Our Story

At The Four Lakes Group at Morgan Stanley, we work with our clients to help them address the most important challenges in their financial lives such as retirement planning and investment management.

Our comprehensive approach to wealth management goes beyond just investment planning to help address any unease our clients may face.

Our client-centered relationships give us a holistic financial picture which allows us to give prudent and meaningful advice as different situations present themselves and our clients evolve. As your family’s financial coaches, we seek to become your go-to advisors.
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*

Working With You

Our consultative process begins with an in-depth discussion of your current finances and future objectives. We’ll help address issues you might have overlooked that can have a significant impact on your ability to retire as planned. Finally, we’ll determine how we can help you adjust your investment strategy as necessary to accommodate changing conditions and meet any unforeseen expenses and income demands that may arise during retirement.

    Location

    1241 John Q Hammons Dr
    Suite 100
    Madison, WI 53717
    US
    Direct:
    (608) 829-4344(608) 829-4344
    Toll-Free:
    (800) 776-7797(800) 776-7797

    Meet The Four Lakes Group

    About Me

    Carlyn and her husband, Dale, live on Lake Wisconsin and enjoy boating and skiing.  Both are avid UW Badgers fans.  Carlyn has previously held a position on the executive committee of the Crazylegs Classic Run, one of the UW’s largest fundraising events.  She has also been active in Waunakee Rotary and tutoring programs.  She enjoys gourmet cooking, travel and reading.

    Carlyn is a Certified Financial Planner (CFP®), Vice President of Wealth Management and a Financial Advisor at Morgan Stanley.  She has been recognized as having completed extensive training and has demonstrated a high level of knowledge in investments and financial planning for high net worth clients.

    Carlyn has more than 30 years of financial services experience, having been with UBS Financial Services and serving as Branch Manager of the Madison Piper Jaffray office prior to their acquisition by UBS.  Prior to Piper Jaffray, Carlyn worked at Merrill Lynch providing integrated solutions for her high net worth clients.
    Securities Agent: WI, TX, WA, VA, TN, PA, OR, OK, NY, NV, NM, NE, NC, MT, MO, MN, MI, ME, MD, KY, IN, IL, IA, GA, FL, CO, CA, AZ, AL, AK; Managed Futures; General Securities Representative; BM/Supervisor; Investment Advisor Representative
    NMLS#: 1282370

    About Me

    Cindy Witt, First Vice President, Wealth Advisor, began her career in the financial services industry in 1989 at a regional brokerage firm, Blunt, Ellis & Lowei.  In 1993, she helped open the Dean Witter office in Madison, WI which has since become Morgan Stanley.
     
    Cindy believes in long-term investment strategies such as asset allocation that is designed to help maximize investment returns while reducing overall risk to investment portfolios.  Cindy and her team work with individual investors and families to help them achieve their specific investment objectives while keeping generational planning and tax planning in mind.

    Cindy is a former YWCA-Madison board member and is active in her local food pantry.  She and her husband, Ted, reside in Waunakee, WI and enjoy golfing, traveling and spending time with their children and grandchildren.
     
    If you would like to contact Cindy, please call 608-829-3257 or email her at cynthia.witt@morganstanley.com.


    Asset allocation does not guarantee a profit or protect against a loss in a declining financial market.
    Securities Agent: WI, TX, WA, VA, TN, PA, OR, NY, NV, NM, NE, NC, MT, MO, MN, MI, ME, MD, KY, IN, IL, IA, GA, FL, CO, CA, AZ, AL, AK; Managed Futures; General Securities Representative; BM/Supervisor; Investment Advisor Representative
    NMLS#: 1295572
    CA Insurance License #: 0H48593

    About Me

    Justin began his career in the financial services industry in 2008 and joined Morgan Stanley as a Financial Advisor in 2013.  He focuses on financial planning and investment management through a personalized and objective process that is unique to each situation.  

    Justin was named one of Madison’s InBusiness Magazine’s 40 Under 40 in 2018.  He is an active member of the Mount Horeb community serving as a volunteer instructor at the high school delivering financial education to local high school students.  He also serves on the board for the Mount Horeb Area Chamber of Commerce as well as the Vice-President of the local University of Wisconsin Alumni Association chapter. 

    Justin attained his personal finance degree from the University of Wisconsin-Madison in 2008 and earned his CERTIFIED FINANCIAL PLANNER™ designation in 2011.  Justin and his wife, Catie, reside in Mount Horeb with their children, Hudson and Iyla.
       
    If you would like to contact Justin, please call 608-829-3250 or email him at justin.goninen@morganstanley.com.
    Securities Agent: WI, WA, VA, TX, TN, PA, OR, OK, NY, NV, NM, NE, NC, MT, MO, MN, MI, ME, MD, KY, IN, IL, IA, GA, FL, CO, CA, AZ, AL, AK; General Securities Representative; Investment Advisor Representative
    NMLS#: 1297853
    CA Insurance License #: 0I61202

    About Me

    Tanya Zweifel is a Senior Client Service Associate with the Four Lakes Group at Morgan Stanley.  She began her career in the financial services industry in 2004 with UBS Financial Services prior to joining Morgan Stanley in 2010.
     
    Tanya is responsible for The Four Lakes Group's day-to-day administrative and operational activities and focuses on maintaining a high level of client service. 

    Tanya lives in Mount Horeb, WI with her husband, Mike, and their two children.   
    Investment and Market Perspectives

    On the Markets

    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
    The Simple Six-Step Retirement Checkup

    The Simple Six-Step Retirement Checkup

    Given market volatility in 2018, checking in on your retirement plan may be one of the wisest New Year’s resolutions you can make.

    Investing

    Working closely with you to guide your wealth and investments through the most challenging market cycles.
    • Asset Management
    • Wealth Planning
    • Traditional Investments
    • Alternative Investments
    • Impact Investing
    Investing in Artificial Intelligence and Automation

    Investing in Artificial Intelligence and Automation

    AI is an exciting growth area, but the investing opportunities are not always obvious. Here’s how to integrate this theme into your portfolio.

    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
    From Clueless to Clued In: Teaching Teens About Money

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    As your children grow into young adults, you can help them learn how to manage their own finances. Here’s how to go about it.

    Business Planning

    Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
    • Succession Planning
    • Business Planning
    • Retirement Plan Sponsors
    • Qualified Retirement Plans
    • Corporate Pension Funds
    Facing Financial Stress? Your Employer May Be Able to Help

    Facing Financial Stress? Your Employer May Be Able to Help

    Many of us face money worries. You may be able to get advice and education from an unexpected source.

    Philanthropy

    Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
    • Endowments
    • Foundations
    • Donor Advised Funds
    • Impact Investing
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    Choosing an Environmental Charity

    There are a multitude of non-profits dedicated to helping protect the environment. Here’s how to choose where you want to give.

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    Ready to start a conversation? Contact The Four Lakes Group today.
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