Four Points Group at Morgan Stanley

Betsy Pakenas is a Managing Director - Wealth Management and Financial Advisor for Morgan Stanley. As the managing partner of Four Points Group at Morgan Stanley, she has received more than her fair share of national recognition, but if you ask Betsy what she’s most proud of it would be the team she’s built. A group of genuine, caring people that provide a broad range of skills, but one common vision.

Betsy has built her practice based on quality of service over quantity of clients. A Financial Advisor since 1998, Betsy’s recognition includes Forbes "Best-In-State Wealth Advisors" (2018-2024) and Forbes "America's Top Women Wealth Advisors Best-in-State” (2022-2024).

Betsy earned her B.S. at Washington and Lee University and currently serves on their Board of Trustees. She was named to the MAKERS^® class of 2020, a project dedicated to identifying and celebrating women of accomplishment across multiple fields who sponsor and champion women’s advancement.

She has deep roots in her hometown of Frederick, having held leadership positions including the President of the Frederick County Commission for Women, President of the Rotary Club of Frederick, and as a Director of Frederick Health. Within the industry she recently served on the Board for the Association of Professional Investment Consultants and chaired two of their national conferences.

Betsy now represents Four Points Group in Sarasota in addition to Frederick. She enjoys her travel, primarily visiting her two adult children and her clients, and exploring fun new places with her husband Pete.

2018-2024 Forbes Best-In-State Wealth Advisors
Source: Forbes.com (Awarded 2018-2024). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.

2022-2024 Forbes America's Top Women Wealth Advisors Best-In-State (formerly referred to as Forbes Top Women Wealth Advisors, Forbes America's Top Women Wealth Advisors) Source: Forbes.com (Awarded 2022-2024). Data compiled by SHOOK Research LLC based on 12-month time period concluding in Sept of year prior to the issuance of the award.

Kate Sweeney is an Executive Director, Senior Portfolio Management Director, Workplace Advisor of Equity Compensation, Financial Advisor. As a top industry professional, Kate provides highly personalized advice to busy professionals and multi-generational families, with an emphasis on individuals experiencing sudden wealth such as winning the lottery or selling a business. Her comprehensive approach includes a thorough planning process and a commitment to providing outstanding service.

Kate’s experience and exceptional coaching skills enable her to understand the intricate details of each client’s personal wealth story. She focuses on what is most important, so she can develop a tailored plan to build, preserve and transition wealth across generations. She began her career at PaineWebber in the early 1980s and has been with the Morgan Stanley family since 1986.

An education advocate, Kate remains committed to advanced learning for herself and her clients. A Rutgers University graduate, she holds the industry’s most prestigious designations, including Certified Financial PlannerTM and Certified Investment Management Analyst^®. Throughout her career, she has also received numerous awards. She was recognized by Forbes as a 2018-2024 Best-in-State Wealth Advisor, a 2022-2024 Top Women Wealth Advisor Best-in-State, and a Top Women Wealth Advisor from 2018 through 2021.

Kate’s motto, “from our family to your family,” represents her belief that all clients are part of an extended family and include people from all walks of life. Her passion for helping them achieve their goals is equaled only by her dedication to her community and the environment.

Kate is the co-founder of RU-BiGLATA (currently known as the Rutgers University Rainbow Alumni League), providing support for students in the LGBTQ community. She was captain of the Rutgers women’s basketball and lacrosse teams and continues to maintain an active presence on campus. Kate also volunteers for the Rutgers Board of Directors, the Morgan Stanley Wealth Management Diversity and Inclusion Council, the Bradley Beach Business and Community Association, and serves as an At Large Board Member for the Association of Professional Investment Consultants.

Growing up in South Orange, Kate now calls Bradley Beach her home. A recent personal accomplishment was becoming a naturalized citizen of Ireland in 2019. She now looks forward to visiting relatives in County Donegal and playing golf in County Kerry with her EU passport in hand.

Forbes Best-In- State Wealth Advisors
Source: Forbes.com (Awarded (2018,2019,2021, 2022, 2023, 2024). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
Forbes America's Top Women Wealth Advisors & Forbes Top Women Wealth Advisors Best-In- State (formerly referred to as Forbes Top Women Wealth Advisors, Forbes America's Top Women Wealth Advisors)
Source: Forbes.com (Awarded (2018,2019,2020,2021, 2022, 2023, 2024). Data compiled by SHOOK Research LLC based on 12-month time period concluding in Sept of year prior to the issuance of the award.

Derek McGee is an Executive Director, Financial Advisor and Portfolio Management Director with Four Points Group at Morgan Stanley. As the chief investment officer of the team, Derek combines 20+ years of experience, fresh insight and a deep understanding of each client’s goals to construct, implement, and monitor personalized investment strategies.

All of the core members of Four Points Group focus on a specific area of financial well-being and Derek’s focus is on the day-to-day investment management. By keeping his finger on the pulse of the markets, Derek can proactively make recommendations and adjustments based on the ever-changing investment landscape.

Derek has been recognized for his distinguished career multiple times, including being named to Forbes "Best-in-State Wealth Advisors" list (2021-2024), "Next Gen Best in State Advisors" (2019) and "America's Top Next Generation Wealth Advisors" (2017 and 2018). Prior to joining Four Points Group, then The Berkheimer Group in 2006, he was Regional Sales Director for Smith Barney’s Consulting Group. During that time, Derek advised high net worth individuals and institutions on asset allocation, manager selection and investment policy.

Active in the local community, Derek is on the Board for the Rotary Club of Carroll Creek and past President of Downtown Frederick Partnership. He’s also a 2014 graduate of Leadership Frederick. Derek earned a degree in financial management from The Catholic University of America, where he was the school’s starting quarterback all four years. He and his wife, Cheryl, really enjoy the Frederick community, where they live with their three children.

2021-2024 Forbes Best-In-State Wealth Advisors
Source: Forbes.com (Awarded (2021-2024). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.

​2017-2019 Forbes America’s Top Next-Gen Wealth Advisors & Top Next-Gen Wealth Advisors Best-in-State(formerly referred to as Forbes America's Top Next-Gen Wealth Advisors, Forbes Top 1,000 Next-Gen Wealth Advisors, Forbes Top 500 Next Generation Wealth Advisors)
Source: Forbes.com (Awarded 2017-2019). Data compiled by SHOOK Research LLC based on 12-month period concluding in Mar of the year the award was issued.

Sid Huguenin is an Executive Director and Financial Advisor with Four Points Group at Morgan Stanley. Sid’s areas of focus within the team are financial planning and big-picture strategies for high net worth and ultra high net worth clients.

With over 17 years of experience in the financial services industry, Sid provides sophisticated solutions to complex issues. For instance, Sid is highly experienced in working with families to discuss multi-generation wealth transfer and Next Gen education. He’s been named to Forbes "Best-in-State Wealth Advisors" for 2023 and 2024, Forbes "Next Gen Best in State Advisors" list in 2019 and made their Top Ten list in 2022. Sid was also recognized by Forbes on their "America's Top Next Generation Wealth Advisors" list for 2018.

Sid came to Morgan Stanley in 2008 and joined Four Points Group a few years later. His career in financial services began in 2005 as an accountant with Hertzbach & Company, where he acquired skills in tax planning, business valuation and financial modeling.* He then worked as an investment banking analyst at Ferris, Baker Watts where he assisted in several mergers, acquisitions, and capital raises for both private and publicly traded companies.

Sid graduated from Johns Hopkins University in 2005 with a major in Economics and a minor in Entrepreneurship & Management. He serves on the Alumni Council at Saint James School where he teaches seniors important lessons on financial literacy and wellness to help prepare them for the real world.

In his free time, Sid enjoys golf, basketball, and spending time with his family. He lives in Hagerstown, Maryland along with his wife, Lauren, and their son and daughter.


* Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters



​2018, 2019, 2022 Forbes America’s Top Next-Gen Wealth Advisors & Top Next-Gen Wealth Advisors Best-in-State(formerly referred to as Forbes America's Top Next-Gen Wealth Advisors, Forbes Top 1,000 Next-Gen Wealth Advisors, Forbes Top 500 Next Generation Wealth Advisors)
Source: Forbes.com (Awarded 2018, 2019, 2022). Data compiled by SHOOK Research LLC based on 12-month period concluding in Mar of the year the award was issued.
2023, 2024 Forbes Best-In-State Wealth Advisors
Source: Forbes.com (Awarded 2023, 2024). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.

Michael Larkin is a Financial Advisor with Four Points Group at Morgan Stanley. He has 18 years as a registered Financial Advisor and 8 years holding the designation of Certified Financial Planner. Michael’s areas of focus with the team are client engagement, financial planning and providing a diverse range of investment solutions for business owners.

After Graduating from West Virginia University, Michael began his career in finance as a Lending and Credit analyst for Wells Fargo. Next, he established his career as a Financial Advisor when he joined Morgan Stanley in the Spring of 2005. In 2015, Michael graduated from Boston University’s financial planning program and then went on to earn his CFP^® designation shortly after.

Michael prides himself on having an intimate understanding of his clients on a personal, and financial level. His goal is to make very complex financial situations and concepts understandable, so clients have a sense of control in their financial future. All client relationships start with a financial plan, so the decision-making process is comprehensive, as well as collaborative. Michael specializes in investment management, estate and retirement planning, business solutions as well as providing tax efficient client strategies.

Michael is a resident of New Market, MD. He resides there with his wife, Gina and his daughter, Vivienne. He is board member of Celebrate Frederick and is passionate about the Frederick community.

Meagan Riordan is an Assistant Vice President and Financial Advisor with Four Points Group at Morgan Stanley in Washington, DC. She brings with her a fresh and multigenerational perspective to the families we serve. An early aptitude for analytics led her to pursue a Bachelor of Science in Economics and Mathematics at the George Washington University. She decided to call DC her home and joined Morgan Stanley in 2014, later furthering her educational pursuits by earning a Master of Science in Finance from her alma mater. Her proactive nature and passion for problem-solving enables families and institutions to help reach financial success. Since 2021, Meagan has been named to the firm’s prestigious Pacesetter’s Club, the firms global recognition program for Financial Advisors who, within their first five years, demonstrate the highest professional standards and first-class client service.

Committed to Morgan Stanley’s culture and initiatives, Meagan is an active participant in her Market’s Diversity & Inclusion Council and a co-leader of Morgan Stanley’s DC/Annapolis Women in Wealth Chapter, an organization dedicated to empowering and supporting women. Meagan was recently selected for membership in both the Association of Professional Investment Consultants (APIC) and Portfolio Management Institute (PMI), where she collaborates with fellow Morgan Stanley Financial Advisors on best practices.

Brad Ciucci is a Vice President of Wealth Management and Financial Advisor. He has over 16 years of experience managing retail and institutional investments, and has been with Morgan Stanley since July of 2009.

After graduating from Pennsylvania State University, Brad started a career in investment management and personal finance. He began his career with Smith Barney in 2006 and moved to Morgan Stanley in 2009 during their merger and has been helping high net worth families manage their wealth ever since.

Brad believes that a properly defined investment time horizon, and appropriate asset allocation, are the keys to long term investment success.

Brad focuses on helping his clients answer essential questions on retirement planning, education planning, transferring wealth to the next generation, and promoting charitable giving through estate planning strategies. He strives to provide each client with a highly customized investment plan to help ensure they can both enjoy their wealth and remain financially independent for years to come. To ensure clients are comfortable with his approach, Brad takes the necessary time to educate and explain their program’s details.

Brad was born and raised in Pennsylvania. He received his B.A. at Pennsylvania State University. He is married and the father of two children. In his free time, he enjoys playing and watching sports, traveling with his family, and enjoying other outdoor activities.

Regis Larkin is a Senior Vice President, Financial Advisor with Four Points Group at Morgan Stanley. He’s been registered for nearly forty years, spending over half of that time with Morgan Stanley. His areas of concentration are helping small businesses with wealth management and business transitions. He also focuses in advising busy professionals, retirees, and charities.

A lifelong resident of Western Maryland, Regis graduated from Frostburg State University and then entered the USAF Officer Training School. After active duty, he continued to fly C-130 Aircraft in the USAF Reserve and the WV Air National Guard. Regis balanced a busy career while raising four children who now live in Oakland CA, Golden CO, Fort Lauderdale FL and New Market, MD.
Regis enjoys the challenges of a dynamic investment services field and helping clients achieve their investment goals. He prides himself on understanding their unique circumstances in order to collaborate on the appropriate path to help achieve those goals. Regis focus is in asset management, estate and retirement planning strategies, business solutions, wealth conservation as well as providing tax efficient client strategies.

Regis resides in Washington County MD with his wife Bobbi and their two dogs. He’s a big believer in giving back and has served on many boards including the Western Maryland Health System, Family Crisis Resource Center, Western MD Rails to Trails Commission, past president of the CACIF Foundation and the Cumberland Rotary club. In his spare time, he enjoys bicycling, gardening, and golf.

Mike McCormick is a Financial Advisor with Four Points Group at Morgan Stanley. From the largest task to the smallest request, Mike works diligently to exceed client expectations. His core responsibilities focus on advising clients through the creation of custom, personalized financial plans. Mike also assists with the day-to-day investment management and oversight for the team. Mike receives great satisfaction knowing he is helping clients achieve their personal and professional financial goals.

Growing up in a large Irish family, Mike learned two important lessons from his hard-working parents: never take anything for granted and help others whenever and wherever you can. Both his father, a retired New Jersey State trooper, and his mother, a retired school nurse, also taught him that education is the nourishment needed to fuel a successful career. This lesson inspired Mike to attend Rutgers University, where he earned a degree in Finance and a concentration in Entrepreneurship.

During his junior year at Rutgers, Mike took an internship at The Sweeney Group at Morgan Stanley, where he saw first-hand the impact of sound financial guidance. This experience strengthened Mike’s decision to pursue a profession that offers the opportunity to have a profound impact on the quality of someone’s life. He joined the team full-time upon his graduation in 2018 and has been a vital member ever since.

A native of Stewartsville, NJ, Mike is an Eagle Scout, a member of the Rutgers Delta Upsilon Alumni Board, and an active volunteer within the community. An avid golfer himself, Mike enjoys getting out on the links whenever he can. Outside of work, he also enjoys hiking, fishing, traveling, and cooking.

Beth Mason is Chief of Staff with over 15 years of experience managing the operational, trading, and client service functions for high net worth clients. Beth is responsible for the execution of our client service model as well as the operation and administration of the group’s practice. She is committed to providing first-class client service with a personal touch.

A Frederick native, Beth resides here with her family and actively volunteers in the non-profit community. She earned her MBA from Mount St. Mary’s University.

Finny Dorsch is a Financial Planning Analyst with Four Points Group at Morgan Stanley. With 7 years of experience in the Wealth Management industry, Finny interfaces with clients and all members of the team to provide artfully tailored financial plans, advice, and excellent client service.

Before joining Four Points Group, he started his career at T. Rowe Price working as a client relationship coordinator for high-net worth clients. In 2021, Finny joined Morgan Stanley’s Baltimore office as a Financial Planning Desk Associate and earned his CFP^® designation shortly after. In 2024, he earned the Retirement Management Advisor certification, equipping him with specialized knowledge and strategies for guiding clients who are in or near retirement.

Finny graduated from Washington College in 2018 where he obtained a degree in Business Management. True to his name, Finny was an avid swimmer since childhood and swam on his college team. In his free time, Finny loves to cook, golf, and spend time with his wife and dog in Lutherville, Maryland.

Disclosure: This role cannot solicit or provide investment advice.

Kimberly Bishop is a Portfolio Associate with Four Points Group at Morgan Stanley. Working closely with the team's clients, Kimberly focuses on meeting the day-to-day needs of clients and assisting them with any questions or concerns. She is always prepared to go the extra mile to ensure that every client is valued and heard.

Kimberly began her career in customer service with Legg Mason, where she was a client service associate for three years. In that role, Kimberly focused on addressing client inquiries and assisting them in resolving issues. Kimberly joined Morgan Stanley in 2014.

Outside the office, Kimberly enjoys spending time with her daughter.

Debbie Frey is a Portfolio Associate with Four Points Group. With over 18 years of industry experience in various operational and management positions, Debbie started her career with Parker/Hunter, Inc. and most recently worked for a private wealth management firm.  She joined Morgan Stanley in 2018. 

Debbie's main focus has always been on providing exceptional client service, and she continues to do so as a member of our team.  She enjoys going above and beyond, aiming to make life easy for clients.  

Debbie and her husband are empty nesters with both of their kids in college.

Taylor is a Registered Client Service Associate with Four Points Group at Morgan Stanley. She began her journey with the team in 2022. Taylor enjoys building relationships with clients and providing a boutique-style servicing approach to ensure every client receives a tailored experience.

Taylor is a graduate of Coppin State University in Baltimore, MD where she played softball. She holds an MBA in Business Management and is always looking for a new challenge. As a self-proclaimed foodie, you can find her on the weekends at brunch with friends or trying out a new workout class.

Kirstin Lynch-Oldani is a Client Service Associate with Four Points Group at Morgan Stanley. With 8 years of experience in the Consumer and Business Banking, Kirstin started her career in the finance industry at Wells Fargo in 2017. She eventually transitioned to Bank of America in 2021 as a Relationship Banker and through hard work and experience, she gradually progressed to a Senior Banker role. Kirstin joined Morgan Stanley in February 2025 to gain first-hand experience in understanding the ever-changing investment landscape and its impacts to clients’ lives.

As a new mom, Kirstin enjoys creating core memories with her little family. She also likes baking sourdough breads and cooking.