Alicia Andre, CFA
Executive Director, Wealth Management, Financial Advisor, Family Wealth Director
Phone:
(617) 570-9530(617) 570-9530
The Andre Pazdan Group at Morgan Stanley
Direct:
(617) 570-9530(617) 570-9530
Our Mission Statement
Experienced wealth planning services to help you and your family create, understand and maintain a comprehensive, long-term financial and investment strategy.
The Andre Pazdan Group
Most people understand the importance of making thoughtful, strategic financial decisions, but many things can get in the way – time pressures, business priorities, changing economic circumstances, even normal human emotions.
At the Andre Pazdan Group at Morgan Stanley, we work with seasoned, successful professionals in business, law, real estate and other fields to integrate their complex lives into a comprehensive, goal-based plan to help achieve their objectives.
Because our clients lead complicated lives, we work to keep things simple by presenting thoughtful advice, clear options and comprehensible analysis of results. We also understand Behavioral Finance and how it can help clients make logical choices, free of the counter-productive impact of emotions.
And because life is full of twists and turns, we use our experience and knowledge to provide the agility and foresight to adjust to changing circumstances. So as your life and business evolve, you stay on track across years, decades and generations.
At the Andre Pazdan Group at Morgan Stanley, we work with seasoned, successful professionals in business, law, real estate and other fields to integrate their complex lives into a comprehensive, goal-based plan to help achieve their objectives.
Because our clients lead complicated lives, we work to keep things simple by presenting thoughtful advice, clear options and comprehensible analysis of results. We also understand Behavioral Finance and how it can help clients make logical choices, free of the counter-productive impact of emotions.
And because life is full of twists and turns, we use our experience and knowledge to provide the agility and foresight to adjust to changing circumstances. So as your life and business evolve, you stay on track across years, decades and generations.
Services Include
- Wealth ManagementFootnote1
- Wealth Consulting
- Professional Portfolio ManagementFootnote2
- Retirement PlanningFootnote3
- Financial PlanningFootnote4
- Trust AccountsFootnote5
- Estate Planning StrategiesFootnote6
- Long Term Care InsuranceFootnote7
- 401(k) Rollovers
- Asset Management
- Executive Financial ServicesFootnote8
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Awards and Recognitions
Alicia Andre
Alicia Andre was recognized as a FIVE STAR Wealth Manager by Boston Magazine from 2015 -2025.
Lindsay Pazdan
Lindsay Pazdan was recognized as a FIVE STAR Wealth Manager by Boston Magazine from 2019-2025.
Boston Five Star Wealth Manager
Years Awarded: 2019, 2020, 2021, 2022, 2023, 2024, 2025
Boston Five Star Wealth Manager
Years Awarded: 2012, 2014, 2015, 2016, 2017, 2018, 2019, 2020, 2021, 2022, 2023, 2024, 2025
MODERN WEALTH MANAGEMENT TOOLS FOR OUR VALUED CLIENTS
We offer a comprehensive suite of tools to manage your wealth more effectively in today's busy world. We are happy to assist you in signing up for any of these services.
Morgan Stanley Online (MSO)
When you sign up for MSO, you can conveniently and securely manage your account online or on your mobile device.
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Morgan Stanley Mobile App
The Morgan Stanley Mobile App gives you the same capabilities as Morgan Stanley Online - all from the convenience of your own phone. It also offers features to simplify your everyday finances. These include mobile check deposit and Send Money with Zelle, a convenient way to send and receive money.
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E-Delivery
eDelivery provides you with the ability to view statements and other Firm documents electronically in lieu of paper. Clients who are registered in Morgan Stanley Online may enroll in eDelivery. Currently, documents available through eDelivery include statements, trade confirmations and prospectuses, general correspondence, selected Internal Revenue Service (IRS) approved tax documents, syndicate offerings, shareholder communications, and portfolio reports.
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Digital Vault
Keeping important documents and financial records organized and readily available is one of the best gifts you can give those you love. In the event of catastrophe or serious illness, disability or death, your Family Records Organizer can immediately provide vital, timely information to both your family and professional advisors. The Digital Vault on Morgan Stanley Online and the Mobile App allows you and your clients to build a central, shared document library where all documents are stored using encryption.
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Aladdin - Portfolio Risk Platform
You may monitor the risk/return dichotomy across all of your financial portfolios using the sophisticated risk analytics provided by Morgan Stanley's Portfolio Risk Platform. This useful tool enhances the accuracy of your financial status & may can help you increase your confidence when making wise financial decisions.
Click Here to Learn More“If you don’t control your emotions, your emotions will control your acts. And that’s not good” – Mariano Rivera
Why do people make poor investment decisions? Why do they ignore well-known concepts and advice?
Because they are human beings.
People make purchase decisions of all kinds in search of three types of benefits: utilitarian, expressive and emotional. Seeking a good return on an investment is a utilitarian benefit. But there are emotional and expressive ones as well.
The Wall Street Journal cited a survey of amateur investors which showed that 62% expected to outperform the overall market over the next 12 months.* Does that sound feasible? Not only do amateurs lack the information and time of professionals, they also tend to trade heavily, which studies show can suppress returns.
So why do it? One reason: it offers emotional benefits. It’s fun, even when you lose (you could enjoy batting against the great relief pitcher who we quote above, even if he strikes you out). And we like what it says about us.
Similar emotions may lead investors to make other foolish errors, like getting out of the market when it’s down, and getting back in when it goes up. There are countless other examples.
At the Andre Group, we are fascinated by this and other implications of the emerging field of Behavioral Finance. We believe it demonstrates the importance of working with a team of professionals, whose advice and discipline can help mitigate the negative effects of emotions.
Emotions are human. We all have them. But we should be aware of them and not let them drive our investment decisions.
*WSJ.com, “How your emotions get in the way of smart investing,” June 14, 2015
Because they are human beings.
People make purchase decisions of all kinds in search of three types of benefits: utilitarian, expressive and emotional. Seeking a good return on an investment is a utilitarian benefit. But there are emotional and expressive ones as well.
The Wall Street Journal cited a survey of amateur investors which showed that 62% expected to outperform the overall market over the next 12 months.* Does that sound feasible? Not only do amateurs lack the information and time of professionals, they also tend to trade heavily, which studies show can suppress returns.
So why do it? One reason: it offers emotional benefits. It’s fun, even when you lose (you could enjoy batting against the great relief pitcher who we quote above, even if he strikes you out). And we like what it says about us.
Similar emotions may lead investors to make other foolish errors, like getting out of the market when it’s down, and getting back in when it goes up. There are countless other examples.
At the Andre Group, we are fascinated by this and other implications of the emerging field of Behavioral Finance. We believe it demonstrates the importance of working with a team of professionals, whose advice and discipline can help mitigate the negative effects of emotions.
Emotions are human. We all have them. But we should be aware of them and not let them drive our investment decisions.
*WSJ.com, “How your emotions get in the way of smart investing,” June 14, 2015
OUR FIVE PRINCIPLES FOR EFFECTIVE INVESTING
Over the years, we have developed some guidelines we use when constructing investment portfolios. We believe these simple ideas help clients reach their goals.
1. Focus on Clearly Articulated Objectives
Every asset in a portfolio should be chosen for a specific reason, as part of an overall wealth management strategy.
2. Maintain a Consistent Long Term Asset Allocation
Asset allocation has a huge impact on portfolio performance. We rebalance portfolios consistently to maintain the proper asset allocation.
3. Balance Types of Equity Assets
There are times when a low-cost stock fund (either managed or ETF) is as good as, or better, than individual equities. We use both, and believe in both.
4. Keep it Simple
This is our approach to all wealth management, not just investing. We believe it enhances performance, and it’s better for our clients.
5. Minimize Negatives
A strong return is great, but not if it’s eaten up by fees and taxes. And why take risk if it’s not necessary to achieve an objective?
Planning For Your Family's Financial Needs
Intergenerational Wealth Planning
Highly-skilled accountants and estate attorneys are vital to constructing sound wealth-transfer plans, but sometimes it is the matters these experts cannot address that post the greatest challenges.
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Tax Management
The tax decisions you make today can help you save for years to come. There are many tax smart strategies for your financial plan.
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Trust & Estate Planning
We are with you every step of the way. We analyze your tax and estate structures so that their characteristics are accurately incorporated in the asset allocation analysis preformed for our clients.
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Philanthropic Planning
Your set of Philanthropic objectives is as personal as your vision of a better world. Determining your objectives, however, can be challenging when there are so many worth causes with so many unmet needs.
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Sustainable Investment Solutions
Morgan Stanley partners with clients and stakeholders to mobilize capital at scale for a sustainable, low-carbon economy. My goal is to deliver environmental, social and governance (ESG) solutions that reduce risk, enhance value and expand the frontiers of sustainable finance.
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Wealth Education
Financial Literacy means being empowered with the knowledge to make smart financial decisions during every stage of life. Discussing family finances is always important, but not always easy. Starting the conversation is a key step in long-term wealth planning.
Click here to learn moreLocation
28 State Street
Fl
Boston, MA 02109
US
Direct:
(617) 570-9530(617) 570-9530
Meet The Andre Pazdan Group
Senior Vice President, Wealth Management, Financial Advisor, CERTIFIED FINANCIAL PLANNER®, Senior Portfolio Management Director, Family Wealth Director
Phone:
(617) 570-9507(617) 570-9507
Stephanie Roszkowski, CFP®
Assistant Vice President, Wealth Management Associate, Registered Client Service Associate, CERTIFIED FINANCIAL PLANNER™
Phone:
(617) 570-9566(617) 570-9566
Corey Couillard, CRPC®
Wealth Management Analyst, Registered Client Service Associate, Chartered Retirement Planning Counselor™
Phone:
(617) 570-9561(617) 570-9561
Lloyd King
Client Relationship Analyst
Phone:
(617) 570-9234(617) 570-9234
About Alicia Andre
About Alicia Andre
Alicia Andre, CFA®
Financial Advisor, Executive Director, Family Wealth Director
Alicia founded The Andre Pazdan Group at Morgan Stanley to offer objective customized financial advice to individuals and families. Combining a macroeconomic perspective with the latest research and wealth management practices, Alicia’s experience and steady hand help clients grow, preserve and transition their wealth. She believes in simplicity and outstanding service and has a deep commitment to building long-term relationships to help clients achieve their goals with confidence.
After starting her career in private equity, Alicia became a financial advisor and portfolio manager at Boston Safe Deposit and Trust (now BNY Mellon). She then spent two decades within WilmerHale at Silver Bridge Advisors as an advisor to individuals and families and served on the firm’s investment committee. Alicia joined Morgan Stanley in 2015 to take advantage of the firm’s global resources and industry-leading technology.
In 2019, Alicia earned Morgan Stanley’s Family Wealth Director Designation. This program based on extensive experience working with ultra-high net worth families and provides specialized training and enables her to offer direct access to the advanced resources needed to help affluent families address the complex, multigenerational challenges of managing significant wealth. This includes knowledge and experience in wealth transfer, family dynamics, philanthropy, asset allocation, manager selection and other important areas of concern.
Alicia earned both a B.S. in Business Administration and Management and an M.B.A. in Finance at the Rochester Institute of Technology. Her Chartered Financial Analyst® designation underscores her experience, knowledge and professional integrity.
Alicia and her husband reside in Concord, MA. They have two grown children. Alicia enjoys reading, surfing, sailing and spending time with family and friends.
2014-2024 Five Star Wealth Manager Award. Source: fivestarprofessional.com (Awarded 2014-2020). The award was determined based on an evaluation process conducted by Five-Star Professional based on objective criteria. The award was not based on a specific time period.
Representative; Investment Advisor Representative
NMLS#: 1489623
Alicia Andre, CFA®
Financial Advisor, Executive Director, Family Wealth Director
Alicia founded The Andre Pazdan Group at Morgan Stanley to offer objective customized financial advice to individuals and families. Combining a macroeconomic perspective with the latest research and wealth management practices, Alicia’s experience and steady hand help clients grow, preserve and transition their wealth. She believes in simplicity and outstanding service and has a deep commitment to building long-term relationships to help clients achieve their goals with confidence.
After starting her career in private equity, Alicia became a financial advisor and portfolio manager at Boston Safe Deposit and Trust (now BNY Mellon). She then spent two decades within WilmerHale at Silver Bridge Advisors as an advisor to individuals and families and served on the firm’s investment committee. Alicia joined Morgan Stanley in 2015 to take advantage of the firm’s global resources and industry-leading technology.
In 2019, Alicia earned Morgan Stanley’s Family Wealth Director Designation. This program based on extensive experience working with ultra-high net worth families and provides specialized training and enables her to offer direct access to the advanced resources needed to help affluent families address the complex, multigenerational challenges of managing significant wealth. This includes knowledge and experience in wealth transfer, family dynamics, philanthropy, asset allocation, manager selection and other important areas of concern.
Alicia earned both a B.S. in Business Administration and Management and an M.B.A. in Finance at the Rochester Institute of Technology. Her Chartered Financial Analyst® designation underscores her experience, knowledge and professional integrity.
Alicia and her husband reside in Concord, MA. They have two grown children. Alicia enjoys reading, surfing, sailing and spending time with family and friends.
2014-2024 Five Star Wealth Manager Award. Source: fivestarprofessional.com (Awarded 2014-2020). The award was determined based on an evaluation process conducted by Five-Star Professional based on objective criteria. The award was not based on a specific time period.
Representative; Investment Advisor Representative
NMLS#: 1489623
Securities Agent: NY, NV, CT, TN, NJ, NC, MT, MO, LA, WY, ME, SC, MD, AK, WI, MA, GA, DE, AZ, RI, OR, NH, MN, MI, IL, CO, TX, PA, NM, KY, VT, OH, FL, DC, CA, VA; General Securities Representative; Investment Advisor Representative
NMLS#: 1489623
NMLS#: 1489623
About Lindsay Pazdan
Lindsay Pazdan, CFP®
Senior Vice President, Family Wealth Director, Financial Advisor
Lindsay Pazdan is a founding member of The Andre Pazdan Group at Morgan Stanley and works closely with clients to help them build, manage, and preserve wealth through all stages of life. From active accumulation to thoughtful retirement planning and beyond, Lindsay is focused on delivering highly personalized strategies. She helps clients navigate significant financial milestones with clarity and confidence whether planning for retirement, managing liquidity events, or establishing legacy and philanthropic goals.
With a clear, client-centered approach, Lindsay also engages the next generation, fostering financial literacy and guiding emerging investors through critical financial decisions. While laying the foundation for long-term financial confidence she works to prepare the next generation to approach wealth with intention, purpose, and a sense of responsibility.
Known for her disciplined investment approach and practical, informed guidance, Lindsay brings clarity to a fast-moving and often complex global financial landscape. Her clients value not only her expertise, but her thoughtful communication, responsiveness, and long-term perspective.
Before joining Morgan Stanley, Lindsay was with Silver Bridge Advisors, , an affiliate of WilmerHale, where she focused on domestic equity trading, contributed to the investment team, and served on the firm’s Asset Allocation Committee. She began her career at Lehman Brothers as a Senior Client Associate, an experience that established her strong commitment to client service and operational excellence.
Lindsay holds the prestigious Family Wealth Director designation, awarded to a select group of advisors with extensive experience working with ultra-high-net-worth families. This distinction allows her to deliver tailored strategies in areas such as intergenerational wealth transfer, family governance, philanthropic planning, investment architecture, asset allocation, and manager selection.
Lindsay earned a B.S. in Finance from Fairfield University and holds the CERTIFIED FINANCIAL PLANNER™ (CFP®) designation, widely recognized as the gold standard in comprehensive financial planning.
She lives in Dover, Massachusetts, with her husband and two children. Outside of work, Lindsay enjoys skiing, playing tennis, and spending time outdoors with her family.
Senior Vice President, Family Wealth Director, Financial Advisor
Lindsay Pazdan is a founding member of The Andre Pazdan Group at Morgan Stanley and works closely with clients to help them build, manage, and preserve wealth through all stages of life. From active accumulation to thoughtful retirement planning and beyond, Lindsay is focused on delivering highly personalized strategies. She helps clients navigate significant financial milestones with clarity and confidence whether planning for retirement, managing liquidity events, or establishing legacy and philanthropic goals.
With a clear, client-centered approach, Lindsay also engages the next generation, fostering financial literacy and guiding emerging investors through critical financial decisions. While laying the foundation for long-term financial confidence she works to prepare the next generation to approach wealth with intention, purpose, and a sense of responsibility.
Known for her disciplined investment approach and practical, informed guidance, Lindsay brings clarity to a fast-moving and often complex global financial landscape. Her clients value not only her expertise, but her thoughtful communication, responsiveness, and long-term perspective.
Before joining Morgan Stanley, Lindsay was with Silver Bridge Advisors, , an affiliate of WilmerHale, where she focused on domestic equity trading, contributed to the investment team, and served on the firm’s Asset Allocation Committee. She began her career at Lehman Brothers as a Senior Client Associate, an experience that established her strong commitment to client service and operational excellence.
Lindsay holds the prestigious Family Wealth Director designation, awarded to a select group of advisors with extensive experience working with ultra-high-net-worth families. This distinction allows her to deliver tailored strategies in areas such as intergenerational wealth transfer, family governance, philanthropic planning, investment architecture, asset allocation, and manager selection.
Lindsay earned a B.S. in Finance from Fairfield University and holds the CERTIFIED FINANCIAL PLANNER™ (CFP®) designation, widely recognized as the gold standard in comprehensive financial planning.
She lives in Dover, Massachusetts, with her husband and two children. Outside of work, Lindsay enjoys skiing, playing tennis, and spending time outdoors with her family.
Securities Agent: KY, DE, MO, CO, NC, MT, FL, VA, SC, OR, MD, DC, CA, WY, TN, NJ, AZ, WI, RI, LA, NY, MN, ME, AK, TX, PA, OH, NH, MI, MA, GA, CT, NV, NM, IL, VT; General Securities Representative; Investment Advisor Representative
NMLS#: 1498369
NMLS#: 1498369
About Stephanie Roszkowski
Stephanie Roszkowski joined The Andre Pazdan Group in July 2017 as a Registered Client Service Associate and currently serves as a Wealth Management Associate, overseeing all operational functions of the team. In this role, Stephanie leads the team’s service model, ensuring seamless execution of all administrative and operational responsibilities—including money movement, account administration, and workflow management.
In addition to maintaining client relationships, Stephanie works closely with top-tier clients, providing high-touch service and guidance through complex transactions. Known for her attention to detail and client-first approach, she ensures that even the most intricate requests are handled smoothly and confidently.
Stephanie began her career at Morgan Stanley in August 2014 as a Branch Manager Assistant, playing a key role on the management team. Before that, she launched her financial services career at Hilltop Securities as a Municipal Advisory Assistant, supporting a team of advisors in the issuance and management of short-term municipal bonds.
She is a graduate of Suffolk University in Boston, where she earned a Bachelor of Science in Business Administration with a concentration in Finance. Stephanie holds the Series 7 and Series 66 licenses, as well as the CERTIFIED FINANCIAL PLANNER™ (CFP®) designation—the industry’s premier credential for comprehensive financial planning.
Stephanie lives in the North End of Boston and enjoys golf, cooking, traveling, and spending time with friends and family.
In addition to maintaining client relationships, Stephanie works closely with top-tier clients, providing high-touch service and guidance through complex transactions. Known for her attention to detail and client-first approach, she ensures that even the most intricate requests are handled smoothly and confidently.
Stephanie began her career at Morgan Stanley in August 2014 as a Branch Manager Assistant, playing a key role on the management team. Before that, she launched her financial services career at Hilltop Securities as a Municipal Advisory Assistant, supporting a team of advisors in the issuance and management of short-term municipal bonds.
She is a graduate of Suffolk University in Boston, where she earned a Bachelor of Science in Business Administration with a concentration in Finance. Stephanie holds the Series 7 and Series 66 licenses, as well as the CERTIFIED FINANCIAL PLANNER™ (CFP®) designation—the industry’s premier credential for comprehensive financial planning.
Stephanie lives in the North End of Boston and enjoys golf, cooking, traveling, and spending time with friends and family.
About Corey Couillard
Corey Couillard is a Wealth Management Analyst with The Andre Pazdan Group, where he plays a central role in supporting client relationships through consistent communication, personalized guidance, and hands-on day-to-day service. Known for being approachable, Corey ensures clients feel informed, comfortable, and well-cared-for at every stage of their financial journey.
Since joining Morgan Stanley in April 2020—and The Andre Pazdan Group in February 2022—Corey has become a trusted point of contact for both onboarding new clients and maintaining ongoing relationships. His operational expertise includes money movement, account administration, account openings, and performance reporting.
Corey holds Series 7 and Series 66 licenses and has earned the CRPC® (Chartered Retirement Planning Counselor) designation, reflecting his commitment to comprehensive retirement planning and long-term financial wellness.
Prior to his career in financial services, Corey worked as a golf professional in Deerfield Beach, Florida. He entered the industry in 2018 at Bank of America as a Relationship Banker, where he provided clients with tailored financial solutions to help improve their overall financial lives.
Corey currently resides in Peabody, Massachusetts, and enjoys golfing, hiking with his rescue dogs Ellie and Nyla, and spending time with friends and family.
Since joining Morgan Stanley in April 2020—and The Andre Pazdan Group in February 2022—Corey has become a trusted point of contact for both onboarding new clients and maintaining ongoing relationships. His operational expertise includes money movement, account administration, account openings, and performance reporting.
Corey holds Series 7 and Series 66 licenses and has earned the CRPC® (Chartered Retirement Planning Counselor) designation, reflecting his commitment to comprehensive retirement planning and long-term financial wellness.
Prior to his career in financial services, Corey worked as a golf professional in Deerfield Beach, Florida. He entered the industry in 2018 at Bank of America as a Relationship Banker, where he provided clients with tailored financial solutions to help improve their overall financial lives.
Corey currently resides in Peabody, Massachusetts, and enjoys golfing, hiking with his rescue dogs Ellie and Nyla, and spending time with friends and family.
About Lloyd King
Lloyd King joined The Andre Pazdan Group at Morgan Stanley in May 2026 and currently serves as an Client Relationship Analyst, supporting the team’s service model and day-to-day execution to ensure a seamless client experience. In this role, Lloyd partners closely with advisors and internal stakeholders to help deliver timely, accurate account support, with a focus on operational excellence and responsive client service.
Prior to joining Morgan Stanley, Lloyd served as an Investment Associate at RBC Wealth Management US (January 2025–May 2026), where he transitioned with his advisory team following an organizational move from First Republic Wealth Management/JPMorgan Advisors, with his scope, clients, and responsibilities remaining consistent. Previously, Lloyd was a Client Associate at First Republic Wealth Management/JPMorgan Advisors (June 2022–December 2024), supporting a private wealth management team overseeing more than $1 billion in assets under management. As a primary point of contact for client inquiries, he built trusted relationships while coordinating across internal partners to manage day-to-day account activity; including transaction processing, cash balance management, and client onboarding and maintenance. He also executed and processed client trade orders as directed by clients and financial advisors and supported client discussions related to investing and portfolio management.
Earlier on, Lloyd earned a Bachelor of Science in Business Administration with a concentration in Finance from Stonehill College, where he was named to the Dean’s List every semester. He currently holds the FINRA Series 7 and Series 66 licenses, as well as the SIE. Lloyd currently resides in Quincy, Massachusetts, where he enjoys snowboarding, supporting New York sports teams, trying new restaurants, and spending time with family and friends.
Prior to joining Morgan Stanley, Lloyd served as an Investment Associate at RBC Wealth Management US (January 2025–May 2026), where he transitioned with his advisory team following an organizational move from First Republic Wealth Management/JPMorgan Advisors, with his scope, clients, and responsibilities remaining consistent. Previously, Lloyd was a Client Associate at First Republic Wealth Management/JPMorgan Advisors (June 2022–December 2024), supporting a private wealth management team overseeing more than $1 billion in assets under management. As a primary point of contact for client inquiries, he built trusted relationships while coordinating across internal partners to manage day-to-day account activity; including transaction processing, cash balance management, and client onboarding and maintenance. He also executed and processed client trade orders as directed by clients and financial advisors and supported client discussions related to investing and portfolio management.
Earlier on, Lloyd earned a Bachelor of Science in Business Administration with a concentration in Finance from Stonehill College, where he was named to the Dean’s List every semester. He currently holds the FINRA Series 7 and Series 66 licenses, as well as the SIE. Lloyd currently resides in Quincy, Massachusetts, where he enjoys snowboarding, supporting New York sports teams, trying new restaurants, and spending time with family and friends.
Contact Alicia Andre
Contact Lindsay Pazdan
Wealth Management
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Working closely with you to guide your wealth and investments through the most challenging market cycles.
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Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
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You Work Hard, Make Your 401(k) Plan Work Harder
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529 Plans: A Powerful Tool to Save for Education
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Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
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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:
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- Set themselves apart by offering comprehensive financial wellness benefits.
Ready to start a conversation? Contact The Andre Pazdan Group today.
Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization’s initial and ongoing certification requirements to use the certification marks.
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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.
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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 Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.
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
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States. Morgan Stanley Wealth Management is a business of Morgan Stanley Smith Barney LLC.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be appropriate for you. Please see the Morgan Stanley Smith Barney LLC program disclosure brochure (the “Morgan Stanley ADV”) for more information in the investment advisory programs available. The Morgan Stanley ADV is available at www.morganstanley.com/ADV.
3When 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.
4Morgan 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.
5Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
6Morgan Stanley 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.
7Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
8Morgan 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.
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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:
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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 Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.
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
CRC 4665150 (8/2025)
