Robert Matluck
Managing Director, Wealth Management, Financial Advisor, Portfolio Manager
Phone:
(914) 225-1722(914) 225-1722
The MKMM Group at Morgan Stanley
Direct:
(914) 225-0777(914) 225-0777
Our Mission Statement
We offer sophisticated solutions to help high-achieving individuals and their families address the complex challenges of managing generational wealth.
Our Story and Services
We are a six-member team of highly experienced investing, wealth planning and client service professionals who bring a sophisticated perspective to the complex wealth management challenges of affluent families and individuals. Focusing our efforts on approximately 60 relationships, we craft highly customized strategies based on each client’s specific needs and aspirations. Rooted in investment strategy, these solutions often encompass wealth transfer planning, lending solutions, capital markets access, philanthropic structuring, and virtually any other aspect of their financial lives. Our goal is to provide the experienced perspective our clients need to make informed financial decisions, and access to whatever resources are required to put those decisions into action.
Collectively, our team has well over a century of experience helping high-achieving executives, entrepreneurs, fund managers and their families pursue their unique visions of successful lives. We look forward to learning more about your needs and goals, and to discussing the resources we can place at your disposal. To begin that conversation, please contact us at 914-225-0777 or at mkmm@morganstanley.com.
Forbes Best-In-State Wealth Management Teams
Source: Forbes (Awarded Jan 2025) Data compiled by SHOOK Research LLC for the period 3/31/23-3/31/24
Collectively, our team has well over a century of experience helping high-achieving executives, entrepreneurs, fund managers and their families pursue their unique visions of successful lives. We look forward to learning more about your needs and goals, and to discussing the resources we can place at your disposal. To begin that conversation, please contact us at 914-225-0777 or at mkmm@morganstanley.com.
Forbes Best-In-State Wealth Management Teams
Source: Forbes (Awarded Jan 2025) Data compiled by SHOOK Research LLC for the period 3/31/23-3/31/24
Services Include
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Comprehensive solutions for corporate executives.
At The MKMM Group, we help clients turn complexity into clarity. Our team partner with corporate executives, entrepreneurs, and multigenerational families to design strategies that align wealth with purpose. Whether is navigating concentrated stock positions, planning for retirement, or building a lasting legacy, we bring a disciplined process, institutional resources, and genuine care to every relationship.
These are some of the key questions to consider that could impact your finances as a corporate insider.
- Am I optimizing my executive benefits to get the most out of each opportunity?
- Should I liquidate some of my concentrated stock to strengthen my overall portfolio?
- Am I following all of the SEC rules as I sell my restricted stock?
- How do I protect my investments from the erosion of taxes?
- Interest rates are so low – how can I earn higher yields but keep my money safe?
- How do I make the best use of both sides of my balance sheet?
- How much do I really need to accumulate to continue my lifestyle in retirement?
- Does it make sense to pass down some of my wealth now . . . Or should I wait?
- Do I have enough life insurance?
- I want to help others with the wealth I've created – what is the best way to support a cause I care deeply about?
Strategic 10b5-1 Planning
The MKMM Group can run a coordinate approach to 10b5-1 Plans With the Morgan Stanley Legal Department and the Global Capital Markets. In doing so we are able to provide unique solutions tailored to your individual needs.
Stock Acquisition Strategies
At The MKMM Group we can organize and tailor your loans to your needs by securing them with the eligible restricted & control stock positions, including purpose (margin) loans and non-purpose loans.
Liquidity Solutions
At The MKMM Group we can organize and tailor your loans to your needs by securing them with the eligible restricted & control stock positions, including purpose (margin) loans and non-purpose loans.
Philanthropic Giving
Moreover, we take philanthropic goals into consideration - providing you with the ability to gift your restricted stock to individual, funds, foundations and organizations. In doing so on your behalf, our practice is able to coordinate your goals with issue policies, facilitates the re-registration of shares and integrate the benefits of donor-advised funds.
Our Process
We believe Wealth Management should feel personal, and proactive. Our process is designed to help you clarify your goals, build a customized strategy, and adjust as life evolves - with The MKMM Group guiding you every step of the way.
Step #1: Discovery - Understanding What Matters Most
Every relationships begins with a conversation. At The MKMM Group we take time to understand your family's history - your values, lifestyle, and long-term vision. We review your financial picture together, from balance sheets to estate plans, to get a clear understanding of where you stand today and where you'd like to be tomorrow.
Step #2: Wealth Strategies - Turning Goals into a Roadmap
Once we have identified what's important to you, we translate those insights into strategies build around your goals. Whether you are planning for retirement, education, or legacy, at The MKMM Group we help you craft a plan that reflects your priorities and adapts to life's changes.
Step #3: Asset Allocation - Building a Portfolio Around You
We don't believe in one-size fits-all investing. At the MKMM Group we develop personalized asset allocation model that reflects your time horizon, risk tolerance, and tax considerations. When opportunities arise, we help you make adjustments that keep your portfolio aligned with your goals.
Step #4: Implementation - Putting the Plan in Motion
With careful due diligence and access to Morgan Stanley's open-architecture platform, at The MKMM Group we implement investment strategies across a global investment landscape. Our objective is simple - to help create a balance and efficient portfolio deigned to pursue your goals while managing risk responsibilities.
Step 5: Assessment and Adjustments - Staying Aligned Through Life's Changes
We view financial planning as an ongoing partnership. At The MKMM Group we conduct regular reviews and provide transparent reporting to ensure your strategy evolves alongside your needs, helping you stay confident every stage of life.
Make the most out of your equity awards
Equity awards can be one of the most powerful ways to build long-term wealth, but they can also be complex. I work with clients to help them make sense of their company granted stock options, RSUs and employee stock purchase plan, turning these opportunities into intentional part of a broader financial strategy. Whether it's understanding vesting schedules, managing tax considerations, or building a plan to diversify over time, I will help you make confident, informed decisions that align with your goals.
- Equity Compensation Services
- Equity Award Analysis
- Specialized Solutions
Executive Services
While business leaders are busy driving change for their companies, I help them navigate the complexities that come with executive-level equity compensation. I provide concierge-level support — from 10b5-1 trading plans to Form 144 filings, access to specialized wealth-management strategies, and personalized tax-optimization approaches. My goal is to help clients move with clarity and confidence as their financial needs evolve.
Some of my services include:
Types of Equity Awards
Equity awards show up in different forms, each with its own opportunities and tax considerations. I help clients clearly understand how these awards fit into their bigger financial picture — from Restricted Stock Units (RSUs) that vest over time, to Stock Options that offer potential upside, to Employee Stock Purchase Plans (ESPPs) that allow employees to buy shares at a discount. By breaking down the mechanics behind each award, I help clients make informed decisions about when to hold, sell, or diversify so their equity works in alignment with their long-term goals.
Vesting & Tax Implications
As equity awards begin to vest, taxes and timing suddenly matter a lot more than people expect. I help clients stay ahead of those moments by breaking down what happens when shares vest, how different award types are taxed, and what strategies help them keep more of what they've earned. From planning around vesting schedules to managing capital gains exposure, my goal is to turn complex tax rules into confident, actionable decisions.
Liquidity & Diversification Strategies
When too much of someone's net worth is tied up in a single company's stock, balance becomes essential. I help clients turn concentrated equity into more diversified, resilient portfolios without losing sight of their goals.
Whether it's building a structured 10b5-1 selling plan, managing liquidity events, or aligning sales with appropriate tax considerations, I guide clients step-by-step, so they stay informed throughout the process.
Equity Award Analysis — What You Can Expect
Equity awards can significantly shape long-term wealth — but only if they're used strategically. I help clients explore ways to make the most of their awards today while preparing for the future, including charitable giving strategies and donor-advised funds.
My goal is to align equity decisions with the bigger financial picture, maximizing impact while mapping out what comes next.
Compliance & Trading Windows
Timing is critical — especially for executives and insiders. I help clients confidently navigate blackout periods, insider-trading policies, and pre-clearance requirements.
With structured trading plans and clear guidance, I make sure clients understand the rules, stay compliant, and keep their financial plans on track.
How Equity Compensation Can Benefit the Ones You Love
Equity compensation can play a meaningful role in estate and legacy planning. I help clients understand how proper planning can ensure a smooth transition of assets and protect the people they care about most. Whether it's incorporating equity into a broader wealth-transfer strategy or preparing for future generational needs, I support clients in making thoughtful, informed decisions for their loved ones.
Specialized Guidance for Life's Most Important Financial Transitions
Life brings moments that call for clarity and trusted guidance. Whether you are planning your estate, navigating a divorce, or exploring ways to optimize your strategy, at The MKMM Group we offer personalized support tailored to your goals. We take the time to understand what matters most to you - helping ensure your wealth continues to work in harmony with your life, your family, and your future.
Legacy & Estate Planning Strategies
Your legacy deserves a thoughtful plan. We you design strategies that preserve wealth, minimize tax exposure, and reflect your family's long-term vision. At The MKMM Group we work through close coordination with estate professionals, we ensure your plan remains relevant as circumstances and laws evolve.
Trust Coordination
Trust can play a vital role in projecting assets and achieving generational goals. At The MKMM Group we work with specialists to evaluate and coordinate trust structures, ensure they integrate seamlessly into your broader financial strategy while maintaining flexibility and control over your wealth.
Tax-Efficient Planning
Our team's deep investment and analytical expertise support strategies designed to enhance after tax-outcomes. From investing allocation to charitable giving, we help clients structure portfolios that balance growth potential with tax awareness and long-term efficiency.
Divorce Financial Planning
Life transitions such as divorce require objective and compassionate financial guidance. At The MKMM Group we count with certified divorce professionals to help clients evaluate settlement options, understand long-term implication, and rebuild their financial confidence with a clear plan forward.
Business Succession Plan
Preparing for the future of your business is essential to preserving both wealth and legacy. At The MKMM Group we help owners create succession plans that align with family objectives, support smooth transitions, and address tax liquidity considerations with foresight and precision.
Estate Equalizations & Family Dynamics
Balancing financial fairness among family members can be complex. Our team help you identify strategies, including the use of insurance and trusts, to aim for equitable outcomes while maintaining family harmony and ensuring your intentions are honored.
Location
2000 Westchester Ave 1nc
Purchase, NY 10577
US
Direct:
(914) 225-0777(914) 225-0777
Meet The MKMM Group
Lee Konopka
Managing Director, Wealth Management, Financial Advisor, Portfolio Manager
Phone:
(914) 225-1721(914) 225-1721
Jon Moskowitz
Senior Vice President, Wealth Management, Financial Advisor
Phone:
(914) 225-0152(914) 225-0152
Rachel McCormack, CDFA®, CRPC®, CIMA®
First Vice President, Wealth Management, Financial Advisor
Phone:
(914) 225-1723(914) 225-1723
Phone:
(914) 225-1094(914) 225-1094
Janine Nebbia
Sr. Registered Client Service Associate
Phone:
(914) 225-1725(914) 225-1725
Merita Hasanaj
Client Service Associate
Phone:
(914) 225-1012(914) 225-1012
About Robert Matluck
Drawing on four decades of diverse financial services industry experience, Bob Matluck crafts customized wealth management solutions for a select clientele of affluent families and individuals. A designated Portfolio Manager, Bob focuses on helping the team’s clients pursue their objectives by building and managing personalized strategies incorporating individual stocks and bonds and/or providing access to third-party investment strategies. He takes pride in building close, productive client relationships, many of which now span several decades and multiple generations.
Prior to joining Morgan Stanley in 2021, Bob spent nine years at Merrill Lynch as a Private Wealth Manager. He began his career as an Investment Advisor in the early 1980s at a regional brokerage firm. Seeking to gain institutional experience, he moved to the investment bank L.F Rothschild Unterberg, Towbin several years later. Bob and his partners went on to create C.E. Unterberg Towbin, a boutique investment bank that specialized in the technology sector. As President and Co-Chief Executive Officer, Bob orchestrated the successful sale of the firm. The experience he gained helping entrepreneurs monetize their business, as well as in his own entrepreneurial venture, continues to be a valuable resource for the team’s clients.
Bob holds a bachelor’s degree in finance from Washington University. He lives in Chappaqua, New York, with his wife and their three children, and is a member of the Whippoorwill Country Club.
Prior to joining Morgan Stanley in 2021, Bob spent nine years at Merrill Lynch as a Private Wealth Manager. He began his career as an Investment Advisor in the early 1980s at a regional brokerage firm. Seeking to gain institutional experience, he moved to the investment bank L.F Rothschild Unterberg, Towbin several years later. Bob and his partners went on to create C.E. Unterberg Towbin, a boutique investment bank that specialized in the technology sector. As President and Co-Chief Executive Officer, Bob orchestrated the successful sale of the firm. The experience he gained helping entrepreneurs monetize their business, as well as in his own entrepreneurial venture, continues to be a valuable resource for the team’s clients.
Bob holds a bachelor’s degree in finance from Washington University. He lives in Chappaqua, New York, with his wife and their three children, and is a member of the Whippoorwill Country Club.
Securities Agent: VA, IL, HI, DC, NV, NJ, WI, WA, UT, PA, NY, CO, AZ, TN, SC, FL, DE, RI, PR, NC, MO, MA, MT, GA, MD, CT, TX, IN, CA, VT; General Securities Principal; General Securities Representative; Investment Advisor Representative
NMLS#: 1123697
NMLS#: 1123697
About Lee Konopka
Building on over four decades of portfolio management experience, Lee Konopka brings a seasoned perspective to the personal investment needs of highly affluent families and individuals. Lee serves as the team’s de facto lead equity strategist, devoting the better part of his efforts to uncovering promising investment ideas and discussing them with clients. Combining research from Morgan Stanley’s analysts with investment insights from his extensive network on Wall Street, Lee seeks to craft highly customized portfolios designed to meet each client’s specific objectives. Lee enjoys sharing his passion for the equity markets with individual investors, and makes himself available to answer questions, discuss investment themes and make individual recommendations.
Prior to joining Morgan Stanley in 2021, Lee worked alongside his current partners at Merrill Lynch Private Wealth Management. Earlier in his career, he served as a Senior Vice President–Investments at UBS. He began his wealth management career at Smith Barney, a Morgan Stanley legacy firm.
Born and raised in Rye, New York, Lee graduated from Rye Country Day School and attended nearby Manhattanville College. Lee and his wife, Ann, still live in Rye, and have four adult children. Lee is active in the community, supporting several local charities, and is an avid golfer and tennis player.
Prior to joining Morgan Stanley in 2021, Lee worked alongside his current partners at Merrill Lynch Private Wealth Management. Earlier in his career, he served as a Senior Vice President–Investments at UBS. He began his wealth management career at Smith Barney, a Morgan Stanley legacy firm.
Born and raised in Rye, New York, Lee graduated from Rye Country Day School and attended nearby Manhattanville College. Lee and his wife, Ann, still live in Rye, and have four adult children. Lee is active in the community, supporting several local charities, and is an avid golfer and tennis player.
Securities Agent: AZ, DC, RI, NJ, MD, IL, UT, TX, NV, NC, MT, CT, CO, VA, PA, HI, GA, DE, VT, MO, IN, NY, TN, SC, PR, MA, WI, FL, WA, CA; General Securities Representative; Investment Advisor Representative
NMLS#: 1123612
NMLS#: 1123612
About Jon Moskowitz
Jon Moskowitz brings 15 years of diverse institutional investing and private wealth management experience to the service of a select clientele of affluent families and individuals. Focusing his attention on a relatively small number of relationships, Jon crafts comprehensive wealth management solutions to address each client’s specific investing, wealth transfer and philanthropic goals. These efforts typically require sophisticated asset allocation strategies to help entrepreneurs, executives and professional investors with concentrated equity positions, and managing partners of hedge funds and private equity funds with sizable illiquid positions.
Prior to joining Morgan Stanley in 2021, Jon spent seven years working alongside his current partners at Merrill Lynch. He began his career at C.E. Unterberg, Towbin Asset Management, where his team managed equity and alternative investments for institutional clients. When the firm was sold in 2007, Jon moved into equities sales and trading, providing research and sales coverage to hedge fund clients. He later joined a major investment bank as a fixed income trader.
Jon earned a bachelor’s degree in management from Tulane University and went on to earn an MBA from the University of Southern California, Marshall School of Business. He and his wife, Amanda, live in New York City with their two children. In his free time, Jon enjoys golf, skiing and travel.
Prior to joining Morgan Stanley in 2021, Jon spent seven years working alongside his current partners at Merrill Lynch. He began his career at C.E. Unterberg, Towbin Asset Management, where his team managed equity and alternative investments for institutional clients. When the firm was sold in 2007, Jon moved into equities sales and trading, providing research and sales coverage to hedge fund clients. He later joined a major investment bank as a fixed income trader.
Jon earned a bachelor’s degree in management from Tulane University and went on to earn an MBA from the University of Southern California, Marshall School of Business. He and his wife, Amanda, live in New York City with their two children. In his free time, Jon enjoys golf, skiing and travel.
Securities Agent: NJ, NC, FL, DC, TN, PA, WA, VA, SC, NY, MD, MO, HI, CT, IN, GA, CO, AZ, WI, VT, TX, RI, MT, SD, PR, IL, DE, CA, NV, MA, UT; General Securities Representative; Investment Advisor Representative
NMLS#: 1213814
NMLS#: 1213814
About Rachel McCormack
Rachel Bertsch McCormack draws on 20 years of financial services experience to help affluent families and individuals address the complex challenges of managing generational wealth. Rachel works to create highly customized and fully comprehensive wealth management plans based on each client’s specific objectives. Her goal is to organize and structure her clients’ investment portfolios, estate plans and philanthropic strategies so they can focus more of their time on family, business and career.
Prior to joining Morgan Stanley in 2021, Rachel spent 16 years at Merrill Lynch, where she developed extensive experience across capital markets, investment strategy, derivatives and OTC transactions. Among her many roles, Rachel served as a director in Merrill’s Investment Solutions group, where she coached Financial Advisors on portfolio construction and optimization. She previously worked in the Capital Markets Group, advising clients on tactical capital market solutions, including structured notes, new issues, Unit Investment Trusts and closed-end funds. She also advised clients on strategies to diversify, monetize and hedge concentrated stock positions. Her earlier positions included assignments in the office of the CIO, a tactical research desk and wealth management roles on teams in Vermont and New York.
Rachel holds a bachelor’s degree in business administration from the University of Vermont and has worked to advance her financial education ever since. She currently holds designations as a Certified Divorce Financial Analyst (CDFA®), Certified Investment Management Analyst (CIMA®) and Chartered Retirement Planning Counselor (CRPC®).
Rachel and her husband, Ryan, live in New York City with their three children. The McCormacks place great importance on giving back to the community, actively supporting a number of cancer treatment centers and research foundations. In her free time, she and her family enjoy hiking and skiing.
Prior to joining Morgan Stanley in 2021, Rachel spent 16 years at Merrill Lynch, where she developed extensive experience across capital markets, investment strategy, derivatives and OTC transactions. Among her many roles, Rachel served as a director in Merrill’s Investment Solutions group, where she coached Financial Advisors on portfolio construction and optimization. She previously worked in the Capital Markets Group, advising clients on tactical capital market solutions, including structured notes, new issues, Unit Investment Trusts and closed-end funds. She also advised clients on strategies to diversify, monetize and hedge concentrated stock positions. Her earlier positions included assignments in the office of the CIO, a tactical research desk and wealth management roles on teams in Vermont and New York.
Rachel holds a bachelor’s degree in business administration from the University of Vermont and has worked to advance her financial education ever since. She currently holds designations as a Certified Divorce Financial Analyst (CDFA®), Certified Investment Management Analyst (CIMA®) and Chartered Retirement Planning Counselor (CRPC®).
Rachel and her husband, Ryan, live in New York City with their three children. The McCormacks place great importance on giving back to the community, actively supporting a number of cancer treatment centers and research foundations. In her free time, she and her family enjoy hiking and skiing.
Securities Agent: RI, AZ, VT, UT, PR, SC, IL, DC, VA, NJ, WA, NV, MO, MD, FL, CO, PA, DE, CA, TX, TN, WI, MT, HI, MA, GA, NY, NC, IN, CT; General Securities Representative; Investment Advisor Representative
NMLS#: 1974535
NMLS#: 1974535
About Me
Drawing on more than 25 years of Wealth Management experience, Chris Viggiano crafts highly customized strategies for both corporate clients and their senior executives. As a Corporate Retirement Director, he offers retirement solutions that empower business clients with the ability to attract and retain key talent, while helping employees to confidently save and invest for their futures. Chris offers senior executives the experienced guidance needed to make informed financial decisions and put them into action. He excels at helping successful executives leverage concentrated equity positions and incentive stock compensation to pursue the multigenerational goals they have established for themselves and their families.
Prior to joining Morgan Stanley, Chris served as a Wealth Management Advisor and Resident Director of a segment of Merrill Lynch’s New York City field offices. He earned his B.S. in Biochemistry from Boston College.
A Brooklyn native and current resident, Chris enjoys spending his off hours with his wife and two daughters.
Prior to joining Morgan Stanley, Chris served as a Wealth Management Advisor and Resident Director of a segment of Merrill Lynch’s New York City field offices. He earned his B.S. in Biochemistry from Boston College.
A Brooklyn native and current resident, Chris enjoys spending his off hours with his wife and two daughters.
Securities Agent: RI, AL, NV, NJ, KY, CA, AR, UT, PR, IN, DE, DC, WV, NM, MO, IL, WA, TN, PA, NC, MA, WY, VA, MI, OK, OH, NY, MN, MD, IA, GA, AZ, TX, SC, ND, MS, ME, ID, VI, OR, NH, NE, MT, LA, FL, CT, CO, VT, SD, KS, AK, WI, HI; BM/Supervisor; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1317554
CA Insurance License #: 4078321
NMLS#: 1317554
CA Insurance License #: 4078321
About Janine Nebbia
A dedicated professional with over 25 years of financial services industry experience, Janine Nebbia plays a central role in delivering an exceptional overall service experience to clients of the MKMM Group. Janine is responsible for an extensive range of operational and administrative duties, and often serves as the first point of contact for clients. A highly organized and effective communicator, Janine is committed to exceeding expectations with every interaction.
Janine has spent the better part of her career working alongside the team’s senior partner, Bob Matluck. She began her career in asset management at C.E. Unterberg, Towbin in New York City, where she oversaw the operational and administrative needs of client investments in private placements and hedge funds. She moved with Bob to the private wealth management division of UBS Securities, on to Merrill Lynch and finally to Morgan Stanley in 2021. Janine earned her bachelor’s degree from New Hampshire College.
A resident of Cliffside Park, New Jersey, Janine is highly involved in her local community. She supports a number of nonprofit organizations, including Jersey Cares, Habitat for Humanity, Make-A-Wish Foundation and the American Cancer Society. In her free time, she enjoys watching football, especially her beloved New York Giants (she’s a season-ticket holder). Janine also likes watching tennis, cooking, traveling and spending time with family.
Janine has spent the better part of her career working alongside the team’s senior partner, Bob Matluck. She began her career in asset management at C.E. Unterberg, Towbin in New York City, where she oversaw the operational and administrative needs of client investments in private placements and hedge funds. She moved with Bob to the private wealth management division of UBS Securities, on to Merrill Lynch and finally to Morgan Stanley in 2021. Janine earned her bachelor’s degree from New Hampshire College.
A resident of Cliffside Park, New Jersey, Janine is highly involved in her local community. She supports a number of nonprofit organizations, including Jersey Cares, Habitat for Humanity, Make-A-Wish Foundation and the American Cancer Society. In her free time, she enjoys watching football, especially her beloved New York Giants (she’s a season-ticket holder). Janine also likes watching tennis, cooking, traveling and spending time with family.
About Merita Hasanaj
Merita Hasanaj is a Client Service Associate with three years of financial services experience. She provides operational and administrative support to her team’s Financial Advisors, ensuring seamless client onboarding, accurate recordkeeping, and efficient service. She also serves as a trusted point of contact for clients, taking pride in building strong relationships and creating a smooth, positive client experience.
Before beginning her career in Wealth Management, Merita gained hands-on experience working in her family’s restaurant business while earning her degrees. This background instilled in her a strong work ethic, adaptability, and organizational skills, along with valuable experience in customer service, teamwork, and time management. These qualities continue to shape her professional approach and enhance the support she provides clients today.
A graduate of Manhattanville University with a bachelor’s in business management and a master’s degree in human resource management, Merita is fluent in Albanian and an active supporter of local nonprofits. Based in Armonk, N.Y, she enjoys traveling, fitness, shopping, and spending time with family and friends.
Before beginning her career in Wealth Management, Merita gained hands-on experience working in her family’s restaurant business while earning her degrees. This background instilled in her a strong work ethic, adaptability, and organizational skills, along with valuable experience in customer service, teamwork, and time management. These qualities continue to shape her professional approach and enhance the support she provides clients today.
A graduate of Manhattanville University with a bachelor’s in business management and a master’s degree in human resource management, Merita is fluent in Albanian and an active supporter of local nonprofits. Based in Armonk, N.Y, she enjoys traveling, fitness, shopping, and spending time with family and friends.
Contact Robert Matluck
Contact Lee Konopka
Contact Jon Moskowitz
Contact Rachel McCormack
Contact Christopher Viggiano
The Power of Partnerships
By partnering with experienced individuals across wealth disciplines, Morgan Stanley Financial Advisors can align specialized resources with your custom needs and deliver strategic guidance through the familiarity and trust of existing relationships
Marianne Murphy
Private Banker
Ryan Kline
Planning Associate
About Marianne Murphy
Marianne Murphy is a Private Banker serving Morgan Stanley Wealth Management offices in New York and Connecticut.
Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Marianne began her career in financial services in 2015 and joined Morgan Stanley in 2018 as an Associate Private Banker in Midtown Manhattan. Prior to joining the firm, she was a Commercial Credit Underwriting Officer at BNB Bank.
Marianne is a graduate of the Saint Francis College, where she received a Bachelor of Science in Economics and Finance. She lives in South Norwalk, Connecticut with her husband. Outside of the office, Marianne enjoys kayaking and is always catching the latest released movies or Yankees game.
Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Marianne began her career in financial services in 2015 and joined Morgan Stanley in 2018 as an Associate Private Banker in Midtown Manhattan. Prior to joining the firm, she was a Commercial Credit Underwriting Officer at BNB Bank.
Marianne is a graduate of the Saint Francis College, where she received a Bachelor of Science in Economics and Finance. She lives in South Norwalk, Connecticut with her husband. Outside of the office, Marianne enjoys kayaking and is always catching the latest released movies or Yankees game.
NMLS#: 1732135
About Ryan Kline
Ryan Kline is a Planning Associate at Morgan Stanley providing dedicated financial planning support to Financial Advisors and their teams. Operating as an extension of the FA/Team, he collaborates with clients to discover and define the goals that matter most to them. Leveraging state of the art technology, he will evaluate various options and their potential outcomes to help clients confidently choose the appropriate course of action. Ryan provides expertise across a wide suite of Morgan Stanley planning tools designed to assist in the areas of investment accumulation, retirement, education, major purchase, cash flow, risk management, tax efficiency, and wealth transfer planning.
He earned his undergraduate degree from the University of Wisconsin–Madison and received the Financial Planning Specialist® designation from the College for Financial Planning. Ryan is originally from Potomac, MD and currently resides in New York, NY.
He earned his undergraduate degree from the University of Wisconsin–Madison and received the Financial Planning Specialist® designation from the College for Financial Planning. Ryan is originally from Potomac, MD and currently resides in New York, NY.
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Banking products and services are offered by Morgan Stanley Private Bank, National Association, Member FDIC.
Morgan 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
Important information about your relationship with your Financial Advisor and Morgan Stanley Smith Barney LLC when using a Financial Planning tool. When your Financial Advisor prepares a Financial Plan, they will act in an investment advisory capacity for thirty (30) days after the delivery of your Financial Plan. To understand the differences between brokerage and advisory relationships, you should consult your Financial Advisor, or review our “Understanding Your Brokerage and Investment Advisory Relationships,” brochure available at https://www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
You have sole responsibility for making all investment decisions with respect to the implementation of a Financial Plan. You may implement the Financial Plan at Morgan Stanley or at another firm. If you engage or have engaged Morgan Stanley, it will act as your broker, unless you ask it, in writing, to act as your investment adviser on any particular account.
Morgan 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.
Morgan 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.
When 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.
Wealth Management
From Our Team
Morgan Stanley: A Leader in Wealth Management
Wealth Management
Global Investment Office
Portfolio Insights
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
A Simple Six-Step Retirement Checkup
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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
Rational Investing in an Age of Uncertainty
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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
529 Plans: A Powerful Tool to Save for Education
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Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Financial Planning for Life After Selling a Business
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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
Retirement for Plan Sponsors
End-to-End Services, Made Simple:
We can provide the tools and guidance to help you manage a retirement plan.
We can provide the tools and guidance to help you manage a retirement plan.
- Plan Evaluation
- Investment Management
- Plan Management Support
- Plan Participant Education
Small Business Retirement Plans
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Financial Wellness
Enhancing Financial Wellness enables your workforce to do their best work. Companies that invest in financial wellness have an opportunity to:
- Reduce employee stress,
- Improve retention and engagement, and
- Set themselves apart by offering comprehensive financial wellness benefits.
Ready to start a conversation? Contact The MKMM Group today.
Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization’s initial and ongoing certification requirements to use the certification marks.
1Morgan 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.
Morgan 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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be appropriate for you. Please see the Morgan Stanley Smith Barney LLC program disclosure brochure (the “Morgan Stanley ADV”) for more information in the investment advisory programs available. The Morgan Stanley ADV is available at www.morganstanley.com/ADV.
3Morgan 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.
4Alternative 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 appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
5Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.
Morgan 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.
6Morgan 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.
7Morgan 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
8Morgan 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.
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 Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.
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 | Morgan Stanley
1Morgan 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.
Morgan 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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be appropriate for you. Please see the Morgan Stanley Smith Barney LLC program disclosure brochure (the “Morgan Stanley ADV”) for more information in the investment advisory programs available. The Morgan Stanley ADV is available at www.morganstanley.com/ADV.
3Morgan 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.
4Alternative 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 appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
5Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.
Morgan 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.
6Morgan 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.
7Morgan 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
8Morgan 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.
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 Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.
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 | Morgan Stanley
CRC 4665150 (8/2025)
