Goutam Ghosh, CAIA
Vice President,
Financial Advisor,
Alternative Investments Director,
Chartered Alternative Investment Analyst
Direct:
(908) 626-8614(908) 626-8614
Toll-Free:
(800) 869-4315(800) 869-4315
My Mission Statement
Working with families to cultivate lasting financial health, aligning their goals and facilitating an intergenerational transfer of wealth.
My Story & Services
Goutam Ghosh is a seasoned Financial Advisor with a passion for guiding individuals on their financial journey. With an immense amount of experience and a commitment to client satisfaction, Goutam has built a reputation as a trusted and reliable advisor. He possesses a keen understanding of the financial landscape and strives to provide personalized solutions that align with his clients’ goals and aspirations. Education has been a cornerstone of Goutam’s career. He embarked on an 18-year academic journey, which started with earning his Bachelors (Honors) in Economics from Delhi University. Goutam then pursued dual MBAs in Marketing and International Business from Birla Institute of Technology (BIT), Mesra, and Finance and International Business from the renowned Stern School of Business at New York University (NYU). Goutam’s dedication to professional excellence and development is evident through his achievement of the prestigious Chartered Alternative Investment Analyst (CAIA) distinction.
Goutam grew up in the vibrant Eastern and Northern regions of India. Since 1984, Goutam has resided in Millburn, New Jersey, with his wife of over 30 years, Ipshita. They have two children, Ilina and Ishaan, and their family dog, Raja. Goutam joined Morgan Stanley Wealth Management as a Financial advisor in 2016. Offering a broad range of services, Goutam is equipped to address various financial needs. From comprehensive Financial Planning to astute Investment Management encompassing Equities, Fixed Income, Structured Products, Annuities, and Alternative Investments, he offers a holistic approach to wealth management.
Outside of the office, Goutam is involved in several philanthropy organizations. He actively engages with Asian Indian community organizations, working with the visually impaired and physically challenged individuals, supporting soup kitchen, and promoting financial literacy programs. Goutam in his free time enjoys listening to Indian classical music, reading books, and attending plays. He also finds joy in playing ping pong, taking bike rides, and exploring the open road through road trips and camping adventures with his family and friends.
With his experience and knowledge, Goutam takes great pride in building long-lasting relationships with his clients and helping them navigate through challenging life circumstances, as well as challenging market conditions. His goal is to guide individuals and their families on the right financial path to achieve their goals and secure their financial future.
Goutam grew up in the vibrant Eastern and Northern regions of India. Since 1984, Goutam has resided in Millburn, New Jersey, with his wife of over 30 years, Ipshita. They have two children, Ilina and Ishaan, and their family dog, Raja. Goutam joined Morgan Stanley Wealth Management as a Financial advisor in 2016. Offering a broad range of services, Goutam is equipped to address various financial needs. From comprehensive Financial Planning to astute Investment Management encompassing Equities, Fixed Income, Structured Products, Annuities, and Alternative Investments, he offers a holistic approach to wealth management.
Outside of the office, Goutam is involved in several philanthropy organizations. He actively engages with Asian Indian community organizations, working with the visually impaired and physically challenged individuals, supporting soup kitchen, and promoting financial literacy programs. Goutam in his free time enjoys listening to Indian classical music, reading books, and attending plays. He also finds joy in playing ping pong, taking bike rides, and exploring the open road through road trips and camping adventures with his family and friends.
With his experience and knowledge, Goutam takes great pride in building long-lasting relationships with his clients and helping them navigate through challenging life circumstances, as well as challenging market conditions. His goal is to guide individuals and their families on the right financial path to achieve their goals and secure their financial future.
Services Include
- Wealth ManagementFootnote1
- Municipal BondsFootnote2
- Corporate BondsFootnote3
- Alternative InvestmentsFootnote4
- Financial PlanningFootnote5
- Estate Planning StrategiesFootnote6
- Qualified Retirement PlansFootnote7
- AnnuitiesFootnote8
- Cash Management and Lending ProductsFootnote9
- Structured ProductsFootnote10
- Long-term Care InsuranceFootnote11
Securities Agent: AR, NV, MI, FL, CA, WA, IL, MA, CT, VA, GA, TX, OR, SC, PA, NY, NJ, MD; General Securities Representative; Investment Advisor Representative
NMLS#: 1582741
CA Insurance License #: 0E23399
NMLS#: 1582741
CA Insurance License #: 0E23399
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Research and Insights
I want to provide you with the most recent, timely and important information so you can feel informed and educated during these difficult times. I will be periodically updating these links in order to keep the most important information top of mind.
What You Should Know About the Debt Ceiling
The current debt ceiling debate could get particularly contentious. Here's what investors should know about the debt limit and potential outcomes.
Listen Here
5.00% Annual Percentage Yield Preferred Savings
Take advantage of our Preferred Savings Program for Qualifying Cash offer with flexible options and more ways to save.
Learn More
Ai and Cybersecurity: A New Era
The battle between cybercriminals and cybersecurity teams has extended to the world of AI. Learn how to protect yourself.
View Article
Tax Reminders
The breakdown provides high-level summaries of complex tax rules. Consult with your tax advisor as to how the rules discussed below apply to your situation.
View Breakdown
Social Security Cola Increase
As of January 2023, Social Security payments will go up by 8.7%. These rate increases are adjusted annually with inflation and reflected as the cost of living.
View Factcard
6 Ways to Reduce Your Tax Bill
Your federal income-tax return may not be top-of-mind once tax season has passed, but you may want to take another look at it. Your IRS Form 1040 tax return may reveal important information about your personal finances—and shed light on valuable opportunities for future savings.
Learn MoreVALUABLE TOOLS AND RESOURCES
Our comprehensive suite of digital tools are designed to help enhance every aspect of your financial life. Below are a few of the many technologies we have to offer our clients. I have also included resources meant to transform complex financial analysis and research into concise and easily digestible content.
Goals Based Planning
Working with me, pair with our technology, is a great way to access advice and build a wealth plan tailored to your needs. Read more about the advantages of working with your goals planning system.
Learn More
Retirement Planning
What do you envision for your retirement? Traveling the world? Frequently entertaining friends and family at home? Delving into pastimes you had little leeway for during your working years? Whatever your pursuits, it's essential to plan ahead for your spending needs to help ensure that you can afford your dream retirement.
Learn More About Retirement
Total Wealth View
Gain a complete financial picture with Total Wealth View. By linking your outside account information, you can have a holistic financial plan aimed at achieving your short and long term goals.
Learn More
529 Plans - Education Savings Plan
The SECURE 2.0 Act comes a new provision that benefits 529 Plan investors. Unused 529 account assets may be rolled over tax and penalty free to a Roth IRA under certain conditions, starting in 2024.
Listen to the Podcast
Morgan Stanley Online
Your investments and everyday finances are always a few clicks away with Morgan Stanley Online and the Morgan Stanley Mobile App.
Learn More
Morgan Stanley Ideas Podcast
The Morgan Stanley Ideas Podcast brings you revealing stories about the world of business, finance, technology, and beyond.
Learn More
Online Security Center
At Morgan Stanley, safeguarding your assets and personal information is among our highest priorities. Learn about our security measures and use our resources and ideas to help protect yourself online.
Learn More
Thoughts On the Market Podcast
With perspective on the forces shaping the market, join Mike Wilson, Chief Investment officer and Chief US Equity Strategist for Morgan Stanley, as he and his colleagues discuss a variety of viewpoints regarding the latest trends in the financial marketplace.
Learn MoreUpcoming Firm Events
We hope you will join us for this upcoming event.
2025 Midyear Economic & Investment Outlook
DATE: June 2, 2025 at 12 p.m. ETWhat's in store for the markets and the economy for the rest of 2025? Join us for a midyear conversation with thought leaders from the Morgan Stanley Global Investment Committee—an integrated team of leading market, economic and portfolio management experts from across the Firm. Tune in as they discuss the state of the U.S. economy and the American consumer, economic signals to watch for in the back half of the year, and potential tailwinds or headwinds for various market sectors and industries.
4510865 05/2025
Online
As an Alternative Investments Director, I can provide clients with further guidance, insights and thought leadership about the alternative investments asset class and strategies provided by Morgan Stanley Wealth Management.
This includes Private Credit, Private Real Estate, Private Equity and Hedge Funds to help you meet your financial objectives. Your choices will depend on your goals and risk tolerance.
This includes Private Credit, Private Real Estate, Private Equity and Hedge Funds to help you meet your financial objectives. Your choices will depend on your goals and risk tolerance.
Alternative Investments
Our leading alternatives platform offers 160+ third-party and proprietary funds, including first look and exclusive opportunities, that may help qualified investors enhance returns, reduce volatility, manage taxes and generate income—while maintaining a goals-based approach for asset allocation.
Morgan Stanley Alternative Investments
Hedge Funds
We specialize in delivering a broad range of hedge fund portfolio solutions to a global client base. Our strategies include custom hedge fund portfolios; broadly-diversified, opportunistic and strategy-specific funds; and advisory services.
Learn More About Hedge Funds
Private Real Estate
Morgan Stanley Real Estate Investing (MSREI) is the global private real estate investment management arm of Morgan Stanley. With ~200 professionals in 17 offices across 13 countries plus decades of experience investing internationally, MSREI is uniquely positioned to execute core and opportunistic strategies globally.
Learn More About Private Real Estate
Private Equity
Our private equity teams invest in segments of the market that, in our view, are generally underserved by other providers of private capital. We invest directly in private businesses and also allocate capital to compelling fund managers, secondary market opportunities and co-investments on behalf of our limited partners. We seek situations where we believe our expertise, reputation and access to the unparalleled resources of Morgan Stanley will enable us to generate attractive risk-adjusted returns.
Learn More About Private Equity
Private Credit
Private Credit investing is an essential component of Morgan Stanley Investment Management’s alternative investments platform. We manage a well-defined group of strategies and seek to deliver attractive returns to our investors by forging successful partnerships with our portfolio companies.
Learn More About Private CreditClient Service Team
Chris Mazza - Client Service Associate
Chris Mazza joined Morgan Stanley in 2022. As a Client Service Associate, he provides high quality, client-oriented service as well as facilitates day to day operations. Prior to joining Morgan Stanley, Chris worked at UBS as a Client Service Specialist.
Chris studied at St. Johns University and graduated in 2019. Chris grew up and currently resides in Staten Island, NY. In his free time, Chris enjoys playing golf and hockey.
Chris studied at St. Johns University and graduated in 2019. Chris grew up and currently resides in Staten Island, NY. In his free time, Chris enjoys playing golf and hockey.
Location
15 Independence Blvd 1st
Fl
Warren, NJ 07059
US
Direct:
(908) 626-8614(908) 626-8614
Toll-Free:
(800) 869-4315(800) 869-4315
Fax:
(908) 626-8650(908) 626-8650
Wealth Management
Global Investment Office
Portfolio Insights
Ready to start a conversation? Contact Goutam Ghosh today.
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Municipal 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.
3Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
4Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
5Morgan 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.
6Morgan 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.
7When 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.
8Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
9Morgan 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
10Structured Investments are complex and not appropriate for all investors. An investment in structured investments involves risks. These risks can include but are not limited to: fluctuations in the price, level or yield of underlying asset(s), interest rates, currency values and credit quality, substantial loss of principal, limits on participation in appreciation of underlying asset(s), limited liquidity, credit risk, and/or conflicts of interest. Many structured investments do not pay interest or guarantee a return above principal at maturity. Investors should read the security’s offering documentation prior to making an investment decision.
11Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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 Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
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
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Municipal 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.
3Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
4Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
5Morgan 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.
6Morgan 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.
7When 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.
8Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
9Morgan 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
10Structured Investments are complex and not appropriate for all investors. An investment in structured investments involves risks. These risks can include but are not limited to: fluctuations in the price, level or yield of underlying asset(s), interest rates, currency values and credit quality, substantial loss of principal, limits on participation in appreciation of underlying asset(s), limited liquidity, credit risk, and/or conflicts of interest. Many structured investments do not pay interest or guarantee a return above principal at maturity. Investors should read the security’s offering documentation prior to making an investment decision.
11Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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 Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
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
CRC 6491812 (04/2024)
