Citadel Point Wealth Management at Morgan Stanley

Mike Malz has 23 years of experience consulting affluent families, business owners and corporations regarding their qualified and non-qualified plans by delivering investment services to both plan sponsors and participants. His practice is built on the principles of honesty, trust, attention to detail and commitment to client goals - these core beliefs remain the foundation of his practice today. After years of supporting 401(k) plans, Mike was awarded the distinguished Corporate Retirement Director (CRD) designation within Morgan Stanley, which is held by less than 3% of the financial advisors in the firm. The CRD designation recognizes advisors who have dedicated their practice to helping corporate clients manage all aspects of their retirement plans. Mike works with Plan Sponsors, Trustees and Investment Committees to assist them in managing their fiduciary duties. He has extensive experience in helping plan sponsors develop Investment Policy Statements, select appropriate money managers, educate participants, conduct plan benchmarking and manage RFP’s. Mike also obtained MS's Financial Wellness Director title due to his experience and commitment of improving retirement plan participant financial literacy. Mike earned Morgan Stanley’s Governmental Entity Specialist (GES) designation due to his experience with consulting to municipalities. He was proud to be recognized for his industry experience, compliance record and client-centric approach by Forbes in 2021 as a Best-in-State Wealth Advisor.
Our Lehigh Valley Group was also recognized in the National Association of Plan Advisors (NAPA) 2020 top team list. We were further honored to be recognized by the Financial Times as a 2020 Top Retirement Advisor.

Mike earned the CERTIFED FINANCIAL PLANNER™ (CFP^®) and MS’s Family Wealth Director designations by meeting rigorous education, examination, experience and ethics requirements. Additionally, Mike is a Chartered Retirement Plans Specialist℠ (CRPS^®), a Qualified Plan Financial Consultant (QPFC^®) and a Certified 401(k) Professional (C(K)P^®) earned through the UCLA Anderson School of Management. Mike also obtained MS's Senior Portfolio Manager and Senior Investment Management
Consultant designations. He is a member of the National Association of Plan Advisors (NAPA), Association of Professional Investment Consultants (APIC) and Retirement Advisor Council. His investment and advisory registrations include Series 7, 31, 63, and 65 licenses and he holds Pennsylvania Life, Accident and Insurance licenses.

Prior to joining the firm in 1999, Mike served as a military police officer in the U.S. Army. Mike graduated with honors from The Pennsylvania State University with a Master in Business Administration (M.B.A.) and Summa Cum Laude with a B.A. from St. Leo University.

In his personal time, Mike supports numerous charities and is an active member of the American Legion and Veterans of Foreign Wars (VFW). He also enjoys spending time with his family, martial arts and motorcycle riding.

Financial Times 401 Top Retirement Advisors
Source: ft.com (Awarded Oct 2020) Data compiled by Financial Times based on time period from 12/31/16 - 12/31/19.

Forbes Best-In-State Wealth Advisors
Source: Forbes.com (Awarded Feb 2021) Data compiled by SHOOK Research LLC based on time period from 6/30/19 - 6/30/20.

2020 NAPA’s Top DC Advisor Teams
Source: napa-net.org (March 2021) Data compiled by NAPA based on self-reported assets under advisement as of Dec 31, 2020.

Clay Collins, a Certified Investment Management Analyst^® (CIMA^®) and designated Alternative Investment Director within Morgan Stanley is dedicated to serving his clients through continued education, experience and some of the highest standards of ethics within the financial services industry. CIMA^® professionals have the advanced investment management knowledge necessary to serve affluent individuals, families and institutions, and use that in-depth knowledge to analyze and hand select the investment solutions that most closely align with your goals and objectives.

We look forward to learning more about you and sharing our process that is designed to help enrich your life both now and in the future. The Lehigh Valley Group at Morgan Stanley believes that every individual, family and institution should be motivated to get the most out of today. Our mission is to support those we serve by creating a plan that isn’t just numbers on a page. Your plan will be designed to optimize your resources for tomorrow and provide you and those you care about with a comprehensive plan about their financial future. Our collaborative, risk-aware and results oriented approach starts with gaining an understanding of your “why”. Each member of our team is dedicated to delivering personalized service to all those we serve and maintaining a clear focus throughout our relationship on what is important to you.

Clay earned the CERTIFIED FINANCIAL PLANNER^® designation in 2007 through rigorous training in 72 areas of financial planning training and must accrue 30 hours of continuing education credits every two years. As a CERTIFIED FINANCIAL PLANNER^® he is held to the Standards of Professional Conduct and Code of Ethics written by the CFP Board. He earned the Certified Investment Management Analyst (CIMA^®) designation in 2013 by completing the executive education program at The Wharton School and passing a stringent Certification Exam. He is required to comply with the Institute’s Code of Professional Responsibility and stay updated on industry trends, laws and products with 40 hours of education every two years, including two hours of ethics training. Clay holds Morgan Stanley’s Corporate Retirement Director, Governmental Entity Specialist (GES) and the Alternative Investment Director (AID) designation. Additionally, he is a Chartered Retirement Plans SpecialistSM (CRPS^®) and Chartered Retirement Planning CounselorSM (CRPC^®). He is a member of the Investments & Wealth Institute and National Association of Plan Advisors. His investment and advisory registrations include Series 7 and 66.

Prior to rejoining the firm, Clay worked as a Regional Retirement Specialist at American Century Investments and as a Regional Retirement Director at Morgan Stanley. During his time at American Century he was recognized with the 2017 Sales Leadership Award, 2018 Guiding Principle Recognition for Inspiration and 2019 was inducted into the firm’s Circle of Honor.

When he is not serving valued clients, Clay enjoys spending time with his wife, Julie and two children, Sean and Avery, on vacation, at the shore or on the sports field. He supports numerous charities focused on supporting our Armed Services, eradicating cancer and the development of our children. His two favorite hobbies are golfing and fishing with family and friends.

Nicholas Tardy is a CERTIFIED FINANCIAL PLANNER^® and designated financial planning specialist within Morgan Stanley. Nick is dedicated to serving affluent families, business owners and plan participants by providing financial education and a thoughtful investment management approach. He starts all relationships with a financial plan and then based on that plan he builds a customized portfolio to help clients achieve their wishes. Nicks approach is based on developing a deep understanding of each clients specific goals then developing an individualized strategy. Nick is developing his practice around one simple philosophy: always put the client’s needs first.

We look forward to learning more about you and sharing our process that is designed to help enrich your life both now and in the future. The Lehigh Valley Group at Morgan Stanley believes that every individual, family and institution should be motivated to get the most out of today. Our mission is to support those we serve by creating a plan that isn’t just numbers on a page. Your plan will be designed to optimize your resources for tomorrow and provide you and those you care about with a comprehensive plan about their financial future. Our collaborative, risk-aware and results oriented approach starts with gaining an understanding of your “why”. Each member of our team is dedicated to delivering personalized service to all those we serve and maintaining a clear focus throughout our relationship on what is important to you.

Nick is a CERTIFIED FINANCIAL PLANNER™ (CFP^®) The CFP Board requirements include professional conduct and regulation, general principles of financial planning, education planning, risk management and insurance planning, investment planning, tax planning, retirement savings and income planning and estate planning. Nick is a Chartered Retirement Plans Specialist^® (CRPS^®) from the College of Financial Planning as well as a Qualified Plan Financial Consultant (QPFC). The Lehigh Valley Group also earned the distinct honor by the National Association of Plan Advisors in 2019, 2020 as a Top DC Advisor team. He is a member of the Investments & Wealth Institute and National Association of Plan Advisors. His investment and advisory registrations include Series 7 and 66.

Prior to joining The Lehigh Valley Group at Morgan Stanley, Nick earned a Degree in Finance from The University of Delaware and served as president of the Kappa Alpha Order. In his personal time, Nick has many charities that he supports and some of those include the March of Dines, Muscular Dystrophy Association and Make-A-Wish Foundation. He also enjoys spending time with his family and friends in Staten Island, NY where he was born and raised, playing golf and attending just about any sporting event.

2019, 2020 NAPA's Top DC Advisor Teams
Source: Source: napa-net.org (Awarded 2019, 2020) Data compiled by NAPA based on self-reported assets under advisement as of Dec 31 of the year prior to year the award was given.

Adrianne has over 22 years of experience with Morgan Stanley working with Human Resource Managers, Finance Staff and Plan Administrators in managing the day-to-day activities of corporate retirement plan clients. As a performance driven professional, Adrianne also facilitates the coordination of the family advisory practice. Her responsibilities include preparation of client reviews and processing service requests. She strives to improve the overall client service experience. She was promoted to Group Director in 2022.

Her previous roles with the company included Registered Client Service Associate, Operations Generalist and Cashier. Her duties included numerous administrative functions and she worked to help ensure compliance with all regulatory policies and control procedures.

Adrianne graduated with a Bachelor of Science in Business Management from Kutztown University in 2002 and is a graduate of Emmaus High School. She enjoys spending time with her husband, Jeremy, and two children, Mikayla and Aaron. She volunteers in the East Penn School District by assisting teachers with various educational activities in the classroom. She also devotes her free time to the Lower Macungie Youth Association by coaching children and promoting team work.

David Gossett, CFA^®, QPA^®, CRPS^® is the Director of Business Strategy with Graystone Consulting, operating out of the team’s Cleveland, Ohio office. With over 12 years of technical consulting experience in the qualified plan domain, David joined Graystone Consulting in 2015. His contributions have been pivotal in enhancing technical retirement plan design, addressing regulatory compliance challenges, spearheading vendor negotiations, refining institutional reporting practices, and spearheading research and strategy initiatives. David is also involved in the group’s model delivery, equity, fixed income, ETF, alternatives, and recordkeeper due diligence, bolstering Graystone’s positioning at the forefront of the industry in both qualitative research and quantitative efficiency.

David’s academic foundation was laid at the Honors College at the University of Akron, where he achieved a B.A. in Corporate Finance. An ardent believer in continuous learning, his subsequent years were marked by significant professional achievements. In 2013, he earned the Qualified 401(k) Administrator (QKA) designation by the American Society of Pension Professionals and Actuaries (ASPPA). Further enhancing his credentials, 2016 saw him acquiring the Qualified Pension Administrator (QPA^®) designation from ASPPA, followed by the Chartered Retirement Plans Specialist (CRPS^®) designation, recognized by the College for Financial Planning. In 2020, he was awarded the Qualified 401(k) Consultant credential through ASPPA. Furthermore, David successfully passed all three levels of the CFA^® program and was awarded his CFA Charter in 2021. He is not only an active member but sits on the board of CFA Society Cleveland, advocating for the finance sector’s continuous growth and ethical integrity, overseeing the CFA research challenge, career day, and university ambassador programs during his service. David enjoys life in Tallmadge, Ohio, where he resides with his wife Megan and their beagle, Artie Rho.

Julie has 10 years of financial services experience working with wealth management and corporate retirement plan clients. She is focused on delivering exceptional service and timely and accurate reporting to our clients. She is responsible for our institutional billing, client reporting and addressing operational and administrative inquiries for the Graystone Metro NY | Allentown | Cleveland team. Additionally, she provides support for Adrianne Fox and the team for our wealth management client inquiries and action items.

Her prior experience within financial services was with Credit Suisse where she was a Vice President and was responsible for running the Equity Capital Markets business for the Private Bank. Prior to that she worked as a Client Service Associate and Branch Manager assistant during her time at Credit Suisse. She was awarded the OneCSFB award for her work on the Google Dutch Auction IPO.

Julie graduated with a Bachelor of Science in Communication from the University of Delaware in 2000. She enjoys spending time with her husband, Clay, and two children, Avery, and Sean. Their favorite activities include tennis, skiing and hanging at the beach. She has been actively volunteering within the Little Silver and Red Bank school system.

Robert McPeake brings 4 years of industry experience to Morgan Stanley, focused in portfolio management, investment implementation, and administrative operations. Before joining Morgan Stanley, Robert worked at SEI, where he was responsible for overseeing investment strategies and ensuring seamless portfolio execution. Robert also, previously contributed to Vanguards renowned investment team, refining their expertise in asset allocation and performance analysis. Robert is a graduate from Temple University, Fox School of Business. Robert holds a solid foundation in finance and investment management and is committed to leveraging his skills to deliver strategic solutions and enhance overall client experience. Outside of work, Robert enjoys playing golf and spending time with friends and family.