The GAM Group - Morgan Stanley Team - Ridgewood, NJ
Morgan Stanley
The GAM Group
at Morgan Stanley
Consulting Group
1200 E. Ridgewood Ave
Ridgewood, NJ 07450
tel: (201) 251-6524
toll-free: (866) 349-2043 
fax: (201) 670-3430
left to right: Dara Hubbard, Michael Greenstone, John B. Araneo, and Gail Litchfield
Welcome


As your Financial Advisors, we can help you define and strive to meet your goals by delivering a vast array of resources to you in the way that is most appropriate for how you invest and what you want to achieve. Our process is founded on the following formulas:  WM = IC + AP + RM (Wealth Management = Investment Consulting + Advanced Planning + Relationship Management). 

AP = WP + WE + WT + CG (Advanced Planning = Wealth Preservation + Wealth Enhancement + Wealth Transfer + Charitable Giving). Perhaps the most important aspect of your financial profile is to preserve the wealth you have accumulated to leave a lasting legacy to those who are most important to you.  We are well versed in the various vehicles available to help you meet these goals.

RM = ERM + CRM (Relationship Management = Expert Relationship Management + Client Relationship Management).  We have at your disposal a referral network of the finest experts in the region in matters regarding tax planning, estate planning, corporate law, etc.  In order to make sure you are contacted according to your wishes we have an automated contact system that insures you are contacted at the proper intervals and your periodic reviews are scheduled regularly.

Once we conduct our initial discovery meeting we create a “Total Client Profile” which becomes a living document that is revisited during our systematic client reviews.  You receive a copy of your “Total Client Profile” at your first review and when there are changes to your circumstances we update your document to keep it current.  We seek to fill gaps between what you have and what you want.




Bulletin Board
  • We keep the number of relationships in our practice low so that we can provide the best service possible.  However, every year we have a small increase in capacity which allows us to offer a unique service.  Dubbed our “Second Opinion Service”, we are willing to perform a discovery meeting for anyone who you feel could benefit from the services we provide you. If during our discovery process we find that the person you have referred us is already well taken care of, we will simply confirm so.

  • For the latest news and reports on market volatility, see Investing & Market Insights.

  • Cut through the clutter!  External Insights delivers exclusive content from money managers, economists, academics and other financial professionals.
This 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.
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*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Morgan Stanley Smith Barney LLC and its affiliates do not provide tax or legal advice. To the extent that this material or any attachment concerns tax matters, it is not intended to be used and cannot be used by a taxpayer for the purpose of avoiding penalties that may be imposed by law.  Any such taxpayer should seek advice based on the taxpayer's particular circumstances from an independent tax advisor.
The securities/instruments, investments and investment strategies discussed in this material may not be suitable for all investors. The appropriateness of a particular investment or investment strategy will depend on an investor's individual circumstances and objectives. The views and opinions expressed on this website do not necessarily reflect those of Morgan Stanley.
Awards Disclosures
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