Timothy Jernigan
Industry Award WinnerOur Mission Statement
We help protect and grow your assets, enhance your lifestyle and create an enduring legacy. Our core value is dedicated to an elevated experience: Doing first-class business in a first-class way.
Our Story and Services
We Strive for a Culture of Excellence. We believe you should expect a first-class client experience.
We work as a team and collaborate with individuals exclusively focused on the needs of the ultra-high net worth: business owners, executives, entrepreneurs and families, while leveraging the strength and intellectual capital of Morgan Stanley. We focus specifically on the needs of the affluent across the country. We help protect and grow your assets, enhance your lifestyle and create an enduring legacy. Our core value is dedicated to doing first-class business in a first-class way.
We realize your wealth represents your life’s work; the responsibility associated with achieving great financial success should not be taken complacently.
Effective wealth management planning should go beyond investment decisions and address broader issues of family dynamics and philanthropic vision. Our core value is “lead with exceptional ideas,” and we are committed to always bringing you and your family our most innovative thinking. You might assume that our “best idea” is an investment view, such as whether to position against rising inflation or reducing equity exposure in a portfolio. But, those questions are often hard to answer thoughtfully without first exploring the broader context of your overall planning. For example, you may have a different time horizon on your individual accounts than you do for your long-term trusts created for children and grandchildren. One entity may need a different type of manager than another based on its unique cash flow, liquidity needs or risk profile. For some it may be an immense need for asset protection strategies to help guard against a litigious society.
Those objectives will change over time, which means we need to have an ongoing conversation.
We don’t have prepackaged solutions for every issue that might arise. We will never understand your objectives, or the underlying dynamics of your family, as well as you do. But we can ask appropriate, open-ended questions to help bring these factors to the surface. We can share stories about families similar to yours and how they have dealt with these factors. And we can point you to other resources that offer thoughtful approaches.
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. 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.
Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
We work as a team and collaborate with individuals exclusively focused on the needs of the ultra-high net worth: business owners, executives, entrepreneurs and families, while leveraging the strength and intellectual capital of Morgan Stanley. We focus specifically on the needs of the affluent across the country. We help protect and grow your assets, enhance your lifestyle and create an enduring legacy. Our core value is dedicated to doing first-class business in a first-class way.
We realize your wealth represents your life’s work; the responsibility associated with achieving great financial success should not be taken complacently.
Effective wealth management planning should go beyond investment decisions and address broader issues of family dynamics and philanthropic vision. Our core value is “lead with exceptional ideas,” and we are committed to always bringing you and your family our most innovative thinking. You might assume that our “best idea” is an investment view, such as whether to position against rising inflation or reducing equity exposure in a portfolio. But, those questions are often hard to answer thoughtfully without first exploring the broader context of your overall planning. For example, you may have a different time horizon on your individual accounts than you do for your long-term trusts created for children and grandchildren. One entity may need a different type of manager than another based on its unique cash flow, liquidity needs or risk profile. For some it may be an immense need for asset protection strategies to help guard against a litigious society.
Those objectives will change over time, which means we need to have an ongoing conversation.
We don’t have prepackaged solutions for every issue that might arise. We will never understand your objectives, or the underlying dynamics of your family, as well as you do. But we can ask appropriate, open-ended questions to help bring these factors to the surface. We can share stories about families similar to yours and how they have dealt with these factors. And we can point you to other resources that offer thoughtful approaches.
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. 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.
Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
Services Include
- Wealth PlanningFootnote1
- Alternative InvestmentsFootnote2
- Wealth ManagementFootnote3
- Business PlanningFootnote4
- Financial PlanningFootnote5
- Estate Planning StrategiesFootnote6
- Retirement PlanningFootnote7
- 401(k) Rollovers
- Trust ServicesFootnote8
- Long Term Care InsuranceFootnote9
- Planning for Individuals with Special Needs and their Families
- Executive Benefit ServicesFootnote10
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
2019, 2020, 2022, 2023, 2024, 2025 Forbes Best-In-State Wealth Advisor
Tim was chosen from a pool of Financial Advisors through a process including online surveys, phone interviews, in-person interviews and web-based interviews. When choosing Advisors, Forbes looks for individuals leading the way in offering best practices for clients. A focus on both quantitative and qualitative factors go into the selection process, including, but not limited to: service model, investing process, fee structure, use of a Firm’s platforms and resources, credentials, use of team & team dynamics, community involvement, discussions with management, peers and competing peers.
2019, 2020, 2022, 2023, 2024, 2025 Forbes Best-In- State Wealth Advisors
Source: Forbes.com (Awarded 2019, 2020, 2022, 2023, 2024, 2025). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
2019, 2020, 2022, 2023, 2024, 2025 Forbes Best-In- State Wealth Advisors
Source: Forbes.com (Awarded 2019, 2020, 2022, 2023, 2024, 2025). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
2024, 2025 Forbes Best-In-State Wealth Management Team
The Winter Park Maui Group was named to the Forbes Best-In-State Wealth Management Teams list for the first time in 2024, and once again in 2025. The annual Forbes/SHOOK Best-In-State Wealth Management Teams list was compiled by SHOOK Research, which uses quantitative and qualitative data, including interviews, to rank teams.
2024, 2025 Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded: 2024, 2025) Data compiled by SHOOK Research LLC based 12-month time period concluding in Jan of year prior to the issuance of the award.
2024, 2025 Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded: 2024, 2025) Data compiled by SHOOK Research LLC based 12-month time period concluding in Jan of year prior to the issuance of the award.
Five Star Wealth Manager Award
2012-2015 Five Star Wealth Manager Award
Source: fivestarprofessional.com (Awarded 2012-2015) The award was determined based on an evaluation process conducted by Five-Star Professional based on objective criteria. The award was not based on a specific time period.
Source: fivestarprofessional.com (Awarded 2012-2015) The award was determined based on an evaluation process conducted by Five-Star Professional based on objective criteria. The award was not based on a specific time period.
Our Specialties & Capabilities
At Winter Park Maui Group, we take the time to understand what matters most to you - both personally and professionally. Whether it's utilizing alternative investments, optimizing your tax strategy, or building a legacy for future generations to come. Our goal is to go above and beyond to provide clear guidance and tailored solutions that align with your priorities.
Comprehensive Financial Planning
Morgan Stanley Financial Planning can show you a single, comprehensive snapshot of your finances. We can help you create a wealth plan that’s adaptable to the different stages of your life using our award winning tools - Goals Planning System (GPS) and Life View.
Learn More Here
Generating Retirement Income
Our team helps you build a retirement plan tailored to your lifestyle goals, income needs, and evolving priorities. Our approach includes strategies for tax-smart withdrawals to help maximize your finances throughout retirement. Through coordination of all sources of income - such as IRAs, 401(k)s, Social Security, and taxable accounts - we aim to create a sustainable and efficient retirement income stream.
Learn More Here
Higher Education Funding
529 plans are flexible, tax-advantaged investment accounts that help you pay for your family’s education. They offer tax-free growth and withdrawal potential, estate tax benefits and a high degree of control and versatility for the account owner. Learn more about how a 529 plan can help you fund educational needs as part of your holistic goals-based wealth plan.
Learn More Here
Tax-Efficient Investment Planning
Taxes can be a substantial drag on investment returns. Morgan Stanley Total Tax 365 offers access to a broad range of tax-efficient strategies to help you integrate tax planning into your investment process all year long, maximize portfolio after-tax return potential and help keep more of what you earn.
Learn More Here
Charitable Giving Strategies
One of the reasons that you work so hard is to give back to others. But you also want to make sure that your support for the causes and people you care about has the biggest possible impact and may also reduce your own taxes. Let us help you give back for the future.
Learn More Here
Alternative Investments
Our leading alternatives platform offers 200+ third-party and proprietary funds, including first look and exclusive opportunities, that may help qualified investors enhance returns, reduce volatility, manage taxes and generate income—while maintaining a goals-based approach for asset allocation.
Learn More Here
Generating Retirement Income
Learn how to create sustainable income streams in retirement to help support and achieve your long-term financial goals.
Watch Video HereAlternative Investments
Discover how alternative investments can offer unique opportunities for growth, income, and portfolio diversification.
Watch Video HereGift and Estate Tax Planning
Understand how gift and estate tax planning can help preserve your wealth and maximize the legacy you pass on to future generations.
Watch Video HereEquity Compensation Planning
See how equity compensation planning ensures your stock-based benefits work effectively toward building long-term wealth.
Watch Video HereThe Client Experience
Based on our experience, business leaders surround themselves with a team of trusted advisors to help navigate their complex financial decisions. We strive to bring strategic insight, advice, and recommendations tailored to your needs.
As business owners ourselves, we deeply understand the challenges and priorities that come with leadership. Drawing on decades of experience working with entrepreneurs and executives, we take a holistic approach that addresses both, short-term objectives and long-term goals. Our mission is to help simplify your financial life while enhancing and preserving your wealth.
As business owners ourselves, we deeply understand the challenges and priorities that come with leadership. Drawing on decades of experience working with entrepreneurs and executives, we take a holistic approach that addresses both, short-term objectives and long-term goals. Our mission is to help simplify your financial life while enhancing and preserving your wealth.
Our Typical Client
- Minimum Liquid Net Worth of $25m
- Highly Customized Support
- 80% Current or Former Business Owners
- Multi-Generational Ultra High Net Worth Families
- Performance-Focused
- Need Access to Specialized Resources
Our Capabilities
- When and How to Sell a Business
- Mergers & Acquisitions
- Succession Planning for a Family Business
- Executive Compensation Strategies
- Equity Compensation Planning
- Family Governance & Wealth Education
- Comprehensive Wealth Planning
- Tax, Trust & Estate Advisory
How We Can Help You
As a high net-worth client, your situation is unique. The distinction of your wealth management needs lies within the complexity of your circumstance combined with your goals. With the tools and resources of Morgan Stanley’s broader firm, we can provide the comprehensive guidance that is necessary for a high net-worth family.
Family Office Resources
As your family grows and your wealth increases, you may face more subtle and profound wealth management issues. As the demands of your family grow and evolve, you will likely need professionals who have expanded capabilities.
Watch Video Here
Estate Planning
We can work with you to explore factors that are relevant to existing or future estate structures. We will discuss different tax and estate planning strategies and collaborate with your external tax and legal advisors.
Watch Video Here
Family Governance & Wealth Education
Family Governance & Wealth Education is a comprehensive, family-focused offering designed to help UHNW families address their human capital challenges. Our team assists ultra-high net worth families strive to maximize the value of their human capital by driving family wealth education, making it more likely that all members of the family will have the foundation they need to lead meaningful, fulfilled and engaged lives.
Learn More Here
Health & Wellness Education
Morgan Stanley's Family Office Resources offers Health and Wellness Education, providing personalized services to address health-related challenges and enhance personal wellbeing. Individual consultations, tailored educational guidance, and access to a network of specialized providers are key features, focusing on eldercare, mental health, and more.
Learn More Here
Trust Services
At the Winter Park Maui Group we work with Morgan Stanley Trust Specialists to review your trust document and analyze your situation to recommend a selection of corporate trustee partners who they believe may be the right fit for your situation.
Learn More Here
Signature Access Lifestyle Advisory
Morgan Stanley's Signature Access offers a comprehensive Lifestyle Advisory service, providing clients with a dedicated concierge to tailor solutions via top-tier third-party providers. Services span travel, asset management, health, and personal security, alongside financial administration, ensuring a holistic approach to enhancing clients' lives. These offerings, from private aviation to real estate and personal security consultancy, are designed to meet the unique needs of affluent clients.
Learn More Here
Philanthropy Management
Philanthropy Management supports individuals, families, corporate and private foundations, and nonprofit organizations by offering a suite of services to help define and realize clients’ charitable missions. Philanthropic advisory services are available for clients with $25mm+ AUM.
Watch Video Here
Art Resources Team
Art may play a significant role in the context of a collector's overall wealth. It is estimated that 10-15% of an ultra-high net worth individual's balance sheet is art and collectibles which approximates $2 trillion of art privately held.
Learn More Here
Insured Solutions
Morgan Stanley offers a customized suite of industry-leading products, featuring Life, Long-Term Care (LTC), and Disability Income (DI) Insurance. Products are designed to mitigate and manage clients' risk and provide a potent wealth planning tool for an uncertain future.
Learn More Here
Private Banking Group
At Morgan Stanley, we recognize that clients and their families have unique needs that require dedicated experience and capabilities. Our goal is to help simplify your financial life with a combination of cash management and lending solutions designed to complement your investment strategy and support your financial goals.
Learn More Here
Outsourced Chief Investment Office
OCIO designs and manages bespoke portfolios for institutional clients and ultra-high net worth families on a full-discretionary basis with at least $50 million to invest.
Learn More Here
Morgan Stanley Family Office
When it comes to providing institutional-level support for your family office, scale matters. Our offering aims to bring together specialized investment services and operational support to enhance your life and legacy.
Learn More HereLocation
250 S Park Avenue
Suite 500
Winter Park, FL 32789
US
Direct:
(407) 740-4942(407) 740-4942
Meet Winter Park Maui Group
Natasha Carse
Raquel Reyes
Client Service Associate
Phone:
(407) 740-4934(407) 740-4934
Jeff Holzbach, CFP® CEP
Vice President, Sr. Equity Planner
Phone:
(317) 951-6596(317) 951-6596
About Raquel Reyes
Raquel was born in Bayamón, Puerto Rico and raised in sunny Orlando, Florida. She’s a detail-oriented and client-focused professional with a strong background in marketing, communications, and project management. After earning her B.A. in Studio Art with a focus in Interactive Media and a minor in Entrepreneurship from Florida State University, she went on to complete a Digital Marketing Bootcamp at the University of Central Florida to sharpen her skills even further.
Her experience spans both in-house and freelance roles—most notably serving as Marketing Coordinator for a leading real estate firm in Winter Park, Florida, and working independently as a marketing consultant and graphic designer. In every role, Raquel brings a keen eye for detail, a proactive mindset, and a genuine dedication to creating great experiences for clients.
Now pivoting into the financial services industry, Raquel is excited to bring her creativity, strategic thinking, and people-first approach to a new space where meaningful client relationships are everything.
When she’s not working, Raquel loves spending quality time with her family, and going on walks with her cat, Stevie. She’s also engaged and looking forward to tying the knot in February 2026.
Her experience spans both in-house and freelance roles—most notably serving as Marketing Coordinator for a leading real estate firm in Winter Park, Florida, and working independently as a marketing consultant and graphic designer. In every role, Raquel brings a keen eye for detail, a proactive mindset, and a genuine dedication to creating great experiences for clients.
Now pivoting into the financial services industry, Raquel is excited to bring her creativity, strategic thinking, and people-first approach to a new space where meaningful client relationships are everything.
When she’s not working, Raquel loves spending quality time with her family, and going on walks with her cat, Stevie. She’s also engaged and looking forward to tying the knot in February 2026.
About Jeff Holzbach
For 28 years, I have worked to guide families and companies with equity awards and financial planning. Analytics and a holistic education and discovery process enable me to identify and prioritize key considerations to help my clients make effective financial decisions.
After graduating from Duquesne University (Pittsburgh) in 1996 with a Bachelor of Science degree in Finance , I moved to Indianapolis IN to work for Charles Schwab. At Schwab, I grew in my role to eventually lead our Financial Planning division and earned the CERTIFIED FINANCIAL PLANNER™ designation in 2003. In addition, I have worked the past 10 years to develop knowledge and skills to help families and companies with equity award analysis and planning. This includes earning the Certified Equity Professional (CEP) designation in 2019. In 2021, I joined Morgan Stanley to support initiatives to enhance the depth and breadth of education and planning capabilities related to equity awards.
Outside of work, I have been married for 24 years and have two children. My time is spent finding ever smaller windows of time with my kids. My son is Junior in college studying economics, and my daughter will be a Freshman in college with a plan to study Actuarial Science. I enjoy outdoor activities including hiking, camping, and fishing.
After graduating from Duquesne University (Pittsburgh) in 1996 with a Bachelor of Science degree in Finance , I moved to Indianapolis IN to work for Charles Schwab. At Schwab, I grew in my role to eventually lead our Financial Planning division and earned the CERTIFIED FINANCIAL PLANNER™ designation in 2003. In addition, I have worked the past 10 years to develop knowledge and skills to help families and companies with equity award analysis and planning. This includes earning the Certified Equity Professional (CEP) designation in 2019. In 2021, I joined Morgan Stanley to support initiatives to enhance the depth and breadth of education and planning capabilities related to equity awards.
Outside of work, I have been married for 24 years and have two children. My time is spent finding ever smaller windows of time with my kids. My son is Junior in college studying economics, and my daughter will be a Freshman in college with a plan to study Actuarial Science. I enjoy outdoor activities including hiking, camping, and fishing.
Awards and Recognition
Forbes Best-In-State Wealth Advisors
2019-2020, 2022-2025 Forbes Best-In- State Wealth Advisors Source: Forbes.com (Awarded 2019-2020, 2022-2025). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
Forbes Best-In-State Wealth Management Teams
2024-2025 Forbes Best-In-State Wealth Management Teams Source: Forbes.com (Awarded 2024-2025). Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of year prior to the issuance of the award.
Five Star Wealth Advisor
Source: fivestarprofessional.com (Awarded 2012-2015) The award was determined based on an evaluation process conducted by Five-Star Professional based on objective criteria. The award was not based on a specific time period.
3
The Power of Partnerships
By partnering with experienced individuals across wealth disciplines, Morgan Stanley Financial Advisors can align specialized resources with your custom needs and deliver strategic guidance through the familiarity and trust of existing relationships
Rachael Crapsi, CFP®, CPWA®
Financial Planning Director, Vice President
Mark Jansen
Family Office Resources Generalist
About Rachael Crapsi
Rachael Crapsi, CFP®, CPWA® is a financial planning director serving Morgan Stanley’s Wealth Management offices in Florida. She is responsible for helping financial advisors with their clients’ financial planning needs.
Rachael began her career in financial services in 2012 and joined Morgan Stanley in 2022. Prior to her current position, she has worked as a financial advisor in Cincinnati, OH at JP Morgan and Fifth Third Private Bank, serving affluent families by developing authentic, lasting relationships while helping to preserve, build and transfer wealth.
She is a graduate of The Ohio State University where she earned degrees in Finance and International Business with a focus in Mandarin. Rachael holds her CERTIFIED FINANCIAL PLANNER® and CERTIFIED PRIVATE WEALTH ADVISOR® designations.
Originally from Buffalo, New York, Rachael now resides in Jacksonville, Florida. Outside of work, she enjoys playing soccer, traveling and cooking.
DISCLOSURE:
Important information about your relationship with your Financial Advisor and Morgan Stanley Smith Barney LLC when using a Financial Planning tool. When your Financial Advisor prepares a Financial Plan, they will act in an investment advisory capacity for thirty (30) days after the delivery of your Financial Plan. To understand the differences between brokerage and advisory relationships, you should consult your Financial Advisor, or review our “Understanding Your Brokerage and Investment Advisory Relationships,” brochure available at https://www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
You have sole responsibility for making all investment decisions with respect to the implementation of a Financial Plan. You may implement the Financial Plan at Morgan Stanley or at another firm. If you engage or have engaged Morgan Stanley, it will act as your broker, unless you ask it, in writing, to act as your investment adviser on any account.
Morgan 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.
Morgan 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.
© 2025 Morgan Stanley Smith Barney LLC. Member SIPC.
CRC# 4732896 08/2025
Rachael began her career in financial services in 2012 and joined Morgan Stanley in 2022. Prior to her current position, she has worked as a financial advisor in Cincinnati, OH at JP Morgan and Fifth Third Private Bank, serving affluent families by developing authentic, lasting relationships while helping to preserve, build and transfer wealth.
She is a graduate of The Ohio State University where she earned degrees in Finance and International Business with a focus in Mandarin. Rachael holds her CERTIFIED FINANCIAL PLANNER® and CERTIFIED PRIVATE WEALTH ADVISOR® designations.
Originally from Buffalo, New York, Rachael now resides in Jacksonville, Florida. Outside of work, she enjoys playing soccer, traveling and cooking.
DISCLOSURE:
Important information about your relationship with your Financial Advisor and Morgan Stanley Smith Barney LLC when using a Financial Planning tool. When your Financial Advisor prepares a Financial Plan, they will act in an investment advisory capacity for thirty (30) days after the delivery of your Financial Plan. To understand the differences between brokerage and advisory relationships, you should consult your Financial Advisor, or review our “Understanding Your Brokerage and Investment Advisory Relationships,” brochure available at https://www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
You have sole responsibility for making all investment decisions with respect to the implementation of a Financial Plan. You may implement the Financial Plan at Morgan Stanley or at another firm. If you engage or have engaged Morgan Stanley, it will act as your broker, unless you ask it, in writing, to act as your investment adviser on any account.
Morgan 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.
Morgan 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.
© 2025 Morgan Stanley Smith Barney LLC. Member SIPC.
CRC# 4732896 08/2025
About Mark Jansen
Mark Jansen is a Family Office Resources Generalist for Morgan Stanley’s Family Office Resources, covering the Southeast Region. In this capacity, Mark provides specialized expertise to Financial Advisors and their UHNW clients across a broad range of family wealth management issues including; family governance and wealth education, strategic estate and financial planning, philanthropy management and lifestyle advisory. Mark has over 30 years of experience advising wealthy families, business owners, and their children.
Most recently, Mark worked with New York Life in their Advanced Planning Group working with agents and their UHNW clients advising them on estate and legacy planning, business buy sell planning, and succession planning. Prior to New York Life, Mark held similar Advanced Planning Consulting roles in several National financial organizations. He originally started his career in the financial services industry in the tax department of the public accounting firm Grant Thornton. He is known for taking complex ideas and making them easy to understand. Frequently speaking to groups and individuals on estate and business planning, he brings a conversational style that helps to clarify the complex nature of these topics.
Mark received a Bachelor of Science degree from St. John’s University in Collegeville MN, received his JD degree Cum Laude from the University of Minnesota and his CPA license while working at Grant Thornton. He holds a Series 7, 24 and 63 securities licenses. He currently lives in Richmond Virginia with his wife and occasionally one of their 6 children.
Most recently, Mark worked with New York Life in their Advanced Planning Group working with agents and their UHNW clients advising them on estate and legacy planning, business buy sell planning, and succession planning. Prior to New York Life, Mark held similar Advanced Planning Consulting roles in several National financial organizations. He originally started his career in the financial services industry in the tax department of the public accounting firm Grant Thornton. He is known for taking complex ideas and making them easy to understand. Frequently speaking to groups and individuals on estate and business planning, he brings a conversational style that helps to clarify the complex nature of these topics.
Mark received a Bachelor of Science degree from St. John’s University in Collegeville MN, received his JD degree Cum Laude from the University of Minnesota and his CPA license while working at Grant Thornton. He holds a Series 7, 24 and 63 securities licenses. He currently lives in Richmond Virginia with his wife and occasionally one of their 6 children.
Important information about your relationship with your Financial Advisor and Morgan Stanley Smith Barney LLC when using a Financial Planning tool. When your Financial Advisor prepares a Financial Plan, they will act in an investment advisory capacity for thirty (30) days after the delivery of your Financial Plan. To understand the differences between brokerage and advisory relationships, you should consult your Financial Advisor, or review our “Understanding Your Brokerage and Investment Advisory Relationships,” brochure available at https://www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
You have sole responsibility for making all investment decisions with respect to the implementation of a Financial Plan. You may implement the Financial Plan at Morgan Stanley or at another firm. If you engage or have engaged Morgan Stanley, it will act as your broker, unless you ask it, in writing, to act as your investment adviser on any particular account.
Morgan 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.
Morgan 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.
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.
You have sole responsibility for making all investment decisions with respect to the implementation of a Financial Plan. You may implement the Financial Plan at Morgan Stanley or at another firm. If you engage or have engaged Morgan Stanley, it will act as your broker, unless you ask it, in writing, to act as your investment adviser on any particular account.
Morgan 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.
Morgan 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.
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.
Wealth Management
Global Investment Office
Portfolio Insights
This is a video content
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
Article Image
Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
Rational Investing in an Age of Uncertainty
Article Image
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
Article Image
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
Article Image
Philanthropy
Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
- Foundations
- Donor Advised Funds
- Impact Investing
Financial Wellness
Enhancing Financial Wellness enables your workforce to do their best work. Companies that invest in financial wellness have an opportunity to:
- Reduce employee stress,
- Improve retention and engagement, and
- Set themselves apart by offering comprehensive financial wellness benefits.
Ready to start a conversation? Contact Winter Park Maui Group today.
CFP Board owns the marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the U.S., which it awards to individuals who successfully complete CFP Board's initial and ongoing certification requirements.
1Morgan 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.
Morgan 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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
3Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States. Morgan Stanley Wealth Management is a business of Morgan Stanley Smith Barney LLC.
4Morgan 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.
5Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
6Morgan Stanley 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.
7When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
8Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.
Morgan 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.
9Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
10When 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.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
CFP Board owns the marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the U.S., which it awards to individuals who successfully complete CFP Board's initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures | Morgan Stanley
1Morgan 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.
Morgan 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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
3Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States. Morgan Stanley Wealth Management is a business of Morgan Stanley Smith Barney LLC.
4Morgan 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.
5Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
6Morgan Stanley 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.
7When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
8Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.
Morgan 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.
9Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
10When 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.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
CFP Board owns the marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the U.S., which it awards to individuals who successfully complete CFP Board's initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures | Morgan Stanley
CRC 4665150 (8/2025)
