Our Story

We strive to make the complex simple. Whether you’re managing an employee retirement plan, preparing for your own retirement, or transferring your wealth to your children – you face a range of financial questions that can be challenging and complex: How do I protect what I’ve earned? Can I comfortably retire and also take care of my family’s future? Does our institutional investment strategy support our current employee benefit plan? Drawing on more than 100 years of combined experience, our highly-skilled team helps both institutions and individuals answer these challenging questions and reach their financial goals.

As Corporate Retirement Directors, we hold an elite designation shared with only 2% of Morgan Stanley Financial Advisors. This means we have extensive knowledge and training that enables us to manage all aspects of our clients’ corporate retirement plans. With two registered Client Service Associates on our team, we also have an unwavering commitment to providing dedicated, attentive client care.Our team spans generations, so we’ve experienced both the bear and the bull markets. That’s why we’re patient. We don’t panic. We take the long view.

In fact, our seasoned eye often places us ahead of the curve when it comes to adopting new best practices or industry regulations.   It’s simple really, it all comes down to comfort and confidence. We strive to break down complex financial issues and educate our clients so that they feel comfortable and are more prepared to reach their financial goals.
Services Include
  • Wealth Consulting
  • Wealth Management1
  • 401(k) Rollovers
  • 529 Plans2
  • Annuities3
  • Asset Management4
  • Business Planning5
  • Business Succession Planning6
  • Cash Management7
  • Certificates of Deposit8
  • Corporate Pension Funds
  • Corporate Retirement Plans9
  • Defined Contribution Plans10
  • Endowments and Foundations11
  • Estate Planning Strategies12
  • Executive Benefit Services13
  • Executive Financial Services14
  • Financial Planning15
  • Institutional Services
  • Lending Products
  • Life Insurance16
  • Long Term Care Insurance17
  • Municipal Bonds18
  • Planning for Education Funding19
  • Planning for Individuals with Special Needs20
  • Qualified Plans
  • Qualified Retirement Plans21
  • Retirement Planning22
  • Taft-Hartley Plans
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*

Working With You

Experience, discipline, and a personal approach. That’s what we bring to all our client relationships. 

We are positioned to provide sophisticated wealth management solutions for individual investors, and for companies and their employees. In fact, we’ve found that our experience working with institutions actually strengthens our work with individual investors, and vice versa. 

As Corporate Retirement Directors, we are trained in plan design and administration, investment strategy, and fiduciary issues. This means that we help institutions manage and evaluate their retirement plans, select vendors, review investments, allocate assets, and educate their employees. This work has given us a disciplined approach that we carry over to our individual clients, along with a greater understanding of investors’ behavior and experiences.

Conversely, we bring the relationship-building skills we’ve developed with our individual clients to our institutional work. After all, companies aren’t faceless entities; they’re made up of people with unique goals and aspirations – much like our individual clients, who we get to know on a personal level while we help build customized plans that best suit their financial needs

    Our Clients

    We work with institutions, individuals, and families to create comprehensive solutions that help businesses thrive and give individuals confidence in their financial futures.

    We pride ourselves on cultivating close relationships with all our clients, whether they are an institution or a family. At the cornerstone of our team are two client support specialists who each have over 20 years of experience and are also sisters. With family-style care, they facilitate communication and tend to clients’ concerns with a personal approach that brings comfort and inspires trust. Our clients are people first – individuals with interesting goals and back-stories, not just names on a computer screen. With this level of attentive, professional care, it’s no surprise that our team maintains several client relationships that span generations.

    Your financial challenges, needs and aspirations are unique. It’s our job to provide the insight to meet you where you are, and help get you where you want to be. Your concerns are always heard and respected. We want you to be confident in the financial decisions you make – next week, next year, and beyond.

      Location

      61 Paramus Rd
      Paramus, NJ 07652
      US
      Direct:
      (201) 712-4048(201) 712-4048
      Toll-Free:
      (866) 828-5706(866) 828-5706

      Meet The Dressel Silberman Group

      About Me

      Keith graduated with a B.S. from Rutgers University in 1997. As a member of The Napolitano Group at Morgan Stanley, he focuses on portfolio design and investment consulting to group benefit plans, endowments, foundations and high net worth families.  

      PLANADVISER magazine recognized The Napolitano Group as one of the nation’s “Top 100 Advisers” for 2015.  The National Association of Plan Advisors (NAPA) recognized Keith as one of the “Top 50 Plan Advisors Under 40” in their Summer 2014 issue of NAPAnet Magazine.  In 2008, Keith was named as one of the Retirement Plan Advisory 20 Rising Stars.   

      In Keith’s 18 years of experience in the securities industry he has earned the CIMA® Certification (Certified Investment Manager Analyst) designation from the Wharton School of Business and the CRPS® (Chartered Retirement Plan SpecialistSM) designation from the College for Financial Planning. Keith is the Board Member of the Association of Professional Investment Consultants (APIC).

      Keith lives in Montvale, NJ and is an active member of Bergen Highlands Methodist Church of Upper Saddle River, NJ.
      Securities Agent: NJ, VT, VA, UT, SC, RI, PA, NY, NM, MA, HI, GA, FL, DE, DC, CT; General Securities Representative; Investment Advisor Representative
      NMLS#: 1297779

      About Me

      Securities Agent: NJ, VT, VA, UT, SD, SC, RI, PA, NY, NM, NC, MN, ME, MD, MA, ID, HI, GA, FL, DE, DC, CT, CO, CA, AZ; General Securities Representative; Investment Advisor Representative
      NMLS#: 1272808

      About Me

      Dona Rozsypal is a Wealth Management Associate with The Napolitano Group at Morgan Stanley. With more than 25 years of experience in the financial services industry, Dona focuses on supporting the team’s products and services, maintaining client relationships, and executing high volume trades.

      A graduate of St. Thomas Aquinas College, Dona received her Bachelor’s degree in Business with a concentration in Management Information Systems. She’s been working with The Napolitano Group since 1993. Dona is Series 7, 63, and 65 licensed. 

      With her strong work ethic and attentive approach, Dona ensures that clients’ needs are not only met with diligence, but in keeping with their larger financial goals. She’s committed to building meaningful long-term relationships with clients, and is proud to work with several clients’ grandchildren – and even some great-grandchildren – as a result. 

      Outside of work, Dona enjoys spending time with her family.

      About Me

      Debra Contino is a Portfolio Associate with The Napolitano Group at Morgan Stanley. With over 20 years in the financial services industry, she brings experience and enthusiasm to her role maintaining effective client relationships for the team. 

      A graduate of the College of Mount St. Vincent, Debra received her Bachelor’s degree in Economics. She’s been working with The Napolitano Group since 1996. Debra is licensed in Series 7 and Series 66. 

      Debra works closely with both current and prospective clients, cultivating relationships that give the team insight on how best to meet each client’s needs. Always eager to embrace a new challenge, Debra resolves inquiries with a keen attention to detail and a passion for problem solving. 
      From Our Team

      LifeView Financial Goal Analysis


      Investment and Market Perspectives

      On the Markets

      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
      The Simple Six-Step Retirement Checkup

      The Simple Six-Step Retirement Checkup

      Given market volatility in 2018, checking in on your retirement plan may be one of the wisest New Year’s resolutions you can make.

      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
      Five Smart Strategies to Use a Bonus or Raise

      Five Smart Strategies to Use a Bonus or Raise

      Have extra money coming in? Here are ways to put your money to work for you now, so you can reap the rewards down the road.

      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
      Financial Transition: A Guide for Women

      Financial Transition: A Guide for Women

      Here's how to take control of your finances if a death or divorce leaves you holding the reins.

      Business Planning

      Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
      • Succession Planning
      • Business Planning
      • Retirement Plan Sponsors
      • Qualified Retirement Plans
      • Corporate Pension Funds
      6 Keys to Building a Startup

      6 Keys to Building a Startup

      Entrepreneurs share ideas and learnings from the experience of starting a company.

      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
      A New Roadmap for Mission Alignment

      A New Roadmap for Mission Alignment

      Non-profits, foundations and endowments need to ensure that their sources of capital are in sync with their stated goals.

      Insights and Outcomes

      Thought Leadership for our ultra high net worth clients, which contains thought-provoking articles, authored by leading experts from Morgan Stanley Family Office Resources.
      Art as An Asset
      CRC 2274738 01/19

      Art as An Asset

      Art may play a significant role in the context of a collector's overall wealth. Generally, a collector may differentiate financial assets, including stocks, bonds and real estate, from other possessions, such as art.

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      Ready to start a conversation? Contact The Dressel Silberman Group today.
      Market Information Delayed 20 Minutes
      1Morgan 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.

      2Investors should consider many factors before deciding which 529 plan is appropriate. Some of these factors include: the Plan’s investment options and the historical investment performance of these options, the Plan’s flexibility and features, the reputation and expertise of the Plan’s investment manager, Plan contribution limits and the federal and state tax benefits associated with an investment in the Plan. Some states, for example, offer favorable tax treatment and other benefits to their residents only if they invest in the state’s own Qualified Tuition Program. Investors should determine their home state’s tax treatment of 529 plans when considering whether to choose an in-state or out-of-state plan. Investors should consult with their tax or legal advisor before investing in any 529 Plan or contact their state tax division for more information. Morgan Stanley Smith Barney LLC does not provide tax and/or legal advice. Investors should review a Program Disclosure Statement, which contains more information on investment options, risk factors, fees and expenses and possible tax consequences.

      3Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.

      4Morgan 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.

      5Morgan 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.

      6Morgan 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.

      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

      8CDs are insured by the FDIC, an independent agency of the U.S. Government, up to a maximum of $250,000 (including principal and accrued interest) for all deposits held in the same insurable capacity (e.g. individual account, joint account, IRA etc.) per CD depository. Investors are responsible for monitoring the total amount held with each CD depository. All deposits at a single depository held in the same insurable capacity will be aggregated for the purposes of the applicable FDIC insurance limit, including deposits (such as bank accounts) maintained directly with the depository and CDs of the depository.

      9Tax laws are complex and subject to change. 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 and are not “fiduciaries” (under ERISA, the Internal Revenue Code or otherwise) with respect to the services or activities described herein except as otherwise provided in writing by Morgan Stanley and/or as described at www.morganstanley.com/disclosures/dol . Individuals are encouraged to consult their tax and legal advisors (a) before establishing a retirement plan or account, and (b) regarding any potential tax, ERISA and related consequences of any investments made under such plan or account.

      10Tax laws are complex and subject to change. 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 and are not “fiduciaries” (under ERISA, the Internal Revenue Code or otherwise) with respect to the services or activities described herein except as otherwise provided in writing by Morgan Stanley and/or as described at www.morganstanley.com/disclosures/dol . Individuals are encouraged to consult their tax and legal advisors (a) before establishing a retirement plan or account, and (b) regarding any potential tax, ERISA and related consequences of any investments made under such plan or account.

      11Morgan 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.

      12Morgan 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.

      13Tax laws are complex and subject to change. 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 and are not “fiduciaries” (under ERISA, the Internal Revenue Code or otherwise) with respect to the services or activities described herein except as otherwise provided in writing by Morgan Stanley and/or as described at www.morganstanley.com/disclosures/dol . Individuals are encouraged to consult their tax and legal advisors (a) before establishing a retirement plan or account, and (b) regarding any potential tax, ERISA and related consequences of any investments made under such plan or account.

      14Tax laws are complex and subject to change. 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 and are not “fiduciaries” (under ERISA, the Internal Revenue Code or otherwise) with respect to the services or activities described herein except as otherwise provided in writing by Morgan Stanley and/or as described at www.morganstanley.com/disclosures/dol . Individuals are encouraged to consult their tax and legal advisors (a) before establishing a retirement plan or account, and (b) regarding any potential tax, ERISA and related consequences of any investments made under such plan or account.

      15Morgan 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.

      16Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.

      17Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.

      18Income generated from an investment in a municipal bond is generally exempt from federal income taxes. Some income may be subject to state and local taxes and to the federal alternative minimum tax. Capital gains, if any, are subject to tax.

      19Morgan 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.

      20Morgan 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.

      21Tax laws are complex and subject to change. 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 and are not “fiduciaries” (under ERISA, the Internal Revenue Code or otherwise) with respect to the services or activities described herein except as otherwise provided in writing by Morgan Stanley and/or as described at www.morganstanley.com/disclosures/dol . Individuals are encouraged to consult their tax and legal advisors (a) before establishing a retirement plan or account, and (b) regarding any potential tax, ERISA and related consequences of any investments made under such plan or account.

      22Morgan 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.

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      The securities/instruments, services, investments and investment strategies discussed in this material may not be suitable 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.

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      *References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.


      CRC 2019752 10/2018