The Five Star Wealth Manager award, administered by Crescendo Business Services, LLC (dba Five Star Professional), is based on 10 objective criteria: 1. Credentialed as a registered investment
adviser or a registered investment adviser representative; 2. Active as a credentialed professional in the ;nancial services industry for a minimum of 5 years; 3. Favorable regulatory and complaint
history review (As de;ned by Five Star Professional, the wealth manager has not: A. Been subject to a regulatory action that resulted in a license being suspended or revoked, or payment of a
;ne; B. Had more than a total of three customer complaints ;led against them [settled or pending] with any regulatory authority or Five Star Professional’s consumer complaint process.
Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through Five Star Professional’s consumer
complaint process; C. Individually contributed to a ;nancial settlement of a customer complaint ;led with a regulatory authority; D. Filed for personal bankruptcy; E. Been convicted of a felony);
4. Ful;lled their ;rm review based on internal standards; 5. Accepting new clients; 6. One-year client retention rate; 7. Five-year client retention rate; 8. Non-institutional
discretionary and/or non-discretionary client assets administered; 9. Number of client households served; 10. Education and professional designations. Wealth managers do
not pay a fee to be considered or awarded. Once awarded, wealth managers may purchase additional pro;le ad space or promotional products. The award methodology
does not evaluate the quality of services provided and is not indicative of the winner’s future performance. 5,063 New Jersey wealth managers were considered for the award;
672 ( 14 percent of candidates) were named Five Star Wealth Managers.
Left to right: 2015 winner John Spada, CRPC®, Wealth Advisor; Arnold German, CFP®, Wealth Advisor; Russ Cromwell, Portfolio Associate;
Comprehensive, Goal-Based Financial Planning Solutions
Malcolm Macpherson, Wealth Advisor
The MTJ Group, with 2015 winner John Spada, has the experience to
help you manage your wealth. During this time I have worked with
families, executives, business and charitable organizations.
All clients are di;erent. I listen to my client’s needs, concerns and
aspirations. After I learn about my clients, I can then design and
implement a customized solution for all their ;nancial and capital
management needs in order to insure their ;nancial freedom.
Setting a course: Thorough, thoughtful planning — planning that
analyzes where you are as well as where you want to go — is the
most important step in establishing a path to your goals. I will work
with you to explore and help de;ne your objectives and needs, and
structure a wealth plan that is uniquely your own.
Managing the rewards of success: Managing an investment portfolio
should be a consultative, disciplined process that balances your
attitudes and goals as an investor with careful analysis of the ;nancial
markets and the risks and opportunities they hold for you.
You can rely on me for objective, strategic advice in structuring your
portfolio and for careful analysis of any investments we consider
Shaping your retirement: Together, we can work to make decisions
that could help you move toward your retirement. Whether you are
building retirement wealth or making the transition to generating
income from your assets, I can help you develop and implement a
strategy based on your vision of retirement.
Building a unique legacy: Estate planning typically brings together
the dimensions of life: personal, family, ;nancial and charitable. I will
work with you to understand the connections between your life and
legacy goals, and work with your accountant and attorney to help
you develop a strategy to position your portfolio appropriately.
15 Independence Boulevard | Warren, NJ 07059
Phone: 866-637-7271 | Phone: 908-626-8606
firstname.lastname@example.org | www.morganstanleyfa.com/mtj
©2015 Morgan Stanley Smith Barney LLC. Member SIPC. Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CER TIFIED 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
Providing the dedicated service you deserve.
Areas of focus: Wealth
The MTJ Group at Morgan Stanley