Kevin R. Holt, CFP®, CIMA®
Senior Vice President, Financial Advisor, Financial Planning Specialist
Phone:
(732) 974-5034(732) 974-5034
The Rolling Wave Group at Morgan Stanley
Direct:
(732) 974-5006(732) 974-5006
Our Mission Statement
Through our Rolling Wave approach to financial planning, we deliver the high-quality advice, education, and personalized solutions needed to help you accomplish your goals.
The Rolling Wave Approach to Financial Planning
Named a 2023 Forbes Best-In-State Wealth Management Team
Managing wealth today involves far more than overseeing investments. It requires your advisors to have a deep understanding of who you are, what is most important to you, and the financial complexities in your life. This allows us to help you achieve your long-term and short-term goals while managing your wealth in a way that reflects your personal values and the realities of your life as it changes over time.
Over the years, we have developed and refined an approach to financial planning that enables our clients to easily adapt to the changes in their lives and in financial markets.
We call our process the Rolling Wave approach. A rolling wave breaking on the beach is the outcome of a wave that started long before. These waves were once deep at sea, with their final destination unclear. We are fortunate to work with families for multiple decades and our financial planning approach is built for the long term. Our process ensures that our recommendations are clearly focused on the goals that are most important to them and are updated as their life changes. We know their outcome will be the result of decisions we helped them make long before, like that rolling wave we see breaking on the shore.
To put our approach in context, we thought it would be helpful to highlight a common goal. A client in their 50s may have a long-term goal of retirement. We equate this to a wave deep at sea. During this time, we advise our client based on this high-level goal. As they approach retirement age, we help our clients develop clarity on what retirement will look like. We are then able to address these needs with them such as where their income will come from, gifting strategies for the next generation, and how best to structure their estate. This plan will evolve as life and client goals change over the course of time and generations.
We have been privileged to see the effect of our Rolling Wave approach help families we work with and look forward to sharing more details with you.
Source: Forbes.com (Awarded Jan 2023) Data compiled by SHOOK Research LLC based on time period from 3/31/21 – 3/31/22 For more info:https://mgstn.ly/3fQYK3h
Managing wealth today involves far more than overseeing investments. It requires your advisors to have a deep understanding of who you are, what is most important to you, and the financial complexities in your life. This allows us to help you achieve your long-term and short-term goals while managing your wealth in a way that reflects your personal values and the realities of your life as it changes over time.
Over the years, we have developed and refined an approach to financial planning that enables our clients to easily adapt to the changes in their lives and in financial markets.
We call our process the Rolling Wave approach. A rolling wave breaking on the beach is the outcome of a wave that started long before. These waves were once deep at sea, with their final destination unclear. We are fortunate to work with families for multiple decades and our financial planning approach is built for the long term. Our process ensures that our recommendations are clearly focused on the goals that are most important to them and are updated as their life changes. We know their outcome will be the result of decisions we helped them make long before, like that rolling wave we see breaking on the shore.
To put our approach in context, we thought it would be helpful to highlight a common goal. A client in their 50s may have a long-term goal of retirement. We equate this to a wave deep at sea. During this time, we advise our client based on this high-level goal. As they approach retirement age, we help our clients develop clarity on what retirement will look like. We are then able to address these needs with them such as where their income will come from, gifting strategies for the next generation, and how best to structure their estate. This plan will evolve as life and client goals change over the course of time and generations.
We have been privileged to see the effect of our Rolling Wave approach help families we work with and look forward to sharing more details with you.
Source: Forbes.com (Awarded Jan 2023) Data compiled by SHOOK Research LLC based on time period from 3/31/21 – 3/31/22 For more info:https://mgstn.ly/3fQYK3h
Services Include
- Financial PlanningFootnote1
- Retirement PlanningFootnote2
- Stock Option PlansFootnote3
- Estate Planning StrategiesFootnote4
- Trust Services*
- Alternative InvestmentsFootnote5
- Cash Management and Lending ProductsFootnote6
- Business Succession PlanningFootnote7
- Executive Benefit ServicesFootnote8
- Sustainable InvestingFootnote9
- LGBT+ Planning ServicesFootnote10
- Philanthropic ManagementFootnote11
- Qualified Retirement PlansFootnote12
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
The Rolling Wave Advantage
Smart wealth management begins and ends with tailored service and attention to detail. We enjoy working with families and business owners who seek long-term, fully engaged relationships with their advisors and believe the following attributes set us apart from other advisory teams.
Extensive Experience
We deliver a powerful combination of experience and education that is rare in one group of advisors. Our team has more than 60 years of collective experience which includes two CFPs® and a Certified Investment Management Analysts®. From investment management to estate planning and everything in between, we provide the solutions needed to achieve your life goals. We believe the more complex your situation, the more valuable we are to you, and the more rewarding your overall experience with us will be.
Exceptional Follow-Through
It is critically important for you to always know where you stand and it is our responsibility to keep you on track towards achieving your goals. If there are actions required, we make sure they get done. Our follow-up skills are impeccable. As the adage goes: “The devil is in the details.” Every step of our process is designed to get things done in a timely and efficient manner. Because we believe in full transparency, we keep you informed each step of the way.
We Understand Family Dynamics
Family members – particularly those of different generations – may have different points of view and priorities. We understand the value of money and the hard work it takes to build wealth over time. We have significant experience helping families address sensitive issues, which may involve facilitating difficult conversations to achieve a shared sense of purpose and direction.
Ongoing Education
Financial education is a vital element of our practice and helps ensure continuity if there is a wealth event or as wealth moves from one generation to the next. We believe it is our responsibility to assist you and your family members as they face important financial challenges or decisions. We provide access to important resources and are here to answer critical questions that may impact your long-term wealth.
Your Single Point of Contact
We commit to being your single point of contact for all things financial. Our disciplined process begins with a thorough financial plan to understand your goals and concerns, which in turn, drives the strategies and services we tailor for you. We will collaborate with your accountant, estate planning attorney, and other professionals within our network to help ensure your plan remains comprehensive, cohesive, and coordinated.
Clear Communication
We take pride in educating our clients. Everything on a balance sheet, including both assets and liabilities, are interconnected and each play a different role specific to our client’s goals. By helping clients understand the risk tolerance, time horizon, and use points of each you will be more comfortable with why you are invested. We excel at simplifying the complexities of wealth management, effectively communicating each concept in a way that you can easily understand so that you will never feel overwhelmed by technical jargon.
Industry Recognition
Throughout our careers, we have been honored to receive a number of industry and firm awards. We are proud of these achievements – not just for their own sake, but because we believe they show how committed we are to our clients in helping them achieve their financial goals. Most recently, The Rolling Wave Group has been honored by Forbes as a 2023 Best-In-State Wealth Management Team.
Total Wealth Management
We provide resources to manage the complexities of all your financial needs under one roof. As a multigenerational team with diverse life experiences, we offer broad perspectives to address many different challenges and circumstances. Chances are, we have personally experienced a life event that has brought you to us. We listen to you to understand what is most important and provide strategies that are tailored to your particular situation.
Our Process Adapts to You
Our financial planning process takes on a cyclical shape, similar to a rolling wave. It is important for us to have both a high-level understanding of our clients’ long-term outcome and also a deeper understanding of their specific goals. As each goal gets closer and the details become more clear we are able to help eliminate uncertainty and also provide a framework that allows flexibility. Our planning process helps us to review your goals frequently and make changes to get the best outcome possible.
Redefining Wealth in the 21st Century
As your life and career evolve, so do your goals. We help you answer critical financial questions, adapting your strategy to reflect new priorities in your life and any significant changes in the marketplace. Here are just some of the questions we help our clients answer every day.
Financial Planning
I have so many things I want to do with my life. How does my approach with one of them impact all of them?
Learn more about Planning for Your Financial Future
Retirement Planning
Have we saved enough for retirement so we can maintain our current lifestyle without worrying we’ll run out of money?
"Overcoming Your 5 Biggest Retirement Challenges"
Estate Planning Strategies
How do I balancing leaving a lasting legacy with providing help for those who are important to me now?
Trust Services
What strategies should I consider that can help enhance my legacy and minimize my taxes?
Alternative Investments
When does it make sense to add alternative investments (such as real estate or private equities) to my investment strategy?
Learn more about Alternative Investments
Cash Management & Lending Products
How do I evaluate my liabilities when planning for retirement? For instance, should I pay off my mortgage?
Business Succession Planning
I’ve built a successful family business and am now starting to think about retirement. When should I discuss this with my children and what are the questions I should be prepared to answer?
Sustainable Investing
Is there a way to incorporate my personal values into the way I invest without giving up performance?
Learn more about Investing with Impact
Executive Benefit Services
As a leader at my company, I receive many benefits. How do I make sure I am optimizing them effectively? How much of my personal investments should be tied to my company?
LGBTQ Planning Services
My significant other and I are getting serious. What makes more sense for us: to marry or enjoy state-level relationship recognition?
Philanthropic Services
There are several organizations that are dear to me. How can I make sure my charitable donations are having the impact I want them to have as tax efficiently as possible?
Qualified Retirement Plans
What are the critical elements of a competitive retirement program to attract, retain and motivate employees and executives?
Exclusive Tools Designed Just for You
We provide access to a comprehensive suite of tools to help enhance every aspect of your financial life. Below are a few of the technologies we utilize every day. These tools have been designed exclusively for Morgan Stanley clients. We have also curated important resources from our firm that transform complex financial analysis and research into concise and easily digestible content.
Morgan Stanley Online (MSO)
When you sign up for MSO, you can conveniently and securely manage your account online or on your mobile device.
To learn more and to log in, click here
Digital Vault
The Digital Vault allows you to build a centralized library for all your documents using encryption.
To learn more, watch this video
Reserved Living and Giving
Reserved Living & Giving is a tiered complimentary loyalty program that rewards Morgan Stanley's most valued clients. The program is designed to enhance your lifestyle and relationship with the firm beyond traditional wealth management services.
To learn about current offers, click here
Portfolio Risk Platform – Powered by Aladdin
Portfolio Risk Platform – Powered by Aladdin is a risk management platform that provides comprehensive risk estimation and reporting across a broad range of asset classes and security types. This platform provides a holistic view to better enable risk to be effectively monitored and managed.
Learn how we mitigate risk
Total Wealth View
Total Wealth View allows you to link information from your accounts at other financial institutions directly to your Morgan Stanley Online or Morgan Stanley Mobile App. The ability to view all of your assets together provides the opportunity to advise on your accounts with your entire financial picture in mind.
Learn more about Total Wealth View
Goals Planning System (GPS)
GPS is our financial planning software. It helps define what you want out of life, so we can create a financial framework to bring these goals to fruition.
Online Security Center
Protecting your online security is our top priority at Morgan Stanley. We proactively defend our systems and monitor the threat landscape to help anticipate issues before they arise and respond appropriately when they do.
Learn more about our security measures
Investment Perspectives Webcast
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.
Check out the latest webcastLocation
2150 Highway 35
Suite 200
Sea Girt, NJ 08750
US
Direct:
(732) 974-5006(732) 974-5006
Meet The Rolling Wave Group
Laura H Longhi, CFP®
Vice President, Financial Advisor, Financial Planning Specialist
Phone:
(732) 974-5036(732) 974-5036
William Molloy, MBA®
First Vice President, Financial Advisor, Portfolio Manager
Phone:
(732) 974-5021(732) 974-5021
Kelly Nelson
Senior Client Service Associate
Phone:
(732) 974-5006(732) 974-5006
Christine Dziedzic
Client Service Associate
Phone:
(732) 974-5011(732) 974-5011
Jaime Sweeney
Client Service Associate
Phone:
(732) 435-2263(732) 435-2263
About Kevin R. Holt
Kevin brings more than 20 years of experience to his role as Senior Vice President and founding partner of The Rolling Wave Group at Morgan Stanley. He enjoys building deep and longstanding relationships with each of his clients, listening carefully to understand the intricate details of their personal wealth stories. For Kevin, professional achievement is measured in terms of client well-being and goal achievement through honest conversations where clients can be heard. He believes an emphasis on education and true understanding can lead to more confident investment decisions that can withstand any market cycle.
With an emphasis on financial planning and risk management strategies, Kevin enjoys working with like-minded clients who value and appreciate the highest level of service he and his team deliver. His goals-based process begins with asking the right questions and actively listening. This ongoing dialogue serves as the foundation for the development of a comprehensive plan that reflects each client’s goals for the future. Kevin receives great satisfaction knowing his clients turn to him in both good and tough times: when they want to share life’s celebrations and when need guidance on a challenging or complex issue.
A graduate of Rowan University, Kevin began his career in financial services in 2000 at Merrill Lynch. Over the years, he has remained dedicated to professional development, earning the industry’s most valued designations that include Certified Financial PlannerTM (CFP®), Certified Investment Management Analyst (CIMA®) and Certified 401(k) Professional (C(k)PTM). These credentials demonstrate Kevin’s unrelenting commitment to a world-class client experience.
Today, Kevin lives in Wall, NJ with his wife, Nikki, and children, Aiden and Lucia. An exercise enthusiast and runner, Kevin has run in several half marathons and hopes to participate in a full marathon someday soon. He loves the water and spends a lot of time throughout the year surfing. He also enjoys snowboarding in the winter. But his greatest joy is spending quality time with his family as much as he can.
With an emphasis on financial planning and risk management strategies, Kevin enjoys working with like-minded clients who value and appreciate the highest level of service he and his team deliver. His goals-based process begins with asking the right questions and actively listening. This ongoing dialogue serves as the foundation for the development of a comprehensive plan that reflects each client’s goals for the future. Kevin receives great satisfaction knowing his clients turn to him in both good and tough times: when they want to share life’s celebrations and when need guidance on a challenging or complex issue.
A graduate of Rowan University, Kevin began his career in financial services in 2000 at Merrill Lynch. Over the years, he has remained dedicated to professional development, earning the industry’s most valued designations that include Certified Financial PlannerTM (CFP®), Certified Investment Management Analyst (CIMA®) and Certified 401(k) Professional (C(k)PTM). These credentials demonstrate Kevin’s unrelenting commitment to a world-class client experience.
Today, Kevin lives in Wall, NJ with his wife, Nikki, and children, Aiden and Lucia. An exercise enthusiast and runner, Kevin has run in several half marathons and hopes to participate in a full marathon someday soon. He loves the water and spends a lot of time throughout the year surfing. He also enjoys snowboarding in the winter. But his greatest joy is spending quality time with his family as much as he can.
Securities Agent: HI, WA, NY, DE, CA, AZ, TX, NJ, VT, NC, MI, MA, NV, KS, IL, GA, WV, VA, MD, IN, SC, PA, OH, FL, OR, ID, CT, CO; BM/Supervisor; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 579557
NMLS#: 579557
About Laura H Longhi
Laura is a Certified Financial Planner™ and founding partner at The Rolling Wave Group, a highly skilled advisory team located in Sea Girt, NJ. With energy and enthusiasm, Laura empowers clients to achieve new levels of success through a disciplined and personalized approach to financial planning. She enjoys helping individuals, families, and business owners understand their full financial picture, so they can identify and overcome any obstacles, while achieving their specific financial goals.
Laura’s comprehensive financial planning process focuses on building personal relationships with her clients to understand their values, needs, and the why behind them. Her approachable style helps educate clients so that they can make well-informed decisions, while maintaining the discipline necessary to navigate today’s changing markets. Sharing insights from others who have experienced similar situations in life and business allows Laura to think outside of the box when making recommendations. Laura takes great pride in providing her clients with the highest level of service on both sides of their balance sheet.
Growing up in Brielle, Laura attended Rutgers University where she earned her Bachelor’s degree in Economics in 2012. Upon graduation, she joined Merrill Lynch as a Financial Advisor. Throughout her career, she has remained committed to advanced education for herself and her clients. She earned her Certified Financial Planner™ designation in 2017.
Laura believes balance is vital to a happy life. She lives in Point Pleasant with her husband, Ludovico, and son, Levi. Outside of the office she enjoys giving back to the community in which she grew up. Laura also loves to do Pilates, host dinner parties, and spends most of her time with her large and extended family.
Laura’s comprehensive financial planning process focuses on building personal relationships with her clients to understand their values, needs, and the why behind them. Her approachable style helps educate clients so that they can make well-informed decisions, while maintaining the discipline necessary to navigate today’s changing markets. Sharing insights from others who have experienced similar situations in life and business allows Laura to think outside of the box when making recommendations. Laura takes great pride in providing her clients with the highest level of service on both sides of their balance sheet.
Growing up in Brielle, Laura attended Rutgers University where she earned her Bachelor’s degree in Economics in 2012. Upon graduation, she joined Merrill Lynch as a Financial Advisor. Throughout her career, she has remained committed to advanced education for herself and her clients. She earned her Certified Financial Planner™ designation in 2017.
Laura believes balance is vital to a happy life. She lives in Point Pleasant with her husband, Ludovico, and son, Levi. Outside of the office she enjoys giving back to the community in which she grew up. Laura also loves to do Pilates, host dinner parties, and spends most of her time with her large and extended family.
Securities Agent: CT, CA, KS, SC, FL, IL, CO, HI, GA, AZ, VA, NV, NJ, WV, TX, PA, OR, DE, WA, OH, NC, MA, ID, AL, VT, NY, MI, MD, IN; General Securities Representative; Investment Advisor Representative
NMLS#: 1116100
NMLS#: 1116100
About William Molloy, MBA®
An industry veteran and founding partner of The Rolling Wave Group, Bill works closely with clients to help them navigate all aspects of their lives – from buying a home to enjoying retirement to managing their estate. He believes successful people all share a common bond: They encounter important life events that require timely guidance to help them make the right financial decisions for themselves, their careers, and their families. Bill wants to be there each step of the way. He has worked with many clients for more than 30 years and is now honored to work with many of their children as well.
Growing up in Monmouth County, Bill has always had an interest in the financial markets. Upon earning his B.B.A. degree from the University of Massachusetts at Amherst, Bill began his career at Dean Witter and has been in the industry ever since. His area of focus spans all asset classes. From a strong foundation in municipal bonds, his investment knowledge and experience has continued to expand over the years to include managed accounts (equity and fixed income) and alternative investments. Bill earned his MBA from Monmouth University in 1999.
Today, Bill draws upon his vast industry knowledge to provide clients with customized investment portfolios and tailored advice. He enjoys solving problems for clients and educating them about the markets. Above all, he excels at simplifying the complexities of investing. His extensive experience – coupled with his ability to decipher complicated financial matters – enables him to help clients understand the intricate details of their wealth, while guiding them towards the achievement of their personal and professional goals.
Bill has been calling Tinton Falls his home since the late 1990s, where he and his wife, Karen, have enjoyed raising their three children. A big sports enthusiast, Bill loves rooting for the NY Giants, as well as Ohio State and Rutgers (supporting his kids’ alma maters). He also enjoys bass fishing in the pond behind his house, taking his yellow lab out on long walks and spending quality time on family trips and vacations.
Growing up in Monmouth County, Bill has always had an interest in the financial markets. Upon earning his B.B.A. degree from the University of Massachusetts at Amherst, Bill began his career at Dean Witter and has been in the industry ever since. His area of focus spans all asset classes. From a strong foundation in municipal bonds, his investment knowledge and experience has continued to expand over the years to include managed accounts (equity and fixed income) and alternative investments. Bill earned his MBA from Monmouth University in 1999.
Today, Bill draws upon his vast industry knowledge to provide clients with customized investment portfolios and tailored advice. He enjoys solving problems for clients and educating them about the markets. Above all, he excels at simplifying the complexities of investing. His extensive experience – coupled with his ability to decipher complicated financial matters – enables him to help clients understand the intricate details of their wealth, while guiding them towards the achievement of their personal and professional goals.
Bill has been calling Tinton Falls his home since the late 1990s, where he and his wife, Karen, have enjoyed raising their three children. A big sports enthusiast, Bill loves rooting for the NY Giants, as well as Ohio State and Rutgers (supporting his kids’ alma maters). He also enjoys bass fishing in the pond behind his house, taking his yellow lab out on long walks and spending quality time on family trips and vacations.
Securities Agent: WA, NC, NV, OH, WV, AZ, VA, OR, MA, CO, MI, VT, IN, NJ, MD, ID, HI, GA, FL, NY, IL, KS, PA, CT, CA, TX, DE, SC; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 577426
NMLS#: 577426
About Kelly Nelson
As a Senior Client Service Associate, Kelly provides a wide range of services to the clients of The Rolling Wave Group. Her main responsibilities include account support, distributions and cash transfers, and various research-related activities.
Kelly has more than 35 years of experience in the financial services industry. Prior to joining Morgan Stanley in 2021, she worked at Merrill Lynch as a Resident Director Assistant, where she learned the basics of client account operations. Over the course of her career, she was also a Cashier and Client Associate. Rolling Wave Group clients know they can rely on Kelly to handle any administrative or operational request they have.
Kelly grew up in Middletown, NJ and currently lives in Point Pleasant with her husband, David. They have two grown sons, DJ and Liam. In her free time, Kelly enjoys spending time with family and friends. She also loves visiting Disney World and going to the beach.
Kelly has more than 35 years of experience in the financial services industry. Prior to joining Morgan Stanley in 2021, she worked at Merrill Lynch as a Resident Director Assistant, where she learned the basics of client account operations. Over the course of her career, she was also a Cashier and Client Associate. Rolling Wave Group clients know they can rely on Kelly to handle any administrative or operational request they have.
Kelly grew up in Middletown, NJ and currently lives in Point Pleasant with her husband, David. They have two grown sons, DJ and Liam. In her free time, Kelly enjoys spending time with family and friends. She also loves visiting Disney World and going to the beach.
About Christine Dziedzic
As a Client Service Associate, Chris focuses on building strong client relationships and providing superior service. A consummate professional, she is often the first line of contact on a wide range of client questions. Chris is involved in all aspects of client service – from onboarding new clients, to managing account maintenance issues to helping with 401(k) plans and team projects.
Growing up in South Amboy, Chris graduated from Rutgers University with a B.A. degree in Psychology and now lives in Toms River with her husband. They have two daughters. She began her career as a Client Associate at Merrill Lynch in 2014 and joined Morgan Stanley in 2021.
Outside of the office, Chris enjoys boating and spending time at the Jersey Shore with family and friends.
Growing up in South Amboy, Chris graduated from Rutgers University with a B.A. degree in Psychology and now lives in Toms River with her husband. They have two daughters. She began her career as a Client Associate at Merrill Lynch in 2014 and joined Morgan Stanley in 2021.
Outside of the office, Chris enjoys boating and spending time at the Jersey Shore with family and friends.
About Jaime Sweeney
Jaime is a Client Service Associate and the newest addition to The Rolling Wave Group, joining the team in 2022. She is involved in all aspects of client service and is dedicated to helping individuals, families and organizations solve their financial challenges and achieve their goals.
A native of Toms River, Jaime is a 2020 graduate of Georgian Court University, where she earned her B.S. degree in Accounting in three years and played for their women’s volleyball team. She was a member of the Phi Eta Sigma and the Delta Sigma Honor Societies and graduated cum laude within the University’s Honors Program. Upon graduation, Jaime joined a local accounting firm in Manalapan as a staff accountant, where she worked for two years before joining Morgan Stanley.
Outside of the office, Jaime continues to enjoy playing and coaching indoor and beach volleyball. She is the current head coach of a junior’s volleyball team in Ocean Country, motivating athletes to become well-rounded players and responsible young adults. She enjoys spending time with family, vacationing at Disney and hanging out at the Jersey shore.
A native of Toms River, Jaime is a 2020 graduate of Georgian Court University, where she earned her B.S. degree in Accounting in three years and played for their women’s volleyball team. She was a member of the Phi Eta Sigma and the Delta Sigma Honor Societies and graduated cum laude within the University’s Honors Program. Upon graduation, Jaime joined a local accounting firm in Manalapan as a staff accountant, where she worked for two years before joining Morgan Stanley.
Outside of the office, Jaime continues to enjoy playing and coaching indoor and beach volleyball. She is the current head coach of a junior’s volleyball team in Ocean Country, motivating athletes to become well-rounded players and responsible young adults. She enjoys spending time with family, vacationing at Disney and hanging out at the Jersey shore.
Contact Kevin R. Holt
Contact Laura H Longhi
Contact William Molloy, MBA®
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
Anthony Viskovic
Private Banker
Lauren Akers
Private Banker
About Anthony Viskovic
Anthony Viskovic is a Private Banker serving Morgan Stanley Wealth Management offices in New Jersey.
Private Bankers partner with 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.
Anthony began his career in financial services in 2004, and joined Morgan Stanley in 2010 as a Regional Lending Advisor. Prior to joining the firm, he was an Internal Banking Consultant at UBS Financial Services.
Anthony is a graduate of Rutgers University, where he received a Bachelor of Arts Degree in Economics. He lives in Ocean, New Jersey with his family. Outside of the office, Anthony enjoys being active, cooking, traveling and spending time with his family.
Private Bankers partner with 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.
Anthony began his career in financial services in 2004, and joined Morgan Stanley in 2010 as a Regional Lending Advisor. Prior to joining the firm, he was an Internal Banking Consultant at UBS Financial Services.
Anthony is a graduate of Rutgers University, where he received a Bachelor of Arts Degree in Economics. He lives in Ocean, New Jersey with his family. Outside of the office, Anthony enjoys being active, cooking, traveling and spending time with his family.
NMLS#: 1427370
About Lauren Akers
Lauren Akers is a Private Banker serving Morgan Stanley Wealth Management offices in New Jersey.
Private Bankers partner with 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.
Lauren began her career in financial services in 2011, and joined Morgan Stanley in 2013 as a Regional Transaction Manager for the Home Loans Division. Prior to joining the firm, she served as a Credit Analyst at PHH Mortgage.
Lauren is a graduate of Rider University, where she received a Bachelor of Science in Business Administration with a concentration in Finance. She and her family currently reside in Chesterfield, NJ. Outside of the office, Lauren dedicates her time to her family and a number of volunteer activities. Lauren also enjoys spending time with her 2 kitties, cooking, baking, reading, gardening, shopping. traveling and going to the beach. She remains active by exercising and participating in 5K runs.
Private Bankers partner with 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.
Lauren began her career in financial services in 2011, and joined Morgan Stanley in 2013 as a Regional Transaction Manager for the Home Loans Division. Prior to joining the firm, she served as a Credit Analyst at PHH Mortgage.
Lauren is a graduate of Rider University, where she received a Bachelor of Science in Business Administration with a concentration in Finance. She and her family currently reside in Chesterfield, NJ. Outside of the office, Lauren dedicates her time to her family and a number of volunteer activities. Lauren also enjoys spending time with her 2 kitties, cooking, baking, reading, gardening, shopping. traveling and going to the beach. She remains active by exercising and participating in 5K runs.
NMLS#: 1457897
Wealth Management
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Certified Financial Planner Board of Standards, Inc. (CFP Board) owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™, and CFP® (with plaque design) in the United States, which it authorizes use of by individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
1Morgan 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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2When 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.
3Morgan 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.
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 and other legal matters.
5Alternative 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.
6Morgan 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
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.
8When 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.
9The 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. Diversification does not guarantee a profit or protect against loss in a declining financial market.
10Morgan 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.
11Products and services are provided by third party service providers, not Morgan Stanley Smith Barney LLC (“Morgan Stanley”). Morgan Stanley may not receive a referral fee or have any input concerning such products or services. There may be additional service providers for comparative purposes. Please perform a thorough due diligence and make your own independent decision.
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, charitable giving, philanthropic planning and other legal matters.
12When 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.
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
1Morgan 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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2When 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.
3Morgan 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.
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 and other legal matters.
5Alternative 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.
6Morgan 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
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.
8When 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.
9The 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. Diversification does not guarantee a profit or protect against loss in a declining financial market.
10Morgan 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.
11Products and services are provided by third party service providers, not Morgan Stanley Smith Barney LLC (“Morgan Stanley”). Morgan Stanley may not receive a referral fee or have any input concerning such products or services. There may be additional service providers for comparative purposes. Please perform a thorough due diligence and make your own independent decision.
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, charitable giving, philanthropic planning and other legal matters.
12When 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.
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)
