01
Comprehensive Financial Planning
A written, multi-goal plan covering cash flow, retirement projections, insurance gaps, and education funding — refreshed annually.
$3,500One-time plan
Private Wealth · Bethesda MD
Morgan Stanley
Private Wealth Mgmt
Kress Monarch Team
Private Wealth Mgmt
Kress Monarch Team
Capital, composed
with intent.
We are a Morgan Stanley Private Wealth Management team in Bethesda, Maryland — building retirement, estate, and tax-efficient strategies for families, founders, and executives across the greater Washington DC metro. Thoughtful advice. Disciplined portfolios. A relationship built to outlast the next market cycle.
Q3 Review
+8.4%
Rebalance
Q4 · 2025
Live portfolio telemetry
Bethesda Office
KM /01
— Who we are
A boutique team inside a global platform.
Kress Monarch is a senior wealth advisory team operating within Morgan Stanley Private Wealth Management. We were founded on a simple conviction: that families in the DC metro deserve institutional-grade thinking delivered with the attentiveness of a small practice — not the volume-driven model of a call center.
Our clients are physicians at NIH and Suburban Hospital, partners at Bethesda and Chevy Chase law firms, founders cashing out of government-contracting businesses, and multi-generational families coordinating trusts across state lines. We sit with them through job changes, inheritances, divorces, and the quiet, consequential decisions that shape a financial life.
Because we operate inside Morgan Stanley, our clients access institutional research, alternative investments, and lending capabilities that standalone RIAs simply cannot offer — yet they work directly with a named advisor who knows their children's names.
01 / FIDUCIARY
Advice first, always
Fee-based planning with a documented fiduciary standard on every recommendation we sign.
02 / BESPOKE
Custom portfolios
No model-kit allocations. Each household is built around its own tax lots and timeline.
03 / COORDINATED
CPA & attorney liaison
We coordinate directly with your existing CPA and estate attorney — we don't replace them.
04 / ACCESS
Institutional reach
Private equity, private credit, municipal bonds, and structured notes via Morgan Stanley channels.
— Services & engagement
Six disciplines, one relationship.
Every engagement begins with a written financial plan. From there, clients may engage any combination of the services below — most are included in the advisory fee, others are billed separately when scope requires.
02
Investment Management
Discretionary portfolio management across taxable, retirement, and trust accounts — built with direct indexing and tax-aware rebalancing.
0.85%Annual · AUM
03
Retirement & 401(k) Strategy
Pre-retiree income planning, Roth conversion ladders, and 401(k) rollover analysis for executives at Lockheed, Marriott, and Capital One.
$2,200Standalone module
04
Estate & Trust Planning
Coordination with your estate attorney on revocable trusts, gifting strategy, generational transfers, and beneficiary alignment.
$4,800Per engagement
05
Equity Compensation & RSUs
Concentrated stock strategy, 10b5-1 plans, ISO/NSO exercise timing, and AMT modeling for tech and gov-contracting executives.
$1,800Annual review
06
Tax-Loss Harvesting
Systematic harvest of embedded losses against gains, direct-index overlays, and municipal bond placement for high earners.
IncludedIn advisory fee
— How we work
A four-step onboarding.
From first call to signed plan, most clients complete onboarding in three to four weeks. No pressure, no product push — just a structured conversation about what your money is for.
01
Discovery
A 60-minute conversation — in our Bethesda office or by video. We listen to goals, family dynamics, and current frustrations. No deliverable, no fee.
02
Analysis
We gather statements, tax returns, and benefit documents. Our team models your retirement, estate, and tax picture against multiple scenarios.
03
Plan Delivery
A written plan presented in a second meeting. You receive specific recommendations — and the freedom to implement them anywhere you choose.
04
Ongoing Stewardship
For engaged clients: quarterly reviews, proactive tax work, and an annual planning summit. We reach out before you have to.
Trusted · Since 2014
They are the only advisors who ever asked what our children's college towns cost before showing us a single chart. That is the moment we knew we were in the right room.
M & D Harrington · Clients since 2018 · Chevy Chase, MD
— Begin the conversation
Let's talk about what your capital is for.
We accept a limited number of new client relationships each quarter to protect the quality of our existing practice. The fastest way in is a brief intake — tell us a little about your situation and we'll reply within one business day to schedule a complimentary discovery call.
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Office
Bethesda, Maryland
Montgomery County -
Affiliation
Morgan Stanley Private
Wealth Management -
Minimum
$1.5M investable
assets suggested -
Service Area
Bethesda · Chevy Chase
Potomac · NW Washington