Welcome

Each client gets their unique comprehensive, personalized wealth plan built around the things most important to them. That's easy to say, but what does it actually mean? At The Lighthouse Group at Morgan Stanley, the group has learned over the years that a crucial first step in successful Wealth Management is helping their clients identify, clarify and articulate the things they find most meaningful. Generally, they fall into four categories – People, Activities, Convictions and Things.

  • People: who you care about
  • Activities: what you like to do
  • Convictions: your core values
  • Things: the possessions you treasure The Lighthouse Group uses this information to develop what they call a PACT Profile – a clear set of your specific goals. Once your PACT goals have been established, every decision involving money becomes both far simpler and more strategic – every choice is automatically aligned with your most cherished goals. Furthermore, combining the highly credentialed group and the global capacity and strength of Morgan Stanley, The Lighthouse Group provides a comprehensive yet highly personal array of Wealth Management services as appropriate to your customized PACT Profile. The Lighthouse Group believes this approach gives you the best opportunity to realize your goals and objectives.

Forbes Best-In-State Wealth Management Teams 2025
Source: Forbes (Awarded Jan 2025) Data compiled by SHOOK Research LLC for the period 3/31/23-3/31/24

Our Clients Include:
  • Professionals in the Healthcare, Legal, Finance and Tech Industries
  • Senior and C-Suite Executives of Public Companies
  • Business Owners and Self-Made Entrepreneurs
  • Retirees and Individuals Planning for Retirement
  • Families Spanning Multiple Generations
  • Women Seeking Guidance for Themselves and their Family
  • Young Professionals in the Early Stages of their Careers
  • Companies seeking Assistance to Offer or Enhance their Retirement Plan and Financial Wellness Programs to their Workforce
  • Referrals from Existing Clients and Industry Professionals
Services Include
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Comprehensive Wealth Management

Wise coaches in every sport know that there are two ways to build a winning team – you can aim to score more than the other team, or you can create a defense designed to prevent them from scoring more than you do. There is a clear parallel to Wealth Management.

Your personal wealth is determined by a combination of creating gains through income and investments and protecting against declines through wealth preservation and protection. You can think of this as two sides of your personal balance sheet.

That’s why, at The Lighthouse Group, they work with clients on every financial decision. Once they’ve established goals and strategies, the group can recommend the appropriate choice every time money is a factor. It can include everything from building an investment portfolio to buying a car, from choosing among insurance options to planning for retirement.

The Lighthouse Group’s clients count on them for advice on every short, medium and long-term financial decision. The group believes it’s the best way to put you in a position to accomplish your objectives.
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    Total Wealth View
    It’s hard to see the complete picture with only half the details. As a Morgan Stanley client, you can conveniently view your accounts from other financial institutions on Morgan Stanley Online or by using the Morgan Stanley Mobile App, giving you a more complete financial picture.
    Learn More About Total Wealth View
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    Digital Vault
    Digital Vault lets you easily and securely manage and share important documents such as account statements, authorizations, tax filings and other relevant documents with your Financial Advisor.
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    Portfolio Risk Platform
    Our Portfolio Risk Platform, backed by institutional-caliber analytics, assesses thousands of risk factors using a holdings-based approach to assess a portfolio’s exposures, analyze how securities behave together across portfolios and forecast how they influence risk and return moving forward.
    Portfolio Risk Platform

OUR SUITE OF SERVICES

As your wealth grows, so does its complexities and the resources needed to manage it effectively. We leverage our experience and relationships to deliver innovative strategies that are tailored to your needs. We look forward to speaking with you to understand your challenges, so we may map out a strategy to achieve your particular priorities and goals.
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    Wealth Management
    Wealth Management brings all the dimensions of your life together. We listen carefully to understand the connections across your personal life, your family, your career and your legacy goals to develop a comprehensive strategy that is uniquely yours.
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    Retirement Planning
    One of our key areas of focus is helping you prepare for and thrive in retirement. From IRAs to RMDs, we manage the complexities of your comprehensive retirement plan assets, helping you easily transition to the next phase of your life with security and confidence.
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    Professional Portfolio Management
    Managing an investment portfolio should be a consultative, disciplined process that balances your attitudes about investing with careful analysis of the financial markets. Working together, we create a customized strategy that applies long-held investment principles to help your assets appreciate appropriately or generate cash-flow or income as you require.
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    Alternative Investments
    Morgan Stanley’s global network affords us the ability to offer suitable clients a wide array of alternative investments to consider – from private equities and exchange funds to hedge funds and real estate investments. Our recommendations are based on your own goals and your tolerance for investment risk.
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    Cash Management Services
    Creating adequate cash flow and securing liquidity are day-to-day aspects of implementing a financial strategy. We help you meet your personal cash management and borrowing needs, while thinking strategically about how specific approaches may affect current and long-term costs and taxes.
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    Estate Planning & Philanthropic Strategies
    Delivering an estate to the next generation or favorite charity requires more attention than families often realize. We coordinate with your estate and tax professionals to align your legacy goals with the appropriate asset titling and beneficiary designation requirements, incorporating best practices to help enhance results.

THE PLANNING PROCESS

To reach your goals, you need a wealth plan informed by a comprehensive assessment of your current budget and finances, clear objectives and sound advice that puts you in the center of the process. The Lighthouse Group at Morgan Stanley uses a four-step Goals Planning System (GPS) to create your personal roadmap towards financial achievement and protection.

1. Discover: Understand your values, objectives and quantify your goals.
2. Advise: Create a tailored wealth plan to help keep you on track.
3. Implement: Add value with tax-aware and cost-sensitive capabilities.
4. Monitor: Continually track progress so that you know where you stand relative to your goals and adjust to changing needs and circumstances.

The Lighthouse Group's years of experience combined with Morgan Stanley’s state of the art technology, intellectual capital and extensive resources enables the team to create customized, holistic plans that consist of:

- Professional Portfolio Management
- Advanced Risk Analytics
- Tax Mitigation Strategies
- Estate Planning
- Philanthropic and Legacy Planning
- Liquidity and Borrowing Needs
- Hedging and Monetization Strategies for Concentrated Equity Positions

The Lighthouse Group believes in regular communication, scheduled progress updates and continuous monitoring of plans to ensure that clients remain on track toward meeting their goals.
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    LifeView - Intelligent Planning
    LifeView is a suite of planning tools that includes goal-specific analysis that we can use to create a realistic, holistic strategy that integrates the various aspects of an individual's financial life, including investments and cash management needs.
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    Financial Planning
    Morgan Stanley Financial Planning can show you a single, comprehensive snapshot of your finances. We can help you create a wealth plan that’s adaptable to the different stages of your life using our cutting edge tools- Goals Planning System (GPS) and LifeView.
    Morgan Stanley Goals-Based Wealth Management

Certifications, Designations & Awards

Our Team has the extensive experience, specialized training and resources necessary to help our clients address their unique goals and aspirations. Read below to understand more about our designation and how Morgan Stanley can help you achieve your goals.
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    Forbes Best-In-State Wealth Management Teams 2025
    Source: Forbes (Awarded Jan 2025) Data compiled by SHOOK Research LLC for the period 3/31/23-3/31/24
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    Christopher Amato: Forbes Best-In-State Wealth Advisor 2025
    Source: Forbes (Awarded April 2025). Data compiled by SHOOK Research LLC based for the period 6/30/23–6/30/24.
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    Certified Financial Planner®
    The Certified Financial Planner® certification is the standard of excellence in financial planning. CFP® professionals meet rigorous education, training and ethical standards, and are committed to serving their clients' best interests today to prepare them for a more secure tomorrow.
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    Family Wealth Director
    The Family Wealth Director designation is given to those who have extensive experience working with ultra-high net worth families, and who have undergone specialize training. FWDs have direct access to an extensive range of resources needed to help highly affluent families manage the complex, multigenerational challenges of managing significant wealth.
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    Alternative Investments Director
    A specialization within Morgan Stanley, the Alternative Investments Director Designation program was developed for Financial and Private Wealth Advisors who have significantly incorporated Alternative Investments into their practice.
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    Qualified Plan Financial Consultant (QPFC)
    QPFCs help their clients objectively review their financial situation, isolate potential concerns, and provide recommendations and solutions for tending to these financial matters.
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    Equity Compensation
    Your equity compensation can have a significant impact in your overall financial picture. By successfully clearing the firm's training and testing, they are able to help in using your equity compensation to work towards your goals.
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    Certified Exit Planning Advisor (CEPA®)
    The Certified Exit Planning Advisor (CEPA®) credential is for professional advisors who want to assist business owners build more valuable companies, have stronger personal financial plans, and align their personal goals.

WORKPLACE FINANCIAL BENEFITS WITH MORGAN STANLEY AT WORK

Our mission is to help your company elevate your workplace financial benefits—helping you to attract and retain top talent. Our end-to-end solutions support your company and employees at any stage of growth through a powerful combination of modern technology, insightful guidance, and dedicated service.

    Equity Solutions

    Equity ownership is a powerful motivator. Streamline equity management through our leading-edge technology and provide global audit-ready reporting and insights, alongside customizable participant experiences to engage and educate your employees on how to make the most of their benefits. Our global solutions support private and public companies at any stage of growth.

    • Equity Administration and Financial Reporting
    • Liquidity Events
    • 409A Valuation Services and Cap Table Management

    Learn more
    Retirement

    For your employees, retirement is more than a date in the future—it's a milestone that takes time, hard work, and the right tools. Through our consultative process, we strive to assist with the management of your fiduciary responsibilities and risk, simplify plan management, and help you improve retirement readiness for your employees.

    • Defined Contribution Consulting
    • Solutions-Oriented Plans
    • Fiduciary Investment Oversight

    Learn more
    Deferred Compensation

    Access a range of Nonqualified Deferred Compensation plan services or pick the ones that best fit your needs. We provide recordkeeping and plan design, portfolio construction services, and plan education for your executive talent. We help you determine the appropriate plan design and inform a funding strategy through a needs-based assessment and consultative approach.

    Services include:

    • Recordkeeping and Plan Design
    • Portfolio Construction
    • Wealth Management Services
    Learn more
    Executive Services

    Our dedicated team provides concierge-level support for your executives' equity compensation plans, from 10b5-1 trading plans to form filing related to Rule 144 transactions, to access to wealth management and tax-optimization strategies, so helping them navigate their complex financial needs with greater confidence and certainty:

    • Equity Compensation Services
    • Equity Award Analysis
    • Specialized Solutions
    Learn more
    Saving and Giving

    Saving and Giving benefits can make a real difference in your employees' lives as they can support the things that matter most to them—like saving for education and repaying student loans. Show that you are committed to your employees' priorities with leading-edge solutions that help them chart a path toward financial well-being.

    • College Savings
    • Student Loan Repayment and Refinancing
    • Charitable Giving
    Learn more
    Financial Wellness

    We offer Financial Wellness with every solution we provide. Through a powerful combination of education, digital tools and guidance, Financial Wellness is designed to address the unique needs of your employees and empower their financial journey at every stage. Give your employees the confidence to take charge of their finances.

    • Financial Education
    • Digital Tools
    • Financial Guidance

    Learn more

Location

61 South Paramus Road
3rd Floor
Paramus, NJ 07652
US
Direct:
(201) 670-3457(201) 670-3457
Toll-Free:
(866) 423-1780(866) 423-1780

Meet The Lighthouse Group

Photo of Scott Schlett

Scott Schlett, CFP®, CRPS®, CEPA

Executive Director, Financial Advisor, CERTIFIED FINANCIAL PLANNER®, Chartered Retirement Plans Specialist, Senior Portfolio Management Director, Workplace Advisor - Equity Compensation, Lending Specialist, Alternative Investments Director
Phone:
(201) 670-3427(201) 670-3427
Photo of Alexis Kazarian

Alexis Kazarian

Registered Client Service Associate
Phone:
(201) 670-3424(201) 670-3424
Photo of Valerie Sanchez

Valerie Sanchez

Wealth Management Associate
Phone:
(201) 670-3443(201) 670-3443

About Scott Schlett

Scott Schlett

Scott Schlett is an Executive Director, Senior Portfolio Management Director and Financial Advisor with the Lighthouse Group at Morgan Stanley based in Paramus, NJ. He has over 30 years of experience in the Financial Services sector, specifically in Wealth Management. Scott has been with Morgan Stanley since 2005. He also holds the CERTIFIED FINANCIAL PLANNER®, Chartered Retirement Plans Specialist, Workplace Advisor – Equity Compensation, Lending Specialist, Certified Exit Planning Advisor, and Alternative Investment Director designations.

Scott specifically focuses on leading the Lighthouse Group’s investment strategy and portfolio construction. He performs risk analysis and investment due diligence on all of the teams portfolios.

Scott utilizes his experience and proficiency in financial planning to design appropriate asset allocations and long-term income solutions for all Lighthouse Group clients. He employs knowledge gained from being a student of the market with his passion in economics into all portfolios. As Mark Twain once said, “History doesn’t repeat itself, but it often rhymes.”

Scott graduated from Dickinson College where he earned his Bachelor’s degree in Economics with a concentration in Finance. During his time at Dickinson, Scott was a captain on the football team which went undefeated in his senior year. He was an Honorable Mention All American.

Scott lives with his wife and five children in NJ. Scott enjoys spending quality time with his family which he makes a top priority. He has coached his kids’ sports teams in his local community for over 30 years. Scott and his family are dedicated to Morgan Stanley’s Children’s Hospital, where they have been a donor and serve holiday meals for families.
Securities Agent: OK, NH, MD, IN, IL, WV, WI, TN, OH, MA, KY, ID, DE, DC, WA, VA, TX, RI, FL, AK, SC, ND, KS, WY, VT, NE, LA, GA, CT, OR, AZ, UT, NM, NC, MI, NY, NV, NJ, IA, CA, PA, MO, CO; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1395575

About Christopher Amato

Christopher (Chris) Amato

Chris Amato is an Executive Director and Financial Advisor on the Lighthouse Group at Morgan Stanley based in Paramus, NJ. He has over 20 years of experience in Financial Services and has been with Morgan Stanley/Smith Barney for over 16 years. He also holds the Alternative Investments Director, Family Wealth Director, Portfolio Management Director, Workplace Advisor - Equity Compensation, Financial Planning Specialist and Lending Specialist designations.

Chris specifically focuses on helping multi generation families and businesses meet their financial planning goals, affording them the ability to live and retire comfortably. He takes pride in guiding families through their life cycle, from planning for their children’s education, retirement, to succession to the next generation. He drives the Lighthouse Group’s efforts to develop PACT Profiles (See PACT Profile tab), which drives the Wealth Management strategy for each client.

Utilizing skills and knowledge derived from decades in the industry, Chris helps guide his clients through turbulent markets as well as providing solutions for their needs. He employs a comprehensive Wealth Management process to develop actionable plans tailored to individual situations. He is dedicated to thoroughly understanding each client’s financial position, long and short-term goals and appetite for risk. He uses this information along with the firm’s modern Wealth Management analytics and Risk Management tools to formulate customized strategies. Chris often collaborates with his clients’ attorneys and accountants while producing financial plans. He and his team check in regularly with their clients to monitor their success and help them stay the course to attain their unique objectives.

Chris graduated from Elon University where he double majored in Finance and Management. During his time at Elon, Chris was a member of the Kappa Alpha Order Fraternity.

Chris lives in New Jersey with his wife and two young boys. He spends a lot of his free time together with his family. He has a passion for the environment and makes sure him and his wife provide a solid core of moral and ethical values in their kids so future generations can continue the family legacy. Chris enjoys skiing, surfing and most outdoor activities.
Securities Agent: AZ, WY, WI, NV, MI, FL, DC, NH, ND, MA, KY, HI, CA, AK, ID, GA, DE, NM, NY, RI, NC, WA, VT, SC, MD, IN, TN, PA, KS, UT, TX, MO, IL, IA, CO, VA, NJ, LA, WV, OR, OH, NE, CT; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1391561

About Michael G Kowal

Mike Kowal is a Vice President, Financial Advisor and Portfolio Manager on The Lighthouse Group at Morgan Stanley. Mike also holds his QPFC (Qualified Plan Financial Consultant) designation. Mike has over 30 years of experience in the Wealth Management industry and has been with Morgan Stanley since 2013. Mike graduated from Bucknell University with a Bachelor’s degree in Business Management with a concentration in Finance.

Mike works with successful professionals and their families. Many of his clients are senior executives of both public and private companies. As a Financial Advisor, Mike provides comprehensive wealth solutions tailored to each client’s unique needs. Mike strives to develop long term relationships through a commitment to quality service that prioritizes transparency and accessibility. A strong service ethic is the foundation of his practice, demonstrated through an ongoing commitment to his clients’ financial well-being.

Mike’s early experience in Wealth Management includes a variety of roles in Operations, Compliance, Risk Management and Administration. He has worked at several global firms including Lehman Brothers, Solomon Smith Barney and Credit Suisse. It is through this broad experience that Mike has developed a thorough and distinctive perspective of the industry. It also led him to embark on a career as a Financial Advisor as he enjoys the problem solving aspect of the planning and investment process, as well as the collaborative nature of working with clients’ on their particular challenges.

Mike’s advisory process is centered on Goals-Based Financial Planning supported by Morgan Stanley’s modern wealth planning tools and advanced technology. The process starts with a thorough understanding of each client’s unique situation – their goals, income needs, risk tolerance, time horizons as well as their philanthropic and legacy planning priorities. Mike draws upon his experience, exceptional insight and the scale and resources at Morgan Stanley. Mike believes that Financial Planning is the foundation for some of the strongest relationships and the context for smart investment decisions.

Mike has been a resident of Bergen County, New Jersey for over 40 years. He currently resides in Wyckoff with his wife of 25 years and their two children. Mike has served his community by coaching a variety of youth sports programs in his home town. Mike has a passion for sports, history and fishing. In his free time, Mike enjoys visiting new places, cooking with and for friends and family and experimenting with new recipes.


“Excellence is never an accident. It is always the result of high intention, sincere effort and excellent execution; it represents the wise choice of many alternatives – choice, not chance, determines your destiny.”
- Aristotle
Securities Agent: IL, RI, NV, GA, ND, IN, CO, IA, WI, VT, LA, CT, CA, MD, MO, KY, AZ, AL, NY, NE, SC, KS, VA, TN, NJ, NC, TX, ID, FL, DC, WY, PA, OH, UT, NH, MA, DE, NM, WV, AK; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 1496496

About Robert Moreira

Robert Moreira is a Financial Advisor who started his career at Morgan Stanley a decade ago in 2013. Robert seeks to forge strong relationships with his clients by acknowledging their long-term financial goals. He has a widespread view of the markets and uses all resources of Morgan Stanley to ensure the best experience for all his clients. Robert's title of Financial Planning Specialist, allows him to help develop effective plans which considers the entirety of a client's financial health and standing. Robert takes pride in providing first-rate service and building a long term relationship with his clients.
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Robert grew up working in a family restaurant, which provided valuable interpersonal skills and an appreciation for hard work. After attending Don Bosco Prep High School, Robert continued his higher education at Providence College where he earned a degree in Business Economics. He worked for the Providence College Friars Hockey Team while at PC and continues a strong alumni network connection, by coaching hockey at Don Bosco.
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Robert lives in New Jersey with his wife Jaclyn and their dog Lola. Outside of work, Robert enjoys spending time with his family and following his college sports teams. He has a passion for Hockey and is an avid New Jersey Devils fan. He enjoys traveling and summers at the jersey shore.
Securities Agent: NM, AL, NV, TX, OK, NC, NE, MI, LA, FL, CA, SC, RI, OR, OH, VA, ND, DE, WY, PA, NY, KY, IL, CT, AZ, TN, NJ, MO, MD, AK, VT, NH, GA, WI, WA, KS, IN, ID, AR, WV, SD, ME, MA, DC, CO; General Securities Representative; Investment Advisor Representative
NMLS#: 1388014

About J. Daniel Diaz

Dan Diaz is a Financial Advisor at Morgan Stanley, where he specializes in comprehensive, goals-based wealth planning tailored to the unique needs of individuals, families, and business owners. With a disciplined approach, Dan helps clients navigate the complexities of investments, risk management, tax efficiency planning, estate planning, insurance solutions, retirement readiness, educational funding, and the transfer of generational wealth.

At the core of his practice is a deep commitment to understanding what truly matters to his clients. Dan partners closely with clients to create actionable, personalized plans that evolve with them over time and across life stages.

In addition to his professional focus, Dan is passionate about educating the next generation on financial literacy and wealth stewardship, helping families prepare not just financially, but emotionally and intellectually, for the responsibilities of wealth.

Outside of the office, Dan enjoys spending time on the golf course, watching New York sports, and perfecting his barbecue recipes.
Securities Agent: VA, NY, CO, AZ, PA, NH, NC, IA, FL, NE, MO, KS, AK, CT, WA, VT, ND, SC, MA, IL, ID, HI, DC, CA, WV, TX, OR, KY, TN, RI, NV, NJ, MI, LA, IN, GA, DE, WY, OH, MD, WI; General Securities Representative; Investment Advisor Representative
NMLS#: 2677929

About Alexis Kazarian

Alexis joined Morgan Stanley in March of 2014 and has over 20 years of experience in the industry. She has worked for Raymond James Financial Services and a large team at Merrill Lynch Private Banking & Investments in New York.

In her role as a Registered Client Service Associate, Alexis works closely with the team’s Financial Advisors. She is passionate about providing clients with exceptional administrative, operational and trading support.

Alexis earned her B.A. from Muhlenberg College where she double majored in Art History and French Literature and earned an M.A. in Art History from the State University of New York, Binghamton. She holds the Series 7 and Series 63 licenses.
Alexis is involved with philanthropy, enjoys yoga, art history, photography and travel.

About Valerie Sanchez

With over 30 years of financial services experience, Valerie Sanchez joins The Lighthouse Group as a Wealth Management Associate. Her strong background in client relationship management and commitment to excellent client service make her a great addition to the team. Valerie assists our team and its clients with many projects and complex situations as well as day-to-day client operational needs.

Before joining Morgan Stanley, Valerie spent almost ten years with Divine Asset Management where she was a founding partner and handled client facing wealth management, operations, as well as financial coaching and education geared toward women. Before that she spent a majority of her career as a sales trader at what was once Schwab Capital Markets, a division of Charles Schwab. Through various acquisitions, the company eventually became UBS Securities where she was a Director in Broker Dealer Sales.




Valerie holds her SIE, 7, 57, 63, 66, Life, Health & Accident licenses.

Awards and Recognition

Forbes Best-In-State Wealth Management Teams
Forbes Best-In-State Wealth Management Teams Source: Forbes (Awarded Jan 2025) Data compiled by SHOOK Research LLC based for the period 3/31/23-3/31/24.
Forbes Best-In-State Wealth Advisors
Forbes Best-In-State Wealth Advisors Source: Forbes.com (Awarded April 2025) Data compiled by SHOOK Research LLC for the period 6/30/23 - 6/30/24.
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Wealth Management
Global Investment Office

Portfolio Insights

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Equity Compensation

Helping you make the most of your equity awards and better understand how it may fit into your your larger financial picture – today and tomorrow.

  • Vesting events
  • Option expirations
  • Restricted stock units
  • Tax implications

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
Learn More about Retirement
A Simple Six-Step Retirement Checkup
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A Simple Six-Step Retirement Checkup

Checking in on your retirement plan may make a lot of sense, especially when market volatility arises.

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
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Rational Investing in an Age of Uncertainty
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Rational Investing in an Age of Uncertainty

When it comes to investing, even the most savvy of us fall prey to bias and emotional trades. So what triggers should you watch for?

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
Learn More about Family
529 Plans: A Powerful Tool to Save for Education
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529 Plans: A Powerful Tool to Save for Education

Though education costs continue to climb, starting to save and invest early can make a difference.

Business Planning

Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
  • Succession Planning
  • Business Planning
  • Qualified Retirement Plans
Learn More about Business Planning
Financial Planning for Life After Selling a Business
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Financial Planning for Life After Selling a Business

Selling your business can mean big changes for your life, both personally and financially. Know how to make the most of your windfall.

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
Learn More about Philanthropy
Donor Advised Funds: A Smart Way to Manage Your Giving
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Donor Advised Funds: A Smart Way to Manage Your Giving

There's more to charitable giving than you may realize. Here's one method that may be a tax-efficient way to give and can help maximize your impact.

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.
Learn More about Financial Wellness
The Business Case for a Financially Resilient Workforce
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The Business Case for a Financially Resilient Workforce

In the face of turbulent markets, the word “resilience” may be top of mind. Broadly speaking, resilience is the ability to “bounce back” when encountering life’s inevitable challenges.
Ready to start a conversation? Contact The Lighthouse Group today.
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CFP Board owns the marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the U.S., which it awards to individuals who successfully complete CFP Board's initial and ongoing certification requirements.

1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States. Morgan Stanley Wealth Management is a business of Morgan Stanley Smith Barney LLC.

For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.

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2Morgan 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.

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3Morgan 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.

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4When 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.

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5When 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.

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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.

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7Morgan 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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8Alternative 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 appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.

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9Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.

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Awards Disclosures | Morgan Stanley
CRC 4665150 (8/2025)