Welcome

As a Morgan Stanley Wealth Advisor team, our mission is to assist clients with their unique wealth planning and investment management needs.  We are professional advisors who conscientiously address the known and unknown needs of our clients, helping them accomplish those goals.  We draw upon our experience, knowledge, education, and professional training to bring the best of Morgan Stanley to our clients – serving all of their investment and wealth planning needs.The Tambellini Bernacki Team builds trust and earns long term relationships by being accountable to our core principal values:• Integrity – put the client’s needs first• Service – anticipate the client’s needs and help prevent problems• Competence –  strive to preserve wealth and control risk firstOur team approach provides several competitive distinctions that begin with experience, longevity and accessibility:• All advisors are fully informed and involved in every client’s portfolio – beginning with its construction and continuing with its ongoing maintenance and rebalancing.• We hold face-to-face client meetings to discuss quarterly or semi-annual performance and review and update their personal Wealth Plan.• Our standardized process for portfolio creation includes consideration for every asset class.  Our dynamic and systematic investment approach reacts to the ever changing business environment and leverages the vast intellectual capital and information flow from Morgan Stanley.
Services Include
  • Wealth Management1
  • Retirement Planning2
  • 401(k) Rollovers
  • Financial Planning3
  • Professional Portfolio Management4
  • Executive Financial Services5
  • Asset Management6
  • Estate Planning Strategies7
  • Trust Accounts8
  • Fixed Income9
  • Corporate Bonds10
  • Municipal Bonds11
  • Annuities12
  • Exchange Traded Funds13
  • Cash Management14
  • Certificates of Deposit15
  • Foreign Exchange16
  • Alternative Investments17
  • Futures18
  • Commodities19
  • Precious Metals20
  • Life Insurance21
  • Long Term Care Insurance22
  • Planning for Education Funding23
  • 529 Plans24
  • UGMA/UTMA25
  • Lending Products
  • Qualified Retirement Plans26
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*

Experience

    Working With You

    Whether you’re planning for your retirement, to fund education for your children or grandchildren, to buy a vacation home, to develop an income and asset protection strategy, or to address health care needs, you need a wealth planning strategy that will serve as a roadmap to your future.

    Leveraging Morgan Stanley’s vast resources – intellectual capital, industry leading investment platforms, lending platform, and planning related subject matter experts – we can work with you to create a personalized wealth strategy.  Then, over time, we can adapt it to changing circumstances, helping you to achieve – and to protect – your goals.

    Your wealth strategy doesn’t just consider your investment objectives.  Rather, it is tailored to address the personal life goals you’ve identified and prioritized.

    Using our suite of tools – our LifeView® platform – we can create a wealth plan that coordinates your financial resources with your life goals and provides a baseline for future discussions.

    LifeView® is a registered service of Morgan Stanley & Company and used under license. Morgan Stanley Advisors are not legal or tax advisors

      The Team Approach

      ?We believe that working as a team helps to provide you with access to the most appropriate solutions, and helps to ensure that you benefit from the highest levels of service. While we bring complementary skills and perspectives to our clients, we also share a commitment to responding to your needs promptly, professionally and thoroughly. Our goal is to earn your confidence not only through the quality of solutions we provide to you, but also the excellence with which we deliver them.

      We believe in maximum portfolio diversification.  Our combined investment experience dates back to 1980, with experience and historical perspective in most investment market phenomena.  Consequently, our investment style focuses on capital preservation as well as capital growth.

      Our investment philosophy is based on the full understanding of our client’s investment portfolio, total financial picture, and dynamic objectives.  Our portfolio work focuses on our clients’ goals , aspirations, and risk parameters which are incorporated into a formal Wealth Plan using Morgan Stanley’s LifeView® planning software.  We develop a tailored, comprehensive asset allocation strategy that incorporates all major sub asset classes.  Our investment process is dynamic, based on economic conditions, market conditions, and client life changes.

      LifeView® is a registered service of Morgan Stanley & Company and used under license. Morgan Stanley Advisors are not legal or tax advisors

        Our Clients

        Typical Client Profiles:

        • High Net Worth Families

        • Corporate Executives & Corporate Managers

        • Attorneys

        • Physicians

        • Business Owners

          Location

          1 Ppg Place
          Ste 1300
          Pittsburgh, PA 15222
          US
          Direct:
          (412) 434-8503(412) 434-8503
          Toll-Free:
          (800) 487-1879(800) 487-1879

          Meet The Tambellini Bernacki Team

          Photo of Matthew R. Ruffalo

          Matthew R. Ruffalo

          Associate Vice President, Wealth Management, Consulting Group Analyst

          Photo of Hannah Williams

          Hannah Williams

          Registered Client Service Associate

          About Me

          Ronald K. Tambellini is a Senior Vice President - Wealth Management at Morgan Stanley in Pittsburgh. Ron serves as Wealth Advisor, Senior Portfolio Manager and Senior Investment Management Consultant at the firm. He is the senior member of The Tambellini Bernacki Team at Morgan Stanley located in Morgan Stanley's Pittsburgh Downtown Office, serving clients on a national scope. Before joining Morgan Stanley (Formerly Dean Witter) in 1994, Ron served as Vice President - Investments at Kidder, Peabody & Co., beginning in 1980. Ron has more than 35 years of experience in diversified portfolio advice, portfolio management, and investment planning. Prior to 1980, Tambellini served as Vice President - Finance at closely held Tambellini Foods, Inc., and as financial analyst at Ford Motor Company. Ron earned his MBA degree in Finance from Penn State University in 1977, after graduating from Northwestern University in 1974 with a BA in Psychology. Ron has the Certified Investment Management Analyst (CIMA) designation from the Investment Management Consultants Association.

          Ron lives with his wife, Mary, in Mount Lebanon, PA and enjoys running, exercise, golf, classical and new music, art, and theatre.  Ron and Mary have a son, Jess, residing in New Jersey, a daughter, Lea, son-in-law, Danny, and grandson, Louis, residing in Pittsburgh, and a daughter, Cara, son-in-law, Aaron, and granddaughter, Vera, residing in Los Angeles.  Ron, Mary, and their children have all completed running marathons.
          Securities Agent: TX, PA, WY, WV, WA, VA, RI, OH, NY, NV, NJ, NH, NC, MO, MI, MD, MA, KY, IN, IL, IA, GA, FL, DE, DC, CT, CO, CA, AZ, AL, AK; Managed Futures; Transactional Futures/Commodities; General Securities Representative; Investment Advisor Representative
          NMLS#: 1270276

          About Me

          Henry J. Bernacki is a Vice President, Wealth Advisor with Morgan Stanley in Pittsburgh, joining the firm in 2001.  Henry earned his BS in Business Administration from Duquesne University, with a major in Finance and minor in Accounting.  In April 2002, Bernacki earned the Wealth Advisor designation.  Henry collaborates with Senior Vice President and Wealth Advisor, Ron Tambellini, on assisting clients with portfolio asset allocation, investment planning, portfolio implementation, and all areas of financial planning.  In 2007, Henry received the CERTIFIED FINANCIAL PLANNER™ (CFP®) certification.  Henry is committed to the growth of The Tambellini Bernacki Team’s clientele through his marketing efforts and business building practices.  

          Henry currently resides in Cranberry Township, PA with his wife Anne, and their three children, Isabelle, Henry, and George.  Henry is an avid golfer and has a new passion for running.  He completed his first marathon in Pittsburgh in 2015.
          Securities Agent: TX, PA, WY, WV, WA, VA, RI, OH, NY, NV, NJ, NH, NC, MO, MI, MD, MA, KY, IN, IL, IA, GA, FL, DE, DC, CT, CO, CA, AZ, AL, AK; Managed Futures; General Securities Representative; Investment Advisor Representative
          NMLS#: 1279651

          About Me

          John Jones is a Financial Advisor and Financial Planning Specialist with Morgan Stanley, having joined the firm in January, 2011.  John graduated with a BS from the University of Pittsburgh in 2000 where he was recognized as a University Scholar.  Prior to Morgan Stanley, he worked in a sales and business development capacity for three Fortune 500 biopharmaceutical companies (Sanofi, Wyeth, & Thermo Fisher Scientific) where he received several national sales awards.   

          Today, John focuses on expanding the team’s diverse clientele which includes corporate executives, attorneys, physicians, and business owners.  John collaborates with Ron, Henry, and Consulting Group Analyst, Matthew Ruffalo, in the development and implementation of investment portfolio strategies.  He also assists many of the team’s clients with their wealth planning needs.  Specifically, John develops Wealth Plans that integrate each client’s unique corporate benefits (insurance, retiree medical, retirement savings, etc.) to address their financial needs, goals, and aspirations.

          John lives in Allison Park, PA with his wife, Kelly, and two children, Mia and Brady.  In his free time, he enjoys staying physically active, spending time with his family and friends, and coaching his children’s youth basketball teams.
          Securities Agent: TX, PA, WY, WV, WA, VA, RI, OH, NY, NV, NJ, NH, NC, MO, MI, MD, MA, KY, IN, IL, IA, GA, FL, DE, DC, CT, CO, CA, AZ, AL, AK; Managed Futures; General Securities Representative; Investment Advisor Representative
          NMLS#: 1294046

          About Me

          Matthew R. Ruffalo is an Assistant Vice President, Consulting Group Analyst with Morgan Stanley in Pittsburgh, who joined The Tambellini Bernacki Team at Morgan Stanley in May 2004.  Matthew earned his BA in Economics from Fordham University, with a minor in Business Administration.  Matthew participates in overall business development of clientele by working closely with Ron and Henry on client reporting, marketing strategy, portfolio analysis, portfolio maintenance, trading, and implementation.  Matthew is also responsible for tailored presentation materials and performance measurements of client accounts.  Matthew provides ongoing attention to client portfolios and consistently monitors the investment and manager universe available to clients of Morgan Stanley.

          Matthew currently resides in Upper St. Clair, PA with his wife Jessica and their daughter Riley.  During the winter months, Matthew enjoys skiing.  He is also an avid Steelers, Penguins, and Pirates fan.

          About Me

          Hannah Williams is a Registered Client Service Associate with Morgan Stanley in Pittsburgh, joining the firm in 2013. Hannah began working with The Tambellini Bernacki Team at Morgan Stanley in March 2015. Prior to Morgan Stanley, Hannah attended the University of Pittsburgh and earned her BA in Communication and Rhetoric with an additional certificate in Corporate and Community Relations. Hannah manages client requests on a daily basis and strives to provide quality service to the team and their clientele. 

          Hannah lives in the Shadyside neighborhood of Pittsburgh. She enjoys spending time outdoors and maintaining an active lifestyle.
          Investment and Market Perspectives

          On the Markets

          Retirement

          Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
          • 401(k) Rollovers
          • IRA Plans
          • Retirement Income Strategies
          • Retirement Plan Participants
          • Annuities
          The Simple Six-Step Retirement Checkup

          The Simple Six-Step Retirement Checkup

          Given market volatility in 2018, checking in on your retirement plan may be one of the wisest New Year’s resolutions you can make.

          Investing

          Working closely with you to guide your wealth and investments through the most challenging market cycles.
          • Asset Management
          • Wealth Planning
          • Traditional Investments
          • Alternative Investments
          • Impact Investing
          Five Smart Strategies to Use a Bonus or Raise

          Five Smart Strategies to Use a Bonus or Raise

          Have extra money coming in? Here are ways to put your money to work for you now, so you can reap the rewards down the road.

          Family

          Creating customized financial strategies for the challenges that today's families face.
          • Estate Planning Strategies
          • 529 Plans / Education Savings Planning
          • Long Term Care Insurance
          • Special Needs Planning
          • Trust Services
          Financial Transition: A Guide for Women

          Financial Transition: A Guide for Women

          Here's how to take control of your finances if a death or divorce leaves you holding the reins.

          Business Planning

          Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
          • Succession Planning
          • Business Planning
          • Retirement Plan Sponsors
          • Qualified Retirement Plans
          • Corporate Pension Funds
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          6 Keys to Building a Startup

          Entrepreneurs share ideas and learnings from the experience of starting a company.

          Philanthropy

          Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
          • Endowments
          • Foundations
          • Donor Advised Funds
          • Impact Investing
          A New Roadmap for Mission Alignment

          A New Roadmap for Mission Alignment

          Non-profits, foundations and endowments need to ensure that their sources of capital are in sync with their stated goals.

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          Ready to start a conversation? Contact The Tambellini Bernacki Team today.
          Market Information Delayed 20 Minutes
          Certified Financial Planner™ Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and CFP® (with flame logo)® in the U.S., which it awards to individuals who successfully complete CFP® Board's initial and ongoing certification requirements.

          1Morgan 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.

          2Morgan 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.

          3Morgan 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.

          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 suitable 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.

          5Tax laws are complex and subject to change. Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice and are not “fiduciaries” (under ERISA, the Internal Revenue Code or otherwise) with respect to the services or activities described herein except as otherwise provided in writing by Morgan Stanley and/or as described at www.morganstanley.com/disclosures/dol . Individuals are encouraged to consult their tax and legal advisors (a) before establishing a retirement plan or account, and (b) regarding any potential tax, ERISA and related consequences of any investments made under such plan or account.

          6Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.

          7Morgan Stanley Smith Barney LLC (“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 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.

          9Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.

          10Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.

          11Income 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.

          12Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.

          13An investment in an exchange-traded fund involves risks similar to those of investing in a broadly based portfolio of equity securities traded on exchange in the relevant securities market, such as market fluctuations caused by such factors as economic and political developments, changes in interest rates and perceived trends in stock prices. The investment return and principal value of ETF investments will fluctuate, so that an investor's ETF shares, if or when sold, may be worth more or less than the original cost.

          14Morgan 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

          15CDs are insured by the FDIC, an independent agency of the U.S. Government, up to a maximum of $250,000 (including principal and accrued interest) for all deposits held in the same insurable capacity (e.g. individual account, joint account, IRA etc.) per CD depository. Investors are responsible for monitoring the total amount held with each CD depository. All deposits at a single depository held in the same insurable capacity will be aggregated for the purposes of the applicable FDIC insurance limit, including deposits (such as bank accounts) maintained directly with the depository and CDs of the depository.

          16GlobalCurrency deposits are held at Morgan Stanley Private Bank, National Association ("MSPBNA"), Member FDIC. Morgan Stanley Smith Barney LLC and MSPBNA are affiliates. Morgan Stanley Smith Barney LLC is a registered broker-dealer, not a bank. Unless specifically disclosed in writing, other investments and services offered through Morgan Stanley Smith Barney are not insured by the FDIC, are not deposits or other obligations of, or guaranteed by, a bank and involve investment risks, including possible loss of principal amount invested. FDIC insurance does not protect against losses due to exchange rate movements.

          17Alternative 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 suitable only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.

          18Investing in futures and options on futures contracts entails significant risks. Prices of futures and options on futures contracts may be affected by a variety of factors at any time, including but not limited to, (i) changes in supply and demand relationships, (ii) governmental programs and policies, (iii) national and international political and economic events, war and terrorist events, (iv) changes in interest and exchange rates, (v) trading activities in the underlying assets or commodities and related contracts, (vi) pestilence, technological change and weather and (vii) the price volatility of a commodity or asset. In addition, the futures markets may be subject to temporary distortions or other disruptions due to various factors, including lack of liquidity, participation of speculators and government intervention.

          19Investing in commodities entails significant risks. The commodities markets may fluctuate widely based on a variety of factors including changes in supply and demand relationships; governmental programs and policies; national and international political and economic events; war and terrorist events; changes in interest and exchange rates; trading activities in commodities and related contracts; pestilence; weather; technological change; and, the price volatility of a commodity. In addition, the commodities markets are subject to temporary distortions or other disruptions due to various factors, including lack of liquidity, participation of speculators and government intervention.

          20Precious metals are speculative investments and, as such, their value can be subject to declining market conditions.

          21Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.

          22Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.

          23Morgan 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.

          24Investors should consider many factors before deciding which 529 plan is appropriate. Some of these factors include: the Plan’s investment options and the historical investment performance of these options, the Plan’s flexibility and features, the reputation and expertise of the Plan’s investment manager, Plan contribution limits and the federal and state tax benefits associated with an investment in the Plan. Some states, for example, offer favorable tax treatment and other benefits to their residents only if they invest in the state’s own Qualified Tuition Program. Investors should determine their home state’s tax treatment of 529 plans when considering whether to choose an in-state or out-of-state plan. Investors should consult with their tax or legal advisor before investing in any 529 Plan or contact their state tax division for more information. Morgan Stanley Smith Barney LLC does not provide tax and/or legal advice. Investors should review a Program Disclosure Statement, which contains more information on investment options, risk factors, fees and expenses and possible tax consequences.

          25Morgan 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.

          26Tax laws are complex and subject to change. Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice and are not “fiduciaries” (under ERISA, the Internal Revenue Code or otherwise) with respect to the services or activities described herein except as otherwise provided in writing by Morgan Stanley and/or as described at www.morganstanley.com/disclosures/dol . Individuals are encouraged to consult their tax and legal advisors (a) before establishing a retirement plan or account, and (b) regarding any potential tax, ERISA and related consequences of any investments made under such plan or account.

          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 suitable 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”) 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.


          CRC 2019752 10/2018