Steven Eggers, CFP®
Senior Vice President, Wealth Management,
Financial Advisor
Direct:
(650) 496-4257(650) 496-4257
Toll-Free:
(800) 388-4930(800) 388-4930
My Mission Statement
Helping executives maximize their compensation packages, with integrated financial plans that help them retire with confidence.
Welcome
Many high-performing senior executives, particularly in Fortune 500 companies, have earned substantial wealth, both in salary and in assets accumulated in their overall compensation packages. However, these assets can be complex and highly detailed, and many have not integrated them into an overall wealth management strategy. Many are just too busy. Others may not have fully analyzed all the subtleties and nuances of their total compensation package. I work extensively with senior executives with complex compensation packages, creating financial plans that reflect your total compensation. You may benefit from my experience regarding stock compensation, deferred compensation, pension planning and many other topics.As an executive, you know the importance of an intelligent, strategic plan to help reach specific goals and targets. I provide the same thinking to your personal finances, helping you make wise choices and achieving the success you’ve worked hard for.
Services Include
- Executive Benefit ServicesFootnote1
- Wealth ManagementFootnote2
- Financial PlanningFootnote3
- Professional Portfolio ManagementFootnote4
- 401(k) Rollovers
- Estate Planning StrategiesFootnote5
- Fixed IncomeFootnote6
- Philanthropic Services
- Retirement PlanningFootnote7
- Sustainable InvestingFootnote8
- Trust AccountsFootnote9
- Stock Option PlansFootnote10
Securities Agent: UT, ID, NJ, HI, VA, NM, LA, CO, IL, OH, AK, DC, OK, NY, GA, FL, CA, WA, ME, MA, MT, AZ, TX, NH; General Securities Representative; Investment Advisor Representative
NMLS#: 1265004
NMLS#: 1265004
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Steven R. Eggers
Senior Vice President, Wealth Management
CERTIFIED FINANCIAL PLANNER™ TM
Financial Advisor
Steve works with senior executives to help them integrate their compensation packages into a comprehensive wealth management plan. His holistic approach helps clients achieve their goals by managing both sides of their personal balance sheets.
As one of only several advisors in our branch hand-picked to participate in the Chevron Financial Counseling Program, Steve understands the complexities of your executive compensation. More than 80% of Steve’s clients are executives wrestling with decisions about their pensions, tax strategies, stock options and deferred compensation.
Steve is a graduate of San Jose State University, where he earned a B.S. in Business. He also holds the prestigious CERTIFIED FINANCIAL PLANNER™ designation, the industry’s gold standard for comprehensive financial planning that requires hundreds of hours of classroom time, ongoing re-certification and adherence to high ethical standards.
Steve lives with his wife and three daughters in San Jose, CA. He coaches youth soccer and spends his free time with his family, enjoying skiing, hiking and being outdoors.
Senior Vice President, Wealth Management
CERTIFIED FINANCIAL PLANNER™ TM
Financial Advisor
Steve works with senior executives to help them integrate their compensation packages into a comprehensive wealth management plan. His holistic approach helps clients achieve their goals by managing both sides of their personal balance sheets.
As one of only several advisors in our branch hand-picked to participate in the Chevron Financial Counseling Program, Steve understands the complexities of your executive compensation. More than 80% of Steve’s clients are executives wrestling with decisions about their pensions, tax strategies, stock options and deferred compensation.
Steve is a graduate of San Jose State University, where he earned a B.S. in Business. He also holds the prestigious CERTIFIED FINANCIAL PLANNER™ designation, the industry’s gold standard for comprehensive financial planning that requires hundreds of hours of classroom time, ongoing re-certification and adherence to high ethical standards.
Steve lives with his wife and three daughters in San Jose, CA. He coaches youth soccer and spends his free time with his family, enjoying skiing, hiking and being outdoors.
Executive compensation packages often include complex financial instruments that require the recipient to make decisions about how best to manage their benefit. Many of these decisions are not intuitive and, in any case, are best integrated into an overall financial plan.
I am part of a team selected to provide advice and counsel as part of the Chevron Financial Counseling Program. These are some of the most common questions I help executives answer to maximize the value of their packages:
When and how should I take my pension?
This is one of the most common questions, and there are many factors to consider. I can help you decide whether to take a lump sum or an annuity, understand how pension discounting and interest rates can affect your choice, and build a retirement plan around your pension.
When should I exercise my stock options?
There is no hard and fast answer to this question – it is important to consider the value of your stock options as part of a holistic wealth management plan. I provide goal-based financial planning that provides context and direction for exercising your stock options.
What about deferred compensation?
Deferred compensation often has tax implications, cash flow questions and a variety of other issues. I help you use your deferred compensation in service of your personal and financial goals.
When should I consider retirement?
One way to answer this question is to start with your objectives and work backward. As part of our process, I work with you to establish goals for education planning, legacy planning, health care, cash flow, as well as your “wish list” items.
Am I doing the right things now?
Busy executives often are so focused on their careers, they don’t have time to create and manage a comprehensive wealth management plan. I work with you to establish your objectives, then provide thoughtful advice and goal-based, customized recommendations.
I am part of a team selected to provide advice and counsel as part of the Chevron Financial Counseling Program. These are some of the most common questions I help executives answer to maximize the value of their packages:
When and how should I take my pension?
This is one of the most common questions, and there are many factors to consider. I can help you decide whether to take a lump sum or an annuity, understand how pension discounting and interest rates can affect your choice, and build a retirement plan around your pension.
When should I exercise my stock options?
There is no hard and fast answer to this question – it is important to consider the value of your stock options as part of a holistic wealth management plan. I provide goal-based financial planning that provides context and direction for exercising your stock options.
What about deferred compensation?
Deferred compensation often has tax implications, cash flow questions and a variety of other issues. I help you use your deferred compensation in service of your personal and financial goals.
When should I consider retirement?
One way to answer this question is to start with your objectives and work backward. As part of our process, I work with you to establish goals for education planning, legacy planning, health care, cash flow, as well as your “wish list” items.
Am I doing the right things now?
Busy executives often are so focused on their careers, they don’t have time to create and manage a comprehensive wealth management plan. I work with you to establish your objectives, then provide thoughtful advice and goal-based, customized recommendations.
As a benefit for high-level executives, Chevron has partnered with the Palo Alto Group at Morgan Stanley to help you develop a pathway to reach your financial goals and find financial success.
Our team is familiar with the details of Chevron’s executive compensation. We receive regular program updates, and routinely advise participants on crucial issues related to the LTIP, CRP, RRP, DCP and ESIP.
As a member of the Palo Alto Group at Morgan Stanley, I work with you to create a comprehensive wealth management plan, via a five step process:
Step 1: Discovery
Begin with an open and detailed conversation to learn about your goals. Review your current assets and liabilities.
Step 2: Analysis
Once we understand your goals, we will analyze your current and future financial situation, and address potential shortfalls.
Step 3: Recommendations
Armed with our understanding of you, we create a customized plan to help you achieve your goals.
Step 4: Implementation
We draft a comprehensive financial plan outlining your financial roadmap and execute the plan on your approval.
Step 5: Review
We have an ongoing commitment to monitor your progress and recommend adjustments for changing times.
Our team is familiar with the details of Chevron’s executive compensation. We receive regular program updates, and routinely advise participants on crucial issues related to the LTIP, CRP, RRP, DCP and ESIP.
As a member of the Palo Alto Group at Morgan Stanley, I work with you to create a comprehensive wealth management plan, via a five step process:
Step 1: Discovery
Begin with an open and detailed conversation to learn about your goals. Review your current assets and liabilities.
Step 2: Analysis
Once we understand your goals, we will analyze your current and future financial situation, and address potential shortfalls.
Step 3: Recommendations
Armed with our understanding of you, we create a customized plan to help you achieve your goals.
Step 4: Implementation
We draft a comprehensive financial plan outlining your financial roadmap and execute the plan on your approval.
Step 5: Review
We have an ongoing commitment to monitor your progress and recommend adjustments for changing times.
Location
1400 Page Mill Road
Palo Alto, CA 94304
US
Direct:
(650) 496-4257(650) 496-4257
Toll-Free:
(800) 388-4930(800) 388-4930
Fax:
(650) 493-6647(650) 493-6647
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
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
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
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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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
Article Image
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.
Ready to start a conversation? Contact Steven Eggers today.
Certified Financial Planner Board of Standards, Inc. (CFP Board) owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™, and CFP® (with plaque design) in the United States, which it authorizes use of by individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
1When 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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
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’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be appropriate for you. Please see the Morgan Stanley Smith Barney LLC program disclosure brochure (the “Morgan Stanley ADV”) for more information in the investment advisory programs available. The Morgan Stanley ADV is available at www.morganstanley.com/ADV.
5Morgan 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.
6Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
7When 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.
8The returns on a portfolio consisting primarily of Environmental, Social and Governance (“ESG”) aware investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because ESG criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Diversification does not guarantee a profit or protect against loss in a declining financial market.
9Morgan 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.
10Morgan 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.
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
1When 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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
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’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be appropriate for you. Please see the Morgan Stanley Smith Barney LLC program disclosure brochure (the “Morgan Stanley ADV”) for more information in the investment advisory programs available. The Morgan Stanley ADV is available at www.morganstanley.com/ADV.
5Morgan 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.
6Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
7When 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.
8The returns on a portfolio consisting primarily of Environmental, Social and Governance (“ESG”) aware investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because ESG criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Diversification does not guarantee a profit or protect against loss in a declining financial market.
9Morgan 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.
10Morgan 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.
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)
