Our Story and Services

We bring together over 30 years of experience in financial services and take a collaborative approach that delivers the highest level of professional service to every client relationship. We’ve learned that clients who understand the value of financial planning and portfolio diversification are more likely to be successful, and thus we put all our efforts into these crucial cornerstones of goals-based planning and education. With us, you will learn about every aspect of your plan, what causes poor investment decisions and how together we can avoid them.

We apply significant knowledge and perspective to your wealth that takes advantage of the broad range of customized solutions and award-winning research available through Morgan Stanley. These encompass not only investments but also tax management, income planning, annuities, life and long-term care insurance.  We also focus on the liability side of your balance sheet, partnering with the firm’s private bank to offer lending capabilities and cash management solutions.

Think of us as your quarterback for all things involving your life and wealth. We can work in concert with your accountant on tax matters and your estate planning attorney on gifting and wealth transfer.
Services Include
  • Retirement Planning1
  • Long Term Care Insurance2
  • Municipal Bonds3
  • 401(k) Rollovers
  • 529 Plans4
  • Alternative Investments5
  • Annuities6
  • Asset Management7
  • Business Succession Planning8
  • Cash Management9
  • Certificates of Deposit10
  • Corporate Bonds11
  • Exchange Traded Funds12
  • Financial Planning13
  • Endowments and Foundations14
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*

Our Clients

We work closely with individuals, families and business owners saving for or already in retirement. As members of the local community for many years, we have become dedicated advisors to local 401(k) plans and employees of local companies who are transitioning from the accumulation phase of their careers to income distribution and legacy planning.

    How we help you succeed

    We provide cost-efficient portfolio construction, comprehensive wealth management, and ongoing discussions to earn your confidence and help you achieve your goals.
    • This material is intended only for clients and prospective clients of the Portfolio Management program. It has been prepared solely for informational purposes only and is not an offer to buy or sell or a solicitation of any offer to buy or sell any security or other financial instrument, or to participate in any trading strategy.

      The individuals mentioned as the Portfolio Management Team are Financial Advisors with Morgan Stanley participating in the Morgan Stanley Portfolio Management program. The Portfolio Management program is an investment advisory program in which the client’s Financial Advisor invests the client’s assets on a discretionary basis in a range of securities. The Portfolio Management program is described in the applicable Morgan Stanley ADV Part 2, available at www.morganstanley.com/ADV or from your Financial Advisor.

      Morgan Stanley Smith Barney LLC 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 visit us at http://www.morganstanleyindividual.com or consult with your Financial Advisor to understand these differences.

      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. 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.


      Fees charged may be negotiated based on a variety of factors, and the fee may be modified by Morgan Stanley upon notice to you. Morgan Stanley Smith Barney LLC. Member SIPC.

    Working With You

    Our top priority is to keep you and your entire family engaged in your financial plan and confident in your ability to achieve your goals and dreams. We do this by acting as coaches, providing education on market history to set proper investment expectations, and conducting in-depth seminars on topics ranging from Medicare and Social Security to behavioral finance and insurance. These efforts are designed to help you understand the role of specific strategies in your overall plan and promote successful long-term outcomes. Engaging with multiple generations also helps ensure financial preparedness and a smooth transition of wealth over time.

    We believe unsurpassed service is what sets us apart and where we can add the most value. We will always go the extra mile for you, covering not only your financial plan but every aspect of your life that impacts your wealth.

      Location

      2751 Centerville Rd
      Suite 104
      Wilmington, DE 19808
      US
      Direct:
      (302) 636-5542(302) 636-5542
      Toll-Free:
      (877) 801-4593(877) 801-4593

      Meet The Gandolfo/Lindia Group

      About Me

      My mission is to provide objective and timely advice and guidance to build and preserve wealth for successful individuals and families. By listening to your specific needs and future plans, I can develop strategies to help reach your financial goals. 

      As a CERTIFIED FINANCIAL PLANNER™ or CFP® since 2008, I am dedicated to putting your needs and best interests first, which means not only looking at your investment portfolio with a fresh perspective but also keeping your investments in stride with the rest of your life. 

      I earned a Bachelor of Arts degree in International Relations with an Economics minor from the University of Delaware and have been a financial advisor since 1999. I currently live in Greenville, Delaware with my wife, LeAnne, and our two children, Christopher and Ella. In my free time, I enjoy watching my kids play sports, coaching girls softball, spending time at the beach with my family, and playing golf.
      joseph.gandolfo@morganstanley.com
      302-636-5542



      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.
      Securities Agent: DE, WA, VA, TX, SC, PA, NY, NJ, NC, MI, MD, MA, GA, FL, DC, CT, AZ; General Securities Representative; Investment Advisor Representative
      NMLS#: 1316498

      About Me

      I bring a unique perspective to my role as a financial advisor, having spent four years training advisors at one of the country’s largest broker/dealers before deciding to focus on my current work with individual investors and small businesses. I am committed to building long-term relationships through education, a process that ensures you have a competent understanding of the various investment solutions and strategies available to help achieve your unique goals.

      As a Chartered Mutual Fund CounselorSM, a designation awarded by the College for Financial Planning, I understand that the financial landscape is ever changing and often creates anxiety for investors. I will help you build confidence in your financial plan regardless of the short-term fluctuations in the market.  I do this by listening intently to your needs and maintaining frequent and open communication.  I am also a firm believer that proper asset allocation can help reduce investment volatility.

      I earned a Bachelor of Arts in Psychology from the University of Delaware and have been in the financial services industry since 1999.  I currently live in Middletown, Delaware with my wife, Kim, and our three daughters, Isabella, Ava and Sophia. Away from work, I enjoy running, skiing and spending time at the Delaware beaches with my family.


      Asset allocation does not guarantee a profit or protect against a loss in a declining financial market.
      Securities Agent: DE, WA, VA, TX, SC, RI, PA, NY, NJ, NC, MI, MD, MA, GA, FL, DC, CT, CO, CA, AZ; General Securities Representative; Investment Advisor Representative
      NMLS#: 1316483
      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
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      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
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      Have extra money coming in? Here are ways to put your money to work for you now, so you can reap the rewards down the road.

      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
      Financial Transition: A Guide for Women

      Financial Transition: A Guide for Women

      Here's how to take control of your finances if a death or divorce leaves you holding the reins.

      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
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      Ready to start a conversation? Contact The Gandolfo/Lindia Group today.
      Market Information Delayed 20 Minutes
      Certified Financial Planner™ Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and CFP® (with flame logo)® in the U.S., which it awards to individuals who successfully complete CFP® Board's initial and ongoing certification requirements.

      1Morgan 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.

      2Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.

      3Income 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.

      4Investors 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.

      5Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are suitable only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.

      6Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.

      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 (“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.

      9Morgan 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

      10CDs are insured by the FDIC, an independent agency of the U.S. Government, up to a maximum of $250,000 (including principal and accrued interest) for all deposits held in the same insurable capacity (e.g. individual account, joint account, IRA etc.) per CD depository. Investors are responsible for monitoring the total amount held with each CD depository. All deposits at a single depository held in the same insurable capacity will be aggregated for the purposes of the applicable FDIC insurance limit, including deposits (such as bank accounts) maintained directly with the depository and CDs of the depository.

      11Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.

      12An investment in an exchange-traded fund involves risks similar to those of investing in a broadly based portfolio of equity securities traded on exchange in the relevant securities market, such as market fluctuations caused by such factors as economic and political developments, changes in interest rates and perceived trends in stock prices. The investment return and principal value of ETF investments will fluctuate, so that an investor's ETF shares, if or when sold, may be worth more or less than the original cost.

      13Morgan 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.

      14Morgan 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.

      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 suitable 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”) 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.


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