The Calabretta Group at
Morgan Stanley Smith Barney
Passionately Committed To
Managing Your Wealth
The Calabretta Group at Morgan Stanley Smith Barney
provides comprehensive wealth management solutions
to help connect all the pieces of your financial life.
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Our clients are the foundation of our practice.
As such, we are committed to making a
meaningful difference in their lives by guiding
them to make well-informed financial decisions,
helping them to attain their goals and striving to
transcend their expectations.
Our dedication to this commitment encompasses
providing a high level of client service, both
proactively and responsively. Equally important
is our attentiveness to anticipating changes and
challenges in our clients’ lives and to helping them
be prepared to meet those circumstances as they
arise. We endeavor to earn our clients’ trust, thereby
building long-lasting relationships with them and
We believe that you deserve financial advisors who share your vision, earn your
trust and work diligently to help you attain the life you desire for you and your
family. As we work together towards your goals, we are committed to providing
you with distinctive, caring and personalized attention. Equally important is our
attentiveness to helping you anticipate the changes and challenges in your life
so you can be prepared to meet those circumstances when they arise.
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Meet the Professionals
As wealth managers, we seek to understand our clients broadly and deeply
enough to find opportunities that add value not only to their financial needs,
but also to their life aspirations.
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MATTHEW A. CALABRETTA SETH W. PREDIX REBECCA A. GEBHART
First Vice President Financial Advisor Registered Client Service Associate
Senior Investment Management Consultant Financial Planning Associate Financial Planning Associate
Matt began his career Seth began working Becky began working
with Morgan Stanley with The Calabretta with The Calabretta
Smith Barney in 2000 Group in 2008. As Group when she
upon completing his a Financial Planning joined Morgan Stanley
M.B.A. in Finance. Specialist, Seth Smith Barney in
Since joining focuses primarily 2000. She has served
Morgan Stanley on retirement, as Senior Registered
Smith Barney, Matt has earned certifications estate, education, insurance and financial Client Service Associate for The Calabretta
as a Senior Investment Management planning. With Seth’s innovative approach Group since its inception. In addition to being
Specialist and Financial Planning Specialist. in portfolio structure and management, he securities licensed, Becky is certified as a
His broad financial background and strong creates a customized plan for each client Financial Planning Associate.
commitment to client service has been and develops effective strategies to obtain
Becky has multifaceted duties, which
invaluable to his clients, which include their financial goals.
comprise ensuring that client’s issues
affluent individuals, families, corporate
Seth attained his Bachelor of Science and accounts are addressed with personal
executives and business owners.
in Finance from The Pennsylvania State attention and care, coordinating The
Matt focuses on a comprehensive wealth University. He belongs to The Penn State Calabretta Group’s overall day-to-day
management process, which includes Alumni Association and is actively involved operations, and implementing business
developing a financial plan customized to in Habitat for Humanity. As a lifetime management systems to increase client
each client’s goals, tailoring a prudent asset resident of York, Seth strives in giving back service quality.
allocation strategy, and continuing to review to the local community. He enjoys spending
Becky is a graduate of York College of
the plan and monitor the progress on an time with his family, and participating in
Pennsylvania, with a degree in Business
ongoing basis. In addition to the design outdoor activities and sporting events.
Management and Administration. She is
and implementation of prudent investment He has a passion for helping clients define
a team member and volunteer for the
strategies, Matt also specializes in retirement, and reach their financial goals, while
American Cancer Society’s Relay for Life.
education, insurance and estate planning. sharing in the successes and milestones
along the way.
As an alumnus of The Pennsylvania State
University, with a Bachelor of Science degree
in Science, as well as an NCAA Division I
wrestler, Matt remains involved with The
Penn State Alumni Association and is a board
member on The Penn State York Advisory
Board. Matt is actively involved in The Rotary
Club of York, Big Brothers Big Sisters of York
County, and The Special Olympics.
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We Do Business
We know how hard our clients work for their money, and why.
They do it to build a meaningful life for themselves, their family and
their community. We work just as hard to help them achieve that life.
We are backed by years of experience helping clients manage their
wealth and access the depth of resources that comes from being part
of one of the world’s largest financial firms.
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But before we develop any specific recommendations, we take the STEP 3. IMPLEMENTING YOUR PLAN
time to understand who you are as an individual and what you After presenting you with a detailed strategy for your portfolio,
want to accomplish with your wealth and your life. We will work we work closely with you to bring the elements to life. Should we
through the following process together: decide that outside money managers are appropriate for you, we
will rely on our research to select from the hundreds of investment-
STEP 1. SETTING YOUR FINANCIAL OBJECTIVES management firms competing for your business. Or perhaps you’d
We’ll begin our relationship by asking questions—a lot of questions. prefer individual securities; if so, we can identify specific stocks,
Like what you want to do with your life, the things you want to bonds and other securities that would be suitable for your portfolio.
have, and whether you’d like to pass any of your wealth to others. Whatever approach we decide on, we will help keep your portfolio
We’ll ask about your current financial resources, your time horizon on track.
for various goals, your tolerance for risk—even how your liabilities
are structured. If you’re a business owner, we also might discuss STEP 4. REVIEWING YOUR PERFORMANCE
your current banking and cash-management needs.. When your personal situation or market conditions change
significantly, we can recommend adjustments to your portfolio as
STEP 2. DEVELOPING YOUR necessary. Additionally, you will receive a comprehensive quarterly
WEALTH MANAGEMENT STRATEGY review that outlines your portfolio’s performance and whether it is
Based on your input, our recommendations will likely address on track toward meeting expectations.
income and retirement planning, asset protection, investment Diversification does not guarantee a profit or protect against loss.
management, strategic borrowing, wealth transfer and business
succession. Of course, your plan will include an asset allocation
strategy designed to achieve a return in line with your risk tolerance
and investment time horizon.
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Wealth Management Resources
As Financial Advisors at Morgan Stanley Smith Barney, a new industry-
leading wealth management firm, we have access to a global platform of
resources that enables us to select the products and services that match the
diverse financial needs of our clients. Our capabilities include, but are not
limited to, the following resources:
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Our Wealth Management Resources
WEALTH PLANNING WEALTH PRESERVATION AND TRANSFER
Income and cash-flow planning, strategic borrowing, Can help protect wealth from creditors and taxes; transfer assets,
asset protection, wealth transfer, investment analytics business holdings and values to future generations
• Financial Planning • Investment Advice
• Retirement Planning • Insurance
• Education Planning • Trust Services
• Estate Planning • Philanthropic Services
• Fiduciary Services
BUSINESS OWNER SERVICES
• Online Account Access
Business banking and insurance services, working and growth
• Portfolio Management Group capital, diversification of personal wealth, capital structure and
INVESTMENT CONSULTING AND MANAGEMENT • Capital Strategies Group
Customized asset-allocation advice, extensive investment
advisor research, automatic rebalancing, ongoing monitoring
and performance reporting • Cash Management
• Investment Advisory Services • Retirement Plans
• Select Portfolios • Business-Succession Planning
• Portfolio Management Group • Insurance
• Smith Barney Advisor
• Alternative Investments
Restructure debt, improve cash flow, facilitate estate planning,
pledge capital to help family members, access capital to operate
and expand a business, finance a home
• Home Finance
• Securities-Based Loans
• Commercial Banking
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The Morgan Stanley
Smith Barney Advantage
Our approach is simple. We want to know as much
as we can about our clients, so we’re in the best
possible position to help them. And that doesn’t
mean we just want to know about their finances.
True, we have to understand what your assets and liabilities are, and how your
portfolio is structured. But the more important information has to do with your
goals for yourself and your family, your feelings about where you are and where
you hope to be and, of course, your fears, and the things that might prevent you
from getting what you want.
Because everyone is different, we tailor our recommendations for each client’s
unique set of goals and challenges. Maybe you want to retire at 55 and start a
new business. Maybe you want to be able to pay both college tuition for your
child and nursing home care for your mother. Maybe you’re in the middle of
a divorce and you want to ensure your children’s inheritance doesn’t go to the
future spouse of your ex.
This in-depth knowledge of you, combined with our in-depth knowledge of
planning and investing, will help us create strategies aimed at trying to achieve
the things you really want. And we have the freedom—and the good fortune—
to implement those strategies using the products, services and skills of a large
financial services firm.
It’s time to throw out your notions of what you can talk about with us.
We look forward to the conversation.
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“We believe that you deserve Financial Advisors who share
your vision, earn your trust and work relentlessly to help you
attain the life you desire for you and your family.”
The Calabretta Group
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