The Krokenberger-Cummings Group at Morgan Stanley

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The Krokenberger-Cummings Group


Experience, intellectual capital and dedicated personal service to help you meet your life goals

Our Story and Services


What We Believe

We believe all financial success takes place in the mind. Without composure,

rationality and a well thought out plan, a portfolio means nothing.

We are financial planners first and foremost – the portfolio is

just one of many tools used for the realization of our clients’ goals.

Simplicity is at the core of what we do. We look at your current situation

– what you own less what you owe and

how much time you have to achieve your objectives.  

Then and only then, can we begin talking about investing.

Our philosophy is this: behavior is the most important determinant

of investment returns.

Cost is the second most important.

These two factors combined with a well-thought out plan,

give our clients the greatest probability of success.

Achieving your goals is not about outperforming

some arbitrary, emotionless benchmark or calling the next boom or bust.

It is about looking at the facts, having a plan,

tolerating ambiguity and being optimistic about the advancement of the human race.

Below is a recent conversation we had with WROC - TV.


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

Behavioral Management

Behavioral Management

Investment performance is irrelevant if one does not have the mental fortitude to make the right decisions and

more importantly avoid making the wrong decisions.

No one can time the markets, pick the best stocks consistently nor forecast the economy with any accuracy.

Therefore, behavior is the most important factor that will determine lifelong investment returns.

We focus on the variables we can control. In order of importance, the variables are:

faith, patience and discipline. That is our investment philosophy.

Our investment approach is this: simple is better. In finance, complexity was designed to sell people what they want;

the reality is that people come to us for advice.

And we advise them on what they need not what they want.

Our philosophy and approach is the beginning of an understanding of what we do.

Put aside the financial planning and investments.

What is left is the true value we bring to our clients and that is behavioral coaching.

If all we ever accomplish during our time working together is help you

avoid making the biggest mistake of your financial life, then we have earned our keep and done our jobs.

We leave you with a quote that perfectly sums up our philosophy and the key to success,

from a man much smarter than we all could dream to be:

“If you’re even a slightly above average investor who spends less than you earn,

over a lifetime you cannot help but get very wealthy — if you’re patient.” – Warren Buffett

Women, Wealth and Empowerment

Women – Why Me?

As a young girl raised in a divorced family, my mom was responsible for all of the

decisions, and I grew up thinking women could manage anything. As an adult, I realized

that in many cases, women lack the knowledge and confidence to make important

financial decisions on their own. When put in a position to manage their finances, the

responsibility can feel overwhelming.

As a professional advisor, I have learned that when women experience an environment

that is conducive to their style, and work with a professional who can communicate with

them more effectively, they naturally become more engaged in the process and more

interested in making good financial decisions. This provides a great deal of comfort and

reduces unnecessary stress for both them personally, and their families.

Therefore, my mission as a Financial Advisor is to transform the financial experience for

women. To create an environment where women can learn about their finances,

without intimidation, in a way that leaves them feeling inspired, excited, and confident

about their future.

Erica Cummings, CFP

Vice President

Family Wealth Advisor

Women's Events and Newsletters

Upcoming Events

Erica Cummings, CFP®
Invites you to: 

Women, Wealth and Empowerment
"Discovering your Purpose"

You have spent a lifetime using your strengths as a
woman to make smart decisions about life. 
It’s time to apply those same strengths to making smart financial decisions for your future.
 Upcoming Dates:
Thursday, January 25th– 12:00-1:30pm


Morgan Stanley
300 Linden Oaks, Suite 200
Rochester, NY  14625

Please RSVP at least one week in advance to:
 Joy Krokenberger  
(585) 249-4346


Meet The Krokenberger-Cummings Group


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

Insights and Outcomes

Thought Leadership from our Morgan Stanley ARC specialists for our ultra high net worth clients, which contains thought-provoking articles, authored by some of the Advanced Resources Center’s leading experts.


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


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

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

Ready to start a conversation? Contact The Krokenberger-Cummings Group today.

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