Michelle V. Schonberg, CFP

During the past 30 years with Morgan Stanley, Michelle has built a comprehensive wealth advisory practice to assist her clients with building and preserving their wealth, and enjoying comfortable retirements. She focuses on designing and managing custom portfolios to meet the specific needs and goals of each of her clients.
Services Include
  • Professional Portfolio Management1
  • Retirement Planning2
  • Sustainable Investing3
  • Wealth Management4
  • Estate Planning Strategies5
  • Financial Planning6
  • 401(k) Rollovers
Securities Agent: TX, NJ, VA, SD, SC, PA, OH, NY, NH, NC, MO, ME, MA, FL, DE, DC, CT, CO, CA; Managed Futures; Transactional Futures/Commodities; General Securities Representative; BM/Supervisor; Investment Advisor Representative
NMLS#: 1270233
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*

You can retire, or retire well

You Can Retire, or Retire Well

Retiring well is the goal of financial planning and successful investing. It is a topic I bring up with all of my clients because retirement planning is a lifelong process with three distinct stages:
1. Growing your wealth and income to fund your future goals
2. Ensuring a smooth transition to retirement
3. Maintaining your chosen lifestyle throughout your life

Together, we will address the retirement concerns you find most daunting:
- Do I have enough money to live for 20 years or more in retirement?
- How will inflation and taxes impact my retirement?
- What is my strategy for increasing my income potential during retirement?
- Am I adequately covered in the event of a health crisis?
- How can I maximize Social Security benefits?

Successful retirement planning means more than providing you with investment advice. It means helping you to maintain your financial independence. It means striving to ensure you have the resources to pursue what's most important to you. And it means understanding you as someone whose unique goals, values and circumstances help determine the strategies I develop on your behalf.

    Experience

    Experience
    • 1982 - Present: Morgan Stanley*
    • 1990 - Present: Certified Financial Planner™
    • 2013 - 2018: Five Star Wealth Manager
    • 2014 - 2017: Boardmember, Portfolio Management Institute
    • 2015 - Present: Senior Investment Management Consultant
    • 2016 - Present: Family Wealth Advisor and Senior Portfolio Manager

    Women and Investing

    Women and Investing

    How secure do you feel about your ability to manage your financial well-being for the long term? Are your investments aligned with your values and beliefs? Do you have a plan in place to protect yourself and your family when life throws you a curve, such as divorce, death of a spouse, birth of a child or a health crisis?

    Every day, I meet strong, successful, independent women who feel inadequately prepared to make wise investment decisions, face retirement, or handle a financial crisis. I am determined to change that mindset. Controlling our money gives us power and choices and allows us to make the best decisions for ourselves and our families and to lead the lives we envision.

    Most women will be in charge of the family finances at some point in their lives and they deserve to be financially literate. I am committed to making sure you feel comfortable managing your money. Whether you are a woman of unexpected wealth, a woman with new responsibilities, or an executive woman who has earned your wealth and intends to manage it closely, I can help you make financial choices that are both wise and meaningful.

      Investing in What Matters to You

      Are you looking for investments that match your values? Financial choices that help you make an impact with the money you invest without compromising your financial goals? Are you unsure about where and how to start, or unclear about the difference between the types of socially responsible investment vehicles?

      You can think of it in positive terms by investing in sectors, companies or projects which align directly with your values. You can focus on building a thematic portfolio, such as fossil free investing or using a gender lens. Or, you can think of sustainable investing in negative terms by simply excluding from your portfolio certain sectors, companies or practices.

        Location

        1200 Mt Kemble Avenue
        Fl 2
        Morristown, NJ 07960
        US
        Direct:
        (973) 425-2342(973) 425-2342
        Toll-Free:
        (800) 755-4253(800) 755-4253
        Fax:
        (973) 425-2366(973) 425-2366
        Investment and Market Perspectives

        On the Markets

        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
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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
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        Ready to start a conversation? Contact Michelle V. Schonberg today.
        Market Information Delayed 20 Minutes
        1Morgan Stanley’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be suitable 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.

        2Morgan 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.

        3The returns on a portfolio consisting primarily of Environmental, Social and Governance (“ESG”) aware investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because ESG criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria.

        4Morgan 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.

        5Morgan 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.

        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.

        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.

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        The securities/instruments, services, investments and investment strategies discussed in this material may not be suitable 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”) 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.


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