My Story and Services

"As your Financial Advisor, I 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. Working together, I can help you to preserve and grow your wealth. You will have access to some of the world’s most seasoned and respected investment professionals, a premier trading and execution platform and a full spectrum of investment choices."
Securities Agent: GA, WA, NY, FL, TX, NJ, NC, MD, IL, WI, MS, ID, DC, AZ, AL, OK, OH, MI, CO, TN, MA, CA, VA, ME, IA, MO, MN, IN, SC, PA, AR, NV, LA; General Securities Representative; Investment Advisor Representative
NMLS#: 1498285
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Client Service Team

    Stephanie Stahl, Senior Registered Client Service Associate
    Phone:
    (419) 842-5314(419) 842-5314
    Email:Stephanie.Stahl@morganstanley.com

Location

7311 Crossleigh Court
Toledo, OH 43617
US
Direct:
(419) 842-5353(419) 842-5353
Toll-Free:
(800) 458-1066(800) 458-1066
Fax:
(419) 842-5370(419) 842-5370

The Power of Partnerships

By partnering with experienced individuals across wealth disciplines, Morgan Stanley Financial Advisors can align specialized resources with your custom needs and deliver strategic guidance through the familiarity and trust of existing relationships

About Kristopher Johnson

Kristopher Johnson is a Private Banker serving Morgan Stanley Wealth Management offices in Michigan and Ohio.

Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Kristopher began his career in financial services in 2008 and joined Morgan Stanley in 2017. Prior to joining the firm, he was a Wealth Management Banking Advisor at Bank of America Merrill Lynch. He also served as a Wealth Management Lending Officer and Sales Trainer at Bank of America Merrill Lynch.

Kristopher is a graduate of the University of Michigan, where he received a Bachelor of Arts in Political Science, and Arizona State University’s W.P. Carey School of Business, where he received his Masters of Business Administration in Finance. He lives in Rochester, Michigan with his wife. Outside of the office, Kristopher enjoys exercising, watching sports, volunteering with local organizations, and spending time with family and friends.
NMLS#: 630462

About Sally A. Cholewka

Sally A. Cholewka, CFP® is a Vice President and Financial Planning Director serving Morgan Stanley’s Wealth Management offices in Southeast Michigan. She is responsible for helping Financial Advisors with their clients' and prospects' financial planning needs.

Sally began her career in Financial Services in 2010 and joined Morgan Stanley in 2021. Prior to her current position, she worked as Director of Financial Planning for a group of independent financial advisors affiliated with LPL Financial. Her role for over the last decade has been to facilitate retirement income planning, tax aware positioning and estate & legacy conversations.

Sally has held her Certified Financial Planner® designation since 2017. A graduate from the University of Iowa, she proudly identifies as a “Midwesterner”, having lived or worked in Iowa, Minnesota, Illinois and Michigan. She currently lives in Shelby Township, MI with her husband and daughter. Outside of work, Sally enjoys vacationing with her family, boating, and volunteering with the SIFMA Foundation’s “InvestWrite” national writing competition for elementary age children.

About Emily Palmer

Emily Palmer is a Vice President and Financial Planning Director serving Morgan Stanley’s Wealth Management offices in Greater Michigan. She is responsible for helping Financial Advisors with their clients' and prospects' financial planning needs.

Emily began her career in financial services in 2001 and joined Morgan Stanley in 2022. Prior to her current position, she was a Wealth Management Advisor with TIAA (Teachers Insurance and Annuity) and the Director of Training and Acquisitions for United Capital Financial Advisors, now Goldman Sachs Wealth Management. Emily graduated from Texas Tech University, with a Bachelor of Science in Personal Financial Planning and holds her CERTIFIED FINANCIAL PLANNER™(CFP®). Emily lives in East Lansing with her husband and children. Outside of work, Emily supports her husband and the downtown Lansing community as a pastor’s wife and coordinator for the A Lot More Fun Comedy Club (Church Comedy Club). She also plays tennis and cheers on her kids at their activities.

About Mamta Shah

Mamta Shah is the Trust Specialist based in Chicago, covering the Midwest Region. Morgan Stanley provides a full array of personal and institutional trust services to high net worth clients of the firm. Mamta’s responsibilities include educating Financial Advisors and their clients on the open architecture trust service model and helping them identify opportunities to leverage the trust partners on the platform.

Before joining Trust Services in 2010, she was the Wealth Analyst with the Chicago based Wealth Planning Center at Morgan Stanley. Mamta was responsible for providing information and education on a full range of income and estate tax topics and concerns.

Prior to joining the Planning Center team in 2006, Mamta was Vice President of an Independent Investment Advisory Firm. She worked closely with the clients of the firm on a variety of financial planning and investment advisory services.

Mamta obtained her bachelor’s degree from Babson College with a major in Finance/Entrepreneurship. Mamta is a licensed CPA and holds a CFP® designation, She has been in the financial services industry since 1999. She is Series 7, 63, 65 and life/health insurance licensed. She is a member of the AICPA and the Illinois CPA Society. She lives in Chicago with her family.

About Michael Twentyman

Michael Twentyman is a Planning Associate at Morgan Stanley providing dedicated financial planning support to Financial Advisors and their teams. Operating as an extension of the FA/Team, he collaborates with clients to discover and define goals that matter most to them. Leveraging state of the art technology, he will evaluate various options and their potential outcomes to help clients confidently choose the appropriate course of action. Michael provides expertise across a wide suite of Morgan Stanley planning tools designed to assist in the areas of investment accumulation, retirement, education, major purchase, cash flow, risk management, tax efficiency, and wealth transfer planning.

He earned his undergraduate degree from the University of Arizona and received the Financial Planning Specialist® designation from the College for Financial Planning. Michael is originally from Chatham, New Jersey and currently resides in New York City, NY.
Wealth Management
Global Investment Office

Portfolio Insights

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Awards Disclosures
CRC 6491812 (04/2024)