The Calao Group at Morgan Stanley

Utilizing his more than 27 years of experience and backed by core values of respect, integrity, proactive service, and a commitment to excellence, Joe strives to provide individuals, families, business owners, and organizations with confidence and peace of mind.

When it comes to working with individuals and families, Joe believes in providing a comprehensive wealth management process that goes beyond investment management. By including advanced planning and relationship management, he ensures he truly understand their goals, offer tailored solutions, and provide personalized attention. To help his clients to make the most suitable decisions, Joe takes the time to educate them on a multitude of topics, including investment performance, asset allocation, economic and regulatory influences, tax management, insurance, charitable giving, and wealth transfer.

By operating his team like a business, Joe takes on a business owner's perspective. This perspective, along with the breadth and depth of his team's tools and abilities, allows him to help entrepreneurs and business owners maximize the value of their business throughout all stages of growth. As a Certified Exit Planning Advisor (CEPA), he is able to assist business owners in understanding how and when to transition their businesses, and in doing so, achieve their personal and professional goals.

Joe is well-versed in the unique challenges organizations face, and he takes a proactive and holistic approach to helping them meet their fiduciary responsibilities and investment goals. By acting as a fiduciary on the plans he serves, Joe brings in-depth experience to helping organizations develop and administer retirement plans for their businesses and their employees. Additionally, as an Institutional Consultant, Joe aids a wide array of organizations, including endowments, foundations, and not-for-profit corporations, pursue their long-term missions.

Joe's heart for service extends beyond his work, and it has led him to supporting Rotary, the Waco Symphony, Key2Free, All God’s Children, and ROCK. He also enjoys cooking, playing golf, exercising, working on his ranch, and raising champion dressage horses with his wife, Christine.

Sam started as an intern with The Calao Group during his freshman year at Baylor in 2016, and he joined the team full time in 2019. Now, as a Wealth Management Associate, Sam manages the day-to-day operations of the team, increases operational efficiency, develops and streamlines processes, mitigates risk and ensure team’s compliance with industry and firm regulations, helps lead marketing efforts, and provides technology support for the team and our clients. His goal is to ensure the team is capable of delivering exceptional service to clients by supporting his team on a daily basis.

Sam graduated from Baylor University with a degree in American Studies. He also holds the Series 7 and 66 licenses. Away from work, Sam enjoys traveling, reading , playing golf, and following Formula 1 racing and Premier League soccer.

Tim joined The Calao Group in 2019 as an intern before joining the team full-time in 2021. In his current role of Investment Consultant, Tim researches and analyzes investments, creates financial plans, maintains investment policy statements for corporate retirement plans, creates investment proposals, and monitors wealth management portfolios.

Tim graduated from Baylor University with a BBA in Management Information Systems and a BBA in Finance. He has continued his education by receiving his Certified Investment Management Analyst (CIMA^®) designation which gives him advanced knowledge of portfolio construction, risk management, and investment theory. Additionally, it allows him to provide bespoke solutions for a wide range of financial pictures and helps him guide clients to optimized outcomes.

Committed to serving his community, Tim supports Special Olympics Texas, and—as a member of the Austin Young Men’s Business League—he also supports Austin Sunshine Camps. Outside of work, Tim enjoys beekeeping, playing volleyball, and swimming.

Natalia has been a part of The Calao Group since 2020. In her role as Client Service Associate, she focuses on providing clients with day-to-day services, including transferring assets, opening accounts, handling client communication, and assisting with online services.

Natalia attended McLennan Community College where she studied music and vocal performance. In order to better serve clients, Natalia is working toward obtaining her securities license.

Natalia supports the Waco ISD Education Foundation through her annual participation in the H-E-B Celebrity Cookoff. Additionally, Nat serves her church as a member. Outside of work, Natalia spends her time baking, playing piano, singing, gardening, and spending time with her dog Ava.

Sarah Rosnick is a highly accomplished Senior Operations Executive with a proven track record of success across a wide range of industries, including technology, defense, healthcare, and pharmaceuticals. Her extensive expertise in designing, troubleshooting, and optimizing integrated production workflows demonstrates her adaptability and ability to enhance performance and efficiency in any setting.

With a unique combination of strategic thinking, risk management, crisis response, and data analytics skills, Sarah excels at analyzing complex problems and operational risks, identifying root causes, and implementing innovative solutions to bridge gaps and address security vulnerabilities. Her meticulous attention to detail, practical problem-solving approach, and commitment to follow-through have driven operational excellence.

Throughout her career, Sarah has demonstrated exceptional leadership and team management abilities, guiding high-performing teams through demanding situations and global crises. Her achievements include rapidly remediating $22B+ of PCI compliance exposure at Stripe Inc., driving Facebook's fastest health policy launches to combat COVID-19 vaccine misinformation, and delivering 100% on-time global launches across hardware platforms, software applications, and digital fulfillments at Dell Inc.

Sarah's expertise extends beyond operations to encompass supply chain management, logistics planning and execution, strategic thinking, risk management, crisis and incident response, data analytics and reporting, communication, and continuous improvement. Her collaborative approach and ability to build effective relationships have driven successful initiatives across multiple organizations.

With a Bachelor's degree in International Relations from the United States Military Academy at West Point, dual International Executive MBAs from Purdue University and TIAS School for Business & Society, and ongoing Ph.D. studies in Communication and Information Design at Clemson University, Sarah's impressive academic background and substantial professional accomplishments create a formidable combination that positions her as a remarkably well-rounded and proficient leader.

Her commitment extends beyond business, as she harbors a fervent passion and unwavering dedication to the exhilarating sport of competitive and award-winning dressage. This harmonious blend of intellectual prowess and equestrian pursuits distinguishes Sarah as a multifaceted individual with an exceptional capacity to excel in diverse domains.

Alec initially joined The Calao Group in 2018 before leaving to pursue a career in banking. While in banking, Alec gained experience helping small businesses start and grow their businesses by providing tailored financing solutions. In 2022, Alec returned to The Calao Group. As an Investment Consultant, Alec helps with investment research, servicing corporate retirement plan clients, coordinating with plan providers, and creating financial plans.

Alec attended Covenant College where he earned his degree in History. To further enhance his education, Alec obtained his Chartered Retirement Planning Counselor (CRPC^®) designation which gives the ability to work closely with clients and their families to build retirement plans that meet their specific needs.

Out of the office, Alec serves on the board of the Waco Symphony Association and leads their Concerto Circle. He enjoys spending time with his wife Annie and his daughter Carter, playing golf, and trying out new restaurants.