Lisa Santo, CFP®
Managing Director, Wealth Management, Wealth Advisor, Family Wealth Director, Portfolio Management Director, Lending Specialist
Phone:
(212) 883-7707(212) 883-7707
The Santo, Weiss, Sherman and Livingston Partners at Morgan Stanley
Lisa Santo, CFP®David Livingston, CFA®, CPM®Lauren SantoDavid L. ShermanMarc TaylorCraig GoldmanPatrick Cefalu, CFP®
Direct:
(212) 883-7707(212) 883-7707
Toll-Free:
(866) 851-6999(866) 851-6999
Our Mission Statement
We plan and invest for multigenerational families through personalized investments, estate planning strategies and exceptional service.
Our Story and Client Services
We are proud and humbled to announce that our Team has been recognized as a "2026 Forbes Best-In-State Wealth Management Team" by Forbes.
Working with our dynamic and talented Team, you will discover a refreshingly different approach to managing your finances and the overall client relationship. Our Team structure, concierge-level services, extensive capabilities, and distinct focus on the client experience and meaningful relationship building are combined in an effort to create the ultimate Wealth Management experience for investors and their families striving to achieve targeted financial goals for generations to come.
We believe that success in achieving important financial goals starts with a comprehensive wealth strategy. We will help you define what is most important to you and then formulate the strategies that are appropriate for your needs, whether you are accumulating wealth or investing for income, solidifying your retirement plan or devising a distribution approach that helps meet your lifestyle and legacy goals. We will consider all aspects of your wealth picture and personal circumstances while working with your other trusted advisors to help you define and achieve your goals.
Disclaimer:
Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded Jan 2026) Data compiled by SHOOK Research LLC based for the period from 3/31/23–3/31/24.
https://www.morganstanley.com/disclosures/awards-disclosure/
Services Include
- Professional Portfolio ManagementFootnote1
- Equity Compensation
- Estate Planning StrategiesFootnote2
- Business Succession PlanningFootnote3
- Financial PlanningFootnote4
- 401(k) Rollovers
- Life InsuranceFootnote5
- Sustainable InvestingFootnote6
- 529 PlansFootnote7
- Cash ManagementFootnote8
- Fixed IncomeFootnote9
- Alternative InvestmentsFootnote10
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Awards, Recognition & Designations
Lisa Santo: 2025 & 2026 Forbes Best-In-State Wealth Advisor
Source: Forbes (Awarded April 2025, 2026). Data compiled by SHOOK Research LLC based for the period 6/30/23–6/30/24, 6/30/24–6/30/25.
Learn More
Lisa Santo: 2025 & 2026 Forbes Best-In-State Top Women Wealth Advisors
Source: Forbes (Awarded Feb 2025, 2026). Data compiled by SHOOK Research LLC based for the period 9/30/23-9/30/24, 6/30/24-6/30/25. https://lnkd.in/ebP8UsKp
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2026 Forbes Best-In-State Wealth Management Teams
The Santo, Weiss and Livingston Partners have been named to the 2023 - 2026 Forbes Best-In-State Wealth Management Teams ranking developed by SHOOK Research.
Source: Forbes.com (Awarded 2023 - 2025). Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of year prior to the issuance of the award.
Learn MoreSource: Forbes.com (Awarded 2023 - 2025). Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of year prior to the issuance of the award.
Lisa Santo: Forbes Best-In-State Wealth Advisors 2023
2023 Forbes Best-In-State Wealth Advisors
Source: Forbes.com (Awarded 2023). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
Learn MoreSource: Forbes.com (Awarded 2023). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
Lisa Santo: Forbes Top Women Wealth Advisors 2020-2022
2020-2022 Forbes America's Top Women Wealth Advisors & Forbes Top Women Wealth Advisors Best-In- State (formerly referred to as Forbes Top Women Wealth Advisors, Forbes America's Top Women Wealth Advisors)
Source: Forbes.com 2020-2022. Data compiled by SHOOK Research LLC based on 12-month time period concluding in Sept of year prior to the issuance of the award.
Learn moreSource: Forbes.com 2020-2022. Data compiled by SHOOK Research LLC based on 12-month time period concluding in Sept of year prior to the issuance of the award.
Lisa Santo: Working Mother Magazine’s List of Top Wealth Advisor Moms
"Working Mother Magazine & SHOOK Research's Top Wealth Advisor Moms
Source: Workingmother.com (Awarded Oct 2017) Data compiled by SHOOK Research LLC based on time period from 3/31/16 - 3/31/17.
"
Learn moreSource: Workingmother.com (Awarded Oct 2017) Data compiled by SHOOK Research LLC based on time period from 3/31/16 - 3/31/17.
"
Lisa Santo: Certified Financial Planner (CFP®)
Lisa Santo has received the Certified Financial Planner (CFP®) designation.
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David Livingston: Chartered Financial Analyst (CFA®)
David Livingston has received the Chartered Financial Analyst (CFA®) designation.
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David Livingston: Certified Portfolio Manager (CPM®)
David Livingston has received the Certified Portfolio Manager (CPM®) designation.
Learn MoreWhat Makes Us Great?
Since our founding in 1935, Morgan Stanley has consistently delivered first-class business in a first-class way. Underpinning all that we do are five core values - Do the Right Thing, Put Clients First, Lead with Exceptional Ideas, Commit to Diversity and Inclusion, and Give Back.
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For 90 years, Morgan Stanley has remained a global leader in the financial services industry, with the scale and stability to help bring you valuable opportunities. Our priority is managing wealth with the highest standard of care and providing premier financial advice to help support your goals at any stage of life.
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Complete your financial profile with Total Wealth View. By linking your external account information, you will benefit from more educated and holistic wealth planning, and convenient connectivity.
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2025 Federal Tax Tables
This document outlines the 2025 tax rate schedule, education and health savings account limits, retirement contribution and deduction limits, among other information.
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Thoughts on the Market Podcast
With perspectives on the forces shaping the market, Mike Wilson, Chief Investment Officer and Chief US Equity Strategist for Morgan Stanley, and his colleagues discuss a variety of viewpoints regarding the latest trends in the financial marketplace.
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On the Markets Weekly Research
Every month, Morgan Stanley’s top research analysts publish their On the Markets report, providing detailed market commentary on such topics as global equities, fixed income and monetary policy.
Read the most recent report
Trust & Estate Planning
Discussing the end of life and what happens to your assets is never an easy conversation to have, especially with family. But this type of planning is essential if you hope to ease what can be a difficult process for the people you love and to ensure that your wishes are respected.
Read about our estate planning resources
Tax Management Solutions
Tax-efficient investing techniques may help you lower your tax burden and grow your wealth. Using Morgan Stanley’s Total Tax 365 approach may help you save on taxes, build more wealth and maximize your giving.
Learn more about tax-efficient investing
Alternative Investment Solutions
Alternatives are the investments that go beyond traditional stocks and bonds. They can open doors to unique opportunities to help grow and protect your wealth, and have long sought to offer enhanced returns, portfolio diversification, lower volatility, as well as potential tax efficiency.
Learn more about Alternative InvestmentsLocation
55 East 52nd Street 10th
Fl
New York, NY 10055
US
Direct:
(212) 883-7707(212) 883-7707
Toll-Free:
(866) 851-6999(866) 851-6999
Meet The Santo, Weiss, Sherman and Livingston Partners
David Livingston, CFA®, CPM®
First Vice President, Financial Advisor, Senior Portfolio Manager, Chartered Financial Analyst, Alternative Investments Director
Phone:
(212) 883-8111(212) 883-8111
Phone:
(212) 883-7718(212) 883-7718
Executive Director, Wealth Management, Financial Advisor, Senior Portfolio Management Director
Phone:
(212) 883-7750(212) 883-7750
Marc Taylor
Senior Registered Client Service Associate
Phone:
(212) 883-8107(212) 883-8107
Craig Goldman
Business Development Director
Phone:
(212) 883-8167(212) 883-8167
Patrick Cefalu, CFP®
Client Service Associate
Phone:
(212) 883-7756(212) 883-7756
Ryan Turck
Client Service Associate
Phone:
(212) 883-7753(212) 883-7753
About Lisa Santo
With over 30 years of Wall Street experience, Lisa Santo joined Morgan Stanley in November 2005 after a lengthy career as a Senior Advisor at the boutique fixed income firm, Lebenthal. As a Morgan Stanley Financial Advisor and Portfolio Management Director, she provides customized investment strategies for affluent clients looking to manage, grow, preserve and transition their wealth.
Lisa’s practice has been built on long term relationships. Many of her clients have worked with her for decades, and their relationships have extended into multiple generations. She is readily available to her clients, and takes pride in earning their trust by always putting her clients and their needs first. Lisa designs and implements comprehensive wealth management strategies to provide sound investment advice combined with personalized attention and exceptional service to affluent and high net- worth clients.
She is a senior member of the Morgan Stanley’s Women’s Business Development Council and a member of the Association of Professional Investment Consultants. Additionally, Lisa has served on the firm’s GWMG Diversity Council and was a member of the firm’s prestigious Master’s Club in 2001. In 2017, Lisa was named as Working Mother Magazine’s Top Wealth Advisor Moms, which recognizes her professionalism and dedication to her valued clients. She is also one of a small number of Morgan Stanley advisors who have earned the designation as a Certified Financial Planner™( CFP®) and has earned the title of Dedicated Equity Plan Specialist and Insurance Planning Director.
Lisa currently lives in Sleepy Hollow, NY with her husband and their three children.
Lisa’s practice has been built on long term relationships. Many of her clients have worked with her for decades, and their relationships have extended into multiple generations. She is readily available to her clients, and takes pride in earning their trust by always putting her clients and their needs first. Lisa designs and implements comprehensive wealth management strategies to provide sound investment advice combined with personalized attention and exceptional service to affluent and high net- worth clients.
She is a senior member of the Morgan Stanley’s Women’s Business Development Council and a member of the Association of Professional Investment Consultants. Additionally, Lisa has served on the firm’s GWMG Diversity Council and was a member of the firm’s prestigious Master’s Club in 2001. In 2017, Lisa was named as Working Mother Magazine’s Top Wealth Advisor Moms, which recognizes her professionalism and dedication to her valued clients. She is also one of a small number of Morgan Stanley advisors who have earned the designation as a Certified Financial Planner™( CFP®) and has earned the title of Dedicated Equity Plan Specialist and Insurance Planning Director.
Lisa currently lives in Sleepy Hollow, NY with her husband and their three children.
Securities Agent: IL, WI, MD, NV, VT, TX, MO, CA, AK, UT, NY, MS, PR, MA, HI, DE, CT, NC, ME, FL, WA, VA, SC, GA, CO, AZ, TN, PA, RI, MI, OR, MN, DC, OH, NJ, NH; General Securities Principal; General Securities Representative; Investment Advisor Representative
NMLS#: 1273012
CA Insurance License #: 0F44283
NMLS#: 1273012
CA Insurance License #: 0F44283
About David Livingston
David Livingston has nearly 30 years of investment and private wealth management experience. He joined Morgan Stanley in 2014, after spending 12 years at UBS as a wealth advisor. Before moving to UBS, he advised High Net Worth individuals and institutional investors on emerging market investments at ANZ bank. He is one of a small number of Morgan Stanley advisors who have earned a Chartered Financial Analyst (CFA) designation. David also holds a Certified Portfolio Manager (CPM) designation.
David’s approach to helping investors obtain their goals starts with an emphasis on financial planning. His background in Psychology gives him a unique perspective when it comes to financial planning and wellness; his strategy aligns the investor’s entire balance sheet with their individual financial goals to create portfolios that keep clients invested in difficult markets, helping maximize the probability of meeting lifetime goals, while seeking to generate growth to benefit the next generation. David incorporates behavior based planning into his advisory practice, utilizing goals based investing and a bucketing approach to segregate assets into risk weighed portfolios. David has guided clients through three major market corrections and two recessions.
He is a member of the CFA institute, the New York Society of Security Analyst, and is an active member of the NYSSA Investment Strategy committee. In his free time, David enjoys skiing and running marathons. He currently lives in Sleepy Hollow, NY with his wife and three children.
David’s approach to helping investors obtain their goals starts with an emphasis on financial planning. His background in Psychology gives him a unique perspective when it comes to financial planning and wellness; his strategy aligns the investor’s entire balance sheet with their individual financial goals to create portfolios that keep clients invested in difficult markets, helping maximize the probability of meeting lifetime goals, while seeking to generate growth to benefit the next generation. David incorporates behavior based planning into his advisory practice, utilizing goals based investing and a bucketing approach to segregate assets into risk weighed portfolios. David has guided clients through three major market corrections and two recessions.
He is a member of the CFA institute, the New York Society of Security Analyst, and is an active member of the NYSSA Investment Strategy committee. In his free time, David enjoys skiing and running marathons. He currently lives in Sleepy Hollow, NY with his wife and three children.
Securities Agent: PR, AL, VT, OH, MI, DE, AK, IN, AZ, NV, DC, SC, OR, MD, VA, RI, GA, FL, NC, MN, CO, CA, NJ, IL, HI, CT, WI, WA, UT, TX, NY, NH, MA, PA, MS, MO, ME; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1437897
NMLS#: 1437897
About Lauren Santo
Lauren Santo is a Financial Advisor at Morgan Stanley in the New York City Metropolitan Area. Dedicated to building long-lasting relationships with clients and helping them to achieve their financial goals, Lauren focuses on overall wealth management through a holistic approach, which includes financial planning, education planning, tax-efficient investment planning, insurance planning and estate planning strategies.
Prior to joining Morgan Stanley in June 2023, Lauren began her career as a Project Manager at MUFG, where she skillfully orchestrated and executed various technology projects, ensuring timely delivery and adherence to project goals. She later transitioned to Bank of America as a Business Manager, where she oversaw operational functions and played a pivotal role in budgeting, planning and decision making for the FICC Technology organization. She graduated from Smith College in 2018 with a double major in Economics and Psychology. While at Smith, Lauren also participated in the highly-selective Smith-Tuck Business Bridge Program, which delivered a comprehensive business curriculum, taught by MBA faculty from the Tuck School of Business at Dartmouth.
Lauren holds the SIE, Series 7, Series 66, life and health insurance licenses, as well as the Financial Planning Specialist designation. Originally from Sleepy Hollow, NY, Lauren now resides in the Upper East Side and enjoys being outdoors and spending time with family and friends.
Prior to joining Morgan Stanley in June 2023, Lauren began her career as a Project Manager at MUFG, where she skillfully orchestrated and executed various technology projects, ensuring timely delivery and adherence to project goals. She later transitioned to Bank of America as a Business Manager, where she oversaw operational functions and played a pivotal role in budgeting, planning and decision making for the FICC Technology organization. She graduated from Smith College in 2018 with a double major in Economics and Psychology. While at Smith, Lauren also participated in the highly-selective Smith-Tuck Business Bridge Program, which delivered a comprehensive business curriculum, taught by MBA faculty from the Tuck School of Business at Dartmouth.
Lauren holds the SIE, Series 7, Series 66, life and health insurance licenses, as well as the Financial Planning Specialist designation. Originally from Sleepy Hollow, NY, Lauren now resides in the Upper East Side and enjoys being outdoors and spending time with family and friends.
Securities Agent: MD, DC, VA, RI, NY, MO, MI, IN, GA, WA, OR, NV, NC, MN, DE, CA, TX, SC, ME, AZ, AK, PA, IL, CT, CO, VT, PR, NH, FL, OH, HI, TN, MS, MA, AL, UT, NJ; General Securities Representative; Investment Advisor Representative
NMLS#: 2535215
NMLS#: 2535215
About David L. Sherman
As a Financial Advisor and Senior Portfolio Management Director, David has had the privilege of providing portfolio management and financial advisory services to individuals and companies for more than 30 years.
Recognizing that every client’s circumstances are unique, David focuses on what clients share in common: the goal of building a comfortable future for themselves and their families. David's investment philosophy is holistic and begins with careful listening to understand each client’s objectives, priorities, and concerns. From there, David develops a comprehensive financial strategy and constructs a portfolio aligned to the client’s goals and risk considerations. Together with his team, David places a high premium on client service and remains agile in adapting to an evolving market and world.
Recognizing that every client’s circumstances are unique, David focuses on what clients share in common: the goal of building a comfortable future for themselves and their families. David's investment philosophy is holistic and begins with careful listening to understand each client’s objectives, priorities, and concerns. From there, David develops a comprehensive financial strategy and constructs a portfolio aligned to the client’s goals and risk considerations. Together with his team, David places a high premium on client service and remains agile in adapting to an evolving market and world.
Securities Agent: AK, NH, KS, DC, CT, AL, PR, MN, ME, CA, OH, NJ, MD, GA, AZ, WA, VT, UT, TX, MO, VA, NC, MI, MA, CO, TN, NV, MS, FL, SC, PA, NY, IL, RI, OR, DE; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 1398697
NMLS#: 1398697
About Marc Taylor
Marc Taylor is a Senior Registered Client Service Associate with over 15 years of financial services industry experience. In this role, Marc focuses on operational client support, account maintenance, asset allocation reports and LifeView client goal analysis. He is also the annuity liaison for the team. Marc has been at Morgan Stanley for 10 years. Prior to Morgan Stanley, Marc was a sales associate at Lebenthal & Co. He is a graduate of Cornell University and is Series 7, Series 66, and annuity and insurance licensed. Marc currently lives in Carle Place, NY with his wife, son and Boston Terrier.
About Craig Goldman
Craig Goldman is a Wealth Management Associate with 12 years of financial services industry experience. In this role, he works closely with the Group's high net worth clients as well as administrative departments within the firm to help update trade models and facilitate client service and account maintenance. He is also the banking liaison for the team. Craig has been at Morgan Stanley for 10 years. Prior to Morgan Stanley, Craig was a sales associate at Lebenthal & Co. He is a graduate of The University of Hartford in West Hartford, CT and is Series 7 and Series 66 registered. Craig currently lives in Port Washington, NY with his wife, Jennifer, and his son and daughter Maxwell and Olivia.
About Patrick Cefalu
As a CERTIFIED FINANCIAL PLANNER TM (CFP®) I have a deep commitment to planning and client service. I lead our team’s financial planning process in developing holistic solutions tailored for a client’s unique set of goals. My role also includes the creation and implementation of customized trading strategies.
I bring over a decade of experience in global markets and wealth management. Prior to joining Morgan Stanley (2017), I began my year career in finance at UBS and worked on the interest rate derivative trading desk at Nomura Securities International.
I have a B.S. in Marketing and Finance from University of Scranton and reside in Garwood, New Jersey with my wife Minnel and our two children.
I bring over a decade of experience in global markets and wealth management. Prior to joining Morgan Stanley (2017), I began my year career in finance at UBS and worked on the interest rate derivative trading desk at Nomura Securities International.
I have a B.S. in Marketing and Finance from University of Scranton and reside in Garwood, New Jersey with my wife Minnel and our two children.
About Ryan Turck
As a Registered Client Service Associate my responsibilities include assisting the other members of the team with various day-to-day operations and client service requests.
I hold FINRA® Series 7 and 66 licenses and graduated Cum Laude from The University of Scranton (PA), where I earned a B.S. in Finance (2023). During my time as an undergraduate at Scranton, I was a 4-Year Letterwinner and Captain of the Men’s Lacrosse Team.
Prior to joining Morgan Stanley, I interned for a boutique wealth advisory practice and most recently, I interned for Mirae Asset Securities, a New-York based entity that operates an institutional capital markets platform servicing institutional investors.
I currently reside in Manhattan, New York. Outside of the office, I enjoy competing as a competitive weightlifter.
I hold FINRA® Series 7 and 66 licenses and graduated Cum Laude from The University of Scranton (PA), where I earned a B.S. in Finance (2023). During my time as an undergraduate at Scranton, I was a 4-Year Letterwinner and Captain of the Men’s Lacrosse Team.
Prior to joining Morgan Stanley, I interned for a boutique wealth advisory practice and most recently, I interned for Mirae Asset Securities, a New-York based entity that operates an institutional capital markets platform servicing institutional investors.
I currently reside in Manhattan, New York. Outside of the office, I enjoy competing as a competitive weightlifter.
Contact Lisa Santo
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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
Tony Silva
Private Banker
Walter J. Henry
Private Banker
Mary Beth Powers
Trust Specialist
About Tony Silva
Tony Silva is a Private Banker serving Morgan Stanley’s Wealth Management offices in New York City.
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.
Tony began his career in financial services in 1995, and joined Morgan Stanley in 2015. Prior to his current position, he was a Project Manager in our Home Loans organization. Prior to joining the firm, he held a number of roles at mortgage financing institutions.
Tony is a graduate of Rutgers University, where he received a Bachelor of Science in Management. He lives in Livingston, NJ with his family. Outside of the office, Tony enjoys traveling, playing soccer, and spending time with family and friends.
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.
Tony began his career in financial services in 1995, and joined Morgan Stanley in 2015. Prior to his current position, he was a Project Manager in our Home Loans organization. Prior to joining the firm, he held a number of roles at mortgage financing institutions.
Tony is a graduate of Rutgers University, where he received a Bachelor of Science in Management. He lives in Livingston, NJ with his family. Outside of the office, Tony enjoys traveling, playing soccer, and spending time with family and friends.
NMLS#: 217945
About Walter J. Henry
Walter Henry is a Private Banker serving Morgan Stanley Wealth Management offices in New York.
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.
Walter began his career in financial services in 1996 and joined Morgan Stanley in 2022 as an Associate Private Banker. Prior to joining the firm, he was a Wealth Management Banker at UBS Bank USA.
Walter is a graduate of Fairfield University, where he received a Bachelor of Science in Finance and Fordham University where he received an MBA in Finance. He lives in Sea Girt, New Jersey with his family. Outside of the office, Walter is a Sunday Usher at St. Mark’s Church in Sea Girt, and he enjoys playing golf, biking, and traveling.
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.
Walter began his career in financial services in 1996 and joined Morgan Stanley in 2022 as an Associate Private Banker. Prior to joining the firm, he was a Wealth Management Banker at UBS Bank USA.
Walter is a graduate of Fairfield University, where he received a Bachelor of Science in Finance and Fordham University where he received an MBA in Finance. He lives in Sea Girt, New Jersey with his family. Outside of the office, Walter is a Sunday Usher at St. Mark’s Church in Sea Girt, and he enjoys playing golf, biking, and traveling.
NMLS#: 1590965
About Mary Beth Powers
Mary Beth Powers is Executive Director and Trust Specialist for Morgan Stanley covering the New York Metro region, responsible for presenting Morgan Stanley’s third-party trustee partner platform to Morgan Stanley Wealth Management Financial Advisors, clients and prospects. Leveraging the capabilities of our trust company partners, Mary Beth assists to identify appropriate fiduciary solutions, which are essential to the management, preservation and transfer of accumulated wealth. This process includes coordination with the client’s financial, legal and tax advisors to ensure proper trust planning implementation.
Mary Beth has worked in the trust and estate services industry for over thirty years, primarily handling trust new business opportunities. Before joining Morgan Stanley, Mary Beth spent ten years as a senior vice president and regional trust specialist with Citigroup Trust in NYC.
Mary Beth received a Bachelor of Science from Seton Hall University, South Orange, New Jersey and is Series 7 and 63 licensed. She resides with her husband and family in Blauvelt, New York.
Mary Beth has worked in the trust and estate services industry for over thirty years, primarily handling trust new business opportunities. Before joining Morgan Stanley, Mary Beth spent ten years as a senior vice president and regional trust specialist with Citigroup Trust in NYC.
Mary Beth received a Bachelor of Science from Seton Hall University, South Orange, New Jersey and is Series 7 and 63 licensed. She resides with her husband and family in Blauvelt, New York.
Private Banking Group (PBG) Market Managers, Senior Private Bankers, Private Bankers, and Associate Private Bankers are employees of Morgan Stanley Private Bank, National Association.
Banking products and services are offered by Morgan Stanley Private Bank, National Association, Member FDIC.
Morgan 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
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 trusts, estate planning, charitable giving, philanthropic planning and other legal matters.
Morgan Stanley does not accept appointments, nor will it act as a trustee, but it will provide access to trust services through an appropriate third-party corporate trustee.
Trusts are not necessarily appropriate for all clients. There are risks and considerations which may outweigh any potential benefits. Establishing a trust will incur fees and expenses which may be substantial. Trusts often incur ongoing administrative fees and expenses such as the services of a corporate trustee, attorney, or tax professional.
Trust services are provided by third parties who are not affiliated with Morgan Stanley. Neither Morgan Stanley nor its affiliates are the provider of such trust services and will not have any input or responsibility concerning a client’s eligibility for, or the terms and conditions associated with these trust services. Neither Morgan Stanley nor its affiliates shall be responsible for any advice or services provided by the unaffiliated third parties. Morgan Stanley or its affiliates may participate in transactions on a basis separate from the referral of clients to these third parties and may receive compensation in connection with referrals made to them.
Banking products and services are offered by Morgan Stanley Private Bank, National Association, Member FDIC.
Morgan 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
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 trusts, estate planning, charitable giving, philanthropic planning and other legal matters.
Morgan Stanley does not accept appointments, nor will it act as a trustee, but it will provide access to trust services through an appropriate third-party corporate trustee.
Trusts are not necessarily appropriate for all clients. There are risks and considerations which may outweigh any potential benefits. Establishing a trust will incur fees and expenses which may be substantial. Trusts often incur ongoing administrative fees and expenses such as the services of a corporate trustee, attorney, or tax professional.
Trust services are provided by third parties who are not affiliated with Morgan Stanley. Neither Morgan Stanley nor its affiliates are the provider of such trust services and will not have any input or responsibility concerning a client’s eligibility for, or the terms and conditions associated with these trust services. Neither Morgan Stanley nor its affiliates shall be responsible for any advice or services provided by the unaffiliated third parties. Morgan Stanley or its affiliates may participate in transactions on a basis separate from the referral of clients to these third parties and may receive compensation in connection with referrals made to them.
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- Impact Investing
Iran Conflict: Seven Takeaways for Investors
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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
529 Plans: A Powerful Tool to Save for Education
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Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Financial Planning for Life After Selling a Business
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Philanthropy
Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
- Foundations
- Donor Advised Funds
- Impact Investing
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.
Ready to start a conversation? Contact The Santo, Weiss, Sherman and Livingston Partners today.
Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization’s initial and ongoing certification requirements to use the certification marks.
1Morgan 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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan 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.
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 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.
5Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
6Investing in the market entails the risk of market volatility. The value of all types of investments may increase or decrease over varying time periods. The returns on a portfolio consisting primarily of sustainable or impact investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because sustainability and impact 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.
7Investors should consider many factors before deciding which 529 plan is appropriate. Some of these factors include: the Plan's investment options and the historical investment performance of these options, the Plan's flexibility and features, the reputation and expertise of the Plan's investment manager, Plan contribution limits and the federal and state tax benefits associated with an investment in the Plan. Some states, for example, offer favorable tax treatment and other benefits to their residents only if they invest in the state's own Qualified Tuition Program. Investors should determine their home state's tax treatment of 529 plans when considering whether to choose an in-state or out-of-state plan. Investors should consult with their tax or legal advisor before investing in any 529 Plan or contact their state tax division for more information. Morgan Stanley Smith Barney LLC does not provide tax and/or legal advice. Investors should review a Program Disclosure Statement, which contains more information on investment options, risk factors, fees and expenses and possible tax consequences.
8Morgan 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
9Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
10Alternative 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.
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 Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.
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 | Morgan Stanley
1Morgan 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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan 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.
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 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.
5Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
6Investing in the market entails the risk of market volatility. The value of all types of investments may increase or decrease over varying time periods. The returns on a portfolio consisting primarily of sustainable or impact investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because sustainability and impact 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.
7Investors should consider many factors before deciding which 529 plan is appropriate. Some of these factors include: the Plan's investment options and the historical investment performance of these options, the Plan's flexibility and features, the reputation and expertise of the Plan's investment manager, Plan contribution limits and the federal and state tax benefits associated with an investment in the Plan. Some states, for example, offer favorable tax treatment and other benefits to their residents only if they invest in the state's own Qualified Tuition Program. Investors should determine their home state's tax treatment of 529 plans when considering whether to choose an in-state or out-of-state plan. Investors should consult with their tax or legal advisor before investing in any 529 Plan or contact their state tax division for more information. Morgan Stanley Smith Barney LLC does not provide tax and/or legal advice. Investors should review a Program Disclosure Statement, which contains more information on investment options, risk factors, fees and expenses and possible tax consequences.
8Morgan 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
9Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
10Alternative 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.
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 Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.
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 | Morgan Stanley
CRC 4665150 (8/2025), 4763067 (9/2025)
