The Waypoint Group at Morgan Stanley

Scott M. Zoldan is a Senior Vice President, Alternative Investments Director, Financial Advisor and Producing Branch Manager with The Waypoint Group, with over three decades of Financial Services experience. He has been with Morgan Stanley since 1999.
Scott graduated from Youngstown State University with a degree in Finance. As a result of the years spent in the financial industry, Scott developed a diverse knowledge of the markets and economic conditions. He has helped provide highly customized advice, investment strategies and other financial services to high net worth individuals, families and institutions. Scott thrives on providing clients with solutions based on product recommendations while placing great emphasis on developing an asset allocation strategy based on sound principles of risk and reward. He is Series 3, 7, 8, 63, and 65 registered all states and insurance licensed in AZ, FL, NC, OH and PA.

Scott is a member of the Investment Management Consultants Association (IMCA) and the Association of Individual Investors (AII) and a board member of the Mahoning Valley Historical Society. He is an avid fan of Youngstown State University football and a member of the Penguin Club. He resides in Canfield, Ohio with his wife, Bethann and son, Noah.

As a Senior Vice President with the Waypoint Group, John Chahine works with individuals, families, small businesses, corporations, charities and foundations designing efficient planning solutions for their often-complex financial puzzles.
He focuses on building a personal connection with every client which allows him to more thoroughly understand their unique situation, risk tolerances and time horizons. With his diverse client base, in a typical day John might advise an individual about attaining their desired retirement lifestyle, a family about funding their children’s college education, a small business about succession planning, a corporation about constructing a retirement plan to attract and retain valuable employees, or a charity about using their assets to pursuit their mission. His greatest satisfaction as a Financial Advisor comes from seeing a client realize a goal—whether it’s a basic objective or a lifelong aspiration.
As a former corporate finance and public accounting professional who completed his CPA certification, John leverages his deep knowledge and understanding of advanced tax planning strategies to benefit his clients. As a Corporate Retirement Director at Morgan Stanley—a designation held by fewer than 2% of the Firm’s advisors—John is adept at assisting corporations and other organizations with developing their employee retirement plans. His QPFC credential is awarded to advisors with demonstrated training, knowledge and experience with retirement plans.
For his efforts, John has been recognized as a Forbes Best-in-State Wealth Advisor in 2019, 2020, 2021, 2024 and 2025. Additionally, the Waypoint Group has been honored by Forbes as a Best-in-State Wealth Management Team in 2024 and 2025.
John began his career in financial services in 2000 at Merrill Lynch, where he later served as a Senior Vice President. He came to Morgan Stanley in 2021 because of Firm’s world-class resources, as well as the opportunity to join several long-term professional acquaintances.
A proud, lifelong resident of Youngstown, John received a Bachelor of Science in Accounting with a minor in Economics and Mathematics from Youngstown State University. He enjoys staying connected to his alma mater by attending games and events, along with being a fundraiser and ambassador.
Outside his professional work, John is a committed husband and father. He looks forward to spending time with his wife, Elizabeth, their three children, and other family members or close friends. John also serves in a variety of roles for his local Catholic church.
Securities Agent: MI, IA, MO, CO, WA, OR, NC, UT, MN, CA, VT, OK, NM, NJ, ME, PA, IN, IL, SC, KY, AZ, WI, TX, NY, VA, OH, MS, MD, MA, GA, FL, RI, NV, LA; General Securities Representative; Investment Advisor Representative
NMLS#: 619687

David H. Bulkley is a Senior Vice President with the Waypoint Group and has been with Morgan Stanley since 2020. He began his career in the financial services industry in 1983, focusing on helping individuals and families live their best possible lives without financial sacrifice.

Within the Waypoint Group, David’s primary responsibility is to help clients navigate the complex and ever-changing financial environment, while providing personalized service to an extensive array of areas across financial solutions. He focuses on working with multi-gen families and has been working in this area for over 40 years. David prides himself on his dedication to navigating the financial markets and his long-term commitment to his clients. He is passionate about becoming a trusted advisor to his clients and continuously tailors financial needs to each of them.

David is a third-generation financial advisor who was mentored by his father in navigating the financial services industries and still upholds the same values today. This generational background ultimately translated to a career in wealth management with the Waypoint Group. David, through his past experiences, has developed a distinctive service which provides his clients with some of the highest level of personal service regarding their financial wellbeing.

Outside his professional work, David is a committed father, and grandfather. David has 3 children of his own, along with 4 grandchildren that he loves dearly. David is very supportive of his kids and grandkids and devotes his personal time to spending it with them. In his free time, David enjoys golfing and traveling. He has also served on several non-profit boards over his career. David received a Bachelor of Science from Mississippi State University and is a holder of the FINRA Series 3, 7, 8, 63, and 65 professional licenses along with multiple state licenses.

Jeffrey R. Barone is a Senior Vice President, Financial Advisor with the Waypoint Group with nearly two decades of financial services experience. He has been with Morgan Stanley since 2006.
Jeff received a Bachelor of Science degree in Business Administration from Youngstown State University. He maintains Series 7, 31 and 66 professional licenses, as well as multiple state insurance licenses.
Outside of his professional work, Jeff serves on the Board of Directors for the Boardman Civic Association. He previously served as treasurer for the association, as well as a member of the Boardman School Board.
Jeff has been married to his wonderful wife (Erin) for 35 years. They have a son (Nicholas), daughter (Lauren), son-in-law (Kelby), grandson (Jameson) and granddaughter (Maggie). In his free time, Jeff enjoys walking and hiking in beautiful Mill Creek Park with their dog (Marley).
Securities Agent: AZ, NY, KY, MA, NJ, WI, RI, PA, OR, MI, IA, VA, SC, TX, NC, MN, LA, IN, GA, FL, WA, NM, MD, IL, CA, VT, MO, CO, OH, NV, UT, OK, MS; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1393584

Lisa O’Bryant is a Financial Advisor and Financial Planning Specialist with the Waypoint Group. She started her career in the financial services industry in 2014 when she took a position at Merrill Lynch and has been with Morgan Stanley since 2021. Lisa graduated from the Ohio State University with a Bachelor of Science in Industrial and Systems Engineering. She has been a Chartered Retirement Planning Counselor designee since 2018 and received the Qualified Plan Financial Consultant designation in 2023. Lisa takes a comprehensive, goals-oriented approach in working both with individuals and families as well as with small business and corporate retirement benefit plans.

Lisa enjoys spending time outdoors, camping and hiking with her husband Rob, their three children, and two rescue dogs. She and Rob are avid ballroom dancers and football fans. Lisa also enjoys cooking, running, yoga, and travel.

Kristen Miller is a Registered Associate with over 15 years of experience in financial services who’s been an integral member of the Waypoint Group since 2014.
She began her career at Morgan Stanley in 2012 as a Wealth Advisory Associate working with Financial Advisors across the Firm to provide comprehensive financial planning services to their clients. In 2018, she earned the Certified Financial Planner™ designation. CFP^® professionals have met extensive training and experience requirements, and are required to always put their clients' interests first. With her vast financial planning knowledge, Kristen works closely with the Waypoint Group’s clientele to help them better understand the Firm’s resources and planning tools.

Before joining Morgan Stanley, Kristen spent two years working in the trading department for an independent broker/dealer where she earned her Series7 and 66 FINRA professional licenses. During her time in this role, she developed a passion for the financial services industry. For Kristen, being able to assist clients is the most rewarding experience.

Kristen graduated from the Miami University of Ohio with a B.S. in Accounting in 2001. A resident of Boardman, Ohio, she enjoys baking, attending concerts and spending time with her family.

*Disclaimer: This role cannot solicit or provide investment advice

With over 40 years of experience in financial services, Karen is adept at providing efficient and dedicated service by making every process as simple as possible for clients. In her role as a Wealth Management Associate, she delivers the highest level of personalized care to every client when dealing with matters such as answering statement/account questions, handling transactions and preparing portfolio reports.
Karen joined The Waypoint Group at Morgan Stanley in August 2020. She previously served as a Senior Registered Client Associate with Wells Fargo Advisors. She also was a Financial Advisor and Registered Sales Assistant during her time with PaineWebber Inc. Karen started her career in 1982 as a Wire Operator and Operations Manager with A.G. Edwards & Sons. She holds Series 7 and 63 securities registrations.
Karen lives in Boardman, Ohio and enjoys spending time with her family (especially her children, David Jr. and Mia), traveling, and being outdoors maintaining her flower gardens.

As a Senior Registered Client Service Associate, Diane Spagnola primarily focuses on delivering a superior client service experience to help deepen and expand relationships with clientele for The Waypoint Group at Morgan Stanley.
Among other matters, her role involves handling client transactions, servicing accounts and managing administrative needs with the level of attention and commitment clients have come to expect. Diane’s passion for her role stems from the enjoyment she feels when building relationships with clients and assisting them with their unique needs.
A seasoned professional with over 38 years of experience in financial services, her career began at Dollar Bank/National City Bank. She later worked for Mahoning Bank/Sky Bank within the Installment and Commercial Loan departments. Immediately prior to joining Morgan Stanley, Diane worked at Merrill Lynch for 21 years.
Diane lives in Poland, Ohio and enjoys spending time with her beagle, Harvey. She also loves travelling, concerts, being outdoors, volunteering and fundraising for non-profits.

As a Client Service Associate, Noah Zoldan strives to build strong relationships, resolve client concerns and ensure client satisfaction through timely, effective solutions and a friendly, approachable demeanor. With a solid foundation in science and a passion for providing excellent client support, he aims to bring his analytical problem-solving skills and a keen attention to detail to his role in the financial services industry.
Noah graduated from Youngstown State University with a Bachelor of Science in Biology and a minor in Chemistry in 2023. Shortly after his academic journey, he joined Morgan Stanley.
A native of Canfield, Noah played on his high school varsity tennis team (which finished third in the state in 2018) and golf team all four years. He still competes in various local golf tournaments and leagues. Noah also enjoys fishing and skiing, as well as skeet shooting at the Youngstown Country Club.