Steven Goldstein
Senior Vice President, Financial Advisor, Senior Portfolio Management Director
Phone:
(973) 425-8554(973) 425-8554
Mount Kemble Wealth Management Group at Morgan Stanley
Direct:
(973) 425-8554(973) 425-8554
Toll-Free:
(877) 517-8726(877) 517-8726
Our Mission Statement
To assist you in successfully navigating through lifes most important events
About Us
As the financial world becomes more complex and your personal wealth becomes more complicated, careful planning and sound advice become even more important as you pursue your goals. Collaborating with a seasoned advisory team can help simplify your financial life, so you can focus your time and energy on the people and personal aspirations that matter most in your life.
At The Mount Kemble Wealth Management Group, we offer a personalized approach to managing your wealth. We focus on what is most important to you and provide the skills, strategies and services needed to make more informed, confident decisions about your life, your family and your finances. We are committed to helping make a meaningful difference in your life and strive to exceed your expectations every day.
Working together, we’ll develop and monitor a tailored strategy that lays out a clear path to your goals. Our disciplined process explores a broad range of topics – from purchasing your dream home and putting your children through college to preparing for retirement, managing family dynamics discreetly and leaving a lasting legacy. What we discover through this process will become a personalized roadmap designed to get you from “Point A” to “Point B” as easily and efficiently as possible. Over time, we’ll continue to fine-tune your strategy to reflect new priorities in your life or changes in the marketplace.
As an experienced team of caring advisors, we are committed to helping you navigate the distractions of challenging markets, executing and enhancing your strategy over time, while working to strengthen your family’s financial security for generations to come. Our approach emphasizes highly personalized service and close communication, so we always know what’s happening in your life, and you always know what’s happening with your wealth.
Named to 2025 Forbes Best-In-State Wealth Management Teams.
2025 Forbes Best-In-State Wealth Management Teams
Source: Forbes (Awarded Jan 2025). Data compiled by SHOOK Research LLC based for the period 3/31/23–3/31/24. https://www.morganstanley.com/what-we-do/wealth-management/forbes-top-wealth-advisors-lists-2025
At The Mount Kemble Wealth Management Group, we offer a personalized approach to managing your wealth. We focus on what is most important to you and provide the skills, strategies and services needed to make more informed, confident decisions about your life, your family and your finances. We are committed to helping make a meaningful difference in your life and strive to exceed your expectations every day.
Working together, we’ll develop and monitor a tailored strategy that lays out a clear path to your goals. Our disciplined process explores a broad range of topics – from purchasing your dream home and putting your children through college to preparing for retirement, managing family dynamics discreetly and leaving a lasting legacy. What we discover through this process will become a personalized roadmap designed to get you from “Point A” to “Point B” as easily and efficiently as possible. Over time, we’ll continue to fine-tune your strategy to reflect new priorities in your life or changes in the marketplace.
As an experienced team of caring advisors, we are committed to helping you navigate the distractions of challenging markets, executing and enhancing your strategy over time, while working to strengthen your family’s financial security for generations to come. Our approach emphasizes highly personalized service and close communication, so we always know what’s happening in your life, and you always know what’s happening with your wealth.
Named to 2025 Forbes Best-In-State Wealth Management Teams.
2025 Forbes Best-In-State Wealth Management Teams
Source: Forbes (Awarded Jan 2025). Data compiled by SHOOK Research LLC based for the period 3/31/23–3/31/24. https://www.morganstanley.com/what-we-do/wealth-management/forbes-top-wealth-advisors-lists-2025
Services Include
- Financial PlanningFootnote1
- Asset Management
- Retirement PlanningFootnote2
- Estate Planning StrategiesFootnote3
- Divorce Financial AnalysisFootnote4
- Planning for Education FundingFootnote5
- Corporate Retirement PlansFootnote6
- Philanthropic Services
- Life InsuranceFootnote7
- Long Term Care InsuranceFootnote8
- Trust Services*
- Business PlanningFootnote9
- Professional Portfolio ManagementFootnote10
- Cash Management and Lending ProductsFootnote11
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
BY YOUR SIDE FOR ALL OF LIFE'S MILESTONES
While each of our clients has a unique set of goals and circumstances, they collectively have one thing in common: They want to optimize their wealth to secure their financial future and pursue their personal passions. We help them navigate life-changing events, which often include:
- Changing a job or career
- The transition to retirement
- The sale of a business
- A divorce or loss of a spouse
We also help them:
- Save effectively so children can attend the colleges of their choice
- Finance a major acquisition, including the purchase of a second home
- Integrate investment assets and company benefits into an overall cash flow
- Minimize taxes through advanced asset management solutions
- Leave a lasting legacy for generations
As you work with us, we are confident you will find the solutions we recommend are carefully coordinated to provide you with the knowledge, tools and resources needed to succeed in today’s fast-paced world.
- Changing a job or career
- The transition to retirement
- The sale of a business
- A divorce or loss of a spouse
We also help them:
- Save effectively so children can attend the colleges of their choice
- Finance a major acquisition, including the purchase of a second home
- Integrate investment assets and company benefits into an overall cash flow
- Minimize taxes through advanced asset management solutions
- Leave a lasting legacy for generations
As you work with us, we are confident you will find the solutions we recommend are carefully coordinated to provide you with the knowledge, tools and resources needed to succeed in today’s fast-paced world.
High Net Worth Individuals and Families
We have experience working with high-net-worth individuals and families, providing comprehensive wealth management services -- including investment management, tax planning, estate planning and risk management -- tailored to help meet the unique goals and needs of you and your family.
Business Owners
We provide specialized guidance on the financial aspects of running a successful business on both sides of the balance sheet, including tax planning, employee benefits, succession planning, and more.
Corporate Executives
Custom tailored advice and strategies to help you manage your unique financial needs, including executive compensation, wealth preservation, and retirement planning.
Change of Life Events
In cases of marriage, birth of a child, change in employment, inheritance, or retirement, is is important to have a plan in place to be prepared for financial implications along with prepared strategies to achieve your goals.
Non-Profit Organizations
We help non-profit organizations use their assets to pursue their mission, serving as a proactive and collaborative partner to help our clients grow their social and financial capital.
Retirees and Pre-Retirees
Whether you're planning for retirement, looking to turn your savings into income as you transition into retirement, or are seeking to make your nest egg last, we are here to consult you on all your financial needs.
Path to Your Goals
When planning a journey, it’s best to map out a plan to arrive at your destination as efficiently as possible. The same is true when planning for your future.
By understanding where you and your family are today – your “Point A” – and where you want to go – your “Point B” – we map out a strategy to get there as planned. If we anticipate a detour, we proactively re-route our guidance, so you can achieve your goals safely and effectively.
Here is a brief overview of the process we follow to guide you on the road to financial success.
By understanding where you and your family are today – your “Point A” – and where you want to go – your “Point B” – we map out a strategy to get there as planned. If we anticipate a detour, we proactively re-route our guidance, so you can achieve your goals safely and effectively.
Here is a brief overview of the process we follow to guide you on the road to financial success.
1. Introductory Discussion
We begin with an informal conversation to understand your financial concerns and determine how we can add value. Should we agree to move forward, we’ll schedule a meeting and request important financial information.
2. Getting To Know You
We continue the dialogue by fostering an in-depth discussion to learn what is most important to you and your family. We explore the values that shape your decisions and identify any unique circumstances. We also review the documents you’ve prepared and define your priorities.
3. Building Your Custom Roadmap
Here, we review your finances, determine the likelihood of reaching your goals and address the impact of unexpected life events. Based on our comprehensive analysis, we’ll develop and present a detailed action plan with recommendations tailored to achieve your goals.
4. Implementation
Once we activate your plan, we’ll set up a number of meetings to ensure your account is set up properly and you have convenient access to your account. We’ll also interact with your accountant and estate attorney to ensure a coordinated effort.
5. Ongoing Monitoring
We apply a strict due diligence process and set up regular calls or meetings to discuss progress towards your goals. We may recommend adjustments over time, due to changes in your life or market conditions, to help keep you on track towards achieving your goals.
Knowledge & Resource Center
We believe financial education can lead to better insights into our investment strategy and discipline, and better long-term decisions. As a result, we are committed to providing you with important information about managing your wealth more effectively in today’s global markets.
We've assembled the following tools and resources that reinforce the fundamental investment strategies and concepts of our practice. Additionally, we've provided links and hope you’ll return often to learn more about the topics that can impact your wealth.
We've assembled the following tools and resources that reinforce the fundamental investment strategies and concepts of our practice. Additionally, we've provided links and hope you’ll return often to learn more about the topics that can impact your wealth.
Financial Literacy for Any Stage of Your Life
Financial literacy means being equipped with the knowledge to make smart financial decisions during every stage of your life. No matter your current priorities, a strong financial literacy foundation can help you meet your goals.
Click Here to Learn More
Reserved Living & Giving
Reserved Living & Giving is a complimentary perks program for eligible Morgan Stanley clients1 designed to provide benefits beyond traditional wealth management services. The program provides access to one-of-a-kind experiences, discounts from popular brands, curated articles from our partners and Morgan Stanley thought leaders, and philanthropic inspiration.
Click Here to Learn More
2024 Tax Tables
2024 Federal Tax Tables to assist clients in their investment decisions.
Click Here to Learn More
Quarterly Spotlight: CD Promotion at Morgan Stanley
Click on the link below to explore Morgan Stanley's CD Promotion, it's newest rates, and why this may be a suitable option for you.
Click Here to Learn More
2024 Morgan Stanley Outlooks
Click below to view the 2024 outlooks recently released by Morgan Stanley Research. We hope you find these reports insightful and encourage you to reach out with any questions.
Click Here to Learn More
Three Investing Trends for 2024 and Beyond
Longevity, decarbonization and technology disruption could provide long-term investment opportunities.
Click Here to Learn MoreMODERN WEALTH MANAGEMENT TOOLS AND RESOURCES
Morgan Stanley's comprehensive suite of digital resources has carefully been designed to help enhance each aspect of your financial portfolio. Take some time to learn about some of the many Modern Wealth Management resources that we offer to our clients.
Morgan Stanley Online (MSO)
When you sign up for MSO, you can conveniently and securely manage your account online or on your mobile device.
Register for Morgan Stanley Online today
Morgan Stanley Mobile App
The Morgan Stanley Mobile App gives you the same capabilities as Morgan Stanley Online - all from the convenience of your own phone. It also offers features to simplify your everyday finances. These include mobile check deposit and Send Money with Zelle, a convenient way to send and receive money.
Click Here to Learn More
E-Authorization
With E-Authorization, you no longer need to sign a paper Letter of Authorization (LOA) to authorize a wire transfer request.
Click Here to Learn More
E-Sign
To use eSign, all you need is a valid email address and phone number. The personal identification number (PIN) can be delivered via phone call or via text message. Here are the steps to complete the signing process.
Click Here to Learn More
E-Delivery
eDelivery provides you with the ability to view statements and other Firm documents electronically in lieu of paper. Clients who are registered in Morgan Stanley Online may enroll in eDelivery. Currently, documents available through eDelivery include statements, trade confirmations and prospectuses, general correspondence, selected Internal Revenue Service (IRS) approved tax documents, syndicate offerings, shareholder communications, and portfolio reports.
Click Here to Learn More
Digital Vault
Keeping important documents and financial records organized and readily available is one of the best gifts you can give those you love. In the event of catastrophe or serious illness, disability or death, your Family Records Organizer can immediately provide vital, timely information to both your family and professional advisors. The Digital Vault on Morgan Stanley Online and the Mobile App allows you and your clients to build a central, shared document library where all documents are stored using encryption.
Click Here to Learn More
LifeView Intelligent Planning
LifeView is a suite of planning tools that includes goal-specific analysis that we can use with our clients to create a realistic, integrated strategy that incorporates the various aspects of an individual’s financial life, including investments and cash management needs.
LifeView provides progress-to-goals reporting and can also illustrate complex planning strategies such as methods of stock option exercise, Roth conversions and 401k early distributions.
Click Here to Learn MoreLifeView provides progress-to-goals reporting and can also illustrate complex planning strategies such as methods of stock option exercise, Roth conversions and 401k early distributions.
Total Wealth View
Complete your financial profile with Total Wealth View. By linking your external account information, you will benefit from more educated and holistic wealth planning, and convenient connectivity.
Click Here to Learn MoreLocation
340 Mount Kemble Avenue
Morristown, NJ 07960
US
Direct:
(973) 425-8554(973) 425-8554
Toll-Free:
(877) 517-8726(877) 517-8726
Meet Mount Kemble Wealth Management Group
Daniel P. O'Neill, CRPC®, CFP®
Senior Vice President, Financial Advisor, Family Wealth Director, Senior Portfolio Management Director
Phone:
(973) 425-8559(973) 425-8559
Lindsay Boitel
Associate Vice President, Financial Advisor, Financial Planning Specialist, Senior Portfolio Manager
Phone:
(973) 425-8563(973) 425-8563
Patricia Petrone
Portfolio Associate
Phone:
(973) 425-8526(973) 425-8526
Hilary Spain Reilly
Business Development Director, Wealth Management
Phone:
(973) 425-8545(973) 425-8545
Cynthia Arduino
Senior Client Service Associate
Phone:
(973) 425-8549(973) 425-8549
About Steven Goldstein
"I strongly believe that each person’s financial objectives are a subset of the values, interests, and passions that make us unique."
Steve enjoys working in close partnership with clients to solve the various pieces of their personal financial puzzle. He believes a financial plan should be as much about the individual as it is about the markets, and that intelligent planning and asset management is a very personal process.
Steve began his career at Merrill Lynch in 1981, guiding clients through numerous economic and market cycles. It is here where he met his future business partner, Dan O’Neill. Together, they established the Goldstein-O’Neill Group in 2002 and seven years later, moved to Morgan Stanley to gain access to the firm’s growing pool of resources and intellectual capital. In 2018, Steve and Dan joined forces with the Mamis/Gnall Group to form the Mount Kemble Wealth Management Group, a seasoned advisory team serving the needs of families and business owners in the New York Metro area and across the country.
Steve draws upon his deep experience to provide clients with tailored advice and customized portfolios. A graduate of Miami University in Oxford, Ohio, Steve earned the Chartered Retirement Planning Counselor® designation from the College for Financial Planning. This credential provides Steve with advanced skills and experience to help clients navigate a wide array of pre- and post- retirement issues.
Steve’s commitment to his clients is equaled only by his dedication to his family and community. He has been a longstanding supporter of youth sports. He currently serves as a board member of the Madison Area YMCA, where he also served as president of the girls’ gymnastics organization. Steve has enjoyed coaching softball and soccer in Berkeley Heights, where he and his wife, Wendi, have lived for over 20 years with their three daughters.
Steve enjoys working in close partnership with clients to solve the various pieces of their personal financial puzzle. He believes a financial plan should be as much about the individual as it is about the markets, and that intelligent planning and asset management is a very personal process.
Steve began his career at Merrill Lynch in 1981, guiding clients through numerous economic and market cycles. It is here where he met his future business partner, Dan O’Neill. Together, they established the Goldstein-O’Neill Group in 2002 and seven years later, moved to Morgan Stanley to gain access to the firm’s growing pool of resources and intellectual capital. In 2018, Steve and Dan joined forces with the Mamis/Gnall Group to form the Mount Kemble Wealth Management Group, a seasoned advisory team serving the needs of families and business owners in the New York Metro area and across the country.
Steve draws upon his deep experience to provide clients with tailored advice and customized portfolios. A graduate of Miami University in Oxford, Ohio, Steve earned the Chartered Retirement Planning Counselor® designation from the College for Financial Planning. This credential provides Steve with advanced skills and experience to help clients navigate a wide array of pre- and post- retirement issues.
Steve’s commitment to his clients is equaled only by his dedication to his family and community. He has been a longstanding supporter of youth sports. He currently serves as a board member of the Madison Area YMCA, where he also served as president of the girls’ gymnastics organization. Steve has enjoyed coaching softball and soccer in Berkeley Heights, where he and his wife, Wendi, have lived for over 20 years with their three daughters.
Securities Agent: OK, OR, PA, RI, SC, TN, TX, UT, VA, WA, VT, AR, AL, AZ, CA, CO, CT, DC, DE, FL, GA, IL, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, NC, NH, NJ, NV, NY, OH; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1288385
NMLS#: 1288385
About Daniel P. O'Neill
“If you fail to plan, you are planning to fail.” - Ben Franklin
A seasoned professional for more than 30 years, Dan is dedicated to helping families and business leaders solve their financial challenges. His results-driven approach includes the development of a tailored wealth management plan and a commitment to ongoing education and outstanding service.
Dan’s career began in 1990 as he was attending Boston University’s School of Law. While studying, Dan worked for a financial planning firm, where he was exposed to many areas of personal finance. He saw first-hand the power of providing clients with tailored, objective advice, so they can plan effectively towards achieving their goals. After earning his Juris Doctor degree, Dan joined Merrill Lynch as a Financial Advisor. In 2002, Dan and Steve Goldstein founded The Goldstein-O’Neill Group, bringing together a vast array of experience and skills for their clients. They moved to Morgan Stanley in 2009 and established The Mount Kemble Wealth Management Group.
Dan has always been committed to professional development. In addition to degrees from Boston University and Tufts University, Dan earned his Certified Financial Planner™ and Certified Retirement Planning Consultant® designations. Dan is also a Family Wealth Director at Morgan Stanley, a credential earned by less than 3% of the firm’s advisors. As a result, Dan and his team have access to an extensive range of resources needed to help families manage the complex, multigenerational challenges of significant wealth.
On a personal note, Dan and his wife, Lauren, reside in Morristown with their three adult children. Dan enjoys golf, pickleball and rooting for his favorite sports teams.
A seasoned professional for more than 30 years, Dan is dedicated to helping families and business leaders solve their financial challenges. His results-driven approach includes the development of a tailored wealth management plan and a commitment to ongoing education and outstanding service.
Dan’s career began in 1990 as he was attending Boston University’s School of Law. While studying, Dan worked for a financial planning firm, where he was exposed to many areas of personal finance. He saw first-hand the power of providing clients with tailored, objective advice, so they can plan effectively towards achieving their goals. After earning his Juris Doctor degree, Dan joined Merrill Lynch as a Financial Advisor. In 2002, Dan and Steve Goldstein founded The Goldstein-O’Neill Group, bringing together a vast array of experience and skills for their clients. They moved to Morgan Stanley in 2009 and established The Mount Kemble Wealth Management Group.
Dan has always been committed to professional development. In addition to degrees from Boston University and Tufts University, Dan earned his Certified Financial Planner™ and Certified Retirement Planning Consultant® designations. Dan is also a Family Wealth Director at Morgan Stanley, a credential earned by less than 3% of the firm’s advisors. As a result, Dan and his team have access to an extensive range of resources needed to help families manage the complex, multigenerational challenges of significant wealth.
On a personal note, Dan and his wife, Lauren, reside in Morristown with their three adult children. Dan enjoys golf, pickleball and rooting for his favorite sports teams.
Securities Agent: OH, OK, OR, PA, RI, SC, TN, TX, UT, VA, VT, WA, AR, AL, AZ, CA, CO, CT, DC, DE, FL, GA, IL, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, NC, NH, NJ, NV, NY; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1288081
NMLS#: 1288081
About Lindsay Boitel
With a passion for helping individuals and families navigate their financial journey, Lindsay brings a wealth of experience and expertise to every client interaction. Since joining Morgan Stanley in 2018, Lindsay has thrived as a second-generation financial advisor, working alongside her father and their esteemed partner, Dan O’Neill. Together, they provide a comprehensive range of financial services, specializing in financial planning, retirement planning, asset management, as well as planning for education funding.
Driven by a belief in the power of partnership, Lindsay works closely with her clients to deliver a high level of service tailored to individual needs and aspirations. Her approach is grounded in goals-based planning. Whether her clients aspire to retire comfortably, build generational wealth, or achieve other financial milestones, Lindsay is dedicated to helping them seamlessly transition from Point A to Point B.
Lindsay remains deeply connected to her Alma Mater, The College of New Jersey. In her leisure, Lindsay enjoys spending quality time with her husband, Andrew, and their beloved dog, Noodle. An avid runner, Lindsay has conquered the NYC Marathon, and enjoys experiencing new travel destinations while running. She cherishes moments with her family, finding joy and fulfillment in shared experiences and meaningful connections.
Driven by a belief in the power of partnership, Lindsay works closely with her clients to deliver a high level of service tailored to individual needs and aspirations. Her approach is grounded in goals-based planning. Whether her clients aspire to retire comfortably, build generational wealth, or achieve other financial milestones, Lindsay is dedicated to helping them seamlessly transition from Point A to Point B.
Lindsay remains deeply connected to her Alma Mater, The College of New Jersey. In her leisure, Lindsay enjoys spending quality time with her husband, Andrew, and their beloved dog, Noodle. An avid runner, Lindsay has conquered the NYC Marathon, and enjoys experiencing new travel destinations while running. She cherishes moments with her family, finding joy and fulfillment in shared experiences and meaningful connections.
Securities Agent: AL, NJ, VA, OK, WA, TX, NC, DC, GA, FL, TN, SC, LA, PA, RI, MD, MO, MN, NH, MA, OH, NY, CA, CO, AZ, DE, VT, UT, OR, NV, MS, MI, ME, KY, KS, IL, HI, CT, AR; General Securities Representative; Investment Advisor Representative
NMLS#: 1782935
AR Insurance License #: 18949986
NMLS#: 1782935
AR Insurance License #: 18949986
About Patricia Petrone
"I take pleasure in laying out the red carpet for our clients. That's just what we do."
Drawing on more than 20 years of experience, Patty is committed to providing every client with the highest level of personal service and integrity. She enjoys her daily contact with clients, helping them with a myriad of services, including completing account documentation, money transfers, IRA distributions and many other operational issues. This personal contact has provided her with many meaningful relationships over the years.
Patty began working in the financial services industry in 1989, after graduating from Fairleigh Dickinson University with a degree in marketing. She joined Steve Goldstein's team almost immediately, and worked with him until 1996, when she had her first child and transferred to a Merrill Lynch office just a few miles away. After holding a number of important positions there, she was pleased to re-join Steve in 2005 as a member of the Goldstein-O'Neill Group. Patty has earned both her Series 7 and 66 FINRA licenses.
Outside of work, Patty enjoys spending time with her son and daughter. They enjoy listening to music and going to concerts. Patty loves to drive, exploring and discovering the beauty of new places.
Drawing on more than 20 years of experience, Patty is committed to providing every client with the highest level of personal service and integrity. She enjoys her daily contact with clients, helping them with a myriad of services, including completing account documentation, money transfers, IRA distributions and many other operational issues. This personal contact has provided her with many meaningful relationships over the years.
Patty began working in the financial services industry in 1989, after graduating from Fairleigh Dickinson University with a degree in marketing. She joined Steve Goldstein's team almost immediately, and worked with him until 1996, when she had her first child and transferred to a Merrill Lynch office just a few miles away. After holding a number of important positions there, she was pleased to re-join Steve in 2005 as a member of the Goldstein-O'Neill Group. Patty has earned both her Series 7 and 66 FINRA licenses.
Outside of work, Patty enjoys spending time with her son and daughter. They enjoy listening to music and going to concerts. Patty loves to drive, exploring and discovering the beauty of new places.
About Hilary Spain Reilly
From the largest task to the smallest request, I enjoy working with clients, always focused on exceeding their expectations.
Hilary is a consummate professional, committed to identifying service solutions that deepen client relationships, while ensuring an excellent experience. As a Wealth Management Associate, she values her daily interactions with clients to assist them with achieving their financial goals. She enjoys each relationship, having worked with many families for as long as two decades.
Hilary entered the financial services industry in 1988 after graduating from Rutgers University with a B.A. degree in psychology and a minor in sociology. After spending a decade working at a Registered Investment Advisory firm, she joined Steve Goldstein at Merrill Lynch to offer portfolio management support and provide 401(k) educational resources to company employees. Her role has expanded over the years and now includes such responsibilities as compiling net worth and balance sheets for clients and facilitating rollovers from former employer-sponsored retirement plans.
Hilary resides in Denville, with her husband, Scott, their daughter and son, and their Australian Labradoodle. A big believer in having a positive attitude, Hilary loves to laugh. Favorite activities include traveling with her family, hiking and biking in Vermont, and enjoying the outdoors.
Hilary is a consummate professional, committed to identifying service solutions that deepen client relationships, while ensuring an excellent experience. As a Wealth Management Associate, she values her daily interactions with clients to assist them with achieving their financial goals. She enjoys each relationship, having worked with many families for as long as two decades.
Hilary entered the financial services industry in 1988 after graduating from Rutgers University with a B.A. degree in psychology and a minor in sociology. After spending a decade working at a Registered Investment Advisory firm, she joined Steve Goldstein at Merrill Lynch to offer portfolio management support and provide 401(k) educational resources to company employees. Her role has expanded over the years and now includes such responsibilities as compiling net worth and balance sheets for clients and facilitating rollovers from former employer-sponsored retirement plans.
Hilary resides in Denville, with her husband, Scott, their daughter and son, and their Australian Labradoodle. A big believer in having a positive attitude, Hilary loves to laugh. Favorite activities include traveling with her family, hiking and biking in Vermont, and enjoying the outdoors.
About Cynthia Arduino
As Senior Client Associate Cindy brings nearly 35 years of client service and operations experience within Morgan Stanley to our team. She provides thoughtful administrative and operational support to the clients, From onboarding new clients to maintaining existing client relationships, her proactive style and attention to detail ensures client's needs.
Cindy resides in Randolph, NJ and is very involved in local outreach to assist those less fortunate including Grow A Row, 11th Hour Rescue and Randolph Animal Shelter.
Cindy resides in Randolph, NJ and is very involved in local outreach to assist those less fortunate including Grow A Row, 11th Hour Rescue and Randolph Animal Shelter.
Contact Steven Goldstein
Contact Daniel P. O'Neill
Contact Lindsay Boitel
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
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
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
Are You Prepared for Tax Day?
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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
Donor Advised Funds: A Smart Way to Manage Your Giving
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Mosaic
Explore ideas and inspiration with captivating, original lifestyle stories created exclusively for Morgan Stanley clients.
A Change of Greenery
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Ready to start a conversation? Contact Mount Kemble Wealth Management Group today.
Certified Financial Planner Board of Standards, Inc. (CFP Board) owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™, and CFP® (with plaque design) in the United States, which it authorizes use of by individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
1Morgan 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.
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 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.
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, charitable giving, philanthropic 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.
6When 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.
7Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
8Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
9Morgan 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.
10Morgan 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.
11Morgan 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
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
1Morgan 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.
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 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.
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, charitable giving, philanthropic 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.
6When 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.
7Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
8Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
9Morgan 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.
10Morgan 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.
11Morgan 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
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)
