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THE AISTEAR GROUP

OUR MISSION STATEMENT

To act as your Personal CFO and provide you with the time to pursue whatever is most important to you without financial distractions

Our Story and Services

Our Story

Aistear (EYE-STEER) is the Celtic word for journey and a fitting name for our team of financial professionals. As guides on your personal financial journey, we can help you take a more direct route to your ultimate destination and perhaps give you more time to enjoy the scenery along the way.

Our team is comprised of professionals with years of experience and credentials that distinguish us from many of the other advisory choices available to you. James Carney and Bareq Peshtaz, two of our principals, are Morgan Stanley Family Wealth Advisors, a distinction awarded to only a relative handful of the firm’s 16,000 Financial Advisors. In addition, Bareq is a Certified Investment Management Analyst, and James is a Certified Financial Planner. Todd Bonime and Doug Webb are Morgan Stanley Financial Planning Specialists who can help you address challenges that go far beyond your investment portfolio.

Our objective is to serve as your personal CFO and relieve you of the financial stresses and complexities that may take you away from your family, work or whatever else is really important to you. Our clients include successful business owners, corporate executives, professionals and other people of means who realize that in today’s complex financial environment, a team of experienced guides can prove invaluable in helping them complete their financial journey on time and as anticipated.

Services Include

  • Financial Planning
  • Wealth Management
  • Business Succession Planning
  • Qualified Retirement Plans
  • Executive Financial Services
  • Estate Planning Strategies
  • Philanthropic Services
  • Divorce Financial Analysis
  • Long Term Care Insurance
  • Planning for Special Needs Individuals


Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck.

Our Clients

Clients

Most of our clients are business owners, corporate executives and professionals who are well established in their communities and careers. Despite their success, however, they may face the following challenges: 

Corporate executives often come to us with portfolios that consist largely of their employer stock and stock options that are subject to a myriad of rules of which they may only be vaguely aware. We help them manage the risk of over consolidation and integrate their equity compensation and overall corporate benefits with the rest of their finances.

Business owners often share a number of characteristics in common, even if their businesses differ greatly from one another. Their personal wealth is linked to the fortunes of their companies and they face financial challenges that go well beyond their investment portfolios. We have helped these clients manage cash flow, access capital and uncover risks that might jeopardize the future value and continuity of their businesses. In addition, we often work with our clients’ attorneys and accountants to formulate and implement business succession plans through the successful sale of a company or the transfer of ownership to family members. 

Professionals and, indeed, many of our other clients simply seek to retire with the confidence that they’ll be able to maintain a desired lifestyle for as long as they live. These individuals may also be concerned with planning their estates to provide for family members and/or charitable organizations without excessive tax liability or conflict among heirs.

Because we essentially serve as our clients’ personal CFO, we are often asked to assume responsibility for many of their day-to-day cash flow, tax planning, investment management, banking and insurance related decisions. We also collaborate with their estate planning attorneys to address their wealth transfer and philanthropic goals with customized, coordinated strategies.

Working With You


Individuals and Families

We know that your financial obligations can extend well beyond stocks and bonds in a portfolio. You can depend on us to provide comprehensive wealth management services that encompass both sides of your balance sheet and every aspect of your financial life. For more information please CLICK HERE.


Business Owners
We understand that ownership of a business frequently represents years, if not decades, of hard work and entrepreneurial savvy. However, even the best business owners may often be unfamiliar with the complexities and meticulous preparation that must go into a successful sale. Put another way, owners are preparing for a deal of a lifetime, with possibly zero experience. Lean on us to provide the knowledge, experience, and resources necessary to help guide you through the complexities of a business exit or sale. For more information please CLICK HERE.

Philanthropic Goals
Do you have a passion that you'd like to transform into an actionable plan that benefits others? We, along with our partners across the firm, can help you:

    •  Define your charitable interests and identify nonprofits that work in those areas
    •  Select charitable vehicles that may address your needs
    •  Implement plans to help ensure that your charitable dollars are well spent
    •  Seek nonprofit board placements that complement your passion
    •  Conduct research on specific charities and areas of charitable interest
    •  Find ways to involve children and other family members in your giving

For more information please CLICK HERE.



Serving as our clients’ personal CFO requires an intimate knowledge of who they are as people, as well as investors. Our planning process is robust and covers aspects of your financial life that many plans don’t.

Certainly, we examine your investments held at Morgan Stanley, but we also review assets held elsewhere – real estate, employer stock and stock options, closely held business or family limited partnership interests, for example. We work with your estate planning attorney to refine your plan and make certain it does what you want it to do, while reducing the possibility of excessive taxation and family conflict. If you’re like many of our clients, you have philanthropic objectives that should be reflected in not only your estate plan, but your budgeting, cash flow and investment strategies.

As CFO for not only you, but your entire family, we take a close look at dynamics and how you can best reach goals that may include providing your children or grandchildren with a solid start to financial security or perhaps simply teaching them about the basics of investing and the responsibilities that come with wealth. In the event of divorce, disability or the passing of a spouse, our clients’ often count on us to help relieve them of burdens they may not be prepared to assume on their own.

In short, the plan we create for you encompasses virtually every aspect of your financial life. We know you’re succeeding when we monitor your plan and determine whether you’re progressing as anticipated toward the goals you set for yourself. And we also know we’re succeeding when you not only reach those goals, but start asking us questions like:

Is that vacation condo I’m considering financially feasible?

Should I lease or buy a new car?

Can you talk to my children about credit and how to use it wisely?

After all, we think that a CFO should be available for consultation whenever a CEO has a financial question.


Experience

The professional investment credentials of our team demonstrate a deep level of knowledge, a commitment to best practices, and the ability to coordinate efforts among other professionals, such as our clients’ attorneys and CPAs.

CFP (CERTIFIED FINANCIAL PLANNER). A CFP designation indicates in-depth knowledge of the financial planning process, tax planning, employee benefits and retirement planning, estate planning, investment management and insurance. (James Carney)

CIMA (Certified Investment Management Analyst). Certified Investment Management Analyst ® (CIMA®) certification is the peak international, technical portfolio construction program for investment consultants, analysts, financial advisors and wealth management professionals. The CIMA program is distinctive as one of only a few global certifications in financial services to meet international accreditation and quality standards (ANSI/ISO 17024) for personnel certification programs. (Bareq Peshtaz).



Family Wealth Advisor. This Morgan Stanley designation indicates a proficiency of estate planning from the family perspective, families and philanthropy and family enterprises, as well as demonstrated ability to have effective conversations that help families understand and transition wealth from one generation to another. (Bareq Peshtaz, James Carney)

Financial Planning Specialist. This Morgan Stanley designation is bestowed upon advisors with the advanced training necessary to address the wide range of financial issues confronting high net worth individuals. (Todd Bonime, Douglas Webb)
 


Team Accolades

Our Accomplishments

Present

June 2018 – Bareq Peshtaz Receives CIMA Designation
Certified Investment Management Analyst (CIMA®) certification is the peak international, technical portfolio construction program for investment consultants, analysts, financial advisors and wealth management professionals. The CIMA program is distinctive as one of only a few global certifications in financial services to meet international accreditation and quality standards (ANSI/ISO 17024) for personnel certification programs.

February 2018 – Todd Bonime Named to Master’s Club at Morgan Stanley
Morgan Stanley’s prestigious Master’s Club is an elite group composed of the firm’s top Financial Advisors. The appointment recognizes Todd’s consistent creativity and excellence in providing a wide range of investment products and wealth management services to his clients.

February 2018 – Bareq Peshtaz Named to Pacesetter’s Club at Morgan Stanley 
Morgan Stanley’s Pacesetter’s Club is a global recognition program for Financial Advisors who, within their first five years, demonstrate the highest professional standards and first class client service.


  
2016-2017

March 2016 – Jim Carney Receives Family Wealth Advisor Designation
The FWA designation is granted to those Financial Advisors who have successfully completed an accreditation program focused on the skills need to help families communicate about money and values, share their goals and grow and protect wealth across generations. With this specialized knowledge, FWAs are able to provide strategic guidance to families and deliver wealth management strategies that put families – and their collective values and goals – first.



March 2016 – Bareq Peshtaz Receives Family Wealth Advisor Designation
The FWA designation is granted to those Financial Advisors who have successfully completed an accreditation program focused on the skills need to help families communicate about money and values, share their goals and grow and protect wealth across generations. With this specialized knowledge, FWAs are able to provide strategic guidance to families and deliver wealth management strategies that put families – and their collective values and goals – first.


 
Earlier

January 2014 – Doug Webb Receives Financial Planning Specialist Designation
This Morgan Stanley designation is bestowed upon advisors with the advanced training necessary to address the wide range of financial issues confronting high net worth individuals.

March 2009 – Jim Carney Receives Certified Financial Planner (CFP®) Designation from the Certified Financial Planner™ Board of Standards Inc.
Only those who have fulfilled the certification and renewal requirements of CFP® Board can display the CFP® certification mark, which represents a high level of competency, ethics, and professionalism. The CFP® Board's Standards of Professional Conduct require CFP® professionals to always place your interests above their own.
 
December 2003 – Todd Bonime Receives Financial Planning Specialist Designation
This Morgan Stanley designation is bestowed upon advisors with the advanced training necessary to address the wide range of financial issues confronting high net worth individuals.


Meet THE AISTEAR GROUP

Investing

Working closely with you to guide your wealth and investments through the most challenging market cycles.

  • Asset management
  • Traditional investments
  • Alternative Investments
  • Impact Investing

Mosaic

Explore ideas and inspiration with captivating, original lifestyle stories created exclusively for Morgan Stanley clients.

Business Planning

Partnering with you on key aspects of your business such as ownership, liquidity and developing opportunities.

  • Succession Planning
  • Business Planning
  • Retirement Plan Sponsors
  • Corporate Pension Funds

Family

Creating customized financial strategies for the challenges that today's families face.

  • Estate Planning
  • 529 Plans / Education Planning
  • Long Term Care Insurance
  • Trust Services and Accounting

Retirement

Working with you to understand your life goals and develop a truly personalized wealth strategy.  Today and for the years to come.

  • 401(k) Rollovers
  • IRA Plans
  • Retirement income strategies
  • Annuities

Philanthropy

Making sure your philanthropic dollars are managed with the same best-in-class service as the rest of your wealth.

  • Endowments
  • Foundations
  • Donor Advised Funds
  • Impact Investing

Ready to start a conversation? Contact THE AISTEAR GROUP today.

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