River Li
My Mission Statement
My Story and Services
PERSONALIZED WEALTH PLANNING
Effective wealth planning begins with a deep understanding of your goals, values, and long-term vision. I take a comprehensive, personalized approach to your financial life – from investments and cash flow to retirement and beyond – ensuring each element works together seamlessly. By pairing advanced digital tools with tailored advice, I help you build a clear, actionable strategy that supports every stage of your financial journey.
Decisions around when and how you withdraw assets can significantly influence your financial future. We design tax-aware withdrawal strategies to help minimize liabilities, preserve wealth, and position your portfolio for long-term growth and stability.
As you approach retirement, our team partners with you to develop strategies that maintain income, enhance financial security, and give you confidence for the years ahead. Our priority is keeping you on track – before, during, and after retirement – so you can enjoy the lifestyle, you envision.
At Morgan Stanley, we take the time to understand what matters most to you. Together, we build a customized plan designed to help you pursue your goals with clarity and confidence.
LifeView is Morgan Stanley's dynamic digital planning platform, created to build customized, goal-based strategies. By connecting every aspect of your financial life – from investments to retirement – LifeView helps ensure our plan stays aligned with your long-term priorities.
INSIGHTS AND PERSPECTIVES
Making informed financial decisions starts with access to clear insights and timely information. Our investor resources are designed to break down complex market topics and deliver meaningful perspective – helping you make sense of today's environment while preparing for tomorrow's opportunities.
Each week, Lisa Shalett and the Global Investment Committee share timely commentary on market trends, asset classes, and the key forces shaping global investing.
Access in-depth analysis from Morgan Stanley thought leaders covering equities, fixed income, monetary policy, and more. This report helps you stay informed about what's driving the markets today – and what may be ahead.
Join Mike Wilson and other Morgan Stanley strategists as they discuss the latest market developments, examine emerging trends, and share actionable investor insights.
A strong understanding of tax policy is an essential part of sound financial planning. The 2025 Tax Tables offer timely updates to help you make informed decisions and stay aligned with your long-term goals.
DIGITAL INNOVATION
Digital innovation continues to reshape how we live, work, and manage our finances. Morgan Stanley's suite of digital tools is designed to simplify and elevate your financial life – helping you stay connected, well-informed, and confident in every decision you make.
Manage your investments and everyday finances in one secure, centralized platform. Morgan Stanley Online provides real-time access to account information, performance insights, and more – anytime, anywhere.
Gain a comprehensive, 360-degree view of your financial world by linking both organ Stanley and external accounts. Total Wealth View supports smarter planning, deeper insights, and more personalized guidance.
Using advanced, institutional-grade analytics, the Portfolio Risk Platform evaluates exposures, runs scenarios, and helps you better understand portfolio risk – empowering you to make more informed, forward-looking decisions.
Securely store, organize, and share essential documents – such as statements, tax filings, and authorizations – through our encrypted Digital Vault. This tool provides convenient, anytime access to critical information for both you and your Financial Advisor.
SIMPLIFYING YOUR FINANCES
At Morgan Stanley, we understand that every client and family has unique financial needs that call for thoughtful strategies and personalized guidance. Our goal is to streamline your financial life by integrating cash management and lending solutions that complement your broader investment plan and support your long-term objectives.
We provide a comprehensive suite of cash management and lending strategies designed to simplify your everyday financial decisions and align seamlessly with your investment approach.
Through your Morgan Stanley Brokerage Account, you can access our competitive Preferred Savings Program – designed to help your idle cash work harder for you while remaining easily accessible.
The CashPlus Brokerage Account delivers a modern, convenient approach to managing your finances. Enjoy seamless bill payment, fund transfers, and everyday banking benefits – all while keeping your financial world directly connected to your Morgan Stanley relationship.
Explore a range of competitive CD options that can help you grow savings with the stability and security of a fixed rate.
Borrowing can play an important role in a well-rounded financial plan. We work with ou to develop borrowing strategies tailored to your goals – helping you manage cash flow and access liquidity in a smart, strategic way.
Supporting a loved one in purchasing a home can be both meaningful and financially complex. We offer guidance and personalized solutions to help make that goal achievable while keeping it aligned with your broader financial plan.
Location
Portfolio Insights
Retirement
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
Investing
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
Family
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
Business Planning
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Philanthropy
- Endowments
- Foundations
- Donor Advised Funds
- Impact Investing
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
3Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
4Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States. Morgan Stanley Wealth Management is a business of Morgan Stanley Smith Barney LLC.
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:
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The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
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