My Story

For more than 25 years Robert has taken the time to understand what matters most to his clients. To answer and ask insightful questions about where you are today and where you see yourself in the future. Robert’s priority is to build strong personal relationships with select clientele who value a commitment to a customized risk adjusted wealth strategy for them and their multigenerational family. Robert enjoys listening to his clients desires professionally, emotionally, and how they would like to frame their legacy.

Working with Robert and his team at Morgan Stanley Robert will access some of the world’s most accomplished and highly regarded investment professionals, a full spectrum of investment choices, and a world class trading and execution platform. Robert's advice is tailored in the best interest of the client.

Robert earned a bachelor’s degree from the Pennsylvania State University in State College Pennsylvania in Liberal Arts, with a stress on Philosophy and Eastern Religions. He then became a Salesman and a Manufacturer’s Representative before joining Merrill Lynch as a Financial Advisor in 1996. He joined Morgan Stanley in 2009 to utilize their extensive Consulting and Alternative Investment platform.

Robert currently resides in Manhattan with his wife Beverly. They enjoy the diversity that Manhattan offers, exploring ethnic foods, theatre, music, and select sporting events. Born and raised in New York City Robert also enjoys golfing, swimming, fishing/surfcasting, and the beach at their second home on The East End of Long Island. Robert and Beverly have a strong commitment to their large extended family’s happiness and success. They have many nieces and nephews, great nieces and nephews, expanding yearly.
Services Include
Securities Agent: WV, MA, NV, VA, TX, NY, NJ, MI, MD, GA, FL, DE, CT, CO, CA, AZ, PA; General Securities Representative; Investment Advisor Representative
NMLS#: 1268351
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*

WORKING WITH YOU

At Morgan Stanley, we believe that identifying financial solutions begins with a solid understanding of each client's situation, goals, objectives and risk tolerance. We follow a disciplined process that allows us to work with you to craft a solution that helps meet your individual needs. This process aligns our efforts with your interests, providing a road map focused on what is most important to you.
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    Step 1: Introductory Meeting
    Our relationship begins with an initial discussion aimed towards getting to know you, your lifestyle, and your future goals.
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    Step 2: Discovery Meeting
    During the discovery meeting, we will work together to establish your financial goals by reviewing your current financial situation and developing an appropriate risk tolerance that can help you achieve the financial outcome you envision for yourself.
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    Step 3: Financial Plan Presentation
    Financial plan presentations map out essential factors that play into your financial success such as your employee and employer contributions, liquidity events, and insurance coverage. Examining relevant financial information provides a holistic asset allocation analysis for your accounts helping ensure a comprehensive financial plan.
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    Step 4: Action Items / Next Steps
    After the financial plan presentation, I will follow up with you regarding your analysis and recommendations, which may include adjustments to your financial plan, investment allocation, company benefits and insurance coverage.
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    Step 5: Implementation Meeting
    The implementation meeting focuses on creating prospective strategies custom designed for your specific needs. Recommended changes could include logistics, tax impact, asset allocation adjustments, and saving/benefit modifications.
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    Step 6: Monitoring & Performance Tracking
    Finally, I will be constantly monitoring your assets and analyzing your performance tracking data seeking to ensure your financial expectations are being met and adjusted accordingly. I will keep a high degree of communication with you to make sure your concerns and requests are always addressed.

MONTHLY OUTLOOKS & UPDATES

Here at Morgan Stanley, we strive to simplify complex financial ideas so that our clients understand what is being done on their behalf to plan for their financial future. We are firm believers of giving our clients as many resources as possible so they can stay informed about the latest market trends, outlooks, and breakdowns. Morgan Stanley seeks to make complex financial ideas more digestible so that our clients understand what is being done on their behalf to plan for their financial future, and why. The links below provide detailed analysis on interesting topics that are affecting the finance and business worlds.
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    Thoughts on the Market
    With perspectives on the forces shaping the market, join Mike Wilson, Chief Investment Officer and Chief US Equity Strategist for Morgan Stanley, as he and his colleagues discuss a variety of viewpoints regarding the latest trends in the financial marketplace.
    Listen here
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    Four Standout Investment Themes for 2025
    Deglobalization, the continued evolution of AI, longevity and the future of energy could provide investment opportunities in the years ahead.
    Read Here
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    Global Investment Committee on the Markets
    A monthly publication that summarizes the Global Investment Committee’s market outlook and contains thought-provoking essays that examine the forces shaping the investment landscape. Check out this month's edition below.
    Read: "GIC on the Markets"
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    7 Political Trends Investors Should Watch in 2025
    Discover how the top policy changes coming out of Washington may affect the economy, markets and your portfolio.
    Read Here
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    GIC Weekly
    The Global Investment Committee's Lisa Shalett headlines this weekly look at markets, asset class performance and fixed income. Click the link below to read the full report.
    Read: "GIC Weekly"
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    Your Guide to Tax-Efficient Planning
    The tax decisions you make today can help you save for years to come. Consider these smart tax strategies for your financial plan. Utilizing these strategies can help you enjoy more of your nest egg.
    Learn more here

MODERN WEALTH TOOLS

We offer a comprehensive suite of tools to manage your wealth more effectively in today’s busy world. We strive to ensure we serve our clients with market-leading technology platforms that are resilient, safe, efficient, smart, fast and flexible.
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    Morgan Stanley Online (MSO)
    When you sign up for MSO, you can conveniently and securely manage your account online or on your mobile device.
    Click here to learn more
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    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.
    Click here to learn more
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    Cybersecurity
    Safeguarding your assets and personal information is among our highest priorities. Our dedicated team of cybersecurity experts is drawn from former senior professionals at government security agencies and the technology industry.
    Click here to learn more
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    E-Sign
    E-Sign is a digital, paperless alternative to the traditional means of obtaining signatures for necessary paperwork. There is no registration process to begin using E-Sign – all you need is a valid email address and phone number.
    Click here to learn more
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    E-Delivery
    E-Delivery allows you to securely save, print, send and receive documents at any time from both Morgan Stanley Online and the Morgan Stanley Mobile App.
    Click here to learn more
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    Total Wealth View
    With this service, you can view all your assets and liabilities together – whether held at Morgan Stanley or elsewhere – in one place for a comprehensive overview of your assets.
    Click here to learn more
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    LifeView Financial Goal Analysis
    Leveraging our LifeView Goal Analysis tool, we can work with you to create a personalized wealth strategy. Over time, we will adapt it to changing circumstances, helping you achieve your goals and protect what is meaningful to you.
    LifeView Goal Analysis: Sample Client Profile
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    Digital Vault
    The Digital Vault allows you to build a centralized library for all your documents using encryption.
    Click here to learn more

YOUR GUIDE TO TAX-EFFICIENT PLANNING

The tax decisions you make today can help you save for years to come. Consider these smart tax strategies for your financial plan.
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    Prepare for Tax Day
    The countdown to Tax Day has begun. Here are some steps you can take as the deadline approaches.
    Learn more here
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    Tax-Efficient Investing
    Tax-efficient investing techniques may help you lower your tax burden and increase your long-term wealth.
    Here Are Some Strategies to Consider
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    Tax Strategies for Retirement
    Taking steps to minimize the impact of taxes on your retirement portfolio can help you enjoy more of your nest egg.
    These Ideas May Help
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    Tax-Smart Giving
    Whether you want to donate to charity or invest in a loved-one’s future, there are tax‐aware ways to make your giving go further.
    Learn more here
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    2025 Federal Tax Tables
    Click the link below to view the 2025 Federal Tax Tables.
    Read More
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    How Direct Indexing Can Offer Investors Potential Tax Savings and Flexibility
    Learn more about the potential advantages of a direct indexing strategy and how it can help you meet your financial goals.
    Learn More

Client Service Team

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    Marco Rima - Business Development Associate
    Phone:
    (212) 603-6225(212) 603-6225
    Email:marco.rima@morganstanley.com
    Marco graduated Loyola Maryland with his BBA, with a focus in finance. He started his career at Morgan Stanley Wealth Management in 2017. Marco holds his Series 7 and 66 licenses. His responsibilities include trading, financial planning, research and 529 account servicing. Other responsibilities include helping clients open accounts, preparing documentation, reviewing account performance, transferring client assets, and responding to all other client inquiries. Marco is a lifelong Yankee fan.

Location

55 East 52nd Street 10th
Fl
New York, NY 10055
US
Direct:
(212) 603-6235(212) 603-6235
Toll-Free:
(800) 843-0211(800) 843-0211
Fax:
(212) 765-1057(212) 765-1057
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
4 Financially Smart Ways to Take Money Out of Retirement Accounts
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4 Financially Smart Ways to Take Money Out of Retirement Accounts

Discover how planning for required minimum distributions from retirement accounts can help you fund future needs and support loved ones.

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
2025 Global Economic Outlook: U.S. Policies May Temper Global Growth
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2025 Global Economic Outlook: U.S. Policies May Temper Global Growth

Global growth is likely to be around 3% in 2025 and 2026, as tariff and immigration policies begin to slow the U.S. economy late next year, and China's underperformance restrains emerging markets.

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
Taking Control of Your Finances After Death of a Spouse
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Taking Control of Your Finances After Death of a Spouse

Financial planning after a divorce or death can be trying, but with the right approach and the right advice you can turn a difficult situation into empowerment.

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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Financial Planning for Life After Selling a Business

Selling your business can mean big changes for your life, both personally and financially. Know how to make the most of your windfall.

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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Donor Advised Funds: A Smart Way to Manage Your Giving 

There’s more to charitable giving than you may realize. Here’s one method that may be a tax-efficient way to give and can help maximize your impact.
Ready to start a conversation? Contact Robert M Moscovitz today.
Market Information Delayed 20 Minutes
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.

For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.

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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.

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3Morgan 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

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4Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.

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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 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.

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6Municipal bonds may not be appropriate for all investors. Income generated from an investment in a municipal bond is generally exempt from federal income taxes. Some income may be subject to state and local taxes and to the federal alternative minimum tax. Capital gains, if any, are subject to tax.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) and its Financial Advisors and Private Wealth Advisors do not provide any tax/legal advice. Consult your own tax/legal advisor before making any tax or legal-related investment decisions.

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7Morgan 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.

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8Morgan 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.

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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.

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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)