

The Zitzmann Group at Morgan Stanley

Our Mission Statement
WELCOME!
OUR STORY
The Zitzmann Group at Morgan Stanley is a team of dedicated professionals who are committed to providing exceptional service and personalized wealth management solutions to their clients. We understand that our clients have unique financial goals and objectives, and we work closely with them to develop customized investment strategies.
OUR CLIENTS
At the Zitzmann Group, our clients are at the heart of everything we do. We prioritize building strong relationships. Overtime, our clients become like family to us. Working with our clients is a great honor, and we are humbled by the trust they have in us.
We specialize in providing comprehensive wealth management solutions to a select group of individuals, that includes family stewards, endowments, and closely held business owners. Our investment philosophy is focused on aligning client portfolios with long-term goals and revolves around concepts such as asset allocation, tax-smart investing, and the three phases of wealth management: creation, preservation, and transfer.
- Wealth ManagementFootnote1
- Financial PlanningFootnote2
- Business PlanningFootnote3
- Business Succession PlanningFootnote4
- Corporate Investment SolutionsFootnote5
- Corporate Pension Plans
- SyndicateFootnote6
- Alternative InvestmentsFootnote7
- Estate Planning StrategiesFootnote8
- Planning for Education FundingFootnote9
- Cash Management and Lending ProductsFootnote10
- Philanthropic ManagementFootnote11
- Endowments and FoundationsFootnote12
- Trust AccountsFootnote13
OUR PROCESS, YOUR EXPERIENCE

The Discovery Meeting, an integral part of the wealth management process, is dedicated to gaining a comprehensive and profound understanding of you and your family. This meeting aims to delve into the aspects that hold utmost significance to you, allowing us to tailor our services accordingly. We are committed to learning about your unique needs, aspirations, and priorities, ensuring that our approach is personalized and aligned with your specific goals.
During this meeting, we will have the pleasure of introducing you to the comprehensive investment plan we have developed. This plan is specifically tailored to align with your unique financial goals and aspirations. We are eager to share the details and strategies that will empower you to make informed investment decisions. Our aim is to provide you with a clear roadmap for achieving financial success and maximizing your returns.
At this meeting, we will enthusiastically answer any questions you might have regarding the investment plan. We are excited to explore the possibility of working together and embark on a journey towards realizing your financial goals. This session will serve as an opportunity to evaluate our compatibility and devise a plan that will enable us to effectively collaborate and support your aspirations. We are confident that, together, we can make significant progress towards achieving your financial success.
Our 45-day meeting offers a valuable opportunity to assist you in comprehending and organizing any financial documentation you may have received. Additionally, it allows us to touch base and provide any necessary support or assistance. This meeting ensures that we are available to address any concerns or queries you may have, while also offering our services in a helpful and attentive manner.
During our Regular Progress Meetings, we will keep you informed about the progress we have made to enhance the likelihood of achieving your most important goals. These meetings provide an opportunity to discuss any changes in your life that may have occurred. Furthermore, during your first Regular Progress Meeting, we will present the Advanced Plan to further support your objectives.
- Keep — We aim to produce the best possible investment returns consistent with your level of risk tolerance and to minimize the tax impact on those returns.
- Transfer — We strive to find and facilitate the most tax-efficient way with legal/tax professionals to pass assets to succeeding generations, and to do so in a way that helps meet your wishes.
- Protect — Our job is aimed at preserving your wealth against potential creditors, litigants, children's spouses and potential ex-spouses, as well as protecting you against catastrophic loss.
- Give — Charitable Giving helps fulfill your charitable goals and can often support efforts in each of the other three areas.
Location
Meet The Zitzmann Group
About John Zitzmann
NMLS#: 1412069
About Daniel F. Lima
Prior to joining Morgan Stanley in 2016, Dan served as a Teach For America corps member and taught high school math in Providence, RI. Dan currently serves on the Teach For America - Rhode Island Regional Advisory Board.
Dan holds a B.A. in Economics and Psychology from Williams College and a Master of Education degree from Rhode Island College. Dan is an Eagle Scout, and he was the captain of the Williams College men’s soccer team. The proud son of two immigrants, Dan is a first-generation Portuguese & Brazilian-American. Outside of work, Dan enjoys being active, travelling with his family, skiing, and cooking. Dan is fluent in Portuguese and Spanish.
NMLS#: 1571575
CA Insurance License #: 4261305
About Kristen Springer
Kristen is a graduate of the University of Massachusetts at Amherst with a degree in Psychology and a Minor in Economics. Kristen holds the FINRA Series 7 and Series 66 licenses. Outside of work, Kristen enjoys spending time with her husband and children and connecting with friends. She can often be found on the sideline of a youth sports game, volunteering with a local service dog organization or going to concerts.
This role cannot solicit or provide investment advice.
About Sarah Lavigne, FPS®*
Sarah currently resides in Coventry, RI with her cat, Stevie and dog, Arthur. She has always been an avid animal lover and, while growing up, was a year-round competitive soccer player. Outside of the office, she currently spends her winter months snow skiing up north with family and friends, while waterskiing, fishing, and boating in the summer.
Sarah is a passionate exercise enthusiast, attends Pilates classes, Pickle-Ball matches, and daily outdoor walks. In addition, she prioritizes nutrition, spending time cooking new recipes for those she cares about. Other interests include, but aren’t limited to, art, design, travel, fashion, and woodworking. Finally, Sarah has volunteered for organizations such as the American Heart Association, the ASPCA, and Best Buddies International.
*This role cannot solicit or provide investment advice.
About Aaron Osei
Aaron is a graduate of the University of Rhode Island where he earned his Bachelor of Arts degree in Communication Studies. Aaron holds the FINRA Series 6, Series 63 and Series 65 licenses, and he also holds life and health insurance licenses. Aaron is a Providence area native, and he is proud to still call the region home. Outside of work, Aaron enjoys being active and going out for early morning runs. He enjoys spending quality time with his nieces and nephew as well.

Contact John Zitzmann

Contact Daniel F. Lima
The Power of Partnerships
About Giancarlo Pannone
Giancarlo began his career in financial services in 2015 and joined Morgan Stanley in 2022. Prior to his current position, he gained extensive experience in the industry as a Financial Advisor for Merrill Lynch and Raymond James.
Giancarlo graduated from Rhode Island College and holds his Certified Financial Planner® designation. Giancarlo lives in Wakefield, RI with his wife Katie. Outside of work, Giancarlo enjoys surfing, hiking, snowboarding, and the occasional DIY home project.
About Evan J. Patterson
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.
Evan began his career in financial services in 1999. Prior to relocating to the Northeast, he served as a Private Banker in the Tampa Bay area. Before joining Morgan Stanley in 2010, Evan spent 10 years in high net worth lending at Merrill Lynch supporting teams in New York City, Los Angeles, and Jacksonville. He began his career as a Securities Based Lending Officer before rising within the firm, holding several other positions including Priority Loan Officer, Associate Mortgage and Credit Specialist, Consumer Finance Specialist and Banking and Liquidity specialist.
Evan is a graduate of the University of Florida, where he received a Bachelor of Science in Business Administration with concentration in Finance. He lives in East Greenwich, Rhode Island with his family. Outside of the office, Evan enjoys painting, watching cinema, reading books, and listening to vinyl records.
About Angelo Loumbas
Originally from Chicago, Angelo practiced law for 15 years and represented ultra-high net worth clients and the businesses they owned, as well as major philanthropic organizations. Angelo is admitted to the Society of Trust and Estate Practitioners. He has spoken on topics such as “Conditions Suggesting a Management Buyout” before the Chicago Bar Association Corporation and Business Law Committee, “Tax Consequences of Intra-Family Loans,” before the Chicago Bar Association Trust Law Committee, and “Conversations about Wealth and Philanthropy with Prospective Donors” before the Chicago Council on Planned Giving.
Prior to rejoining Morgan Stanley in his current position in 2018, Angelo advised wealthy clients in the financial services industry for 10 years, first as a Wealth Strategist with US Trust in Chicago, then a Wealth and Estate Planning Specialist within Family Office Resources in Chicago, and finally as a Senior Wealth Planning Strategist for the Wells Fargo Private Bank in Greenwich, Connecticut. Angelo earned his B.A. from DePauw University, his M.B.A. from the University of Notre Dame, and his law degree from Indiana University at Bloomington. He is Series 7, 66 and 24 licensed. Angelo served as President of the Rotary Club of Chicago (“ROTARY/One”), the world’s first Rotary club, in 2009-2010, and now lives in Armonk, New York with his wife, a native New Yorker, and their two children.
Portfolio Insights
Business Planning
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Family
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
Investing
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
Philanthropy
- Endowments
- Foundations
- Donor Advised Funds
- Impact Investing
Retirement
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
Financial Wellness
- Reduce employee stress,
- Improve retention and engagement, and
- Set themselves apart by offering comprehensive financial wellness benefits.
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.
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.
3Morgan 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.
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.
6Participating in a new issue/syndicate is subject to availability. IPOs are highly speculative and may not be appropriate for all investors because they lack a stock-trading history and usually involve smaller and newer companies that tend to have limited operating histories, less-experienced management teams, and fewer products or customers. Also, the offering price of an IPO reflects a negotiated estimate as to the value of the company, which may bear little relationship to the trading price of the securities, and it is not uncommon for the closing price of the shares shortly after the IPO to be well above or below the offering price.
7Alternative 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.
8Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
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 always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
10Morgan 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
11Products and services are provided by third party service providers, not Morgan Stanley Smith Barney LLC (“Morgan Stanley”). Morgan Stanley may not receive a referral fee or have any input concerning such products or services. There may be additional service providers for comparative purposes. Please perform a thorough due diligence and make your own independent decision.
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.
12Morgan 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.
13Morgan 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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