Thomas Lindia, CMFC®
Executive Director,
Branch Manager
Direct:
(302) 573-4044(302) 573-4044
My Mission Statement
My passion is treating all clients as though they were a part of my family and work hard to ensure they understand the ins and outs of all financial decisions they make. I look to arm my clients with knowledge so they feel empowered to make the best decisions for their specific goals and concerns. I aim to do this in a manner that is understandable and relatable to all, regardless of their level of financial sophistication.
My Story and Services
With over 20 years of industry experience, I strive to bridge the knowledge gap between clients and advanced wealth management issues on both the accumulation and liability side of their balance sheet. My approach is to deliver the highest level of professional service to every client relationship. Over the years I have learned that clients who understand the value of financial planning and portfolio diversification are more likely to be successful regardless of the short term moves of any market and thus, I put a great deal of effort in to what I believe are the crucial cornerstones dictating ones success; financial education and goals-based planning.
After taking the time to truly learn about my client, I am able to apply my knowledge and perspective to each situation and take advantage of the vast resources of Morgan Stanley. With a broad range of customized solutions and research, I look to provide a "best in class" client experience.
I work with my clients to help build customized and appropriate investment portfolios. I also help them develop and execute income planning and budgeting strategies once it comes time for them to turn their life savings in to a source of supplemental income. In addition, I also help clients with life and long-term care insurance to help protect the assets they have worked so hard to accumulate and grow.
My mission is to be the the trusted advisor that my clients are first to call when they have any wealth management needs, questions, or concerns. I want to be thought of as my client's quarterback for all things involving their wealth and the goals they have for it, regardless of the stage of life they may be in.
I have also found that working in conjunction with my clients other professionals, such as attorneys and tax preparers makes for a truly comprehensive and consistent client experience that ensures no stone is left unturned when in comes to my clients and their goals. Taxes can be one of a client's easiest investment "fees" to reduce and I seek to help you keep more of your wealth on an after-tax basis.
After taking the time to truly learn about my client, I am able to apply my knowledge and perspective to each situation and take advantage of the vast resources of Morgan Stanley. With a broad range of customized solutions and research, I look to provide a "best in class" client experience.
I work with my clients to help build customized and appropriate investment portfolios. I also help them develop and execute income planning and budgeting strategies once it comes time for them to turn their life savings in to a source of supplemental income. In addition, I also help clients with life and long-term care insurance to help protect the assets they have worked so hard to accumulate and grow.
My mission is to be the the trusted advisor that my clients are first to call when they have any wealth management needs, questions, or concerns. I want to be thought of as my client's quarterback for all things involving their wealth and the goals they have for it, regardless of the stage of life they may be in.
I have also found that working in conjunction with my clients other professionals, such as attorneys and tax preparers makes for a truly comprehensive and consistent client experience that ensures no stone is left unturned when in comes to my clients and their goals. Taxes can be one of a client's easiest investment "fees" to reduce and I seek to help you keep more of your wealth on an after-tax basis.
Securities Agent: MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, WY, WV, WI, WA, VT, VI, VA, UT, TX, TN, SD, SC, RI, PR, PA, OR, OK, OH, NY, NV, AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, LA, MA, KY, MD, ME; BM/Supervisor; General Securities Representative; Investment Advisor Representative
NMLS#: 1316483
NMLS#: 1316483
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Digital Tools and 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 that we offer our clients.
Digital Vault
Keeping important documents and financial records organized and readily available is one of the best gifts you can give those you love. In the event of catastrophe or serious illness, disability or death, your Family Records Organizer can immediately provide vital, timely information to both your family and professional advisors.
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.
eDelivery
eDelivery provides you with the ability to view statements and other Firm documents electronically in lieu of paper. Clients who are registered in Morgan Stanley Online may enroll in eDelivery.
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.
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.
LifeView
LifeView is a suite of planning tools that includes goal-specific analysis that Financial Advisors can use with clients to create a realistic, holistic strategy that integrates the various aspects of an individual’s financial life, including investments and cash management needs.
Upcoming Firm Events
The Lessons in Leadership Virtual Event Series will continue throughout 2025 . Check back soon for details on upcoming events.
Online
LATEST WEBCASTS
With the ever changing world of finance, people are looking for reliable resources to help them navigate through all the turbulence happening in the markets. These videos are a way for me to communicate and simplify complex financial themes to not only my clients, but for the everyday investor to understand what is happening in our economy and how to respond effectively.
Feel free to reach out to me if you have any questions or specific topics you would like me to cover.
Feel free to reach out to me if you have any questions or specific topics you would like me to cover.
Looming Government Shutdown
Vol. 1 Ep. 3 (September 2023)
In this latest episode, I discuss what we can expect from the looming Government Shutdown. Listen in to what this means, and how the economy may or more importantly may not be affected.
Click HereIn this latest episode, I discuss what we can expect from the looming Government Shutdown. Listen in to what this means, and how the economy may or more importantly may not be affected.
Vol. 2 Ep. 1 (January 2024)
What needs to go right in 2024 for the markets to continue the upside momentum that began last year? Find out in the latest episode of my Morgan Stanley Webcast Series.
Click HerePlan Your Future
I will work with you to understand what your priorities are during these crucial years and implement a customized strategy for you. Whether it is planning for retirement, transitioning into retirement, or already managing your assets in retirement, I am equipped with the resources and the knowledge to help you accomplish your personal and financial goals.
Understanding your Savings Vehicles
When it comes to retirement savings, the most important thing is to get started—after all, time is one of your greatest assets. Although retirement may seem far for some, it is essential to get started on planning for future living expenses, potential education funds, or travel costs. Let us help you educate on ways to grow and preserve your wealth.
Risks to Your Retirement
Once you determine what kind of retirement you want, we will work together to take a closer look at the risks that might be standing between you and your retirement goals. No matter how well you save during the accumulation phase, it’s critical to plan how you convert those assets to income. We can help you navigate the challenges that may arise.
Impact of Taxes
The strategies you use when drawing down your retirement savings can have a significant impact on how much you’ll pay in taxes and may help you keep more of the returns. Each retiree’s situation is different but establishing a tax management strategy for your investments can help you retain more of your investment returns.
The Psychological Transition into Retirement
Most retirement preparations focus on financial planning, but it is equally crucial to look at personal considerations and help you with easing the fear of the unknown. Given that many people overlook the psychological adjustments of retirement, we can help you understand why it’s important to be emotionally (not just financially) ready for retirement.
Client Service Team
Thomas Linda - Financial Advisor, Senior Vice President, Branch Manager
Phone:
(302) 573-4044(302) 573-4044
Email:Thomas.Lindia@morganstanley.com
Thomas J. Lindia, III, CMFCSM
Branch Manager
Senior Vice President
Financial Advisor
Financial Planning Specialist
Portfolio Manager
Insurance Planning Director
Tom Lindia, a registered investment professional, has been in the financial services industry since 1999. Tom has the distinct background of spending four years working with and training financial advisors of the country’s largest national broker/dealers before deciding to work with individual investors and small businesses.
Tom is committed to educating his clients and seeks to make sure they have a competent understanding of the various investment solutions and strategies that are available to them to help implement their individual financial goals. Tom understands that the financial landscape is ever changing and often creates anxiety for many investors. He helps his clients build confidence in their financial plans regardless of the short-term fluctuations in the market. Tom accomplishes this by making sure he listens intently to his clients needs and that he and his clients meet on a regular basis. Tom helps his clients understand the importance of focusing on long term goals and strategic risk management planning. Tom is a firm believer that proper asset allocation can help manage investment volatility. Tom looks for clients who are interested in building long term relationships with their financial advisor.
In 2021 Tom became a Branch Manager as part of Morgan Stanley’s Greater Chesapeake Complex Leadership Team; a role that allows him to share his experience and successes with his peers. In 2024 Tom was named a Forbes ‘Best- In-State’ Advisor*. Tom holds his series 6, 7, 9, 10, 63, 65, life and health insurance licenses. Tom is also a Chartered Mutual Fund CounselorSM which is a designation awarded by the College for Financial Planning. Tom is also a Certified Mentor and enjoys giving back to others in the form of coaching. Tom is a graduate of the University of Delaware where he graduated with a Bachelor of Arts in Psychology.
Outside of his profession, Tom is focused on his family, health, fitness, and nutrition. His passion around health and fitness came after making significant life changes in 2023. Tom and his family enjoy spending time together, especially in Bethany Beach, DE. Tom and his wife, Kim have been together since 1995 and have three daughters, Isabella, Ava and Sophia. They reside in Middletown and Bethany Beach, DE.
Forbes America's Top Wealth Advisors & Best-In-State Wealth Advisors
Source: Forbes.com (Awarded April 2024) Data compiled by SHOOK Research LLC for the period 6/30/22 - 6/30/23.
Asset Allocation does not assure a profit or protect against loss in declining financial markets.
Branch Manager
Senior Vice President
Financial Advisor
Financial Planning Specialist
Portfolio Manager
Insurance Planning Director
Tom Lindia, a registered investment professional, has been in the financial services industry since 1999. Tom has the distinct background of spending four years working with and training financial advisors of the country’s largest national broker/dealers before deciding to work with individual investors and small businesses.
Tom is committed to educating his clients and seeks to make sure they have a competent understanding of the various investment solutions and strategies that are available to them to help implement their individual financial goals. Tom understands that the financial landscape is ever changing and often creates anxiety for many investors. He helps his clients build confidence in their financial plans regardless of the short-term fluctuations in the market. Tom accomplishes this by making sure he listens intently to his clients needs and that he and his clients meet on a regular basis. Tom helps his clients understand the importance of focusing on long term goals and strategic risk management planning. Tom is a firm believer that proper asset allocation can help manage investment volatility. Tom looks for clients who are interested in building long term relationships with their financial advisor.
In 2021 Tom became a Branch Manager as part of Morgan Stanley’s Greater Chesapeake Complex Leadership Team; a role that allows him to share his experience and successes with his peers. In 2024 Tom was named a Forbes ‘Best- In-State’ Advisor*. Tom holds his series 6, 7, 9, 10, 63, 65, life and health insurance licenses. Tom is also a Chartered Mutual Fund CounselorSM which is a designation awarded by the College for Financial Planning. Tom is also a Certified Mentor and enjoys giving back to others in the form of coaching. Tom is a graduate of the University of Delaware where he graduated with a Bachelor of Arts in Psychology.
Outside of his profession, Tom is focused on his family, health, fitness, and nutrition. His passion around health and fitness came after making significant life changes in 2023. Tom and his family enjoy spending time together, especially in Bethany Beach, DE. Tom and his wife, Kim have been together since 1995 and have three daughters, Isabella, Ava and Sophia. They reside in Middletown and Bethany Beach, DE.
Forbes America's Top Wealth Advisors & Best-In-State Wealth Advisors
Source: Forbes.com (Awarded April 2024) Data compiled by SHOOK Research LLC for the period 6/30/22 - 6/30/23.
Asset Allocation does not assure a profit or protect against loss in declining financial markets.
Securities Agent: MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, WY, WV, WI, WA, VT, VI, VA, UT, TX, TN, SD, SC, RI, PR, PA, OR, OK, OH, NY, NV, AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, LA, MA, KY, MD, ME; BM/Supervisor; General Securities Representative; Investment Advisor Representative
NMLS#: 1316483
NMLS#: 1316483
Jennifer Leary - Portfolio Associate
Phone:
(302) 573-4028(302) 573-4028
Email:jennifer.leary@morganstanley.com
Location
55 Cascade Lane
Rehoboth Beach, DE 19971
US
Direct:
(302) 573-4044(302) 573-4044
Fax:
(302) 450-1266(302) 450-1266
Wealth Management
From My Desk
Understanding Your Retirement Plan Options When You Leave a Job
Wealth Management
Global Investment Office
Portfolio Insights
Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
A Simple Six-Step Retirement Checkup
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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
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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Ready to start a conversation? Contact Thomas Lindia today.
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
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)
