Our Story

For us, retirement planning means more than providing our clients with investment advice. It means helping them maintain the financial independence they've worked their whole lives to achieve. It means striving to ensure they have the means to pursue what's most important to them. And it means understanding them as people with unique goals, values and circumstances that determine the strategies we develop on their behalf.Our consultative process begins with an in-depth discussion of your current finances and future objectives. We'll address issues you might have overlooked that can have a significant impact on your ability to retire as planned. Finally, we'll determine how we can help you adjust your investment strategy as necessary to accommodate changing conditions and meet any unforeseen expenses and income demands that may arise during retirement.
Services Include
  • 529 Plans1
  • Alternative Investments2
  • Annuities3
  • Cash Management and Lending Products4
  • Certificates of Deposit5
  • Corporate Bonds6
  • Exchange Traded Funds7
  • Financial Planning8
  • Fixed Income9
  • Life Insurance10
  • Long Term Care Insurance11
  • Municipal Bonds12
  • Planning for Education Funding13
  • Precious Metals14
  • Professional Portfolio Management15
  • Retirement Planning16
  • Sustainable Investing17
  • Trust Services18
  • UGMA/UTMA19
  • Wealth Management20
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*

Location

1 Penn Plaza
43rd Fl
New York, NY 10119
US
Direct:
(212) 643-5945(212) 643-5945
Toll-Free:
(800) 223-4565(800) 223-4565

Meet The Hochstrasser/Zaro Group

Photo of John Zaro

John Zaro, CRPC®

Vice President, Financial Advisor, Financial Planning Specialist

Phone:
(212) 643-5926(212) 643-5926

About Me

Jack Hochstrasser is the senior partner of the Hochstrasser/Zaro Group.  He is actively engaged in all aspects of the group’s practice, particularly with investment planning, retirement and income planning, and long-term financial planning for clients. 
With more than 36 years of experience at Morgan Stanley and its predecessor firms, Jack has dedicated his professional life to serving clients through financial services.  He began his career in the Equity Research department of Shearson Loeb Rhodes in 1981.  In 1984, Jack transitioned to the Asset Management division of the firm and ultimately became a Director in that division.  In 1997, Jack made the decision to move to the Wealth Management division of the firm in order to work more closely with individual clients and their families. 

Jack’s numerous accomplishments at the firm include his selection to the firm’s prestigious President’s, Chairman’s, and Director’s Councils in addition to a 35 Year Loyalty Service Award conferred in 2016.
Jack is a strong believer in ongoing education, and has earned two Masters Degrees – an MBA from the New York University Graduate School of Business Administration and a Master of Science in Finance from the College for Financial Planning.  Jack received his Certified Financial Planner™ designation in 1989, his Chartered Retirement Planning Counselor designation in 2011, and his Retirement Income Certified Professional designation in 2014. 

Jack has been married to his wife, Meg, for 36 years, and they have two daughters and three granddaughters.  Golf, exercise, and travel are among their interest and hobbies.
Securities Agent: FL, WI, WA, VA, UT, TX, TN, SD, SC, RI, PA, OR, NY, NJ, NH, NC, MO, MN, MI, MD, MA, IL, IA, HI, GA, DE, DC, CT, CO, CA, AZ, AL; Managed Futures; General Securities Representative; BM/Supervisor; Investment Advisor Representative
NMLS#: 1252956

About Me

John A. Zaro, CRPC, First Vice President – Wealth Management is a partner of the Hochstrasser/Zaro Group.  John has dedicated his professional career to serving clients in the 14 years he has been with Morgan Stanley and its predecessor firms.
John has been a distinguished member of the firm’s Blue Chip Council where he has been recognized for excellence in client services.  He was recognized by the firm as a Financial Planning Specialist in 2006. John was named one of America’s Top Next-Generation Wealth Advisors by Forbes in 2018.

John holds the Chartered Retirement Planning Counselor designation, conferred in 2008 by the College for Financial Planning and the Retirement Income Certified Professional designation, conferred in 2015 by the American College.  He is a graduate of Columbia College at Columbia University where he received a B.A. in English.

John has been married to his wife, Natalie, since 2010 and is a proud father of two sons, Adrian and Gabriel.
Securities Agent: WI, WA, VA, UT, TX, TN, SD, SC, RI, PA, OR, NY, NJ, NC, MO, MN, MI, MD, MA, IL, HI, GA, FL, DE, DC, CT, CO, CA, AZ, AL; General Securities Representative
NMLS#: 1255375

About Me

Securities Agent: NJ, WI, WA, VA, UT, TX, TN, SD, SC, RI, PA, OR, NY, NH, NC, MO, MN, MI, MD, MA, IL, ID, IA, HI, GA, FL, DE, DC, CT, CO, CA, AZ, AL; General Securities Representative; Investment Advisor Representative
NMLS#: 1751510

About Me

Christa McGillen is a Senior Registered Associate with the Hochstrasser/Zaro Group, with over 17 years of financial services experience.  She graduated from the University of Scranton in Pennsylvania and earned a B.S. in Finance.  Shortly after graduation, Christa accepted a job offer from Salomon Smith Barney where she worked as an assistant to Jack Hochstrasser.  She has been working with him and the team ever since.  In her role with the group, Christa primarily facilitates client service, account maintenance and trading.  She currently holds her Series 7 and Series 63 registrations.

Strategic Partners

The Experience to Guide You
Our steadfast committment is to enhance the advice you receive. Working in partnership allows us the opportunity to provide a more holistic approach to help you manage and meet your wealth management goals head-on.
From Our Team

America s Top Next-Generation Wealth Advisors by Forbes in 2018


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

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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
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.

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Ready to start a conversation? Contact The Hochstrasser/Zaro Group today.
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Certified Financial Planner™ Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and CFP® (with flame logo)® in the U.S., which it awards to individuals who successfully complete CFP® Board's initial and ongoing certification requirements.

1Investors 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.

2Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are suitable only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.

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

4Morgan 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

5CDs 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.

6Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.

7An investment in an exchange-traded fund involves risks similar to those of investing in a broadly based portfolio of equity securities traded on exchange in the relevant securities market, such as market fluctuations caused by such factors as economic and political developments, changes in interest rates and perceived trends in stock prices. The investment return and principal value of ETF investments will fluctuate, so that an investor's ETF shares, if or when sold, may be worth more or less than the original cost.

8Morgan 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.

9Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.

10Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.

11Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.

12Income 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.

13Morgan 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.

14Precious metals are speculative investments and, as such, their value can be subject to declining market conditions.

15Morgan Stanley’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be suitable 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.

16Morgan 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.

17The 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.

18Morgan 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.

19Morgan 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.

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.

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 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.

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.


CRC 2019752 10/2018