Christopher Stone, CRPC®, CEPA®
Associate Vice President,
Financial Advisor,
Financial Planning Specialist,
Chartered Retirement Planning Counselor,
Certified Exit Planning Advisor™ (CEPA)
Direct:
(914) 225-2515(914) 225-2515
My Mission Statement
Experience, intellectual capital and dedicated personal service to help you meet your life goals
My Story and Services
As a Chartered Retirement Planning Counselor (CRPC) professional and Certified Exit Planning Advisor (CEPA), my practice is dedicated to guiding individuals, families and business owners through the complexities of retirement planning. While the prospect of retirement can feel daunting, with a well-structured financial strategy, we can work together to ensure you have a clear understanding of your financial position and feel confident as you approach this important milestone. At Morgan Stanley, we leverage advanced technology to help optimize your retirement investments and provide real-time tracking, giving you peace of mind as you progress toward achieving your retirement goals.
To learn more about our team's approach visit:
To learn more about our team's approach visit:
Securities Agent: VA, AL, VT, PR, LA, GA, TX, CA, WA, RI, HI, FL, AZ, PA, MA, KY, OK, OH, MD, IA, WY, WI, OR, NC, ME, DE, MO, IL, DC, IN, TN, SC, NH, CT, NY, NJ, CO, WV, NV, NM, MS, MI; General Securities Representative; Investment Advisor Representative
NMLS#: 2435578
NMLS#: 2435578
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
RESOURCES AND RESEARCH
Morgan Stanley seeks to make complex financial ideas more digestible so our clients understand what is being done on their behalf to plan for their financial future. Checkout the below content to see our latest market updates and reports from the top researchers at our firm.
2026 Federal Tax Tables
This helpful resource outlines the 2026 tax rate schedule, education and health savings account limits, retirement contribution and deduction limits, among other information. With tax season seemingly always right around the corner, it's best to be as informed as possible.
View 2026 Tax Tables
Thoughts on the Markets Podcast
With perspectives on the forces shaping the market, Mike Wilson, Chief Investment Officer and Chief US Equity Strategist for Morgan Stanley, and his colleagues discuss a variety of viewpoints regarding the latest trends in the financial marketplace.
Listen to the latest episode
Morgan Stanley Insights
Morgan Stanley’s latest updates on markets, economies, global trends and more.
Morgan Stanley Insights
Global Investment Committee Weekly Research Report
The Global Investment Committee's Lisa Shalett headlines this weekly look at markets, asset class performance and fixed income.
Access this week's edition
Online Security Center
Safeguarding your assets and personal information remain a top priority at Morgan Stanley. Click the link to learn about our stringent security measures and how to help protect yourself online.
Online security center2025 Pacesetter's Club
I am very pleased to announce that I have been named to Morgan Stanley's prestigious Pacesetter's Club, an elite group of our firm's Financial Advisors.
This accolade recognizes consistent excellence in providing a wide range of investment products and wealth management services to clients like you.
Client Service Team
Audra Gerken - Senior Client Service Associate
Phone:
(914) 225-5689(914) 225-5689
Email:Audra.Gerken@morganstanley.com
Audra Gerken is a dedicated financial services professional with nearly 20 years of experience at Morgan Stanley. She began her career in 2004 as a Sales Assistant in the White Plains office, where she quickly established herself as a valuable team member. In 2005, Audra transitioned to the wealth management office in Purchase, serving as Executive Assistant to the Director of the Branch Managers Task Force.
Her career took a significant step forward in 2006 when Marc Goldstein recruited her to join his team as a Client Service Associate. In this role, Audra has consistently demonstrated her ability to build meaningful client relationships through her exceptional service and attention to detail. Her administrative expertise and commitment to excellence have made her an indispensable part of the team.
Originally from the Bronx, Audra has lived in Westchester County with her husband, Richard, since 1993. She takes great pride in her family, including her two daughters, Crystal and Danielle, and her grandson, David. When not assisting clients, Audra enjoys traveling and spending quality time with her family at the beach.
Her career took a significant step forward in 2006 when Marc Goldstein recruited her to join his team as a Client Service Associate. In this role, Audra has consistently demonstrated her ability to build meaningful client relationships through her exceptional service and attention to detail. Her administrative expertise and commitment to excellence have made her an indispensable part of the team.
Originally from the Bronx, Audra has lived in Westchester County with her husband, Richard, since 1993. She takes great pride in her family, including her two daughters, Crystal and Danielle, and her grandson, David. When not assisting clients, Audra enjoys traveling and spending quality time with her family at the beach.
Svetlana Fiumara - Registered Client Service Associate, Financial Planning Specialist
Phone:
(914) 225-0002(914) 225-0002
Svetlana Fiumara is a Registered Client Service Associate for the Soundview Legacy Group at Morgan Stanley. Svetlana plays a vital role in providing administrative and operational support to the team’s financial advisors. Svetlana is passionate about building meaningful relationships and assisting them in achieving their financial and personal goals.
Svetlana graduated from Pace University with a degree in Business studies. She holds Series 7 and Series 66 licenses and is a Registered Associate. Outside of the office, Svetlana enjoys spending time with her family and loves skiing. She also has a passion for ballet and classic literature.
Svetlana graduated from Pace University with a degree in Business studies. She holds Series 7 and Series 66 licenses and is a Registered Associate. Outside of the office, Svetlana enjoys spending time with her family and loves skiing. She also has a passion for ballet and classic literature.
Jack Howe - Wealth Management Analyst
Phone:
(914) 225-0999(914) 225-0999
Jack is a Wealth Management Analyst at the Soundview Legacy Group at Morgan Stanley, where he plays a key role in supporting the team's day-to-day operations. He works closely with financial advisors to ensure smooth execution across client service, investment operations, and administrative processes. Jack is eager to contribute to a high-performing team, continue learning from experienced advisors, and help create a seamless experience for clients.
He graduated from Georgetown University with a degree in Finance and a minor in Studio Art. While at Georgetown, he was also a proud member of the Men's Lacrosse team, where he developed a strong work ethic, teamwork, and leadership skills.
Before joining Morgan Stanley, Jack worked at BNY Mellon as an Investment Consultant, where he partnered with capital markets teams to support financial advisors with investment solutions.
Outside of the office, Jack enjoys running, playing basketball and golf, spending time with family, and exploring New York City.
He graduated from Georgetown University with a degree in Finance and a minor in Studio Art. While at Georgetown, he was also a proud member of the Men's Lacrosse team, where he developed a strong work ethic, teamwork, and leadership skills.
Before joining Morgan Stanley, Jack worked at BNY Mellon as an Investment Consultant, where he partnered with capital markets teams to support financial advisors with investment solutions.
Outside of the office, Jack enjoys running, playing basketball and golf, spending time with family, and exploring New York City.
Location
2000 Westchester Ave 1nc
Purchase, NY 10577
US
Direct:
(914) 225-2515(914) 225-2515
Wealth Management
Global Investment Office
Portfolio Insights
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
Overcoming Your 5 Biggest Retirement Challenges
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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
Iran Conflict: Seven Takeaways for Investors
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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
6 Financially Smart Ways to Start 2025
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Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
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
Building Value from Values
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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 Christopher Stone today.
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States. Morgan Stanley Wealth Management is a business of Morgan Stanley Smith Barney LLC.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2When 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.
3Morgan 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.
4Morgan 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.
5Morgan 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
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.
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 Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.
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 | Morgan Stanley
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2When 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.
3Morgan 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.
4Morgan 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.
5Morgan 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
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.
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 Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.
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 | Morgan Stanley
CRC 4665150 (8/2025)
