Morry A Zolet, CFP®
Managing Director, Wealth Management, Financial Advisor, Family Wealth Director, Senior Portfolio Management Director, Senior Investment Management Specialist
The Zolet Lenet and Fink Group at Morgan Stanley
Direct:
(410) 494-8356(410) 494-8356
Our Mission Statement
Our goal is to build long-term relationships with our clients based on trust, integrity and superior client service.
The Zolet Lenet and Fink Group Mission Statement
The Zolet Lenet and Fink Group holds accountability to our clients as our number one priority. That’s why we are most passionate about solving these two critical financial objectives:
1. How do we help our clients get to retirement and generate enough income to keep them ahead of inflation and the rising price of life?
2. How do we enhance our investment process to adjust for current and future economic conditions?
In addressing these important objectives every day, we are committed to serving the financial planning needs of our multigenerational clients, which include successful individuals, families and business professionals, both young and established.
We limit the number of clients in our practice so that we can provide concierge-level service and in an attempt to provide each of our clients has the best possible experience. Our goal is to build long-term partnerships with our clients based on trust, integrity and superior client service.
1. How do we help our clients get to retirement and generate enough income to keep them ahead of inflation and the rising price of life?
2. How do we enhance our investment process to adjust for current and future economic conditions?
In addressing these important objectives every day, we are committed to serving the financial planning needs of our multigenerational clients, which include successful individuals, families and business professionals, both young and established.
We limit the number of clients in our practice so that we can provide concierge-level service and in an attempt to provide each of our clients has the best possible experience. Our goal is to build long-term partnerships with our clients based on trust, integrity and superior client service.
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Working With You
Our Wealth Management and Investment Process is the framework for our consulting relationships.
1) The first step in our consulting process is for us to gain a perspective of our clients’ financial objectives, goals, needs, and attitudes toward risk. However, we fundamentally believe in the importance of ‘seeing the forest through the trees,’ whether making investment decisions or by transcending our clients’ basic financial profiles in order to know who they are as people.
2) Utilizing this comprehensive understanding of our clients, we craft an appropriate asset allocation strategy that implements and complements our command of the clients’ needs and goals. We are then able to seek out and recommend the investment strategies best suited for our clients.
We also help construct and institute an investment policy statement for our investment advisory clients to be used as a guide and compass through the evolution of our relationship. During the client review process, this allows us to help ensure that we stay on our chartered course and avoid the distractions that may get in the way of a comprehensive investment plan.
3) We closely monitor and continually reevaluate the management and performance of our clients’ investments. Additionally, we regularly rebalance our clients’ portfolios based upon their risk profiles and our market outlook.
1) The first step in our consulting process is for us to gain a perspective of our clients’ financial objectives, goals, needs, and attitudes toward risk. However, we fundamentally believe in the importance of ‘seeing the forest through the trees,’ whether making investment decisions or by transcending our clients’ basic financial profiles in order to know who they are as people.
2) Utilizing this comprehensive understanding of our clients, we craft an appropriate asset allocation strategy that implements and complements our command of the clients’ needs and goals. We are then able to seek out and recommend the investment strategies best suited for our clients.
We also help construct and institute an investment policy statement for our investment advisory clients to be used as a guide and compass through the evolution of our relationship. During the client review process, this allows us to help ensure that we stay on our chartered course and avoid the distractions that may get in the way of a comprehensive investment plan.
3) We closely monitor and continually reevaluate the management and performance of our clients’ investments. Additionally, we regularly rebalance our clients’ portfolios based upon their risk profiles and our market outlook.
Our Video Updates
Introducing The Zolet Lenet and Fink Group at Morgan Stanley
Please enjoy this introductory video where our partners describe the ways in which we work to help our clients achieve their goals.
Click here to view our video message
The Zolet Lenet and Fink Group talks Investing New Capital
Please view this short video which reviews strategies for deploying cash in volatile markets.
Click here to view our video message
The Zolet Lenet and Fink Group talks 529 Plans
Please view this short video which highlights some of the Education and Legacy Planning opportunities that 529 plans can offer.
Click here to view our video message
Goals Planning System
Goals Planning System (GPS) is Morgan Stanley’s own integrated planning tool. Built on the Firm’s intellectual capital and capabilities, GPS is an intuitive and efficient platform used to quickly assess whether a client is “On Track” to achieving their financial goals.
Click here to watch our video and learn more
Preparing for Your Meeting with an Estate Planning Attorney
Learn about questions/answers, definitions and ideas
for structuring your personal trust ahead of meeting with your estate planning attorney.
Click here to learn morefor structuring your personal trust ahead of meeting with your estate planning attorney.
Wealth Beyond Money Podcast featuring Morry Zolet
Morry was recently asked to be a guest on the “Elevation Nation” Podcast “Wealth Beyond Money with Morry Zolet.”
Please feel free to listen as Morry speaks to young professionals about how he started and progressed his career, and what continues to drive his success today.
Hopefully you can capture a few nuggets from this to help you, a friend, or family member that can benefit from this listening experience.
Click here to listen to the podcast on Apple PodcastsPlease feel free to listen as Morry speaks to young professionals about how he started and progressed his career, and what continues to drive his success today.
Hopefully you can capture a few nuggets from this to help you, a friend, or family member that can benefit from this listening experience.
Morgan Stanley Total Tax 365
Taxes act as a drag on your investment performance that can be heavier than any fee you pay. But they might also be the easiest to reduce, with the right strategies in place. Morgan Stanley Total Tax 365 offers a full spectrum of tax-efficient strategies to help manage the tax drag on your portfolio—so you can potentially keep more of what you earn and improve after-tax returns.
Click here to view the video
4 Tax-Smart Ways to Diversify Your Portfolio
Investment portfolios concentrated in a single stock can be risky. Learn to diversify without boosting your tax bill.
Diversification does not guarantee a profit or protect against loss in a declining financial market.
Click Here to Learn MoreDiversification does not guarantee a profit or protect against loss in a declining financial market.
Executor of a Will for a Parents: A Checklist
Handling the complex process of executor duties during an emotional time is a challenge even for the strongest person. This checklist may help you with that process.
Click Here to Learn More
What Kind of Retiree Do You Want to Be?
Everyone has a different idea of their dream retirement. Whatever you envision, it’s essential to plan ahead so that your nest egg will last.
Our Experience
Our team’s professional investment credentials demonstrate a deep level of knowledge and the ability to coordinate efforts among other professionals, such as our clients’ attorneys and CPAs. Here are some of the credentials that we have earned and draw upon:
THE ZOLET LENET AND FINK GROUP'S 20th ANNIVERSARY IN 2023
We are honored to let you know that The Zolet Lenet and Fink Group is celebrating our 20th anniversary this year. Over the past two decades, we have helped many individuals and families navigate the financial landscape, providing expert advice and building long-lasting relationships. We like to thank our wonderful clients for their continued trust and faith in our team, without them none of this would be possible.
Read Our 20th Anniversary Letter Here
CFP® (CERTIFIED FINANCIAL PLANNER™)
A CFP® designation indicates in-depth knowledge of the financial planning process, tax planning, employee benefits and retirement planning, estate planning, investment management and insurance. (Morry Zolet, Joel Fink)
CRPS® (Chartered Retirement Plans Specialist SM):
The CRPS® credential focuses on the design, installation, maintenance and administration of retirement plans for businesses. (Joel Fink)
FAMILY WEALTH DIRECTOR:
This Morgan Stanley designation indicates a mastery of estate planning from the family perspective, families and philanthropy and family enterprises, as well as demonstrated ability to have effective conversations that help families understand and transition wealth from one generation to another. (Morry Zolet)
INSURANCE PLANNING DIRECTOR:
Recipients of the IPD designation have demonstrated a commitment to, and understanding of, holistic goals-based wealth management planning through the incorporation of insurance solutions into their practice as a foundational component of risk management. (Joel Fink)
PORFOLIO MANAGEMENT DIRECTOR:
Only a select group of financial advisors at Morgan Stanley can offer portfolio management services directly to their clients. (Morry Zolet, Ryan Lenet, Joel Fink).
FINANCIAL PLANNING SPECIALIST:
This Morgan Stanley designation is bestowed upon advisors with the advanced training necessary to address the wide range of financial issues confronting high net worth individuals. (Morry Zolet, Ryan Lenet, Joel Fink)
Our Suite of Services
Retirement Planning
We enjoy assisting you as you approach retirement. We will make sure your financial choices reflect your goals and help you shift from wealth accumulation to income management and wealth transfer strategies.
A Simple 6 Step Retirement Checkup
Cash Management
We can help create a budget and cash flow plan that takes into account your income, expenses, and savings goals. We will also provide guidance on managing debt, building an emergency fund, and investing surplus cash to meet your financial objectives.
Estate Planning
Our team can help by creating a comprehensive plan that takes into account your assets, liabilities, and future financial goals. This includes strategies for maximizing the distribution of assts to beneficiaries, minimizing taxes and other expenses, and ensuring your wishes for your estate are carried out.
Risk Management
Life's risks can manifest themselves in many ways -from loss of life to loss of health - and have the potential to impair the efficiency of a thoughtfully developed plan. We proactively help address these concerns in a number of ways, ranging from insurance reviews to liquidity strategies.
Portfolio Management
We will work closely with you to understand your needs while actively maintaining the focus and discipline necessary to guide your portfolio in the most challenging market cycles.
Click here to view our team brochure!
Education Planning
Planning for higher education is one of the many goals we take pride in assisting our clients with. Seeing these goals turn into achievements inspires us to go above and beyond for our clients.
Location
2330 W Joppa Road
Ste 255
Lutherville, MD 21093
US
Direct:
(410) 494-8356(410) 494-8356
Meet The Zolet Lenet and Fink Group
Ryan M Lenet
Executive Director, Financial Advisor, Portfolio Management Director, Financial Planning Specialist
Senior Vice President, Wealth Management, Financial Advisor, Senior Portfolio Management Director, Financial Planning Specialist, Insurance Planning Director
Robert J. Friedman
Assistant Vice President - Wealth Management, Wealth Management Associate
Phone:
(410) 494-8368(410) 494-8368
Connor Effinger
Registered Client Service Associate
Phone:
(410) 583-4849(410) 583-4849
Jason Hicks, CRPC
Registered Senior Client Service Associate
Phone:
(410) 583-4845(410) 583-4845
About Morry A Zolet
A founding partner of The Zolet Lenet Fink Group at Morgan Stanley, Morry brings over three decades of experience to the complex investing and wealth structuring needs of his team’s trusted and valued clients. Morry came into the industry just before the 1987 crash and has witnessed the collapse of the dotcom bubble, weathered the global financial crisis and guided his clients through the evolutionary changes of the COVID epidemic. Living through these learning experiences has seasoned Morry and has sharpened his abilities to adapt to changes and apply strategies that continue to serve his clients and their families in this ever-changing world.
Morry began his career with Ferris, Baker Watts, Inc., rising to become a member of the firm’s Retail Advisory Board and a Senior Vice President. During this time, Morry also taught investment courses at the Johns Hopkins University Odyssey program. In addition, Morry was a Wall Street commentator on WBAL TV in Baltimore, as well as a panelist on PBS's "Wall Street Week." He joined Morgan Stanley in their Lutherville office in April 2000 and is now a Managing Director.
His exceptional work has earned him numerous accolades, including recognition by Baltimore Business Journal as one of Greater Baltimore’s “40 Under 40” most influential business leaders in 1997, Barron's as one of the Top 1,000 Financial Advisors in the Country in 2009, Forbes' Best-In-State Wealth Advisors ranking in 2020, 2021, 2022 and 2023, and Forbes Best in State Teams 2023 and 2024.
Morry graduated from the University of Maryland at College Park as a Dean’s List member with a BS degree in Finance. He earned the CERTIFIED FINANCIAL PLANNER® designation from the College of Financial Planning in Denver, CO and is a qualified Family Wealth Director.
Morry has always made it his mission to give back to his community. He currently serves on the Board of Governors for the Associated Jewish Charities, Past Chair of Investment Committee for the Associated. Morry is the Chair of the Governance Committee for the Port Discovery Children’s Museum and current Board Member and is a Trustee of the Hy Zolet Family Foundation where they provide Baltimore City High School Student Athletes, scholarships to 4-year colleges.
Morry is a lifelong resident of Maryland and currently resides in Owings Mills with his wife Lisa and they have three daughters, Alyson, Lindsay, and Cara. In his free time, Morry loves spending quality time with his family, friends, and his dog Cooper. His hobbies include traveling, golfing, working out, pickleball and going to the Theater.
Direct Phone: 410-583-4844
Email: morry.a.zolet@morganstanley.com
Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded Jan 2024) Data compiled by SHOOK Research LLC based for the period from 3/31/22-3/31/23.
Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded Jan 2023) Data compiled by SHOOK Research LLC based on time period from 3/31/21-3/31/22.
2020-2022 Forbes Best-In- State Wealth Advisors
Source: Forbes.com (Awarded 2020-2022). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
Barron's Top 1,000 Financial Advisors: State-by-State
Source: Barron's.com (Awarded Feb 2009) Data compiled by Barron's based on time period from Sept 2007 - Sept 2008.
Morry began his career with Ferris, Baker Watts, Inc., rising to become a member of the firm’s Retail Advisory Board and a Senior Vice President. During this time, Morry also taught investment courses at the Johns Hopkins University Odyssey program. In addition, Morry was a Wall Street commentator on WBAL TV in Baltimore, as well as a panelist on PBS's "Wall Street Week." He joined Morgan Stanley in their Lutherville office in April 2000 and is now a Managing Director.
His exceptional work has earned him numerous accolades, including recognition by Baltimore Business Journal as one of Greater Baltimore’s “40 Under 40” most influential business leaders in 1997, Barron's as one of the Top 1,000 Financial Advisors in the Country in 2009, Forbes' Best-In-State Wealth Advisors ranking in 2020, 2021, 2022 and 2023, and Forbes Best in State Teams 2023 and 2024.
Morry graduated from the University of Maryland at College Park as a Dean’s List member with a BS degree in Finance. He earned the CERTIFIED FINANCIAL PLANNER® designation from the College of Financial Planning in Denver, CO and is a qualified Family Wealth Director.
Morry has always made it his mission to give back to his community. He currently serves on the Board of Governors for the Associated Jewish Charities, Past Chair of Investment Committee for the Associated. Morry is the Chair of the Governance Committee for the Port Discovery Children’s Museum and current Board Member and is a Trustee of the Hy Zolet Family Foundation where they provide Baltimore City High School Student Athletes, scholarships to 4-year colleges.
Morry is a lifelong resident of Maryland and currently resides in Owings Mills with his wife Lisa and they have three daughters, Alyson, Lindsay, and Cara. In his free time, Morry loves spending quality time with his family, friends, and his dog Cooper. His hobbies include traveling, golfing, working out, pickleball and going to the Theater.
Direct Phone: 410-583-4844
Email: morry.a.zolet@morganstanley.com
Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded Jan 2024) Data compiled by SHOOK Research LLC based for the period from 3/31/22-3/31/23.
Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded Jan 2023) Data compiled by SHOOK Research LLC based on time period from 3/31/21-3/31/22.
2020-2022 Forbes Best-In- State Wealth Advisors
Source: Forbes.com (Awarded 2020-2022). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
Barron's Top 1,000 Financial Advisors: State-by-State
Source: Barron's.com (Awarded Feb 2009) Data compiled by Barron's based on time period from Sept 2007 - Sept 2008.
Securities Agent: WV, VT, TN, OH, MD, IN, NV, CT, WY, UT, OR, MI, LA, CO, NM, VA, NJ, WA, ME, DE, CA, OK, MA, DC, AZ, AL, NY, NH, MT, FL, PR, NC, IL, GA, WI, SC, MO, TX, PA, KY, AK; General Securities Representative; Investment Advisor Representative
NMLS#: 1265239
CA Insurance License #: 4210901
NMLS#: 1265239
CA Insurance License #: 4210901
About Ryan M Lenet
Ryan is a Executive Director and Portfolio Management Director with Morgan Stanley. His career began with American Express Financial Advisors in 1995, and in 1999 he joined Morgan Stanley. Ryan is a founding partner of The Zolet Lenet and Fink Group. As a financial advisor, he focuses on comprehensive financial planning and wealth management for his clients.
Ryan graduated with a Bachelor of Science degree from The University of Maryland at College Park and later earned the Financial Planning Specialist Designation from Morgan Stanley.
Ryan is passionate about helping his clients navigate the challenging course of the capital markets as they work towards their own personal and family goals. He compares his work to that of a captain of a commercial Airline. Taking his clients to their respective destinations such as retirement, in the smoothest possible way, while at the same time providing guidance as turbulence is encountered.
Ryan also enjoys giving back to the community. He currently is on the Board of Trustees at The Baltimore School for the Arts and is on the BSA Finance Committee. In addition, is on the Retirement 401K Committee for The Associated Jewish Charities and is Chair of the Finance Committee at Baltimore Hebrew Congregation. While in college, he worked as an intern in the financial services field and knows the power of college internships for young kids. He has spent his career mentoring college kids and providing internships.
When not in the office, Ryan prefers to spend most of his time with his family. Mountain Biking out west is amongst his favorite activity. In addition, he has a strong love of the arts. Taking his family to New York to see as many Broadway shows as possible and getting to Live Music Concerts is amongst his favorite activities.
Direct Phone: 410-494-8092
Email: ryan.m.lenet@morganstanley.com
Ryan graduated with a Bachelor of Science degree from The University of Maryland at College Park and later earned the Financial Planning Specialist Designation from Morgan Stanley.
Ryan is passionate about helping his clients navigate the challenging course of the capital markets as they work towards their own personal and family goals. He compares his work to that of a captain of a commercial Airline. Taking his clients to their respective destinations such as retirement, in the smoothest possible way, while at the same time providing guidance as turbulence is encountered.
Ryan also enjoys giving back to the community. He currently is on the Board of Trustees at The Baltimore School for the Arts and is on the BSA Finance Committee. In addition, is on the Retirement 401K Committee for The Associated Jewish Charities and is Chair of the Finance Committee at Baltimore Hebrew Congregation. While in college, he worked as an intern in the financial services field and knows the power of college internships for young kids. He has spent his career mentoring college kids and providing internships.
When not in the office, Ryan prefers to spend most of his time with his family. Mountain Biking out west is amongst his favorite activity. In addition, he has a strong love of the arts. Taking his family to New York to see as many Broadway shows as possible and getting to Live Music Concerts is amongst his favorite activities.
Direct Phone: 410-494-8092
Email: ryan.m.lenet@morganstanley.com
Securities Agent: AL, CO, SC, NJ, UT, PR, MT, IL, PA, KY, DE, AZ, NM, WI, TX, AK, WY, MI, LA, WV, WA, OH, IN, VT, OR, NC, MD, CA, NY, NV, MO, MA, DC, OK, NH, GA, FL, VA, TN, ME, CT; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1288038
CA Insurance License #: 4210902
NMLS#: 1288038
CA Insurance License #: 4210902
About Joel T Fink
As a Senior Vice President, Joel T. Fink brings 20+ years of experience as a Financial Advisor to the Zolet Lenet and Fink Group. He joined Morgan Stanley in 2005 after graduating Phi Beta Kappa and Magna Cum Laude from Franklin & Marshall College as a major in Business Finance and Economics.
In 2022, Joel was recognized by Forbes as one of the Top Next-Gen Advisors in Maryland and his group was named as a Forbes Best in State Wealth Management Team in 2023-2025, honors which speaks to Joel’s unwavering commitment to his clients’ best interests.
Joel holds several prestigious credentials including CERTIFIED FINANCIAL PLANNER™ from the College of Financial Planning, Chartered Retirement Plans Specialist℠, Qualified Plan Financial Consultant (QPFC), and Insurance Planning Director. He uses these designations to provide holistic financial planning advice for his clients and their families. They also help him advise businesses on creating, implementing and maintaining retirement plans, and in developing and servicing the corporate and institutional client relationships for The Zolet Lenet and Fink Group.
Giving back to his community is a top priority for Joel. From 2023-2025, he served as the President of the Board for Jewish Community Services, a prominent social service agency that provides wrap-around care and support for the most vulnerable in Baltimore. Additionally, Joel has chaired the Associated’s Planned Giving Round Table, a group that brings together professionals from a variety of disciplines to network, enhance their technical skills and hear from nationally recognized planned giving and financial experts. Joel has also been involved with Franklin & Marshall’s local alumni chapter for many years. Joel has received various leadership awards throughout his years of volunteer service including the JCS Board Leadership Award, the NJHSA’s Lay Leadership Award of Excellence, the Associated’s Julius Rosenberg Memorial Award and Zelda Miller Memorial Award, and the 2024 Giving Back Award from Morgan Stanley.
Born and raised in Baltimore County, Joel resides in the Anneslie neighborhood of Towson with his wife and two young children. Joel spends his spare time primarily with his family and friends, and enjoys supporting the Ravens, Orioles, Terps, and Wolverines, as well as listening to an eclectic array of music. In his past life, Joel was a rock and jazz drummer.
Direct Phone: 410-494-8356
Email: joel.t.fink@morganstanley.com
Disclosures:
Forbes Best-In-State Wealth Management Teams (2023-2025)
Source: Forbes.com (Awarded 2023-2025) Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of year prior to the issuance of the award.
Forbes America’s Top Next-Gen Wealth Advisors & Top Next-Gen Wealth Advisors Best-in-State (2022)
Source: Forbes.com (Awarded Aug 2022) Data compiled by SHOOK Research LLC based on time period from 3/31/21 - 3/31/22.
https://www.morganstanley.com/disclosures/awards-disclosure.html
In 2022, Joel was recognized by Forbes as one of the Top Next-Gen Advisors in Maryland and his group was named as a Forbes Best in State Wealth Management Team in 2023-2025, honors which speaks to Joel’s unwavering commitment to his clients’ best interests.
Joel holds several prestigious credentials including CERTIFIED FINANCIAL PLANNER™ from the College of Financial Planning, Chartered Retirement Plans Specialist℠, Qualified Plan Financial Consultant (QPFC), and Insurance Planning Director. He uses these designations to provide holistic financial planning advice for his clients and their families. They also help him advise businesses on creating, implementing and maintaining retirement plans, and in developing and servicing the corporate and institutional client relationships for The Zolet Lenet and Fink Group.
Giving back to his community is a top priority for Joel. From 2023-2025, he served as the President of the Board for Jewish Community Services, a prominent social service agency that provides wrap-around care and support for the most vulnerable in Baltimore. Additionally, Joel has chaired the Associated’s Planned Giving Round Table, a group that brings together professionals from a variety of disciplines to network, enhance their technical skills and hear from nationally recognized planned giving and financial experts. Joel has also been involved with Franklin & Marshall’s local alumni chapter for many years. Joel has received various leadership awards throughout his years of volunteer service including the JCS Board Leadership Award, the NJHSA’s Lay Leadership Award of Excellence, the Associated’s Julius Rosenberg Memorial Award and Zelda Miller Memorial Award, and the 2024 Giving Back Award from Morgan Stanley.
Born and raised in Baltimore County, Joel resides in the Anneslie neighborhood of Towson with his wife and two young children. Joel spends his spare time primarily with his family and friends, and enjoys supporting the Ravens, Orioles, Terps, and Wolverines, as well as listening to an eclectic array of music. In his past life, Joel was a rock and jazz drummer.
Direct Phone: 410-494-8356
Email: joel.t.fink@morganstanley.com
Disclosures:
Forbes Best-In-State Wealth Management Teams (2023-2025)
Source: Forbes.com (Awarded 2023-2025) Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of year prior to the issuance of the award.
Forbes America’s Top Next-Gen Wealth Advisors & Top Next-Gen Wealth Advisors Best-in-State (2022)
Source: Forbes.com (Awarded Aug 2022) Data compiled by SHOOK Research LLC based on time period from 3/31/21 - 3/31/22.
https://www.morganstanley.com/disclosures/awards-disclosure.html
Securities Agent: NH, MT, AK, VA, TN, SC, MD, WA, VT, PR, MA, IN, DC, AL, GA, OR, OH, ME, IL, NM, FL, AZ, WI, DE, TX, OK, MO, KY, CT, CA, WY, WV, PA, LA, CO, UT, NJ, NC, NY, MI, NV; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1268449
CA Insurance License #: 4210903
NMLS#: 1268449
CA Insurance License #: 4210903
About Robert J. Friedman
Robert J. Friedman is an Assistant Vice President and Wealth Management Associate with Morgan Stanley. He began his career in the Financial Services industry in 1990. He has held several positions in the industry including Retirement Client Services, Margin Operations, Client Account Services and Legal and Compliance.
Rob joined the Zolet Lenet and Fink Group at Morgan Stanley in 2012. As the Senior Support professional on the team, he focuses on providing exceptional client service and operational oversight. He also provides support for Portfolio Management and Consulting Group trading for our clients.
Rob graduated from State University of New York College at Brockport with a degree in Business Administration with a concentration in Finance.
Rob is an active member of the Maryland Board of Football Officials and has officiated High School Football since 2000. He lives in Owings Mills, MD with his wife Lisa and his children, Allison and Jordan.
Email: robert.j.friedman@morganstanley.com
Phone: 410-494-8368
Rob joined the Zolet Lenet and Fink Group at Morgan Stanley in 2012. As the Senior Support professional on the team, he focuses on providing exceptional client service and operational oversight. He also provides support for Portfolio Management and Consulting Group trading for our clients.
Rob graduated from State University of New York College at Brockport with a degree in Business Administration with a concentration in Finance.
Rob is an active member of the Maryland Board of Football Officials and has officiated High School Football since 2000. He lives in Owings Mills, MD with his wife Lisa and his children, Allison and Jordan.
Email: robert.j.friedman@morganstanley.com
Phone: 410-494-8368
About Connor Effinger
Connor is a graduate of High Point University and began his career at T. Rowe Price, most recently working there as a Brokerage Specialist with High Net Worth clients. He has a background in Exercise Science. Connor is here to help with any questions or service-related items you may have.
Email: connor.effinger@morganstanley.com
Phone: 410-583-4849
Email: connor.effinger@morganstanley.com
Phone: 410-583-4849
About Jason Hicks
Jason Hicks is a financial services professional with over 17 years of experience. Jason earned the Chartered Retirement Planning Counselor (CRPC®) designation and brings a wealth of knowledge from his previous experience with T. Rowe Price, Merrill Lynch and Wells Fargo.
Jason is an avid soccer fan and has coached youth club teams in the area. He lives in Parkville, MD with his wife Jennifer and his children, John and Josephine.
Email: jason.hicks@morganstanley.com
Phone: 410-583-4845
Jason is an avid soccer fan and has coached youth club teams in the area. He lives in Parkville, MD with his wife Jennifer and his children, John and Josephine.
Email: jason.hicks@morganstanley.com
Phone: 410-583-4845
Contact Morry A Zolet
Contact Ryan M Lenet
Contact Joel T Fink
Wealth Management
From Our Team
The Zolet Lenet and Fink Group at Morgan Stanley
Wealth Management
Global Investment Office
Portfolio Insights
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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
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
5 Mistakes to Avoid in Retirement
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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
Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
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Financial Planning for Life After Selling a Business
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Philanthropy
Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
- Foundations
- Donor Advised Funds
- Impact Investing
Donor Advised Funds: A Smart Way to Manage Your Giving
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Financial Wellness
Enhancing Financial Wellness enables your workforce to do their best work. Companies that invest in financial wellness have an opportunity to:
- Reduce employee stress,
- Improve retention and engagement, and
- Set themselves apart by offering comprehensive financial wellness benefits.
Ready to start a conversation? Contact The Zolet Lenet and Fink Group today.
Certified Financial Planner Board of Standards, Inc. (CFP Board) owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™, and CFP® (with plaque design) in the United States, which it authorizes use of by individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
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 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.
3Morgan 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.
4When 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.
5Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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.
7When 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.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
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’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.
3Morgan 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.
4When 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.
5Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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.
7When 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.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
CRC 6491812 (04/2024)
