Robert J Balasavage
Senior Vice President, Financial Advisor
Phone:
(717) 519-3204(717) 519-3204
The Cardinal Group at Morgan Stanley
Direct:
(717) 519-3227(717) 519-3227
Toll-Free:
(800) 873-0990(800) 873-0990
Our Mission Statement
Comprehensive wealth planning strategies for your life and legacy
The Cardinal Group
The Cardinal Group at Morgan Stanley is a team of experienced Financial Advisors who are committed to helping our clients in their quest for financial independence. Our comprehensive planning approach encompasses customized investment management but goes far beyond your portfolio to address issues as diverse as retiring as anticipated and leaving a meaningful legacy. Equally important, we are backed by the vast resources of Morgan Stanley, one of the world's most respected financial services firms. As a result, we can access a wide network of experienced professionals, whenever necessary, to help you meet even your most complex challenges.
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
While we are known for our investment experience, our resources extend to virtually every aspect of your financial life. We provide access to a wide variety of specialists who can help pursue your specific goals.
Location
300 Granite Run Dr
Ste 300
Lancaster, PA 17601
US
Direct:
(717) 519-3227(717) 519-3227
Toll-Free:
(800) 873-0990(800) 873-0990
Meet The Cardinal Group
Bryant J Ferris
Senior Vice President, Branch Manager, Financial Advisor
Phone:
(610) 478-4555(610) 478-4555
Michela Potocki
Vice President, Financial Advisor
Phone:
(717) 519-3237(717) 519-3237
Matthew P Balasavage
Vice President, Financial Advisor
Phone:
(717) 519-4969(717) 519-4969
Melissa Heinley
Portfolio Associate
Jen Aten
Financial Planning Analyst
Marissa Ferris
Financial Advisor Associate
Phone:
(717) 992-2680(717) 992-2680
Kimberly Warnek
Senior Client Service Associate
Phone:
(717) 519-3208(717) 519-3208
Hayden Reese
Client Service Associate
Phone:
(717) 519-3234(717) 519-3234
About Robert J Balasavage
Provides financial strategies for individuals, families and institutions with a special focus on fixed income products and retirement income planning
More than 28 years of financial services experience
Graduate of Mansfield University with an MBA in finance from St. Joseph's University
Former banker who completed the Central Atlantic School of Banking at Bucknell University
Served on various boards and committees at Sacred Heart School in Lancaster and at Lancaster Catholic High School
More than 28 years of financial services experience
Graduate of Mansfield University with an MBA in finance from St. Joseph's University
Former banker who completed the Central Atlantic School of Banking at Bucknell University
Served on various boards and committees at Sacred Heart School in Lancaster and at Lancaster Catholic High School
Securities Agent: NJ, NH, SC, OH, IL, TX, TN, NC, VA, HI, GA, CO, AZ, RI, MI, FL, DC, NM, AK, WA, MD, IA, PA, NY, NV, MA, DE, WY, SD, PR, CT, CA, AL; BM/Supervisor; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1274656
NMLS#: 1274656
About Bryant J Ferris
• Focuses on retirement income planning and develops wealth management strategies that can help individuals, families and institutions meet their financial goals
• Joined Morgan Stanley in 1993
• Graduate of Duquesne University
• Currently serves as President of the Pequea Valley School Board of Directors
• Husband of 27 years to Beth; Father to Marissa and Jenna; Father-in-law to Wilbert; and dog parent to Izzy, Bennie, and Carl
• Trained in several marital arts, currently training in Krav Maga
• Fanatic follower of the Philadelphia Eagles and Phillies
• Joined Morgan Stanley in 1993
• Graduate of Duquesne University
• Currently serves as President of the Pequea Valley School Board of Directors
• Husband of 27 years to Beth; Father to Marissa and Jenna; Father-in-law to Wilbert; and dog parent to Izzy, Bennie, and Carl
• Trained in several marital arts, currently training in Krav Maga
• Fanatic follower of the Philadelphia Eagles and Phillies
Securities Agent: ND, NE, NJ, NM, NV, NY, OH, PA, PR, RI, SC, SD, TX, UT, VA, WA, WI, WY, WV, VT, VI, TN, OR, OK, NH, ME, KY, KS, ID, AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, IL, IN, LA, MA, MD, MI, MN, MO, MS, MT, NC; BM/Supervisor; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1278923
NMLS#: 1278923
About Michela Potocki
Creates and maintains customized financial and retirement plans that address current needs and future goals for individuals, families and businesses
Began her career in financial services in 1996 at Wilmington Trust Company, where she spent 14 years working with ultra high net worth, multigenerational families providing guidance for trusts and estate planning
A Certified Trust and Financial Advisor with a B.S. in business administration from Goldey Beacom College.
Member of Cannon Graduate School, she lives in Manheim Township with her husband, Kurt, and 2 young sons.
Began her career in financial services in 1996 at Wilmington Trust Company, where she spent 14 years working with ultra high net worth, multigenerational families providing guidance for trusts and estate planning
A Certified Trust and Financial Advisor with a B.S. in business administration from Goldey Beacom College.
Member of Cannon Graduate School, she lives in Manheim Township with her husband, Kurt, and 2 young sons.
Securities Agent: MD, DE, AK, CO, VA, SC, NH, IA, RI, NC, CT, CA, SD, PR, PA, AL, WV, WY, GA, WA, NY, MI, AZ, NV, NJ, IL, FL, DC, TX, MA, HI, OH, NM; General Securities Representative; Investment Advisor Representative
NMLS#: 524361
NMLS#: 524361
About Matthew P Balasavage
Provides highly customized advice to individuals and families in Lancaster County, the surrounding areas and across the country
Guides retirees and those planning for retirement through a personalized approach that includes a thorough planning process and a commitment to outstanding service
Joined Morgan Stanley in 2015 after serving as a loan officer with Susquehanna Bank for three years
Graduate of Temple University and current board member for the Lancaster Chapter of the Temple Alumni Association
Played four years of collegiate football and was signed as a free agent by the Baltimore Ravens
Guides retirees and those planning for retirement through a personalized approach that includes a thorough planning process and a commitment to outstanding service
Joined Morgan Stanley in 2015 after serving as a loan officer with Susquehanna Bank for three years
Graduate of Temple University and current board member for the Lancaster Chapter of the Temple Alumni Association
Played four years of collegiate football and was signed as a free agent by the Baltimore Ravens
Securities Agent: NJ, HI, AZ, WY, TX, RI, NY, MD, IA, AK, MI, CT, CA, NV, PR, FL, WV, SD, PA, OH, DE, DC, AL, NC, IL, WA, VA, GA, CO, NH, MA, SC, NM; General Securities Representative; Investment Advisor Representative
NMLS#: 1146896
NMLS#: 1146896
About Melissa Heinley
Serves as the team's Portfolio Associate. She takes the time to personally know each of our clients and provide them with exceptional service in a variety of operational functions
More than 20 years with Morgan Stanley
More than 20 years with Morgan Stanley
About Jen Aten
• Creates personalized goals-based financial plans for clients of The Cardinal Group
• Manages the financial planning process for the entire team
• Started her career in financial services in 2001
• Joined Morgan Stanley in 2016
• Attended Lebanon Valley College
• Manages the financial planning process for the entire team
• Started her career in financial services in 2001
• Joined Morgan Stanley in 2016
• Attended Lebanon Valley College
About Marissa Ferris
• Provides customized plans and advice to individuals, families, and businesses to help achieve financial goals
• Joined Morgan Stanley in 2024 after working for an asset management firm for six years, where she provided investment advice to financial advisors around the country
• Graduate of Elizabethtown College with a B.S. in Business Administration
• Played two years of collegiate basketball and currently resides in Austin, TX with her husband Will, and three dogs
• Joined Morgan Stanley in 2024 after working for an asset management firm for six years, where she provided investment advice to financial advisors around the country
• Graduate of Elizabethtown College with a B.S. in Business Administration
• Played two years of collegiate basketball and currently resides in Austin, TX with her husband Will, and three dogs
Securities Agent: AK, OR, NM, IN, OH, ID, FL, DE, UT, TN, SC, MS, WY, WV, TX, SD, NC, KY, HI, CT, WI, NH, LA, RI, IA, WA, PR, NV, MN, CA, AR, PA, MT, MA, GA, AL, NJ, AZ, VA, ND, MD, IL, NY, NE, MI, KS, DC, CO; General Securities Representative; Investment Advisor Representative
About Kimberly Warnek
• Kim serves as the teams Senior Client Service Associate
• Joined Morgan Stanley in 2000
• Kim provides personal and detailed attention while servicing
clients and their financial needs
• Kim resides in Lancaster with her husband Steve and children, Leila and Connor
• Joined Morgan Stanley in 2000
• Kim provides personal and detailed attention while servicing
clients and their financial needs
• Kim resides in Lancaster with her husband Steve and children, Leila and Connor
About Hayden Reese
•Hayden Joined Morgan Stanley In 2023
•He is a Client Service Associate with a focus on web support
•Hayden lives in Lancaster with his Fiancé Jill and their two cats
•He is a Client Service Associate with a focus on web support
•Hayden lives in Lancaster with his Fiancé Jill and their two cats
Contact Robert J Balasavage
Contact Bryant J Ferris
Contact Michela Potocki
Contact Matthew P Balasavage
Hear from Our Clients
Michela and her team are great to work with. They are easy to contact and respond quickly if you leave a message. She has done a great job with my investments and I always look forward to our meetings.
Sheila
Verified ClientJanuary 3, 2024
Testimonial(s) solicited by Morgan Stanley and provided by current client(s) at the time of publication. No compensation of any kind was provided in exchange for the client testimonial(s) presented. Client testimonials may not be representative of the experience of other clients and are not a guarantee of future performance or success.
3846129 9/24
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Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
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Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
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- Traditional Investments
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- Impact Investing
Philanthropy
Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
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Donor Advised Funds: A Smart Way to Manage Your Giving
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Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
Ready to start a conversation? Contact The Cardinal Group today.
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
3Investors should consider many factors before deciding which 529 plan is appropriate. Some of these factors include: the Plan’s investment options and the historical investment performance of these options, the Plan’s flexibility and features, the reputation and expertise of the Plan’s investment manager, Plan contribution limits and the federal and state tax benefits associated with an investment in the Plan. Some states, for example, offer favorable tax treatment and other benefits to their residents only if they invest in the state’s own Qualified Tuition Program. Investors should determine their home state’s tax treatment of 529 plans when considering whether to choose an in-state or out-of-state plan. Investors should consult with their tax or legal advisor before investing in any 529 Plan or contact their state tax division for more information. Morgan Stanley Smith Barney LLC does not provide tax and/or legal advice. Investors should review a Program Disclosure Statement, which contains more information on investment options, risk factors, fees and expenses and possible tax consequences.
4Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
5Morgan 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
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.
7Morgan 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.
8Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
9Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
3Investors should consider many factors before deciding which 529 plan is appropriate. Some of these factors include: the Plan’s investment options and the historical investment performance of these options, the Plan’s flexibility and features, the reputation and expertise of the Plan’s investment manager, Plan contribution limits and the federal and state tax benefits associated with an investment in the Plan. Some states, for example, offer favorable tax treatment and other benefits to their residents only if they invest in the state’s own Qualified Tuition Program. Investors should determine their home state’s tax treatment of 529 plans when considering whether to choose an in-state or out-of-state plan. Investors should consult with their tax or legal advisor before investing in any 529 Plan or contact their state tax division for more information. Morgan Stanley Smith Barney LLC does not provide tax and/or legal advice. Investors should review a Program Disclosure Statement, which contains more information on investment options, risk factors, fees and expenses and possible tax consequences.
4Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
5Morgan 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
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.
7Morgan 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.
8Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
9Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Testimonial(s) solicited by Morgan Stanley and provided by current client(s) at the time of publication. No compensation of any kind was provided in exchange for the client testimonial(s) presented. Client testimonials may not be representative of the experience of other clients and are not a guarantee of future performance or success.
Awards Disclosures
CRC 6491812 (04/2024)
