The Costa Civitillo Silberman Group at Morgan Stanley

Over 50 years ago, I was fortunate enough to accidentally fall into a profession that matched my skill set. Every day, I work with clients, many of whom start their stories with "way back when." I’ve been there when they married, had children, and grandchildren, and now, as they retire. My goal is to someday be an advisor to their great-grandchildren. I’m a part of their extended family, as they are of mine.

The profession is exciting. Every day is different, with something new to learn—whether it's the first pocket calculator or the computer we hold in our hands. From the embryonic industry of biotechnology and the advent of the internet to the expansion of space travel and the companies that nurtured these innovations—I’ve seen it all. And there is still more to come with the emergence of AI and, dare I say, self-driving electric cars.

For relaxation, my wife and I participate in 1,000-mile vintage car rallies once or twice a year, driving a car from a small collection I own and maintain. My daughter and two grandchildren are car enthusiasts as well. Currently, my grandson and I are restoring a 1953 MG TD. I also play competitive softball, squash, and racquetball.

To steal a quote from the Grateful Dead, "What a long, strange trip it’s been," and dare I add, "Still so much to go.”

Anthony Civitillo, CFP^® is a Financial Advisor in the Morgan Stanley Paramus, New Jersey office. Anthony concentrates on helping high net worth families and small business owners obtain their financial goals by creating customized investment plans tailored to fit the needs of each individual client. Anthony employs a three step financial planning process. First, he diligently analyzes his client's current investment structure and asset allocation. Second, he spends a great deal of time learning about his client's family structure, retirement income needs and legacy plans. Third, he creates a plan to bridge the gap between where clients are and where they want to be. He stresses an open and ongoing dialogue with clients to ensure that any changes in the client's current or future situation are reflected in the financial plan.

Prior to joining Morgan Stanley, Anthony worked at UBS Financial Services as a client associate to one of the biggest producing partnerships at the firm. He then went on to Merrill Lynch where he became a financial advisor. Working for and with some of the top advisors in the industry has given Anthony an extensive knowledge of the financial markets, economic conditions, and investment strategies. He graduated from Iona College in 2007 with a B.A. in Finance.

In his personal time, Anthony enjoys spending quality time with his wife Kirah and their son Derrick, traveling, and golfing.

Susan likes to joke that numbers run in her veins. The daughter of a CPA father and a Math Major and Educator mother, she thought a career in finance was a natural fit - until she almost failed accounting in college! All that changed 20+ years ago, when she realized her other mathematical strengths and analytical skills were what mattered for a career as a Financial Advisor.

Susan guides her clients, using the power of financial planning, to help them build wealth – and security – through market fluctuations great and small. Additionally, as a Chartered Retirement Plans Specialist, she leverages Retirement plans, both Corporate and Individual, as an overall anchor for achieving their financial goals.

In addition to the financial education she provides her clients and their families, she loves sharing her knowledge of finance by presenting to groups. Over the years, she’s been invited to speak to women’s groups, mid - and senior - level executives, CPAs, medical associations, retired union professionals, and has taught an adult education class on the Basics of Investing at a local college. When working for Morgan Stanley’s predecessor, Citi-Smith Barney, Susan had an excerpt she wrote on financial planning for college selected to be included in a money guidebook published by Citi.

Outside of work, Susan volunteers her time having served as an officer on two separate Co-op boards as well as on her children’s school PTA. She’s an avid swimmer, loves doing crossword puzzles, word games and simply enjoying her family and teaching her rabbit new tricks.

Rachel is a Client Service Associate with The Costa Civitillo Silberman Group. She specializes in the team’s administrative work. She truly cares about our clients and works hard to help them simplify and manage aspects of their financial life. She strives to provide every client we serve with excellent customer experience.

Rachel enhances new and existing client relationships through communication, processing client requests, resolving inquiries, and making sure key information and documentation remains current. She keeps an eye on each administrative detail and resolves any issues that need to be addressed.

Rachel graduated from Montclair State University in 2006 with a B.A. in elementary education. She is Series 7 licensed and is working on obtaining her Series 66.

Rachel is from Hawthorne, NJ and has resided in Midland Park, NJ since 2011. Outside of work, she enjoys reading, circuit training, and CrossFit. She is a 2x NYC marathoner (2016 and 2018). She enjoys spending quality time with her husband, their dogs Murphy and Rosie, and their family and friends.