W Bradford White Jr.
Senior Vice President, Wealth Advisor
Phone:
(610) 478-4530(610) 478-4530
The Penn-Atlantic Group at Morgan Stanley
Our Mission Statement
Experienced wealth planning services for your life and legacy goals
Our Story
Our team at Morgan Stanley strives to build and preserve wealth for our clients. We engage in a holistic approach to wealth management and commit to fully understanding clients’ needs, offering quality advice, and providing unparalleled service in every relationship. Our client-centered approach includes a disciplined 6-step process that enables us to help you craft a solution that can help you meet your individual financial needs and goals.
We take great pride in our commitment to building successful, lasting relationships and delivering excellent value to our clients.
Pittsburgh Wyomissing
Phone: 412-434-8500 Phone: 610-478-4500
Toll Free: 800-487-1879 Toll Free: 866-231-2385
We take great pride in our commitment to building successful, lasting relationships and delivering excellent value to our clients.
Pittsburgh Wyomissing
Phone: 412-434-8500 Phone: 610-478-4500
Toll Free: 800-487-1879 Toll Free: 866-231-2385
Services Include
- Wealth ManagementFootnote1
- Financial PlanningFootnote2
- Retirement PlanningFootnote3
- Professional Portfolio ManagementFootnote4
- Life InsuranceFootnote5
- Cash ManagementFootnote6
- Estate Planning StrategiesFootnote7
- Business Succession PlanningFootnote8
- Corporate Retirement PlansFootnote9
- Alternative InvestmentsFootnote10
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Clients We Serve
With our breadth of knowledge and experience, the Penn-Atlantic Group over the last four decades has advised a wealth of clients with distinct backgrounds, needs and aspirations. Among other types of clients, we frequently consult with the following groups.
Affluent Individuals and Families
Being affluent offers many advantages. But it also frequently adds complexity to wealth management. Whether you’re seeking to create income throughout retirement, enhance investment returns, sustain your lifestyle, establish a legacy, distribute your assets, manage tax liabilities, ease administrative burdens, provide funding for a foundation, promote good stewardship among younger family members or achieve other meaningful goals, we’ll provide tailored strategies designed to help accommodate your needs.
Plan Sponsors
Managing a comprehensive retirement program for your organization involves a variety of difficult, time-consuming tasks, such as selecting and monitoring service providers and investments; understanding, implementing and adhering to ERISA regulations; and creating fresh engagement and educational strategies to encourage your employees to take full advantage of the program. We can provide support for these challenges, help participants build financial confidence and assist with attracting and retaining top talent.
Business Owners
While some may consider your company to be a “small” business, there’s nothing small about the challenges you face as a business owner.
By leveraging our team’s experience and utilizing a dedicated network of specialists at Morgan Stanley, we can provide support for key aspects of your business, including positioning your company for growth, improving your tax efficiency, establishing a true valuation of your business, developing an exit strategy, establishing an employee benefits plan and other impactful considerations. Additionally, we can align your business plan with your personal finances to help protect yourself and your family now and for the future.
By leveraging our team’s experience and utilizing a dedicated network of specialists at Morgan Stanley, we can provide support for key aspects of your business, including positioning your company for growth, improving your tax efficiency, establishing a true valuation of your business, developing an exit strategy, establishing an employee benefits plan and other impactful considerations. Additionally, we can align your business plan with your personal finances to help protect yourself and your family now and for the future.
Corporate Executives
Most executives simply don’t have the time or background to find ways to help maximize the benefits of their equity compensation plan. Determining the appropriate time to liquidate stock holdings or explore diversification opportunities can be especially challenging. Complicating these matters are considerations such as the regulatory challenges—including blackout periods—you might face when accessing the assets within your corporate equity compensation plan, along with issues like restricted and control stock limitations. We’ll help provide clarity about these situations, and strive to generate the most value from your plan.
Concentrated stock positions can help generate wealth. But they also pose significant risks. Through advanced, tax-efficient strategies, we can spread your risks and seek to manage the impact of selling so you can retain more of your wealth.
Diversification does not guarantee a profit or protect against loss in a declining financial market.
Concentrated stock positions can help generate wealth. But they also pose significant risks. Through advanced, tax-efficient strategies, we can spread your risks and seek to manage the impact of selling so you can retain more of your wealth.
Diversification does not guarantee a profit or protect against loss in a declining financial market.
Morgan Stanley Research
Morgan Stanley seeks to make complex financial ideas more digestible so that our clients have greater visibility into what we're doing on their behalf to plan for their financial future, and why. The links below provide an in-depth analysis on interesting and timely topics affecting the worlds of business and finance not only now, but in the foreseeable future.
Thoughts On The Market Podcast
Join Mike Wilson, Chief Investment Officer and Chief US Equity Strategist for Morgan Stanley, as he and his colleagues give their perspective on the forces shaping the market and cover the latest trends in the financial marketplace.
Thoughts on The Market Podcast
Morgan Stanley Ideas
At Morgan Stanley, we lead with exceptional ideas. Across all our businesses, we offer keen insight on today's most critical issues.
Morgan Stanley Ideas
Morgan Stanley Ideas Podcast
From the use of satellites to solve some of the world's most complex problems, to mitigating group-think when making important decisions, the Morgan Stanley Ideas Podcast brings you revealing stories about the world of business, finance, technology and beyond. Click the link below for more information and to access our podcast library.
Morgan Stanley Ideas Podcast
Global Investment Committee Weekly Research Report
The Global Investment Committee's Lisa Shalett headlines this weekly look at markets, asset class performance and fixed income.
GIC Weekly ReportSolutions Personalized To Your Circumstances
We can help you with all of your financial needs, from home purchases to 401(k) rollovers to creating a lasting legacy. Our goal is to give the best financial advice tailored to your unique objectives and circumstances. Here are just a few of the questions we assist our clients with on a daily basis.
Financial Planning
Life is constantly changing; how do I plan for a more secure future knowing that certain events, such as a family death, can have a significant impact on my plans?
Professional Portfolio Management
I want to do so many things with my life. How can one investment strategy account for all of them?
Retirement Planning
Have I saved enough for retirement to maintain my current lifestyle without fear of running out of money? When I am ready to leave my company and retire, what is the best way to reinvest my 401(k)?
Handling Current Market Conditions
With the current volatility and inflation, how do I know that my portfolio is positioned correctly so I can withstand any downturns?
Managing Risk
Life risk can reveal themselves in many ways - from loss of life to loss of health. How do I protect myself and my family from life's unknowns?
Cash Management
With the unpredictability of the market, how can I make the most of my cash?
Our Professional Designations
Designations typically signify that a Financial Advisor has additional experience, education or training within specific areas of wealth management which may be beneficial to their clients. The following represents the designations currently held by members of our team.
CERTIFIED FINANCIAL PLANNER® (CFP®)
CFP® professionals meet rigorous education and ethical standards. They’re trained in 72 areas of financial knowledge, and must accrue thousands of hours of experience prior to earning their certification. Additionally, CFP® professionals are committed to serving their clients’ best interests at all times.
Corporate Retirement Director (CRD)
A CRD must have a proven track record working with corporate and institutional clients, achieved stringent requirements with regard to number and size of retirement plans serviced and hold an external, retirement-focused designation with ongoing continuing education. As of December 2024, only about 2% of the Firm’s Financial Advisors hold this designation.
Through Morgan Stanley, a CRD has access to first-class resources designed specifically to tackle the hurdles plan sponsors and participants face, and the specialized knowledge and experience to address those challenges now and in the future. A CRD prioritizes understanding and consulting about the specific needs of plan sponsors and participants in a collaborative, professional, and educational manner, and places their goals at the center of the relationship.
Through Morgan Stanley, a CRD has access to first-class resources designed specifically to tackle the hurdles plan sponsors and participants face, and the specialized knowledge and experience to address those challenges now and in the future. A CRD prioritizes understanding and consulting about the specific needs of plan sponsors and participants in a collaborative, professional, and educational manner, and places their goals at the center of the relationship.
Chartered Retirement Plans Specialist (CRPS)
Requiring rigorous study and classroom exam, CRPS holders have demonstrated a thorough understanding of the complexity involved with establishing and managing a company-sponsored retirement plan. These may include IRAs, 401(k) and 403(b) plans, defined contribution plans, small business retirement plans and government plans. Additionally, individuals with the CRPS credential must complete ongoing education requirements.
Alternative Investments Director
This designation is awarded to Financial Advisors who have significant experience in alternative investments, possess an in-depth knowledge of the products available on Morgan Stanley’s platform and completed the Firm’s Alternative Investments training module.
Location
One Ppg Place
Ste 1300
Pittsburgh, PA 15222
US
Direct:
(412) 434-8500(412) 434-8500
1350 Broadcasting Rd
Wyomissing, PA 19610
US
Direct:
(610) 478-4536(610) 478-4536
Meet The Penn-Atlantic Group
Brian Sava, CFP®, CRPS®
Senior Vice President, Financial Advisor, Corporate Retirement Director
Phone:
(412) 803-2170(412) 803-2170
Carin Bellack, CFP®
Senior Vice President, Wealth Management, Financial Advisor
Phone:
(412) 434-8013(412) 434-8013
Christopher Radke
Senior Vice President, Wealth Management, Financial Advisor, Alternative Investments Director
Phone:
(412) 803-2102(412) 803-2102
Michael Anderson
Vice President, Wealth Management, Financial Advisor
Phone:
(610) 478-4501(610) 478-4501
William Brandon Byrne
Vice President, Wealth Management, Financial Advisor, Alternative Investments Director
Phone:
(610) 478-4541(610) 478-4541
Leanna M. Klett, Financial Planning Associate
Assistant Vice President, Group Director
Phone:
(412) 434-8522(412) 434-8522
Marissa DelloRusso
Registered Client Service Associate
Phone:
(412) 392-1710(412) 392-1710
Jennifer Anavitate
Client Service Associate
John Castello
Registered Client Service Associate
Phone:
(412) 392-5044(412) 392-5044
About W Bradford White Jr.
A founding member of the Penn-Atlantic Group at Morgan Stanley, Brad focuses on assisting clients with investment policy creation and implementation. He concentrates on wealth preservation, retirement planning, and business planning strategies within the business practice. Brad's clients are predominantly high-net worth individuals, corporations, and non-profit organizations.
An alumnus of Bloomsburg University with a Bachelor of Science degree, Brad has been in the investment industry since 1986. Brad has earned the distinction of Senior Portfolio Manager and Wealth Advisor.
Brad has been married for more than 25 years and has three children. He enjoys family time, travel, golf, wine, jazz music, and attending his children’s sporting events.
An alumnus of Bloomsburg University with a Bachelor of Science degree, Brad has been in the investment industry since 1986. Brad has earned the distinction of Senior Portfolio Manager and Wealth Advisor.
Brad has been married for more than 25 years and has three children. He enjoys family time, travel, golf, wine, jazz music, and attending his children’s sporting events.
Securities Agent: AR, RI, KY, VT, TN, WI, OK, NM, MD, IN, ID, DE, VI, TX, NH, DC, AK, MS, IL, NE, MI, MA, GA, AL, NY, NJ, NC, FL, CA, AZ, PA, VA, NV, HI, CT, WV, WA, UT, SD, SC, OR, OH, MT, CO; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 1275773
NMLS#: 1275773
About Brian Sava
Brian Sava focuses on financial planning, asset allocation modeling and investment selection for individual clients while managing new business development and relationship management initiatives for the team. He also focuses on retirement plan management, investment policy reviews, manager selection and performance monitoring for corporate clients. Brian utilizes his knowledge and skills to implement the disciplined investment process that the team uses to deliver optimal strategies that can help meet the needs of our clients’ unique situations.
Brian earned a Bachelor of Science degree in Computer Science and a MBA from West Virginia University. He began his career in the investment industry at Morgan Stanley in 2007. Further, Brian has earned the CERTIFIED FINANCIAL PLANNER® (CFP®) designation, as well as a Chartered Retirement Plans Specialist® (CRPS®) designation. Within the firm, he also holds the designations of Portfolio Manager, Workplace Advisor - Equity Compensation, and Corporate Retirement Director—a designation held by less than 2% of Morgan Stanley’s Financial Advisors.
Brian lives in Pine Township with his wife, Morgan, daughter, Audri and son, Nicholas. In his free time, he enjoys spending time with family and friends, playing golf and traveling.
Brian earned a Bachelor of Science degree in Computer Science and a MBA from West Virginia University. He began his career in the investment industry at Morgan Stanley in 2007. Further, Brian has earned the CERTIFIED FINANCIAL PLANNER® (CFP®) designation, as well as a Chartered Retirement Plans Specialist® (CRPS®) designation. Within the firm, he also holds the designations of Portfolio Manager, Workplace Advisor - Equity Compensation, and Corporate Retirement Director—a designation held by less than 2% of Morgan Stanley’s Financial Advisors.
Brian lives in Pine Township with his wife, Morgan, daughter, Audri and son, Nicholas. In his free time, he enjoys spending time with family and friends, playing golf and traveling.
Securities Agent: NM, CO, AZ, SC, NE, NC, GA, FL, CA, WV, WI, PA, MI, MD, TX, OR, OK, MA, IN, HI, AL, KS, NY, NV, MT, VA, ME, WA, VT, NJ, KY, IL, ID, DE, AR, RI, OH, DC, UT, TN, NH, CT, AK; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 2683048
NMLS#: 2683048
About Carin Bellack, CFP®
As a Financial Advisor, Carin Bellack’s mission is to help clients make the most of their money to achieve what truly matters to them. She turns their goals into a clear investment plan and a personalized strategy, then works hard to make it happen. Her clients become her top priority, and helping them achieve them is a team effort.
Carin focuses on retirement planning, asset allocation, risk management, annuities and insurance. She strives to make sure her clients understand everything they need to know about their financial plan.
Carin genuinely cares about helping others, and that shines through in everything she does with her clients.
Carin graduated with honors from Youngstown State University in 1999 with a Bachelor of Science degree. She started her career in finance at Morgan Stanley in 2004. She’s also earned the CERTIFIED FINANCIAL PLANNER® (CFP®) designation.
Carin and her husband, Michael, live in Seven Fields, Pennsylvania. They have two adult children, Luke and Alaina. In her free time, Carin loves spending time with her family and friends, reading, staying active and traveling.
Carin focuses on retirement planning, asset allocation, risk management, annuities and insurance. She strives to make sure her clients understand everything they need to know about their financial plan.
Carin genuinely cares about helping others, and that shines through in everything she does with her clients.
Carin graduated with honors from Youngstown State University in 1999 with a Bachelor of Science degree. She started her career in finance at Morgan Stanley in 2004. She’s also earned the CERTIFIED FINANCIAL PLANNER® (CFP®) designation.
Carin and her husband, Michael, live in Seven Fields, Pennsylvania. They have two adult children, Luke and Alaina. In her free time, Carin loves spending time with her family and friends, reading, staying active and traveling.
Securities Agent: UT, TX, AL, RI, NJ, IN, DC, KY, AZ, AR, NY, FL, VA, OK, NE, HI, PA, OR, NH, MD, CT, WA, NV, NC, DE, VT, SC, IL, GA, CO, WV, OH, NM, MA, ID, CA, AK, TN, MT, MI, WI; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1278648
NMLS#: 1278648
About Christopher Radke
Chris Radke has extensive experience and training in wealth management and finance. He started his career in the financial services industry in 2007, and has been with Morgan Stanley since 2018. He holds a Bachelor’s Degree from John Carroll University, and a Master’s Degree from Duquesne University.
Prior to joining Morgan Stanley, Chris spent several years in the asset management industry. He held various positions at two publicly traded firms, which included roles within the project management and sales organizations.
Chris became a Financial Advisor because he saw it as the perfect way to combine his love for helping people and passion for investing in the public and private markets. His role is to understand clients and apply financial best practices in a way that can ideally fit their unique situations so they can potentially accomplish their goals.
Chris constructs individualized wealth management plans with distinctive asset allocations. Given his prior experience in financial markets, Chris is also able to utilize alternative investments to help build a more robust portfolio for his clients when appropriate.
Married with two children, Chris lives in Sewickley, Pennsylvania. In his free time, he enjoys spending time with family and friends, exercising, traveling, and playing platform tennis and golf.
Prior to joining Morgan Stanley, Chris spent several years in the asset management industry. He held various positions at two publicly traded firms, which included roles within the project management and sales organizations.
Chris became a Financial Advisor because he saw it as the perfect way to combine his love for helping people and passion for investing in the public and private markets. His role is to understand clients and apply financial best practices in a way that can ideally fit their unique situations so they can potentially accomplish their goals.
Chris constructs individualized wealth management plans with distinctive asset allocations. Given his prior experience in financial markets, Chris is also able to utilize alternative investments to help build a more robust portfolio for his clients when appropriate.
Married with two children, Chris lives in Sewickley, Pennsylvania. In his free time, he enjoys spending time with family and friends, exercising, traveling, and playing platform tennis and golf.
Securities Agent: AZ, OR, NE, DE, PA, ME, KY, IN, ID, HI, AK, UT, NH, MA, IL, CA, WI, OH, NY, MT, MI, MD, DC, AR, TX, RI, GA, FL, WV, VA, SC, OK, NJ, CT, AL, WA, TN, NC, CO, VT, NV, NM, KS; General Securities Representative; Investment Advisor Representative
NMLS#: 1889147
NMLS#: 1889147
About Michael Anderson
As a Financial Advisor, Mike assists clients in the development of tailored investment portfolios uniquely constructed to match each client’s personal goals, time horizon and risk tolerances. Whether in the accumulation, distribution or transfer phase of one’s life, Mike and his team implement and monitor an appropriate asset allocation and strategy using a disciplined process and personalized approach. Relationships are built on a foundation of honesty, integrity, trust and open communication.
Mike joined Morgan Stanley in 1996. He holds an MBA in Financial Management from Drexel University and a Bachelor of Science Degree in Business Administration from Elizabethtown College.
Mike and his wife of over 35 years are Berks County Natives. Their son is a teacher. Mike is an avid fisherman, kayaker, and outdoorsman. He enjoys spending family vacations wherever there is water.
Mike joined Morgan Stanley in 1996. He holds an MBA in Financial Management from Drexel University and a Bachelor of Science Degree in Business Administration from Elizabethtown College.
Mike and his wife of over 35 years are Berks County Natives. Their son is a teacher. Mike is an avid fisherman, kayaker, and outdoorsman. He enjoys spending family vacations wherever there is water.
Securities Agent: WI, FL, SC, NH, NC, HI, GA, ID, DE, WV, VA, TX, NJ, KY, UT, NV, MT, CA, RI, PA, OK, MN, AZ, AR, OR, OH, IN, IL, IA, DC, WA, NY, CT, CO, VT, TN, MI, MA, NM, NE, MD, AL, AK, MO, ME; BM/Supervisor; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 2126081
NMLS#: 2126081
About William Brandon Byrne
As a Financial Advisor in the Penn Atlantic Group, Bill focuses on managing new business development and relationship management initiatives while assisting the group in financial planning and asset allocation modeling for individual clients. Bill also concentrates on client engagement, and through educational initiatives he ensures that all clients receive the quality service the Penn Atlantic Group provides.
Bill earned his Bachelor of Science degree from Penn State University. Prior to coming to Morgan Stanley in 2013, Bill gained experience in the financial industry while working with Edward Jones Investments.
Bill lives in Wyomissing with his wife, Hilary, young daughter, Eleanor, and Sheep-a-doodle Sophie. In his free time, he enjoys spending time with friends and family, fishing, golfing and vacationing at the beach.
Bill earned his Bachelor of Science degree from Penn State University. Prior to coming to Morgan Stanley in 2013, Bill gained experience in the financial industry while working with Edward Jones Investments.
Bill lives in Wyomissing with his wife, Hilary, young daughter, Eleanor, and Sheep-a-doodle Sophie. In his free time, he enjoys spending time with friends and family, fishing, golfing and vacationing at the beach.
Securities Agent: IN, ID, DE, OK, AR, UT, PA, OH, FL, CO, WA, MI, ME, GA, WV, TN, OR, NM, MA, DC, WI, VA, NY, TX, MD, VT, CA, NH, NE, MT, KY, CT, AL, AK, NV, HI, AZ, VI, SD, NC, IL, SC, RI, NJ; General Securities Representative; Investment Advisor Representative
NMLS#: 1369855
NMLS#: 1369855
About Leanna M. Klett
Leanna Klett is the Group Director for the Penn-Atlantic Team. In this role, she leverages over 10 years of experience in client relationship management and operations management to help the team’s Financial Advisors manage various aspects of the business. Within the team, she focuses on fostering communication between the partners and staff, oversees the development and implementation of strategies to execute the team's business plan and manages various operational initiatives within the team in which her primary focus is to ensure an exceptional experience for clients and their families.
Leanna earned a B.A. in Communications from Penn State University. She began her career in the investment industry at Federated Hermes, where she obtained her Series 7 and 66 licenses. Since joining Morgan Stanley, she has obtained the Financial Planning Associate designation and emphasizes creating customized financial plans for clients.
Leanna resides in Peters Township with her husband, Keenan, and two daughters, Palmer and Reese. In her free time, she enjoys traveling, staying active and spending time with family and friends.
Leanna earned a B.A. in Communications from Penn State University. She began her career in the investment industry at Federated Hermes, where she obtained her Series 7 and 66 licenses. Since joining Morgan Stanley, she has obtained the Financial Planning Associate designation and emphasizes creating customized financial plans for clients.
Leanna resides in Peters Township with her husband, Keenan, and two daughters, Palmer and Reese. In her free time, she enjoys traveling, staying active and spending time with family and friends.
About Marissa DelloRusso
As a Registered Client Service Associate, Marissa DelloRusso enjoys developing relationships with clients, helping them utilize digital platforms and being a person to lean on when they need assistance.
Marissa joined Morgan Stanley in 2020, where she earned her Series 7 and 66 licenses. She became a member of the Penn-Atlantic Group in 2022. Marissa previously with local, non-profit organizations throughout the city of Pittsburgh.
Marissa was born and raised on Long Island, New York, and enjoys going back to visit family. She graduated from Slippery Rock University with a B.A. in Public Relations (and a minor in Spanish) in 2016. During her time at college, she enjoyed dancing with a variety of dance teams and traveling abroad.
Marissa now resides with her boyfriend and cat on Mt. Washington, and enjoys relaxing on the porch with a glass of Long Island wine.
Marissa joined Morgan Stanley in 2020, where she earned her Series 7 and 66 licenses. She became a member of the Penn-Atlantic Group in 2022. Marissa previously with local, non-profit organizations throughout the city of Pittsburgh.
Marissa was born and raised on Long Island, New York, and enjoys going back to visit family. She graduated from Slippery Rock University with a B.A. in Public Relations (and a minor in Spanish) in 2016. During her time at college, she enjoyed dancing with a variety of dance teams and traveling abroad.
Marissa now resides with her boyfriend and cat on Mt. Washington, and enjoys relaxing on the porch with a glass of Long Island wine.
About John Castello
In his role, John Castello is able to fulfill his desire to help others. He feels fortunate to have the privilege of developing relationships with clients, assisting them in maximizing Morgan Stanley’s digital platforms and providing dependable support when they seek help.
John joined the Penn-Atlantic Group in 2024. Before coming to Morgan Stanley, he earned his Series 7, 63 and 65 licenses. In 2021, John graduated from the University of Dayton with a B.A. in Economics.
Born and raised in Milford, Connecticut, John enjoys skiing, fishing and rock climbing. He now resides in the South Side neighborhood of Pittsburgh, and loves to sample new restaurants around the city.
John joined the Penn-Atlantic Group in 2024. Before coming to Morgan Stanley, he earned his Series 7, 63 and 65 licenses. In 2021, John graduated from the University of Dayton with a B.A. in Economics.
Born and raised in Milford, Connecticut, John enjoys skiing, fishing and rock climbing. He now resides in the South Side neighborhood of Pittsburgh, and loves to sample new restaurants around the city.
Contact W Bradford White Jr.
Contact Brian Sava
Contact Carin Bellack, CFP®
Contact Christopher Radke
Contact Michael Anderson
Contact William Brandon Byrne
Wealth Management
Global Investment Office
Portfolio Insights
This is a video content
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
State of the Workplace Study 2023
Article Image
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 Penn-Atlantic Group today.
Certified Financial Planner Board of Standards, Inc. (CFP Board) owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™, and CFP® (with plaque design) in the United States, which it authorizes use of by individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
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.
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.
3When 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.
4Morgan 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.
5Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
6Morgan 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
7Morgan 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.
8Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
9When 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.
10Alternative 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.
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 Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
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
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.
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.
3When 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.
4Morgan 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.
5Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
6Morgan 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
7Morgan 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.
8Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
9When 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.
10Alternative 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.
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 Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
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
CRC 6491812 (04/2024)
