The New York Fourth Avenue Group

We believe that every investor should have a Financial Advisor whose sole mission is to positively impact their life and net worth. At The New York Fourth Avenue Group, we provide a holistic approach to wealth management. Our responsibility extends beyond immediate financial needs and every decision we make together takes into consideration the long-term well-being of our clients and their families.

That starts by being open and transparent about what we do as a group and taking the time to explain our value add services. At The New York Fourth Avenue Group we believe that working as a team helps to provide you with access to many possible strategies, and resources, helping to ensure that you benefit from the highest levels of service. Working as a team we are able to deliver the firm, and provide a high degree of customization for our clients.

With our experience in financial planning and investment management, our team can help translate your objectives into strategies that align with your goals. We offer you a perspective developed over multiple market cycles, a thorough understanding of asset allocation and risk management, and an ability to refine your strategy as your needs and the financial markets change. In short, you will work with professionals who can provide a steady hand guiding you toward your investment goals.
Services Include
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*

Working With You

Investors make better choices when they understand the process. Helping you understand your options at each step is of utmost importance for our group. The components of our process include:
  • Listening carefully to your goals, values, aspirations and concerns
  • Setting achievable and measurable goals through a carefully considered plan
  • Maintaining a relationship of mutual trust
  • Making you fully aware of any and all fees
  • Meeting your investment expectations
  • Delivering a high-level of personal service
  • Commitment to accessing the breadth and depth of industry knowledge
  • Providing ongoing, personal communication
  • Helping you gain control over the complexity and challenges that accompany wealth
  • Using current technology to simplify your life
  • Working in tandem with your other advisors, such as your CPA and attorney, to reduce tax impact and consider legacy options
The New York Fourth Avenue Group is a team bringing resources to the table with knowledge in a wide range of areas. We focus on all aspects of wealth planning, including personalized financial plans, planning for retirement, risk management and insurance. On a daily basis, we oversee and implement wealth management strategies, including the selection and monitoring of investment managers and alternative investments.
Our Services include:
  • Investment Planning: Diverse range of investment strategies and an open-architecture platform with access to mutual funds, ETF and alternative strategies, separately managed accounts, taxable and tax-free fixed income offerings
  • Wealth Planning: Comprehensive wealth planning including trust and estate planning strategies, goals-based financial plans, personalized retirement plans, education planning, and more
  • Insurance Services: Custom strategies to manage risk, including a range of life, disability and long-term care insurance options
  • Technology: Web and mobile solutions providing real-time market and account data
  • Client Reporting: Custom reporting for viewing performance, asset allocation, and more
  • Cash Management: A full suite of cash management solutions including credit and debit cards, direct deposit and online bill pay
  • Lending Solutions: Dedicated banking professionals to assist with different lending solutions
  • Philanthropy Management: Solutions for family and corporate foundations, in addition to charitable giving programs such as donor-advised funds
  • Corporate and Business Solutions: Resources for helping executives with equity compensation and business succession planning

Awards

    Icon Image
    2025 Forbes America's Top High Net Worth Wealth Management Teams
    In 2025, our team was awarded the 8th spot on Forbes America's Top High Net Worth Wealth Management Teams List.


    Disclosure: Forbes Best-In-State Wealth Management Teams Source: Forbes.com (Awarded Jan 2025) Data compiled by SHOOK Research LLC based for the period from 3/31/23-3/31/24.

WORKPLACE FINANCIAL BENEFITS WITH MORGAN STANLEY AT WORK

Our mission is to help your company elevate your workplace financial benefits—helping you to attract and retain top talent. Our end-to-end solutions support your company and employees at any stage of growth through a powerful combination of modern technology, insightful guidance, and dedicated service.

    Equity Solutions

    Equity ownership is a powerful motivator. Streamline equity management through our leading-edge technology and provide global audit-ready reporting and insights, alongside customizable participant experiences to engage and educate your employees on how to make the most of their benefits. Our global solutions support private and public companies at any stage of growth.

    • Equity Administration and Financial Reporting
    • Liquidity Events
    • 409A Valuation Services and Cap Table Management

    Learn more
    Retirement

    For your employees, retirement is more than a date in the future—it's a milestone that takes time, hard work, and the right tools. Through our consultative process, we strive to assist with the management of your fiduciary responsibilities and risk, simplify plan management, and help you improve retirement readiness for your employees.

    • Defined Contribution Consulting
    • Solutions-Oriented Plans
    • Fiduciary Investment Oversight

    Learn more
    Deferred Compensation

    Access a range of Nonqualified Deferred Compensation plan services or pick the ones that best fit your needs. We provide recordkeeping and plan design, portfolio construction services, and plan education for your executive talent. We help you determine the appropriate plan design and inform a funding strategy through a needs-based assessment and consultative approach.

    Services include:

    • Recordkeeping and Plan Design
    • Portfolio Construction
    • Wealth Management Services
    Learn more
    Executive Services

    Our dedicated team provides concierge-level support for your executives' equity compensation plans, from 10b5-1 trading plans to form filing related to Rule 144 transactions, to access to wealth management and tax-optimization strategies, so helping them navigate their complex financial needs with greater confidence and certainty:

    • Equity Compensation Services
    • Equity Award Analysis
    • Specialized Solutions
    Learn more
    Saving and Giving

    Saving and Giving benefits can make a real difference in your employees' lives as they can support the things that matter most to them—like saving for education and repaying student loans. Show that you are committed to your employees' priorities with leading-edge solutions that help them chart a path toward financial well-being.

    • College Savings
    • Student Loan Repayment and Refinancing
    • Charitable Giving
    Learn more
    Financial Wellness

    We offer Financial Wellness with every solution we provide. Through a powerful combination of education, digital tools and guidance, Financial Wellness is designed to address the unique needs of your employees and empower their financial journey at every stage. Give your employees the confidence to take charge of their finances.

    • Financial Education
    • Digital Tools
    • Financial Guidance

    Learn more

Location

399 Park Avenue, 12th Floor
New York, NY 10022
US
Direct:
(212) 893-6480(212) 893-6480

Meet The New York Fourth Avenue Group

Photo of Michael Scotto

Michael Scotto

Managing Director, Wealth Management, Financial Advisor
Phone:
(212) 893-6480(212) 893-6480
Photo of John F Sorensen

John F Sorensen

Managing Director, Wealth Management, Financial Advisor
Phone:
(212) 893-6479(212) 893-6479
Photo of Scott Steinberg

Scott Steinberg, CFP®

Senior Vice President, Financial Advisor
Phone:
(212) 893-6354(212) 893-6354
Photo of Ernest Mason Howell

Ernest Mason Howell

Financial Advisor
Phone:
(212) 893-6439(212) 893-6439
Photo of R Craig Barnes

Second Vice President, Financial Advisor, Financial Planning Specialist
Phone:
(212) 893-6574(212) 893-6574
Photo of Silene Barnes

Associate Vice President, Wealth Management, Financial Advisor, International Client Advisor
Phone:
(212) 541-2700(212) 541-2700
Photo of Michael C. Scotto

Michael C. Scotto

Wealth Management Associate
Phone:
(212) 893-6395(212) 893-6395
Photo of Kevin Canning

Kevin Canning

Assistant Vice President
Phone:
(212) 893-6478(212) 893-6478
Photo of Jake Schaechter

Jake Schaechter

Registered Client Service Associate
Phone:
(212) 271-0648(212) 271-0648
Photo of John Scotto

John Scotto

Client Service Associate
Phone:
(212) 893-7695(212) 893-7695
Photo of Joseph Crowley

Joseph Crowley

Wealth Management Analyst
Phone:
(212) 893-6514(212) 893-6514
Photo of Nicholas Mink

Nicholas Mink

Client Service Associate
Phone:
(949) 955-7504(949) 955-7504

About Michael Scotto

Mike Scotto is a senior partner of The New York Fourth Avenue Group and brings over 30 years of wealth management experience to working with high net worth families. With most of his career in asset management and as a portfolio manager, he has primary responsibility for the team’s overall asset allocation and oversees the due diligence and selection process for third party money managers. 

Prior to joining the team, he founded and was co-manager of the Citigroup Large Cap Growth Fund and was head of customized private client business which managed more than $7 Billion in assets. He was also the former Chief Market Strategist for Private Portfolio Groups (PPG) at Morgan Stanley. He presently makes his home in Spring Lake, NJ with his wife Kathleen of 28 years. They are the proud parents of four children (one of whom is also on the team).
Securities Agent: AR, VA, UT, NV, NJ, IL, AZ, OR, MO, CO, DC, TN, VT, WV, KS, PR, AL, GA, MN, NY, WA, CA, ID, MI, NC, RI, FL, TX, CT, DE, LA, MA, ME, NH, NM, KY, MT, SC, WY, OH, IN, PA, OK, MD, WI; General Securities Representative; Investment Advisor Representative
NMLS#: 1312680

About Philip H Aronoff

As a Senior Vice President, I have been a Financial Advisor for 28 years, helping clients with their planning and investments. I strive for attention to detail and great customer service. My clients have referred to it as the "Phil Benefit".

I have been ranked in Forbes Best-In-State Wealth Adviser for 2021, 2022, 2023.

I have extensive experience in Portfolio Management, Stocks, Municipal Bonds, Corporate Bonds, Cash and Cash Equivalents, Alternative Investments, and Financial Planning.

Along with my team, the New York Fourth Ave group, I have considerable experience in hedge funds, private equity, and private credit. I was named a Director of Alternative Investments in 2022.

I started my career in 1987 at Northwestern Mutual Life and then in 1995 moved to Merrill Lynch and in 2001 moved to Smith Barney which later became Morgan Stanley.

A Manhattan native, I grew up in Washington Heights. I received a BA from State University of New York at Albany in 1987. I live in Hastings on the Hudson as well as Westerly, Rhode Island. I have two daughters Grace and Eve and my wife of 25 years, Kristen.

Disclosure: 2021-2023 Forbes Best-In-State Wealth Advisors Source: Forbes.com (Awarded 2021, 2022, 2023) Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award. Neither Morgan Stanley Smith Barney LLC nor its Financial Advisors or Private Wealth Advisors paid a fee to SHOOK Research LLC for placement on its rankings. This ranking is based on in-person and telephone due diligence meetings to evaluate each Financial Advisor qualitatively, a major component of a ranking algorithm that includes client retention, industry experience, review of compliance records, firm nominations, and quantitative criteria, including assets under management and revenue generated for their firms. Investment performance is not a criterion. Rankings are based on the opinions of SHOOK Research LLC and may not be representative of any one client’s experience; investors must carefully choose the right Financial Advisor or team for their own situation and perform their own due diligence. This ranking is not indicative of the Financial Advisor’s future performance. Morgan Stanley Smith Barney LLC is not affiliated with SHOOK Research LLC, or Forbes. For more information, see www.SHOOKresearch.com.
© 2024 Morgan Stanley Smith Barney LLC. Member SIPC
Securities Agent: DE, AR, CO, NJ, SC, TX, VA, NH, CT, OH, SD, KS, MD, PR, WY, WA, WV, TN, IL, GA, DC, ME, OR, NY, PA, RI, VT, WI, CA, FL, OK, AL, NC, NV, MO, LA, MT, MI, AZ, MA, NM; BM/Supervisor; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 1265116

About Michael A. Silver

As a Financial Advisor at Morgan Stanley, I provide investment advice to high net worth individuals, and families. My decades in Investment Management, including many years as the Head Trader at multi-billion dollar hedge funds, provides my clients with distinctive guidance in managing risk and helping grow wealth.

Along with my team, The New York Fourth Avenue Group, we deliver a broad range of Morgan Stanley Wealth management services including creating customized asset allocation strategies. I have been named a Portfolio Management Director and a Lending Specialist for the firm. Other services include financial, tax-efficient and estate planning strategies, and alternative investments. Based on my extensive experience in Hedge Funds and Private Equity transactions, I have been named an Alternatives Investment Director.

I received a BS in Finance from Lehigh University in 1988, and an MBA from Babson College in 1992. My career began in 1992 as a clerk on the American Stock Exchange for the Specialist firm Spear Leeds & Kellogg. After that, I spent the next 15 years as the Head Trader at Och Ziff Capital management and Aurelius Capital Management.

I live on the Upper East Side in Manhattan, where I raised three kids, Johnny, Davis, and Clint. I usually get a few Western ski trips in each winter, and enjoy plenty of golf rounds in the summer. My wife and I practice Yoga actively.
Securities Agent: SD, HI, CT, WI, WA, UT, MO, IL, AL, TX, AR, WV, VT, VA, SC, PR, OR, ME, GA, DE, LA, PA, OK, KS, CO, NJ, CA, AZ, NM, NC, MA, OH, MD, FL, DC, WY, RI, NY, NV, NH, MT, MI; General Securities Representative; Investment Advisor Representative
NMLS#: 1680478

About John F Sorensen

John Sorensen is a senior partner, founder, and has served as lead Financial Advisor on The New York Fourth Avenue Group for over 25 years. His experience in working with clients helping them meet their income needs in the both the taxable and municipal bond markets make him the fixed income specialist in the group.

Because of his focus and experience in working with Ultra High Net Worth families, John is part of the firm’s Private Wealth Management Group (PWM). He has also been recognized among the top Financial Advisors in the firm consistently and is a member of the Chairman Council at Morgan Stanley. 

For more than 13 years John and his wife Lisa have made their home in East Patchogue, NY. In their spare time they enjoy bike rides and walks on the beach.
Securities Agent: TX, KS, SD, OH, NY, NM, NC, ID, AR, SC, MI, KY, CA, WI, AZ, AL, MD, NH, IL, NJ, VA, OK, CO, WV, PA, NV, LA, FL, DC, CT, WY, WA, VT, PR, MT, MA, OR, MO, ME, GA, DE, TN, RI; General Securities Representative; Investment Advisor Representative
NMLS#: 1297941

About Mark J McCooey

Mark McCooey has over 30 years of experience in the Financial Services industry, of which the past 5 years has been with Morgan Stanley Wealth Management. As a Financial Advisor, Mark helps manage assets for individuals, families and corporate retirement plans.

Mark started his career as a Member of The New York Stock Exchange and co-founded, with his siblings, the Griswold Company, the largest independent agency brokerage firm on the NYSE Floor.  Griswold pioneered the idea of “Direct Access” where buy-side institutions such as Hedge Funds, Pension Funds, Mutual Funds, and Investment Advisors could speak directly to brokers at the point-of-sale.  As the COO of Griswold, Mark spearheaded all sales & marketing efforts, client relations, the establishment of an OTC Desk, corporate investment and retirement plans, and new initiatives.

While at Griswold, Mark was the President of The Biltmore Hill Company, a small private equity firm with investments in Listerine, Honest Tea, Bonobos, 4Moms, and Happy Baby.

Mark is a graduate of The College of the Holy Cross and holds Series 7, 63, & 65 licenses and the Life & Health Insurance license. He is very active in Swim Across America (cancer research) and Part of the Solution (P.O.T.S.  Soup kitchen).  Mark lives in Harrison, NY with his wife Molly and two small children, Kaki & Jack.
Securities Agent: MA, MO, PR, CO, AR, TX, NY, CT, OH, FL, OR, NJ, MT, AL, NM, VT, WY, WV, WA, RI, PA, CA, IL, MI, NC, SC, WI, VA, NV, ME, MD, LA, SD, KS, DE, NH, DC, OK, AZ, GA; General Securities Representative; Investment Advisor Representative
NMLS#: 1279093

About James Wilkes

Chip Wilkes is a Senior Vice President at The New York Fourth Avenue Group, a leading Wealth Management team at Morgan Stanley.

Chip began his career at Ayco Company, L.P., a Goldman Sachs Company. He held positions of increasing responsibility including being a partner with the firm until it was acquired by Goldman Sachs. After the acquisition, he held senior management positions in charge of the Goldman Sachs Partners Family Office and head of the Ayco Mid-Atlantic region.

The majority of his career with Ayco was spent as a Financial Advisor to Fortune 100 C-Suite executives. He joined Morgan Stanley as a Senior Vice President – Financial Advisor in 2017.

Chip is a Certified Financial Planner CFP® and maintains licenses in securities, life insurance, and health insurance. He holds a Bachelor of Science degree in Economics from Syracuse University, and a MBA in Finance from Fairleigh Dickinson University.

A lifelong resident of New Jersey, he enjoys golf, travel and spending time with his family at the NJ shore.
Securities Agent: NM, CA, CO, DC, AR, RI, VA, DE, GA, NH, PR, SD, WA, MI, PA, NJ, OK, WI, WY, WV, VT, SC, MO, CT, AZ, TX, NY, NC, MT, LA, IL, OR, ME, MD, FL, OH, NV, MA, KS, AL; General Securities Principal; General Securities Representative; Investment Advisor Representative
NMLS#: 1751507

About Brian Rothman

Brian Rothman is a Senior Vice President at the New York Fourth Avenue Group, a leading Wealth Management team at Morgan Stanley.

Prior to joining Morgan Stanley, Brian was at Ayco/Goldman Sachs from September 1982 until January 2017. During that time, Brian worked with numerous Senior/ C-Suite Corporate Executives and entrepreneurs as a financial advisor (Senior Account Manager). Brian also was responsible for the management of the Eastern Regional Office in NJ for 10 years.  Brian joined Morgan Stanley as a Senior Vice President(financial advisor) in February 2017.  

He holds a BA from SUNY Albany and a JD from Rutgers School of Law. He enjoys travel, family and spectator and participant sports.
Securities Agent: OH, NJ, DC, AZ, CO, WA, WY, VA, TX, NV, AR, AL, CT, DE, IL, ME, PR, WI, GA, VT, NH, LA, OK, OR, PA, RI, MI, MT, NC, NY, WV, NM, FL, MD, MO, MA, SC, KS, CA, SD; General Securities Principal; General Securities Representative; Investment Advisor Representative
NMLS#: 1762606

About Jonathan Schaechter

Jon Schaechter is a Senior Vice President at The Fourth Avenue Group, a leading Wealth Management team at Morgan Stanley.

Jon began his career in 1988, and worked as a Financial Advisor (Senior Vice President - Counseling) with The Ayco Company (a Goldman Sachs company) for over 29 years. At Ayco/Goldman Sachs, Jon provided financial counseling services to Fortune 1000 C-Suite and Senior Executives, along with entrepreneurs. Jon joined Morgan Stanley as a Senior Vice President – Financial Advisor in July 2017. 

He holds a Bachelor of Science degree in Finance from the University of Maryland, and a MBA in Finance from Seton Hall University. Jon maintains his life and health insurance licenses, and is a Certified Financial Planner CFP®.  After living his entire life in New Jersey, Jon and his wife, Michele, now reside most of the year in Lakewood Ranch, Florida. He has two adult children, and one grandchild.  In his spare time, Jon enjoys working out, playing pickleball and golf, and traveling with his family.
Securities Agent: NM, WA, SD, NH, MI, MD, CA, NV, MT, GA, FL, WY, RI, PA, OR, SC, NC, MA, LA, KS, WI, PR, OK, NJ, IL, DC, MO, DE, CT, AZ, WV, OH, AL, VT, TX, ME, CO, KY, VA, NY, AR; General Securities Representative; Investment Advisor Representative
NMLS#: 1751508

About Jimmy Janeczek

Jimmy began his career at Citigroup Smith Barney in 2006, where he had the opportunity to work in both a large corporate setting and small business environment. He returned to Morgan Stanley in 2016 with the understanding of how to integrate the robust, global services and solutions offered by a global firm with the intensely personal client focus of a boutique firm. Those experiences have uniquely shaped his perspective and skill set into a profound desire to positively impact his clients’ lives and net worth with each interaction.

Jimmy received a Bachelor of Science degree from New York University, where he was also a member of the basketball team. He currently lives in Manhattan with his wife, Alexandra. In his free time, he enjoys playing sports and is an avid outdoor enthusiast. Other interests include architecture and American history.
Securities Agent: WY, SD, NY, AL, DE, MD, MI, WA, AR, AZ, IL, OR, CA, PA, GA, NJ, ME, MA, LA, CO, KS, NH, OK, MO, NC, OH, RI, SC, TX, VT, WI, MT, FL, DC, CT, NM, PR, NV, VA, WV; General Securities Representative; Investment Advisor Representative
NMLS#: 1578892

About Scott Steinberg

Scott Steinberg, CFP ® is Senior Vice President and Financial Advisor in the New York Fourth Avenue Group. Scott brings over two decades of investment and wealth management experience, serving as the team’s resident financial planning specialist. As a Certified Financial Planner ®, Scott has developed a deep expertise in retirement analysis, providing holistic, impactful solutions to families and individuals from all walks of life.

Before joining Morgan Stanley, Scott spent 10 years at Equity Services Incorporated, leveraging his keen knowledge of the global equity markets to build custom portfolios for a variety of clients and institutions. Scott graduated from the University of Rhode Island with a degree in Accounting. He lives in his hometown of Stauket, Long Island, with his family and two teenagers. He is a sports enthusiast, and enjoys spending his free time outdoors with family and friends.
Securities Agent: ME, AR, SD, OK, MO, MI, CO, AL, WV, WI, DC, CA, NM, GA, AZ, WA, VA, PR, NV, MT, VT, SC, OR, MD, KS, LA, DE, OH, NJ, NH, NC, MA, IL, WY, TX, KY, ID, TN, RI, PA, NY, FL, CT; General Securities Representative; Investment Advisor Representative
NMLS#: 2082335

About Patricia A McGinley

Delivering unique solutions in the private and public markets to founders, C-Suite executives, and families.

With many decades of experience at Morgan Stanley, Pam McGinley provides personalized strategies to wealthy families, founders of privately held companies, and shareholders. Pam is a long-time team member of the New York Fourth Avenue Group at Morgan Stanley. The New York Fourth Avenue Group was named as one of the 2024 Forbes America's Top High Net Worth Wealth Management Teams.

Pam works to leverage the Firms resources and has access to a premier trading and execution platform and a full spectrum of investment choices. She focuses on equity compensation, IPO planning, employee stock option plans, and liquidity planning strategies.

As a seasoned Alternative Investments Director, Pam is among a group of advisors who have demonstrated a high level of knowledge in the alternative investment landscape. She has worked with many top-level executives in the healthcare and technology sector, as well as venture capital and private equity.

Pam has consistently been named a Forbes Top Women Wealth Advisors from 2020-2024*

Pam is a proud mother of three daughters and currently resides in Greenwich, CT. In her free time, she enjoys opportunities to play competitive golf all over the United States of America.

*2020-2024 Forbes America's Top Women Wealth Advisors & Forbes Top Women Wealth Advisors Best-In- State (formerly referred to as Forbes Top Women Wealth Advisors, Forbes America's Top Women Wealth Advisors)
Source: Forbes.com (Awarded 2020-2024). Data compiled by SHOOK Research LLC based on 12-month time period concluding in Sept of year prior to the issuance of the award.

2024 Forbes America's Top High Net Worth Wealth Management Teams
Source: Forbes (Awarded Nov. 2024) Data compiled by SHOOK Research LLC for the period 3/31/23–3/31/24

Awards Disclaimers: https://www.morganstanley.com/disclosures/awards-disclosure/
Securities Agent: MI, AZ, AL, WV, UT, NC, GA, DE, VA, SD, MO, IL, PA, OR, NJ, ME, MD, MA, OK, OH, CA, NV, NH, AR, NY, FL, DC, WI, WA, VT, TX, RI, LA, ID, CT, NM, SC, MT, KS, CO, PR, WY; General Securities Representative; Investment Advisor Representative
NMLS#: 175610

About Ernest Mason Howell

Securities Agent: RI, PR, SC, WV, AL, GA, MA, OH, TX, AZ, DC, ME, MT, NV, WY, OR, NJ, AR, LA, CO, MO, WA, NC, NM, NY, SD, MD, PA, WI, DE, KS, MI, NH, VA, OK, IL, FL, CT, CA, VT; General Securities Representative; Investment Advisor Representative
NMLS#: 1288346

About John A Walla

Securities Agent: RI, PA, MO, MA, DE, DC, CT, PR, NV, LA, MD, WY, VA, AZ, NY, SD, OH, MI, VT, WI, ME, NC, NJ, SC, WA, FL, CO, NH, MT, MN, KS, OK, GA, AR, IL, NM, OR, CA, AL, WV, TX; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 1282810

About R Craig Barnes

Securities Agent: LA, MA, OK, NM, PR, WI, MT, ME, NY, PA, RI, SD, NV, KS, DC, CT, FL, NJ, OR, MO, CO, DE, GA, NH, TX, VA, WA, SC, OH, NC, MI, MD, IL, AR, VT, WV, WY, AZ, CA, AL; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 1279573

About Richard Stahmer

With over 20 years of experience in the financial services industry, I help families and business owners make informed decisions about planning for their future. I like to start each relationship with a comprehensive financial plan. We then work together with this plan as a roadmap to achieving your goals.

As a partner of a large group within Morgan Stanley, I have vast resources to provide customized wealth management experience to my clients. Morgan Stanley’s open architecture and depth of platform allow me to deliver excellence in asset allocation, asset management, lending, and insurance to implement this customized plan with an emphasis on risk, return, and tax efficiency.

Coming from a family of business owners, I have a keen understanding of the needs and challenges facing business owners including retirement planning, insurance, real estate financing, and estate planning. My practice provides personalized client service and long term planning. By working with me, my clients receive the benefits of a large team and the personalized service and timely responsiveness of one individual.
Securities Agent: WY, MD, MA, AR, OH, NH, MI, ME, KS, GA, FL, UT, WI, TX, TN, OK, IL, CT, PA, OR, NY, AL, VA, SC, RI, PR, MT, LA, CA, NC, AZ, SD, MO, DC, CO, WV, VT, NV, NM, WA, DE, NJ; General Securities Representative; Investment Advisor Representative
NMLS#: 1773586

About Jeffrey J. Valente

Jeff Valente is an Vice President and Financial Advisor. He has over 20 years of experience in finance and has been with Morgan Stanley since 2014.

Before joining the firm, Jeff worked in asset management assisting portfolio managers market their funds. Financial Advisors were his first clients, and Jeff developed an understanding of how they worked with retail accounts which helped him create his own financial planning process.

Jeff became a Financial Advisor to help people achieve financial independence. Education and communication are cornerstones of his practice, and he believes his ability to provide personal care and teaching differentiates his service.

Jeff treats his clients like his own family. He creates individual financial plans based upon client’s goals. Investments are dictated around the process to understand how much risk is needed to achieve the goal. Before any investment strategies are pursued, Jeff has to have a thorough understanding of his client’s financial position, risk tolerance, and objectives.

Jeff is a graduate of St. John’s University and a fraternity alumni of Alpha Phi Delta. He holds series 7, 6, 63, 66, and Life and Health Insurance licenses. Jeff currently resides in Long Island NY, with his wife and their son and daughter. He loves spending time watching his children grow up and making memories with them. Jeff is a car enthusiast and belongs to the Porsche Club of America. He also has a passion for sports. Jeff dedicates time to giving back to the community through Autism Speaks, Travis Manion Foundation, and Multiple Sclerosis events.
Securities Agent: OK, OH, IL, AZ, SD, LA, GA, DC, PR, MI, WY, VA, TX, RI, OR, DE, CA, ME, NJ, WI, VT, WA, SC, NC, NM, MA, PA, NV, NH, MO, KS, FL, AR, AL, WV, MT, NY, MD, CO, CT; General Securities Representative; Investment Advisor Representative
NMLS#: 1401629

About Rick Goldenberg

Rick Goldenberg CFP®, has provided financial advice since 1982. He is a Certified Financial Planner (CFP®), awarded in 1989. His experience as a bank trust officer provides him with a unique and valuable understanding of “wealth transfer strategies” His experience as a parent and grandparent he believes, provides him a greater sense of client’s values and priorities.

Rick has a master’s degree in administration with emphases in finance from the University of California, Riverside (1985) and a BA in Economics from the University of Redlands (1982).

Rick and his wife, Susie, have been married since 1983 and have resided in Laguna Niguel, California since 1984. They are blessed with 3 adult sons and a granddaughter. Over the years, Rick has been awarded Five Star Wealth Manager awards and takes pride in sharing his financial wisdom. He was the YMCA Indian Guides Nation Chief and was very active in youth athletics. He enjoys being with his family and has a passion for snow skiing and golf. Rick realizes that he is fortunate to get to work with his son Joe also a CFP®.



Securities Agent: IA, DE, ME, NH, NV, WV, WY, VA, TX, RI, WI, SD, SC, MI, UT, WA, VT, MT, ND, VI, NE, TN, MS, NM, NY, PR, PA, OR, OH, OK, NJ, NC, AR, MN, CA, MO, MA, MD, GA, ID, HI, KY, FL, IL, DC, CT, CO, LA, AZ, AK, AL, KS; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures

NMLS#: 1428688 Ca Insurance License # 0A45119
Securities Agent: IA, DE, ME, NH, NV, WV, WY, VA, TX, RI, WI, SD, SC, MI, UT, WA, VT, MT, ND, VI, NE, TN, MS, NM, NY, PR, PA, OR, OH, OK, NJ, NC, AR, MN, CA, MO, MA, MD, GA, ID, HI, KY, FL, IL, DC, CT, CO, LA, AZ, AK, AL, KS; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 1428688
CA Insurance License #: 0A45119

About Joe Goldenberg

Joe is a Financial Advisor and CFP ® professional with the New York 4th Avenue Group at Morgan Stanley based out of the Irvine, CA office. He has been a financial advisor with Morgan Stanley since 2013, is a Certified Financial Planner ™ and holds his Series 7 & 66 securities licenses.

Joe focuses starts and ends with his clients while striving to provide them with a concierge-like, comprehensive financial planning experience. Using a collaborative process and the vast resources of Morgan Stanley, he creates customized financial plans and investment portfolios for successful families and individuals that seek to preserve, grow, and effectively manage not just their wealth but their life and legacy.

Joe was born and raised in Orange County, CA and currently resides in Newport Beach, CA. He is a big sports fan and received both an academic and athletic scholarships to play both baseball and water polo at university. In his free time, you can find him surfing, biking, playing pickle ball and golf, and rooting on the Anaheim Angels.

NMLS#: 1297939, and CA Insurance # 0K82297.
Securities Agent: NE, NV, WI, UT, WY, SC, MO, DC, KS, HI, WV, WA, VT, VA, TX, TN, SD, RI, PR, PA, OR, OK, OH, NY, NM, NJ, NH, NC, MT, MS, MN, MI, ME, MD, MA, LA, KY, IL, ID, IA, GA, FL, DE, CT, CO, CA, AZ, AR, AL, AK; General Securities Representative; Investment Advisor Representative
NMLS#: 1297939

About Silene Barnes

Securities Agent: DC, FL, GA, IL, KS, KY, LA, MA, MD, ME, MI, MO, MT, NC, NH, NJ, NM, NV, NY, OH, OK, OR, PA, PR, RI, SC, SD, TX, VA, VT, WA, WI, WV, WY, DE, CT, CO, CA, AZ, AR, AL; General Securities Representative; Investment Advisor Representative
NMLS#: 1715249

About Carmen B Torruella

Carmen B. Torruella has worked in finance for more than 30 years. She has been in Private Wealth Management since 2012, currently at Morgan Stanley and prior to that at J.P. Morgan.

Carmen’s clients are varied. They range from financial executives in the U.S. to family offices in Puerto Rico. In the marital area, Carmen consults on financial strategy for individuals going through divorce or planning to marry. Carmen also helps her clients with trust accounts, philanthropic management, and alternative investments.

Prior to her time in Private Wealth, Carmen covered Latin American infrastructure stocks and was top-ranked for five years by Institutional Investor Magazine, including as the No. 1 Team. Carmen also covered U.S. Healthcare Services and U.S. Strategy & Quantitative Research and earlier worked in Emerging Markets Fixed Income and Municipal Interest Rate Swaps.

A graduate of Harvard University, Carmen earned an A.B. in Philosophy in 1987 and an M.B.A. from Harvard Business School in 1991. She was awarded a Harvard College Scholarship and an Elizabeth Agassiz Certificate of Merit for academic achievement. She also served as a member of the Student Advisory Committee of the Institute of Politics at the Harvard John F. Kennedy School of Government. Carmen was a 1983 Presidential Scholar.

Born and raised in Puerto Rico, Carmen is fully bilingual in English and Spanish, as well as conversant in French. She currently lives in New York City with her husband and two daughters.
Securities Agent: AL, AR, AZ, DE, KS, KY, LA, MD, MO, MT, NH, NM, NV, OK, OR, RI, VT, WI, WV, NY, WA, SC, ME, WY, VA, TX, SD, PR, PA, OH, NJ, NC, MI, MA, IL, GA, FL, DC, CT, CO, CA; General Securities Representative; Investment Advisor Representative
NMLS#: 975664

About Michael C. Scotto

In his past five years with the team, Michael Scotto has grown in responsibility to oversee all of operational and administrative processes for The New York Fourth Avenue Group. Those responsibilities include account opening, money movement activities, trading, and the execution and implementation of investment strategies.

Michael also oversees the implantation of lending strategies for the team’s clients. He is focused and committed to providing premier service to match the needs of each and every client and has been recognized for his dedication, loyalty and work ethic. Michael is a graduate of Catholic University and makes his home in Manhattan. He is an avid movie fan and enjoys going to the beach.

About Kevin Canning

Kevin Canning is a Wealth Management Associate at The New York Fourth Avenue Group, a leading Wealth Management team at Morgan Stanley. 

Kevin joined the Team in 2015 after successfully completing the internship program at the firm. He provides a broad range of essential support services to advisors and clients of the group. He handles new account opening, assists clients with trade execution, and supports team with research. 

Kevin graduated from University of Scranton with a degree in Business Administration. He currently resides in Hoboken, in his free time he enjoys playing soccer and golf.

About Jake Schaechter

Jake Schaechter is a Registered Client Service Associate at The New York Fourth Avenue Group, a leading Wealth Management team at Morgan Stanley.

Jake joined the team in 2021. He provides a broad range of essential support services to advisors and clients of the group. He handles new account opening and maintenance, assists clients with trade execution, and supports team with research.

Jake graduated from University of Maryland in 2020 with a degree in Finance. He currently resides in New York City and in his free time enjoys traveling with his family, exploring the city with friends, and watching New York sports.

About John Scotto

John Scotto is a Client Service Associate at The New York Fourth Avenue Group, a leading Wealth Management team at Morgan Stanley.

John joined the team in 2020. He provides a broad range of essential support services to advisors and clients of the group. He handles new account opening, money movement activities, and supports team with risk reports.

John graduated from The Catholic University of America with a degree in Finance. He currently resides in Manhattan and likes to draw in his free time.

About Joseph Crowley

Joe Crowley is a Wealth Management Analyst for the New York Fourth Avenue Group. He has been working at Morgan Stanley since September 2019. He takes great pride in providing exceptional service for his advisors and their clients. He was awarded the 2022 Field Service Champion for his branch. He specializes in account openings, trade executions and other detailed administrative matters.

He grew up and currently resides in Staten Island, New York. He graduated from Wagner College with a Degree in Finance. In his free time, he enjoys going to the gym, playing sports, and spending quality time with family and friends.

About Nicholas Mink

Nicholas Mink started his career in the Financial Services Industry in 2012 and joined Morgan Stanley in 2015. Nicholas is a Financial Planning Specialist and Portfolio Associate for the New York 4th Ave group out of the Irvine, CA office. He holds the Series 7 & 66 licenses and also has his Insurance license. His goal is to provide outstanding customer service while building deep relationships with clients while making sure they have the best possible experience.

Nicholas resides in Irvine, CA with his wife Alicia, and their 10-year-old daughter. On the weekends you can find him cheering on the Anaheim Angels, or on the softball field watching his daughter’s travel softball games.
CA Insurance License #: 0I56438
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2025 Global Economic Outlook: U.S. Policies May Temper Global Growth

Global growth is likely to be around 3% in 2025 and 2026, as tariff and immigration policies begin to slow the U.S. economy late next year, and China's underperformance restrains emerging markets.

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Taking Control of Your Finances After Death of a Spouse

Financial planning after a divorce or death can be trying, but with the right approach and the right advice you can turn a difficult situation into empowerment.

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Wealth Management for Athletes and Entertainers

Understanding the unique financial challenges of athletes and entertainers and how they differ from one profession to the next, we deliver the experience and resources you need to help create and implement a comprehensive, multigenerational wealth management plan based on your needs, values and aspirations.
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Planning for the Unexpected: Financial Tips for Unpredictable Careers

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1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.

For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.

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2Morgan 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.

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3Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.

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4Municipal bonds may not be appropriate for all investors. Income 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.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) and its Financial Advisors and Private Wealth Advisors do not provide any tax/legal advice. Consult your own tax/legal advisor before making any tax or legal-related investment decisions.

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5When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.

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6When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.

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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.

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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 and other legal matters.

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9Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.

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10Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.

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11Morgan 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.

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12When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.

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13Morgan 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.

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14Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.

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15Morgan 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.

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CRC 6491812 (04/2024)