Joe Muziani
Portfolio Associate
Phone:
(856) 222-4518(856) 222-4518
My Mission Statement
Help families and individuals reach their financial goals with personalized investment strategies to grow and protect their wealth while confidently navigate life’s financial challenges
My Story and Services
David has been helping clients achieve their financial goals for over 25 years and specializes in serving families at or near retirement. His disciplined approach includes the development of tailored wealth management solutions that maximize risk/reward potential by utilizing creative strategies and tactics. David enjoys helping clients simplify their financial lives, seeking to allow them to enjoy the wealth they have created and leave the legacy they desire.
David earned his degree in Economics from Millersville University in 1994. He began his financial services career with Delaware Investments that same year. In 1998, David began working directly with clients when he became a financial advisor with AG Edwards. It was here that David learned how his guidance could make a profound difference in the lives of his clients. David earned the prestigious Certified Financial Planner designation in 2001. In 2007 David joined Morgan Stanley.
Over the years, David has built a successful practice advising clients on how to better understand and manage their total financial picture.
Originally from Cherry Hill, NJ, David now lives in Mount Laurel with his wife, Evelyn, and their three children, Julia, Jessica, and Alexander. David is strongly committed to his Christian faith and is a member of Sovereign Grace Church in Marlton. Outside of the office, he enjoys reading, history, grilling and hosting family and friends, old and new. He enjoys nothing more than spending time with his family.
Securities Agent: CO, OR, IL, GA, IN, CA, MD, DE, CT, DC, VA, TX, PA, NY, NV, NJ, AZ, ME, SD, NC, FL, SC; General Securities Representative; Investment Advisor Representative; Managed Futures
CA Insurance License #: 0157548
CA Insurance License #: 0157548
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
My Process
As your dedicated wealth management advisor, my role is to tailor a personalized financial strategy which fits your needs. In my experience working with clients, I have developed a step-by-step approach to service:
1. Discovery Process
I take the time to fully understand you and your family. I consider all of your challenges, goals, and aspirations when building your financial picture.
2. Forming Your Strategy
Using your life goals as my compass, I create a risk-balanced strategy which maps a clear path to achieving your success.
3. Implementing Your Plan
I apply extensive research and analysis, and also utilize Morgan Stanley's full suite of resources, to ensure swift decisive action in all market scenarios.
4. Measuring Your Success
I check in with you to deliver metrics around your portfolio, and ultimately measure trajectory towards your goals. My ultimate mission is your success and well-being.
Planning Your Future
I will work with you to understand your priorities during these crucial years and implement a customized strategy for you. Whether it is planning for retirement, transitioning into retirement, or already managing your assets in retirement, I am equipped with the resources and the knowledge to help you accomplish your personal and financial goal.
Making the Most of Your Retirement Savings
Carefully managing distributions from your portfolio during retirement can help you save on taxes, leaving you more money to spend and enjoy.
Protecting Retirement Savings During Volatility
The unpredictability of financial markets can disrupt even the best-laid retirement plans. These five strategies may help investors stay on track.
When Should You Take Social Security?
Deciding when to claim Social Security can have a significant effect on your retirement income. Learn how to help maximize your benefits.
5 Mistakes to Avoid in Retirement
How you plan your finances in retirement may be just as important as the process of saving for retirement. Here are some key considerations.
Market Insights & Updates
The latest market insights, investment trends, and economic outlooks provide the knowledge you need to navigate today's financial landscape.
Thoughts on the Market
With perspectives on the forces shaping the market, join Mike Wilson, Chief Investment Officer and Chief US Equity Strategist for Morgan Stanley, as he and his colleagues discuss a variety of viewpoints regarding the latest trends in the financial marketplace.
4 Standout Investment Themes for 2025
What trends will shape the markets in 2025 and beyond? Morgan Stanley's experts break down the biggest opportunities and risks in investing, helping you stay ahead in a rapidly changing market.
Are You Prepared for Retired Life?
Your retirement has the potential to be the most fulfilling period of your life–but you need to have a plan for your time as well as your finances.
Modern Wealth Management Tools
Morgan Stanley's comprehensive suite of digital resources has carefully been designed to help enhance each aspect of your financial portfolio. Take time to learn about some of the many Modern Wealth Management resources that we offer to our clients.
Morgan Stanley Online
Morgan Stanley Online allows you to seamlessly and securely manage your investments and everyday finances in one place.
Total Wealth View
With this service, you can view all your assets and liabilities together – whether held at Morgan Stanley or elsewhere – in one place for a comprehensive overview of your assets.
Location
330 Fellowship Rd
Ste 400
Mount Laurel, NJ 08054
US
Direct:
(856) 222-4516(856) 222-4516
Meet My Team
About Joe Muziani
Joe was born and raised in South/Southwest Philadelphia. Joe began his career with Merrill Lynch on December 8, 1980. He started in Center City Philly, spending 8 years there. Joe left Philly in October 1988 to start Operations Manager training, then in May 1989, went to work for a 3-million-dollar producer, where he worked for the next 3 years.
In April 1992, Joe moved onto Somerset, NJ to take on a supervisory role. He was there until October 1993 when he was accepted into the Service Manager Program. In July 1995 became the Service Manager of the South Jersey Complex. He worked there until the end of 1999 and went on the do the same for the Princeton Complex. Joe spent 4 years there before moving to the Philadelphia Complex. In November 2005, Joe was promoted to Regional Client Relationship Manager for Pennsylvania, based in Wayne, PA. He was named Regional CRM of the year in 2007. His regional role ended in 2010, but Joe continued as CRM for the Delaware Main Line Complex and again with the Princeton Complex.
In September 2014, Joe retired from Merrill Lynch with just under 34 years of service to join Morgan Stanley. He has spent the last ten plus years assisting a number of teams. He has worked with David for eight- and one-half years. Joe recent earned the title of Portfolio Associate.
Joe met his wife Dawn while in Somerset, NJ. They have been married 30+ years and have three daughters: Amanda, Julia, and Jessica. They have four grandchildren (three girls/one boy) .
Joe volunteers his time at his local parish in Hamilton, NJ. He taught Religious Education to 2nd graders for 11 years. He is a member of their School Board and is also a Lector, Eucharistic Minister, and Altar Server. Joe is a 3rd Degree member of the Knights of Columbus.
When he is not with the grandkids, Joe is watching the Phillies/Eagles/Sixers/Flyers, cooking and listening to all kinds of music.
In April 1992, Joe moved onto Somerset, NJ to take on a supervisory role. He was there until October 1993 when he was accepted into the Service Manager Program. In July 1995 became the Service Manager of the South Jersey Complex. He worked there until the end of 1999 and went on the do the same for the Princeton Complex. Joe spent 4 years there before moving to the Philadelphia Complex. In November 2005, Joe was promoted to Regional Client Relationship Manager for Pennsylvania, based in Wayne, PA. He was named Regional CRM of the year in 2007. His regional role ended in 2010, but Joe continued as CRM for the Delaware Main Line Complex and again with the Princeton Complex.
In September 2014, Joe retired from Merrill Lynch with just under 34 years of service to join Morgan Stanley. He has spent the last ten plus years assisting a number of teams. He has worked with David for eight- and one-half years. Joe recent earned the title of Portfolio Associate.
Joe met his wife Dawn while in Somerset, NJ. They have been married 30+ years and have three daughters: Amanda, Julia, and Jessica. They have four grandchildren (three girls/one boy) .
Joe volunteers his time at his local parish in Hamilton, NJ. He taught Religious Education to 2nd graders for 11 years. He is a member of their School Board and is also a Lector, Eucharistic Minister, and Altar Server. Joe is a 3rd Degree member of the Knights of Columbus.
When he is not with the grandkids, Joe is watching the Phillies/Eagles/Sixers/Flyers, cooking and listening to all kinds of music.
Hear From My Clients
We've been with David Pratt for many years now, and as someone who is retired and in our 70's, we can honestly say he's trustworthy and professional. He understands where you are in life financially and adjusts his advice accordingly. He always takes the time to explain things clearly. David and his group are dedicated to their clients. Two qualities that mean a great deal to us is being a strong family man and a devoted Christian.
Jim & Pat
Verified ClientAugust 5, 2025
Dave has been our family's financial advisor for 20 years. My 97 year old mother and I have trusted his advice all these years in guiding each of us into our retirements. Dave and his team are highly responsive to any questions or concerns that we have and calls throughout the year to give us updates and check on mom. I have and will continue to refer him to friends without hesitation.
Ursula
Verified ClientAugust 11, 2025
David has been an invaluable fiscal advisory resource by skillfully planning & assisting with my wealth management program. His knowledge and past advice have been most appreciated by me. He understands the market and listens carefully to my input regarding my financial goals. I have highly recommended David to family & friends. His honesty and interpersonal skills complement his persona and have made me feel very comfortable under his guidance. I would highly recommend David to other clients.
Ralph
Verified ClientSeptember 8, 2025
I have trusted Dave as my financial advisor for well over a decade. He supported me to plan for my retirement and in managing my portfolio. I trust Dave’s investment advice and feel confident in my retirement with his guidance.
Doug
Verified ClientSeptember 10, 2025
David’s Mission Statement sums up perfectly our 20+ year experience with him. We started with organizing our finances & creating a plan for our retirement. Those years included job changes, economic ups & downs, eventual retirement & moving to South Carolina. David was with us for all of it. We respect him as a person and appreciate his professionalism and knowledge. Never too busy to answer questions & always explained everything in great detail. We are grateful to have met him 20+ years ago.
Phil & Marilyn
Verified ClientSeptember 22, 2025
Testimonial(s) solicited by Morgan Stanley and provided by current client(s) at the time of publication. No compensation of any kind was provided in exchange for the client testimonial(s) presented. Client testimonials may not be representative of the experience of other clients and are not a guarantee of future performance or success.
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CFP Board owns the marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the U.S., which it awards to individuals who successfully complete CFP Board's initial and ongoing certification requirements.
1Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
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 is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
5Morgan 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 or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
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.
CFP Board owns the marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque 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 | Morgan Stanley
1Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
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 is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
5Morgan 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 or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
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.
CFP Board owns the marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque 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.
Testimonial(s) solicited by Morgan Stanley and provided by current client(s) at the time of publication. No compensation of any kind was provided in exchange for the client testimonial(s) presented. Client testimonials may not be representative of the experience of other clients and are not a guarantee of future performance or success.
Awards Disclosures | Morgan Stanley
CRC 4665150 (8/2025)
