Welcome

The Wilshinsky Group at Morgan Stanley is a team of financial professionals who focus on institutional retirement consulting and comprehensive wealth management for corporate executives, officers and business owners. Combined, we have over 70 years of experience in helping institutions, individuals and families meet their goals. Our professional mission is to help guide our clients by creating bespoke comprehensive wealth management strategies that enable growth and preserve their wealth for future generations.

Our team is comprised of dedicated financial advisors and assistants who utilize their financial education and experience to address the unique financial and retirement goals of our clientele. Our process is centered on understanding the development and analysis of financial strategies that allow us to implement appropriate wealth management practices that align with our clients financial needs. From corporate retirement plans to family financial plans, The Wilshinsky Group is dedicated to ensuring our financial advisors provide transparency and trust to our clients.
Services Include
  • 401(k) Rollovers
  • Corporate Retirement Plans1
  • Professional Portfolio Management2
  • Qualified Retirement Plans3
  • Retirement Planning4
  • Wealth Management5
  • Asset Management6
  • Financial Planning7
Check the background of Our Firm and Investment Professional on FINRA's BrokerCheck.*
  • Andrew R. Wilshinsky, CRPS®
    1999 - Present: Morgan Stanley*
    New York, NY/Honesdale, PA
    BS cum laude, 1991
    Babson College
    Wellesley, MA
    Series 65 - Investment Advisory Agent
    Retirement Plan Consultant
    Plan Advisers Magazine Top 100 Retirement Plan Advisers
    401(K) Wire magazine 300 Most Influential people in the DC business
    Financial Times Top 401 Retirement Plan Advisors
  • Joseph Notarfrancesco
    2011 - Present: Morgan Stanley*
    BS in Business Management- SUNY Farmingdale
    Series 7
    Series 66
    NYS Life and Health
  • Andrew Bernstein
    2004- Present Morgan Stanley*
    BA Economics- University of Hartford
    Series 7
    Series 66
    Series 31
    NYS Life and Health
    Andrew Bernstein holds the following registrations: Securities Agent: AR, AZ, CA, CO, CT, DC, DE, FL, GA, IA, ID, IL, KS, LA, MA, MD, ME, MI, MN, MO, MT, NC, NE, NH, NJ, NM, NV, NY, OH, OK, PA, RI, SC, TN, TX, VA, VT, WA, WV, WY

Location

1 Penn Plaza 43rd
Fl
New York, NY 10119
US
Direct:
(212) 643-5719(212) 643-5719
Toll Free:
(800) 223-4656(800) 223-4656

Meet The Wilshinsky Group

Photo of Andrew Bernstein

Andrew Bernstein

Assistant Vice President, Portfolio Management Associate Director

Photo of Debbie Ciarrocchi

Debbie Ciarrocchi

Registered Marketing Associate

Photo of Joel Lejarde

Joel Lejarde

Registered Associate

Photo of Laura Kuhn

Laura Kuhn

Senior Registered Associate

About Me

Andrew has been a senior partner with The Wilshinsky Group since his arrival at the firm in 1999. As less than 2% of Morgan Stanley highly vetted advisors with the Corporate Retirement Director title, Andrew is responsible for the design, strategy, and implementation of all the group’s corporate retirement plans both qualified and non-qualified. Prior to joining the firm, Andrew was a partner at KAP planning, a boutique financial planning group within AXA.

He has appeared on Bloomberg Financial News network and spoken before many organizations, including the New York Society of CPAs. He has been named one of the 300 most influential people in the DC business by 401(k) Wire Magazine, Plan Adviser magazine as one of the Top 100 Retirement Plan Advisers in both 2010 , 2012, 2017 and also to the inaugural 2015 & 2017 Financial Times Top 401 Retirement Plan Advisors list.

Andrew is one of the select few constituents on Morgan Stanley’s corporate retirement director advisory board. Andrew is an alumnus of Babson College where he graduated with honors. He is also Series 65 licensed. Lastly, Andrew sits on the board of the nonprofit organization JNF and works with a variety of other environmental charities. Also, Andrew is frequently asked to speak on Fiduciary Best Practices by some of the largest accounting firms such as Deloitte & BDO.
Securities Agent: AZ, CA, CO, CT, DC, DE, FL, GA, IL, MA, MD, ME, NC, NJ, NY, OK, OR, PA, RI, SC, TX, VA, VT; Investment Advisor Representative; General Securities Representative
NMLS#: 1265085

About Me

Joseph has been with Morgan Stanley since 2011 and works in The Wilshinsky Group’s New York office. He leads the group’s financial planning efforts and is also responsible for overall relationship management for our current clients. In addition, Joe is instrumental in working with the participants of our corporate retirement plan clients to help guide them to a more secure retirement. Joseph is a graduate of SUNY Farmingdale with a degree in business management and a minor in psychology.  He is NYS Life & Health and Series 7 & 66 licensed.
Securities Agent: AZ, CA, CO, CT, DC, DE, FL, GA, IL, IN, MA, MD, ME, NC, NJ, NY, OK, OR, PA, RI, SC, TX, UT, VA, VT; Investment Advisor Representative; General Securities Representative
NMLS#: 1312562

About Me

Andrew has been with The Wilshinsky Group at Morgan Stanley Wealth Management since 2004 and works in the group’s New York office. He is primarily responsible for portfolio research and equity trading and leads the investment selection/ monitoring process for the group’s institutional clients. Prior to joining Morgan Stanley Wealth Management, Andrew was a Financial Consultant specializing in insurance and investment management for AXA Financial. He is a graduate of The University of Hartford, Barney School of Business with a degree in Economics and Finance.  He is NYS Life & Health and Series 7, 31 & 66 licensed.

About Me

Having been with The Wilshinsky Group at Morgan Stanley since 1987, Debbie brings more than 27 years of experience in the financial services industry. She leads the group’s marketing efforts and is deeply entrenched in the administrative duties of the group’s Portfolio Management models. Debbie is  FINRA Series 7 and 63 licensed.

About Me

Joel has been the Wilshinsky Group administrator since joining the team in 2007. Having been with Morgan Stanley and its predecessor firms since 2003, he brings more than 11 years of experience in the financial services industry. Prior to Morgan Stanley, Joel had a successful career in pharmaceutical sales with Johnson & Johnson as well as Bristol Myers Squibb. As a native Californian, Joel is graduate of UCLA where he received his BA in History. Joel currently holds NASD Series 7 and 63 licenses.

About Me

After receiving her BBA in Financial Planning from Marywood University in 2008, Laura joined The Wilshinsky Group at Morgan Stanley Wealth Management. She is actively involved in all aspect’s of the group including administrative, marketing and portfolio management functions. Laura is primarily responsible for the  trading execution of the groups positions within the Portfolio Management program. She lives in Honesdale, PA and currently holds FINRA 7,66,9 and 10 licenses.
From Our Team

Mike Wilson: Monthly Investment Perspectives


Investment and Market Perspectives

On the Markets

Retirement

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

The Simple Six-Step Retirement Checkup

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

Investing

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

Five Smart Strategies to Use a Bonus or Raise

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

Family

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

Financial Transition: A Guide for Women

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

Business Planning

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

6 Keys to Building a Startup

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

Philanthropy

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

A New Roadmap for Mission Alignment

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

More from Morgan Stanley

Morgan Stanley and Justin Rose: A Winning Team

Morgan Stanley and Justin Rose: A Winning Team

Morgan Stanley and our brand ambassador, PGA TOUR champion Justin Rose, share a set of core values and a common cause: giving books to children in need.
Learn more about Morgan Stanley and Justin Rose: A Winning Team
Your Financial World. On the Go.

Your Financial World. On the Go.

With the Morgan Stanley Mobile App, you’ll have the freedom to manage your investments and instantly access a suite of personal cash management tools.
Learn more about Your Financial World. On the Go.
Reserved | Living & Giving

Reserved | Living & Giving

Our complimentary program for eligible clients provides you and your family with access to exclusive offers and discounts from premium travel, automotive, health and wellness, and retail brands as well as curated insights from Morgan Stanley.
Learn more about Reserved | Living & Giving
Sign Up for eDelivery

Sign Up for eDelivery

With eDelivery, you’ll have easy access to statements, trade confirmations, general correspondence and much more.
Learn more about Sign Up for eDelivery
Access Morgan Stanley Online

Access Morgan Stanley Online

Morgan Stanley Online provides a comprehensive view of your assets and liabilities, projected income, breaking news, research and much more.
Learn more about Access Morgan Stanley Online
Ready to start a conversation? Contact The Wilshinsky Group today.
Market Information Delayed 20 Minutes
1Tax laws are complex and subject to change. Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice and are not “fiduciaries” (under ERISA, the Internal Revenue Code or otherwise) with respect to the services or activities described herein except as otherwise provided in writing by Morgan Stanley and/or as described at www.morganstanley.com/disclosures/dol . Individuals are encouraged to consult their tax and legal advisors (a) before establishing a retirement plan or account, and (b) regarding any potential tax, ERISA and related consequences of any investments made under such plan or account.

2Morgan Stanley’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be suitable for you. Please see the Morgan Stanley Smith Barney LLC program disclosure brochure (the “Morgan Stanley ADV”) for more information in the investment advisory programs available. The Morgan Stanley ADV is available at www.morganstanley.com/ADV.

3Tax laws are complex and subject to change. Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice and are not “fiduciaries” (under ERISA, the Internal Revenue Code or otherwise) with respect to the services or activities described herein except as otherwise provided in writing by Morgan Stanley and/or as described at www.morganstanley.com/disclosures/dol . Individuals are encouraged to consult their tax and legal advisors (a) before establishing a retirement plan or account, and (b) regarding any potential tax, ERISA and related consequences of any investments made under such plan or account.

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.

5Morgan 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.

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

7Morgan Stanley 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.

The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.

Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link: https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.

The securities/instruments, services, investments and investment strategies discussed in this material may not be suitable for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.

Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.

The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.

*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.


CRC 2019752 10/2018