About Us

Our team is located in Vermont and we believe in the tradition of "Vermont Values and Vermont Professionalism." Vermont is known for its beauty and many products and industries, but what really distinguishes Vermont is the cultural balance between hard work and family. We can help you preserve this balance in times of complexity, volatility, and uncertainty.

As your Financial Advisors, we 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 we can help you to preserve and grow your wealth.
Services Include
  • Retirement Planning1
  • Sustainable Investing2
  • Trust Accounts3
  • 401(k) Rollovers
  • Asset Management4
  • Estate Planning Strategies5
  • Financial Planning6
  • Lending Products
  • Long Term Care Insurance7
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*

Experience

We have helped our clients preserve and grow their wealth and achieve their goals. Our highly credentialed and dedicated team of professionals can help in the following areas:


Retirement Income Planning
Portfolio Management
Asset Allocation
Personal Pension Plans
Education Planning
Asset Allocation
Insurance Analysis (Life, Long Term Care, Annuities)
Net Worth Analysis
Lending (Real Estate and Securities Based)
Asset Consolidation and Simplification
Collaboration with CPAs and Attorneys to create tax sensitive strategies

    Working With You

    Wealth Management Process

    DISCOVER
    Our relationship begins with a thorough understanding of your immediate needs, priorities and goals. We’ll discover details about your credit and basic finances and help you take precautions to maintain credit and preserve assets.

    CREATE
    We develop a tailored roadmap to begin to help you rebuild your wealth and achieve the outcomes you seek. We’ll identify the strategies to help you:
    • Plan for retirement
    • Provide healthcare protection for yourself and your children
    • Revise your estate plan

    ACT
    Next, we help you implement the strategies we formulate together, taking into account special circumstances, such as alimony, child support and tax consequences of selling large assets like your home.

    ADJUST
    Achieving your goals requires vigilance and flexibility. We help monitor your progress and make adjustments as life evolves, markets and tax laws shift and priorities change.

      Clients

      We provide indiviudalized and thorough wealth management to individuals, families, business owners, and institutions. The relationships we develop are personal and intergenerational.

      Our approach is the same for all of our clients: we work closely with them to help them articulate their goals for themselves, their families, their business, and their legacy.

        Location

        105 West View Rd
        5th Fl
        Colchester, VT 05446
        US
        Direct:
        (802) 652-6013(802) 652-6013
        Toll-Free:
        (800) 446-0193(800) 446-0193

        Meet KS Group

        About Me

        Ken joined Morgan Stanley in July 2000 after spending seven years as an Investment Broker with Moseley, Hallgarten, Estabrook & Weeden, and twelve years with First Albany Coproration.  Ken managed the First Albany Burlington Branch from 1988 untill 1993.  He has a B.A. and an M.B.A from Rutgers University.

        Ken has participated in many community fundraising efforts including the Flynn Theater Capital Campaign and is currently the chairman of the South Hero Community Library Board of Trustees.
        Ken is proud to be the father of his sosn Jesse and Oliver, and his daughter Abby.  He lives in South Hero,VT with his wife, Jenn.
        Securities Agent: VT, WA, TX, SC, PA, OR, NY, NM, NJ, NH, NC, MT, MO, MI, ME, MA, KY, KS, IL, ID, FL, CT, CO, CA; Managed Futures; General Securities Representative; BM/Supervisor; Investment Advisor Representative
        NMLS#: 188899

        About Me

        Matt joined Morgan Stanley in July 2000 after spending ten years as an Investment Advisor with First Albany Corporation. Prior to that he worked for the Shawmut Bank of Boston. He holds a B.S. degree in finance from the University of Vermont.

        Matt has been active in many community endeavors. On the volunteer side he has been involved recently with the King Street Youth Center as a tutor, the Trust and Investment Committee of Burlington’s First Church and previously with the Stern Center for Language and Learning and the Greater Burlington YMCA. On the sporting side, Matt is a former board member of the Burlington Tennis Club, director and coach for the Shelburne Soccer Club and assisted with coaching the CVU girls tennis team.He lives in Shelburne, Vermont with his wife Lori and has two grown daughters Cassie and AnnaClare.
        Securities Agent: VT, TX, SC, PA, NY, NM, NJ, NH, NC, MT, MO, MI, ME, MD, MA, KY, KS, IL, ID, FL, CT, CO, CA; General Securities Representative; Investment Advisor Representative
        NMLS#: 1364469

        About Me

        Since 2014, Andrea has been focusing on delivering financial planning and wealth management for her clients.  She began her career with AXA Advisors prior to joining The KS Group with Morgan Stanley in 2015.  Her areas of focus include:  financial planning, sustainable investing and working with millennials. Andrea currently holds her Series 7, 66 and Life, Health and Variable Annuity Licenses.

         

        Born and raised in Massachusetts, Andrea was a math major at Bates College.  She currently lives in Burlington, VT and is actively involved in the community through some networking organizations.  Away from the office, Andrea enjoys running, skiing and is a competitive sailor.
        Securities Agent: VT, TX, SC, PA, NY, NM, NJ, NH, NC, MT, MO, MI, ME, MA, KY, KS, IL, ID, FL, CT, CO, CA; General Securities Representative; Investment Advisor Representative
        NMLS#: 1460462

        About Me

        Lynn began her career at Moseley, Hallgarten, Estabrook & Weeden in 1975.  She became a Registered Sales Assistant in 1979. She worked for the Branch Manager and in 1988, the firm was purchased by First Albany Corporation where she continued to work until July 2000; when she, Matthew Smith and Kenneth C. Kowalewitz joined Smith Barney which is now known as Morgan Stanley.

        Lynn Tomko was born and raised in Burlington, VT.  She graduated from Burlington High School in 1972. She has 2 grown children, Michael and Melissa and 2 grandchildren, Aiden and Jonah.  She has resided in Essex Junction, VT for the last 40 years. When she is not working she enjoys staying at home, cooking and entertaining and spending time with her grandchildren.She works with the team of Kenneth Kowalewitz and Matthew Smith as a Senior Registered Associate.
        Investment and Market Perspectives

        On the Markets

        Retirement

        Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
        • 401(k) Rollovers
        • IRA Plans
        • Retirement Income Strategies
        • Retirement Plan Participants
        • Annuities
        The Simple Six-Step Retirement Checkup

        The Simple Six-Step Retirement Checkup

        Given market volatility in 2018, checking in on your retirement plan may be one of the wisest New Year’s resolutions you can make.

        Investing

        Working closely with you to guide your wealth and investments through the most challenging market cycles.
        • Asset Management
        • Wealth Planning
        • Traditional Investments
        • Alternative Investments
        • Impact Investing
        Five Smart Strategies to Use a Bonus or Raise

        Five Smart Strategies to Use a Bonus or Raise

        Have extra money coming in? Here are ways to put your money to work for you now, so you can reap the rewards down the road.

        Family

        Creating customized financial strategies for the challenges that today's families face.
        • Estate Planning Strategies
        • 529 Plans / Education Savings Planning
        • Long Term Care Insurance
        • Special Needs Planning
        • Trust Services
        Financial Transition: A Guide for Women

        Financial Transition: A Guide for Women

        Here's how to take control of your finances if a death or divorce leaves you holding the reins.

        Business Planning

        Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
        • Succession Planning
        • Business Planning
        • Retirement Plan Sponsors
        • Qualified Retirement Plans
        • Corporate Pension Funds
        6 Keys to Building a Startup

        6 Keys to Building a Startup

        Entrepreneurs share ideas and learnings from the experience of starting a company.

        Philanthropy

        Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
        • Endowments
        • Foundations
        • Donor Advised Funds
        • Impact Investing
        A New Roadmap for Mission Alignment

        A New Roadmap for Mission Alignment

        Non-profits, foundations and endowments need to ensure that their sources of capital are in sync with their stated goals.

        More from Morgan Stanley

        Consolidate Your Cash at a Competitive Rate

        Consolidate Your Cash at a Competitive Rate

        2.30% APY with Preferred Savings for New Money deposited through your eligible Morgan Stanley brokerage account. Contact me to learn more or click here. Terms apply.
        Learn more about Consolidate Your Cash at a Competitive Rate
        Morgan Stanley and Justin Rose: A Winning Team

        Morgan Stanley and Justin Rose: A Winning Team

        Morgan Stanley and our brand ambassador, PGA TOUR champion Justin Rose, share a set of core values and a common cause: giving books to children in need.
        Learn more about Morgan Stanley and Justin Rose: A Winning Team
        Your Financial World. On the Go.

        Your Financial World. On the Go.

        With the Morgan Stanley Mobile App, you’ll have the freedom to manage your investments and instantly access a suite of personal cash management tools.
        Learn more about Your Financial World. On the Go.
        Reserved | Living & Giving

        Reserved | Living & Giving

        Our complimentary program for eligible clients provides you and your family with access to exclusive offers and discounts from premium travel, automotive, health and wellness, and retail brands as well as curated insights from Morgan Stanley.
        Learn more about Reserved | Living & Giving
        Sign Up for eDelivery

        Sign Up for eDelivery

        With eDelivery, you’ll have easy access to statements, trade confirmations, general correspondence and much more.
        Learn more about Sign Up for eDelivery
        Access Morgan Stanley Online

        Access Morgan Stanley Online

        Morgan Stanley Online provides a comprehensive view of your assets and liabilities, projected income, breaking news, research and much more.
        Learn more about Access Morgan Stanley Online
        Ready to start a conversation? Contact KS Group today.
        Market Information Delayed 20 Minutes
        1Morgan 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 legal matters.

        2The returns on a portfolio consisting primarily of Environmental, Social and Governance (“ESG”) aware investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because ESG criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria.

        3Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and 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.

        4Morgan 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 legal matters.

        5Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and 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.

        6Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences.

        7Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.

        The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.

        Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link: https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.

        The securities/instruments, services, investments and investment strategies discussed in this material may not be suitable for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.

        Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.

        The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.

        *References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.


        CRC 2019752 10/2018