Kathleen Kowlessar
Associate Private Banker
Susan E Palmer
Senior Vice President,
Financial Advisor,
Senior Portfolio Manager,
Financial Planning Specialist,
Family Wealth Advisor
Direct:
(631) 548-4008(631) 548-4008
Toll-Free:
(800) 233-9195(800) 233-9195
My Mission Statement
Experienced wealth management team dedicated to providing boutique advisory services tailored and managed for each client's unique objectives and risk constraints.
About Us
Susan and her team have the privilege of managing money for successful families and business owners. They work together in an effort to make smart financial decisions regarding their client's wealth management. The goal is to help them maximize their probability for financial success to build & maintain their wealth. Susan also believes in lending her voice to important issues both internally and externally to Morgan Stanley.
Susan has served as Treasurer and Board Member for the Mattituck Laurel Library, VP of Mattituck-Laurel Civic Association, and Rear Commodore of the Mattituck Yacht Club. She is also passionate about advocating and mentoring women and was a founding member and First President of LIFT: Women in Wealth at Morgan Stanley. Susan graduated with a B.A. in Sociology from SUNY at Stony Brook and stays dedicated to the education of others through a corporate partnership with Stony Brook. Outside of the office Susan and her husband, Carll Austin, live in Laurel on the North Fork of Long Island, where they have raised their four children, Charles, Chris, Clay, and Caty. Away from the office, Susan's interests are sailing and skiing with her family and enjoying her home on the Peconic Bay.
Experience:
-EF Hutton - Morgan Stanley*
-Portfolio Manager
-First Vice President
-Financial Advisor
-Financial Planning Specialist
-Retirement Planning Specialist
-30 Years of Dedicated Service - Smith Barney
-35 Years of Dedicated Service-Morgan Stanley
-Past Blue Chip Club Member- EF Hutton
Series 7, NYSE/NASD General Securities
Representative, Commodity & Insurance Licensed
Susan has served as Treasurer and Board Member for the Mattituck Laurel Library, VP of Mattituck-Laurel Civic Association, and Rear Commodore of the Mattituck Yacht Club. She is also passionate about advocating and mentoring women and was a founding member and First President of LIFT: Women in Wealth at Morgan Stanley. Susan graduated with a B.A. in Sociology from SUNY at Stony Brook and stays dedicated to the education of others through a corporate partnership with Stony Brook. Outside of the office Susan and her husband, Carll Austin, live in Laurel on the North Fork of Long Island, where they have raised their four children, Charles, Chris, Clay, and Caty. Away from the office, Susan's interests are sailing and skiing with her family and enjoying her home on the Peconic Bay.
Experience:
-EF Hutton - Morgan Stanley*
-Portfolio Manager
-First Vice President
-Financial Advisor
-Financial Planning Specialist
-Retirement Planning Specialist
-30 Years of Dedicated Service - Smith Barney
-35 Years of Dedicated Service-Morgan Stanley
-Past Blue Chip Club Member- EF Hutton
Series 7, NYSE/NASD General Securities
Representative, Commodity & Insurance Licensed
Services Include
Securities Agent: TX, MN, MI, CA, WA, SC, RI, GA, NC, DE, NV, MD, CT, CO, OK, ME, NY, NH, MA, ID, AZ, PA, NM, NJ, FL, DC, VA; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 1312848
NMLS#: 1312848
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
My Planning Process
My process begins with you, your investment objectives and your financial goals. My approach is holistic and encompasses all the elements of your financial life. I will work closely with you to create a tailored strategy to get you there.
Discovery
I take the time to fully evaluate and understand the financial goals of you and your family. Whatever the situation, planning for retirement, looking for tax efficiencies, and defending your estate. I consider all of your needs, wants, and desires when building your financial plan. To do this, I need to understand what is most important to you.
Evaluation & Implementation
Using our institutional risk management framework to assess current assets and risk exposures, I will begin to construct a financial plan that resembles the vision you shared with me in discovery. Then, with your approval, we begin to implement the plan.
Communication
To ensure a personalized experience, I customize a communication plan that takes into account your preferences. The truth is, life throws curve balls and so do the markets, that's why I continuously communicate and work closely with each client.
Ongoing Review
Lastly, we meet regularly to ensure your plan and goals remains current and look at the progress made towards achieving your goals.
LifeView Financial Goal Analysis
Through the use of the LifeView Goal Analysis tool, I will work with you to create a personalized financial plan. Over time, I will adapt it to changing circumstances, helping you achieve your goals and protect what is meaningful to you.
Click Here to Learn More
Portfolio Risk Platform
Morgan Stanley's Portfolio Risk Platform is powered by BlackRock's state-of-the-art Aladdin risk engine. It provides you with comprehensive risk analytics and a sophisticated view across your financial portfolios. This helpful tool can assist you in making educated investment decisions with increased confidence.
Click Here to Learn More
Susan accepting award honoring Morgan Stanley as Stony Brook’s Corporate Partner of the Year!
Investor Resources
Our comprehensive suite of digital tools are designed to help enhance every aspect of your financial life. Below are a few of the technologies we offer to our clients. I have also included resources meant to transform complex financial analysis and research.
Morgan Stanley Online
Your investments and everyday finances are always just a few clicks away with Morgan Stanley Online (MSO) and the Morgan Stanley Mobile App.
Click Here to Learn More
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.
Click Here to Learn More
Digital Vault
Digital Vault allows you to easily manage and share your important documents. All files are scanned for viruses and malware, and are encrypted while transferred and stored. Access is limited to you and anyone you designate.
Click Here to Learn More
Data Security
At Morgan Stanley, our highest priority is keeping your information protected. Morgan Stanley dedicates significant resources to protecting your assets and personal information.
Click Here to Learn More
GIC Weekly Research Report
The Global Investment Committee's Lisa Shalett headlines this weekly look at markets, asset class performance and fixed income.
Click Here for the "GIC Weekly"
On The Markets Research Report
Detailed market commentary from Morgan Stanley's thought leaders on topics such as global equities, fixed income, monetary policy and more.
Click Here for the "On The Markets"
Morgan Stanley Ideas Podcast
The Morgan Stanley Ideas Podcast brings you revealing stories about the world of business, finance, technology and beyond.
Click Here for the Latest Episode
Thoughts On The Market Podcast
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.
Click Here for the Latest EpisodeClient Service Team
Lauren Parisen - Registered Client Service Associate
Phone:
(631) 548-4037(631) 548-4037
Email:lauren.parisen@morganstanley.com
Lauren started in the Financial Industry in 2001 as a Client Service Associate. She moved into Operations as an Associate Director for about 9 years and in 2015, back to Registered Service Associate. Through these years, Lauren acquired several FINRA licenses along with Life, Health & Variable Annuity insurance. In early 2019, she left the industry for personal reasons. During this time, she worked with a local Independent Insurance Agent and subsequently got her Property and Casualty Insurance license. In December 2021, Lauren came back to the Financial Industry to work for Morgan Stanley as a Registered Client Service Associate. Lauren graduated from Southern Connecticut State University in New Haven with a B.S. in Education. Lauren is married and living in Hampton Bays. She met her husband Rich, on the golf course. In her free time they enjoy playing golf together as often as possible and if not, trying to get out to go fishing in Shinnecock and Tiana bays on the South Fork. Lauren has a wonderful step-daughter, Kirsten, who lives in Florida with her family.
Location
611 E Main St
Riverhead, NY 11901
US
Direct:
(631) 548-4008(631) 548-4008
Toll-Free:
(800) 233-9195(800) 233-9195
Fax:
(631) 727-8172(631) 727-8172
The Power of Partnerships
By partnering with experienced individuals across wealth disciplines, Morgan Stanley Financial Advisors can align specialized resources with your custom needs and deliver strategic guidance through the familiarity and trust of existing relationships
About Kathleen Kowlessar
Kathleen Kowlessar is an Associate Private Banker serving Morgan Stanley Wealth Management offices in New York.
Associate Private Bankers partner with Private Bankers and Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Kathleen began her career in financial services in 2013, and joined Morgan Stanley in 2022. Prior to joining the firm, she was a Store Manager at the TD Bank.
Kathleen is a graduate of the Zicklin School of Business, Baruch College, where she received a Master of Science in Finance and a Bachelor of Business Administration in Business Management. She lives in Garden City, New York with her family. Outside of the office, Kathleen enjoys spending time with her family, cooking and trying new foods.
Associate Private Bankers partner with Private Bankers and Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Kathleen began her career in financial services in 2013, and joined Morgan Stanley in 2022. Prior to joining the firm, she was a Store Manager at the TD Bank.
Kathleen is a graduate of the Zicklin School of Business, Baruch College, where she received a Master of Science in Finance and a Bachelor of Business Administration in Business Management. She lives in Garden City, New York with her family. Outside of the office, Kathleen enjoys spending time with her family, cooking and trying new foods.
NMLS#: 1037493
Wealth Management
From My Desk
You?re Ready for Retirement. Is Your Portfolio?
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
A Simple Six-Step Retirement Checkup
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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
Tax-Smart Ways to Sell Securities
How investors can tap their portfolios in tax-savvy ways.
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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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
Article Image
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
Ready to start a conversation? Contact Susan E Palmer today.
1Morgan 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.
2Morgan 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.
3When 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.
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, charitable giving, philanthropic planning and other legal matters.
5Morgan 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.
6Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
7Morgan 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
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
2Morgan 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.
3When 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.
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, charitable giving, philanthropic planning and other legal matters.
5Morgan 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.
6Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
7Morgan 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
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)
