Colin M. Rosenberg, CRPC®
Financial Advisor, Executive Director, Senior Portfolio Manager
Phone:
(412) 803-2103(412) 803-2103
The 412 Group at Morgan Stanley
Direct:
(412) 434-8500(412) 434-8500
Our Mission Statement
Your dedicated Financial Advisors, every step of the way.
Our Story and Services
We named our group to reflect how we feel about Pittsburgh. It’s home to us. We’re proud of the city in which we live and work. And we’re excited for what the future holds for our team and clients.
As you know, family is important to those of us living in our region. That’s why we treat our clients as if they’re extended family members. It’s a highly personalized approach that includes remembering your birthday or other milestones in your life. It means developing meaningful relationships that go beyond managing wealth. We’re often the first ones clients call when their family is dealing with a crisis. We’ve spent many evenings or weekends sitting at dining room tables guiding families through difficult situations.
This family-centric approach is also reflected in our investment style. We’ll manage your money in the same way we manage our own. We’re conservative; we don’t chase performance or trends. We believe in transparency; we’re upfront about fees and other important matters. We believe in simplicity; while the financial world is complex, we’ll discuss your portfolio in an easy-to-understand, jargon-free manner.
And we’ll regularly stay in touch by phone, email or video conference call—whichever you prefer. This includes during turbulent periods in the market when we feel it’s our responsibility to keep you informed about what’s going on, as well as ease any anxiety you may be feeling. Just like a family member would.
We invite you to learn more about our group, and look forward to meeting you.
Our Designations
Chartered Retirement Planning Counselor (CRPC®): This certification is awarded to experienced Financial Advisors who’ve completed rigorous training designed to enable them to create road maps to retirement for clients by focusing on their pre-and post-retirement needs, as well as issues related to asset management, estate planning, personal savings, income taxes, employer-sponsored retirement plans and cash flow. Having this additional education helps Financial Advisors develop the proper skill set to deal with the increasingly complex concerns regarding retirement planning.
Certified Exit Planning Advisor (CEPA®): Designed for Financial Advisors who work closely with owners of privately held companies, the CEPA® certification requires designees to complete an extensive program that involves roughly 100 hours of pre-course study, 30 hours of classroom instruction and the successful completion of a three-hour exam. Advisors with a CEPA® certification are knowledgeable about helping business owners align their business, personal and financial goals while building transferable value into their company.
Certified Financial Planner™ (CFP®): CFP® professionals are trained in more than 70 areas of financial knowledge, and must accrue thousands of hours of experience prior to earning their certification. Additionally, CFP® professionals are committed to always placing their clients’ interests first. Putting your entire financial life into a clear picture isn’t easy. CFP® professionals are skilled at doing this, including how to balance your short-term goals with your long-term objective of retirement security.
Our Awards
Colin Rosenberg
2018 - 2023: Forbes Best-In-State Wealth Advisors
2023: Forbes Best-In-State Wealth Management Teams Ranking
Marc McCarey
2024: Forbes Best-In-State Next-Gen Wealth Advisors List
2023: Forbes Best-In-State Wealth Management Teams Ranking
2019-2021: Five Star Wealth Advisor Award
2018-2023 Forbes Best-In-State Wealth Advisors
Source: Forbes.com (2018-2023). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
2023 Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded Jan 2023) Data compiled by SHOOK Research LLC based on time period from 3/31/21 – 3/31/22.
2024 Forbes Top Next-Gen Wealth Advisors Best-in-State
Source: Forbes.com (Awarded Aug 2024) Data compiled by SHOOK Research LLC based on time period from 12/31/22 – 12/31/23
2019-2021 Five Star Wealth Manager Award
Source: fivestarprofessional.com (Awarded 2019-2021) These awards were determined through an evaluation process conducted by Five Star Professional, based on objective criteria, during the following periods:
2021 Award - 09/07/20 - 04/23/21
2020 Award - 09/16/19 - 04/10/20
2019 Award - 09/17/18 - 04/12/19
https://www.morganstanley.com/disclosures/awards-disclosure.html
As you know, family is important to those of us living in our region. That’s why we treat our clients as if they’re extended family members. It’s a highly personalized approach that includes remembering your birthday or other milestones in your life. It means developing meaningful relationships that go beyond managing wealth. We’re often the first ones clients call when their family is dealing with a crisis. We’ve spent many evenings or weekends sitting at dining room tables guiding families through difficult situations.
This family-centric approach is also reflected in our investment style. We’ll manage your money in the same way we manage our own. We’re conservative; we don’t chase performance or trends. We believe in transparency; we’re upfront about fees and other important matters. We believe in simplicity; while the financial world is complex, we’ll discuss your portfolio in an easy-to-understand, jargon-free manner.
And we’ll regularly stay in touch by phone, email or video conference call—whichever you prefer. This includes during turbulent periods in the market when we feel it’s our responsibility to keep you informed about what’s going on, as well as ease any anxiety you may be feeling. Just like a family member would.
We invite you to learn more about our group, and look forward to meeting you.
Our Designations
Chartered Retirement Planning Counselor (CRPC®): This certification is awarded to experienced Financial Advisors who’ve completed rigorous training designed to enable them to create road maps to retirement for clients by focusing on their pre-and post-retirement needs, as well as issues related to asset management, estate planning, personal savings, income taxes, employer-sponsored retirement plans and cash flow. Having this additional education helps Financial Advisors develop the proper skill set to deal with the increasingly complex concerns regarding retirement planning.
Certified Exit Planning Advisor (CEPA®): Designed for Financial Advisors who work closely with owners of privately held companies, the CEPA® certification requires designees to complete an extensive program that involves roughly 100 hours of pre-course study, 30 hours of classroom instruction and the successful completion of a three-hour exam. Advisors with a CEPA® certification are knowledgeable about helping business owners align their business, personal and financial goals while building transferable value into their company.
Certified Financial Planner™ (CFP®): CFP® professionals are trained in more than 70 areas of financial knowledge, and must accrue thousands of hours of experience prior to earning their certification. Additionally, CFP® professionals are committed to always placing their clients’ interests first. Putting your entire financial life into a clear picture isn’t easy. CFP® professionals are skilled at doing this, including how to balance your short-term goals with your long-term objective of retirement security.
Our Awards
Colin Rosenberg
2018 - 2023: Forbes Best-In-State Wealth Advisors
2023: Forbes Best-In-State Wealth Management Teams Ranking
Marc McCarey
2024: Forbes Best-In-State Next-Gen Wealth Advisors List
2023: Forbes Best-In-State Wealth Management Teams Ranking
2019-2021: Five Star Wealth Advisor Award
2018-2023 Forbes Best-In-State Wealth Advisors
Source: Forbes.com (2018-2023). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
2023 Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded Jan 2023) Data compiled by SHOOK Research LLC based on time period from 3/31/21 – 3/31/22.
2024 Forbes Top Next-Gen Wealth Advisors Best-in-State
Source: Forbes.com (Awarded Aug 2024) Data compiled by SHOOK Research LLC based on time period from 12/31/22 – 12/31/23
2019-2021 Five Star Wealth Manager Award
Source: fivestarprofessional.com (Awarded 2019-2021) These awards were determined through an evaluation process conducted by Five Star Professional, based on objective criteria, during the following periods:
2021 Award - 09/07/20 - 04/23/21
2020 Award - 09/16/19 - 04/10/20
2019 Award - 09/17/18 - 04/12/19
https://www.morganstanley.com/disclosures/awards-disclosure.html
Services Include
- Wealth ManagementFootnote1
- 401(k) Rollovers
- Financial PlanningFootnote2
- Executive Financial ServicesFootnote3
- Estate Planning StrategiesFootnote4
- Trust AccountsFootnote5
- Corporate BondsFootnote6
- Municipal BondsFootnote7
- AnnuitiesFootnote8
- Cash Management and Lending ProductsFootnote9
- Alternative InvestmentsFootnote10
- Life InsuranceFootnote11
- Long-term Care InsuranceFootnote12
- Planning for Education FundingFootnote13
- UGMA/UTMAFootnote14
- Qualified Retirement PlansFootnote15
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
WORKING WITH YOU:
As your dedicated wealth management team, our role is to tailor a personalized financial strategy which fits your needs. In our experience working with clients, we have developed a step-by-step approach to service:
Discovery Process
We take the time to fully understand you and your family. Whether you're planning for retirement, purchasing a home, or living out your golden years – we consider all of your challenges, goals, and aspirations when building your financial picture.
Forming Your Strategy
Using your life goals as our compass, we create a risk-balanced strategy which maps a clear path to achieving your success.
Implementing Your Plan
We apply extensive research and analysis, and also utilize Morgan Stanley's full suite of resources, to ensure swift decisive action in all market scenarios.
Measuring Your Success
We check in with you to deliver metrics around your portfolio, and ultimately measure trajectory towards your goals. Our ultimate mission is your success and well-being.
Working With Your Advisors
We can consult with your other trusted advisors—such as your CPA or estate attorney—to better ensure all components of your financial life are working in harmony for you, while also streamlining communications between your advisors. If you don't have a CPA or estate attorney, we'll be happy to recommend professionals from our network.
CUSTOMIZED SOLUTIONS
As your wealth grows, so does its complexities and the resources needed to manage it effectively. We leverage our experience and relationships to deliver innovative strategies that are tailored to your needs. We look forward to speaking with you to understand your challenges, so we may map out a strategy to help achieve your particular priorities and goals.
Wealth Management
Wealth management brings all the dimensions of your life together. We listen carefully to understand the connections across your personal life, your family, your career, and your legacy goals to develop an integrated strategy that is uniquely yours.
Retirement Planning
The decisions you make about your workplace retirement plan can benefit you for years to come. I'll help you understand and put your resources to work, so you can plan, invest, and ultimately transition to retirement with confidence.
Financial Planning
The cornerstone of an effective wealth management plan is comprehensive financial planning, which captures your goals, resources and expectations for the future. Effective planning can potentially lead to successful education and retirement income funding. It helps eliminate blind spots, and helps ensure legacy goals are met.
Estate Planning Strategies
Working with your professional advisors, we can advise and assist with ensuring your savings is passed on to your desired heirs and charities.
Business Planning
Business owners retire, too. And the worst time to sell your business is when you're forced to sell it.
We'll develop a proactive exit strategy that makes sense for you, and potentially builds transferable value for your company. Even if you're not ready for succession planning, we can assist with other aspects of your business, including identifying opportunities for growth, minimizing your tax impact and establishing SIMPLE IRA or 401(k) plans to better enable you to attract and retain quality employees.
Additionally, many owners are so invested in the daily operations of their business they neglect their personal finances. We can structure a personal portfolio that aligns well with your business plan, while also taking care of your family for the future.
RESOURCES
Our comprehensive suite of digital tools are designed to help enhance every aspect of your financial life. Below are a few of the technologies we have to offer our clients. We have also included resources meant to transform complex financial analysis and research.
Morgan Stanley Online
Morgan Stanley Online allows you to seamlessly and securely manage your investments and everyday finances in one place.
Our Asset Aggregation Tool
View all your external financial accounts directly in Morgan Stanley Online or the mobile app. By linking your accounts, you'll benefit from more informed wealth planning, secure data access and convenient connectivity.
eDelivery
Sign up for eDelivery today and start receiving email notifications as soon as your account documents are available on Morgan Stanley Online or the Morgan Stanley Mobile App. It's quick, convenient & secure.
Digital Vault
Digital Vault lets you easily and securely manage and share important documents such as account statements, authorizations, tax filings and other relevant documents with your Financial Advisor.
Q2 2024
After careful consideration, we are excited to officially announce our new team name, The 412 Group at Morgan Stanley. "412" should be extremely familiar to all Pittsburghers, and to us, our new team name can be summed up in one word – home. We are proud of the city in which we live and work, and we are excited for what the future holds for our team and our clients. Onward and upward! As always,
Q3 2024
Greetings from Pittsburgh! As we write this message, we are doing so from 1 PPG Place. If this sounds familiar to you, it is not déjà vu. As you may recall, 1 PPG Place is our old address from the not-so-distant past. Oddly enough, our "old" address is now our "new" address (again). Roughly three years
Q4 2024
Greetings from Pittsburgh! Although the weather doesn't yet suggest it, we are now officially into Fall. As far as we are concerned, that means a few things: football, crisp mornings, and pumpkin-spice-everything.
Location
One Ppg Place
Ste 1300
Pittsburgh, PA 15222
US
Direct:
(412) 434-8500(412) 434-8500
Meet The 412 Group
Marc T. McCarey, CRPC®, CEPA®
Senior Vice President, Financial Advisor, Portfolio Management Director
Phone:
(412) 434-8557(412) 434-8557
Sarah A. Rigatti, CFP®
Assistant Vice President, Wealth Management Associate, FInancial Planning Specialist
Phone:
(412) 615-3556(412) 615-3556
Andrea Cipriani
Senior Registered Client Service Associate
Phone:
(412) 977-1626(412) 977-1626
About Colin M. Rosenberg
Colin serves as an Executive Director, Senior Portfolio Manager and Financial Advisor. A seasoned professional, Colin has over 30 years of experience in financial services, and holds a Chartered Planning Retirement Counselor (CRPC®) designation.
In 1994, Colin joined the wealth management industry as a Financial Advisor. When he founded his practice, his vision was to recruit and develop a versatile team of dedicated professionals who shared his belief in custom-tailored solutions and world-class service. In recognition for his consistent excellence, Colin has been honored with the Forbes Best-in-State Wealth Advisor award in 2018, 2019, 2020, 2021, 2022 and 2023.
Colin graduated from Franklin & Marshall College in Lancaster, PA. A native of Washington, PA, he currently resides in Shadyside, PA. Colin is a member of The Duquesne Club and Long Vue Country Club, and he enjoys golf, tennis, traveling and attending sporting events. His greatest joy comes from spending quality time with his wife, Jackie, and their three children, Jolie, Oliva and Reed.
Forbes Best-In-State Wealth Advisors (2018-2023)
Source: Forbes.com (Awarded 2018, 2019, 2020, 2021, 2022, 2023). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
Securities Agent: OH, OK, AL, AZ, CA, CO, CT, DC, DE, FL, GA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MO, MS, WV, WI, WA, VA, TX, TN, SC, PA, OR, NC, NJ, NM, NV, NY; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1297750
In 1994, Colin joined the wealth management industry as a Financial Advisor. When he founded his practice, his vision was to recruit and develop a versatile team of dedicated professionals who shared his belief in custom-tailored solutions and world-class service. In recognition for his consistent excellence, Colin has been honored with the Forbes Best-in-State Wealth Advisor award in 2018, 2019, 2020, 2021, 2022 and 2023.
Colin graduated from Franklin & Marshall College in Lancaster, PA. A native of Washington, PA, he currently resides in Shadyside, PA. Colin is a member of The Duquesne Club and Long Vue Country Club, and he enjoys golf, tennis, traveling and attending sporting events. His greatest joy comes from spending quality time with his wife, Jackie, and their three children, Jolie, Oliva and Reed.
Forbes Best-In-State Wealth Advisors (2018-2023)
Source: Forbes.com (Awarded 2018, 2019, 2020, 2021, 2022, 2023). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
Securities Agent: OH, OK, AL, AZ, CA, CO, CT, DC, DE, FL, GA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MO, MS, WV, WI, WA, VA, TX, TN, SC, PA, OR, NC, NJ, NM, NV, NY; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1297750
Securities Agent: MS, AZ, VA, TX, ME, IN, CO, NC, IL, OH, NY, NJ, AL, FL, CA, WV, MI, ID, GA, SC, NV, LA, CT, TN, MD, OK, KY, KS, PA, MA; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1297750
NMLS#: 1297750
About Marc T. McCarey
Marc is a First Vice President, Portfolio Management Director and Financial Advisor who began his career in the wealth management industry in 2010.
He focuses on holistic financial planning and has a deep understanding of the intricacies that comprise today’s investment landscape. This knowledge is evidenced within the customized asset accumulation and distribution strategies he develops and implements. A strong proponent of goals-based investing, Marc makes it a priority to learn about each of his clients’ unique needs, wants and wishes. Whenever possible, he’ll work closely with his clients’ accountants and attorneys to provide him with a more complete overview of their financial picture.
Marc holds a Certified Exit Planning Advisor (CEPA®) and a Chartered Retirement Planning Counselor (CRPC®) designation. As a CEPA® professional, he advises small business owners about important matters such as succession planning, while also addressing their personal wealth management needs. With his CRPC® certification, Marc is better prepared to deal with the increasingly complex concerns regarding retirement planning.
He's been honored multiple times, including being recipient of the 2024 Forbes Best-In-State Next-Gen Wealth Advisor Award, 2023 Forbes Best-In-State Team Award and 2019, 2020 and 2021 Five Star Wealth Advisor Award.
A Pittsburgh native, Marc graduated from the University of Pittsburgh’s College of Business Administration. He resides in Canonsburg, Pennsylvania with his wife, Shannon, and their children, Lyla and Cameron. Marc is an avid supporter of The American Society for the Prevention of Cruelty to Animals (ASPCA®), and volunteers as a coach for Special Olympics Pennsylvania.
2024 Forbes Top Next-Gen Wealth Advisors Best-in-State
Source: Forbes.com (Awarded Aug 2024) Data compiled by SHOOK Research LLC for the period 3/31/23 - 3/31/24.
2023 Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded Jan 2023) Data compiled by SHOOK Research LLC based on time period from 3/31/21-3/31/22.
2019-2021 Five Star Wealth Advisor Award
Source: Five Star Wealth Advisor Award. This award was issued in 2019-2021. The award was determined based on an evaluation process conducted by Five Star Professional based on objective criteria from: 2019 Award - 09/17/18 - 04/12/19 | 2020 Award - 09/16/19 - 04/10/20 | 2021 Award - 09/07/20 - 04/23/21.
Securities Agent: WV, WI, VA, TX, TN, PA, OR, OK, NY, NV, NM, NJ, NC, MS, MO, MI, ME, MD, MA, LA, KY, KS, IN, IL, ID, GA, OH, FL, DE, DC, SC, CT, CO, CA, WA, AZ, AL; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1312559
He focuses on holistic financial planning and has a deep understanding of the intricacies that comprise today’s investment landscape. This knowledge is evidenced within the customized asset accumulation and distribution strategies he develops and implements. A strong proponent of goals-based investing, Marc makes it a priority to learn about each of his clients’ unique needs, wants and wishes. Whenever possible, he’ll work closely with his clients’ accountants and attorneys to provide him with a more complete overview of their financial picture.
Marc holds a Certified Exit Planning Advisor (CEPA®) and a Chartered Retirement Planning Counselor (CRPC®) designation. As a CEPA® professional, he advises small business owners about important matters such as succession planning, while also addressing their personal wealth management needs. With his CRPC® certification, Marc is better prepared to deal with the increasingly complex concerns regarding retirement planning.
He's been honored multiple times, including being recipient of the 2024 Forbes Best-In-State Next-Gen Wealth Advisor Award, 2023 Forbes Best-In-State Team Award and 2019, 2020 and 2021 Five Star Wealth Advisor Award.
A Pittsburgh native, Marc graduated from the University of Pittsburgh’s College of Business Administration. He resides in Canonsburg, Pennsylvania with his wife, Shannon, and their children, Lyla and Cameron. Marc is an avid supporter of The American Society for the Prevention of Cruelty to Animals (ASPCA®), and volunteers as a coach for Special Olympics Pennsylvania.
2024 Forbes Top Next-Gen Wealth Advisors Best-in-State
Source: Forbes.com (Awarded Aug 2024) Data compiled by SHOOK Research LLC for the period 3/31/23 - 3/31/24.
2023 Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded Jan 2023) Data compiled by SHOOK Research LLC based on time period from 3/31/21-3/31/22.
2019-2021 Five Star Wealth Advisor Award
Source: Five Star Wealth Advisor Award. This award was issued in 2019-2021. The award was determined based on an evaluation process conducted by Five Star Professional based on objective criteria from: 2019 Award - 09/17/18 - 04/12/19 | 2020 Award - 09/16/19 - 04/10/20 | 2021 Award - 09/07/20 - 04/23/21.
Securities Agent: WV, WI, VA, TX, TN, PA, OR, OK, NY, NV, NM, NJ, NC, MS, MO, MI, ME, MD, MA, LA, KY, KS, IN, IL, ID, GA, OH, FL, DE, DC, SC, CT, CO, CA, WA, AZ, AL; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1312559
Securities Agent: AL, OH, OK, ME, IL, NJ, MI, KY, KS, WV, VA, TX, MD, IN, ID, FL, CT, NC, MS, GA, TN, SC, LA, AZ, NV, CA, PA, NY, MA, CO; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1312559
NMLS#: 1312559
About Sarah A. Rigatti
As a CERTIFIED FINANCIAL PLANNER™ professional, Sarah works in conjunction with the group’s Financial Advisors and investment team to develop and implement financial plans that help our clients achieve their unique goals, protect what’s meaningful to them and help them live their best possible lives.
With her extensive knowledge of Morgan Stanley’s vast planning resources and industry-leading capabilities, she delivers a process and experience that’s both holistic and custom-tailored for each client. Realizing that every client’s situation is different, Sarah develops a thorough understanding of their needs, aspirations, lifestyle and family to better help them navigate their journey and attain financial success.
Sarah began her career in financial services in 2015. Before joining the 412 Group in 2019, she served as a Registered Associate at J.P. Morgan.
Sarah graduated from Robert Morris University’s School of Business with a degree in Finance. She’s a native of Hudson, OH and currently resides in Collier Township, PA with her husband, Dave. In her spare time, Sarah enjoys golfing, outdoor activities and spending time with her family.
With her extensive knowledge of Morgan Stanley’s vast planning resources and industry-leading capabilities, she delivers a process and experience that’s both holistic and custom-tailored for each client. Realizing that every client’s situation is different, Sarah develops a thorough understanding of their needs, aspirations, lifestyle and family to better help them navigate their journey and attain financial success.
Sarah began her career in financial services in 2015. Before joining the 412 Group in 2019, she served as a Registered Associate at J.P. Morgan.
Sarah graduated from Robert Morris University’s School of Business with a degree in Finance. She’s a native of Hudson, OH and currently resides in Collier Township, PA with her husband, Dave. In her spare time, Sarah enjoys golfing, outdoor activities and spending time with her family.
About Andrea Cipriani
As a highly experienced Registered Client Service Associate, Andrea is committed to providing exceptional service to high net worth individuals and families. After working in the financial services industry for 18 years, she’s developed a deep understanding of the complexities of wealth management, and uses this experience to help clients navigate their financial journey.
In 2006, Andrea began her career with Wells Fargo Advisors in San Francisco, CA. She then joined Morgan Stanley in 2023.
Andrea received a Bachelor of Arts degree in Women’s Studies from Ohio Wesleyan University, and a Master of Arts degree in Women’s Studies from The Ohio State University.
After growing up in Columbus, OH, she moved to the San Francisco Bay Area. She lived there for 20 years before moving to Pittsburgh, PA. Andrea and her son, Charlie, reside in Mt. Lebanon, PA.
In her free time, Andrea enjoys baking, walking, reading and yoga. She’s also a board member of the Lebo Pride organization which hosts a family-friendly Pride celebration in Mt. Lebanon each summer.
In 2006, Andrea began her career with Wells Fargo Advisors in San Francisco, CA. She then joined Morgan Stanley in 2023.
Andrea received a Bachelor of Arts degree in Women’s Studies from Ohio Wesleyan University, and a Master of Arts degree in Women’s Studies from The Ohio State University.
After growing up in Columbus, OH, she moved to the San Francisco Bay Area. She lived there for 20 years before moving to Pittsburgh, PA. Andrea and her son, Charlie, reside in Mt. Lebanon, PA.
In her free time, Andrea enjoys baking, walking, reading and yoga. She’s also a board member of the Lebo Pride organization which hosts a family-friendly Pride celebration in Mt. Lebanon each summer.
Contact Colin M. Rosenberg
Contact Marc T. McCarey
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
Joshua Gilbert
Private Banker
About Tyson Abert
Tyson R. Abert is a Senior Private Banker serving Morgan Stanley Wealth Management offices in Wisconsin, Northern Ohio and Western Pennsylvania.
Senior 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.
Tyson began his career in financial services in 2004, and joined Morgan Stanley in 2018. Prior to joining the firm, he served as a Business Development Manager and a Senior Relationship Manager at Wells Fargo’s Commercial Banking Services.
Tyson is a graduate of Illinois State University where he received a Bachelor of Science degree in Finance and Accounting, and Lake Forest Graduate School of Management where he received a Master of Business Administration. He and his family currently reside right outside Milwaukee, Wisconsin. Outside of the office, Tyson enjoys golfing, hunting, boating, fishing, and spending time with his family.
Senior 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.
Tyson began his career in financial services in 2004, and joined Morgan Stanley in 2018. Prior to joining the firm, he served as a Business Development Manager and a Senior Relationship Manager at Wells Fargo’s Commercial Banking Services.
Tyson is a graduate of Illinois State University where he received a Bachelor of Science degree in Finance and Accounting, and Lake Forest Graduate School of Management where he received a Master of Business Administration. He and his family currently reside right outside Milwaukee, Wisconsin. Outside of the office, Tyson enjoys golfing, hunting, boating, fishing, and spending time with his family.
NMLS#: 362127
About Joshua Gilbert
Joshua Gilbert is a Private Banker serving Morgan Stanley’s Wealth Management offices in Ohio.
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.
Joshua began his career in financial services in 2001 and joined Morgan Stanley in 2018. Prior to joining the firm, he served as a Business Banking Client Manager at U.S. Bank. He also held numerous roles with progressive responsibilities at JPMorgan Chase Bank, where he notably served as a Branch Manager.
Joshua currently resides in Cincinnati, Ohio. Outside of the office, Joshua dedicates his time to various civic organizations focused on fostering the well-being of others, such as Lighthouse Youth & Family Services, and the Freestore Foodbank. In his spare time, Joshua enjoys traveling, hiking, skiing, and staying healthy and active.
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.
Joshua began his career in financial services in 2001 and joined Morgan Stanley in 2018. Prior to joining the firm, he served as a Business Banking Client Manager at U.S. Bank. He also held numerous roles with progressive responsibilities at JPMorgan Chase Bank, where he notably served as a Branch Manager.
Joshua currently resides in Cincinnati, Ohio. Outside of the office, Joshua dedicates his time to various civic organizations focused on fostering the well-being of others, such as Lighthouse Youth & Family Services, and the Freestore Foodbank. In his spare time, Joshua enjoys traveling, hiking, skiing, and staying healthy and active.
NMLS#: 427087
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
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
Article Image
Ready to start a conversation? Contact The 412 Group today.
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.
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan 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.
3Morgan 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.
4Morgan 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.
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.
6Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
7Municipal bonds may not be appropriate for all investors. Income generated from an investment in a municipal bond is generally exempt from federal income taxes. Some income may be subject to state and local taxes and to the federal alternative minimum tax. Capital gains, if any, are subject to tax.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) and its Financial Advisors and Private Wealth Advisors do not provide any tax/legal advice. Consult your own tax/legal advisor before making any tax or legal-related investment decisions.
8Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
9Morgan 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
10Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
11Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
12Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
13When 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 always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
14Morgan 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.
15When 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.
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
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan 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.
3Morgan 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.
4Morgan 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.
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.
6Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
7Municipal bonds may not be appropriate for all investors. Income generated from an investment in a municipal bond is generally exempt from federal income taxes. Some income may be subject to state and local taxes and to the federal alternative minimum tax. Capital gains, if any, are subject to tax.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) and its Financial Advisors and Private Wealth Advisors do not provide any tax/legal advice. Consult your own tax/legal advisor before making any tax or legal-related investment decisions.
8Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
9Morgan 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
10Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
11Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
12Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
13When 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 always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
14Morgan 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.
15When 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.
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
CRC 6491812 (04/2024)
