Fox, Penberthy & Dehn at Morgan Stanley

Albert Fox, Managing Director and Financial Advisor, began his investment career in 1994 after earning his Bachelor's degree in Accounting and Finance from Rutgers University. As co-managing partner of Fox, Penberthy & Dehn at Morgan Stanley, his primary responsibilities include client relationships, investment strategies, liability management, coordinating with accountants, estate attorneys and other professionals to help shape clients' full financial lives. He also oversees the team's operational, marketing and strategic planning.

Albert holds the Certified Financial Planner™ designation, awarded by the Certified Financial Planner™ Board of Standards, Inc., and the Certified Investment Management Analyst SM (CIMA^®) designation from the Wharton School of the University of Pennsylvania. Prior to joining Morgan Stanley, Albert spent 20 years with Merrill Lynch, where he designed curriculum and taught other Merrill Lynch Financial Advisors advanced techniques. He continues to speak at various industry forums and events as well as conduct educational seminars for individuals, families, and businesses.

Albert is very involved in the local community. He currently serves on the board and executive committee of the Greater Philadelphia YMCA and the Advisory Board of The Satell Institute. He is engaged with the Dean’s Leadership Council at his alma mater, Rutgers University, and the development committee at Moorestown Friends School, where his children attended since kindergarten. In 2021, Albert joined the Office of Attorney Ethics-New Jersey Burlington County committee. Most recently and for the seventh year in a row, since the inaugural list in 2018, Albert has been highly ranked on the Forbes Best-In-State Wealth Advisors list.*

In college and high school, Albert competed as a power lifter and was named an All-American and two-time Junior National Champion. He continues to enjoy sports as an active golfer and Phillies fan, with other passions including food, wine, travel, and theater. Al and his wife, Nikki, live in Moorestown, New Jersey, but also cherish their time on the New Jersey shore, where their young adult children, twins Zachary and Jackson and daughter Alissa, return to visit often.

Disclaimers:
Certified Financial Planner Board of Standards, Inc. (CFP Board) owns the certification marks CFP^®, CERTIFIED FINANCIAL PLANNER™, and CFP^® (with plaque design) in the United States, which it authorizes use of by individuals who successfully complete CFP Board’s initial and ongoing certification requirements.

*Forbes Best-In- State Wealth Advisors
Source: Forbes.com (2018-2024). Forbes Best-In- State Wealth Advisors ranking awarded from 2018-2024. Each ranking was based on an evaluation process conducted by SHOOK Research LLC (the research company) in partnership with Forbes (the publisher).

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

As co-managing director of Fox, Penberthy & Dehn at Morgan Stanley, Ed brings more than 26 years of experience to the practice. He leads the team's investment committee, overseeing strategic and tactical asset allocation as well as the group's customized portfolios. Ed focuses on managing client relationships, estate planning strategies and retirement services, three core areas of knowledge honed over the course of two decades with Merrill Lynch and over 8 years with Morgan Stanley. Ed is also integral in determining the team's strategic business planning initiatives.

A graduate of Lehigh University with a bachelor's degree in economics, Ed is a Certified Financial Planner (CFP), a designation awarded by the Certified Financial Planner Board of Standards. He also holds the Certified Management Analyst (CIMA) designation from the Wharton School at the University of Pennsylvania. For the seventh year in a row, since the inaugural list in 2018, Ed has been highly ranked on the Forbes Best-In-State Wealth Advisors list.

Ed is very active in his community. He is a founder of America's Disaster Reaction Team, a nonprofit group dedicated to assisting areas impacted by natural disasters by providing disaster management services and on-site rescue operations. Locally, Ed is a member and former president of Mimosa Lakes Association, a community association for homeowners in his area, and is actively involved with the Medford Youth Athletic Association (MYAA) as a coach and fundraiser.

Ed had the opportunity to play in international soccer tournaments throughout Europe, and in college he captained Lehigh University's rugby team to the league championship playoffs. Currently, he prefers activities of the gentler sort, including boating, fishing, golfing and skiing. His other hobbies include playing guitar, enjoying wine and traveling. Ed and his wife, Kate, reside in Medford, New Jersey, and have three children, Emma, Eddie and Tyson. Together, they enjoy spending time on the shores of Long Beach Island.

Disclaimers:
Certified Financial Planner Board of Standards, Inc. (CFP Board) owns the certification marks CFP^®, CERTIFIED FINANCIAL PLANNER™, and CFP^® (with plaque design) in the United States, which it authorizes use of by individuals who successfully complete CFP Board’s initial and ongoing certification requirements.

* Forbes Best-In- State Wealth Advisors
Source: Forbes.com (2018-2024). Forbes Best-In- State Wealth Advisors ranking awarded from 2018-2024. Each ranking was based on an evaluation process conducted by SHOOK Research LLC (the research company) in partnership with Forbes (the publisher).

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

After spending seven years in the corporate accounting department at a large, publicly traded company, Joe desired a more client-focused professional role. In 1999, he embarked on an investment career at Merrill Lynch, where he joined his current partners, Albert Fox and Ed Penberthy. He has been a vital member of the team ever since.

Joe’s primary role focuses on overseeing a number of core financial planning initiatives of the practice, as well as managing the team’s general business and strategic planning. He enjoys working directly with clients in the development of their overall financial plans, which often includes strategies related to tax efficiency, concentrated wealth and stock options, and insurance-based solutions. Joe is a member of the team’s investment committee, which involves regular discussions on overall investment strategy and implementation.

Prior to joining Morgan Stanley, Joe was a financial advisor at Merrill Lynch for 15 years. He is an honors graduate from Rutgers University, where he earned his bachelor’s degree in finance. In 2004, Joe earned his Certified Financial Planner TM (CFP^®) designation from the Certified Financial Planner Board of Standards. Joe participates in many community activities and involves his family whenever possible.

Since 2014, Joe and his two college-aged daughters, Allison and Lindsay, have been involved in supporting the annual Toys for Tots holiday drive. He and his wife Kathleen support various geriatric causes and have participated in the annual Alzheimer’s Walk in Burlington County, as well as volunteer at local adult and senior communities. Joe and his family currently reside in Burlington Township. Outside of the office, Joe enjoys spending time with his family, playing and watching sports, and relaxing at the Jersey shore during the summer months.

Disclaimers:
Certified Financial Planner Board of Standards, Inc. (CFP Board) owns the certification marks CFP^®, CERTIFIED FINANCIAL PLANNER™, and CFP^® (with plaque design) in the United States, which it authorizes use of by individuals who successfully complete CFP Board’s initial and ongoing certification requirements.

Erik V. Opczynski, Sr. is the Group Director and Assistant Vice President at Fox, Penberthy & Dehn at Morgan Stanley. He heads the group's trading desk, which is responsible for client equity, fixed income, options, and precious metals transactions. Erik has over a decade of experience trading individual client accounts and directing large scale investment model changes.
He is also charged with investment analytics, research, and coordinating portfolio changes with all Fox, Penberthy & Dehn business units. He frequently speaks with clients to address portfolio strategy and implementation questions.

Erik studied finance at Rutgers University-Camden, where he discovered his passion for analytics and the capital markets. Upon graduating with high honors in 2011, Erik joined Fox, Penberthy & Dehn as a financial planner before shifting to his current role in investment management. He holds his Series 7 and 66 licenses, as well as his New Jersey Life and Health Insurance licenses.

Erik and his wife Rachael reside in Merchantville, New Jersey. When they are not engaged in on-the-job training with three year old Erik Jr., the family enjoys restoring their 1930s home and attending services at Grace Episcopal Church. After Erik Sr’s father succumbed to ALS in 2009, Erik became an active supporter of the ALS Association of Greater Philadelphia, which seeks to promote awareness of and find a cure for Lou Gehrig's disease. Erik is an avid student of history and is a dedicated fan of the Toronto Blue Jays baseball team.

Linnea C. Iovanisci is a Wealth Management Associate at Fox, Penberthy & Dehn at Morgan Stanley. A results driven professional with more than 20 years of industry experience, she is committed to building strong client relationships. Linnea not only understands how to address each client's concerns, she knows how to anticipate them as well. Her industry knowledge and reliability help provide clients with confidence, as she works to find solutions to their financial challenges.

Linnea is often the first line of contact on a wide array of administrative and operational services. Her primary responsibilities include onboarding new clients; managing personal, business and cash management accounts; implementing estate and trust related planning; and executing trades, specifically account rebalancing and options trading. She has been a vital member of the team since 2010.

Linnea earned her bachelor's degree in business marketing from Stockton University. She began her financial services career at PaineWebber (now UBS), and over the years, she has had the opportunity to work for several financial organizations, including Wells Fargo and Merrill Lynch. She earned her Certified Financial PlannerTM (CFP") designation from the Certified Financial Planner Board of Standards in 2006 and has furthered her professional credentials by earning her Series 7 and 66 FINRA registrations and insurance licenses.

Originally from Franklinville, New Jersey, Linnea now lives in Williamstown with her husband, Joe, and their two sons, Joey and Evan. When not in the office, Linnea loves to travel. A lot of her vacations are scheduled around her husband’s marathons. He has run a marathon in every state and also several countries. Linnea also enjoys spending quality time with family and friends.

Disclaimer: This role cannot solicit or provide investment advice.

Melody B. Harris is a Wealth Management Associate at Fox, Penberthy & Dehn at Morgan Stanley. Drawing over 25 years of industry experience, she is committed to providing each client with the highest level of personal service and integrity. Her core responsibilities are essential to enabling the team to carry out its mission of helping financially successful families plan, invest and lead fulfilling lives. She maintains all client accounts and provides administrative and operational support to the team.

Melody began her career in financial services as a client associate in 1993. She later worked as a market data client trainer before becoming a senior registered client associate at Wells Fargo Advisors. Over the years, she worked with several financial advisory teams. She learned how to anticipate the changes and challenges of managing wealth and is fully prepared to assist clients as new circumstances arise. Melody holds her Series 7 and 66 licenses. She proudly joined Fox, Penberthy & Dehn in 2016.

Melody earned an Associates of Arts degree from Camden County College and continued on to take business courses at Rutgers University. Originally from the Main Line in Philadelphia, Melody currently lives in Cherry Hill, New Jersey, with her two daughters, Abby and Ellie. As a family, they enjoy volunteering for Cradles to Crayons in Conshohocken. In her free time, Melody enjoys walking, tennis, bicycling and watching a good movie.

Moira Katchuk is a Wealth Management Associate at Fox, Penberthy & Dehn at Morgan Stanley. An integral member of the team since 2008, Moira has significant experience in the financial field, including the areas of managed accounts, retirement accounts and banking. Her administrative responsibilities include opening and performing maintenance on accounts, processing deposits and withdrawals, and maintaining mandatory distribution requirements for all retirement accounts. With a direct and to-the-point approach, Moira pinpoints client needs effortlessly, then applies her skills in research and evaluation to identify and implement appropriate solutions.

A graduate of Arcadia University with a bachelor's degree in psychology and business, Moira excels in building and enhancing strong relationships with all clients the team serves. During her time at Arcadia, Moira also spent a semester abroad in County Galway, Ireland, which enabled her to study and explore her Irish heritage. Moira holds her Series 7 and 66 licenses.

Moira was raised in Philadelphia, PA. She currently lives in Cinnaminson, New Jersey, with her husband, Steve, and their two children, Madeline and Joey. When Moira’s not at the shore in the summer, she spends the majority of her free time involved in her children's sports, school organizations and town activities.

Mark W. Schuehler is a Financial Advisor Associate at Fox, Penberthy & Dehn at Morgan Stanley. He joined the team in 2015 after graduating magna cum laude from Stockton University with a bachelor's degree in finance. Mark's primary responsibilities focus on financial planning, income projections, and assisting clients with a path toward successful retirement. He uses his strong organizational skills in goal mapping and project management to create detailed plans for each client. He enjoys bringing simplicity to their lives by gathering all aspects of their wealth together into one comprehensive strategy

Mark learned firsthand the power of financial planning. Growing up in a household where money was tight, Mark understood the importance of setting goals and saving effectively. This experience inspired him to earn a degree in finance and pursue a profession that would help families gain the confidence and knowledge to make sound financial decisions. Mark earned his Certified Financial Planner TM (CFP^®) designation from the Certified Financial Planner Board of Standards. He also holds his Series 7 and 66 licenses as well as his Life and Health insurance licenses.

Outside of work, Mark is an active supporter of the Alzheimer's Association. He also enjoys summers at Long Beach Island, golfing with his father/friends, as well as spending time with his family. He is a big Philadelphia sports fan and enjoys reading about history. Mark currently resides in Audubon, NJ with his wife, Shelby, their children Carter and Hailey, and their dog, Harvey.

Disclaimer: This role cannot solicit or provide investment advice.

Alexander J. Vicente is a Client Service Associate at Fox, Penberthy & Dehn at Morgan Stanley. He supports the group’s investment research team by analyzing companies, mutual funds, exchange traded funds and other investment instruments. His love of numbers – coupled with an academic background in statistics – allows Alex to provide detailed breakdowns of corporate fundamentals, portfolio cost structures and asset class correlations.

Alex graduated with honors in 2018 from Rutgers University-Camden, where he studied Finance and Statistics. Prior to joining the team full-time in 2019, he completed an internship in Morgan Stanley’s financial analytics department.

Alex currently resides in Glendora, New Jersey. Alex is a big movie buff, plays golf when he has the opportunity, and enjoys volunteering at the Ronald McDonald House.

Daniel M. Ellert is a Wealth Management Associate at Fox, Penberthy & Dehn at Morgan Stanley. Dan joined the group in 2021, but is not new to the industry – he brings nearly a decade of investment experience with him. Dan earned his Bachelor’s degree in Energy, Business and Finance from The Pennsylvania State University, and specialized in research and business development for structured alternative investments at a boutique investment firm.

Dan’s core responsibilities at Fox, Penberthy & Dehn include financial planning, investment analytics, and client communication. He assists in detailed stochastic modeling and coordinating portfolio adjustments with the investments and operations teams. He holds his Series 7, 63, and 66 licenses, as well as the Chartered Financial Planner designation.

Originally from Montgomery County, PA, Dan and his wife Samantha currently reside in South Philadelphia with their son, Caleb, and mini bernedoodle, Ryder. As a lifelong sports fan, he enjoys cheering on local Philadelphia sports teams. When not in the office, Dan enjoys golfing, fishing, skiing, and spending time with family and friends.

Kody Ross is a Registered Client Service Associate at Fox, Penberthy & Dehn at Morgan Stanley. Kody’s role on the team is one that involves several capacities including but not limited to, financial planning and retirement analysis, researching tax law changes and developments, analyzing current economic data, and maintaining strong client relationships through his operational experience. A great team player, Kody is often involved in several different simultaneous projects from different business units.

A graduate of The Pennsylvania State University with a bachelor’s degree in Finance, Kody has had a strong interest in the markets and personal finance. Even at an early age, Kody developed a passion for numbers which ignited his desire to inform and assist others in communicating the importance of financial literacy. Prior to joining the team, he was an associate at a South Jersey accounting firm where he specialized in public and corporate tax reporting. His role at Fox, Penberthy, & Dehn has allowed him to utilize his prior accounting knowledge and apply it to financial planning and enhancing existing client relationships.

Originally from Deptford, NJ, Kody currently resides in Fishtown, Philadelphia. As a devoted Philadelphia sports fan, he enjoys cheering them on when time allows. When not in the office, Kody enjoys spending time with family, exploring new places, golfing with friends, and visiting the local beaches.

Angelina Carlucci is a Registered Client Service Associate at Fox, Penberthy, and Dehn at Morgan Stanley. She works with the group’s investment team, assisting with quantitative analytics and strategy research.

Angelina joined Fox, Penberthy & Dehn in 2022 after graduating with honors from Rutgers University-Camden. She was the Vice President of Finance for the Sigma Delta Tau sorority and participated in philanthropic events for groups such as Prevent Child Abuse America and Jewish Women International. She also studied emerging market economies and foreign capital markets in South Africa.

Angelina currently resides in Berlin, NJ. In her free time she enjoys traveling, contemporary fashion, attending fitness classes, and spending time with friends and family.

Danielle Hooven is a Registered Client Service Associate at Fox, Penberthy & Dehn at Morgan Stanley. With over 20 years of industry experience, her priority is to provide clients with superior and timely service. She believes success can only be reached by treating clients with the integrity and professionalism they deserve.

Danielle obtained a Bachelor of Science Degree from Rutgers University. She began her financial career specializing in annuities and insurance products, and then expanded her knowledge of securities and operations. She currently holds her FINRA Securities Series 6 and Series 7 licenses along with her Life and Health Insurance License. Danielle’s role with Fox, Penberthy & Dehn includes processing client requests, assisting with client onboarding, and cash management.

Danielle grew up in Cinnaminson, New Jersey and currently resides in Barrington with her two children, Kyler and Mya. For many years her life revolved around PTA and her children’s participation in various sports, gymnastics, and dance. Now that they are older, she enjoys exercising, going to the shore, and spending time with family and friends.

Matt Bichefsky is a Registered Client Service Associate at Fox, Penberthy, & Dehn Morgan Stanley. He is responsible for executing transfers, opening and maintaining accounts, and collaborating with clients and team members to create optimal solutions for incoming requests.

Matt earned his Bachelor of Science Degree from the University of Delaware in 2019 with a concentration in economics. His passion for finance inspired his decision to pursue roles where he can support others in optimizing and achieving their own financial wellness. Prior to joining the team, Matt was a Wealth Account Associate at a major bank where he was responsible for account maintenance and assisting clients with operational questions. Matt joined Fox, Penberthy & Dehn in 2024 and holds his Series 63, 65, and 7 licenses.

Originally from Bucks County, Matt currently resides in Bala Cynwyd, PA where he relentlessly roots on his hometown Philadelphia sports teams. When he is not at work or at a stadium watching Philly sports, Matt can be found at the Jersey Shore spending time on the beach with his family and friends.

Tanner Guynes is a Registered Client Service Associate at Fox, Penberthy, & Dehn. He began with the team as an intern and, after three seasons, successfully interviewed to join full-time. He transitioned to full-time mid-2024 after earning his Series 7 and 66 licenses. He works on our investment team in multiple capacities, including economic and securities research and analysis to enhance client portfolio construction and maintenance.

Prior to joining full-time, Tanner studied under Temple University’s Honor Program. He double majored in Finance and Financial Planning at their Fox School of Business. He is passionate about education and leaned into the finance space after discovering the lack of financial literacy among the general populace. Tanner hopes in this role he can better client lives through education, as well as service.

Tanner resides in Philadelphia. In his free time, he spends time with friends and family and enjoys fitness, reading, and travel.