Welcome

As your Financial Advisors, we can help you define and strive to meet your goals by delivering a vast array of resources to you in the way that is most appropriate for how you invest and what you want to achieve. Working together we can help you to preserve and grow your wealth. You’ll have access to some of the world’s most seasoned and respected investment professionals, a premier trading and execution platform and a full spectrum of investment choices.
Services Include
  • 401(k) Rollovers
  • 529 Plans1
  • Alternative Investments2
  • Asset Management3
  • Estate Planning Strategies4
  • Financial Planning5
  • Fixed Income6
  • LGBT Planning Services
  • Life Insurance7
  • Long Term Care Insurance8
  • Planning for Education Funding9
  • Professional Portfolio Management10
  • Retirement Planning11
  • Sustainable Investing12
  • UGMA/UTMA13
  • Wealth Consulting
  • Wealth Management14
  • Municipal Bonds15
  • Trust Accounts16
  • Trust Services*
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*

Location

433 South Main St.
Suite 100
West Hartford, CT 06110
US
Direct:
(860) 313-7138(860) 313-7138
Toll-Free:
(800) 243-3154(800) 243-3154

Meet The Willow Group

About Me

Gary has 13 years of experience in the financial services industry, and has been with Morgan Stanley since 2008.  Originally from Erie, PA, he graduated from the United States Naval Academy with a Bachelor of Science degree in Mathematics.  As an officer in the U.S. Navy stationed in San Diego, CA, he completed three overseas deployments and attained the rank of Lieutenant (O-3).  His duty assignments consisted of Communications Officer on USS ELLIOT, Navigator on USS COMSTOCK, and Deputy Director of Project Handclasp, the U.S. Navy’s humanitarian relief program.  After leaving the Navy, he became a Financial Advisor in La Jolla, CA and earned the CFP® designation.  Being a Certified Financial Planner™ practitioner requires meeting rigorous certification requirements, including post-graduate coursework and continuing education, experience standards, a 10-hour exam, and agreeing to adhere to the CFP® Board’s strict code of ethics.  After building a successful financial planning business on the West Coast, Gary and his wife Kate relocated to Western Massachusetts to start a family.  Gary expanded his business nationwide by joining the Springfield, MA office of Morgan Stanley and retaining his West Coast clients.  After four years of building a bi-coastal business, he accepted responsibilities as Complex Business Development Manager in Northern Connecticut. For three years, he spearheaded the hiring and training of all new financial advisors, as well as consulted experienced advisors on specific business building techniques, until ultimately collaborating with the Sullivan – Zak Group in West Hartford, CT, to form The Willow Group and returning to advising clients full-time.  He has earned his Series 7, 66, 9, 10, life and health insurance licenses and is a Vice President with the firm.  In his free time, Gary enjoys running, competing in triathlons, and coaching his sons' sports teams.  Gary and Kate live in East Longmeadow, MA with their two sons Shane and Blake.
Securities Agent: WA, VA, TX, CT, CA, WI, VT, TN, SD, SC, RI, PA, OH, NY, NV, NJ, NH, NC, MN, MI, ME, MD, MA, LA, IN, IL, GA, FL, DC, CO, AZ, AK; General Securities Representative; BM/Supervisor; Investment Advisor Representative
NMLS#: 1388034
CA Insurance License #: OE94884

About Me

1985 - Present: Morgan Stanley*
First Vice President
Financial Planning Specialist
West Hartford, CT

1981 - 1985: Dean Witter
Account Executive
Melville, NY

Education:
SB Consulting Group University, 1998
Financial Planning Specialist Designation, 2002 Smith Barney
Series 3 - Commodities
Series 7 - NYSE/NASD General Securities License
Series 63 - Uniform State Exam
Series 65 - Investment Advisory Agent Life & Health Insurance License

Honors:
• CT Magazine Five Star Wealth Manager 2013-2015
Securities Agent: CT, WY, WI, WA, VT, VA, TX, TN, SD, SC, RI, PR, PA, OH, NY, NV, NJ, NH, NC, MN, MI, ME, MD, MA, LA, IN, IL, ID, GA, FL, DC, CO, CA, AZ, AK; Managed Futures; Transactional Futures/Commodities; General Securities Representative; Investment Advisor Representative
NMLS#: 185327

About Me

1979 - Present: Morgan Stanley

Education:
Undergraduate Studies
Northwestern Connecticut C.C.
Series 7 - General Securities Representative
Series 63 - Uniform State Exam
Series 65 - Investment Advisory Agent

Associations:
• 103 Combat Support Squadron
• Rotary International
Past President
Paul Harris Fellow
• Granby Chamber of Commerce former Board Member
• Granby Lions Club
Melvin Jones Fellow

Honors:
• Chairman's Council - Smith Barney
• President's Council - Smith Barney
• 2004 Chamber of Commerce Humanitarian of the Year
• 2012 - 2015 Five Star Wealth Manager Award
Securities Agent: CT, WI, WA, VT, VA, TX, TN, SD, SC, RI, PA, OH, NY, NV, NJ, NH, NC, MN, MI, ME, MD, MA, LA, IN, IL, GA, FL, DC, CO, CA, AK; General Securities Representative; Investment Advisor Representative
NMLS#: 185351
Investment and Market Perspectives

On the Markets

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
The Simple Six-Step Retirement Checkup

The Simple Six-Step Retirement Checkup

Given market volatility in 2018, checking in on your retirement plan may be one of the wisest New Year’s resolutions you can make.

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
Investing in Artificial Intelligence and Automation

Investing in Artificial Intelligence and Automation

AI is an exciting growth area, but the investing opportunities are not always obvious. Here’s how to integrate this theme into your portfolio.

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
A Parent's Guide to Talking to Your Kids About Money

A Parent's Guide to Talking to Your Kids About Money

Raising kids to be smart about money requires creating an environment where they are neither insecure, nor overconfident about family finances.

Business Planning

Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
  • Succession Planning
  • Business Planning
  • Retirement Plan Sponsors
  • Qualified Retirement Plans
  • Corporate Pension Funds
Facing Financial Stress? Your Employer May Be Able to Help

Facing Financial Stress? Your Employer May Be Able to Help

Many of us face money worries. You may be able to get advice and education from an unexpected source.

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
Choosing an Environmental Charity

Choosing an Environmental Charity

There are a multitude of non-profits dedicated to helping protect the environment. Here’s how to choose where you want to give.

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Ready to start a conversation? Contact The Willow Group today.
Market Information Delayed 20 Minutes
Certified Financial Planner™ Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and CFP® (with flame logo)® in the U.S., which it awards to individuals who successfully complete CFP® Board's initial and ongoing certification requirements.

1Investors should consider many factors before deciding which 529 plan is appropriate. Some of these factors include: the Plan’s investment options and the historical investment performance of these options, the Plan’s flexibility and features, the reputation and expertise of the Plan’s investment manager, Plan contribution limits and the federal and state tax benefits associated with an investment in the Plan. Some states, for example, offer favorable tax treatment and other benefits to their residents only if they invest in the state’s own Qualified Tuition Program. Investors should determine their home state’s tax treatment of 529 plans when considering whether to choose an in-state or out-of-state plan. Investors should consult with their tax or legal advisor before investing in any 529 Plan or contact their state tax division for more information. Morgan Stanley Smith Barney LLC does not provide tax and/or legal advice. Investors should review a Program Disclosure Statement, which contains more information on investment options, risk factors, fees and expenses and possible tax consequences.

2Alternative 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 suitable only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.

3Morgan 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.

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.

6Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.

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

8Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.

9Morgan 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.

10Morgan Stanley’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be suitable 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.

11Morgan 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.

12The 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.

13Morgan 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.

14Morgan 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.

15Income generated from an investment in a municipal bond is generally exempt from federal income taxes. Some income may be subject to state and local taxes and to the federal alternative minimum tax. Capital gains, if any, are subject to tax.

16Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.

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 suitable 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”) 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.


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