Salvatore Ianniello
Planning Associate
Paul S. Schroeder, CRPC®
Senior Vice President,
Financial Advisor,
Chartered Retirement Planning Counselor
Direct:
(631) 755-1641(631) 755-1641
My Mission Statement
Working with you to help preserve and grow wealth for your long-term goals- using a world class suite of services coupled with years of experience in the industry
About Me
For me, retirement planning means more than providing our clients with investment advice- it means helping them maintain the financial independence they've worked their entire lives to achieve. With the uncertainty of Social Security benefits and the rising cost of living, it has become more important than ever to have a retirement plan in place.
By taking a proactive approach to your retirement, we can help you secure a fulfilling future for yourself and your loved ones.
With a focus on retirement, the team advises clients on both the accumulation and distribution phases of retirement planning. As clients approach retirement they are transitioned from a focus on accumulation and growth to a strategy designed to help generate income while maintaining a comfortable lifestyle.
As a husband and father of three living on Long Island, I firmly understand the challenges of balancing current and future financial goals. For over 20 years, I have worked with my clients and their families to secure their financial futures while helping them maintain their desired lifestyles. During that time, I had the honor of serving as a Morgan Stanley Branch Manager, which improved my ability to think strategically and make difficult decisions.
When you work with me, you benefit from all of my personal and professional experience, as well as all of the resources that Morgan Stanley has to offer.
By taking a proactive approach to your retirement, we can help you secure a fulfilling future for yourself and your loved ones.
With a focus on retirement, the team advises clients on both the accumulation and distribution phases of retirement planning. As clients approach retirement they are transitioned from a focus on accumulation and growth to a strategy designed to help generate income while maintaining a comfortable lifestyle.
As a husband and father of three living on Long Island, I firmly understand the challenges of balancing current and future financial goals. For over 20 years, I have worked with my clients and their families to secure their financial futures while helping them maintain their desired lifestyles. During that time, I had the honor of serving as a Morgan Stanley Branch Manager, which improved my ability to think strategically and make difficult decisions.
When you work with me, you benefit from all of my personal and professional experience, as well as all of the resources that Morgan Stanley has to offer.
Securities Agent: VA, VT, CA, AZ, HI, CO, CT, FL, GA, ID, IL, IN, MA, MD, ME, MI, NC, NH, NJ, NV, NY, OH, PA, SC, TN, TX; BM/Supervisor; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 104393
NMLS#: 104393
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Working With You
My advisory service model takes into account each client's unique needs, and helps to ensure the best chance of success in growing your finances:
Discuss
Our consultative process begins with an in-depth discussion of your current finances and future objectives.
Discover
Once I understand your goals and needs, I will help you identify new opportunities as well as potential threats to the success of your financial plan.
Deliver
Finally, I'll determine how I can help you adjust your investment strategy to make sure you remain on track to achieving your goals. The last stage of this process is ongoing, as I will be there to provide advice and recommend changes to your portfolio as your life and goals evolve over time.
The Changing Landscape of Retirement Planning
What may have once been considered a sure thing simply isn't anymore. As the number of traditional defined benefit plans with built in guaranteed income decline dramatically, Americans must increasingly rely increasingly on other investment vehicles to adequately save for retirement- which can be timely to manage and complex to optimize.
In light of these trends, I have dedicated my practice to helping individuals and couples maximize their retirement savings through careful planning and custom building strategies to help you reach your goals. My approach to retirement planning uses a combination of several tools:
In light of these trends, I have dedicated my practice to helping individuals and couples maximize their retirement savings through careful planning and custom building strategies to help you reach your goals. My approach to retirement planning uses a combination of several tools:
Goals Planning System and LifeView
As a financial advisor at Morgan Stanley, I have access to a world class suite of planning tools, including the Goals Planning System and LifeView. The Goals Planning System and LifeView platforms tie goals to implementation, leveraging intellectual capital and sophisticated institutional capabilities.
Ultimately, these platforms empower me to keep your financial objectives on target and efficient, and allow me to manage several factors which contribute to a successful retirement plan: helping reduce the impact of taxes, better manage your portfolio, preparing your future, savings for the next generation, investing for positive change, and building healthy money habits.
Ultimately, these platforms empower me to keep your financial objectives on target and efficient, and allow me to manage several factors which contribute to a successful retirement plan: helping reduce the impact of taxes, better manage your portfolio, preparing your future, savings for the next generation, investing for positive change, and building healthy money habits.
Social Security
Deciding when is the right time to start receiving social security benefits is critical to an effective retirement strategy, and there are more considerations than you may think. Some key factors to think about include:
- age
- health
- current employment
- marital status.
With proper planning and implementation, we can work together to set you up for the best chance of success in your retirement.
- age
- health
- current employment
- marital status.
With proper planning and implementation, we can work together to set you up for the best chance of success in your retirement.
Individual Retirement Account (IRA)
Traditional IRAs feature tax deferred growth potential, using the your current tax rate at the time of withdrawal . Additionally, IRAs do not tax capital gains, and taxes on dividends are not assessed.
Variable Annuities
When used together, variable annuities may reduce the risk in a retirement plan- since they have the potential to offer higher payouts than other investments, they include principal payments and income, and income from a variable annuity is guaranteed for life.
Any Questions?
If you have any questions, or think that these strategies may be right for you, let's schedule a time to discuss:
Contact MeConsulting Group Advisor- A Collaborative Relationship
As a Consulting Group Advisor, I work closely with you to choose appropriate investments based on a personalized,
guided and disciplined process, while you retain investment decision-making authority.
Customized Solutions
Strategic and tactical asset allocation advice, manager analysis and portfolio construction capabilities
Holistic Reporting
Quarterly and annual reporting that tracks investment goals across Morgan Stanley and external accounts
Exclusive Access
Separately managed accounts and exclusive firm discretionary product offerings
Trading Benefits
Cutting-edge electronic trading infrastructure and enhanced pricing due to scale
Comprehensive Due Diligence
Third-party manager due diligence, including comprehensive quantitative and qualitative tools used for all manager assessments
Optimized Charitable Giving
Tax-advantaged vehicles for charitable giving, including Donor Advised Funds such as Morgan Stanley GIFT fund
Client Service Team
Barbara Kwiatkowski - Client Services Associate
Phone:
(631) 755-1616(631) 755-1616
Email:Barbara.Kwiatkowski@morganstanley.com
Barbara is an exciting new addition to the practice: She has had an extensive career in the financial industry- having worked at UBS Financial for 19 years and transferring to work at Morgan Stanley in 2012.
Barbara lives in Bellport, NY and enjoys spending time with her loving daughter.
Barbara lives in Bellport, NY and enjoys spending time with her loving daughter.
Location
58 South Service Rd
Ste 400
Melville, NY 11747
US
Direct:
(631) 755-1641(631) 755-1641
The Power of Partnerships
By partnering with experienced individuals across wealth disciplines, Morgan Stanley Financial Advisors can align specialized resources with your custom needs and deliver strategic guidance through the familiarity and trust of existing relationships
About Salvatore Ianniello
Salvatore Ianniello is a Planning Associate at Morgan Stanley providing dedicated financial planning support to Financial Advisors and their teams. Operating as an extension of the FA/Team, he collaborates with clients to discover and define goals that matter most to them. Leveraging state of the art technology, he will evaluate various options and their potential outcomes to help clients confidently choose the appropriate course of action. Salvatore provides expertise across a wide suite of Morgan Stanley planning tools designed to assist in the areas of investment accumulation, retirement, education, major purchase, cash flow, risk management, tax efficiency, and wealth transfer planning.
He earned his undergraduate degree from Wagner College and received the Financial Planning Specialist® designation from the College for Financial Planning. Salvatore is originally from Staten Island, NY and currently resides in New York City, NY.
He earned his undergraduate degree from Wagner College and received the Financial Planning Specialist® designation from the College for Financial Planning. Salvatore is originally from Staten Island, NY and currently resides in New York City, NY.
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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Ready to start a conversation? Contact Paul S. Schroeder today.
1When 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.
2Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
3Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
4When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards 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
2Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
3Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
4When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards 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)
