Tom Paluszynski
Vice President,
Financial Advisor
Direct:
(215) 963-3850(215) 963-3850
My Mission Statement
Empowering organizations and individuals to invest with purpose by aligning their finances with their personal passions and overall mission.
Welcome
I care deeply about the work I do as your Financial Advisor. At the heart of my practice is a commitment to help each client do more than just beat a benchmark. It is my responsibility to align your finances with your overall mission, using appropriate strategies and disciplines to help achieve your specific goals. If done properly, individuals and institutions today do not have to give up performance to invest with purpose.
As a passionate advocate for sustainability and philanthropy, I am proud to be a member of Morgan Stanley, a firm deeply committed to the same mission-based principles in which I believe. Morgan Stanley has devoted significant resources to these important efforts and is a recognized leader in the Socially Responsible Investing and Impact Investing arena.
Over the years, we have developed the skills to determine the best strategies to pursue your inherent values without sacrificing performance. We understand the importance you place on responsible investing as part of your greater mission. In fact, Morgan Stanley has built an “open architecture” platform that enables us to work with investment managers who can screen for certain securities and introduce investments that correlate to your mission.
As a seasoned Financial Advisor with more than 25 years of experience, I strive to earn competitive returns, while achieving specific social, environmental or philanthropic goals – a discipline which delivers a “double bottom line.” I am dedicated to serving the specialized needs of institutional and private wealth clients at his Philadelphia-based consulting practice.
Prior to joining Morgan Stanley in 2009, I spent 21 years at UBS, and played an instrumental role in driving the growth of the firm’s regional institutional sales group. With hands-on experience working closely with leadership teams of many of the region’s institutions and nonprofits, I understand how to guide and harness effective decision-making to drive performance and help achieve short- and long-term goals.
In addition to my professional responsibilities, I am passionate about addressing the needs of my local community. I currently serve on the Boards of Junior Achievement of NJ and Junior Achievement of Southeastern PA. I am also very committed to ending hunger, volunteering regularly to assist Aid for Friends and Philabundance, two local nonprofits dedicated to alleviating hunger in my local communities.
As a passionate advocate for sustainability and philanthropy, I am proud to be a member of Morgan Stanley, a firm deeply committed to the same mission-based principles in which I believe. Morgan Stanley has devoted significant resources to these important efforts and is a recognized leader in the Socially Responsible Investing and Impact Investing arena.
Over the years, we have developed the skills to determine the best strategies to pursue your inherent values without sacrificing performance. We understand the importance you place on responsible investing as part of your greater mission. In fact, Morgan Stanley has built an “open architecture” platform that enables us to work with investment managers who can screen for certain securities and introduce investments that correlate to your mission.
As a seasoned Financial Advisor with more than 25 years of experience, I strive to earn competitive returns, while achieving specific social, environmental or philanthropic goals – a discipline which delivers a “double bottom line.” I am dedicated to serving the specialized needs of institutional and private wealth clients at his Philadelphia-based consulting practice.
Prior to joining Morgan Stanley in 2009, I spent 21 years at UBS, and played an instrumental role in driving the growth of the firm’s regional institutional sales group. With hands-on experience working closely with leadership teams of many of the region’s institutions and nonprofits, I understand how to guide and harness effective decision-making to drive performance and help achieve short- and long-term goals.
In addition to my professional responsibilities, I am passionate about addressing the needs of my local community. I currently serve on the Boards of Junior Achievement of NJ and Junior Achievement of Southeastern PA. I am also very committed to ending hunger, volunteering regularly to assist Aid for Friends and Philabundance, two local nonprofits dedicated to alleviating hunger in my local communities.
Services Include
- Sustainable InvestingFootnote1
- Endowments and FoundationsFootnote2
- Philanthropic Services
- Asset Management
- Wealth ManagementFootnote3
- Fixed IncomeFootnote4
- Cash ManagementFootnote5
- Corporate BondsFootnote6
- Municipal BondsFootnote7
- Corporate Pension FundsFootnote8
- Corporate Retirement PlansFootnote9
- Financial PlanningFootnote10
Securities Agent: CA, DE, FL, IL, MA, MD, MI, NJ, NY, OH, PA, TX, VA, CT, AZ; General Securities Representative; Investment Advisor Representative
NMLS#: 2569013
NMLS#: 2569013
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Working With You
My priority is to understand and respond to your specific needs in a collaborative, professional and educational spirit – one that places your needs at the center of our relationship.
I believe the relationships forged with your staff, your board and your Investment Committee are exceptionally important. In my experience, every Investment Committee and Board member seems to have his or her own personality – this goes to the heart of the value I bring to the table.
The most important role I play as your financial advisor is to guide and harness effective decision-making. By doing this well, we can drive performance results and deliver on outcomes that are relevant to achieving your ultimate goals.
I believe the relationships forged with your staff, your board and your Investment Committee are exceptionally important. In my experience, every Investment Committee and Board member seems to have his or her own personality – this goes to the heart of the value I bring to the table.
The most important role I play as your financial advisor is to guide and harness effective decision-making. By doing this well, we can drive performance results and deliver on outcomes that are relevant to achieving your ultimate goals.
Community Involvement
I am passionate about aligning my practice with my local community, creating a mutual sense of purpose. I proudly support the following organizations:
Junior Achievement is devoted to inspiring and preparing young people to succeed in a global economy by bringing the “real world” of business to classrooms through hands-on programs delivered by trained volunteers. I have proudly been on the Board of Junior Achievement of NJ for the past 15 years and recently joined the Board of Junior Achievement of Southeastern PA. I began volunteering when my oldest son was in fifth grade and have enjoyed providing financial literacy activities to him and his classmates as they moved from grade to grade. It is incredibly rewarding to be a part of this organization, inspiring students to dream big and reach their potential.
The mission of Aid for Friends is to alleviate the hunger and loneliness of isolated homebound individuals throughout greater Philadelphia. Meals are prepared and distributed by volunteers in weekly visits to elderly individuals who could not otherwise remain in their homes without the support of the meals provided. Philabundance was created with the simple belief that no one should ever go hungry. This organization provides food to approximately 90,000 people in nine counties in PA and NJ. Through their network of member agencies, they are working to make nutritious food accessible to all. I have been an active volunteer at both of these organizations for the past five years and will continue to support their mission for many years to come.
Junior Achievement is devoted to inspiring and preparing young people to succeed in a global economy by bringing the “real world” of business to classrooms through hands-on programs delivered by trained volunteers. I have proudly been on the Board of Junior Achievement of NJ for the past 15 years and recently joined the Board of Junior Achievement of Southeastern PA. I began volunteering when my oldest son was in fifth grade and have enjoyed providing financial literacy activities to him and his classmates as they moved from grade to grade. It is incredibly rewarding to be a part of this organization, inspiring students to dream big and reach their potential.
The mission of Aid for Friends is to alleviate the hunger and loneliness of isolated homebound individuals throughout greater Philadelphia. Meals are prepared and distributed by volunteers in weekly visits to elderly individuals who could not otherwise remain in their homes without the support of the meals provided. Philabundance was created with the simple belief that no one should ever go hungry. This organization provides food to approximately 90,000 people in nine counties in PA and NJ. Through their network of member agencies, they are working to make nutritious food accessible to all. I have been an active volunteer at both of these organizations for the past five years and will continue to support their mission for many years to come.
Investor Resources
Investing with Impact
Our Investing with Impact Platform offers a diverse range of funds and other investments designed to advance environmental, economic and social goals — while striving for competitive performance. We make it easy to craft an investment portfolio of any size that is tailored to meet the impact goals of your choice.
Investing with Impact
Institute for Sustainable Investing
The Institute for Sustainable Investing aims to accelerate sustainable finance and the adoption of sustainable investing strategies across capital markets and drive strategic environmental, social and governance (ESG) initiatives across the firm.
Learn More
Sustainability at Morgan Stanley
Morgan Stanley partners with clients and stakeholders to mobilize capital at scale for a sustainable, low-carbon economy. Our businesses strive to deliver environmental, social and governance (ESG) solutions that reduce risk, enhance value and expand the frontiers of sustainable finance. We aim to operate sustainably and to disclose our global progress.
ESG Solutions
ESG Now Podcast
The world of ESG explored. A rotating cast of environmental, social, and governance researchers join hosts Mike Disabato and Bentley Kaplan as they discuss the most pressing news of the week. But in an enjoyable way.
Listen HereLocation
1650 Market St
42nd Fl
Philadelphia, PA 19103
US
Direct:
(215) 963-3850(215) 963-3850
Wealth Management
Global Investment Office
Portfolio Insights
Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
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
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
Article Image
Ready to start a conversation? Contact Tom Paluszynski today.
1The returns on a portfolio consisting primarily of Environmental, Social and Governance (“ESG”) aware investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because ESG criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Diversification does not guarantee a profit or protect against loss in a declining financial market.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan 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.
3Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
4Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
5Morgan 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
6Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
7Municipal 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.
8Morgan 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.
9When 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.
10Morgan 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.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan 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.
3Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
4Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
5Morgan 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
6Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
7Municipal 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.
8Morgan 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.
9When 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.
10Morgan 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.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
CRC 6491812 (04/2024)
