Citadel Point Wealth Management at Morgan Stanley

Mike has 27 years of experience consulting affluent families, business owners and employers regarding their qualified and non-qualified plans by delivering investment services to both plan sponsors and participants. His practice is built on the principles of honesty, transparency, attention to detail and commitment to client goals - these core beliefs remain the foundation of his practice today. Mike is a member of Graystone Consulting, the institutional consulting division within Morgan Stanley. He was awarded the distinguished Corporate Retirement Director (CRD) designation within Morgan Stanley. The CRD designation recognizes financial advisors who have dedicated their practice to helping corporate clients manage all aspects of their retirement plans. Mike works with Plan Sponsors, Trustees and Investment Committees to assist them in managing their fiduciary duties. He has extensive experience in helping plan sponsors develop Investment Policy Statements, analyze investment managers, educate participants, conduct plan benchmarking and manage RFP’s. Mike also obtained MS's Financial Wellness Director designation for his dedication to improving retirement plan participant financial literacy. Mike earned Morgan Stanley’s Governmental Entity Specialist (GES) designation due to his background of consulting with municipalities. He is also a Global Sports & Entertainment Director and is committed to helping families, celebrities and athletes’ structure and implement personalized financial plans.

He is proud to be recognized for his industry experience, and client-centric approach by Forbes in 2025 as a Best-in-State Wealth Advisor, Barron’s 2024 Top 100 Institutional Consulting Team and 2025 Barron’s Top 1200 Financial Advisor.

Mike earned the CERTIFED FINANCIAL PLANNER^® (CFP^®) and MS’s Family Wealth Director designations by meeting rigorous education, examination, experience, and ethics requirements. Additionally, Mike is a Chartered Retirement Plans Specialist (CRPS^®), a Qualified Plan Financial Consultant (QPFC^®) and a Certified 401(k) Professional (C(K)P^®) earned through the UCLA Anderson School of Management. Mike also obtained MS's Senior Portfolio Manager and Senior Investment Management Consultant designations. He is a member of the National Association of Plan Advisors (NAPA), Association of Professional Investment Consultants (APIC) and Retirement Advisor Council. His investment and advisory registrations include Series 7, 31, 63, and 65 licenses and he holds Pennsylvania Life, Accident and Insurance licenses.

Prior to joining the firm in 1998, Mike served as a Military Police officer in the U.S. Army. Mike graduated with honors from The Pennsylvania State University with a Master in Business Administration (M.B.A.) and Summa Cum Laude with a B.A. from St. Leo University.

In his personal time, Mike supports numerous charities and is an active member of the American Legion and Veterans of Foreign Wars (VFW). He most values creating special memories with his wife and two boys ages 9 and 6.



Barron's Top 100 Institutional Consulting Teams (2024)
​Source: barrons.com (Awarded May 2024) Data compiled by Barron's for the period Jan 2023-Dec 2023.

Barron's Top 1,200 Financial Advisors: State-by-State (2025)
​Source: barrons.com (Awarded Mar 2025) Data compiled by Barron's for the period Oct 2023-Sept 2024.

Forbes Best-In-State Wealth Advisors (2025)
Source: Forbes.com (Awarded April 2025) Data compiled by SHOOK Research LLC for the period 6/30/23 - 6/30/24.

https://www.morganstanley.com/disclosures/awards-disclosure.html

Clay Collins, a Certified Investment Management Analyst^® (CIMA^®) is dedicated to serving our investment committee members through continued education, experience, and some of the highest standards of ethics within the financial services industry. CIMA^® professionals have the advanced investment management experience necessary to serve institutions and use that in-depth knowledge to analyze and hand select the investment solutions that most closely align with your goals and objectives. He has over 20 years of financial services experience focusing on Defined Contribution Consulting, Non-qualified Plan Design, Alternative Investment Due Diligence, Portfolio Construction and Manager Selection.
Clay earned the CERTIFIED FINANCIAL PLANNER™^® designation in 2007 through rigorous training in 72 areas of financial planning and must accrue 30 hours of continuing education credits every two years. As a CERTIFIED FINANCIAL PLANNER™^® he is held to the Standards of Professional Conduct and Code of Ethics written by the CFP Board. He earned the Certified Investment Management Analyst (CIMA^®) designation in 2013 by completing the executive education program at The Wharton School and passing a stringent Certification Exam. He is required to comply with the Institute’s Code of Professional Responsibility and stay updated on industry trends, laws and products with 40 hours of education every two years, including two hours of ethics training. Clay holds Morgan Stanley’s Corporate Retirement Director (CRD), U.S. Government Entity Specialist (GES) and Alternative Investment Director (AID) designation. Additionally, he is a Chartered Retirement Plans SpecialistSM (CRPS^®) and Chartered Retirement Planning CounselorSM (CRPC^®). He is a member of the Investments & Wealth Institute and National Association of Plan Advisors. His investment and advisory registrations include Series 7 and 66.
Prior to rejoining the firm, Clay worked as a Regional Retirement Specialist at American Century Investments and as a Regional Retirement Director at Morgan Stanley.
When he is not serving valued clients, Clay enjoys spending time with his wife, Julie and two children, Sean and Avery, on vacation, at the shore or on the sports field. He supports numerous charities focused on supporting our Armed Services, eradicating cancer and the development of our children. His two favorite hobbies are golfing and fishing with family and friends.

Nicholas Tardy is a Associate Vice President, and Financial Advisor at Morgan Stanley. With over eight years of experience, Nicholas has established himself as a dedicated Financial Advisor, focusing in the development and management of comprehensive retirement plans tailored to help meet the unique needs of corporate clients and their employees. Nicholas's professional journey is marked by a series of industry designations that reflect his deep knowledge and proficiency in financial planning. As a Certified Financial Planner™ (CFP^®), he is recognized for his ability to craft holistic financial strategies that encompass virtually all aspects of a client's financial life. His designation as a Retirement Income Certified Professional (RICP^®) highlights his dedication in creating sustainable retirement income strategies, helping ensure clients can enjoy financial well-being in their retirement years. Additionally, as a Chartered Retirement Plans Specialist (CRPS^®), Nicholas is adept at designing and managing retirement plans that align with the goals of both employers and employees.
Further enhancing his credentials, Nicholas is a Certified Exit Planning Advisor (CEPA), providing invaluable guidance to business owners as they navigate the complexities of business succession and exit strategies. His experience as a Qualified Plan Financial Consultant (QPFC) demonstrates his comprehensive understanding of retirement plan consulting, including plan design, investment management, and sponsors' fiduciary responsibilities. Internally, at Morgan Stanley his role as one of the youngers Corporate Retirement Directors (achieved by about 2% of the firms 15,000+ financial advisors as of 12/31/24) and as a National Strategic Partner underscores his commitment to delivering exceptional level of service and strategic guidance.
Since 2020, Nicholas has been a proud member of the Morgan Stanley Pacesetters Club, (most recently in 2025) an exclusive firm recognition awarded to financial advisors who demonstrate exceptional level of performance and a commitment to excellence. This accolade is a testament to his unwavering dedication to his clients and his ability to deliver comprehensive financial guidance.
Beyond his professional achievements, Nicholas is deeply committed to giving back to the community. He and his wife are passionate about fostering dogs, providing care and support to animals in need. His philanthropic efforts extend to his role on the foundation board at Staten Island University Hospital, where he contributes his insight to help advance the foundation's mission and improve community health outcomes.
Nicholas Tardy's distinguished career is characterized by his unwavering commitment to his clients, his community, and the financial planning profession. His comprehensive approach, coupled with his extensive experience, makes him a dedicated financial advisor and a leader in the industry.

Disclaimer:
Morgan Stanley Wealth Management Pacesetter's Club members must meet a number of criteria including performance, conduct and compliance standards, revenue, length of experience and assets under supervision. Pacesetter's Club membership is no guarantee of future performance.

Adrianne has over 22 years of experience with Morgan Stanley working with Human Resource Managers, Finance Staff and Plan Administrators in managing the day-to-day activities of corporate retirement plan clients. As a performance driven professional, Adrianne also facilitates the coordination of the family advisory practice. Her responsibilities include preparation of client reviews and processing service requests. She strives to improve the overall client service experience. She was promoted to Group Director in 2022.

Her previous roles with the company included Registered Client Service Associate, Operations Generalist and Cashier. Her duties included numerous administrative functions and she worked to help ensure compliance with all regulatory policies and control procedures.

Adrianne graduated with a Bachelor of Science in Business Management from Kutztown University in 2002 and is a graduate of Emmaus High School. She enjoys spending time with her husband, Jeremy, and two children, Mikayla and Aaron. She volunteers in the East Penn School District by assisting teachers with various educational activities in the classroom. She also devotes her free time to the Lower Macungie Youth Association by coaching children and promoting team work.

David Gossett, CFA^®, QPA^®, CRPS^® is the Director of Business Strategy with Graystone Consulting, operating out of the team’s Cleveland, Ohio office. With over 12 years of technical consulting experience in the qualified plan domain, David joined Graystone Consulting in 2015. His contributions have been pivotal in enhancing technical retirement plan design, addressing regulatory compliance challenges, spearheading vendor negotiations, refining institutional reporting practices, and spearheading research and strategy initiatives. David is also involved in the group’s model delivery, equity, fixed income, ETF, alternatives, and recordkeeper due diligence, bolstering Graystone’s positioning at the forefront of the industry in both qualitative research and quantitative efficiency.

David’s academic foundation was laid at the Honors College at the University of Akron, where he achieved a B.A. in Corporate Finance. An ardent believer in continuous learning, his subsequent years were marked by significant professional achievements. In 2013, he earned the Qualified 401(k) Administrator (QKA) designation by the American Society of Pension Professionals and Actuaries (ASPPA). Further enhancing his credentials, 2016 saw him acquiring the Qualified Pension Administrator (QPA^®) designation from ASPPA, followed by the Chartered Retirement Plans Specialist (CRPS^®) designation, recognized by the College for Financial Planning. In 2020, he was awarded the Qualified 401(k) Consultant credential through ASPPA. Furthermore, David successfully passed all three levels of the CFA^® program and was awarded his CFA Charter in 2021. He is not only an active member but sits on the board of CFA Society Cleveland, advocating for the finance sector’s continuous growth and ethical integrity, overseeing the CFA research challenge, career day, and university ambassador programs during his service. David enjoys life in Tallmadge, Ohio, where he resides with his wife Megan and their beagle, Artie Rho.

Julie has 10 years of financial services experience working with wealth management and corporate retirement plan clients. She is focused on delivering exceptional service and timely and accurate reporting to our clients. She is responsible for our institutional billing, client reporting and addressing operational and administrative inquiries for the Graystone Metro NY | Allentown | Cleveland team. Additionally, she provides support for Adrianne Fox and the team for our wealth management client inquiries and action items.

Her prior experience within financial services was with Credit Suisse where she was a Vice President and was responsible for running the Equity Capital Markets business for the Private Bank. Prior to that she worked as a Client Service Associate and Branch Manager assistant during her time at Credit Suisse. She was awarded the OneCSFB award for her work on the Google Dutch Auction IPO.

Julie graduated with a Bachelor of Science in Communication from the University of Delaware in 2000. She enjoys spending time with her husband, Clay, and two children, Avery, and Sean. Their favorite activities include tennis, skiing and hanging at the beach. She has been actively volunteering within the Little Silver and Red Bank school system.

Robert McPeake brings 4 years of industry experience to Morgan Stanley, focused in portfolio management, investment implementation, and administrative operations. Before joining Morgan Stanley, Robert worked at SEI, where he was responsible for overseeing investment strategies and ensuring seamless portfolio execution. Robert also, previously contributed to Vanguards renowned investment team, refining their expertise in asset allocation and performance analysis. Robert is a graduate from Temple University, Fox School of Business. Robert holds a solid foundation in finance and investment management and is committed to leveraging his skills to deliver strategic solutions and enhance overall client experience. Outside of work, Robert enjoys playing golf and spending time with friends and family.