

Darren R. Savikas, CFP®

My Mission Statement
My Story and Services
Darren began his career in 1999 at Mellon Private Wealth Management. In 2006, he joined with his mother and The Savikas Group at Morgan Stanley. They continued working as a team until Darren’s mother retired in 2013. Darren graduated from the University of Pittsburgh with a dual B.A. in Communications and Business.
Born and raised in Pittsburgh, Darren currently lives in the South Hills with his wife, Michele, and their two children, Elena and Evan.
My Process

I am dedicated to building deep and long-lasting client relationships based on mutual respect and integrity. I am committed to providing you with a "one-stop shop" for all of your financial needs. My distinctive three-step process allows me to develop a comprehensive, customized strategy designed to help address your family goals.
I begin with a friendly chat to get to know each other. This meeting is all about you sharing your financial dreams and concerns so we can embark on this journey together.
In our second step, we will dive into the nitty-gritty of your financial world. this means conducting an in depth planning meeting which focuses on your balance sheet, income statement, and other financial priorities.I will listen closely to you unique story, finances, and goals to create a plan tailored to help meet your needs.
Based on your risk tolerance & goals, we develop the financial plan, asset allocation strategy, and other wealth management priorities paired with a detailed implementation plan and pricing schedule. Together we will make adjustments to your investment accounts in order to help turn your goals into a reality.
Location
The Power of Partnerships
About Carlos Cruz
He earned his undergraduate degree from Florida International University and received the Financial Planning Specialist® designation from the College for Financial Planning. Carlos is originally from Miami, FL and currently resides in New York.
Portfolio Insights
Mosaic
1Municipal bonds may not be appropriate for all investors. Income generated from an investment in a municipal bond is generally exempt from federal income taxes. Some income may be subject to state and local taxes and to the federal alternative minimum tax. Capital gains, if any, are subject to tax.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) and its Financial Advisors and Private Wealth Advisors do not provide any tax/legal advice. Consult your own tax/legal advisor before making any tax or legal-related investment decisions.
2Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
3Investors should consider many factors before deciding which 529 plan is appropriate. Some of these factors include: the Plan’s investment options and the historical investment performance of these options, the Plan’s flexibility and features, the reputation and expertise of the Plan’s investment manager, Plan contribution limits and the federal and state tax benefits associated with an investment in the Plan. Some states, for example, offer favorable tax treatment and other benefits to their residents only if they invest in the state’s own Qualified Tuition Program. Investors should determine their home state’s tax treatment of 529 plans when considering whether to choose an in-state or out-of-state plan. Investors should consult with their tax or legal advisor before investing in any 529 Plan or contact their state tax division for more information. Morgan Stanley Smith Barney LLC does not provide tax and/or legal advice. Investors should review a Program Disclosure Statement, which contains more information on investment options, risk factors, fees and expenses and possible tax consequences.
4Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
5Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
6Morgan 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.
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