Todd R. Newman, CRPC®
My Mission Statement
MY STORY AND SERVICES
Meet Todd Newman: Your Partner in Financial Success
I am a Chartered Retirement Planning Counselor℠ (CRPC®) and Portfolio Manager with over three decades of experience in the financial services industry. My passion lies in seeking to empower successful individuals, families, and business owners to develop personalized financial strategies that align with their life goals.
Building Relationships on Respect and Results
Throughout my career, I've cultivated long-term relationships founded on respect, clarity, and tangible results. My practice is dedicated to comprehensive financial planning, integrating investment management, retirement income planning, tax strategies, and risk and debt management into a cohesive plan.
Areas of Focus:
• Retirement Planning
• Portfolio Management
• Tax-Efficient Strategies
• Risk & Debt Management
• Wealth Preservation
• Estate Planning Strategies
• Life & Long-Term Care Insurance Reviews
Mission: Your Financial Well-Being
My mission is straightforward: to help you achieve the lifestyle you envision—without unnecessary financial risk or sacrifice. At Morgan Stanley, I offer deeply personalized strategies that evolve with you through every stage of life.
A Collaborative Approach
We start with a conversation—free from jargon and pressure—to gain a clear understanding of your goals, challenges, and vision for the future. From there, I tailor investment and financial strategies designed to adapt, perform, and help protect—allowing you to focus on what truly matters.
Experience and Insight
With decades of experience and advanced designations, my approach is rooted in understanding before advising. I bring clarity and confidence to my clients' financial lives, ready to adjust plans as life inevitably changes.
Who I Work With
I work with high-achieving individuals, families, and business owners committed to securing their financial futures. Whether you're approaching retirement, navigating a major life transition, or seeking smarter investment decisions, I'm here to help you move forward with a plan tailored to your life—not just your balance sheet.
Let's Connect
My clients appreciate personalized attention, long-term thinking, and a relationship built on mutual respect. If this resonates with you, let's connect.
Beyond the Office
Outside of my professional commitments, I deeply value spending quality time with my wife, Ragan, and our children, Zachary and Aubrey. We enjoy supporting their various activities and embarking on family adventures together. I have had the honor of serving as Grand Knight and continue to hold officer and trustee roles within our local Knights of Columbus Council. Additionally, I am actively involved in the Esto Vir Men's Group, contributing to our community's growth and support.
Reach out directly here on LinkedIn, email me at todd.newman@morganstanley.com, visit https://advisor.morganstanley.com/glovas-gutierrez-weekes-group, or call me at (610) 478-4528. I look forward to learning about your goals—and helping you get there.
- Wealth ManagementFootnote1
- Financial PlanningFootnote2
- Asset Management
- Cash Management and Lending ProductsFootnote3
- Planning for Education FundingFootnote4
- AnnuitiesFootnote5
- Alternative InvestmentsFootnote6
- Professional Portfolio ManagementFootnote7
- 529 PlansFootnote8
- Exchange Traded FundsFootnote9
- Municipal BondsFootnote10
NMLS#: 2719905
My Approach
Thorough, thoughtful planning – planning that analyzes where you are as well as where you want to go – is one of the most important steps in establishing a path to your goals. I believe in designing your future with investment strategies that virtually encompass your whole life. That means taking the time to get to know you – your dreams and goals, as well as your financial concerns and the issues that keep you up at night. My success stems from our ability to ask you the right questions and to listen carefully to your answers. No matter what unique needs you may have, our goal is to find an appropriate solution.
Let's begin with a thorough discussion to explain and ascertain your needs, wants, and values. It is important to us that we have a thorough understanding of various facets of your life that affects your financial goals and decisions. Every financial strategy should be unique because everyone is different.
To conduct a full assessment of your financial situation, I make use of a range of financial planning and risk analysis tools. I'll then implement a comprehensive financial plan that can help you accumulate, safeguard, and transfer wealth in line with your objectives.
Your assets will be transferred to Morgan Stanley once you give your approval. We'll start implementing the additional techniques we described in your plan once they are in line with your tailored investment strategy.
My relationship with you is extremely important to me, and I want to keep it that way. I'll communicate with you frequently to provide account updates. Additionally, I'll keep tabs on how well you're doing in achieving each of your objectives and adjust your financial plan as need when your circumstances change.
HELPING YOU PREPARE WITH CONFIDENCE
With the ebb and flow of the broader economy and the universe of strategies to consider, it's never been more important to have the right team behind you. My process focuses on developing a comprehensive plan that adjusts based on the different stages of your life.
Even though retirement may be decades away, it's essential to start planning and saving for the life you want, today. Here are some initial strategies to consider to keep you on track.
Transitioning into retirement is no small task. Financially, you'll need to shift gears from building your savings, to generating income and planning your spending. Click below to consider some of our ideas on how to navigate this stage of your journey.
Congratulations! You've made it into retirement and you're finally enjoying life at your own pace. In preparation of this, have you ensured your savings will last? Explore some of our helpful strategies here.
My Suite of Services
As wealth grows, so does its complexities and the resources needed to manage it effectively. I leverage my experience and relationships to deliver innovative strategies that are tailored to help meet your needs. I look forward to speaking with you to understand your challenges, so we can map out a strategy to help achieve your particular priorities and goals.
Wealth Management brings virtually all the dimensions of your life together. We listen carefully to understand the connection across your personal life, your family, your career and your legacy goals to develop a comprehensive strategy that is uniquely yours.
One of our key areas of focus is helping you prepare for and thrive in retirement. From IRAs to RMDs, we manage the complexities of your comprehensive retirement plan assets, helping you transition to the next phase of your life with confidence.
Managing an investment portfolio should be a consultative, disciplined process that balances your attitudes about investing with careful analysis of the financial markets. Working together, we create a customized strategy that applies long-held investment principles to help your assets appreciate appropriately or generate cash-flow or income as you require.
Delivering an estate to the next generation or favorite charity requires more attention than families often realize. We coordinate with your estate and tax professionals to align your legacy goals with the appropriate asset tilting and beneficiary designation requirements, incorporating best practices to help enhance results.
EVERYTHING YOU NEED, ALL IN ONE PLACE
As a Morgan Stanley client, you have access to a suite of digital tools and resources aimed at helping you manage your finances with greater ease.
When you sign up for MSO, you can conveniently and securely manage your account online or on your mobile device.
Digital Vault allows for easy sharing and convenient access to your most important documents from wills and deeds to financial statements and tax fillings. Easily manage your encrypted financial records all in one place.
Disclosures
Not all documents can be accepted into Digital Vault.
Track spending habits, categorize expenses and create budgets across your Morgan Stanley and external financial accounts with our Spending and Budgeting Tool.
eDelivery provides you with the ability to view statements and other documents electronically in lieu of paper. Clients who are registered in Morgan Stanley Online may enroll in eDelivery.
View all your external financial accounts directly in Morgan Stanley Online or the mobile app. By linking your accounts, you'll benefit from more informed wealth planning, secure data access and convenient connectivity.
Disclosures
Information related to your external accounts is provided for informational purposes only. It is provided by third parties, including the financial institutions where your external accounts are held. Morgan Stanley does not verify that the information is accurate and makes no representation or warranty as to its accuracy, timeliness or completeness.
Financial Advisor(s) may not provide advice on any external account. Additional information about the services described above and offered on Morgan Stanley Online are in the applicable Terms and Conditions of Use.
Safeguarding your assets and information is one of our highest priorities, but you also have a critical role to play. Check out our collection of practical takeaways and best practices from our cybersecurity professionals, then explore a few of the ways we help protect you.
Location
Portfolio Insights
Retirement
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
Investing
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
Family
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
Business Planning
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Philanthropy
- Endowments
- Foundations
- Donor Advised Funds
- Impact Investing
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan 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.
3Morgan 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
4When 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 always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
5Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
6Alternative 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.
7Morgan 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.
8Investors 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.
9An investment in an exchange-traded fund (ETF) involves risks similar to those of investing in a broadly based portfolio of equity securities traded on exchange in the relevant securities market, such as market fluctuations caused by such factors as economic and political developments, changes in interest rates and perceived trends in stock prices. The investment return and principal value of ETF investments will fluctuate, so that an investor’s ETF shares, if or when sold, may be worth more or less than the original cost.
Investors should carefully consider the investment objectives, risks, charges and expenses of an exchange-traded fund (ETF) before investing. The prospectus contains this and other information about the ETF. To obtain a prospectus, contact your Financial Advisor or visit the ETF company’s website. Please read the prospectus carefully before investing.
10Municipal bonds may not be appropriate for all investors. Income generated from an investment in a municipal bond is generally exempt from federal income taxes. Some income may be subject to state and local taxes and to the federal alternative minimum tax. Capital gains, if any, are subject to tax.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) and its Financial Advisors and Private Wealth Advisors do not provide any tax/legal advice. Consult your own tax/legal advisor before making any tax or legal-related investment decisions.
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