Denise Goldstein
My Mission Statement
My Story and Services
Denise works with clients to develop personalized wealth management strategies that reflect their goals, priorities, time horizon, and risk tolerance. As part of her services, she helps construct investment portfolios designed to support each client’s broader financial plan. Her approach incorporates Morgan Stanley’s extensive research, market outlook, and planning tools, as well as an open architecture investment platform that allows her to evaluate a wide range of solutions based on each client’s needs.
Denise’s interest in financial services began early in her career, when she worked as a co-op student at two large financial firms and saw how advisors could help families build meaningful, long-term relationships. Today, her approach is centered on listening closely, understanding what matters most to each client, and tailoring communication to each client’s needs.
Known for her thoughtful and empathetic style, Denise focuses on planning, problem-solving, client education, and portfolio management. She strives to help clients feel supported as they make decisions for themselves, their families, and future generations. Denise also values a strong team service model and works in partnership with Kate DeSoto at Morgan Stanley to help provide clients with attentive, coordinated service and clear communication across the team.
Denise holds Series 7 and Series 65 licenses. She earned her undergraduate degree from Northeastern University in Boston, where she studied Finance and International Business. Originally from New York, Denise came to Boston for college and has called the city home for more than 25 years.
Outside of work, Denise is deeply committed to animal welfare and has served on the board of Pilots to the Rescue. She also supports Lung Force, reflecting a personal commitment to lung cancer research and education. Denise is married and has a rescue dog named Greta. She enjoys traveling, exploring new cities, visiting museums and the theater, and spending time with her nieces, family, and friends.
WHAT YOU CAN EXPECT
Working together begins with a conversation focused on what matters most to you. From there, I follow a structured process designed to bring clarity to complex financial decisions and keep your plan aligned as life evolves. The structure below outlines what it is like to work together, from the first conversation through ongoing reviews.
- Listen and Clarify Priorities: My process begins with a conversation to understand your priorities. This initial meeting is an opportunity for you to learn about my services while I get to know you. Following this, I review relevant financial documents to help develop a comprehensive understanding of your current financial situation.
- Review Your Full Financial Picture: I use a range of planning and risk assessment tools to help identify appropriate strategies, and evulate potenital outcomes before finalizing your personalized plan.
- Build a Personalized Plan: I present your plan in detail, encompassing investment recommendations and strategies designed to manage risk, incorporate tax-efficicient strategies, and assist you towards achieving your estate planning objectives. Following our discussion, I will make any necessary revisions to your plan.
- Implement Thoughtfully: Once you give your approval, I proceed with implementing each strategy. I work closely with your CPA and estate attorney to support continuity. My commitment to full transparency means you will be involved and informed at every step of the process.
- Stay Aligned Over Time: I engage with you regularly to monitor progress toward your goals, discuss any changes in your circumstances, and adjust our strategies as appropriate. This approach is designed to keep your financial plan aligned with your evolving needs and objectives.
Managing Your Legacy for Generations
We understand how important it is to build a plan that helps your wealth support the people and priorities that matter most—today and in the future. For many individuals and families, legacy planning is a key part of a broader financial strategy, helping ensure assets are managed thoughtfully and transferred efficiently over time. Explore the resources below to learn more about strategies for preserving and transitioning significant wealth.
Talking with a parent about estate planning is never easy. Here are several conversation starters that can help adult children and their parents' plan.
Money is one of the trickiest topics to discuss. But avoiding the conversation can lead to problems. Learn how to start the dialogue with your family.
Financial literacy means being equipped with the knowledge to make smart financial decisions during every stage of your life. It's never too early to start improving financial literacy in your family.
Money is one of the trickiest topics to discuss. But avoiding the conversation can lead to problems. Learn how to start the dialogue with your family.
Successful family businesses establish a shared mission and succession plan to endure for generations to come.
Millennials and Gen Z are bringing new energy to the future of giving and civic engagement.
OBJECTIVE PLANNING, BUILT AROUND WHAT MATTERS TO YOU
Financial planning brings key decisions together into one coordinated strategy. Explore the planning areas below to learn what I help clients evaluate and the resources available for each topic.
I take the time to understand what matters most to you. Through thoughtful conversations and a comprehensive review of your financial picture, I develop a personalized plan designed to align your investments with your priorities and long-term objectives.
Planning for retirement is a journey that may include unexpected turns along the way. With a thoughtful strategy and ongoing guidance, I can help position you to build sustainable income, maintain financial independence, and approach retirement with confidence.
Estate planning is an important part of preserving your legacy and providing for those you care about. I help clients explore estate strategies and work alongside their attorneys and tax professionals to create plans that reflect their wishes both during their lifetime and beyond.
Whether you're planning for a child or grandchild's education, or investing in your own, the rising cost of college has made education funding a major life expense that benefits from thoughtful, proactive planning.
The way assets are managed and distributed can have significant tax implications over time. By incorporating tax-aware strategies into your financial plan, I can help reduce potential liabilities, preserve wealth, and support long-term portfolio efficiency.
RESOURCE SUITE
Technology continues to transform how we manage and interact with our finances. Morgan Stanley's digital tools are designed to make it easier to stay connected to your financial life, providing secure access to your accounts, insights into your portfolio, and resources that help you make informed decisions whenever and wherever you need them.
Stay connected to your accounts and everyday finances through a secure, integrated platform. Morgan Stanley Online provides real-time access to balances, transactions, performance updates, and more – so you can stay informed about your financial picture anytime, from virtually anywhere.
Total Wealth View offers a comprehensive look at your financial life by bringing together assets held at Morgan Stanley and those held elsewhere. This broader perspective helps you and your advisor better understand your full financial picture and supports more informed, holistic planning.
Our Portfolio Risk Platform uses sophisticated analytics to evaluate portfolio risk and performance. These insights help you and your advisor make informed adjustments to keep your investment strategy aligned with your long-term goals.
Securely store, organize, and share important financial documents – such as statements, tax records, and legal authorizations – through the encrypted Digital Vault. This tool keeps critical information accessible to you and trusted professionals whenever it's needed.
Each week, Lisa Shalett and the Global Investment Committee share timely commentary on market trends, asset classes, and the broader forces influencing investing.
Gain access to in-depth research and expert commentary from Morgan Stanley thought leaders across equities, fixed income, monetary policy, and more – helping you understand what's driving markets and what may lie ahead.
The Morgan Stanley Global Investment Office provides you with world-class thought leadership, timely market commentary, and portfolio ideas to help guide your investment decisions.
Location
Portfolio Insights
Retirement
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
Investing
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
Family
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
Business Planning
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Philanthropy
- Endowments
- Foundations
- Donor Advised Funds
- Impact Investing
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’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.
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.
5When 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 always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
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
