Kimberly Guidone
Private Banker
Matthew J. Baltera
Financial Advisor,
Portfolio Manager,
Workplace Advisor - Equity Compensation
Direct:
(317) 263-8772(317) 263-8772
My Mission Statement
Experience, intellectual capital and dedicated personal service to help you meet your life goals
My Story and Services
Matt is a Financial Advisor with Morgan Stanley, in the firm's Indianapolis, Indiana office. Matt believes the cornerstone of a successful client/advisor relationship is the mutual respect that develops over time, and he is deeply committed to helping his clients realize their long-term financial goals. Matt prides himself on providing a comprehensive, tailored approach to wealth management and concentrates in providing investment strategies, business exit planning, and estate planning strategies to business owners, corporate executives, and their families.
Matt employs the vast resources of Morgan Stanley, one of the largest financial services firms in the world, to bring the right experience and tailored financial solutions designed to help meet his clients' specific needs. He works diligently to meet his clients' expectations with exceptional customer service and the intention of being their wealth advisor for life.
Prior to joining Morgan Stanley in 2023, Matt spent 7 years as a Financial Advisor at Merrill Lynch and Raymond James. He received degrees in Finance and Accounting from Indiana University – Kelley School of Business in Bloomington.
Residing in Carmel, Matt is an alumni of Brebeuf Jesuit High School and Sigma Chi Fraternity. In his free time, Matt enjoys golf, fishing, and is an avid sports fan.
The Stapleton Fox Baltera Group at Morgan Stanley named Forbes Best-In-State Wealth Management Teams, 2025
Source: Forbes.com (Awarded Jan 2025) Data compiled by SHOOK Research LLC based for the period from 3/31/23–3/31/24. Awards Disclosures: https://www.morganstanley.com/disclosures/awards-disclosure/
Securities Agent: ND, LA, FL, WA, MO, MD, CA, NY, NV, MN, KY, HI, CO, AZ, PA, GA, AL, AK, WI, SC, OK, OH, DC, UT, TN, IN, PR, NC, MI, ME, VA, TX, OR, NH, NE, MS, MA, IL, IA; General Securities Representative; Investment Advisor Representative
NMLS#: 1599781
NMLS#: 1599781
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Investment Consulting Services for Institutional Investors
Institutions can align their faith with their finances, while potentially achieving market-rate returns.
For centuries, faith-based institutions have carefully integrated important religious tenets into the management of their financial assets. To achieve this goal in today’s complex world requires a consultant who has developed skills and collaborative processes to guide you and your investment committee on a journey of exploration and goal-setting. Morgan Stanley is a leader in faith-based investing, helping our clients build investment policies and programs that reflect their unique values and faith-oriented considerations including restriction screening, sustainable and impact investing as well as more proactive thematic exposure. Over time, we have built an intentional approach to understanding the unique financial and missional goals of your organization. Such a process must be supported by consulting professionals who will take the time to listen and have experience in building client-focused investment solutions that seek to generate both competitive financial returns, while also creating positive impact to support and amplify the mission of the organization. We recognize that there is no “one size fits all” approach to faith-based investing: that each client is unique. Our dynamic approach enables us to examine all pools of capital and provide the critical insights necessary to align your mission with your investment portfolio and generate positive impact. We also have the tools to measure results beyond financial performance, specifically how your investments are aligned with your unique set of impact objectives and making a real difference in the world.
Morgan Stanley Consulting Group combines the resources, scale and oversight of a leading, global financial services firm with the independence, objectivity and service capabilities of a boutique consulting firm. This powerful combination provides measurable benefits for the institutional clients we serve, including: foundations, endowments, non-profit organization assets, retirement accounts, pensions and 401(k) & 403(b) plans. We would welcome your call today to discuss how we might serve your organization.
For centuries, faith-based institutions have carefully integrated important religious tenets into the management of their financial assets. To achieve this goal in today’s complex world requires a consultant who has developed skills and collaborative processes to guide you and your investment committee on a journey of exploration and goal-setting. Morgan Stanley is a leader in faith-based investing, helping our clients build investment policies and programs that reflect their unique values and faith-oriented considerations including restriction screening, sustainable and impact investing as well as more proactive thematic exposure. Over time, we have built an intentional approach to understanding the unique financial and missional goals of your organization. Such a process must be supported by consulting professionals who will take the time to listen and have experience in building client-focused investment solutions that seek to generate both competitive financial returns, while also creating positive impact to support and amplify the mission of the organization. We recognize that there is no “one size fits all” approach to faith-based investing: that each client is unique. Our dynamic approach enables us to examine all pools of capital and provide the critical insights necessary to align your mission with your investment portfolio and generate positive impact. We also have the tools to measure results beyond financial performance, specifically how your investments are aligned with your unique set of impact objectives and making a real difference in the world.
Morgan Stanley Consulting Group combines the resources, scale and oversight of a leading, global financial services firm with the independence, objectivity and service capabilities of a boutique consulting firm. This powerful combination provides measurable benefits for the institutional clients we serve, including: foundations, endowments, non-profit organization assets, retirement accounts, pensions and 401(k) & 403(b) plans. We would welcome your call today to discuss how we might serve your organization.
Building Value from Values
How can people of faith navigate the complex issue of investing according to their deeply-held values?
View ArticleInvestment Policy Statement White Paper
View WhitepaperPhilanthropy Management Consulting
Planned giving and fundraising consulting services.
Private Banking
Private banking at Morgan Stanley is a comprehensive wealth management service designed to meet the financial need of clients. Private banking is designed to help clients grow and preserve their wealth over the long term. Below are some resources that can help you develop strategies to assist your financial needs. We have provided links to these materials and hope you will return often to learn more about the topics that impact your overall wealth.
Liquidity Access Line
Morgan Stanley's Liquidity Access Line (LAL) is a flexible financing solution that allows clients to access the value of their investment portfolios without the need to sell securities or other assets. The LAL offers clients a revolving line of credit, which can be used for a variety of purposes, including personal and business expenses, real estate purchases, or investment opportunities.
Learn More About LAL Here
Ultra-High Net Worth
As an Ultra-High Net Worth (UHNW) client, you may be eligible for customized lending solutions. UHNW clients can experience flexible, convenient and cost-effective borrowing options.
Learn More About UHNW Lending Solutions Here
CashPlus
CashPlus is a tool that allows you to have a modern alternative to banking. With CashPlus feel free to access your cash anytime and anywhere. It is an easy way to manage your account online.
Learn More and Enroll in CashPlus
Morgan Stanley Amex Cards
Morgan Stanley offers a range of American Express (Amex) cards to its clients, providing a variety of benefits and rewards. These cards are designed to meet the needs of Morgan Stanley clients, offering features such as cash back, travel rewards, and premium perks. With a variety of options to choose from, clients can select the card that best fits their needs and preferences.
Learn More About MS Amex Cards Here
Home Loans
Morgan Stanley, a leading financial services firm, provides home loans to customers looking to purchase a home or refinance a home. Experience the range of options that are available to you.
Learn More About Home Loans Here
Cash Management and Lending Brochure
At Morgan Stanley, we recognize that clients and their families have unique needs that require dedicated expertise and capabilities. Our cash management and lending solutions are designed to meet these unique needs.
Learn More HereEXECUTIVE COMPENSATION
Equity compensation can be one of the most valuable benefits offered by your company, but it’s important to understand how they work—and how they’re taxed. For example, one type of equity award may trigger certain federal taxes depending on the circumstances—federal ordinary income tax, the alternative minimum tax, and federal short- or long-term capital gains tax. Here’s what you need to know:
Executive Compensation Overview
Executives today are increasingly compensated with stock or stock options. A benefit of receiving stock or options is that they allow the employee to share in the growth of the company without making a current investment (by purchasing stock or exercising options). However, exercising stock options presents a number of difficult and sometimes divergent choices.
Concentrated Stock
If you have a concentrated stock position from an inheritance, employment stock grants or through building a position over time, you may want to seek to protect yourself against market declines by diversifying your holdings.
Read More
Incentive Stock Option (ISO) Basics
A stock option is not the same as a share of common stock. A stock option is a right to buy a set number of shares of the company’s common stock at a set price (the “exercise price”).
Non-qualified Stock Option (NSO) Basics
For tax purposes, employee stock options are classified as either Incentive Stock Options (ISOs) or Non-qualified Stock Options (NSOs). The primary difference between the two lies in their tax treatment.
Managing a Concentrated Stock Position
Ultra-high net worth individuals often end up holding large amounts of their wealth in the common shares of a single company. Whether acquired through equity-based compensation, inheritances or other avenues, these concentrated stock positions will often have generated a great deal of wealth for these investors. However, concentrated positions can also pose significant risks.
Read More
Jeff Holzbach - Equity Planner
Jeff Holzbach is a Vice President and Senior Equity Planner with Morgan Stanley at Work. He has 25 years of experience in equity and financial planning helping families understand and manage their equity awards. Jeff is a Certified Financial Planner and Certified Equity Professional.
Employer Stock Distributions and Net Unrealized Appreciation
If you hold employer stock in your 401(k) or
other employer-sponsored retirement plan, you
will need to make some important decisions
about the handling of this stock prior to changing
jobs or retiring.
other employer-sponsored retirement plan, you
will need to make some important decisions
about the handling of this stock prior to changing
jobs or retiring.
Location
111 Monument Circle
Suite 3100
Indianapolis, IN 46204
US
Direct:
(317) 263-8772(317) 263-8772
The Power of Partnerships
By partnering with experienced individuals across wealth disciplines, Morgan Stanley Financial Advisors can align specialized resources with your custom needs and deliver strategic guidance through the familiarity and trust of existing relationships
Mamta Shah
Trust Specialist
Lynn King
Family Office Resources Generalist
Carlos Cruz
Planning Associate
About Kimberly Guidone
Kimberly is a Private Banker serving Morgan Stanley Wealth Management offices in Indiana.
Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Kimberly began her career in financial services in 1996 and joined Morgan Stanley in 2016. Prior to joining the firm, she was a Wealth Management Banker at Merrill Lynch. She also served as an Investment Relationship Manager with Key Investment Services and a Financial Advisor at Thrivent Financial.
Kimberly is a graduate of Wright State University where she received a Bachelor of Arts degree in Psychology. Outside of the office, Kimberly spends time with her family enjoying hiking, camping, and other outdoor activities.
Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Kimberly began her career in financial services in 1996 and joined Morgan Stanley in 2016. Prior to joining the firm, she was a Wealth Management Banker at Merrill Lynch. She also served as an Investment Relationship Manager with Key Investment Services and a Financial Advisor at Thrivent Financial.
Kimberly is a graduate of Wright State University where she received a Bachelor of Arts degree in Psychology. Outside of the office, Kimberly spends time with her family enjoying hiking, camping, and other outdoor activities.
NMLS#: 619678
About Mamta Shah
Mamta Shah is the Trust Specialist based in Chicago, covering the Midwest Region. Morgan Stanley provides a full array of personal and institutional trust services to high net worth clients of the firm. Mamta’s responsibilities include educating Financial Advisors and their clients on the open architecture trust service model and helping them identify opportunities to leverage the trust partners on the platform.
Before joining Trust Services in 2010, she was the Wealth Analyst with the Chicago based Wealth Planning Center at Morgan Stanley. Mamta was responsible for providing information and education on a full range of income and estate tax topics and concerns.
Prior to joining the Planning Center team in 2006, Mamta was Vice President of an Independent Investment Advisory Firm. She worked closely with the clients of the firm on a variety of financial planning and investment advisory services.
Mamta obtained her bachelor’s degree from Babson College with a major in Finance/Entrepreneurship. Mamta is a licensed CPA and holds a CFP® designation, She has been in the financial services industry since 1999. She is Series 7, 63, 65 and life/health insurance licensed. She is a member of the AICPA and the Illinois CPA Society. She lives in Chicago with her family.
Before joining Trust Services in 2010, she was the Wealth Analyst with the Chicago based Wealth Planning Center at Morgan Stanley. Mamta was responsible for providing information and education on a full range of income and estate tax topics and concerns.
Prior to joining the Planning Center team in 2006, Mamta was Vice President of an Independent Investment Advisory Firm. She worked closely with the clients of the firm on a variety of financial planning and investment advisory services.
Mamta obtained her bachelor’s degree from Babson College with a major in Finance/Entrepreneurship. Mamta is a licensed CPA and holds a CFP® designation, She has been in the financial services industry since 1999. She is Series 7, 63, 65 and life/health insurance licensed. She is a member of the AICPA and the Illinois CPA Society. She lives in Chicago with her family.
About Lynn King
Lynn R. King is a Family Office Resource Generalist for the Mid-America region. She has over 15 years of experience working with families, family offices, and their attorneys, CPAs and financial advisors on issues unique to the UHNW client. Lynn started her career as an attorney in Illinois working with closely held businesses across the country on a broad range of topics, including entity structuring, estate planning, business succession and tax. She then joined New York Life Insurance as a Corporate Vice President in their Advanced Planning Group. In this role she expanded on her experience from private practice and engaged with clients on complex business and personal planning needs.
Lynn joined Morgan Stanley in September of 2020. As the Family Office Resource Generalist, Lynn provides advice and strategies to UHNW families. To that end, she assists families with the creation of family mission statements. She also educates adults and children on how to be good stewards of generational wealth. She engages with resources in philanthropy, wealth and estate planning and trust management to ensure the UHNW clients of the Firm are able to accomplish their goals.
Lynn received her undergraduate degree in Finance and Political Science from the University of Illinois- Urbana-Champaign. She attended The John Marshall Law School in Chicago, Illinois where she obtained her Juris Doctorate (J.D.) and is licensed to practice law in Illinois. She also holds her Series 7 and 66.
Lynn joined Morgan Stanley in September of 2020. As the Family Office Resource Generalist, Lynn provides advice and strategies to UHNW families. To that end, she assists families with the creation of family mission statements. She also educates adults and children on how to be good stewards of generational wealth. She engages with resources in philanthropy, wealth and estate planning and trust management to ensure the UHNW clients of the Firm are able to accomplish their goals.
Lynn received her undergraduate degree in Finance and Political Science from the University of Illinois- Urbana-Champaign. She attended The John Marshall Law School in Chicago, Illinois where she obtained her Juris Doctorate (J.D.) and is licensed to practice law in Illinois. She also holds her Series 7 and 66.
About Carlos Cruz
Carlos Cruz is a Planning Associate at Morgan Stanley providing dedicated financial planning support to Financial Advisors and their teams. Operating as an extension of the FA/Team, he collaborates with clients to discover and define goals that matter most to them. Leveraging state of the art technology, he will evaluate various options and their potential outcomes to help clients confidently choose the appropriate course of action. Carlos provides expertise across a wide suite of Morgan Stanley planning tools designed to assist in the areas of investment accumulation, retirement, education, major purchase, cash flow, risk management, tax efficiency, and wealth transfer planning.
He earned his undergraduate degree from Florida International University and received the Financial Planning Specialist® designation from the College for Financial Planning. Carlos is originally from Miami, FL and currently resides in New York.
He earned his undergraduate degree from Florida International University and received the Financial Planning Specialist® designation from the College for Financial Planning. Carlos is originally from Miami, FL and currently resides in New York.
Wealth Management
Global Investment Office
Portfolio Insights
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
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
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
Are You Prepared for Tax Day?
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Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Financial Planning for Life After Selling a Business
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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
Donor Advised Funds: A Smart Way to Manage Your Giving
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Financial Wellness
Enhancing Financial Wellness enables your workforce to do their best work. Companies that invest in financial wellness have an opportunity to:
- Reduce employee stress,
- Improve retention and engagement, and
- Set themselves apart by offering comprehensive financial wellness benefits.
Ready to start a conversation? Contact Matthew J. Baltera today.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
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 appropriate 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”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
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.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
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 appropriate 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”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
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.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
CRC 6491812 (04/2024)
