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Melissa Ciotoli is a Financial Advisor and Financial Planning Specialist in the Westport, CT office of Morgan Stanley Smith Barney. She has spent over 10 years in financial services, beginning her career in Manhattan in commercial banking. Melissa takes the time to understand her clients' financial concerns and works in partnership with them to develop a customized financial program that can help meet their needs. She works with business owners and their families, providing investment management and financial planning services. A graduate of the Wharton School of the University of Pennsylvania, she holds a Bachelor of Science degree in Economics, with majors in finance and marketing. She performs with Acabella, a women's acappella group based in Darien. She is an ambassador of the Westport Chamber of Commerce, and a member of EWN, the Penn Club of Fairfield County and the Wharton Club of NY.