Our Story and Services

The ThirtyFive/24 Group at Morgan Stanley specializes in working with attorneys, real estate professionals, business owners, and high net worth/ultra-high net worth families. We help our clients navigate every aspect of their financial lives by creating a comprehensive financial plan and a customized investment strategy for each client. After implementation, we continuously monitor your plan and investment strategy and adjust as needed.

In working with affluent families, we address complex, multigenerational wealth management issues. As your family grows and your wealth increases, you may face more subtle and profound wealth management situations. As the demands of your family grow and evolve, you will likely need professionals who have expanded capabilities.

We work in close coordination with trust companies, CPAs, and estate attorneys to formulate our client's team of advisors. In creating a “family office” atmosphere for our clients, we simplify the often complex financial lives of our clients. Our team is structured to meet the diverse needs of ultra-high net worth families, including aircraft, marine and art lending, estate planning strategies, and philanthropic missions.

Our goal is to be your first call on any financial matter. We are here to help you enjoy your life with the confidence that your financial wellbeing is secure.
Services Include
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheckLink Opens in New Tab.*

Working With You

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    1. Discovery
    We will begin our relationship by listening — discussing the full range of topics related to your financial needs and investment objectives: lifestyle, estate/life insurance planning, philanthropic and legacy goals and expectations, possible major purchases, and legacy and charitable goals. We will discuss your financial resources, time horizon for various goals, tolerance for risk and your liability structure.
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    2. Formation of Wealth Strategy
    After setting your objectives, We will create a customized written financial and investment plan. This will address income and retirement planning, asset protection, investment management, strategic borrowing, wealth transfer and business succession. The plan will include an asset allocation strategy designed to help achieve your financial goals in light of your risk tolerance and investment time horizon.
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    3. Creation of Customized Strategic & Tactical Asset Allocation
    After developing your wealth management strategy, I will implement a tactical asset allocation for your investments which includes our Tax Management Services. We will also work together to ensure that you estate plan is in line with your objectives. This will include consulting with you on your gifting program, philanthropic goals, and life insurance. I will also work with our Private Banker to assess and advise on your borrowing needs.
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    4. Constant Ongoing Assessment & Review
    After implementing your strategy, we will meet together to periodically review your financial plan and investment portfolio. This will allow us to track the progress toward your objectives. Moreover, when your personal situation or market conditions change significantly, I can suggest appropriate adjustments to your plan to help it remain aligned with your goals.

Area of Focus

We leverage our position and our affiliates to source innovative strategies from among the most knowledgeable investment minds in the business. Employing rigorous due diligence to identify, evaluate and select each alternative investment product on our platform, we work to identify the managers that we believe are highly qualified to help our clients meet their objectives. Your choices will depend on your goals, objectives and risk tolerance.

Setting a Foundation

Our team sets out to properly educate each of their clients in wealth planning. Effective communication and understanding is key to any strategy. On this page you will find a multitude of family wealth planning resources that not only start the conversation but provide tangible items to reference. Please take a moment to review the documents on this page from Morgan Stanley and contact us for any questions or concerns.
Family Governance Fact Sheet
This document provides an overview of Family Governance and how to address the complexities of transferring wealth to the next generation, advising on specific strategies, and preserving family legacy.
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Family Foundation Toolkit
This toolkit provides an overview of best practices for forming a family foundation including information on creating a mission statement, roles and responsibilities, and legacy and succession planning.
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Family Constitution and Family Bylaws
Family governance documents, such as Family Constitutions and Family Bylaws, can be important parts of the family governance system. Learn more about how these documents can help lay a solid foundation towards family wealth planning.
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Sample Family Mission Statement
This sample of a family mission statement is intended to be educational in nature and is for illustrative purposes only. Please review this example to start a conversation with proper council.
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10 Rules for Talking to Kids About Money
Many affluent parents dread talking with their kids about money. “Once we talk about money,” they say, “it will be like opening Pandora’s box. Nothing but evil will issue forth. "This resource is here to help you navigate this conversation in a positive and constructive direction.
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Wealth Education Development Plan
There is subject matter that family members must understand if they are to manage generational wealth and become effective stewards. Please review this educational resource to create a deeper understanding of family wealth planning.
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Client Resources

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    Family Office Resources
    Family Office Resources (FOR) provides specialized technical expertise to ultra-high net worth Financial Advisors and clients across a broad range of family wealth management issues.
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    On the Markets Research Report
    Detailed market commentary from Morgan Stanley's thought leaders on topics such as global equities, fixed income, monetary policy and more.
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    Thoughts on the Market Podcast
    With perspectives on the forces shaping the market, join Morgan Stanley's Chief Investment Officer and Chief US Equity Strategist as he and his colleagues discuss their viewpoints regarding the latest trends in the financial marketplace.
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    Digital Vault
    Digital Vault lets you easily and conveniently manage and share life’s most important documents, such as wills, deeds and estate plans, as well as financial statements and tax filings.
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    Morgan Stanley Online
    Your investments and everyday finances are always just a few clicks away with Morgan Stanley Online (MSO) and the Morgan Stanley mobile app! Access your finances and invest in an instant with the help of this handy resource that is available 24/7.
    Click to Learn More About Morgan Stanley Online
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    Total Wealth View
    Complete your financial profile with Total Wealth View. By linking your external account information, you will benefit from more educated and holistic wealth planning, and convenient connectivity.
    Click to Learn More About Total Wealth View
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    Morgan Stanley's Security Center
    Safeguarding your assets and information is one of our highest priorities, but you also have a critical role to play. Check out our collection of practical takeaways and best practices from our cybersecurity professionals, then explore a few of the ways we help protect you.
    Access Our Security Center
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    Tax Tables
    This helpful resource outlines the 2024 tax rate schedule, education and health savings account limits, retirement contribution and deduction limits, among other information.
    Click to View the 2024 Tax Tables
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    Integrating Philanthropy & Family Values in Your Wealth Plan Successfully
    Family Office Resources at Morgan Stanley can help you articulate and memorialize your family philosophy. Watch to see how we can help integrate philanthropy and family values into your wealth plan.
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    Importance of a Holistic Approach to Your Wealth
    Your wealth plan is greater than its parts, and Family Office Resources at Morgan Stanley understands the importance of a holistic approach to wealth. Watch to learn more how we can help integrate this philosophy into your wealth plan.
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Location

100 Front St
Ste 600
West Conshohocken, PA 19428
US
Direct:
(610) 260-7684(610) 260-7684

Meet The ThirtyFive/24 Group

About Robert V. Kyle III

Robert is an Executive Director for Morgan Stanley Wealth Management and is based in West Conshohocken, PA. He has over 28 years’ experience managing client’s portfolios within the Wealth Management field. Robert has spent his entire carrier working with Families and Institutions to construct & manage both Strategic & Tactical allocation models. Those allocations are designed to preserve client’s wealth. Prior to joining Morgan Stanley, Robert had spent the previous five years at Citi Private Bank. There, he was a Director & Investment Counselor, working with Ultra High Net Worth Families, Institutions, as well as partners within Law Firms. Prior to Citi Private Bank, Robert spent almost a decade at Wachovia Wealth Management and Wells Fargo Bank a Senior Investment Manager. During his time at Morgan Stanley, Robert attained the Master's Club in 2020, 2022, 2023, 2024, and 2025, as well as the Century Club in 2021.

Robert works with some of this country’s most affluent families and individuals, developing customized & innovative investment strategies using Equities, Fixed Income, Alternative Investments, Real Estate and Private Equity. Robert is committed to providing the highest quality wealth management advice, assisting Families to grow and preserve their assets and achieve proper generational planning for them.

Robert, in working with Ultra High Net Worth Families, has a primary focus on Investment Management, Trust Services, Family Wealth Planning as well as Lending & Banking strategies. Additionally, Robert works closely with, and helps support, Ultra High New Worth Family Offices.

Robert earned his B.S. from St. Joseph's University. While at St. Joseph's, Robert was a member of the Men's Rowing Team (1986-1990). Additionally, he was the men's rowing coach at Loyola College from 1990-1994. Robert was also a co-host of "You & Your Money" (WWLG am-Baltimore), and investment oriented radio show while living in Baltimore, MD in the mid 90's.

Robert, his wife Beth, and their three children reside in Blue Bell, PA. He volunteers his time to Simon's Heart, an organization that raises awareness for heart health for children and young adults, Mt. Saint Joseph's Academy, St. Joseph's Prep as well as with the Philadelphia Scholastic Rowing Association (PSRA).
Securities Agent: RI, IL, FL, VA, MD, MA, TX, OK, OH, NY, DC, AZ, CT, TN, OR, DE, HI, CA, WA, SC, PA, WI, NJ, WY, NC, MI, IN, UT; General Securities Representative; Investment Advisor Representative
NMLS#: 1416402

About Wendy Masse

Wendy Masse has been in the Financial Services Industry over 30 years. Wendy joined Nuveen Investments in 1992 where she earned the title of Vice President. For 15 years, Wendy worked with some of the most successful financial advisors in the Mid-Atlantic, helping to deliver sophisticated investment strategies to their high-net-worth clients.

In 2007, Wendy was recruited by Neuberger Berman where she earned the titles of Senior Vice President and Regional Director. Wendy was consistently a top performing salesperson at Neuberger Berman. In addition to helping advisors grow their practices to gain significant competitive advantage, she also became an expert on investment strategies ranging from Separate Accounts and Mutual Funds, to Alternative Investments.

In 2018, Wendy was recruited to Morgan Stanley as a Financial Advisor.

Before her career in finance, Wendy earned her BS in Broadcasting and Film at Boston University and her MBA in both Marketing and Finance from American University. Wendy is a graduate of the Agnes Irwin School, in Rosemont PA. She has also earned her Certified Investment Management Analyst (CIMA®) designation in association with The Wharton School at The University of Pennsylvania. The CIMA® designation is one of the highest levels of advanced investment education available to financial advisors. It is a technical portfolio construction program centered upon statistics and advanced investment/portfolio management. Wendy has also earned the Certified Divorce Financial Analyst (CDFA®) designation.

Wendy has been able to draw on her industry experience and education to serve her clients which include C-suite executives, highly successful entrepreneurs, physicians, and multigenerational families in making informed decisions by offering investment analysis, wealth management strategies, and comprehensive wealth planning services.

Wendy and her husband have been married over 25 years, and they have two college age sons. When not in the office she enjoys fitness, especially golf, racquet sports, and trap. She serves on the Executive Committee of The Women’s Board at The Children’s Hospital of Philadelphia (CHOP). Wendy is also a Parent Ambassador at The Haverford School.

Wendy holds the following licenses: General Securities Representative (Series 7), Combined Uniform State Exam (Series 63), Investment Advisory Agent (Series 65), and is Life, Health & Annuities Insurance Licensed.

Wendy has been named to Morgan Stanley's prestigious Pacesetter's Club from 2020 to 2025, an elite group of the firm's Financial Advisors.

As the premier designation in the industry, the CIMA® is an intense educational experience focusing on asset allocation, manager search and selection, investment policy and performance measurement.

Disclaimer: 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.

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.

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

Diversification and Asset Allocation does not guarantee a profit or protect against loss in a declining financial market.
Securities Agent: CA, WY, NY, DE, IN, DC, WA, FL, TX, RI, MA, UT, SC, PA, NH, MI, HI, CT, OR, NJ, WI, TN, VA, OH, NC, AL, MN, MD, AZ, OK; General Securities Representative; Investment Advisor Representative
NMLS#: 1780433

About Allison Slobodian

Allison is a Financial Advisor at Morgan Stanley based in West Conshohocken, PA. Allison has been in the wealth management industry for over 10 years. As a CERTIFIED FINANCIAL PLANNER™, she focuses on creating and monitoring financial plans for clients. Through the planning process, Allison addresses all aspects of clients’ financial lives including asset allocation, cash flow management, insurance planning, tax and estate strategies, philanthropic giving, and family financial education. Prior to this role, Allison was the Financial Planning Director for the Philadelphia Complex at Morgan Stanley.

Allison obtained her BA in Media and Communication Studies at Ursinus College. While at Ursinus, Allison competed on the gymnastics’ team and enjoyed cheering on the Bears as a member of the cheerleading team. Allison holds her Series 6, 7, 63 and 65 licenses as well as her life, accident, and health insurance licenses. Allison is a member of the Fox Chase Cancer Center’s Board of Associates and founded their Young Professional Chapter. She enjoys running, traveling, hiking, reading and trying new restaurants. Allison lives in Wayne, PA with her husband, daughter, and dog, a very active Border Collie named Wyatt.
Securities Agent: TX, MI, SC, NJ, NC, MA, DC, RI, UT, OK, FL, CA, AZ, VA, PA, AL, TN, OH, NY, IN, HI, WA, MD, DE, CT, WY, WI; General Securities Representative; Investment Advisor Representative
NMLS#: 2508496

About Carol Kwietnieski

Carol joined Morgan Stanley in January, 2009. Previously, she was a Client Associate at Merrill Lynch for 26 years and was a member of the Quarter Century Club. She was a mentor to her fellow Client Associates and trained new hires.

Carol earned her Associate’s Degree at Keystone School of Business in their Executive Secretarial program.

Carol lives in Cherry Hill, NJ with her husband Ed and her daughter Julie.

The Power of Partnerships

By partnering with experienced individuals across wealth disciplines, Morgan Stanley Financial Advisors can align specialized resources with your custom needs and deliver strategic guidance through the familiarity and trust of existing relationships

About Fabienne Sarnecki

Fabienne Sarnecki is a Private Banker serving Morgan Stanley Wealth Management offices in Pennsylvania.

Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.

Fabienne began her career in financial services in 2009, and joined Morgan Stanley in 2016 as a Regional Analyst. Prior to joining the firm, she was an Internal Wholesaler at Lincoln Financial Group as well as an Account Manager & Marketing Coordinator at Navidor Merchant Services.

Fabienne is a graduate of New York University where she received a Bachelor of Arts in Economics. She lives in Wayne, Pennsylvania with her family. Outside of the office, Fabienne enjoys running, hiking, exploring new types of cuisines and traveling with her family.
NMLS#: 1879930

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
4 Financially Smart Ways to Take Money Out of Retirement AccountsLink Opens in New Tab
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4 Financially Smart Ways to Take Money Out of Retirement Accounts

Discover how planning for required minimum distributions from retirement accounts can help you fund future needs and support loved ones.

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
2025 Global Economic Outlook: U.S. Policies May Temper Global GrowthLink Opens in New Tab
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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.

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
Taking Control of Your Finances After Death of a SpouseLink Opens in New Tab
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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.

Business Planning

Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
  • Succession Planning
  • Business Planning
  • Qualified Retirement Plans
Financial Planning for Life After Selling a BusinessLink Opens in New Tab
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Financial Planning for Life After Selling a Business

Selling your business can mean big changes for your life, both personally and financially. Know how to make the most of your windfall.

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
Donor Advised Funds: A Smart Way to Manage Your Giving Link Opens in New Tab
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Donor Advised Funds: A Smart Way to Manage Your Giving 

There’s more to charitable giving than you may realize. Here’s one method that may be a tax-efficient way to give and can help maximize your impact.

Mosaic

Explore ideas and inspiration with captivating, original lifestyle stories created exclusively for Morgan Stanley clients.
A Change of GreeneryLink Opens in New Tab
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A Change of Greenery

Houseplants add oxygen, flair, and warmth year-round, and the right one in the right space can do just as much for a room as any painting or side table.
Ready to start a conversation? Contact The ThirtyFive/24 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.

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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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3Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.

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4Morgan 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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5Morgan 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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6Alternative 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.

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7Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.

Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY

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8Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.

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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.

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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.

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CRC 6491812 (04/2024)