Fairfield Branch Office

With over 30 of experience in the financial services industry, Joe assists trustees and individuals with creating investment processes that are consistent with their risk tolerance, time horizon and liquidity needs. As a Senior Institutional Consultant, Joe is designated by Morgan Stanley Consulting Group to address the needs of institutional clients. Prior to joining Morgan Stanley, Joe was a branch manager and Sr. Vice President at Bank of America Merrill Lynch. While there, he successfully partnered with several teams of advisors to serve institutional clients. Similarly, Morgan Stanley has named Joe a Strategic Partner. In that role, Joe helps other financial advisors address the needs of high net worth and institutional clients. Additionally, he has been recognized several times by On Wall Street magazine as a Top 100 Branch Manager in the United States as recently as 2018.

Joe graduated from Fairfield University with a B.S. in Accounting and an M.A. in Organizational Communication. He has earned both the Chartered Financial Analyst (CFA) and Certified Financial Planner™ (CFP^®) professional designations. Joe is currently an adjunct professor at Fairfield University teaching courses in Economics. He has taught at New York University and Pace University. The experience and skills gained from over 17 years of teaching at the university level help him with educating his clients about investment strategies, asset allocation, capital markets and the importance of using definable and repeatable methods of portfolio management. In conjunction with his responsibilities and professional designations, he is a member of CFA Society New York, CFA Society Stamford (CT), the Association of Professional Investment Consultants (APIC), the Government Finance Officers Association of Connecticut (GFOA-CT) and the American Economic Association (AEA).

Joe has written a bi-monthly business column for seven Connecticut newspapers that appeared in print as well as online. He is also a contributor to the APIC Oracle, an online newspaper published by the Association of Professional Investment Consultants for its members. In 2019, he became a member of the Society for Advancing Business Editing and Writing (SABEW). He actively supports the Red Cross and has been involved with numerous charitable organizations over the years. He currently is a judge for SIFMA's InvestWrite program, reads to grammar school children in public schools in Bridgeport, CT with the School Volunteer Association and serves as the Chairman of the Board of the Stratford (CT) Visiting Nurses Association.

Joe and his wife Deborah have three grown children and four grandchildren.

Lindsay Pereguda is an Assistant Vice President and Wealth Management Associate at Morgan Stanley in Fairfield, CT. She began her financial services career at Alliance Bernstein in 2008 advancing to the role of Senior Registered Client Associate in support of an advisory team. In 2013, she joined Douglas Elliman Real Estate as an Operations Manager to assist high net worth families navigate New York City real estate transactions. Upon reentering the wealth management industry, she has held the position of Senior Registered Client Service Associate at Wells Fargo and Janney Montgomery Scott. Lindsay joined Morgan Stanley in 2018.

With over 17 years of experience in client service and operations, Lindsay works closely with high net-worth clients, non-profits and government entities providing services that include onboarding, account maintenance and the utilization of Morgan Stanley’s technology to create a seamless client experience. Her role also involves assisting clients with their financial planning needs.

Lindsay received her B.A. in Economics from Fordham University in 2008. She holds her Series 7, Series 63, Series 66 securities registrations as well as insurance licenses. Lindsay and her husband Tom have two sons, Andrew and Julian.

CRC #4296054 03/2025

Fernando Valdovinos is an Assistant Vice President, Business Service Officer for the Soundview Market. He currently supports the Stamford Market branches, Stamford, Ridgefield and Fairfield, where he is responsible for service and operational items in these branches as well as guiding and coaching Support Professionals.

Fernando graduated from The University of Connecticut where he received a Bachelor of Science in Business Administration. He began his career in financial services in 2018 as an operations associate at Tradition Financial Services and later in wealth management as a service associate at Morgan Stanley where after 2 years he transitioned into his current role as a Business Service Officer. He holds his Series 7, 9, 10 and 66. He is also fluent in Spanish.

Fernando resides in Stratford, Connecticut with his wife, Katie. In his free time he enjoys visiting national parks, traveling and spending time with his family.

Amy Terzakis started her career at Smith Barney in 1995 and has been with the Firm through several mergers. Amy is the Risk Officer for the Ridgefield & Fairfield CT branches at Morgan Stanley. Her primary responsibility is supervisory and oversight of business conduct and risk. Amy serves as a partner to the Financial Advisors, keeping them apprised of prevailing regulations while they maintain focus on their clients and growing their business. In her free time, Amy enjoys spending time with her family & friends, reading and being outdoors.

Thomas W. Hughes is a Senior Private Banker serving Morgan Stanley’s Wealth Management offices in Connecticut and New York.

Tom began his career in financial services in 1991. Previously, he has been the National Sales Manager for AIG Financial Advisory Group and a Mortgage and Credit Specialist for Merrill Lynch. Prior to joining Morgan Stanley in 2010, Tom was a Wealth Management Banker covering the Stamford, CT Merrill Lynch office with Bank of America.

Tom graduated from Bryant University with a Bachelor of Science in Finance. He grew up and currently resides in Darien, CT with his wife and family.