Douglas Woolley
Managing Director, Wealth Management, Financial Advisor, Portfolio Management Director, Alternative Investments Director, Workplace Advisor - Equity Compensation
Phone:
(610) 398-6081(610) 398-6081
The WCL Group at Morgan Stanley
Direct:
(610) 398-6096(610) 398-6096
Toll-Free:
(866) 230-1246(866) 230-1246
Industry Award WinnerOur Mission Statement
Wealth strategies customized to sustain your lifestyle and legacy
Our Story and Services
At first glance, the WCL Group is an obvious name, it stands for us - Woolley, Cwienkala, Lisicky - experienced, credentialed, nationally-recognized wealth advisors.
WCL also stands for the qualities and services that make us an award-winning team:
--Wide ranging, well-balanced, world-class wealth strategies
--Clear, critical, collaborative and compassionate thinking
--Logical, long-lasting lifestyle and legacy solutions
We Understand the Complexity of Success
Our clients are smart, savvy, successful people who stay active and engaged at every stage of their lives. They count on us to go above and beyond to grow and preserve their wealth, to anticipate and manage their financial risks, and to present them with solutions that consider all the possible ramifications of their decisions.
Many of our clients are focused on their retirement needs, both current and future. Turning a lifetime of savings into a lifetime of sustainable income for people who are living longer, healthier, and more active lives means attending to a wide range of issues simultaneously. With every situation, we take several steps back to ensure our strategies are based on a broad and thorough understanding of our clients' circumstances.
We also keep a close eye on the complex links between the personal and business finances of our clients. Whether they wish to diversify a concentrated equity position, access liquidity, craft a strategic estate plan to maximize retirement benefits, grow a business, or realize its value through a succession strategy or sale, we examine all of the alternatives in light of both business and personal objectives, placing an emphasis on risk management protection.
We serve an exceptional group of people who have entrusted us with their personal finances. Let us show you how.
WCL also stands for the qualities and services that make us an award-winning team:
--Wide ranging, well-balanced, world-class wealth strategies
--Clear, critical, collaborative and compassionate thinking
--Logical, long-lasting lifestyle and legacy solutions
We Understand the Complexity of Success
Our clients are smart, savvy, successful people who stay active and engaged at every stage of their lives. They count on us to go above and beyond to grow and preserve their wealth, to anticipate and manage their financial risks, and to present them with solutions that consider all the possible ramifications of their decisions.
Many of our clients are focused on their retirement needs, both current and future. Turning a lifetime of savings into a lifetime of sustainable income for people who are living longer, healthier, and more active lives means attending to a wide range of issues simultaneously. With every situation, we take several steps back to ensure our strategies are based on a broad and thorough understanding of our clients' circumstances.
We also keep a close eye on the complex links between the personal and business finances of our clients. Whether they wish to diversify a concentrated equity position, access liquidity, craft a strategic estate plan to maximize retirement benefits, grow a business, or realize its value through a succession strategy or sale, we examine all of the alternatives in light of both business and personal objectives, placing an emphasis on risk management protection.
We serve an exceptional group of people who have entrusted us with their personal finances. Let us show you how.
Services Include
- Financial PlanningFootnote1
- Alternative InvestmentsFootnote2
- Retirement PlanningFootnote3
- Sustainable InvestingFootnote4
- LGBT+ Planning ServicesFootnote5
- Trust ServicesFootnote6
- Estate Planning StrategiesFootnote7
- Cash Management and Lending ProductsFootnote8
- Professional Portfolio ManagementFootnote9
- Business Succession PlanningFootnote10
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
We encourage you to watch our videos to learn more about our team!
Who We AreWinning awards from respected third parties matters. Members of our team are honored to have been recognized by Forbes as some of the top Wealth Advisors in Pennsylvania. We set a high bar for the strategies, solutions and service we provide to you and we are proud to have our efforts affirmed in this way.
Leadership matters. Successful leaders know how to identify needs, define a common goal, convey it clearly and ensure they have the right tools to get the job done. Morgan Stanley consistently recognized our leadership abilities with our clients, our peers and our industry.
Leadership matters. Successful leaders know how to identify needs, define a common goal, convey it clearly and ensure they have the right tools to get the job done. Morgan Stanley consistently recognized our leadership abilities with our clients, our peers and our industry.
Forbes Best-In-State Wealth Management Teams
The WCL Group has been named Best-In-State Wealth Management Teams by Forbes in 2023 and 2025.
Source: Forbes (Awarded Jan 2023, 2025). Data compiled by SHOOK Research LLC based on time period from 3/31/21 – 3/31/22 and 3/31/23-3/31/24. https://www.morganstanley.com/disclosures/awards-disclosure.html
Forbes WebsiteSource: Forbes (Awarded Jan 2023, 2025). Data compiled by SHOOK Research LLC based on time period from 3/31/21 – 3/31/22 and 3/31/23-3/31/24. https://www.morganstanley.com/disclosures/awards-disclosure.html
Forbes Best-in-State Wealth Advisors
Steve Cwienkala, CFP®, CRPC®, has been named Best-in-State Wealth Advisors by Forbes in 2019, 2020, 2021 2022, 2023, 2024, and 2025.
2019-2025 Forbes Best-In-State Wealth Advisors
Source: Forbes.com (Awarded 2019-2025).
Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
Forbes Website2019-2025 Forbes Best-In-State Wealth Advisors
Source: Forbes.com (Awarded 2019-2025).
Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
Forbes 2019 Best-in-State Next-Gen Wealth Advisor
Mary Lisicky, CFP®, was named Best-in-State Next-Gen Wealth Advisor by Forbes in 2019.
[Source: Forbes.com (Awarded June 2019)
Data compiled by SHOOK Research LLC based on time period from 3/31/18 - 3/31/19.]
Forbes Website[Source: Forbes.com (Awarded June 2019)
Data compiled by SHOOK Research LLC based on time period from 3/31/18 - 3/31/19.]
Forbes 2025 Top Women Wealth Advisors Best-In-State
Mary Lisicky, CFP®, was named a Top Women Wealth Advisor Best-In-State by Forbes in 2025.
[Source: Forbes (Awarded Feb 2025). Data compiled by SHOOK Research LLC based for the period 9/30/23–9/30/24.]
Forbes Website[Source: Forbes (Awarded Feb 2025). Data compiled by SHOOK Research LLC based for the period 9/30/23–9/30/24.]
Certified Financial Planner®
Mary Lisicky, CFP® , Steven Cwienkala, CFP®, CRPC®
CFPs create personalized strategies incorporating sophisticated financial planning, tax, trust and estate planning strategies, risk management contingencies, and long-term income and retirement solutions.
CFP®CFPs create personalized strategies incorporating sophisticated financial planning, tax, trust and estate planning strategies, risk management contingencies, and long-term income and retirement solutions.
Morgan Stanley's Financial Advisor Advisory Council
Doug Woolley
Since 2014, Doug has worked closely with senior management to discuss the most important issues affecting our industry. This appointment recognizes Doug for his business approach and client relationships.
Since 2014, Doug has worked closely with senior management to discuss the most important issues affecting our industry. This appointment recognizes Doug for his business approach and client relationships.
Morgan Stanley's President's Club
Doug Woolley
Doug is a member of Morgan Stanley's President's Club, an elite group composed of the firm's top Financial Advisors.
Doug is a member of Morgan Stanley's President's Club, an elite group composed of the firm's top Financial Advisors.
Morgan Stanley's Master's Club
Steven Cwienkala, CFP®, CRPC®
Steve is a member of Morgan Stanley's President's Club, an elite group composed of the firm's top producing Financial Advisors.
Steve is a member of Morgan Stanley's President's Club, an elite group composed of the firm's top producing Financial Advisors.
Bloom Where You're Planted
Although we serve clients all over the US, our team is rooted deeply in the Allentown, Pennsylvania community. We strongly believe in giving back and are proud volunteers of organizations and cultural activities that contribute to our community's vibrancy and vitality. Here are some of the places where we have individually contributed our time and resources, both past and present:
Greater Lehigh Valley Chamber of Commerce
- Chair, Board of Governors
- Executive Committee
- Chair and Board Member of LGBTQ Business Council
Via of the Lehigh Valley
- Chair, Via Foundation
- Member, Board of Directors
Georgetown University Alumni Admission Program - Member
Whitehall High School - Volunteer Coach, Varsity Girls' Basketball
Zephyr Pride Foundation - Board Member
The Literacy Center - Board Member
Moravian Academy - Endowment & investment Committees
Saucon Valley Country Club
- Board of Governors
- Chair, American Junior Golf Association Tournament
The Hillside School - Board member & Treasurer
Asbury Methodist Permanent Endowment Fund - Board of Trustees
Bethlehem YMCA - Board of Directors
South Parkland Youth Association - Youth basketball Coach
JDRF of Eastern PA - Board Member
Wildlands Conservancy - Board Member
Valley Youth House - Lehigh Valley Board of Governors
Hokendauqua Park & Playground Association - Youth Basketball Coach
Lehigh Valley Senior All-Star Basketball Classic - Committee Member
Girl Scouts of Eastern PA (Take the Lead Event Committee) - Co-Chair
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Podcast: What Should I Do With My Money?
Join us as our guests share their stories around life's major moments. And hear the difference a conversation can make. Hosted by Morgan Stanley Wealth Management’s Jamie Roô. Matching real people, asking real questions about their money, with experienced Financial Advisors.
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A Guide to Reading Your Morgan Stanley Statement(s)
Your account statement is a valuable resource that provides useful information as you work alongside us in pursuit of your financial goals. We encourage you to use this guide, which gives best practices and strategies in terms of reviewing your Morgan Stanley statement.
Read the Guide HereLocation
515 West Hamilton St
7th Fl
Allentown, PA 18101
US
Direct:
(610) 398-6096(610) 398-6096
Toll-Free:
(866) 230-1246(866) 230-1246
Meet The WCL Group
Steven Cwienkala, CFP®, CRPC®
Senior Vice President, Financial Advisor, Senior Investment Management Consultant
Phone:
(610) 398-6066(610) 398-6066
Senior Vice President, Wealth Management, Financial Advisor, Alternative Investments Director
Phone:
(610) 398-6525(610) 398-6525
Sarah Cressley
Financial Planning Specialist, Portfolio Associate
Phone:
(610) 398-6079(610) 398-6079
David Toribio
Client Service Associate
Phone:
(610) 398-6096(610) 398-6096
About Douglas Woolley
With more than three decades of financial services experience, Doug helps our high net worth families, corporations and non-profit organizations implement customized wealth management strategies. He is firmly committed to building long-term relationships and strives to integrate his clients’ unique concerns, goals and values into carefully considered, custom financial solutions.
As a Portfolio Management Director and Alternative Investments Director, Doug applies a disciplined approach to portfolio management that strives to maximize predictability and optimize desired outcomes. As a Workplace Advisor for Equity Compensation, he helps executives align their equity compensation with their broader financial goals. With every client, he aims to preserve and grow their wealth, connecting them with the resources they need when they need them.
Doug earned a place in Morgan Stanley’s prestigious President’s Club in 2010, and has consistently maintained that status every year except one. The appointment recognizes Doug’s consistent creativity and excellence in providing a wide range of investment products and wealth management services to his clients. From 2014 to 2017, Doug was a member of the Morgan Stanley Financial Advisor Advisory Council, working closely with senior management to discuss the most important issues affecting our industry.
Prior to joining Morgan Stanley in January 2008, Doug served as a Senior Vice President at Merrill Lynch for nearly 15 years. He also worked as an analyst at Butcher and Singer. This long history of hands-on experience in investment banking and wealth management has provided him with strong experience and knowledge in navigating today’s complex markets.
Doug earned a BA in economics, with a minor in international relations, from Lehigh University. He holds Series 7,63,65, and 31 licenses, as well as Life and Health Insurance licenses. Doug and his wife Liz live in Bethlehem PA, where they’ve raised three sons.
As a Portfolio Management Director and Alternative Investments Director, Doug applies a disciplined approach to portfolio management that strives to maximize predictability and optimize desired outcomes. As a Workplace Advisor for Equity Compensation, he helps executives align their equity compensation with their broader financial goals. With every client, he aims to preserve and grow their wealth, connecting them with the resources they need when they need them.
Doug earned a place in Morgan Stanley’s prestigious President’s Club in 2010, and has consistently maintained that status every year except one. The appointment recognizes Doug’s consistent creativity and excellence in providing a wide range of investment products and wealth management services to his clients. From 2014 to 2017, Doug was a member of the Morgan Stanley Financial Advisor Advisory Council, working closely with senior management to discuss the most important issues affecting our industry.
Prior to joining Morgan Stanley in January 2008, Doug served as a Senior Vice President at Merrill Lynch for nearly 15 years. He also worked as an analyst at Butcher and Singer. This long history of hands-on experience in investment banking and wealth management has provided him with strong experience and knowledge in navigating today’s complex markets.
Doug earned a BA in economics, with a minor in international relations, from Lehigh University. He holds Series 7,63,65, and 31 licenses, as well as Life and Health Insurance licenses. Doug and his wife Liz live in Bethlehem PA, where they’ve raised three sons.
Securities Agent: CA, AR, NJ, WV, OR, MS, DC, CT, WA, RI, IL, AZ, OH, NY, MA, IA, VA, MO, TN, NH, TX, NC, ME, GA, PA, MI, MD, DE, AL, MN, IN, CO, VT, SC, FL; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1411239
NMLS#: 1411239
About Steven Cwienkala
With more than 25 years of experience in financial planning and portfolio management, Steve delivers well-rounded, holistic solutions to our valued clients. He combines an in-depth knowledge of traditional and alternative investments with a highly personalized approach to assist clients in developing customized strategies that address their specific needs.
Steve’s client-focused process and outstanding service has earned him national recognition by Forbes as one of the “Best-in-State Wealth Advisors for Pennsylvania” in 2019-2024. A CERTIFIED FINANCIAL PLANNER™ since 2016, Steve assists high net worth families and business owners in planning for their financial future, using a financial planning approach for developing risk adjusted strategies.
Steve enjoys helping families create a multi-generational approach to wealth management. Working together, they strive to navigate turbulent markets and handle life transitions, such as retirement or sale of a business, that may impact a client’s circumstances, financial needs and plans for the future.
Prior to joining Morgan Stanley, Steve was a Financial Advisor at Merrill Lynch, where he was recognized as Rookie Financial Advisor of the Year for Eastern Pennsylvania in 1997. Previously, he was a Major Accounts Executive at Xerox Corporation, where he developed sophisticated financing solutions for some of Lehigh Valley’s most prestigious firms.
Steve earned a BS degree in business administration from Shippensburg University. He holds his Series 7, 63 and 65 licenses, along with Life and Health Insurance licenses. In 2006, he earned the designation of Chartered Retirement Planning Counselor℠ (CRPC®).
Originally from Chicago IL, Steve and his wife Tammy currently reside in west end Allentown. They have two grown children.
2019, 2020, 2021, 2022, 2023, 2024 Forbes Best-In- State Wealth Advisors
Source: Forbes.com (Awarded 2019-2024). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
Steve’s client-focused process and outstanding service has earned him national recognition by Forbes as one of the “Best-in-State Wealth Advisors for Pennsylvania” in 2019-2024. A CERTIFIED FINANCIAL PLANNER™ since 2016, Steve assists high net worth families and business owners in planning for their financial future, using a financial planning approach for developing risk adjusted strategies.
Steve enjoys helping families create a multi-generational approach to wealth management. Working together, they strive to navigate turbulent markets and handle life transitions, such as retirement or sale of a business, that may impact a client’s circumstances, financial needs and plans for the future.
Prior to joining Morgan Stanley, Steve was a Financial Advisor at Merrill Lynch, where he was recognized as Rookie Financial Advisor of the Year for Eastern Pennsylvania in 1997. Previously, he was a Major Accounts Executive at Xerox Corporation, where he developed sophisticated financing solutions for some of Lehigh Valley’s most prestigious firms.
Steve earned a BS degree in business administration from Shippensburg University. He holds his Series 7, 63 and 65 licenses, along with Life and Health Insurance licenses. In 2006, he earned the designation of Chartered Retirement Planning Counselor℠ (CRPC®).
Originally from Chicago IL, Steve and his wife Tammy currently reside in west end Allentown. They have two grown children.
2019, 2020, 2021, 2022, 2023, 2024 Forbes Best-In- State Wealth Advisors
Source: Forbes.com (Awarded 2019-2024). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
Securities Agent: DE, GA, TN, VT, TX, SC, NC, MD, IL, CT, CO, AZ, IA, AR, NJ, MN, WA, RI, OH, MS, AL, WV, PA, OR, MI, NY, ME, FL, CA, VA, MO, MA, IN, DC, NH; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1377857
NMLS#: 1377857
About Mary Lisicky
Mary has been a Financial Advisor and Certified Financial Planner™ (CFP®) with Morgan Stanley since 2005. Her ultimate goal is to help clients make the most of their financial resources, empowering them to live their best lives. She primarily works with families, professionals, members of the LGBTQ community, and business owners—guiding them through every aspect of their financial picture to prepare for the next phase of life.
Building strong client relationships is at the heart of Mary’s approach. She begins by fostering open communication and confidence, gaining a deep understanding of her clients’ goals and financial concerns. From there, she develops a customized financial plan, identifying key areas of focus and strategic action. Because life is constantly evolving, Mary regularly reviews and adjusts financial plans to ensure her clients receive personalized, value-driven advice tailored to help meet their needs.
In recognition of her dedication and service, Mary was named to Forbes’ 2025 Best-in-State Women Wealth Advisors list. Earlier in her career, she was named a Forbes’ 2019 Best-in-State Next-Gen Advisors list. She earned her BS in Finance from Georgetown University’s McDonough School of Business, where she was also a four-year member and two-year captain of the women’s basketball team.
Beyond her work in finance, Mary is deeply committed to giving back to her community. She serves on various non-profit boards and has been recognized for her leadership by the Bradbury-Sullivan LGBT Community Center and as a Take the Lead honoree by the Girl Scouts of Eastern Pennsylvania.
Outside of work, Mary cherishes time with her wife, Amber, and their two daughters, Edith and Eleanor. A lifelong sports fan, she loves playing and watching basketball and enjoys spending time on the golf course.
Forbes Top Women Wealth Advisors Best-In-State (2025)
Source: Forbes.com (Awarded Feb 2025) Data compiled by SHOOK Research LLC for the period 9/30/23 - 9/30/24.
Forbes Top Next-Gen Wealth Advisors (2019)
Source: Forbes.com (Awarded June 2019) Data compiled by SHOOK Research LLC based on time period from 3/31/18 - 3/31/19.
https://www.morganstanley.com/disclosures/awards-disclosure.html
Building strong client relationships is at the heart of Mary’s approach. She begins by fostering open communication and confidence, gaining a deep understanding of her clients’ goals and financial concerns. From there, she develops a customized financial plan, identifying key areas of focus and strategic action. Because life is constantly evolving, Mary regularly reviews and adjusts financial plans to ensure her clients receive personalized, value-driven advice tailored to help meet their needs.
In recognition of her dedication and service, Mary was named to Forbes’ 2025 Best-in-State Women Wealth Advisors list. Earlier in her career, she was named a Forbes’ 2019 Best-in-State Next-Gen Advisors list. She earned her BS in Finance from Georgetown University’s McDonough School of Business, where she was also a four-year member and two-year captain of the women’s basketball team.
Beyond her work in finance, Mary is deeply committed to giving back to her community. She serves on various non-profit boards and has been recognized for her leadership by the Bradbury-Sullivan LGBT Community Center and as a Take the Lead honoree by the Girl Scouts of Eastern Pennsylvania.
Outside of work, Mary cherishes time with her wife, Amber, and their two daughters, Edith and Eleanor. A lifelong sports fan, she loves playing and watching basketball and enjoys spending time on the golf course.
Forbes Top Women Wealth Advisors Best-In-State (2025)
Source: Forbes.com (Awarded Feb 2025) Data compiled by SHOOK Research LLC for the period 9/30/23 - 9/30/24.
Forbes Top Next-Gen Wealth Advisors (2019)
Source: Forbes.com (Awarded June 2019) Data compiled by SHOOK Research LLC based on time period from 3/31/18 - 3/31/19.
https://www.morganstanley.com/disclosures/awards-disclosure.html
Securities Agent: TN, CT, WV, SC, RI, NJ, MS, MA, CA, WA, VT, IN, GA, MO, MN, MD, IL, IA, FL, NY, MI, CO, AZ, AR, PA, ME, DE, OH, NH, DC, AL, TX, NC, VA, OR; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1377877
NMLS#: 1377877
About Sarah Cressley
Sarah has been a vital member of the WCL Group since joining the team in 2012. She is responsible for a variety of portfolio management and investment tasks, as well as helping clients execute daily transactions, set up on-line access and answer operational questions.
A graduate of Cedar Crest College with a BS degree in business administration and a concentration in finance, Sarah joined Morgan Stanley in 2001. As a portfolio associate with FINRA Series 7, 31 and 66 securities licenses, she is able to execute unsolicited trades.
A graduate of Cedar Crest College with a BS degree in business administration and a concentration in finance, Sarah joined Morgan Stanley in 2001. As a portfolio associate with FINRA Series 7, 31 and 66 securities licenses, she is able to execute unsolicited trades.
About David Toribio
David grew up in Bay Shore, NY, and after graduating high school, he enlisted in the U.S. Army, where he dedicated over 21 years of service before retiring. During his time in the Army, David lived and traveled around the world, completing multiple tours in Iraq and Afghanistan. He is a proud graduate of Endicott College. Today, David and his wife, Desiree, reside in Salisbury Township with their three children: David Jr., Abigail, and Daniel. In his free time, he enjoys working with cars and woodworking.
Contact Douglas Woolley
Contact Steven Cwienkala
Contact Mary Lisicky
Hear From Our Clients
We have had the pleasure of working with Mary for nearly 10 years. There are many aspects of Mary's support that are fantastic, but 3 words come to mind:
Professionalism- Mary is thoughtful, measured, and always willing to do research to provide the complete picture.
Competence- Mary educates us on investing strategies and products, empowering us to make informed decisions.
Personalization- Mary understands our needs and goals, and continuously evolves advice and strategies to meet them.
Brian and Evelyn
Verified ClientAugust 11, 2025
A company with which I had significant equity underwent a substantial liquidity event. I knew I needed a professional who I could trust and with access to a leading-edge investment platform. Mary immediately impressed me with her knowledge, personality and goals-based approach to financial planning. She and her extended team have been collaborative, informative, prompt and just all-around professional. I'm very pleased with our relationship and excited for many more years of mutual success.
Kyle
Verified ClientSeptember 17, 2025
Testimonial(s) solicited by Morgan Stanley and provided by current client(s) at the time of publication. No compensation of any kind was provided in exchange for the client testimonial(s) presented. Client testimonials may not be representative of the experience of other clients and are not a guarantee of future performance or success.
3846129 9/24
Awards and Recognition
Forbes America's Top Wealth Management Teams
2023, 2025 Forbes America's Top Wealth Management Teams Source: Forbes.com (Awarded 2023, 2025). Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of year the award was issued.
Forbes America's Top Wealth Advisors
2019-2025 Forbes America's Top Wealth Advisors Source: Forbes.com (Awarded 2019-2025). Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of the year the award was issued.
2
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
Tony Gist
Private Banker
Andrew Ghimpeteanu
Planning Associate
About Tony Gist
Tony Gist is a Private Banker and Vice President 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.
Tony began his career in financial services in 2011 and joined Morgan Stanley in 2021. Prior to joining the firm, he held various roles within the Retail Bank industry including Licensed Banker and Branch Manager.
Tony is a graduate of Fairmont State University, where he received a Bachelor of Science with a concentration in Criminal Justice, while also playing football for the Fairmont State Fighting Falcons. He and his family currently reside in York, Pennsylvania.
Outside of the office, he spends time with family whenever possible. He enjoys playing golf, skiing, fishing, watching sports, especially football, and listening to talented musicians across various genres.
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.
Tony began his career in financial services in 2011 and joined Morgan Stanley in 2021. Prior to joining the firm, he held various roles within the Retail Bank industry including Licensed Banker and Branch Manager.
Tony is a graduate of Fairmont State University, where he received a Bachelor of Science with a concentration in Criminal Justice, while also playing football for the Fairmont State Fighting Falcons. He and his family currently reside in York, Pennsylvania.
Outside of the office, he spends time with family whenever possible. He enjoys playing golf, skiing, fishing, watching sports, especially football, and listening to talented musicians across various genres.
NMLS#: 786299
About Andrew Ghimpeteanu
Andrew Ghimpeteanu is a Planning Associate at Morgan Stanley providing dedicated financial planning support to Financial Advisors and their teams. Operating as an extension of the FA/Team, he collaborates with clients to discover and define goals that matter most to them. Leveraging state of the art technology, he will evaluate various options and their potential outcomes to help clients confidently choose the appropriate course of action. Andrew provides expertise across a wide suite of Morgan Stanley planning tools designed to assist in the areas of investment accumulation, retirement, education, major purchase, cash flow, risk management, tax efficiency, and wealth transfer planning.
He earned his undergraduate degree from Bentley University and received the Financial Planning Specialist® designation from the College for Financial Planning. Andrew is originally from Atlanta, GA and currently resides in Alpharetta, GA.
He earned his undergraduate degree from Bentley University and received the Financial Planning Specialist® designation from the College for Financial Planning. Andrew is originally from Atlanta, GA and currently resides in Alpharetta, GA.
Private Bankers, Ultra High Net Worth ("UHNW") Specialists, PBG Market Managers, Lending Advisors, Mortgage Consultants, Regional Mortgage Specialist, Cash Management Specialists, Associate Private Bankers are employees of Morgan Stanley Private Bank, National Association.
Banking products and services are offered by Morgan Stanley Private Bank, National Association, Member FDIC.
Morgan 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
Important information about your relationship with your Financial Advisor and Morgan Stanley Smith Barney LLC when using a Financial Planning tool. When your Financial Advisor prepares a Financial Plan, they will act in an investment advisory capacity for thirty (30) days after the delivery of your Financial Plan. To understand the differences between brokerage and advisory relationships, you should consult your Financial Advisor, or review our “Understanding Your Brokerage and Investment Advisory Relationships,” brochure available at https://www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
You have sole responsibility for making all investment decisions with respect to the implementation of a Financial Plan. You may implement the Financial Plan at Morgan Stanley or at another firm. If you engage or have engaged Morgan Stanley, it will act as your broker, unless you ask it, in writing, to act as your investment adviser on any particular account.
Morgan 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.
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, charitable giving, philanthropic planning and other legal matters.
When 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.
Banking products and services are offered by Morgan Stanley Private Bank, National Association, Member FDIC.
Morgan 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
Important information about your relationship with your Financial Advisor and Morgan Stanley Smith Barney LLC when using a Financial Planning tool. When your Financial Advisor prepares a Financial Plan, they will act in an investment advisory capacity for thirty (30) days after the delivery of your Financial Plan. To understand the differences between brokerage and advisory relationships, you should consult your Financial Advisor, or review our “Understanding Your Brokerage and Investment Advisory Relationships,” brochure available at https://www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
You have sole responsibility for making all investment decisions with respect to the implementation of a Financial Plan. You may implement the Financial Plan at Morgan Stanley or at another firm. If you engage or have engaged Morgan Stanley, it will act as your broker, unless you ask it, in writing, to act as your investment adviser on any particular account.
Morgan 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.
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, charitable giving, philanthropic planning and other legal matters.
When 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.
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Retirement
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CFP Board owns the marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the U.S., which it awards to individuals who successfully complete CFP Board's initial and ongoing certification requirements.
1Morgan 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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Alternative 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.
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.
4Investing in the market entails the risk of market volatility. The value of all types of investments may increase or decrease over varying time periods. The returns on a portfolio consisting primarily of sustainable or impact investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because sustainability and impact criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Diversification does not guarantee a profit or protect against loss in a declining financial market.
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.
6Morgan 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.
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 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
9Morgan 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.
10Morgan 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.
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.
CFP Board owns the marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque 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 | Morgan Stanley
1Morgan 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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Alternative 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.
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.
4Investing in the market entails the risk of market volatility. The value of all types of investments may increase or decrease over varying time periods. The returns on a portfolio consisting primarily of sustainable or impact investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because sustainability and impact criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Diversification does not guarantee a profit or protect against loss in a declining financial market.
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.
6Morgan 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.
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 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
9Morgan 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.
10Morgan 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.
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.
CFP Board owns the marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque 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.
Testimonial(s) solicited by Morgan Stanley and provided by current client(s) at the time of publication. No compensation of any kind was provided in exchange for the client testimonial(s) presented. Client testimonials may not be representative of the experience of other clients and are not a guarantee of future performance or success.
Awards Disclosures | Morgan Stanley
CRC 4665150 (8/2025)
