Robert Hart
The Atlantic Coastal Group at Morgan Stanley
Direct:
(732) 974-5031(732) 974-5031
Toll-Free:
(800) 965-9217(800) 965-9217
Our Mission Statement
We are committed to delivering a high standard of service rooted in integrity, long-term partnership, and a deep understanding of each client's unique goals- helping individuals, families, and business owners navigate life without financial stress and achieve the lifestyle they aspire to, with clarity and confidence.
About Us
Wealth is almost invariably accompanied by complexity – how to preserve it in the face of volatile markets, how to grow it sufficiently to achieve your goals, how to transfer it to the next generation without excessive taxation or family conflict.
At The Atlantic Coastal Group, we are committed to helping you simplify your financial life and make more informed decisions. We have partners from our team located in Sea Girt, New Jersey & Saratoga Springs, New York as well as on Marco Island, Florida.
Together, we have over 140 years of experience. We offer the experience, dedication and personalized attention that we believe distinguish us from many of the other advisory alternatives available to you.
At The Atlantic Coastal Group, we are committed to helping you simplify your financial life and make more informed decisions. We have partners from our team located in Sea Girt, New Jersey & Saratoga Springs, New York as well as on Marco Island, Florida.
Together, we have over 140 years of experience. We offer the experience, dedication and personalized attention that we believe distinguish us from many of the other advisory alternatives available to you.
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Our Process
Many of our clients are either contemplating retirement or already retired. Others are corporate executives whose wealth may be overly concentrated in the stock of their employers. Still others are business owners who are seeking the most efficient way to sell their company or perhaps transfer ownership to family members. For all these clients, we employ a planning-based process that includes the following steps:
1. Discovery
• As Financial Advisors, we understand the importance of listening before we offer possible recommendations
• Our conversations will explore your aspirations, apprehensions, and unique circumstances
• Only when we have a thorough understanding of these will we be able to proceed to the next phase of our process
• Our conversations will explore your aspirations, apprehensions, and unique circumstances
• Only when we have a thorough understanding of these will we be able to proceed to the next phase of our process
2. Developing Your Plan
• Our sophisticated wealth planning platform helps us provide you with an understanding of where you are on your journey and whether you will be able to reach your destination within your required timeframe
• Once we understand whether you have a gap or a surplus between the projected cost of your goals and your overall resources, we will create a plan with customized recommendations
• Once we understand whether you have a gap or a surplus between the projected cost of your goals and your overall resources, we will create a plan with customized recommendations
3. Evaluating Your Progress
• We monitor your performance on an ongoing basis
• We may alter our strategies to accommodate changing circumstances in your life or trends in the financial markets
• When those markets turn turbulent, you can count on us to help you understand what’s going on and avoid emotional decisions that may impede your long-term progress
• We may alter our strategies to accommodate changing circumstances in your life or trends in the financial markets
• When those markets turn turbulent, you can count on us to help you understand what’s going on and avoid emotional decisions that may impede your long-term progress
4. Implementing Your Plan
• Working closely with you to bring your plan to life
• Consulting with Morgan Stanley professionals who specialize in estate planning, lending strategies, insurance, and other disciplines
• Developing an investment strategy to meet any challenges
• Ongoing analysis and adjustment of your positions to manage risk or take advantage of prevailing market conditions
• Consulting with Morgan Stanley professionals who specialize in estate planning, lending strategies, insurance, and other disciplines
• Developing an investment strategy to meet any challenges
• Ongoing analysis and adjustment of your positions to manage risk or take advantage of prevailing market conditions
PLANNING FOR YOUR FUTURE
Our team will work with you to understand what your priorities are during these crucial years and implement a customized strategy for you. Whether it is planning for retirement, transitioning into retirement, or already managing your assets in retirement, our team is equipped with the resources and the knowledge to help you accomplish your personal and financial goals.
Making the Most of Your Retirement Savings
Carefully managing distributions from your portfolio during retirement can help you save on taxes, leaving you more money to spend and enjoy.
Learn More Here
5 Mistakes to Avoid in Retirement
You’ve spent a lifetime planning for your retirement goals, contributing to your 401(k) plan and perhaps investing additional assets in an individual retirement account (IRA) or other accounts. Now, you’re finally on the verge of retiring. However, you may be surprised to find that retirement planning doesn’t stop once you retire.
Learn More Here
Tax-Smart Strategies for Your Retirement
Smart tax planning can help you save more for retirement and keep more of what you’ve already saved. Consider these tax-efficient retirement planning strategies.
Learn More Here
A Simple Six-Step Retirement Checkup
Periodically checking your retirement plan, especially during periods of market volatility, can help ensure you’re on track to meet your goals. If you find that you’re off track, small tweaks to your investment strategy, such as adjusting your asset allocation, can make a big difference.
Learn More HereAdvising Senior Executives
Many of our clients are successful executives, whose personal wealth is linked inextricably to the fortunes of their companies. Often, their investment portfolios consist largely of employer stock and stock options that are subject to a myriad of rules of which they may only be vaguely aware. At The Atlantic Coastal Group, we are committed to helping you manage your wealth and make more informed choices. We understand the risks, as well as the rewards, of employer stock ownership and the need to integrate your corporate benefits with the rest of your finances. Specifically, we can help you address such issues as:
Avoiding Over-Concentration
Most corporate executives share an optimistic view of their company’s future and consider employer stock to be a sound investment. Perhaps it is, but would you concentrate such a substantial portion of your assets in any other stock? Our team offers objective guidance to:
• Diversify your portfolio without necessarily liquidating part of your employer stock position and incurring capital gains tax.
• Comply with SEC regulations, if applicable, should you choose to sell shares and reinvest the proceeds in other securities.
• Implement a 10b5-1 trading plan that can help you sell employer shares even during blackout periods when you are ordinarily not allowed to sell your company’s stock.
• Diversify your portfolio without necessarily liquidating part of your employer stock position and incurring capital gains tax.
• Comply with SEC regulations, if applicable, should you choose to sell shares and reinvest the proceeds in other securities.
• Implement a 10b5-1 trading plan that can help you sell employer shares even during blackout periods when you are ordinarily not allowed to sell your company’s stock.
Understanding Your Options
What happens to your stock options if you decide to retire or leave your job for another employer? Do you own incentive stock options or non-qualified stock options, and do you understand how they differ? Should you consider exercising options now or wait until retirement?
At Wealth is almost invariably accompanied by complexity – how to preserve it in the face of volatile markets, how to grow it sufficiently to achieve your goals, how to transfer it to the next generation without excessive taxation or family conflict.
At The Atlantic Coastal Group, we can help you answer these questions and, equally as important, ask the right questions before making any decisions that might be irrevocable.
At Wealth is almost invariably accompanied by complexity – how to preserve it in the face of volatile markets, how to grow it sufficiently to achieve your goals, how to transfer it to the next generation without excessive taxation or family conflict.
At The Atlantic Coastal Group, we can help you answer these questions and, equally as important, ask the right questions before making any decisions that might be irrevocable.
Separating from Service
Different companies have different policies about stock options, restricted stock units, and other equity compensation programs once you retire or leave the company. Before you make any decisions that might prove irrevocable, we’ll help you determine how those choices might affect the benefits you’ve accumulated.
With the help of Morgan Stanley professionals who focus on these areas, we’ve provided numerous executives with the guidance they needed to maximize the options and shares that were available to them. We can also help you determine the most tax-efficient way to handle the retirement plan assets you’ve accumulated throughout your career.
With the help of Morgan Stanley professionals who focus on these areas, we’ve provided numerous executives with the guidance they needed to maximize the options and shares that were available to them. We can also help you determine the most tax-efficient way to handle the retirement plan assets you’ve accumulated throughout your career.
KNOWLEDGE & RESOURCE CENTER
We believe financial education leads to better insights into our investment strategy and discipline, and ultimately, better long-term decisions. As a result, we are committed to providing you with important information about managing your wealth more effectively in today’s global markets.
We've assembled the following tools and resources that reinforce the fundamental investment strategies and concepts of our practice. Additionally, we've provided links and hope you’ll return often to learn more about the topics that can impact your wealth.
We've assembled the following tools and resources that reinforce the fundamental investment strategies and concepts of our practice. Additionally, we've provided links and hope you’ll return often to learn more about the topics that can impact your wealth.
GIC: On The Markets
Detailed market commentary from Morgan Stanley's thought leaders on topics such as global equities, fixed income, monetary policy and more.
Click Here To Learn More
GIC: Weekly
This report from Wealth Management Chief Investment Officer Lisa Shalett highlights the GIC's latest thinking on the markets.
Click Here To Learn More
Morgan Stanley's Promotional Preferred Savings Program
Make the most of your cash at a competitive rate here at Morgan Stanley.
Click Here To Learn More
CD Promotion at Morgan Stanley
Click on the link below to explore Morgan Stanley's CD Promotion, it's newest rates, and why this may be a suitable option for you.
Click Here To Learn More
Insurance Solutions
At Morgan Stanley, we offer a robust suite of insurance and annuities solutions backed by its licensed insurance agency affiliates that can aid in safeguarding you and your loved ones.
Click Here To Learn More
Morgan Stanley Private Markets (MSPM)
Private market investing enables eligible investors to access attractive companies before they are publicly available making you a part of their story. Watch this video to learn more about investing in Private Markets with Morgan Stanley and consider whether such investments might be right for you.
Watch MSPM Video
2025 Retirement Plan Contribution Limits
Take a look at the Retirement Plan Contribution Limits for 2025.
Click Here To Learn More
2025 Tax Tables
The tax decisions you make today can help you save for years to come. Access the 2025 Tax Tables now by clicking on the link below.
Click Here To Learn More
Total Tax 365
Taxes can be a substantial drag on investment returns. Morgan Stanley Total Tax 365 offers access to a broad range of tax-efficient strategies to help you integrate tax planning into your investment process all year long, maximize portfolio after-tax return potential and help keep more of what you earn.
Click Here To Learn MoreLocation
2150 Highway 35
Suite 200
Sea Girt, NJ 08750
US
Direct:
(732) 974-5031(732) 974-5031
Toll-Free:
(800) 965-9217(800) 965-9217
928 N Collier Blvd
3rd Fl
Marco Island, FL 34145
US
Direct:
(239) 393-2910(239) 393-2910
340 Broadway
Saratoga Springs, NY 12866
US
Direct:
(518) 583-5639(518) 583-5639
Meet The Atlantic Coastal Group
Thomas Tonkovich
David Caruso
Alex Wenthe
John Volpe
Regan Delancey
Johnny Volpe
Andrew T. Shippee
Andrew Lindenbaum
Registered Associate
Phone:
(732) 974-5016(732) 974-5016
Myra Dominguez
Senior Client Service Associate
Phone:
(239) 393-2902(239) 393-2902
Jenn Diaz
Client Service Associate
Phone:
(732) 974-5031(732) 974-5031
Robert T. Hart
Client Service Associate
Phone:
(732) 974-5017(732) 974-5017
About Andrew Lindenbaum
Andrew Lindenbaum serves as a Registered Associate with the Atlantic Coastal Group at Morgan Stanley, where he plays a key role in supporting clients with thoughtful guidance and operational excellence. With a strong foundation in financial services and a passion for delivering a superior client experience, Andrew brings both reliability and strategic insight to the team.
A graduate of Coastal Carolina University, Andrew earned a Bachelor’s degree in Management, where he developed a strong understanding of business operations, organizational behavior, and leadership. That academic foundation, paired with his professional licensing and industry experience, enables him to support clients with precision and professionalism across all aspects of the wealth management process.
Known for his attention to detail, responsiveness, and team-first attitude, Andrew is committed to helping clients feel confident and cared for every step of the way. Outside of his professional endeavors, Andrew is passionate about golfing and spending time with his family.
A graduate of Coastal Carolina University, Andrew earned a Bachelor’s degree in Management, where he developed a strong understanding of business operations, organizational behavior, and leadership. That academic foundation, paired with his professional licensing and industry experience, enables him to support clients with precision and professionalism across all aspects of the wealth management process.
Known for his attention to detail, responsiveness, and team-first attitude, Andrew is committed to helping clients feel confident and cared for every step of the way. Outside of his professional endeavors, Andrew is passionate about golfing and spending time with his family.
About Myra Dominguez
Myra Dominguez is a Senior Client Service Associate with the Atlantic Coastal Group at Morgan Stanley, bringing over 17 years of experience within the firm. Throughout her tenure, she has built a strong foundation in wealth management, with a focus on delivering exceptional client support and ensuring operational efficiency across all aspects of the business.
Known for her extensive knowledge, attention to detail, and unwavering commitment to service, Myra plays a vital role in helping clients feel supported, informed, and confident in their financial journey.
Known for her extensive knowledge, attention to detail, and unwavering commitment to service, Myra plays a vital role in helping clients feel supported, informed, and confident in their financial journey.
About Jenn Diaz
Jenn Diaz is a Client Service Associate with the Atlantic Coastal Group at Morgan Stanley, bringing over 25 years of experience in the financial industry to the team. Known as "the brains of our operation," Jenn plays a critical role in ensuring the smooth and efficient functioning of the group, providing exceptional support to both clients and advisors.
Jenn began her career in the financial industry in 1999, and over the years, she has developed a deep understanding of the complexities involved in Wealth Management. Her expertise spans a wide range of areas, including client relationship management, account administration, and operational efficiency. Jenn's attention to detail and dedication to client service have made her an indispensable part of the Atlantic Coastal Group.
In her role, Jenn is responsible for managing the day-to-day operations of the team, ensuring that all client needs are met with the highest level of professionalism and care. She works closely with the advisors to streamline processes, coordinate client communications, and handle any inquiries or issues that arise. Her vast knowledge and experience allow her to anticipate client needs and provide proactive solutions, making her a trusted resource for both clients and colleagues.
Jenn's commitment to excellence and her ability to manage complex tasks with ease have earned her a reputation as the backbone of the Atlantic Coastal Group. Her dedication to her work is matched only by her passion for helping clients achieve their financial goals.
Outside of work, Jenn enjoys playing pickleball, traveling, and enjoying time with her two sons, which allow her to unwind and recharge. Her strong work ethic and positive attitude make her an invaluable member of the team and a key contributor to the success of the Atlantic Coastal Group.
Jenn began her career in the financial industry in 1999, and over the years, she has developed a deep understanding of the complexities involved in Wealth Management. Her expertise spans a wide range of areas, including client relationship management, account administration, and operational efficiency. Jenn's attention to detail and dedication to client service have made her an indispensable part of the Atlantic Coastal Group.
In her role, Jenn is responsible for managing the day-to-day operations of the team, ensuring that all client needs are met with the highest level of professionalism and care. She works closely with the advisors to streamline processes, coordinate client communications, and handle any inquiries or issues that arise. Her vast knowledge and experience allow her to anticipate client needs and provide proactive solutions, making her a trusted resource for both clients and colleagues.
Jenn's commitment to excellence and her ability to manage complex tasks with ease have earned her a reputation as the backbone of the Atlantic Coastal Group. Her dedication to her work is matched only by her passion for helping clients achieve their financial goals.
Outside of work, Jenn enjoys playing pickleball, traveling, and enjoying time with her two sons, which allow her to unwind and recharge. Her strong work ethic and positive attitude make her an invaluable member of the team and a key contributor to the success of the Atlantic Coastal Group.
About Robert T. Hart
Robert T. Hart is a Client Service Associate with the Atlantic Coastal Group at Morgan Stanley, where he brings a disciplined, client-focused approach to supporting the team and delivering a high standard of service. With a background in competitive athletics and business, Robert approaches every task with focus, perseverance, and a drive to succeed.
Robert began his career at Morgan Stanley in 2021 as an intern with the Atlantic Coastal Group. Since then, he has grown within the team, leveraging his strong work ethic and commitment to client service to support both advisors and clients with professionalism and care.
He played Division I football at Wagner College before earning his degree from the Leon Hess Business School at Monmouth University, where he majored in Business Marketing with a minor in Information Technology. His academic experience, combined with the leadership and teamwork developed on the field, has shaped his commitment to helping clients pursue their financial goals with confidence and clarity.
As a valued member of the Atlantic Coastal Group, Robert is known for his reliability, problem-solving skills, and dedication to building meaningful relationships with both clients and colleagues.
Currently, he is based in his hometown of Manasquan, NJ, where he was both born and raised. Beyond his professional life, Robert enjoys staying active, following sports, and spending time with family and friends.
Robert began his career at Morgan Stanley in 2021 as an intern with the Atlantic Coastal Group. Since then, he has grown within the team, leveraging his strong work ethic and commitment to client service to support both advisors and clients with professionalism and care.
He played Division I football at Wagner College before earning his degree from the Leon Hess Business School at Monmouth University, where he majored in Business Marketing with a minor in Information Technology. His academic experience, combined with the leadership and teamwork developed on the field, has shaped his commitment to helping clients pursue their financial goals with confidence and clarity.
As a valued member of the Atlantic Coastal Group, Robert is known for his reliability, problem-solving skills, and dedication to building meaningful relationships with both clients and colleagues.
Currently, he is based in his hometown of Manasquan, NJ, where he was both born and raised. Beyond his professional life, Robert enjoys staying active, following sports, and spending time with family and friends.
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
Stacey Herring
Private Banker
Michael Ryan
Private Banker
Hannah Sledd
Vice President, Financial Planning Director
Adrian Schwartz, CFP®
Financial Planning Director, Vice President
Emilio LaPietra, CFP®
Financial Planning Director, Vice President
Matthew Stone
Planning Associate
About Stacey Herring
Stacey Herring is a Private Banker serving Morgan Stanley Wealth Management offices in Florida.
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.
Stacey began her career in financial services in 1994, and joined Morgan Stanley in 2014. Prior to joining the firm, she was a Mortgage Sales Manager at SunTrust Bank and a Senior Mortgage Loan Officer for over 17 years at Fifth Third Bank. Stacey is a graduate of Florida State University, where she received a Bachelor of Science in Business Marketing and a Minor in Communications.
Stacey currently serves on the Women’s Foundation of Collier County Board of Directors, as well as Junior Achievement of SWFL’s Advisory Board. In addition, Stacey has chaired many community endeavors, serving Naples Community Hospital, PACE Center for Girls of Collier County, and Youth Haven. She is a graduate of the Naples Chamber of Commerce’s Leadership Collier program, awarded Gulfshore Business Magazine’s “40 Under 40 Award”, and in 2013 was awarded the Glass Slipper Award by The Education Foundation, Champions for Learning. In 2014, Stacey was named a Woman of Initiative by the Community Foundation of Collier County for her philanthropy, dedication, and commitment to children’s causes.
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.
Stacey began her career in financial services in 1994, and joined Morgan Stanley in 2014. Prior to joining the firm, she was a Mortgage Sales Manager at SunTrust Bank and a Senior Mortgage Loan Officer for over 17 years at Fifth Third Bank. Stacey is a graduate of Florida State University, where she received a Bachelor of Science in Business Marketing and a Minor in Communications.
Stacey currently serves on the Women’s Foundation of Collier County Board of Directors, as well as Junior Achievement of SWFL’s Advisory Board. In addition, Stacey has chaired many community endeavors, serving Naples Community Hospital, PACE Center for Girls of Collier County, and Youth Haven. She is a graduate of the Naples Chamber of Commerce’s Leadership Collier program, awarded Gulfshore Business Magazine’s “40 Under 40 Award”, and in 2013 was awarded the Glass Slipper Award by The Education Foundation, Champions for Learning. In 2014, Stacey was named a Woman of Initiative by the Community Foundation of Collier County for her philanthropy, dedication, and commitment to children’s causes.
NMLS#: 434321
About Michael Ryan
Michael Ryan is a Private Banker serving Morgan Stanley Wealth Management offices in New Jersey and New York.
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.
Michael began his career in financial services in 2010 and joined Morgan Stanley in 2017. Prior to joining the firm, he was a Citigold Relationship Manager for Citibank in Queens, NY. Michael was also a Private Client Banker with JP Morgan Chase Bank in New Jersey.
Michael is a graduate of Ramapo College where he received a Bachelor of Science with a concentration in Law and Society Studies. He lives at the Jersey Shore with his family. Outside of the office, Michael donates his time to the Juvenile Diabetes Research Foundation. He enjoys playing golf, skiing, the beach, and spending time with his family.
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.
Michael began his career in financial services in 2010 and joined Morgan Stanley in 2017. Prior to joining the firm, he was a Citigold Relationship Manager for Citibank in Queens, NY. Michael was also a Private Client Banker with JP Morgan Chase Bank in New Jersey.
Michael is a graduate of Ramapo College where he received a Bachelor of Science with a concentration in Law and Society Studies. He lives at the Jersey Shore with his family. Outside of the office, Michael donates his time to the Juvenile Diabetes Research Foundation. He enjoys playing golf, skiing, the beach, and spending time with his family.
NMLS#: 600637
About Hannah Sledd
Hannah Sledd is a vice president and financial planning director serving Morgan Stanley’s Wealth Management offices in Southwest Florida. She is responsible for helping financial advisors with their clients’ and prospects’ financial planning needs.
Hannah began her career in financial services in 2012 and we are happy that she is rejoining Morgan Stanley. Hannah began her work as an independent advisor in Atlanta, working with top financial firms including E*TRADE and JP Morgan before joining Morgan Stanley. She has a vast array of experiences, including working on an elite trading desk, assisting advisors in the development and implementation of financial plans for their high-net-worth clientele, leading an international mergers and acquisitions team and working as a financial advisor.
Hannah is a graduate of the University of Alabama where she earned a bachelor’s degree in finance with a concentration in investment management, and currently holds the CERTIFIED FINANCIAL PLANNER™ designation. Hannah currently lives in Nashville, TN. When not in the office, Hannah enjoys pilates, travelling, and teaching yoga.
DISCLOSURE:
Important information about your relationship with your Financial Advisor and Morgan Stanley Smith Barney LLC when using a Financial Planning tool. When your Financial Advisor prepares a Financial Plan, they will act in an investment advisory capacity for thirty (30) days after the delivery of your Financial Plan. To understand the differences between brokerage and advisory relationships, you should consult your Financial Advisor, or review our “Understanding Your Brokerage and Investment Advisory Relationships,” brochure available at https://www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
You have sole responsibility for making all investment decisions with respect to the implementation of a Financial Plan. You may implement the Financial Plan at Morgan Stanley or at another firm. If you engage or have engaged Morgan Stanley, it will act as your broker, unless you ask it, in writing, to act as your investment adviser on any particular account.
Morgan 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.
Morgan 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, charitable giving, philanthropic planning and other legal matters.
© 2023 Morgan Stanley Smith Barney LLC. Member SIPC.
Hannah began her career in financial services in 2012 and we are happy that she is rejoining Morgan Stanley. Hannah began her work as an independent advisor in Atlanta, working with top financial firms including E*TRADE and JP Morgan before joining Morgan Stanley. She has a vast array of experiences, including working on an elite trading desk, assisting advisors in the development and implementation of financial plans for their high-net-worth clientele, leading an international mergers and acquisitions team and working as a financial advisor.
Hannah is a graduate of the University of Alabama where she earned a bachelor’s degree in finance with a concentration in investment management, and currently holds the CERTIFIED FINANCIAL PLANNER™ designation. Hannah currently lives in Nashville, TN. When not in the office, Hannah enjoys pilates, travelling, and teaching yoga.
DISCLOSURE:
Important information about your relationship with your Financial Advisor and Morgan Stanley Smith Barney LLC when using a Financial Planning tool. When your Financial Advisor prepares a Financial Plan, they will act in an investment advisory capacity for thirty (30) days after the delivery of your Financial Plan. To understand the differences between brokerage and advisory relationships, you should consult your Financial Advisor, or review our “Understanding Your Brokerage and Investment Advisory Relationships,” brochure available at https://www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
You have sole responsibility for making all investment decisions with respect to the implementation of a Financial Plan. You may implement the Financial Plan at Morgan Stanley or at another firm. If you engage or have engaged Morgan Stanley, it will act as your broker, unless you ask it, in writing, to act as your investment adviser on any particular account.
Morgan 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.
Morgan 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, charitable giving, philanthropic planning and other legal matters.
© 2023 Morgan Stanley Smith Barney LLC. Member SIPC.
About Adrian Schwartz
Adrian Schwartz is a Vice President and Financial Planning Director serving Morgan Stanley’s Wealth Management offices the Greater Philadelphia and Coastal New Jersey markets. He is responsible for helping Financial Advisors with their clients’ and prospects’ financial planning needs.
Adrian began his career in financial services in 2011 and joined Morgan Stanley in 2021. Prior to his current position, Adrian worked at TD Ameritrade in New York where he worked with some of the firm’s wealthiest clients in the region and managed two branches.
Adrian graduated from Rutgers Business School with an MBA and holds his CERTIFIED FINANCIAL PLANNER designation. Adrian lives in Manalapan, NJ with his wife and two young children. Outside of work, Adrian spends most of his time with his family. When the opportunity presents itself, he also enjoys playing guitar and golfing.
Adrian began his career in financial services in 2011 and joined Morgan Stanley in 2021. Prior to his current position, Adrian worked at TD Ameritrade in New York where he worked with some of the firm’s wealthiest clients in the region and managed two branches.
Adrian graduated from Rutgers Business School with an MBA and holds his CERTIFIED FINANCIAL PLANNER designation. Adrian lives in Manalapan, NJ with his wife and two young children. Outside of work, Adrian spends most of his time with his family. When the opportunity presents itself, he also enjoys playing guitar and golfing.
About Emilio LaPietra
Emilio LaPietra is a Vice President and Financial Planning Director serving Morgan Stanley’s Wealth Management offices in Central Eastern New York. He is responsible for helping Financial Advisors with their clients' and prospects' financial planning needs.
Emilio began his career in financial services in 2010, and joined Morgan Stanley in 2020. Prior to his current position, he worked at Fidelity Investments.
Emilio graduated from The College of Saint Rose and holds his Certified Financial Planner® designation . He lives in Saratoga Springs, New York.
Emilio began his career in financial services in 2010, and joined Morgan Stanley in 2020. Prior to his current position, he worked at Fidelity Investments.
Emilio graduated from The College of Saint Rose and holds his Certified Financial Planner® designation . He lives in Saratoga Springs, New York.
About Matthew Stone
Matthew Stone is a Planning Associate at Morgan Stanley providing dedicated financial planning support to Financial Advisors and their teams. Operating as an extension of the FA/Team, he collaborates with clients to discover and define goals that matter most to them. Leveraging state of the art technology, he will evaluate various options and their potential outcomes to help clients confidently choose the appropriate course of action. Matthew provides expertise across a wide suite of Morgan Stanley planning tools designed to assist in the areas of investment accumulation, retirement, education, major purchase, cash flow, risk management, tax efficiency, and wealth transfer planning.
He earned his undergraduate degree from Wake Forest University and received the Financial Planning Specialist® designation from the College for Financial Planning. Matthew is originally from New York and currently resides in New York City, NY.
He earned his undergraduate degree from Wake Forest University and received the Financial Planning Specialist® designation from the College for Financial Planning. Matthew is originally from New York and currently resides in New York City, NY.
Private Bankers, Ultra High Net Worth ("UHNW") Specialists, PBG Market Managers, Lending Advisors, Mortgage Consultants, Regional Mortgage Specialist, Cash Management Specialists, Associate Private Bankers are employees of Morgan Stanley Private Bank, National Association.
Banking products and services are offered by Morgan Stanley Private Bank, National Association, Member FDIC.
Morgan 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
Important information about your relationship with your Financial Advisor and Morgan Stanley Smith Barney LLC when using a Financial Planning tool. When your Financial Advisor prepares a Financial Plan, they will act in an investment advisory capacity for thirty (30) days after the delivery of your Financial Plan. To understand the differences between brokerage and advisory relationships, you should consult your Financial Advisor, or review our “Understanding Your Brokerage and Investment Advisory Relationships,” brochure available at https://www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
You have sole responsibility for making all investment decisions with respect to the implementation of a Financial Plan. You may implement the Financial Plan at Morgan Stanley or at another firm. If you engage or have engaged Morgan Stanley, it will act as your broker, unless you ask it, in writing, to act as your investment adviser on any particular account.
Morgan 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.
Morgan 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, charitable giving, philanthropic planning and other legal matters.
Important information about your relationship with your Financial Advisor and Morgan Stanley Smith Barney LLC when using a Financial Planning tool. When your Financial Advisor prepares a Financial Plan, they will act in an investment advisory capacity for thirty (30) days after the delivery of your Financial Plan. To understand the differences between brokerage and advisory relationships, you should consult your Financial Advisor, or review our “Understanding Your Brokerage and Investment Advisory Relationships,” brochure available at https://www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
You have sole responsibility for making all investment decisions with respect to the implementation of a Financial Plan. You may implement the Financial Plan at Morgan Stanley or at another firm. If you engage or have engaged Morgan Stanley, it will act as your broker, unless you ask it, in writing, to act as your investment adviser on any particular account.
Morgan 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.
Morgan 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, charitable giving, philanthropic planning and other legal matters.
When 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.
Banking products and services are offered by Morgan Stanley Private Bank, National Association, Member FDIC.
Morgan 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
Important information about your relationship with your Financial Advisor and Morgan Stanley Smith Barney LLC when using a Financial Planning tool. When your Financial Advisor prepares a Financial Plan, they will act in an investment advisory capacity for thirty (30) days after the delivery of your Financial Plan. To understand the differences between brokerage and advisory relationships, you should consult your Financial Advisor, or review our “Understanding Your Brokerage and Investment Advisory Relationships,” brochure available at https://www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
You have sole responsibility for making all investment decisions with respect to the implementation of a Financial Plan. You may implement the Financial Plan at Morgan Stanley or at another firm. If you engage or have engaged Morgan Stanley, it will act as your broker, unless you ask it, in writing, to act as your investment adviser on any particular account.
Morgan 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.
Morgan 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, charitable giving, philanthropic planning and other legal matters.
Important information about your relationship with your Financial Advisor and Morgan Stanley Smith Barney LLC when using a Financial Planning tool. When your Financial Advisor prepares a Financial Plan, they will act in an investment advisory capacity for thirty (30) days after the delivery of your Financial Plan. To understand the differences between brokerage and advisory relationships, you should consult your Financial Advisor, or review our “Understanding Your Brokerage and Investment Advisory Relationships,” brochure available at https://www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
You have sole responsibility for making all investment decisions with respect to the implementation of a Financial Plan. You may implement the Financial Plan at Morgan Stanley or at another firm. If you engage or have engaged Morgan Stanley, it will act as your broker, unless you ask it, in writing, to act as your investment adviser on any particular account.
Morgan 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.
Morgan 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, charitable giving, philanthropic planning and other legal matters.
When 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.
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1Morgan 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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan 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.
3Morgan 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.
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, charitable giving, philanthropic planning and other legal matters.
5Municipal 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.
6Products and services are provided by third party service providers, not Morgan Stanley Smith Barney LLC (“Morgan Stanley”). Morgan Stanley may not receive a referral fee or have any input concerning such products or services. There may be additional service providers for comparative purposes. Please perform a thorough due diligence and make your own independent decision.
Morgan 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, charitable giving, philanthropic planning and other legal matters.
7Morgan 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.
8Morgan 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
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
CFP Board owns the marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the U.S., which it awards to individuals who successfully complete CFP Board's initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures | Morgan Stanley
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan 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.
3Morgan 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.
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, charitable giving, philanthropic planning and other legal matters.
5Municipal 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.
6Products and services are provided by third party service providers, not Morgan Stanley Smith Barney LLC (“Morgan Stanley”). Morgan Stanley may not receive a referral fee or have any input concerning such products or services. There may be additional service providers for comparative purposes. Please perform a thorough due diligence and make your own independent decision.
Morgan 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, charitable giving, philanthropic planning and other legal matters.
7Morgan 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.
8Morgan 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
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
CFP Board owns the marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the U.S., which it awards to individuals who successfully complete CFP Board's initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures | Morgan Stanley
CRC 4665150 (8/2025)
