The Pine Group at Morgan Stanley

Kimberly Pine-Koenig is a Senior Vice President, Portfolio Management Director and Financial Advisor with Morgan Stanley. With over 30 years of experience, Kimberly is one of the founding partners of The Pine Group at Morgan Stanley. As a Certified Financial Planner (CFP) and Senior Investment Management Consultant (SIMC), she works closely with clients to establish personalized financial plans and investment portfolios. Kimberly believes in a comprehensive approach that encompasses all aspects of a client’s financial life. She also assists with liability management and collaborates with clients’ legal and tax advisors to provide coordinated guidance on wealth transfer, estate planning strategies and other complex financial strategies.

Kimberly grew up with a passion and talent for financial strategizing, and started investing at the young age of 13. Prior to joining her father Roger and co-founding The Pine Group, she ran two successful jewelry design and manufacturing companies. She brings a keen understanding of entrepreneurship to the clients she serves. In 2011, Kimberly took the reins of The Pine Group and has expanded the team’s breadth of talent. She has been selected annually since 2011 as a “Five Star Wealth Manager” of the Hudson Valley, ranking highest in service and overall satisfaction.

Kimberly earned a BS in Finance and Economics from Siena College. She is an active member of the Financial Planning Association, a leadership and advocacy organization. An avid believer in community involvement, Kimberly has served on various charitable boards and committees with a focus on children, animals and art education over the last 30 years. She belongs to and served on the board of directors of the Woodstock Guild of Craftsmen. She has served on the fundraising and finance committees for Big Brothers Big Sisters of Kingston, as well as the Children’s Home of Kingston. She holds a black belt in Aikido and is a member of the USAF Aikido Federation.

Kimberly has taught continuing education courses in personal finance at Marist College and continues to educate at local workshops and seminars. Her “Suddenly Single” seminars are geared to help men and women in transition take better control of their personal finances. She is committed to helping people who are going through life changes, whether due to death, divorce, retirement or business succession, and has made this one of the core focus areas of The Pine Group.

In her spare time, Kimberly enjoys spending time with her family and pets, traveling, martial arts, lapidary work, metalsmithing, cooking and reading.

2022; 2021; 2019; 2017; 2016; 2015; 2014; 2013 Five Star Wealth Manager Award Source: fivestarprofessional.com (Awarded 2022; 2021; 2019; 2017; 2016; 2015; 2014; 2013) The award was determined based on an evaluation process conducted by Five-Star Professional based on objective criteria. The award was not based on a specific time period.

Francis Venezia, Frank, is a Financial Advisor and Senior Portfolio Manager with Morgan Stanley. He has served in the financial services industry for over 35 years, having worked for Merrill Lynch, E.F. Hutton, Shearson Lehman and Smith Barney prior to joining The Pine Group.

Frank works diligently to advise clients about financial planning strategies including investment and portfolio management, retirement planning and estate planning. He helps clients find smart ways to invest their money, giving advice about individual securities as well as mutual funds, insurance products and other investment vehicles offered by the industry. He also manages client portfolios on a discretionary basis using specific, client-established investment objectives, subject to periodic audited performance reviews. Frank emphasizes asset allocation, diversification, and capital preservation strategies in his client’s portfolios.

Francis Venezia, Frank, has served in the financial services industry for over 40 years having worked for Merrill Lynch, E.F. Hutton, Shearson Lehman Brothers, Smith Barney, and now as a Financial Advisor and Portfolio Management Director at Morgan Stanley.
Frank works diligently to advise clients about financial planning including investment and portfolio management, retirement planning, and estate planning strategies. He helps clients to invest their money, giving advice about individual securities as well as mutual funds, insurance products and other investments offered by the industry.
As of December 31st, 2024, Frank also manages over $200,000,000 in over 400 client portfolios on a discretionary basis using specific, client established investment objectives and subject to periodic audited Performance reviews. Frank emphasizes asset allocation, diversification and capital preservation strategies in his client’s portfolios. Frank builds portfolios using individual stocks and bonds, and Exchange Traded Funds (ETFs).
Frank has been happily married for over fifty years, has raised three children and is blessed with two grandchildren. He is a graduate of Our Lady of Lourdes H.S., Poughkeepsie, NY; he earned a Bachelor of Science degree in Commerce and Management at Niagara University School of Business and Management; and he completed post graduate studies at Cornell University and Marist College. He has also served his local community as a Trustee for the Rhinebeck Central School District Board of Education; as a Councilman for the Clinton, NY Town Board; and as the Music Director for the Good Shepherd Church, Rhinebeck, NY where he still serves as an organist.

Morgan Stanley Smith Barney LLC offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please visit us at http://www.morganstanleyindividual.com or consult with your Financial Advisor to understand these differences.

The investments listed may not be appropriate for all investors. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, and encourages investors to seek the advice of a financial advisor. The appropriateness of a particular investment will depend upon an investor's individual circumstances and objectives.

Asset Allocation and Diversification do not assure a profit or protect against loss in declining financial markets.

Morgan Stanley Smith Barney LLC offers insurance products in conjunction with its licensed insurance agency affiliates.


Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.

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David Lambert has been a Financial Advisor since 2014. In January of 2016, he moved his practice to Morgan Stanley to work with his respected colleagues at The Pine Group. In 2018, he was certified as a Chartered Retirement Planning Counselor (CRPC). In 2019, he achieved the Portfolio Manager designation and has recently been promoted to Senior Portfolio Manager. He focuses on offering clients a road map for retirement, addressing their pre- and post-retirement needs, asset management and estate planning strategies. David embodies Morgan Stanley’s core values of putting clients first, doing the right thing, leading with exceptional ideas and giving back.

David is the President of the Rotary Club in Highland, where their motto is “Service Above Self”. He spends countless hours giving back to the community, by raising money for people and organizations in need, organizing volunteer events, teaching entrepreneurship and finance to kids and many other charitable activities. David is also a friend of the American Legion and volunteers regularly to assist activities at his local post.

David earned dual Bachelor’s degrees in Business Administration and Psychology from Mount St. Mary College in 2002. He has spent half his life in New York’s Mid-Hudson Valley and half upstate in Saratoga County. He currently resides in Highland with his wife and two sons. When not at work, David is spending time with his family and friends or playing sports.

Christopher joined Morgan Stanley in 2017 as a Wealth Advisor Associate. He transitioned to a Financial Advisor role in 2020 as a member of the Luksberg Peña group. He studied Business Administration at SUNY Ulster and worked at financial institutions for 2 years prior to Morgan Stanley. Chris believes in giving back to the community. In his free time, he assists in coaching youth sports in the Ulster county area. As a youth athlete, Chris received the honor of being inducted into the Who’s Who in Youth Sports Babe Ruth Baseball Hall of Fame and also received the honor of first team All-Conference for golf while attending SUNY Ulster. Away from business he enjoys golfing, recreational sports, mountain biking, and spending time with family and friends.

NMLS 2271085

Sarah Cuozzo began her career in the industry in 2013. She joined Morgan Stanley in 2018 and spent her first two years with the Firm as a Wealth Advisor Associate. During this time she completed hundreds of financial plans for Morgan Stanley clients, and became a Financial Planning Specialist.

Prior to 2018, Sarah worked in the Insurance Industry where she was a Council Agent with New York Life. She also spent a great deal of time conducting seminars and teaching Adult Education classes and seminars centered on Social Security, Medicare and Long-Term Care Solutions. Sarah’s background in Insurance, Long-Term Care and Medicare gave her a solid foundation prior to joining Morgan Stanley. As a Financial Advisor with The Pine Group, her unique background offers a different perspective and adds great value when helping clients to navigate retirement and all of the challenges that come along with it.

Sarah is a graduate of SUNY Cortland where she earned a Bachelor’s degree in Political Science with a minor in Child Psychology. After working for several years, Sarah returned to school and earned her Master’s degree in Business at Wagner College. She grew up in the Hudson Valley and currently resides in Pleasant Valley, NY. She enjoys spending time with her children, skiing and other outdoor activities. Her youngest daughter has special needs, so it is important to Sarah to be involved in fundraising and other activities centered on Autism Awareness.

Margaret McLucas began her career with Morgan Stanley in 1996 and joined The Pine Group in 2012. She currently maintains Series 7, 63, 9 and 10 licenses.

Margaret understands that a key responsibility of the firm is to keep clients’ day-to-day financial activities running smoothly. Her organizational experience and interpersonal skills give clients confidence that their administrative needs are being met and their client portfolios are in capable hands. Margaret’s work includes helping clients with the online interface, performing regular statement reconciliation and addressing administrative needs as they arise.

Margaret currently lives in Red Hook and in her off time enjoys spending time with her three granddaughters.

Michelle Hover is a Senior Client Service Associate at Morgan Stanley in Poughkeepsie, New York. With over 25 years of experience in the financial services industry, Michelle has an organized and methodical approach to completing client’s requests and special projects. Michelle’s work includes helping with asset consolidation for our clients.

Michelle graduated from John Jay High School and attended Dutchess Community College. She started in the financial service business with Smith Barney in 1994 when her father, Roger Pine, a Financial Advisor and her sister, Kimberly Koenig, also a Financial Advisor, asked her to bring her assets and experience to the team.

Michelle grew up in Fishkill, New York and currently lives there with her husband Glenn, sons, Kyle and Max and their French Bulldog Cooper. Her husband Glenn is an electrician. Her son Kyle graduated from Hofstra University and her son Max graduated from SUNY Ulster. She enjoys spending time with her family including family vacations & traveling with her son Max to watch him play baseball.

Corrina Stegner began her career with Morgan Stanley in 2004 and has spent that entire time at Morgan Stanley. Corrina is a graduate of Columbia Greene-Community College with an Associate Degree in Business Administration.

Corrina takes pride in being the first point of contact for clients at Morgan Stanley. She is highly adept at addressing issues quickly and efficiently. Corrina is committed to providing each client with the highest level of personal service, From the largest task to the smallest request, Corrina works tirelessly to exceed client expectations.

Corrina is a lifelong resident of New York’s Hudson Valley. She is currently married and has two adult children. Corrina is a member of the Greene County Region NY13 Blue Star Mothers, supports her disabled son in Special Olympics Bowling and is a life long member of the High Hill United Methodist Church.