Douglas M. Jarrard, CFA, CAIA
Managing Director, Wealth Management, Financial Advisor, Alternative Investments Director, Senior Portfolio Management Director, Senior Institutional Consultant
Phone:
(301) 556-2320(301) 556-2320
Three Oaks Wealth Management at Morgan Stanley
Douglas M. Jarrard, CFA, CAIARyan J. Bowman, CRPS®, CRPC®Richard GolodEvan Wilson, CFP®, QPFC, CPWA®Cade Jarrard, CFA®
Direct:
(301) 556-2320(301) 556-2320
Toll-Free:
(800) 624-0673(800) 624-0673
Our Mission Statement
To enrich the clients, communities and professionals we serve through exceptional service and thoughtful advice.
Three Oaks Wealth Management at Morgan Stanley
We, at Three Oaks Wealth Management, each have our own distinct skills and knowledge that, collectively applied, address your unique financial needs and goals – effectively and efficiently. In our industry, it is rare to have such a wealth of talent and abilities represented in one financial team. In 2022, Three Oaks Wealth Management was ranked #57th nationally on the Barron's Top 100 Private Wealth Management Teams and ranked #43rd nationally on Forbes Top Wealth Management Teams. In 2024, Three Oaks Wealth Management was nationally ranked on Barron's Top 250 Private Wealth Management Teams, In 2023 and 2024, Three Oaks Wealth Management ranked #3rd in the State of Maryland for Forbes Best-In-State Wealth Management Teams.
Our practice was founded on three core values of Integrity, Connection, Innovation. These tenets – what we call our "three oaks" – embody our legacy and the standards by which you should measure us.
- Integrity is the unwavering commitment to honesty, ethics, and moral principles. In our business, it serves as the cornerstone, ensuring transparent and trustworthy practices. Upholding integrity means always prioritizing our clients' best interests, maintaining fiduciary responsibility, and adhering to ethical standards, fostering long-term trust and success.
- Connection is the art of building meaningful relationships based on trust, empathy, and collaboration. In our practice, it's about understanding clients' unique goals, values, and aspirations. Cultivating genuine connections fosters loyalty, open communication, and a deep understanding of our clients' financial journeys, ultimately leading to personalized strategies and enduring partnerships built on mutual respect and shared success.
- Innovation is the relentless pursuit of novel ideas, solutions, and approaches to enhance and revolutionize processes. For us, it fuels the drive to continuously adapt and improve strategies, leveraging cutting-edge technologies and methodologies. Embracing innovation fosters agility, competitiveness, and the ability to meet evolving client needs, propelling the practice toward sustainable growth and excellence.
Whether you are planning for retirement, strengthening your business, or creating a family legacy, we will thoughtfully develop a wealth management portfolio aimed at preserving your wealth, meeting your current financial needs, and creating the future you seek for yourself and your loved ones.
Being Financial Advisors is all about building relationships with clients. By learning more about you and your needs, we are able to offer more personalized advice and service. Please read below to learn more about our accolades.
2024 Barron's Top 250 Private Wealth Management Teams
Source: Barron's.com (Awarded Apr 2024) Data compiled by Barron's for the period Jan 2023-Dec 2023.
2022 Barron's Top 100 Private Wealth Management Teams
Source: Barron's.com (Awarded Apr 2022) Data compiled by Barron's based on time period from Dec 2020 - Dec 2021.
2022 - 2025 Forbes America's Top Wealth Management Teams
Source: Forbes.com (Awarded 2022, 2023 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.
2022 - 2025 Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded 2022, 2023, 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.
Services Include
- Wealth ManagementFootnote1
- 401(k) Rollovers
- 529 PlansFootnote2
- Alternative InvestmentsFootnote3
- AnnuitiesFootnote4
- Asset Management
- Business PlanningFootnote5
- Cash ManagementFootnote6
- Corporate Retirement PlansFootnote7
- Defined Contribution PlansFootnote8
- Endowments and FoundationsFootnote9
- Estate Planning StrategiesFootnote10
- Financial PlanningFootnote11
- Institutional ServicesFootnote12
- Lending Products
- Life InsuranceFootnote13
- Long Term Care InsuranceFootnote14
- Philanthropic Services
- Professional Portfolio ManagementFootnote15
- Qualified Retirement PlansFootnote16
- Retirement PlanningFootnote17
- Trust AccountsFootnote18
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
INTEGRITY - CONNECTION - INNOVATION
Our practice was founded on these three core values. These tenets – what we call our “three oaks” – embody our legacy and the standards by which you should measure us. We are committed to delivering a category of one experience to our clients.
CFA - Chartered Financial Analyst®
The CFA certification is handed out by the CFA Institute, which is the premier global nonprofit association for investment professionals that sets the highest standards for professional excellence and credentials. Chartered Financial Analyst certification is the highest distinction in the investment management profession, and it is one of the most respected designations in finance. It is widely considered to be the gold standard in the field of investment analysis. As of July 2023, there are over 190,000 CFA charter holders worldwide in 165+ countries and regions.
Douglas M. Jarrard and Cade Jarrard hold this certification.
Douglas M. Jarrard and Cade Jarrard hold this certification.
Certified Financial Planners® - CFP®
The CFP® certification is the industry standard for financial planning. CFP® professionals focus on holistic planning and helping clients navigate insurance, budgeting and retirement needs. CFP® professionals’ study and are tested on topics such as insurance planning, asset protection planning, tax planning and general financial planning and consulting strategies.
Evan Wilson holds this certification.
Evan Wilson holds this certification.
Certified Private Wealth Advisor® - CPWA®
The CPWA® certification is owned and issued by the Investments & Wealth Institute. Its stated mission is to deliver premier investment consulting and wealth management credentials and world-class education. The Certified Private Wealth Advisor® (CPWA®) certification is an advanced professional certification for advisors who serve high-net-worth clients. It’s designed for seasoned professionals who seek the latest, most advanced knowledge and techniques to address the sophisticated needs of clients with a minimum net worth of $5 million. The CPWA® program takes a holistic and multidisciplinary approach that includes a deep dive into sophisticated wealth strategies, estate planning, wealth transfer, behavioral finance, family dynamics, tax management, and legacy planning. As of 2018 there were fewer than 2,000 CPWA® practitioners nationwide.
Evan Wilson holds this certification.
Evan Wilson holds this certification.
Chartered Alternative Investment Analyst® - CAIA®
The Chartered Alternative Investment Analyst® - CAIA® certification is recognized globally as the benchmark for analysis, application, and standards of practice in the alternative investments arena. The CAIA Charter, offered by CAIA Association®, is the globally-recognized credential for professionals who manage, analyze, distribute, or regulate alternative investments such as hedge funds, venture capital, private equity, and real estate.
Douglas M. Jarrard holds this certification.
Douglas M. Jarrard holds this certification.
Chartered Retirement Plans Specialist® - CRPS®
Chartered Retirement Plans Specialist® - CRPS®
The Chartered Retirement Plans Specialist® -CRPS® is a credential awarded by the College for Financial Planning for advisors focused on creating, implementing and maintaining retirement plans for businesses. The core areas of focus include IRAs, plans for small businesses, defined contribution plans, defined benefit plans and plan sponsors' fiduciary issues.
Ryan Bowman holds this certification.
The Chartered Retirement Plans Specialist® -CRPS® is a credential awarded by the College for Financial Planning for advisors focused on creating, implementing and maintaining retirement plans for businesses. The core areas of focus include IRAs, plans for small businesses, defined contribution plans, defined benefit plans and plan sponsors' fiduciary issues.
Ryan Bowman holds this certification.
Chartered Retirement Planning Counselor® - CRPC®
The Chartered Retirement Planning Counselor® - CRPC® certification provides financial advisors by guiding them through distinctive tax and estate objectives and strategies for a retiree and presents the financial and emotional aspects of financial planning. In short, the program helps advisors define a “road map to retirement,” enabling them to focus on the pre- and post-retirement needs of their clients.
Ryan Bowman holds this certification.
Ryan Bowman holds this certification.
Qualified Plan Financial Consultant - QPFC
The Qualified Plan Financial Consultant - QPFC credential is issued by National Association of Plan Advisors. The QPFC program provides an understanding of general retirement planning concepts, terminology, distinctive features of qualified plans and the role of retirement plan professionals. It is the professional credential for financial professionals who sell, advise, market or support qualified retirement plans. QPFC is for professionals with two to three years of retirement plan experience. A candidate will be expected to demonstrate a general proficiency of plan administration, compliance, investment, fiduciary, and ethics issues.
Evan Wilson and Kate Gallo* hold this certification.
*Disclaimer: This role cannot solicit or provide investment advice.
Evan Wilson and Kate Gallo* hold this certification.
*Disclaimer: This role cannot solicit or provide investment advice.
Certified Fund Specialist - CFS®
Earning the Certified Fund Specialist - CFS® certification from the Institute of business and finance, demonstrates that an individual with this certification has knowledge in mutual funds and the mutual fund industry. These individuals often advise clients on which funds to invest in and, depending on whether or not they have their license, they will buy and sell funds for clients. The Institute of Business and Finance (IBF), formerly known as the Institute of Certified Fund Specialists, provides training for the CFS, and the course focuses on a variety of mutual fund topics, including portfolio theory, dollar-cost averaging and annuities. The knowledge these CFS designees hold is kept current through their continuing education requirements.
James Henson* holds this certification.
*Disclaimer: This role cannot solicit or provide investment advice.
James Henson* holds this certification.
*Disclaimer: This role cannot solicit or provide investment advice.
Certified Investment Management Analyst® - CIMA®
The Certified Investment Management Analyst® - CIMA® certification is the peak international, technical portfolio construction certification program designed for investment consultants, researchers, advisors and wealth management professionals. The CIMA certification signifies that an individual has met initial and ongoing experience, ethical, education, and examination requirements for investment management consulting, including advanced investment management theory and application.
Kate Gallo* holds this certification.
Kate Gallo* holds this certification.
Barron's Top 250 Private Wealth Management Teams
Three Oaks Wealth Management at Morgan Stanley was recognized by Barron's on the 2024 Barron's Top 250 Private Wealth Management Teams national ranking.
Source: Barron's.com (Awarded May 2024) Data compiled by Barron's for the period Jan 2023-Dec 2023.
Source: Barron's.com (Awarded May 2024) Data compiled by Barron's for the period Jan 2023-Dec 2023.
Forbes America's Top Wealth Management Teams
Three Oaks Wealth Management at Morgan Stanley was recognized by Forbes on their 2022 - 2025 Forbes America's Top Wealth Management Teams rankings.
Source: Forbes.com (Awarded 2022, 2023, 2024) Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of year prior to the issuance of the award.
Source: Forbes.com (Awarded 2022, 2023, 2024) Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of year prior to the issuance of the award.
Barron's Top 100 Private Wealth Management Teams
Three Oaks Wealth Management at Morgan Stanley was recognized by Barron's on their 2022 Barron's Top 100 Private Wealth Management Teams national ranking.
Source: Barron's.com (Awarded Apr 2022) Data compiled by Barron's based on time period from Dec 2020 - Dec 2021.
Source: Barron's.com (Awarded Apr 2022) Data compiled by Barron's based on time period from Dec 2020 - Dec 2021.
Forbes Best-In-State Wealth Management Teams
Three Oaks Wealth Management at Morgan Stanley was recognized by Forbes on their 2022 - 2025 Best-In-State Wealth Advisors ranking.
Source: Forbes.com (Awarded 2022 - 2024). Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of year prior to the issuance of the award.
Source: Forbes.com (Awarded 2022 - 2024). Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of year prior to the issuance of the award.
Barron's Top 1,200 Financial Advisors: State-by-State
2021 - 2024 Barron's Top 1,200 Financial Advisors: State-by-State recognized Ryan J. Bowman, CRPS®, CRPC®, Managing Director, Wealth Management, Financial Advisor, Corporate Retirement Director, Financial Wellness Director.
Source: Barron's.com (Awarded 2021 - 2024). Data compiled by Barron's based on 12-month period concluding in Sept of the year prior to the issuance of the award.
Source: Barron's.com (Awarded 2021 - 2024). Data compiled by Barron's based on 12-month period concluding in Sept of the year prior to the issuance of the award.
Forbes Best-In- State Wealth Advisors
2020 - 2024 Forbes Best-In- State Wealth Advisors recognized Douglas M. Jarrard, CFA, CAIA, Managing Director, Financial Advisor, Alternative Investments Director, Senior Portfolio Management Director, Senior Institutional Consultant, and Ryan J. Bowman, CRPS®, CRPC®, Managing Director, Wealth Management, Financial Advisor, Corporate Retirement Director, Financial Wellness Director.
Source: Forbes.com (Awarded 2020 - 2024). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
Source: Forbes.com (Awarded 2020 - 2024). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
Three Oaks Wealth Management at Morgan Stanley
Our 9-person team has a diversity of knowledge that makes us capable to address the traditional to the complex.
Learn More About Our TeamPortfolio Management Strategies
Golod Asset Class Rotation Strategy (GACR)
- ETF based core domestic equity strategy benchmarked to the S&P 500
- Uses Rick Golod’s proprietary rules-based asset class rotation model to overweight “best-predicted” asset class
- Ability to position portfolio defensively if models suggest that the equity markets are susceptible to significant correction
Click here to view the GACR Strategy Factsheet- Uses Rick Golod’s proprietary rules-based asset class rotation model to overweight “best-predicted” asset class
- Ability to position portfolio defensively if models suggest that the equity markets are susceptible to significant correction
TOWM Dividend Portfolio
- The Dividend portfolio’s objective is growth of capital and income which is achieved by seeking to invest in stocks of large-cap companies that pay dividends.
- We seek companies with a strong commitment to growing their dividend, or companies that are undergoing secular change – that may often initiate a dividend.
- Our team uses macroeconomic and technical analysis to help inform sector weights and buy/sell decisions. Although generally these are secondary considerations to fundamental analysis.
Click here to view the TOWM Dividend Portfolio- We seek companies with a strong commitment to growing their dividend, or companies that are undergoing secular change – that may often initiate a dividend.
- Our team uses macroeconomic and technical analysis to help inform sector weights and buy/sell decisions. Although generally these are secondary considerations to fundamental analysis.
Golod Global Opportunities And Tactical Portfolio (GOAT)
- ETF based global equity strategy benchmarked to the MSCI ACWI Index
- Uses a combination of Rick Golod’s proprietary GACR model and global economic themes to build a global equity portfolio
- The portfolio can invest in various country, sector, or factor-based ETFs to express macro-economic conditions that might lead to outperformance
- Ability to position portfolio defensively if models suggest that the equity markets are susceptible to significant correction
Click here to view the GOAT Portfolio Factsheet- Uses a combination of Rick Golod’s proprietary GACR model and global economic themes to build a global equity portfolio
- The portfolio can invest in various country, sector, or factor-based ETFs to express macro-economic conditions that might lead to outperformance
- Ability to position portfolio defensively if models suggest that the equity markets are susceptible to significant correction
TOWM Focus Portfolio
- The Focus portfolio’s primary objective is aggressive growth of capital by investing in stocks of primarily large-cap companies.
- We analyze the balance sheet of each portfolio company to ensure financial strength and flexibility.
- Various relative valuation techniques are employed to further refine our search for attractively priced investments.
- Our team uses macroeconomic analysis to predict which sectors may perform best given prevailing economic conditions. We focus our research on these sectors looking for under-valued stocks. Our macroeconomic view also helps to inform sector weightings.
Click here to view the Focus Portfolio Factsheet- We analyze the balance sheet of each portfolio company to ensure financial strength and flexibility.
- Various relative valuation techniques are employed to further refine our search for attractively priced investments.
- Our team uses macroeconomic analysis to predict which sectors may perform best given prevailing economic conditions. We focus our research on these sectors looking for under-valued stocks. Our macroeconomic view also helps to inform sector weightings.
TOWM SMID Cap (TOSM) Portfolio
- The TOSM portfolio’s primary objective is aggressive growth of capital by investing in stocks of small and mid-size companies.
Click here to view the TOSM Strategy Factsheet
TOWM Core Equity Portfolio
- The Core Equity portfolio’s objective is growth of capital by investing in the Three Oaks Wealth Management’s “Best Ideas” in individual equity securities.
Click here to view the Core Equity Strategy Factsheet
TOWM Select Portfolios
Select portfolios incorporate our GOAT, Core Equity and fixed income portfolios into one strategy to create a balanced, multi-market approach.
Click here to view the TOWM Select Portfolios StrategyTOWM TUESDAY TALKS, UPCOMING EVENTS, AND FINANCIAL EDUCATION
Upcoming Tuesday Talk Call Series and Financial Education with Three Oaks Wealth Management at Morgan Stanley.
- Home Buying at 4PM ET, Monday, March 3, 2025
- Tying the Financial Knot at 4PM ET, Monday, April 7, 2025
- Money & Saving at 4PM ET, Monday, May 5, 2025
- Introduction to Money Saving
- Credit and Debt Management
- Cybersecurity
- Exploring Investments
- Giving Back
- Health Is Wealth
- Estate Planning 101
- Entrepreneurship 101
- Navigating College, Career Paths, & Personal Branding
- Understanding Market Dynamics
Tuesday Talk Webinar Event: Tuesday, February 25th, 2025 at 5:00 PM ET
Join us for this month's Tuesday Talk, where the team will discuss our yearend thoughts.
Date: Tuesday, February 25th, 2025
Time: 5:00 p.m. ET (30 minutes)
Wealth Education for the Next Generation: Upcoming Events
At Morgan Stanley, we believe that knowledge is the key to unlocking future success. Since April 2024, the firm has hosted an event on the first Monday of the month to teach young people about financial concepts, investing, and money management in a fun and interactive way. Here are the upcoming call topics and details:
Thoughts On The Market Podcast
Perspectives on the forces shaping markets.
The Morgan Stanley Podcast brings you revealing stories about the world of business, finance, technology, and beyond. Click the link beliow for more information and to access the library of content.
What Should I Do With My Money Podcast
A podcast where real people get real answers from Financial Advisors to their most important questions about money.
Managing our money is one of the most important aspects of our lives, and yet, many people don't have someone they can depend on for help when they need it.
Wealth Education for the Next Generation: Replays
Commitment to Our Community
At Three Oaks Wealth Management, we share our clients' commitment to generously supporting the causes and communities they are passionate about. Here are just some of the organizations to which our team members devote their money and time.
Douglas M. Jarrard
- The Jim and Carol Trawick Foundation
- The First Tee of Greater Washington DC
- Second Harvest Food Bank of Central Florida
- Crohn’s & Colitis Foundation of Central and Northeastern FL
- The First Tee of Greater Washington DC
- Second Harvest Food Bank of Central Florida
- Crohn’s & Colitis Foundation of Central and Northeastern FL
Ryan Bowman
- YMCA of Frederick County
- YoungLife
- Building Bridges Across the River
- Fellowship of Christian Athletes
- Fourth Presbyterian Church
- YoungLife
- Building Bridges Across the River
- Fellowship of Christian Athletes
- Fourth Presbyterian Church
Rick Golod
- Navy Seal Foundation
- "In The Pink" – A Non-Profit for Women Living With Cancer
- "In The Pink" – A Non-Profit for Women Living With Cancer
Evan Wilson
- PGA of America
- The First Tee of Greater Washington DC
- The First Tee of Greater Washington DC
Cade Jarrard
- Clothes to Kids
- The Morgan Stanley Foundation
- The Morgan Stanley Foundation
James Henson
- Ladew Topiary Gardens
- Melwood
- Old Farm Swim and Paddle
- Melwood
- Old Farm Swim and Paddle
Kristin Alexander
- BCC Big Train
- St. Jude's Children's Research Hospital
- St. Jude's Children's Research Hospital
Jessica Sewell
- YoungLife
- YoungLives
- Paws of War
- YoungLives
- Paws of War
Kate Gallo
- American Cancer Society
- Salvation Army
- Salvation Army
Location
702 King Farm Blvd
Suite 500
Rockville, MD 20850
US
Direct:
(301) 556-2320(301) 556-2320
Toll-Free:
(800) 624-0673(800) 624-0673
Fax:
(301) 760-3620(301) 760-3620
150 2nd Ave N
Suite 1400
St. Petersburg, FL 33701
US
Direct:
(727) 507-5761(727) 507-5761
Meet Three Oaks Wealth Management
Ryan J. Bowman, CRPS®, CRPC®
Managing Director, Wealth Management, Financial Advisor, Corporate Retirement Director, Financial Wellness Director
Phone:
(301) 556-2322(301) 556-2322
Richard Golod
Senior Vice President, Financial Advisor, Portfolio Management Director
Phone:
(301) 556-2320(301) 556-2320
Evan Wilson, CFP®, QPFC, CPWA®
Vice President, Financial Advisor
Phone:
(301) 556-2346(301) 556-2346
Cade Jarrard, CFA®
Financial Advisor, Financial Planning Specialist
Phone:
(727) 507-5761(727) 507-5761
James Henson, CFS®, QPFC
Vice President, Investment Consulant, Financial Planning Associate
Kristin Alexander
Vice President, Group Director
Jessica Sewell
Assistant Vice President, Business Development Associate
Kate Gallo, CIMA®, QPFC*
Wealth Management Associate
About Douglas M. Jarrard
Douglas M. Jarrard, CFA, CAIA
Managing Director, Wealth Management
Financial Advisor
U.S. Navy Veteran
Alternative Investments Director
Senior Portfolio Management Director
Senior Institutional Consultant
Doug Jarrard focuses on investment research, portfolio management and portfolio construction. He is responsible for developing and implementing investment policy for the Three Oaks team of advisors.
Doug earned the Chartered Financial Analyst™ (CFA®) designation in 2003. He is a member of the CFA® Institute and the Orlando CFA® Society. In 2010, he earned the Senior Institutional Consultant designation with Morgan Stanley’s Consulting Group, and, in 2016, the Chartered Alternative Investment Analyst (CAIA®) designation. Additionally, Doug is a member of the Miami chapter of the CAIA® Association and serves on the board of directors of the Portfolio Management Institute.
Doug graduated from Duke University with a Bachelor of Science degree in mechanical engineering and material science. He was commissioned as an officer in the United States Navy, where he served on the USS Seawolf nuclear attack submarine. In 1999, after his time in the Navy, he began his career at Morgan Stanley. Doug lives in Lake Mary, Florida and is an avid Crossfitter who enjoys many outdoor activities, including golf, hiking, boating and running. He currently serves on the board of the Jim and Carol Trawick Foundation and supports many charitable organizations in the Washington, D.C. and Florida area.
Doug is honored to be named to the following national lists:
2020 - 2024 Forbes Best-In- State Wealth Advisors
Source: Forbes.com (Awarded 2020, 2021, 2022, 2023, 2024). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
Managing Director, Wealth Management
Financial Advisor
U.S. Navy Veteran
Alternative Investments Director
Senior Portfolio Management Director
Senior Institutional Consultant
Doug Jarrard focuses on investment research, portfolio management and portfolio construction. He is responsible for developing and implementing investment policy for the Three Oaks team of advisors.
Doug earned the Chartered Financial Analyst™ (CFA®) designation in 2003. He is a member of the CFA® Institute and the Orlando CFA® Society. In 2010, he earned the Senior Institutional Consultant designation with Morgan Stanley’s Consulting Group, and, in 2016, the Chartered Alternative Investment Analyst (CAIA®) designation. Additionally, Doug is a member of the Miami chapter of the CAIA® Association and serves on the board of directors of the Portfolio Management Institute.
Doug graduated from Duke University with a Bachelor of Science degree in mechanical engineering and material science. He was commissioned as an officer in the United States Navy, where he served on the USS Seawolf nuclear attack submarine. In 1999, after his time in the Navy, he began his career at Morgan Stanley. Doug lives in Lake Mary, Florida and is an avid Crossfitter who enjoys many outdoor activities, including golf, hiking, boating and running. He currently serves on the board of the Jim and Carol Trawick Foundation and supports many charitable organizations in the Washington, D.C. and Florida area.
Doug is honored to be named to the following national lists:
2020 - 2024 Forbes Best-In- State Wealth Advisors
Source: Forbes.com (Awarded 2020, 2021, 2022, 2023, 2024). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
Securities Agent: NE, OK, KY, AR, WY, VT, NY, ID, RI, KS, SD, NJ, PA, AK, VA, AL, UT, SC, OR, TN, OH, MA, MI, WV, NH, MT, GA, ND, CT, NM, DE, IN, NV, NC, WI, CA, IA, TX, WA, HI, IL, MS, FL, MN, MO, MD, ME, CO, LA, DC, AZ; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1268214
CA Insurance License #: 0D74553
NMLS#: 1268214
CA Insurance License #: 0D74553
About Ryan J. Bowman
Ryan J. Bowman, CRPS®, CRPC
Managing Director, Wealth Management
Corporate Retirement Director
Financial Wellness Director
Financial Advisor
Financial Planning Specialist
Ryan Bowman focuses on wealth-transfer strategies and corporate retirement plans. Throughout his career, Ryan has worked tirelessly to provide clients with the utmost personal care and attention. He carefully and thoughtfully listens to his clients to help them create financial-planning strategies specifically tailored to their objectives. Knowing that the markets move quickly and are constantly changing, he focuses on long-term strategic solutions and meeting the complex financial needs of families and business organizations.
Ryan joined the Morgan Stanley team in 2001 and was previously a Financial Services Advisor with Prudential Financial. He has been named to Morgan Stanley’s prestigious President’s Club – an elite group composed of the firm's top Financial Advisors – since 2015. Most recently, Ryan was named one of Barron’s Magazine Top National 1200 Financial Advisors in 2023. This appointment recognizes Ryan’s excellence in providing a wide range of investment products and wealth-management services to his clients. Ryan graduated from McDaniel College with a degree in communications.
In his free time, Ryan enjoys spending time with his wife, Katie and their four children: Mackenzie, Clayton, Bailey and Jonathan. Together they enjoy hiking, golf, fly fishing and the great outdoors. Ryan is a member of Baltimore Country Club, Pikewood National Golf Club, and Jackson Hole Golf and Tennis. Ryan is active in his community and has formerly served on the Mount Airy Christian Academy Board, the YMCA South County Advisory Board and the Frederick County Young Life committee. He is also an active member of Fourth Presbyterian Church in Bethesda.
Ryan is honored to be named to the following national lists:
2021 - 2024 Barron's Top 1,200 Financial Advisors: State-by-State
Source: Barron's.com (Awarded 2021, 2022, 2023, 2024) Data compiled by Barron's based on 12-month period concluding in Sept of the year prior to the issuance of the award.
2020 - 2024 Forbes Best-In- State Wealth Advisors
Source: Forbes.com (Awarded 2020, 2021, 2022, 2023, 2024). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
Managing Director, Wealth Management
Corporate Retirement Director
Financial Wellness Director
Financial Advisor
Financial Planning Specialist
Ryan Bowman focuses on wealth-transfer strategies and corporate retirement plans. Throughout his career, Ryan has worked tirelessly to provide clients with the utmost personal care and attention. He carefully and thoughtfully listens to his clients to help them create financial-planning strategies specifically tailored to their objectives. Knowing that the markets move quickly and are constantly changing, he focuses on long-term strategic solutions and meeting the complex financial needs of families and business organizations.
Ryan joined the Morgan Stanley team in 2001 and was previously a Financial Services Advisor with Prudential Financial. He has been named to Morgan Stanley’s prestigious President’s Club – an elite group composed of the firm's top Financial Advisors – since 2015. Most recently, Ryan was named one of Barron’s Magazine Top National 1200 Financial Advisors in 2023. This appointment recognizes Ryan’s excellence in providing a wide range of investment products and wealth-management services to his clients. Ryan graduated from McDaniel College with a degree in communications.
In his free time, Ryan enjoys spending time with his wife, Katie and their four children: Mackenzie, Clayton, Bailey and Jonathan. Together they enjoy hiking, golf, fly fishing and the great outdoors. Ryan is a member of Baltimore Country Club, Pikewood National Golf Club, and Jackson Hole Golf and Tennis. Ryan is active in his community and has formerly served on the Mount Airy Christian Academy Board, the YMCA South County Advisory Board and the Frederick County Young Life committee. He is also an active member of Fourth Presbyterian Church in Bethesda.
Ryan is honored to be named to the following national lists:
2021 - 2024 Barron's Top 1,200 Financial Advisors: State-by-State
Source: Barron's.com (Awarded 2021, 2022, 2023, 2024) Data compiled by Barron's based on 12-month period concluding in Sept of the year prior to the issuance of the award.
2020 - 2024 Forbes Best-In- State Wealth Advisors
Source: Forbes.com (Awarded 2020, 2021, 2022, 2023, 2024). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
Securities Agent: TN, TX, UT, VA, WA, WI, WV, WY, NE, OK, VT, AR, AK, AL, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NH, NJ, NM, NV, NY, OH, OR, KY, PA, RI, SC, SD; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1278735
CA Insurance License #: 0G23973
NMLS#: 1278735
CA Insurance License #: 0G23973
About Richard Golod
Richard Golod returned to Morgan Stanley in 2017, specifically joining the Three Oaks Wealth Management Team, to provide investment advice and manage the Golod Asset Class Rotation Strategy and the Golod Global Opportunities and Tactical Strategy. Both of these proprietary strategies are discretionary portfolios under Morgan Stanley’s Portfolio Management program. Rick’s rules-based strategies focus on the factors that drive asset class and sector performance.
For the 20 years prior to joining Three Oaks, Rick was the chief global strategist at some of the world’s largest financial institutions, including Morgan Stanley Asset Management, Van Kampen Investments and Invesco. In these roles, he was responsible for originating and providing the investment outlook for the mutual fund distribution arm of the firms. Rick is a Certified Investment Strategist and has held the Certified Investment Management Analyst (CIMA) designation. He graduated from Washington University in Saint Louis with a degree in finance and a concentration in investments.
Rick has been asked to share his insights through personal appearances, industry roundtables and written commentary. He lectured at the Wharton School of Business, Yale University, Rice University, Utah State and The United States Naval Academy’s Honors Economic Class. His deep understanding of the global markets led to an invitation to share his global economic outlook for a think tank at the Pentagon.
Born in Africa and raised in Europe and Asia, Rick combines a unique global perspective with nearly forty years of investment experience. He believes his diverse background helps him better understand the complexities investing overseas. His research in identifying the U.S. market’s natural rotation – a pattern of asset class outperformance/underperformance – is considered innovative and groundbreaking.
In his free time, Rick is an avid cyclist, enjoys molecular gastronomy, and sailing. He is also involved with dragon boat racing for breast cancer survivors, the Navy Seal Foundation, and Feeding America.
Awards:
Team Member of the Forbes Best-In-State Wealth Management Teams
2022 - 2024 Forbes Best-In-State Wealth Management Teams. Source: Forbes.com (Awarded 2022, 2023, 2024). Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of year prior to the issuance of the award.
For the 20 years prior to joining Three Oaks, Rick was the chief global strategist at some of the world’s largest financial institutions, including Morgan Stanley Asset Management, Van Kampen Investments and Invesco. In these roles, he was responsible for originating and providing the investment outlook for the mutual fund distribution arm of the firms. Rick is a Certified Investment Strategist and has held the Certified Investment Management Analyst (CIMA) designation. He graduated from Washington University in Saint Louis with a degree in finance and a concentration in investments.
Rick has been asked to share his insights through personal appearances, industry roundtables and written commentary. He lectured at the Wharton School of Business, Yale University, Rice University, Utah State and The United States Naval Academy’s Honors Economic Class. His deep understanding of the global markets led to an invitation to share his global economic outlook for a think tank at the Pentagon.
Born in Africa and raised in Europe and Asia, Rick combines a unique global perspective with nearly forty years of investment experience. He believes his diverse background helps him better understand the complexities investing overseas. His research in identifying the U.S. market’s natural rotation – a pattern of asset class outperformance/underperformance – is considered innovative and groundbreaking.
In his free time, Rick is an avid cyclist, enjoys molecular gastronomy, and sailing. He is also involved with dragon boat racing for breast cancer survivors, the Navy Seal Foundation, and Feeding America.
Awards:
Team Member of the Forbes Best-In-State Wealth Management Teams
2022 - 2024 Forbes Best-In-State Wealth Management Teams. Source: Forbes.com (Awarded 2022, 2023, 2024). Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of year prior to the issuance of the award.
Securities Agent: UT, RI, NE, NM, VT, NY, OH, IN, WV, DE, NC, SC, SD, TX, MA, AZ, VA, WA, OR, MN, ME, MS, MO, ND, MD, NJ, WI, CO, DC, TN, FL, AK, HI, PA, IA, OK, ID, CA, NV, NH, AL, MT, MI, LA, KY, KS, IL, GA, CT, AR, WY; General Securities Representative; Investment Advisor Representative
NMLS#: 1717488
NMLS#: 1717488
About Evan Wilson
Evan Wilson, CFP®, QPFC, CPWA®
Associate Vice President
Financial Advisor
Evan Wilson, who joined the Three Oaks team in the summer of 2016, focuses on comprehensive financial planning for individuals and families, including tuition planning, retirement-plan development and implementation, and conducting employee retirement-education meetings.
Evan completed the Certified Financial Planner - CFP® program through the Northwestern University School of Professional Studies. Before joining the team in 2016, Evan spent seven years teaching Upper School Mathematics at The Boys' Latin School of Maryland. In addition, Evan attained the Qualified Plan Financial Consultant - QPFC credential in 2023 which demonstrates Evan's knowledge and commitment to working with qualified retirement plans, and showcases proficiency of plan administration, compliance, investment, fiduciary, and ethics issues. In addition, he earned the Certified Private Wealth Advisor ® - CPWA® designation in 2024. CPWA® is an advanced professional certification for advisors who serve high-net-worth clients. It’s designed for seasoned professionals who seek the latest, most advanced knowledge and techniques to address the sophisticated needs of clients with a minimum net worth of $5 million. The CPWA® program takes a holistic and multidisciplinary approach that includes a deep dive into sophisticated wealth strategies, estate planning, wealth transfer, behavioral finance, family dynamics, tax management, and legacy planning
Prior to his career in education, Evan worked as a golf professional at several prestigious clubs in New Jersey, Maryland and Florida. He has been a Class A member of the PGA of America since 2007. Evan graduated from Penn State University’s Professional Golf Management program in 2006. After transitioning into the field of education, he obtained a Master of Arts degree in teaching, with a focus in secondary mathematics, from Loyola University in 2013. Evan spent much of his youth in Central Pennsylvania and has lived in the Baltimore area for roughly 10 years. Evan enjoys traveling, playing and coaching golf whenever he can, playing paddle tennis in the winter, and spending time with his dog.
NMLS# 1569129
Ph: 301-556-2320
evan.wilson@morganstanley.com
Awards:
Team Member of Barron's Top 250 Private Wealth Management Teams.
Source: Barron's (Awarded May 2024). Data compiled by Barron's based on time period from Jan 2023-Dec 2023.
Team Member of Forbes Best-In-State Wealth Management Teams
2022 - 2024 Forbes Best-In-State Wealth Management Teams. Source: Forbes.com (Awarded 2022, 2023, 2024). Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of year prior to the issuance of the award.
Associate Vice President
Financial Advisor
Evan Wilson, who joined the Three Oaks team in the summer of 2016, focuses on comprehensive financial planning for individuals and families, including tuition planning, retirement-plan development and implementation, and conducting employee retirement-education meetings.
Evan completed the Certified Financial Planner - CFP® program through the Northwestern University School of Professional Studies. Before joining the team in 2016, Evan spent seven years teaching Upper School Mathematics at The Boys' Latin School of Maryland. In addition, Evan attained the Qualified Plan Financial Consultant - QPFC credential in 2023 which demonstrates Evan's knowledge and commitment to working with qualified retirement plans, and showcases proficiency of plan administration, compliance, investment, fiduciary, and ethics issues. In addition, he earned the Certified Private Wealth Advisor ® - CPWA® designation in 2024. CPWA® is an advanced professional certification for advisors who serve high-net-worth clients. It’s designed for seasoned professionals who seek the latest, most advanced knowledge and techniques to address the sophisticated needs of clients with a minimum net worth of $5 million. The CPWA® program takes a holistic and multidisciplinary approach that includes a deep dive into sophisticated wealth strategies, estate planning, wealth transfer, behavioral finance, family dynamics, tax management, and legacy planning
Prior to his career in education, Evan worked as a golf professional at several prestigious clubs in New Jersey, Maryland and Florida. He has been a Class A member of the PGA of America since 2007. Evan graduated from Penn State University’s Professional Golf Management program in 2006. After transitioning into the field of education, he obtained a Master of Arts degree in teaching, with a focus in secondary mathematics, from Loyola University in 2013. Evan spent much of his youth in Central Pennsylvania and has lived in the Baltimore area for roughly 10 years. Evan enjoys traveling, playing and coaching golf whenever he can, playing paddle tennis in the winter, and spending time with his dog.
NMLS# 1569129
Ph: 301-556-2320
evan.wilson@morganstanley.com
Awards:
Team Member of Barron's Top 250 Private Wealth Management Teams.
Source: Barron's (Awarded May 2024). Data compiled by Barron's based on time period from Jan 2023-Dec 2023.
Team Member of Forbes Best-In-State Wealth Management Teams
2022 - 2024 Forbes Best-In-State Wealth Management Teams. Source: Forbes.com (Awarded 2022, 2023, 2024). Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of year prior to the issuance of the award.
Securities Agent: WA, NJ, NM, NV, NY, OH, OR, PA, RI, SC, SD, TN, TX, UT, VA, NE, WI, WV, KY, AR, NH, ND, NC, MT, MS, MO, MN, MI, ME, MD, MA, LA, KS, IN, IL, ID, IA, HI, GA, FL, DE, DC, CT, CO, CA, AZ, AL, AK, OK, VT, WY; General Securities Representative; Investment Advisor Representative
NMLS#: 1569129
NMLS#: 1569129
About Cade Jarrard, CFA®
Cade Jarrard
Financial Planning Specialist
Financial Advisor
Cade Jarrard, a resident of St. Petersburg, FL, joined the Three Oaks team in October 2020 and began his career as a financial advisor shortly thereafter. During that time, he has been involved with many of the team’s functions. He has worked closely with the team’s investment committee, helping advise clients on asset allocation, investment selection, and goals-based financial planning. Cade also works with the marketing committee to bring helpful content to clients via the team’s Tuesday Talks.
Prior to Morgan Stanley, Cade did a couple of cooperative education programs while at the University of Florida (Go Gators!). He worked briefly as a process engineer in the pulp & paper industry at Rayonier Advanced Materials and WestRock, prior to earning his Bachelor of Science in Chemical Engineering in 2020. During those experiences, Cade developed as a professional and learned the importance of building relationships to solve problems.
Today, he is advancing his knowledge of investments and financial problem-solving skills. He resides in downtown St. Pete with his fiancé, Danielle. During his free time, Cade enjoys spending time with friends, as well as golfing, biking and hiking.
Financial Planning Specialist
Financial Advisor
Cade Jarrard, a resident of St. Petersburg, FL, joined the Three Oaks team in October 2020 and began his career as a financial advisor shortly thereafter. During that time, he has been involved with many of the team’s functions. He has worked closely with the team’s investment committee, helping advise clients on asset allocation, investment selection, and goals-based financial planning. Cade also works with the marketing committee to bring helpful content to clients via the team’s Tuesday Talks.
Prior to Morgan Stanley, Cade did a couple of cooperative education programs while at the University of Florida (Go Gators!). He worked briefly as a process engineer in the pulp & paper industry at Rayonier Advanced Materials and WestRock, prior to earning his Bachelor of Science in Chemical Engineering in 2020. During those experiences, Cade developed as a professional and learned the importance of building relationships to solve problems.
Today, he is advancing his knowledge of investments and financial problem-solving skills. He resides in downtown St. Pete with his fiancé, Danielle. During his free time, Cade enjoys spending time with friends, as well as golfing, biking and hiking.
Securities Agent: KY, WV, MS, ME, OR, SD, VA, NV, WY, WI, WA, VT, UT, TX, TN, SC, RI, PA, OK, OH, NY, NM, NJ, NH, NE, ND, NC, MT, MO, MN, MI, MD, MA, LA, KS, IN, IL, ID, IA, HI, GA, DE, DC, CT, CO, CA, AZ, AR, AL, AK, FL; General Securities Representative; Investment Advisor Representative
NMLS#: 2228406
NMLS#: 2228406
About James Henson
James Henson, CFS®, QPFC
Vice President
Investment Consultant
Financial Planning Specialist
James Henson joined Morgan Stanley in 2009, specializing in portfolio analysis and investment management services. He began his career at Mosaic Funds as a portfolio accountant and has also worked at Tucker Anthony and Convergent Investment Advisors. James is a graduate of the University of Maryland, College Park, with a Bachelor of Arts in government and politics. He also earned his master’s degree in international management from the University of Maryland University College with a concentration in finance. He holds the Certified Fund Specialist designation obtained from the Institute of Business and Finance. He holds the Accredited Investment Fiduciary designation from Fi360. He is a member of the Investment and Wealth Institute.
James is a member of Ladew Topiary Gardens and enjoys visiting them with his family. In his free time James enjoys playing chess and is a member of the United States Chess Federation. He is also a competitive pickleball player and travels to compete in tournaments. He has represented the state of Maryland in the National Senior Olympics. He is Series 7, 6, 31, 63 and 66 licensed.
Vice President
Investment Consultant
Financial Planning Specialist
James Henson joined Morgan Stanley in 2009, specializing in portfolio analysis and investment management services. He began his career at Mosaic Funds as a portfolio accountant and has also worked at Tucker Anthony and Convergent Investment Advisors. James is a graduate of the University of Maryland, College Park, with a Bachelor of Arts in government and politics. He also earned his master’s degree in international management from the University of Maryland University College with a concentration in finance. He holds the Certified Fund Specialist designation obtained from the Institute of Business and Finance. He holds the Accredited Investment Fiduciary designation from Fi360. He is a member of the Investment and Wealth Institute.
James is a member of Ladew Topiary Gardens and enjoys visiting them with his family. In his free time James enjoys playing chess and is a member of the United States Chess Federation. He is also a competitive pickleball player and travels to compete in tournaments. He has represented the state of Maryland in the National Senior Olympics. He is Series 7, 6, 31, 63 and 66 licensed.
About Kristin Alexander
Kristin Alexander
Vice President
Group Director
Kristin Alexander is the Group Director and serves as lead administrator. She focuses on administrative functions for the team, including client service, managing staff, and overseeing team coordination and communication.
Kristin joined the Three Oaks team in 2012. She began her career as a Registered Client Service Associate with Morgan Stanley in 2006, becoming Group Director in 2012 and earning the title of Vice President in 2022. She graduated from Villanova University in 2006 with a Bachelor of Science degree in business administration.
Kristin received an athletic scholarship to play Division I soccer at Villanova and in her senior year was co-captain of the school’s soccer team. She resides in Bethesda, Maryland, with her two active sons.
Vice President
Group Director
Kristin Alexander is the Group Director and serves as lead administrator. She focuses on administrative functions for the team, including client service, managing staff, and overseeing team coordination and communication.
Kristin joined the Three Oaks team in 2012. She began her career as a Registered Client Service Associate with Morgan Stanley in 2006, becoming Group Director in 2012 and earning the title of Vice President in 2022. She graduated from Villanova University in 2006 with a Bachelor of Science degree in business administration.
Kristin received an athletic scholarship to play Division I soccer at Villanova and in her senior year was co-captain of the school’s soccer team. She resides in Bethesda, Maryland, with her two active sons.
About Jessica Sewell
Jessica Sewell
Assistant Vice President
Business Development Associate
Jessica Sewell is responsible for coordinating the team’s events and marketing efforts as well as maintaining the team’s strategic partnerships within the Firm. In addition, as a fully licensed staff member, she helps execute client trade and maintenance requests.
Jessica began her career at Morgan Stanley in 2010 as an intern and joined the Three Oaks team the following year as a Client Service Associate. In 2012, she became a registered representative, followed by a transition to Wealth Management Associate, and then into her current role as Business Development Associate. After graduating from the University of Kansas with a Bachelor of Arts degree in philosophy and a minor in business administration, Jessica moved to Frederick, Maryland, and resides with her husband David. Outside of work, she enjoys spending time with her nearby family, her dogs and watching basketball to cheer on her Kansas Jayhawks.
Assistant Vice President
Business Development Associate
Jessica Sewell is responsible for coordinating the team’s events and marketing efforts as well as maintaining the team’s strategic partnerships within the Firm. In addition, as a fully licensed staff member, she helps execute client trade and maintenance requests.
Jessica began her career at Morgan Stanley in 2010 as an intern and joined the Three Oaks team the following year as a Client Service Associate. In 2012, she became a registered representative, followed by a transition to Wealth Management Associate, and then into her current role as Business Development Associate. After graduating from the University of Kansas with a Bachelor of Arts degree in philosophy and a minor in business administration, Jessica moved to Frederick, Maryland, and resides with her husband David. Outside of work, she enjoys spending time with her nearby family, her dogs and watching basketball to cheer on her Kansas Jayhawks.
About Kate Gallo
Kate Gallo, CIMA, QPFC*
Wealth Management Associate
Kate Gallo is responsible for providing daily client service and technology needs, operations and administration. Her duties also consist of preparing financial reports and materials for client meetings as well as entering orders for the team’s advisors.
Before joining Three Oaks Wealth Management in 2017 as a Client Service Associate, Kate graduated from Gettysburg College with a degree in economics and minors in philosophy and business. In just over a year, she obtained both her Series 7 and Series 66 licenses, giving her the title of Registered Client Service Associate. She is now the team’s Wealth Management Associate and has earned the CIMA® - Certified Investment Management Analyst designation, and the QPFC - Qualified Plan Financial Consultant designation.
Kate is a New Jersey native who moved to Washington, DC after graduating college. She enjoys watching football and spending time with her friends and her French Bulldog.
*Disclaimer: This role cannot solicit or provide investment advice.
Wealth Management Associate
Kate Gallo is responsible for providing daily client service and technology needs, operations and administration. Her duties also consist of preparing financial reports and materials for client meetings as well as entering orders for the team’s advisors.
Before joining Three Oaks Wealth Management in 2017 as a Client Service Associate, Kate graduated from Gettysburg College with a degree in economics and minors in philosophy and business. In just over a year, she obtained both her Series 7 and Series 66 licenses, giving her the title of Registered Client Service Associate. She is now the team’s Wealth Management Associate and has earned the CIMA® - Certified Investment Management Analyst designation, and the QPFC - Qualified Plan Financial Consultant designation.
Kate is a New Jersey native who moved to Washington, DC after graduating college. She enjoys watching football and spending time with her friends and her French Bulldog.
*Disclaimer: This role cannot solicit or provide investment advice.
Contact Douglas M. Jarrard
Contact Ryan J. Bowman
Contact Richard Golod
Contact Evan Wilson
Contact Cade Jarrard, CFA®
Wealth Management
From Our Team
Three Oaks Wealth Management at Morgan Stanley - Q1 Newsletter 2024
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
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
Are You Prepared for Tax Day?
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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
Donor Advised Funds: A Smart Way to Manage Your Giving
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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
State of the Workplace Study 2023
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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.
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
Ready to start a conversation? Contact Three Oaks Wealth Management today.
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1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
2Investors 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.
3Alternative 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.
4Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
5Morgan 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.
6Morgan 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
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.
8When 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.
9Morgan 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, charitable giving, philanthropic planning and other legal matters.
10Morgan 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.
11Morgan 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.
12Morgan 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.
13Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
14Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
15Morgan 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.
16When 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.
17When 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.
18Morgan 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.
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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
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
2Investors 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.
3Alternative 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.
4Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
5Morgan 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.
6Morgan 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
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.
8When 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.
9Morgan 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, charitable giving, philanthropic planning and other legal matters.
10Morgan 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.
11Morgan 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.
12Morgan 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.
13Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
14Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
15Morgan 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.
16When 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.
17When 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.
18Morgan 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.
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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.
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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)
