Who we are...

Advising clients since 1986, the Twin Harbors Group is a practice that seeks to provide expertise in all aspects of wealth management. By design, each member of our team specializes in a different facet of financial planning. By utilizing this diversified expertise, we are uniquely suited to leverage the entirety of Morgan Stanley’s resources. Our knowledge and resources enable us to tailor bespoke solutions for every stage of your financial life.

While Portfolio Management and financial planning are pillars of our practice, they are but one component of a fully integrated approach to wealth management. We strive to streamline and simplify your financial life through our full suite of offerings.
Services Include
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*

Our Wealth Management Process

Our wealth management approach focuses on you, your family and your career – where you are today and where you want to go. Working together, we develop the strategies to help get you there, navigating life’s challenges and helping you make more informed decisions about your wealth.
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    1. Introductory Call
    We begin with an informal conversation to understand your financial concerns and determine how we can add value. If we all agree to move forward, we’ll schedule our next meeting and request important financial information.
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    2. Get To Know You Meeting
    We continue the dialogue by fostering an in-depth conversation where we learn about the values that shape your decisions and identify any unique circumstances. We also review the documents you’ve prepared and define your priorities.
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    3. Analysis & Plan Development
    Here, we utilize proprietary financial planning tools to develop a personalized and detailed plan with recommendations to help you grow, preserve and transfer your wealth.
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    4. Implementation
    In this step, we present appropriate strategies that are designed to work together to achieve your goals. Upon your approval, we open new accounts for you at Morgan Stanley and initiate our investment recommendations. We’ll also begin to implement other strategies we’ve discussed. These often encompass tax minimization strategies, as well as risk management and estate planning techniques.
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    5. Plan Monitoring
    Holistic plans change over time as your personal and family situations change. We are here to revisit your plan regularly to make tactical changes to help meet the needs of our ever-changing situations and environment.
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    6. Ongoing Service
    Committed to premium service, we focus on developing a relationship that provides special value to you and your family. As we begin to execute each strategy, we’ll set up tools so you have immediate access to your account information. And because markets and personal needs evolve over time, we set up ongoing meetings to help ensure your plan remains on schedule to achieve your goals.

Modern Wealth Management Tools

Our industry is perpetually evolving. We strive to stay ahead of the curve. Below are some of the resources we utilize every day to offer you the best possible level of service.
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    Morgan Stanley Online (MSO)
    Morgan Stanley Online (MSO) has a variety of features beyond viewing your account balance and activity that you should take advantage of. A few of them include...

    1. Approve wire transfers online after you enroll in eAuthorization.
    2. See your total net worth (including assets and liabilities) in one place when you add external accounts.
    3. Send Money with Zelle®
    4. Managing your everyday finances such as paying bills online, sending money or transferring funds.
    Log In to Morgan Stanley Online
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    Total Wealth View
    We've launched a new tool that allows you to link information from your accounts at other financial institutions directly to your Morgan Stanley Online or Morgan Stanley Mobile App profile.

    The ability to view all of your assets together provides the opportunity to advise on your Morgan Stanley accounts with your entire financial picture in mind.
    Aggregate Your Assets
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    E-Delivery
    Morgan Stanley Online has a variety of features that can enhance your digital experience and provide a deeper level of security. One of those tools, eDelivery, allows you to securely save, print, send or receive documents at any time from both Morgan Stanley Online and the Morgan Stanley Mobile App.
    Learn More and Enroll in E-delivery
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    Digital Vault
    The Digital Vault is a document delivery, storage and collaboration space for Morgan Stanley clients and Financial Advisor teams.

    Clients have integrated access to the Digital Vault through the Morgan Stanley Online portal and the Morgan Stanley mobile app. Financial Advisor teams can access and review their clients’ Digital Vault content seamlessly.

    Benefits include easy document sharing between clients and FA teams, secure repository to store important client documents, fully integrated into existing client and FA platforms, more efficient exchange of information
    encryption, virus scans and multi-factor authentication for security
    Check Out the Digital Vault

Cybersecurity Resource Center

Your security is our top priority. Morgan Stanley proactively defends our systems and monitors our digital landscapes to anticipate issues before they arise and responds appropriately when they do.

The Firm is actively supporting a multitude of layers of security. Security includes the following; strong encryption protocols designed to protect your data, continuous monitoring to help detect and prevent fraudulent activity in your accounts, routine testing of our systems to identify potential vulnerabilities, and independent reviews by outside security firms to penetration test our applications and evaluate our processes.
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    Online Security Center
    Safeguarding your assets and personal information is paramount to us. Learn about our extensive security measures and take advantage of our numerous resources and ideas that are geared towards helping you stay protected on the World Wide Web.
    Access the Online Security Center
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    Multi-Factor Authentication
    Multi-Factor Authentication (MFA)
    provides additional verification—beyond
    your username and password—to confirm
    your identity and protect access to your
    accounts. MFA can help safeguard your
    accounts in the event that your username
    and password are compromised.
    Click here to learn more
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    Cybercrime Preparedness
    Was your email hacked? Your Social Security Number stolen? Do you know how to respond? Learn the steps to take if and when your identity, account, device or information is compromised.
    Click here to learn more
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    Phone Security
    You likely spend more time each day on your smartphone than on your computer, but do you pay as much attention to protecting the security of your phone as your computer? Find out why you should.
    Click here to learn more

Location

303 International Circle
Ste 500
Hunt Valley, MD 21030
US
Direct:
(410) 229-8200(410) 229-8200
850 Morrison Dr.
Suite 800
Charleston, SC 29403
US

Meet Twin Harbors Group

About Eric A Villamater

Advising clients since 1986, Eric joined Morgan Stanley in 2006 after 17 years with Legg Mason Wood Walker Incorporated as a Financial Advisor. Eric strives to provide unparalleled service and value to his clients.

A Baltimore native, Eric is a graduate of the Loyola Blakefield School, and received his bachelor’s degree in accounting and finance from Loyola University. A Lutherville resident, Eric enjoys spending time with his wife, Molly, a former international banker. They have two children, Nick, a Financial Advisor with Morgan Stanley, and Anne Marie, a Financial Analyst with Morgan Stanley.
Securities Agent: CA, IN, SC, MO, MN, MI, MD, GA, WV, NY, NM, DE, OR, NV, MA, IL, NC, WA, SD, HI, DC, PA, OH, KY, FL, CT, CO, AL, UT, NJ, ME, KS, LA, AK, VA, RI, TN, OK, NH, AZ, WI, VT, TX; General Securities Representative; Investment Advisor Representative
NMLS#: 1288302

About Scott Shotto

•Over 30 Years of Investment Experience
•Former Maryland Complex Manager
•BS, Business Administration-The Citadel, The Military College of South Carolina
•PaineWebber, 1988-1998
•1998 - Current: Morgan Stanley* and its predecessor firm
Securities Agent: VT, DC, OR, UT, RI, PA, MI, AL, VA, NY, NV, KY, CT, GA, TN, WA, MO, KS, IN, DE, WV, WI, TX, SD, ME, IL, HI, AZ, OH, NM, NH, NC, CA, AK, OK, NJ, MN, SC, MD, FL, CO, MA, LA; BM/Supervisor; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 1253167

About Robert Sitton

Robert has been helping clients for over 30 years. With an emphasis on “hands on” portfolio management, financial and retirement planning, and company pension plans. Robert tries to take the headaches out of investing so you can enjoy the things you like to do. He is a graduate of Baltimore Polytechnic Institute and Towson University. Robert lives with his wife Alfie, the former President of Financial Security Consultants. Robert and Alfie have two children who live in the Owings Mills area. Dustin, who is the President of Incite Automation, and Alexandria, a Financial Advisor with UBS
Securities Agent: MO, MA, WV, TX, SC, LA, DE, ME, DC, AK, WI, SD, PA, NY, NV, NM, OK, WA, VT, NH, MN, MI, MD, CT, UT, OR, NJ, KS, FL, OH, NC, IL, AZ, AL, TN, RI, IN, HI, CA, KY, VA, GA, CO; General Securities Representative; Investment Advisor Representative

About Erik Barrueto

Securities Agent: CT, WI, GA, SC, PA, OR, OH, HI, CO, CA, VT, VA, TN, NH, MO, MA, KY, OK, NY, IL, UT, TX, MN, IN, ME, WA, DE, AK, NJ, MI, LA, NC, SD, KS, AZ, AL, WV, RI, NV, NM, MD, FL, DC; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 1479394
CA Insurance License #: #0M90946

About Brett Leonard

•Financial Planning Specialist
•BA, Economics and Business, Virginia Military Institute
•Series 7 and Series 66 Licensed
•Insurance Licensed in MD for Life, Health, & Variable
•Pacesetter's Club
•Community Foundation of Frederick County Scholarship Committee Chairman
Securities Agent: MO, IN, CT, CO, GA, TN, NC, MN, KY, KS, IL, AZ, SD, PA, OR, HI, NY, NM, DC, UT, RI, CA, AL, OK, OH, ME, MD, MA, WA, NV, FL, VT, VA, NH, MI, DE, WV, TX, SC, NJ, LA, AK, WI; General Securities Representative; Investment Advisor Representative
NMLS#: 1288259

About Nicholas Villamater

Nick joined the group in July of 2018 and represents the next generation of this family run practice. A Baltimore native, Nick attended the McDonogh school before pursuing a degree in International Business and Spanish language from the College of Charleston in South Carolina. Leveraging his degree, Nick has worked abroad in both London, England and Danang, Vietnam before returning home to Baltimore to pursue a career in financial services. His present responsibilities include new business development, client relationship management, optimization of the group’s digital presence, and the creation/implementation of customized financial plans.
Securities Agent: WV, NH, OH, IL, WA, OR, NY, NC, MN, MI, ME, MD, TX, IN, GA, FL, CO, AZ, MA, DE, CT, PA, NV, HI, VA, UT, TN, KY, KS, DC, WI, OK, LA, AL, SD, AK, SC, NJ, MO, CA, VT, RI, NM; General Securities Representative; Investment Advisor Representative
NMLS#: 1780434

About Ryan Palting

Ryan joined the Villamater Group in January of 2005, and holds the CERTIFIED FINANCIAL PLANNER™ designation. Ryan focuses on the design of customized investment solutions for each client’s unique financial objectives. These solutions act as the framework for building clients current financial states towards their ideal financial futures. In addition to the design of said solutions, Ryan actively monitors client’s portfolios, and advises on appropriate adjustments, as circumstances change. He received his Bachelors of Economics and Government Politics from the University of Maryland in 1989 and went on to obtain his Masters of Finance from University of Baltimore in 1994. Ryan began his financial career with Legg Mason Wood Walker Inc. in 1993 and has over 25 years worth of experience in the investment industry. In his free time, Ryan and his family are heavily involved with activities at their church, The St. Louis Parish of Clarksville, MD. Additionally, Ryan is an avid golfer.

About Elizabeth Andrews

With 20 years of experience in the financial services industry, Beth brings a vast wealth of knowledge to the team. She plays a crucial role in the day-to-day operations of our group, managing the service and operational aspects of the client experience. She has been instrumental in the success of managing clients’ ever changing needs and concerns. Outside of work, Beth spends her time pursuing her passions of travel and cooking.

About Merri Toulas

Merri has been in the financial services industry for the last 25 years. As such, she commands a great deal of experience. Wearing many hats, Merri focuses on safeguarding client assets with diligence and attentive care. She is also instrumental in providing operational support to our team. When not working, Merri is prefers to spend her time traveling, fishing, watching football, and racing horses with her husband.
Wealth Management
Global Investment Office

Portfolio Insights

Investing

Working closely with you to guide your wealth and investments through the most challenging market cycles.
  • Asset Management
  • Wealth Planning
  • Traditional Investments
  • Alternative Investments
  • Impact Investing
2025 Global Economic Outlook: U.S. Policies May Temper Global Growth
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2025 Global Economic Outlook: U.S. Policies May Temper Global Growth

Global growth is likely to be around 3% in 2025 and 2026, as tariff and immigration policies begin to slow the U.S. economy late next year, and China's underperformance restrains emerging markets.

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
Taking Control of Your Finances After Death of a Spouse
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Taking Control of Your Finances After Death of a Spouse

Financial planning after a divorce or death can be trying, but with the right approach and the right advice you can turn a difficult situation into empowerment.
Ready to start a conversation? Contact Twin Harbors Group today.
Certified Financial Planner Board of Standards, Inc. (CFP Board) owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™, and CFP® (with plaque design) in the United States, which it authorizes use of by individuals who successfully complete CFP Board’s initial and ongoing certification requirements.

1Morgan 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.

For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.

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2Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.

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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

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4Morgan 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.

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5When 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.

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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.

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7Morgan 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.

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8Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.

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9Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.

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10Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.

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11Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.

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12Investors 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.

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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)