Walden Pond Group.
In past roles at LPL Financial and Raymond James, Dan has been a service associate, planning analyst and financial advisor. This rich background helps him serve clients, who appreciate his hands-on, down-to-earth approach. They rely on him for prompt, thoughtful, professional guidance and “get it done” style.
Dan earned both a B.S. in finance and a master’s degree in personal financial planning from Bentley University. He also holds the prestigious CERTIFIED FINANCIAL PLANNER™ designation, the industry’s gold standard which represents hundreds of hours of class time and ongoing recertification.
Dan and his wife, Bonnie, live in Sherborn. They enjoy an active lifestyle that includes racquetball, tennis, kayaking, horseback riding, and travel. Dan previously served as a member of the Board of Trustees at the 4H Foundation of Massachusetts.
In past roles at LPL Financial and Raymond James, Dan has been a service associate, planning analyst and financial advisor. This rich background helps him serve clients, who appreciate his hands-on, down-to-earth approach. They rely on him for prompt, thoughtful, professional guidance and “get it done” style.
Dan earned both a B.S. in finance and a master’s degree in personal financial planning from Bentley University. He also holds the prestigious CERTIFIED FINANCIAL PLANNER™ designation, the industry’s gold standard which represents hundreds of hours of class time and ongoing recertification.
Dan and his wife, Bonnie, live in Sherborn. They enjoy an active lifestyle that includes racquetball, tennis, kayaking, horseback riding, and travel. Dan previously served as a member of the Board of Trustees at the 4H Foundation of Massachusetts.
Securities Agent: OK, VT, TX, MO, MI, IL, AZ, PA, MA, RI, NC, CT, CA, WA, NY, MN, DC, VA, SC, NV, NH, FL, NJ, ME, CO, OH, MD, IN, GA; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 898630
CA Insurance License #: 0M72409
NMLS#: 898630
CA Insurance License #: 0M72409
About Evan Kisty
Evan’s career in financial services began with a role in the operations department in 2015 and expanded when he was soon invited to join the Walden Pond Group in September 2017. His role within the team continues to evolve as he gains experience and he assumes greater responsibility within the team. Evan regularly assists the preparation of asset management strategies and works closely with the team with to help incorporate new investment themes into client portfolios including proposal generation, implementation, and preparing portfolio performance analysis. On a daily basis, he also handles operational responsibilities for clients such as account maintenance, cash and securities movement, trading, and allocation changes across client portfolios.
Evan’s background in financial services includes both client service and back office support. As a Senior Registered Service Associate in Operations, he helped facilitate client access to the myriad of capabilities at Morgan Stanley.
Evan graduated from the Isenberg School of Management at the University of Massachusetts Amherst with a bachelor’s degree in corporate finance. He is presently working to increase his financial planning acumen through pursuit of the Certified Financial Planner® designation to better serve the Walden Pond Group’s multi-generational families of substantial wealth.
Raised in Marlborough, Massachusetts, Evan is a dedicated New England sports fan and resides in Boston’s Beacon Hill with his wife Laura. He enjoys snowboarding, fishing, politics, playing billiards, traveling, and exploring pubs and restaurants around the city.
*Disclaimer: This role cannot solicit or provide investment advice.
Evan’s background in financial services includes both client service and back office support. As a Senior Registered Service Associate in Operations, he helped facilitate client access to the myriad of capabilities at Morgan Stanley.
Evan graduated from the Isenberg School of Management at the University of Massachusetts Amherst with a bachelor’s degree in corporate finance. He is presently working to increase his financial planning acumen through pursuit of the Certified Financial Planner® designation to better serve the Walden Pond Group’s multi-generational families of substantial wealth.
Raised in Marlborough, Massachusetts, Evan is a dedicated New England sports fan and resides in Boston’s Beacon Hill with his wife Laura. He enjoys snowboarding, fishing, politics, playing billiards, traveling, and exploring pubs and restaurants around the city.
*Disclaimer: This role cannot solicit or provide investment advice.
About Mike W. Brown
*Disclaimer: This role cannot solicit or provide investment advice.
Securities Agent: IN, KY, OH; General Securities Representative; Investment Advisor Representative
Contact Joseph M Phillips
Contact Daniel A. Antoniou
Awards and Recognition
Forbes Best-In-State Wealth Management Teams
2024-2025 Forbes Best-In-State Wealth Management Teams Source: Forbes.com (Awarded 2024-2025). Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of year prior to the issuance of the award.
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
Francesca Scuadroni
Associate Private Banker
About Francesca Scuadroni
Francesca Scuadroni is an Associate Private Banker serving Morgan Stanley Wealth Management offices in Massachusetts, Vermont, Maine, and New
Hampshire.
Associate Private Bankers partner with Private Bankers and 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.
Francesca began her career in financial services with Morgan Stanley in 2021. Prior to her current role, she was an Associate on the Cash Management Solutions Desk.
Francesca is a graduate of Colgate University, where she received a Bachelor of Arts in English Literature. She lives in Boston, Massachusetts. Outside of the office, Francesca enjoys exploring Boston and the
surrounding New England area. She also enjoys being active and appreciates hiking the scenic state parks in her native area, the Hudson Valley, New York. Francesca is actively involved with the Colgate Rugby Alliance,
which is a volunteer group for Colgate University’s Rugby Program.
Hampshire.
Associate Private Bankers partner with Private Bankers and 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.
Francesca began her career in financial services with Morgan Stanley in 2021. Prior to her current role, she was an Associate on the Cash Management Solutions Desk.
Francesca is a graduate of Colgate University, where she received a Bachelor of Arts in English Literature. She lives in Boston, Massachusetts. Outside of the office, Francesca enjoys exploring Boston and the
surrounding New England area. She also enjoys being active and appreciates hiking the scenic state parks in her native area, the Hudson Valley, New York. Francesca is actively involved with the Colgate Rugby Alliance,
which is a volunteer group for Colgate University’s Rugby Program.
NMLS#: 2496634
About Christian Catricala
Christian Catricala is a Private Banker serving Morgan Stanley Wealth Management offices in Massachusetts and Rhode Island.
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.
Christian began his career in financial services in 2015, and joined Morgan Stanley in 2016 as a Rotational Analyst supporting a variety of divisions in Wealth Management. Prior to being promoted to his current role, he was an Associate Private Banker supporting Wealth Management offices in Boston, Massachusetts.
Christian is a graduate of the Merrimack College, where he received a Bachelor of Science in Accounting and Marketing. He lives in Melrose, Massachusetts with his wife. Outside of the office, Christian enjoys cooking, biking, and traveling.
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.
Christian began his career in financial services in 2015, and joined Morgan Stanley in 2016 as a Rotational Analyst supporting a variety of divisions in Wealth Management. Prior to being promoted to his current role, he was an Associate Private Banker supporting Wealth Management offices in Boston, Massachusetts.
Christian is a graduate of the Merrimack College, where he received a Bachelor of Science in Accounting and Marketing. He lives in Melrose, Massachusetts with his wife. Outside of the office, Christian enjoys cooking, biking, and traveling.
NMLS#: 1773684
Private Bankers, Ultra High Net Worth ("UHNW") Specialists, PBG Market Managers, Lending Advisors, Mortgage Consultants, Regional Mortgage Specialist, Cash Management Specialists, Associate Private Bankers are employees of Morgan Stanley Private Bank, National Association.
Banking products and services are offered by Morgan Stanley Private Bank, National Association, Member FDIC.
Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
Banking products and services are offered by Morgan Stanley Private Bank, National Association, Member FDIC.
Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
Wealth Management
Global Investment Office
Portfolio Insights
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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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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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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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
Retirement for Plan Sponsors
End-to-End Services, Made Simple:
We can provide the tools and guidance to help you manage a retirement plan.
We can provide the tools and guidance to help you manage a retirement plan.
- Plan Evaluation
- Investment Management
- Plan Management Support
- Plan Participant Education
Small Business Retirement Plans
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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 Walden Pond 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.
1Alternative 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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors 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.
3When 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.
4Morgan 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.
5Morgan 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.
6Morgan 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.
7When 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.
8Morgan 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.
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.
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
1Alternative 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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors 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.
3When 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.
4Morgan 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.
5Morgan 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.
6Morgan 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.
7When 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.
8Morgan 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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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.
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)
