Samuel Yam
My Mission Statement
My Story and Services
Sam brings an analytical perspective shaped by his early background in science and engineering. After beginning his career in the insurance industry, he moved into financial planning and wealth management, holding advisory and leadership roles at several major financial institutions. Prior to joining Morgan Stanley, Sam spent 18 years at J.P. Morgan Wealth Management and held leadership roles with Citigroup Global Markets Inc., HSBC Brokerage Inc., Charles Schwab & Co., Inc. and Pruco Securities Corp.
Sam’s approach is grounded in listening carefully, understanding each client’s circumstances, and helping them evaluate opportunities and challenges as their needs evolve. He has experience working with a diverse client base, including professionals, business owners and families seeking guidance before and after retirement.
Sam earned a B.S. in Chemical Engineering with honors from Pratt Institute and pursued graduate studies in Nuclear Engineering at The Pennsylvania State University. Outside of work, he enjoys spending time with his family, including his three children and three grandchildren. He also enjoys traveling, cooking, gardening, and music, with an appreciation for both American and Asian performances.
- AnnuitiesFootnote1
- Business PlanningFootnote2
- Certificates of DepositFootnote3
- Corporate Investment SolutionsFootnote4
- Financial PlanningFootnote5
- Cash Management and Lending ProductsFootnote6
- Life InsuranceFootnote7
- Long-term Care InsuranceFootnote8
- Structured ProductsFootnote9
- Wealth ManagementFootnote10
- Wealth PlanningFootnote11
- Retirement PlanningFootnote12
- Estate Planning StrategiesFootnote13
- Trust ServicesFootnote14
Personalized Solutions
At Morgan Stanley Wealth Management, access to extensive resources, combined with our unique capabilities, allows me to help support your goals at every stage of life.
I provide comprehensive wealth management that brings together investment strategy, financial planning, cash management, lending and legacy considerations. By drawing on Morgan Stanley's global resources and capabilities, I can help coordinate the many aspects of your financial life around your goals, priorities and evolving needs.
From IRAs to RMDs, I can help guide you through the complexities of your retirement plan assets, helping you transition to the next phase of life with greater confidence.
Delivering an estate to the next generation or favorite charity requires more attention than families often realize. We coordinate with your estate and tax professionals to align your legacy goals with the appropriate asset titling and beneficiary designation requirements, incorporating best practices to help enhance results.
Morgan Stanley's leading alternatives platform offers more than 200 third-party and proprietary funds, including first-look and exclusive opportunities. These investments may help qualified investors enhance returns, reduce volatility, manage taxes, and generate income while maintaining a goals-based approach to asset allocation.
Morgan Stanley Total Tax 365 offers a full spectrum of tax-efficient solutions to help mitigate the tax drag on your portfolio—so you can keep more of what you earn and improve after-tax returns.
I recognize that clients and their families have unique needs that require dedicated experience and capabilities. My goal is to help simplify your financial life with a combination of cash management and lending solutions designed to complement your investment strategy and support your financial goals.
PURSUING YOUR GOALS, TOGETHER
Managing family wealth is like running a company: You need a strategy to help manage assets and mitigate risk. By bridging the gap between wealth and investment management services, I work with business owners, founders, and executives as they pursue growth and develop thoughtful succession plans. I help manage the entire process by leveraging some of the top research and investment management resources in the industry.
Executives who receive equity compensation often face a dilemma. While the link between company performance and share price may drive their personal wealth, executives may find that their investment portfolios are overly concentrated in a single stock.
If you have poured years of your life into building a business, the time to sell may come with mixed emotions. Figuring out what comes after this significant milestone can seem daunting. I work with business owners to create a clear financial plan to help ensure the best outcome for founders, families and businesses.
As a company founder, you are working to scale your business, manage your personal wealth, and take care of your employees. Morgan Stanley offers integrated solutions that support both your own financial goals and your company's growth. Explore our capital raising, wealth planning and workplace solutions.
While building a successful family business is a remarkable accomplishment, positioning future generations to build on that foundation can be far more challenging. Many founders want to continue creating long-term wealth for their families even after their succession.
MODERN WEALTH TOOLS AND RESOURCES
Morgan Stanley's comprehensive suite of digital resources is designed to help enhance all aspects of your financial life. Learn more about some of the Modern Wealth Management Tools that we offer to our valued clients.
Morgan Stanley Online (MSO) allows you to seamlessly and securely manage your investments and everyday finances in one place.
The Morgan Stanley Mobile App gives you the same capabilities as MSO, all from the convenience of your mobile device. It also offers features to help simplify your everyday finances.
At Morgan Stanley, safeguarding your assets and personal information is among our highest priorities. Learn about our security measures and use our resources and ideas to help protect yourself online.
Digital Vault provides convenient access to your important documents, from wills and deeds to financial statements and tax filings.
eDelivery provides you with the ability to view statements and other documents electronically in lieu of paper. Clients who are registered in Morgan Stanley Online may enroll in eDelivery.
Track spending habits, categorize expenses and create budgets across your Morgan Stanley and external financial accounts with our Spending and Budgeting Tools.
TIMELY INSIGHTS FOR YOUR FINANCIAL FUTURE
Staying informed can help you make more confident financial decisions. Explore timely market perspectives, investment insights and educational resources from Morgan Stanley's leading thinkers to better understand the trends shaping your financial future.
My clients benefit from access to the intellectual capital of our Global Investment Committee, a group of leading market thinkers dedicated to providing high-quality investment insights to Wealth Management clients.
Mike Wilson, Chief Investment Officer and Chief U.S. Equity Strategist for Morgan Stanley, and his colleagues discuss a variety of perspectives on the latest trends in financial markets.
Lisa Shalett of the Global Investment Committee leads this weekly look at markets, asset class performance, and fixed income.
Detailed market commentary from Morgan Stanley's thought leaders on topics such as
global equities, fixed income, monetary policy and more.
Receive timely market insights, perspectives on macroeconomic trends, and Morgan Stanley expertise directly in your inbox each week.
Financial literacy means being equipped with the knowledge to help 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.
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.
2Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
3Investors should consider many factors before deciding which 529 plan is appropriate. Some of these factors include: the Plan’s investment options and the historical investment performance of these options, the Plan’s flexibility and features, the reputation and expertise of the Plan’s investment manager, Plan contribution limits and the federal and state tax benefits associated with an investment in the Plan. Some states, for example, offer favorable tax treatment and other benefits to their residents only if they invest in the state’s own Qualified Tuition Program. Investors should determine their home state’s tax treatment of 529 plans when considering whether to choose an in-state or out-of-state plan. Investors should consult with their tax or legal advisor before investing in any 529 Plan or contact their state tax division for more information. Morgan Stanley Smith Barney LLC does not provide tax and/or legal advice. Investors should review a Program Disclosure Statement, which contains more information on investment options, risk factors, fees and expenses and possible tax consequences.
4Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
5Morgan Stanley 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.
6Morgan 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
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.
9Structured Investments are complex and not appropriate for all investors. An investment in structured investments involves risks. These risks can include but are not limited to: fluctuations in the price, level or yield of underlying asset(s), interest rates, currency values and credit quality, substantial loss of principal, limits on participation in appreciation of underlying asset(s), limited liquidity, credit risk, and/or conflicts of interest. Many structured investments do not pay interest or guarantee a return above principal at maturity. Investors should read the security’s offering documentation prior to making an investment decision.
10Morgan 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.
11Morgan 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.
12When 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.
13Morgan 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.
14Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.
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 and other legal matters.
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