Hirsh Zyskind, CEPA®, QPFC, CFP®
Managing Director, Wealth Management, Financial Advisor, Chartered Retirement Planning Counselor
Phone:
(732) 505-4791(732) 505-4791
The Zyskind Group at Morgan Stanley
Direct:
(732) 505-4791(732) 505-4791
Our Mission Statement
We seamlessly blend the personalized attention of a boutique wealth management service with the unparalleled resources and financial expertise of Morgan Stanley. By delivering tailored financial solutions, we aim to empower our clients with the best of both worlds, ensuring a unique and comprehensive wealth management service.
Our Story and Services
Welcome to The Zyskind Group, where we revolutionize wealth management into a personalized journey tailored to your unique story. Established in 2013 by Hirsh Zyskind, our group functions as a boutique within the expansive framework of Morgan Stanley, seamlessly blending personalized service with institutional strength.
At our core is a devoted team of Advisors, Portfolio and Investment Managers, and carefully chosen support staff. We specialize in comprehending the individual and distinct circumstances of our clients, collaboratively addressing their financial needs and aspirations.
Our diverse clientele comprises affluent individuals, families, businesses, and non-profits both locally and nationwide. We take pride in our expanding team, a testament to our unwavering commitment to service excellence.
The Zyskind Group adopts a comprehensive, transparent, and disciplined process that facilitates seamless collaboration with our clients' Attorneys, Accountants, and Bankers. We consider external factors such as tax and estate planning, ensuring a holistic approach to wealth management.
Operating as a boutique within a global bank, we provide a range of family office services, including wealth management planning, investment advisory services, personal banking, philanthropic consulting, and a friendly ear whenever you need it.
Our passion is driven by the positive impact we create in the lives of the families and organizations we serve. Understanding the trust our clients place in us, we feel honored to be part of their unique financial story.
At our core is a devoted team of Advisors, Portfolio and Investment Managers, and carefully chosen support staff. We specialize in comprehending the individual and distinct circumstances of our clients, collaboratively addressing their financial needs and aspirations.
Our diverse clientele comprises affluent individuals, families, businesses, and non-profits both locally and nationwide. We take pride in our expanding team, a testament to our unwavering commitment to service excellence.
The Zyskind Group adopts a comprehensive, transparent, and disciplined process that facilitates seamless collaboration with our clients' Attorneys, Accountants, and Bankers. We consider external factors such as tax and estate planning, ensuring a holistic approach to wealth management.
Operating as a boutique within a global bank, we provide a range of family office services, including wealth management planning, investment advisory services, personal banking, philanthropic consulting, and a friendly ear whenever you need it.
Our passion is driven by the positive impact we create in the lives of the families and organizations we serve. Understanding the trust our clients place in us, we feel honored to be part of their unique financial story.
Services Include
- Retirement PlanningFootnote1
- Qualified Retirement PlansFootnote2
- Defined Contribution PlansFootnote3
- Estate Planning StrategiesFootnote4
- Life InsuranceFootnote5
- Endowments and FoundationsFootnote6
- Alternative InvestmentsFootnote7
- Structured ProductsFootnote8
- Planning for Education FundingFootnote9
- Cash Management and Lending ProductsFootnote10
- Executive Financial ServicesFootnote11
- AnnuitiesFootnote12
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Our Suite of Services
As wealth grows, so do its complexities, requiring a nuanced approach to effective management. Our experience and relationships enable us to deliver tailored, innovative strategies to address your unique needs. Explore our offering below and discover how we simplify the journey of managing your wealth.
Financial Planning
Financial planning is the cornerstone of our wealth management at The Zyskind Group. It's a strategic tool that helps our clients articulate and achieve their unique financial goals. By analyzing income, expenses, investments, and incorporating tax and estate planning, we craft personalized strategies that optimize wealth creation and help ensure long-term financial well-being. At its core effective financial planning is the key to a purposeful and successful financial journey
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Retirement Planning
One of our key areas of focus is helping you prepare for and thrive in retirement. From IRAs to RMDs, we manage the complexities of your comprehensive retirement plan assets, helping you easily transition to the next phase of your life with security and confidence.
Retirement Plans 2023 Quick Reference Guide
Professional Portfolio Management
Managing an investment portfolio should be a consultative, disciplined process that balances your attitudes about investing with careful analysis of the financial markets. Working together, we create a customized strategy that applies long-held investment principles to help your assets appreciate appropriately or generate cash-flow or income as you require.
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Cash Management & Lending Services
Creating adequate cash flow and securing liquidity are the day-to-day aspects of implementing a financial strategy. We help you meet your personal cash management and borrowing needs, while thinking strategically about how specific approaches may affect current and long-term costs and taxes.
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Philanthropic Planning
Your set of Philanthropic objectives is as personal as your vision of a better world. Determining your objectives however, can be challenging when there are so many worthy causes and so many unmet needs.
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Trust & Estate Planning
Delivering an estate to the next generation or favorite charity requires more attention than families often realize. We coordinate with your estate and tax professionals to align your legacy goals with the appropriate asset tilting and beneficiary designation requirements, incorporating best practices to help enhance results.
Learn MoreAwards and Designations
Forbes Best-In-State Wealth Advisors
2021,2022 Forbes Best-In- State Wealth Advisors
Source: Forbes.com (Awarded 2021,2022). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
https://www.morganstanley.com/disclosures/awards-disclosure.html
Source: Forbes.com (Awarded 2021,2022). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
https://www.morganstanley.com/disclosures/awards-disclosure.html
Forbes Top Next-Gen Wealth Advisors
(Source: Source: Forbes.com (Awarded 2022,2021 ). Data compiled by SHOOK Research LLC based on 12-month period concluding in Mar of the year the award was issued.)
Forbes Best-In-State Next-Gen Wealth Advisors
2022 Top Next-Gen Wealth Advisors Best-In-State
Source: Forbes.com (Awarded 2022). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
Source: Forbes.com (Awarded 2022). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
CERTIFIED FINANCIAL PLANNER™
The CERTIFIED FINANCIAL PLANNER™ (CFP®) program demonstrates an advisor's dedication to personal financial planning and their expertise in this field. As part of their certification, all CFP® professionals commit to CFP Board's Code of Ethics and Standards of Conduct, which means they commit to work in their clients' best interests at all times when providing financial advice.
Qualified Plan Financial Consultant
This designation was developed for Financial Advisors with the expertise and knowledge necessary to help clients make informed decisions when it comes to their retirement plans.
CERTIFIED EXIT PLANNING ADVISOR
This CEPA® is a unique credential that allows professional advisors to deeply engage with business owners and help them plan every aspect of their personal finances.
Portfolio Management Director
The Portfolio Management Director Designation Program was developed for Financial Advisors who have significantly incorporated portfolio management into their practice.
Alternative Investment Director
Alternative Investments Director Designation Program was developed for Financial and Private Wealth Advisors who have significantly incorporated Alternative Investments into their practice.
Our Process: Focused On You.
At the Zyskind Group, we utilize a systematic consulting process to uncover your most important goals, and implement appropriate solutions to help empower you to achieve and maintain financial success. Throughout our four-step process, we provide objective advice and investment insights to design an all-inclusive plan that is uniquely yours.
(1) Setting Your Financial Objectives
Through a consultative discovery process, we will work with you to articulate your objectives for your wealth. We will examine current and expected liabilities, income sources and cash flow needs, and consider all future factors that may influence your overall strategy. These factors include risk tolerance, tax concerns, liquidity needs, and time horizon. Through deliberate analysis, We will look for potential obstacles that may exist between you and your goals, and develop sound strategies to help enhance the plan.
(2) Creating Your Strategy
Your input drives the development of a personalized
financial strategy designed to help meet your specific
goals. Depending on your discovery process, your plan may include ideas regarding retirement planning, business continuation, tax minimization potential, and wealth transfer/estate planning strategies. When our analysis is complete, we will present an investment strategy that helps identify appropriate diversification for your portfolio. When our analysis is complete, we will present an investment strategy that helps identify appropriate diversification for your portfolio.
financial strategy designed to help meet your specific
goals. Depending on your discovery process, your plan may include ideas regarding retirement planning, business continuation, tax minimization potential, and wealth transfer/estate planning strategies. When our analysis is complete, we will present an investment strategy that helps identify appropriate diversification for your portfolio. When our analysis is complete, we will present an investment strategy that helps identify appropriate diversification for your portfolio.
(3) Implementation
After refining your strategy, we will work closely with you to put the plan into effect. I can help identify specific stocks, bonds, and other securities that might be suitable to your portfolio. If you decide outside money managers would be a beneficial part of your plan, I can conduct research and analysis in order to decide which investment management firm/manager would be most suitable for you. No matter the approach, I will focus on helping you keep your strategy on track.
(4) Ongoing Communications and Reporting
Transparency is key to a successful long-term relationship. We make every effort to keep abreast of your changing financial needs and provide viable strategies to help you meet your goals. This means reviewing your portfolio together on a regular basis. When your circumstances change, we will work to revise your strategy and reposition your assets to reflect your new needs and goals.
Investor Resources
At the Zyskind Group at Morgan Stanley, we strive to simplify complex financial ideas so that our clients understand what is being done on their behalf to plan for their financial future. We are firm believers of providing our clients with as many resources as possible so they can stay informed about the latest market trends, outlooks, and breakdowns.
The Zyskind Group Newsletter
Check out the latest installment of our monthly Newsletter.
The Zyskind Group Newsletter
Mike Wilson: Thoughts On The Market
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.
This Week's Podcast With Mike Wilson
Global Investment Committee On The Markets
A monthly publication that summarizes the Global Investment Committee’s market outlook and contains thought-provoking essays that examine the forces shaping the investment landscape. Check out this month's edition below.
Read: "GIC On The Markets"
GIC Weekly
The Global Investment Committee's Lisa Shalett headlines this weekly look at markets, asset class performance and fixed income. Click the link below to read the full report.
Read: "GIC Weekly"
2024 Federal Income Tax Tables
For help filing your taxes this year, our team has published the 2024 tax tables for your reference. Please click the link below to view them.
Read: "Tax Tables"
Your Guide to Tax-Efficient Planning
The tax decisions you make today can help you save for years to come. Consider these smart tax strategies for your financial plan.
Read: "Your Guide to Tax-Efficient Planning"
Liquidity Access Lines
Liquidity access lines (LAL) are a powerful tool for raising funds that Morgan Stanley offers. These allow you to borrow against your portfolio, rather than from it, which helps avoid the risk of incurring capital gains tax, disturbing your strategic asset allocation or selling out of the market at the wrong time.
Learn More: "Liquidity Access Lines"
Your Guide to Life & Money
Young adults and their parents alike will find this useful guide to managing money early on. Avoid common pitfalls and set yourself (or your loved ones) up for success by clicking the link below.
Learn MoreLocation
1433 Hooper Ave
Suite 140
Toms River, NJ 08753
US
Direct:
(732) 505-4791(732) 505-4791
Meet The Zyskind Group
Phone:
(732) 505-4771(732) 505-4771
Margaret Lynch
Business Development Associate
Phone:
(732) 505-4792(732) 505-4792
Krisha Ashton
Senior Client Service Associate
Phone:
(732) 505-4793(732) 505-4793
Nicole Peters
Senior Client Service Associate
Phone:
(732) 505-4702(732) 505-4702
About Hirsh Zyskind
Hirsh Zyskind is a Managing Director and the head of The Zyskind Group at Morgan Stanley. Originally from Brooklyn, NY, Hirsh spent 25 years there before settling in New Jersey with his family. He obtained a bachelor's degree in Talmudic Law from Beth Medrash Gohova after which he began his journey into finance at Charter Capital Resources, where he honed his skills as a financial consultant for four years. In 2013, he joined Merrill Lynch, where he spent 11 years sharpening his knowledge and building lasting relationships with his clients. In 2022, he brought his wealth of experience to Morgan Stanley, where he continues to thrive.
Outside of the office, Family is at the core of Hirsh's life, and he cherishes spending quality time with his wife and children. Hirsh is also a passionate advocate for philanthropy, volunteering his time for charitable causes close to his heart. He believes in giving back to the community and making a positive impact wherever he can.
When he's not busy with family or his philanthropic endeavors, you can find Hirsh immersed in continuous learning as well as staying up-to-date with market trends and advancements in the world of finance. He is a proud holder of the Certified Financial Planner™ (CFP®), Qualified Plan Financial Consultant (QPFC®), and Certified Exit Planning Advisor (CEPA®) certifications.
Hirsh operates his team as a boutique within one of the premier financial institutions in the world, providing a range of family office services, including financial planning, investment advisory services, personal banking, philanthropic consulting, and a friendly ear whenever you need it. With a blend of expertise, integrity, and a genuine commitment to his clients' success, Hirsh is your partner in navigating the complexities of wealth enhancement, transfer, and protection.
Outside of the office, Family is at the core of Hirsh's life, and he cherishes spending quality time with his wife and children. Hirsh is also a passionate advocate for philanthropy, volunteering his time for charitable causes close to his heart. He believes in giving back to the community and making a positive impact wherever he can.
When he's not busy with family or his philanthropic endeavors, you can find Hirsh immersed in continuous learning as well as staying up-to-date with market trends and advancements in the world of finance. He is a proud holder of the Certified Financial Planner™ (CFP®), Qualified Plan Financial Consultant (QPFC®), and Certified Exit Planning Advisor (CEPA®) certifications.
Hirsh operates his team as a boutique within one of the premier financial institutions in the world, providing a range of family office services, including financial planning, investment advisory services, personal banking, philanthropic consulting, and a friendly ear whenever you need it. With a blend of expertise, integrity, and a genuine commitment to his clients' success, Hirsh is your partner in navigating the complexities of wealth enhancement, transfer, and protection.
Securities Agent: TX, NJ, CT, FL, DC, NY, UT, PR, PA, SC, CA, MO, MD, GA, IL, OH, MI, TN, MA, DE, AZ, WY, NV, VA; General Securities Representative; Investment Advisor Representative
NMLS#: 1116141
NMLS#: 1116141
About Me
Yehuda, originally from Detroit, Michigan, founded his own wholesale business in 2015. He managed day-to-day operations and oversaw all financial aspects of the company. After successfully growing and exiting the business, Yehuda redirected his efforts towards helping business owners manage their wealth. Leveraging his extensive business expertise, he now assists small business owners in managing all financial aspects of their lives.
Yehuda is dedicated to understanding the unique financial needs of each individual and supporting their current and future investment goals. Always prioritizing his clients' interests, Yehuda strives to provide valuable guidance and input on important, life-impacting decisions. He is particularly skilled in navigating complex wealth management issues, such as estate and tax planning strategies, and collaborates with accountants and lawyers to ensure a comprehensive approach to wealth management.
Outside the office, Yehuda's life revolves around his family. He treasures quality time with his wife and three boys. A dedicated advocate for philanthropy, Yehuda volunteers for causes close to his heart. He is particularly passionate about teaching the next generation responsible financial behavior. Yehuda is committed to giving back to the community and making a positive impact whenever possible.
Yehuda is dedicated to understanding the unique financial needs of each individual and supporting their current and future investment goals. Always prioritizing his clients' interests, Yehuda strives to provide valuable guidance and input on important, life-impacting decisions. He is particularly skilled in navigating complex wealth management issues, such as estate and tax planning strategies, and collaborates with accountants and lawyers to ensure a comprehensive approach to wealth management.
Outside the office, Yehuda's life revolves around his family. He treasures quality time with his wife and three boys. A dedicated advocate for philanthropy, Yehuda volunteers for causes close to his heart. He is particularly passionate about teaching the next generation responsible financial behavior. Yehuda is committed to giving back to the community and making a positive impact whenever possible.
Securities Agent: DC, NJ, CT, NY, MD, FL, UT, MI, IL, TX, PA, NV, PR, GA, SC, WY, OH, MA, AZ, TN, MO, DE, CA, VA; General Securities Representative; Investment Advisor Representative
NMLS#: 2058774
NMLS#: 2058774
About Margaret Lynch
Margaret Lynch is a Business Development Associate on The Zyskind Group at Morgan Stanley with an impressive 40 years of industry experience. Margaret has dedicated 15 years to Merrill Lynch and 25 years to Dean Witter/Morgan Stanley, showcasing her deep expertise. In her role, Margaret excels in cultivating and enhancing client relationships, delivering exceptional service, and efficiently handling client requests. With responsibilities ranging from onboarding new clients to preparing financial plans, client reports, and meeting materials, she ensures a seamless wealth management experience. Margaret holds both the Series 7 and Series 66 designations. Outside the financial services realm, Margaret finds joy in Toms River, NJ, where she resides with her husband Richard of 40 years and their cherished dog Orea. A family-oriented individual, Margaret adores spending time with her two daughters and four grandchildren as well as exploring cultural venues like plays and museums. Lastly she is passionate about history and travel which manifests in her visiting many historic sites.
About Krisha Ashton
Krisha Ashton is a Senior Client Service Associate on The Zyskind Group at Morgan Stanley, bringing seven years of experience from Merrill Lynch/Bank of America and a year of service at Morgan Stanley. In her role, Krisha excels in cultivating and enhancing client relationships, delivering exceptional service, and managing various aspects of client interactions, from processing requests to resolving inquiries. Her expertise extends to onboarding new clients and preparing crucial materials for client meetings, ensuring a seamless and comprehensive client experience. Krisha holds both the Series 7 and Series 66 designations. With a background as a Branch Manager at Bank of America for five years, Krisha has a well-rounded understanding of the financial services industry. Outside of the financial world, Krisha resides in Lacey Township, NJ, with her four children. She finds joy in attending their sporting events, cheering them on in baseball, football, and basketball. As a fitness enthusiast, Krisha dedicates time daily to her working out at the gym. A compassionate pet owner, she welcomed Max, a rescued dog, into her family.
Contact Hirsh Zyskind
Contact Yehuda Goldfein
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
Adrian Schwartz, CFP®
Financial Planning Director, Vice President
Joe Saadi
Trust Specialist
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 Adrian Schwartz
Adrian Schwartz is a Vice President and Financial Planning Director serving Morgan Stanley’s Wealth Management offices the Greater Philadelphia and Coastal New Jersey markets. He is responsible for helping Financial Advisors with their clients’ and prospects’ financial planning needs.
Adrian began his career in financial services in 2011 and joined Morgan Stanley in 2021. Prior to his current position, Adrian worked at TD Ameritrade in New York where he worked with some of the firm’s wealthiest clients in the region and managed two branches.
Adrian graduated from Rutgers Business School with an MBA and holds his CERTIFIED FINANCIAL PLANNER designation. Adrian lives in Manalapan, NJ with his wife and two young children. Outside of work, Adrian spends most of his time with his family. When the opportunity presents itself, he also enjoys playing guitar and golfing.
Adrian began his career in financial services in 2011 and joined Morgan Stanley in 2021. Prior to his current position, Adrian worked at TD Ameritrade in New York where he worked with some of the firm’s wealthiest clients in the region and managed two branches.
Adrian graduated from Rutgers Business School with an MBA and holds his CERTIFIED FINANCIAL PLANNER designation. Adrian lives in Manalapan, NJ with his wife and two young children. Outside of work, Adrian spends most of his time with his family. When the opportunity presents itself, he also enjoys playing guitar and golfing.
About Joe Saadi
Joseph Saadi is the Regional Trust Specialist for Morgan Stanley’s Central Region. Within the Trust Services Group, Joe is responsible for delivering the “Open Architecture” trustee platform, which consists of several unaffiliated third-party trust companies who serve in a fiduciary, agency or custodial role for high-net-worth and ultra-high-net-worth families. Joe and the Trust Services Group help Morgan Stanley Financial Advisors, clients, prospects and the professional community understand the corporate trustee services available through Morgan Stanley and how their corporate trustee partners provide fiduciary services to clients. The process involves reviewing trust documents and statements as well as analyzing family dynamics. Joe then uses this information to help clients select one or more of the Firm’s corporate trustee partners to possibly serve as trustee, co-trustee or administrative agent for client trust accounts.
Prior to joining the firm, Joe’s 30 years of legal and comprehensive wealth planning experience include positions as Managing Director at TIAA Trust Company, Market Trust Director at JP Morgan Trust Company, Trust & Estate Specialist at Merrill Lynch Trust Company, and District Attorney General at the Ohio Attorney General’s Office.
Joe obtained his Bachelor of Science in Business Administration degree from John Carroll University and his Juris Doctor from Cleveland-Marshall College of Law. Joe is a member of the State Bar of Ohio and holds his Series 7 and 66 licenses.
Prior to joining the firm, Joe’s 30 years of legal and comprehensive wealth planning experience include positions as Managing Director at TIAA Trust Company, Market Trust Director at JP Morgan Trust Company, Trust & Estate Specialist at Merrill Lynch Trust Company, and District Attorney General at the Ohio Attorney General’s Office.
Joe obtained his Bachelor of Science in Business Administration degree from John Carroll University and his Juris Doctor from Cleveland-Marshall College of Law. Joe is a member of the State Bar of Ohio and holds his Series 7 and 66 licenses.
Wealth Management
Global Investment Office
Portfolio Insights
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Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
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
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
Donor Advised Funds: A Smart Way to Manage Your Giving
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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 Zyskind Group today.
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.
1When 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.
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.
3When 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.
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.
5Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
6Morgan 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.
7Alternative 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.
8Structured Investments are complex and not appropriate for all investors. An investment in structured investments involves risks. These risks can include but are not limited to: fluctuations in the price, level or yield of underlying asset(s), interest rates, currency values and credit quality, substantial loss of principal, limits on participation in appreciation of underlying asset(s), limited liquidity, credit risk, and/or conflicts of interest. Many structured investments do not pay interest or guarantee a return above principal at maturity. Investors should read the security’s offering documentation prior to making an investment decision.
9When 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 always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
10Morgan 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
11Morgan 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.
12Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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
1When 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.
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.
3When 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.
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.
5Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
6Morgan 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.
7Alternative 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.
8Structured Investments are complex and not appropriate for all investors. An investment in structured investments involves risks. These risks can include but are not limited to: fluctuations in the price, level or yield of underlying asset(s), interest rates, currency values and credit quality, substantial loss of principal, limits on participation in appreciation of underlying asset(s), limited liquidity, credit risk, and/or conflicts of interest. Many structured investments do not pay interest or guarantee a return above principal at maturity. Investors should read the security’s offering documentation prior to making an investment decision.
9When 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 always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
10Morgan 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
11Morgan 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.
12Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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)