A Bethesda-based wealth management practice operating within Morgan Stanley. We build, steward, and stress-test financial plans for individuals, families, and business owners across the D.C. metro — one relationship at a time.
No unified plan. Concentrated employer stock. Two high-cost mutual funds and a dormant 401(k) from a previous role in Reston.
Consolidated custody, tax-aware rebalancing, a written retirement glide path, and a 529 pipeline for two children. Reviewed quarterly.
We are a small team by design — senior advisors who live in the community we serve, working within Morgan Stanley's platform to bring institutional-grade tools to private clients.
Most of our clients arrive at a transition: the sale of a business, an executive liquidity event, the death of a parent, or simply the quiet recognition that a 401(k) and a brokerage account no longer add up to a plan. We translate that complexity into a written, reviewable strategy — and then we steward it, quarter after quarter, for years.
We work primarily with households in Bethesda, Chevy Chase, Potomac, Northwest Washington, and Rockville. Engagements are fee-based and fiduciary in spirit, with custodial assets held at Morgan Stanley Smith Barney LLC. SIPC member. We do not custody crypto, sell annuities on commission, or accept payment from third-party fund managers.
Each service below can stand alone, but most clients engage two or three together. Indicative pricing reflects typical first-year fees for a household in the $1M–$5M range; final terms are documented in writing before any work begins.
Discretionary portfolio management across equities, fixed income, municipal bonds, and Morgan Stanley's alternatives platform. Tax-aware rebalancing, quarterly performance reporting, and a written Investment Policy Statement for every household.
A written glide path from accumulation to distribution: Social Security claiming strategy, Roth conversion windows, required minimum distribution modeling, and a sustainable withdrawal rate stress-tested across market regimes.
Coordination with your attorney and CPA on revocable trusts, beneficiary designations, gifting strategy, and generational transfer. We do not draft legal documents — we make sure the financial architecture supports the ones your lawyer has written.
For owners of closely-held companies in the D.C. metro: pre-liquidity planning, executive deferred compensation, succession coordination, and the management of post-sale proceeds. We work alongside your CPA and M&A counsel.
Year-round tax-loss harvesting, asset location across taxable and qualified accounts, municipal bond allocation for high-bracket Maryland filers, and coordination with your CPA on estimated payments. Built into our investment fee — not billed separately.
Direct-sold 529 plan selection, multi-state deduction analysis for Maryland and D.C. residents, grandparent-funded strategies under the current FAFSA rules, and coordination with Coverdell ESAs and custodial accounts.
Wealth management is not a single meeting. It is a rhythm — discovery, design, implementation, and stewardship — that we return to as your life changes. Below is what each movement looks like in practice.
A 90-minute conversation in our Bethesda office or by video. We review statements, tax returns, insurance, and estate documents — and listen for the goals that don't fit on a balance sheet.
Within two weeks you receive a written plan: an Investment Policy Statement, a retirement projection, an estate-coverage map, and a one-page summary of recommendations ranked by impact.
We open or consolidate accounts at Morgan Stanley Smith Barney, transfer assets in kind where possible, and coordinate with your CPA and attorney. Most transitions complete within 30 days.
Quarterly reviews, an annual planning summit, and proactive outreach when tax law, rates, or your life shifts. The plan is a living document — not a binder that lives on a shelf.
“We turned retirement from a vague worry into a written, dated plan. Three years later, we are still working with the same team — and the plan still reflects our life.” M. & K., clients since 2021 · Bethesda, MDBegin your plan
A look at the materials, settings, and outputs of a typical engagement — from the first discovery meeting to the quarterly review packet.
The first conversation is complimentary and without obligation. Tell us a little about your situation below, and a senior advisor from our Bethesda office will respond within one business day to arrange a 90-minute discovery meeting — in person or by video.