Sanjiv Saste, CFP®
My Mission Statement
My Story and Services
Sanjiv loves talking to people and sharing life experiences, while formulating a plan that can allow a family to achieve their financial goals. Through his experience, he has found that many people do not have a clear picture of whether they’ll be able to retire successfully. Sanjiv works with his clients extensively with the goal to develop a goal-focused financial future, so that each client can comfortably work towards the retirement lifestyle they envision.
In 30 plus years of professional life, Sanjiv has always been confident in the continued success of honesty and transparency. It may not be comfortable at times to deliver less than great news, but his clients know that he will be honest. Sanjiv often thinks about his own future, and his friends and clients ask the same question. He wants to be able to help provide clarity to them. This business is all encompassing, which he loves. In his typical reviews, the discussion revolves around finance about 10% of the time, and 90% of the time is discussing life. He believes there is nothing better than to have deep conversations with people who he cares about that have a zest for life.
Outside of the office, Sanjiv can be found spending time with his family. He has been married for 31 years to his wife Monisha, who is a Neontologist. They have a son and daughter who are both in college. Sanjiv is passionate about helping people in recovery, as well as supporting several environmental causes. Sanjiv and Monisha are also active in various children’s charities.
NMLS#: 2534492
Working with You to Create a Comprehensive Plan
No matter what stage your life is in, whether you are preparing for retirement, enjoying retirement, or somewhere in between – a comprehensive plan can help you achieve your financial goals.
Beginning with an established plan is the best step forward in the path to reach your long-term goals. In working with each client, I engage in deep and thoughtful discovery to ensure that I have a detailed understanding of your full financial picture. It is important to me to understand your long-term goals so we can create a plan designed to help you achieve them.
As circumstances in your life change – your financial goals will often change as well. Our planning process is dynamic, allowing for flexibility to adapt to changes in your life as they happen.
Utilizing the extensive planning tools that Morgan Stanley has to offer, we can develop a more focused financial future that incorporates all aspects of
your life – not only your investments.
Insights for Owners and Executives
As a business owner, you may find that there are many additional considerations in the conversation about the growth and preservation of your wealth. Many business owners face unique circumstances – and face questions that may have long term impacts on their financial picture. With an extensive background in working with business owners, I often act as a guide to help them meet the challenges that may stand between them and their goals.
Morgan Stanley provides a vast number of resources in this space. A collection of readings and resources relevant to business owners and executives can be found below.
Transform your workplace through financial well-being. From equity to retirement to college savings, our solutions help employees achieve their financial goals, so they can take your company to new heights.
Finding a Solution Unique to Your Needs
At Morgan Stanley, we have a vast array of solutions available to our clients – but we ensure our approach is tailored to each client's specific needs. We partner with you to deliver personalized solutions that are in line with your financial goals.
Taxes can be a substantial drag on investment returns. Morgan Stanley Total Tax 365 offers access to a broad range of tax\-efficient strategies to help you integrate tax planning into your investment process all year long, maximize portfolio after\-tax return potential and help keep more of what you earn.
Access tailored solutions and support to run liquidity events and manage secondary transactions with confidence.
Our Portfolio Risk Platform, backed by institutional\-caliber analytics, assesses thousands of risk factors using a holdings\-based approach to assess a portfolio's exposures, analyze how securities behave together across portfolios and forecast how they influence risk and return moving forward.
Investor Resources and Readings
The Global Investment Committee's Lisa Shalett headlines 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.
Through timely, in-depth analysis of companies, industries, markets and world economies, Morgan Stanley has earned its reputation as a leader in the field of investment research.
Perspectives on the forces shaping markets.
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