Senior Vice President, Financial Advisor, Portfolio Management Director, Financial Planning Specialist
Phone:
(973) 236-3622(973) 236-3622
Gottlieb/Horowitz Group at Morgan Stanley
Direct:
(973) 236-3622(973) 236-3622
Our Mission Statement
Helping clients with their personalized investment and financial strategies
Our Story
Steven Gottlieb and Spencer Horowitz relationship started over 15 years ago and has only grown since. While Steven was working as a successful advisor, Spencer was working as a high school student. Spencer had a fascination for the markets which Steven continued to nurture and mentor.
As Spencer went on to college and eventually became a golf Professional Steven continued to serve his clients and grow the practice. Eventually the two would be reconnected as Spencer decided to leave golf and join Morgan Stanley in Atlanta.
Steven was once again giving Spencer advice, but now as a advisor himself. In 2020 the pair decided to join forces so that their clients could receive the best possible service.
As Spencer went on to college and eventually became a golf Professional Steven continued to serve his clients and grow the practice. Eventually the two would be reconnected as Spencer decided to leave golf and join Morgan Stanley in Atlanta.
Steven was once again giving Spencer advice, but now as a advisor himself. In 2020 the pair decided to join forces so that their clients could receive the best possible service.
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Comprehensive Financial Planning
Regardless of what stage your life is in - moving ahead in your career, enjoying retirement, or somewhere in between - as your Financial Advisors, we can help you achieve your financial goals.
Using a suite of tools that includes goal-specific analysis, we can work with you to create a realistic, holistic strategy that integrates the various aspects of your financial life, including your investments and cash management needs.
We can create your personal roadmap to help achieve and protect your goals — a framework that makes the connection between your life goals and your financial resources, and provides a baseline for future discussions.
Manage Debt
We thoroughly review your mortgage, car loans, credit cards, and any other debts that you may have in order to help determine where you can save on interest and create a timeline for your debt payments by prioritizing which ones should be paid off first.
Insurance
We take an extremely close look at your financial profile to decipher what type(s) of insurance most fit your needs, and determine if your current insurance policies are best suited for you and your goals.
Retirement
Leading up to and through retirement, Cornerstone Capital helps you identify the most appropriate ways to obtain the income you need and help ensure that you are on track to achieve for financial goals.
Estate Planning Strategies
Regardless of your current financial circumstances, it is crucial to have a backup plan for your money. We regularly review your finances with you and coordinate with your estate attorney to help ensure that your wishes are met in the most efficient and cost-effective way possible.
Managing Investments
We take care of your retirement accounts and other investments based on your comfort level with risk and your current tax circumstances, tailoring your financial strategy to your unique situation, needs, and goals.
What are your Goals?
Some people go through life knowing exactly what they want and have a clear plan for how they are going to make it happen.
In my experience, this is the exception rather than the rule.
Much more common is a vague sense that "I want my family to be OK" or "I want to be sure I don't run out of money." These are valid sentiments and form a viable framework for an investment plan, but they are not defined goals.
It is crucial to identify and clearly articulate specific goals, so we can mitigate your investment risk. By defining specific goals, we can invest for the desired return without incurring undue risk.
So what it a specific goal? Here are a few:
Pay for college for my two children or four grandchildren. What will that cost in the appropriate timeframe?
Retire from my "real" career at age 60, so I can transition to a less stressful or fun career. How much wealth will be required?
Have enough money for a major international trip twice a year. How much should we allocate?
Purchase and maintain a second home. What will that cost up front and on an annual basis?
Leave a multi-generational legacy for my family. Do you have an estate plan?
Give a meaningful gift to a charity that means a great deal to me. What do you hope to accomplish?
In each case, we can estimate a required dollar figure and a proposed timeframe. When that is established, we can look at variations and their impacts.
Tax-Efficient Strategies
Here at Morgan Stanley, we strive to simplify complex financial ideas so that our clients understand what is being done on their behalf to plan for their financial future. We want to provide our clients with as many resources as possible so they can stay informed about the latest market trends, outlooks, and breakdowns. The links below provide detailed analysis on interesting topics that are affecting the finance and business worlds.
- Log into your account via Morgan Stanley Online
- Click the Accounts tab
- Select the Documents tab
- Go to the Statement drop-down tab
- Select Tax Documents and download them
4 Key Tax Questions for Investors to Consider
Factoring the impact of taxes into your investment decisions can help you keep more of your hard-earned money, both now and in the future.
Tax-Smart Strategies for Retirement
Looking for ideas on how to be more tax efficient when planning for your retirement?
How to Access Your Tax Forms
How to Access Your Tax Forms
Our Services and Process
Services We Provide
FINANCIAL PLANNING: Goals Analysis, Retirement Income, Debt Analysis, Special Circumstances
INVESTMENT PLANNING: Security Recommendations, Economics, Asset Allocation, Tax Efficient Investing
WEALTH PLANNING: Wills & Legal Documents, Legacy Planning/Gifting, Family Governance, Charitable Planning
EXECUTIVE PLANNING: Incentive Compensation, Stock Options, Concentrated Positions, Stock Monetization
BUSINESS OWNER PLANNING: Risk Management, Cash Management, Retirement Benefits, Succession Planning
EMPLOYER RETIREMENT PLANS: Investment Management & Monitoring, Participant Financial Education, Participation Focus, Plan Design & Implementation, Evaluate & Recommend Record Keeper/Provider, Plan Fiduciary Responsibilities
Our Tailored Process
Step 1 -> Discovery Process: We listen, learn, and identify what is important to you and your legacy
Step 2 -> Develop Strategies: We determine risk and gather data to analyze current investments and create a financial plan
Step 3 -> Onboarding Meeting: We present and discuss the plan
Step 4 -> Deployment of Solutions: Focus on asset movement and assign responsibilities
Step 5 -> Orientation Meeting: Meet and understand the team and "who to contact"
Step 5 -> Wealth Team Integration: Develop and understand your network, liquidity needs, and secondary plans
Step 6 -> Strategy/Tactical Meetings: Monitor, discuss, and adjust future transitions
Our Suite of Digital Tools
Morgan Stanley Online:
Beyond viewing your account balance and activity, Morgan Stanley Online (MSO) has a suite of features that allow you to manage your everyday finances from paying bills and sending money to transferring funds and authorizing transactions with one click using eAuthorizations.
Spending + Budgeting:
Track spending habits, categorize expenses and create budgets across your Morgan Stanley and external financial accounts with our Spending and Budgeting Tool. We make it easy for you and your financial advisor to oversee trends in your financial life.
Total Wealth View:
We've launched a new tool that allows you to link information from your accounts at other financial institutions directly to your Morgan Stanley Online or Morgan Stanley Mobile App profile. The ability to view all of your assets together provides the opportunity to advise on your Morgan Stanley accounts with your entire financial picture in mind.
eDelivery:
Morgan Stanley Online has a variety of features that can enhance your digital experience and provide a deeper level of security. One of those tools, eDelivery, allows you to securely save, print, send or receive documents at any time from both Morgan Stanley Online and the Morgan Stanley Mobile App.
Digital Vault:
Digital Vault lets you easily and securely manage and share important documents such as account statements, authorizations, tax filings and other relevant documents with your Financial Advisor.
Portfolio Risk Platform:
Our Portfolio Risk Platform, backed by institutional-caliber analytics, assesses thousands of risk factors using a holdings-based approach to assess a portfolio's exposures, analyze how securities behave together across portfolios and forecast how they influence risk and return moving forward.
Location
300 Campus Drive
Florham Park, NJ 07932
US
Direct:
(973) 236-3622(973) 236-3622
Meet Gottlieb/Horowitz Group
About Steven I Gottlieb
Securities Agent: TX, CA, TN, CO, RI, NJ, NH, MS, MD, IN, IL, OR, ME, LA, KS, SC, NV, MA, FL, VT, VA, AK, WA, NM, MI, WV, PA, OH, DE, AZ, NC, MT, DC, AL, OK, NY, GA, CT; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 1279168
NMLS#: 1279168
About Spencer Horowitz
Spencer Horowitz is a Financial Advisor at Morgan Stanley. Spencer helps business owners, corporate executives, and high-net-worth families with portfolio management, comprehensive wealth planning, pre-liquidity planning, and retirement planning.
Spencer received his Bachelor of Science from the Florida State University College of Business. Upon graduation, he pursued a career as a professional golfer. After a few years of playing and teaching at some of the top golf courses around the country he made a career change into Wealth Management.
Spencer started his career in Wealth Management at E*TRADE working with both families and active traders. In 2018 Spencer joined Morgan Stanley as a financial advisor and has since been recognized by Morgan Stanley as a Pacesetter Member. He holds both Series 7, 63 and Series 66 licenses.
Spencer utilizes the unparalleled resources of Morgan Stanley as well as his team’s vast experience and intellectual capital to help clients find solutions to their complex financial needs. He has developed his skills working in several capacities at Morgan Stanley, including as a financial planner, analyst, and advisor. These diverse roles allow him to draw from several perspectives when crafting a financial strategy for clients. Whether he’s working with a C-suite executive, a multigenerational family, or a business owner, Spencer believes firmly in the importance of developing both short and long-term financial goals, and he is particularly committed to providing education and advisory across generations to prepare young people for financial success.
In his free time, Spencer is an avid golfer, an active member at Temple Emanu-El, and enjoys going to the beach. He currently resides in Atlanta with his wife Madison.
Spencer received his Bachelor of Science from the Florida State University College of Business. Upon graduation, he pursued a career as a professional golfer. After a few years of playing and teaching at some of the top golf courses around the country he made a career change into Wealth Management.
Spencer started his career in Wealth Management at E*TRADE working with both families and active traders. In 2018 Spencer joined Morgan Stanley as a financial advisor and has since been recognized by Morgan Stanley as a Pacesetter Member. He holds both Series 7, 63 and Series 66 licenses.
Spencer utilizes the unparalleled resources of Morgan Stanley as well as his team’s vast experience and intellectual capital to help clients find solutions to their complex financial needs. He has developed his skills working in several capacities at Morgan Stanley, including as a financial planner, analyst, and advisor. These diverse roles allow him to draw from several perspectives when crafting a financial strategy for clients. Whether he’s working with a C-suite executive, a multigenerational family, or a business owner, Spencer believes firmly in the importance of developing both short and long-term financial goals, and he is particularly committed to providing education and advisory across generations to prepare young people for financial success.
In his free time, Spencer is an avid golfer, an active member at Temple Emanu-El, and enjoys going to the beach. He currently resides in Atlanta with his wife Madison.
Securities Agent: NV, LA, DE, RI, VA, CO, SC, OK, NH, GA, FL, DC, AK, VT, PA, MT, MS, ME, MD, MA, IN, WV, NJ, KS, AZ, MI, IL, WA, TX, TN, OR, NY, NC, CT, CA, AL, OH, NM; General Securities Representative; Investment Advisor Representative
NMLS#: 1827770
NMLS#: 1827770
About Lisa Vizzone
Lisa Vizzone is a Portfolio Associate with the Gottlieb Horowitz Group and has spent over 20 years providing superior client service. Highly detail-oriented, she is dedicated to the administration and management of complex client service issues while providing a World-Class service experience.
Lisa began her career as a Sales Assistant at Merrill Lynch in 1982, after she graduated from Kean University with a B.S. degree in Finance. She later joined Smith Barney and began working with Steven Gottlieb in 2005. She has been an integral part of the team for 17 years. Lisa holds her Series 7 and Series 66 security licenses and has obtained the Morgan Stanley designation of Portfolio Associate.
Lisa currently resides with her family in Roseland and enjoys spending summers at the Jersey shore, swimming and cooking for family and friends.
Lisa began her career as a Sales Assistant at Merrill Lynch in 1982, after she graduated from Kean University with a B.S. degree in Finance. She later joined Smith Barney and began working with Steven Gottlieb in 2005. She has been an integral part of the team for 17 years. Lisa holds her Series 7 and Series 66 security licenses and has obtained the Morgan Stanley designation of Portfolio Associate.
Lisa currently resides with her family in Roseland and enjoys spending summers at the Jersey shore, swimming and cooking for family and friends.
Contact Steven I Gottlieb
Contact Spencer Horowitz
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
A Simple Six-Step Retirement Checkup
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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
529 Plans: A Powerful Tool to Save for Education
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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
Ready to start a conversation? Contact Gottlieb/Horowitz Group today.
1Morgan 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.
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 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.
Morgan 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, charitable giving, philanthropic planning and other 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 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.
Morgan 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, charitable giving, philanthropic planning and other 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)
