Helene Wollstein
Wealth Management Associate
Phone:
(770) 664-3329(770) 664-3329
Steve Malone, CRPC®
Financial Advisor,
Senior Vice President,
Portfolio Manager,
Workplace Advisor – Equity Compensation
Direct:
(770) 664-3346(770) 664-3346
My Mission Statement
My mission is to serve you and your family as the center of your financial world, turning complexity into clarity, and helping to preserve your wealth.
My Story and Services
Steve Malone is a 49-year industry veteran and Senior Vice President. Steve began his career at Merrill Lynch in 1976, and over the years has assumed many roles, including management, before joining Morgan Stanley in 2017. His mission is to understand each client's individual needs and work with each client towards achieving his/her financial goals. Steve also works with clients to prepare for life events such as retirement and generational wealth transfer. He has earned the Chartered Retirement Planning Counselor (CRPC®) designation from the College for Financial Planning, and is a Senior Portfolio Manager.
Steve grew up in Washington, DC, but spent much of his youth with his grandparents in the Bahamas. A technical dive master and overall ocean enthusiast, Steve enjoys traveling anywhere he can find water, especially the Caribbean. His commitment to the sea also includes sailing both for racing and leisure. Steve currently has a 2nd degree Black Belt in the American Taekwondo Association.
He is a cum laude graduate from Oglethorpe University in Atlanta, Georgia. Steve is a member of Thornwell Jacobs Society, James Edward Oglethorpe Circle, and Omicron Delta Kappa (previously known as "The Boar's Head Society" at Oglethorpe University), an academic honor society. He was a Trustee on their board for over 15 years.
Steve grew up in Washington, DC, but spent much of his youth with his grandparents in the Bahamas. A technical dive master and overall ocean enthusiast, Steve enjoys traveling anywhere he can find water, especially the Caribbean. His commitment to the sea also includes sailing both for racing and leisure. Steve currently has a 2nd degree Black Belt in the American Taekwondo Association.
He is a cum laude graduate from Oglethorpe University in Atlanta, Georgia. Steve is a member of Thornwell Jacobs Society, James Edward Oglethorpe Circle, and Omicron Delta Kappa (previously known as "The Boar's Head Society" at Oglethorpe University), an academic honor society. He was a Trustee on their board for over 15 years.
Securities Agent: CO, IL, NJ, MS, MA, KS, CT, AL, DE, IA, FL, CA, WA, RI, PA, LA, OK, MT, MN, ID, AZ, TX, GA, WV, OR, NM, NC, MI, IN, VA, SC, OH, NE, ND, MD, NY, MO, HI, AR, WI, UT, TN, KY; BM/Supervisor; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 544956
NMLS#: 544956
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Morgan Stanley's goal is simple: “To be the firm with some of the most talented advisors in the industry, leverage cutting-edge technology, and deliver customized wealth management solutions to clients and their families to help them to achieve their life goals.” The Firm strives to ensure it serves clients on its technology platforms that are resilient, safe, efficient, smart, fast, and flexible.
Morgan Stanley Online
Morgan Stanley Online (MSO) has a variety of features beyond viewing your account balance and activity that you should take advantage of. MSO offers a streamlined view of your assets and liabilities, current financial news, and more.
Learn More about Morgan Stanley Online
Total Wealth View
Complete your financial picture with Total Wealth View. By linking your account information, you will benefit from more informed wealth planning, more secure data access, and convenient connectivity.
Learn More about Total Wealth View
Goals Based Planning
Working with us, paired with our technology, is a great way to access advice and build a wealth plan. Read more about the advantages of working with our planning technology in reaching your financial goals.
Learn More about Planning Options
2024 Income Tax Table
The Internal Revenue Service (IRS) has released adjustments to tax brackets for 2024, adding thousands of dollars to most marginal tax brackets, and potentially protecting more of your income from taxes next year.
View Income Tax TablesProfessional Portfolio Management
There comes a point when managing one's assets turns into a full-time job. As your life evolves and grows more complex, your financial strategy- and the options for implementing that strategy- tends to grow in complexity as well. In such circumstances, it makes sense to work with an experienced professional who understands your financial needs and can dedicate the time and resources necessary to help you meet them.
Steve and team work closely with you to understand your needs while maintaining the focus and commitment necessary to guide your portfolio in the most challenging market cycles. Outlined below is the disciplined four-step investment process, which underpins the client-tailored portfolio management and helps develop a long-term perspective about helping build and manage wealth.
Steve and team work closely with you to understand your needs while maintaining the focus and commitment necessary to guide your portfolio in the most challenging market cycles. Outlined below is the disciplined four-step investment process, which underpins the client-tailored portfolio management and helps develop a long-term perspective about helping build and manage wealth.
1.) Establish Financial Objectives
We begin our process by working with you to establish a realistic set of objectives based on your financial goals, time horizon, liquidity needs and tolerance to volatility and risk.
2.) Define Investment Strategy
Once we have a firm understanding of your objectives, we develop an investment strategy designed to help produce optimal portfolio performance: the highest return potential consistent with the strategy's level of risk.
3.) Evaluate and Select Investments
Our goal is to construct a plan which encompasses virtually every important detail of your life. Leveraging the global resources of Morgan Stanley, we begin selecting investments to implement your personal strategy.
4.) Ongoing Review Process
We meet regularly to make sure your plan remains current and to review your progress. We track your portfolio's performance relative to your stated objectives- and modify the portfolio on a discretionary basis as your needs and circumstances change overtime.
Your goals, hopes and dreams are at the center of our work. That’s why we’ll plan to meet with you at length when you first begin working with us. We’ll ask smart questions and listen to what you say matters. Once we fully understand your situation, we’ll suggest ways to put your money to work.
Working with us, you can expect us to:
• Develop a comprehensive financial strategy based on your individual needs and goals
• Substitute discipline for emotion in the investment process
• Review performance and track progress to meet your goals
• Adjust your holdings in response to new opportunities and risks
• Be flexible. When changes come to your life, or in the market, we’ll tweak your financial strategy
• Maintain strict financial objectivity
• Ongoing service and care with personalized attention and communication throughout
• Substitute discipline for emotion in the investment process
• Review performance and track progress to meet your goals
• Adjust your holdings in response to new opportunities and risks
• Be flexible. When changes come to your life, or in the market, we’ll tweak your financial strategy
• Maintain strict financial objectivity
• Ongoing service and care with personalized attention and communication throughout
Some of our work is best coordinated with your other key advisors. If you like, we can connect directly with your:
• Tax specialist
• Trust attorney
• Insurance professional
• Family office
• Trust attorney
• Insurance professional
• Family office
Investor Education
Methods to Bolster Your Finances for Any Environment
The economy invariably expands and slows. It's a fact of life. Fortunately, there are steps you can take as uncertainty rises. Consider these five preemptive strategies that may help protect your finances in a recession.
Read the five methods here
Reserved Living & Giving
Save on travel, dining, holiday gifts and more with Morgan Stanley's Reserved Living and Giving program.
Learn about the benefits
Maintain Good Cybersecurity Habits
Safeguarding your assets and personal information is one of my top priorities, but you have a vital role to play. Read these rules of thumb to improve your personal cybersecurity and help you avoid becoming a victim of cybercrime.
Read the habits here
Donor Advised Funds (DAF)
A tax-efficient way to donate more complex assets, simplify reporting, and maintain control over the amounts and timing of your charitable contributions. Bring philanthropy into your wealth plan and amplify the impact of your giving through the Morgan Stanley Global Impact Funding Trust (MS GIFT).
MS GIFT
Rational Investing in Uncertainty
In our modern times, with more accessibility than ever to nearly any information imaginable, uncertainty, fear, and paranoia are common. It's easy to make decisions based on emotions or speculative grounds. Protect yourself with information.
Read more hereLocation
2400 Lakeview Pkwy
Suite 300
Alpharetta, GA 30009
US
Direct:
(770) 664-3346(770) 664-3346
Meet My Team
About Helene Wollstein
Helene Wollstein has more than 45 years of industry experience. She is responsible for managing the operations and client experience for our clients. She is focused on working directly with clients to provide individuals with excellent service, follow up, and satisfaction. She addresses the complexities of managing multiple accounts, planning reports and updates, and the services High Net Worth clients require and deserve.
Helene began her career at Merrill Lynch in 1978. She began working with Steve in 1980 and moved to Morgan Stanley with him in summer of 2017. She has her Series 7, Series 63, Series 65, and GA Insurance License. Additionally, she is a notary public.
Helene is originally from Rome, Georgia where she grew up with her 11 siblings. She enjoys reading, traveling, especially to beaches here and abroad, and most any opportunity to visit Europe or South America.
Helene began her career at Merrill Lynch in 1978. She began working with Steve in 1980 and moved to Morgan Stanley with him in summer of 2017. She has her Series 7, Series 63, Series 65, and GA Insurance License. Additionally, she is a notary public.
Helene is originally from Rome, Georgia where she grew up with her 11 siblings. She enjoys reading, traveling, especially to beaches here and abroad, and most any opportunity to visit Europe or South America.
Wealth Management
From My Desk
529 Plans: A Powerful Tool to Save for Education
Wealth Management
Global Investment Office
Portfolio Insights
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
529 Plans: A Powerful Tool to Save for Education
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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
The Robots are Coming
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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
Financial Wellness
Enhancing Financial Wellness enables your workforce to do their best work. Companies that invest in financial wellness have an opportunity to:
- Reduce employee stress,
- Improve retention and engagement, and
- Set themselves apart by offering comprehensive financial wellness benefits.
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
A Simple Six-Step Retirement Checkup
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Ready to start a conversation? Contact Steve Malone today.
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.
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.
4Morgan 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.
5Morgan 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.
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
7Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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
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.
4Morgan 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.
5Morgan 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.
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
7Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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)
