My Story and Services

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.
Services Include
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
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. My team's 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.
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    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 Quick Reference Guide
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    Professional Portfolio Management
    Managing an investment portfolio should be a consultative, disciplined process that balances your attitudes about investing with careful analysis of the financial markets. Working together, we create a customized strategy that applies long-held investment principles to help your assets appreciate appropriately or generate cash-flow or income as you require.
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    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.
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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.
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    (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.
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    (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.
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    (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.
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    (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.

Welcome to our Life Navigator

One of our goals at The Zyskind Group is to help our clients navigate different life events. Here you will find a wide range of content and materials covering a variety of life events and milestones that you might face.
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    Birth
    Welcoming a child into the family is a joyous occasion for everyone—for parents, grandparents, aunts, uncles, siblings, cousins and other extended family members. As a trusted advisor to our clients, we play a critical role in helping you plan and prepare for the financial components that a new child introduces into your lives—everything from planning for the costs associated with birth, adoption or surrogacy; anticipating unexpected medical expenses; understanding gifting requirements; preparing for child care and planning for educational expenses.
    Click here for more information on preparing for educational expenses
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    Education
    Education is a major investment and expense for most of our clients—one that often requires years of careful, advanced planning. As educational costs continue to rise—from primary education through undergraduate, graduate and professional schools—we can help you approach the range of educational expenses, such as tuition, extension programs and advanced professional training, with appropriate funding strategies for your particular situations.
    Click here to visit out education planning center
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    Business/Work
    Many of our clients have complex business arrangements, from executive-level employment situations to various levels of investment in a multitude of business ventures—from startups to established enterprises. As their financial advisor, we play a critical role in helping them navigate the complexities of business ownership, investment and associated activities such as selling, divesting or planning for succession.

    Typically, we encounter three primary scenarios with our clients:

    - Starting a business
    - Funding a business
    - Exiting a business
    Click here to learn more about building a startup
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    Marriage
    There are few events more exciting than when our client decides to align their life with the person they love. Of course, there are conversations you should have with your partner before tying the knot. One of the most important is about money—how you will make it, save it, spend it and invest it. In addition, helping fund an adult child’s wedding is a goal for many parents (and grandparents). As your financial advisor, we can play an important role in helping you plan for these milestones and guiding your conversations.
    Click here for questions to ask your partner before you commit
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    Post-Career
    Today's 65-year-olds have a high likelihood of living until their mid-80s, and it's not uncommon anymore to reach substantially beyond that. That means you need to plan for a retirement that will span two decades and potentially much more. Longer retirements are great outcomes, but also place a great deal of stress on a household’s finances. As your financial advisor, we make sure to put a plan in place so that you are able to take on any curveball retirement may throw at you.
    Click here to learn about 5 mistakes to avoid in retirement
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    Caregiving
    Health care costs are rising—especially for retirees, and many will need long-term care. Learn the moves you can make to help prepare yourself.
    Click here to learn more about planning to fund long term care expenses
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    Death
    Dealing with death is never easy. Aside from coping with the loss of a loved one, legal matters also require immediate attention, including administration of the estate. Though it may be hard for individuals to talk about estate planning because of the heartache, addressing it promptly is crucial to saving both time and money, and to minimizing family conflict or confusion. Passing away without a will, known as intestacy, means the state determines how the deceased’s assets will be distributed, and this may not be consistent with the family’s wishes. Proceedings can also be painful and costly for the family.

    We believe that is better to plan ahead to ensure that your wishes and your will are followed. A proactive approach to estate planning as a family is better than a reactive one.
    Click here to learn about why you may want a trust

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.
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    The Zyskind Group Newsletter
    Check out the latest installment of our monthly newsletter.
    The Zyskind Group Newsletter
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    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
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    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"
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    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"
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    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"
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    Reducing Your Income & Portfolio Tax
    Achieving your investment goals isn’t just about maximizing returns. Minimizing the impact of taxation in your portfolio can also play a key role in helping you build wealth over the long run. As you review your income and portfolio, consider the steps in the document below to assist in minimizing taxes on your investments.
    Read: "These Steps May Reduce Taxes On Your Income & Portfolio"
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    Home Financing Options
    Government policies have opened up multiple options to finance the purchase of a new home. The following PDF outlines 4 options to helping you make the best possible decision and maximize your financial potential.
    Read: "Four Ways To Finance A Home Purchase"
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    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 More

Location

1433 Hooper Ave
Toms River, NJ 08753
US
Direct:
(732) 505-4771(732) 505-4771

Meet My Team

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.
Wealth Management
Global Investment Office

Portfolio Insights

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
4 Financially Smart Ways to Take Money Out of Retirement Accounts
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4 Financially Smart Ways to Take Money Out of Retirement Accounts

Discover how planning for required minimum distributions from retirement accounts can help you fund future needs and support loved ones.

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
2025 Global Economic Outlook: U.S. Policies May Temper Global Growth
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2025 Global Economic Outlook: U.S. Policies May Temper Global Growth

Global growth is likely to be around 3% in 2025 and 2026, as tariff and immigration policies begin to slow the U.S. economy late next year, and China's underperformance restrains emerging markets.

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
Taking Control of Your Finances After Death of a Spouse
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Taking Control of Your Finances After Death of a Spouse

Financial planning after a divorce or death can be trying, but with the right approach and the right advice you can turn a difficult situation into empowerment.

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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Financial Planning for Life After Selling a Business

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

Philanthropy

Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
  • Endowments
  • Foundations
  • Donor Advised Funds
  • Impact Investing
Donor Advised Funds: A Smart Way to Manage Your Giving 
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Donor Advised Funds: A Smart Way to Manage Your Giving 

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

Financial Wellness

Enhancing Financial Wellness enables your workforce to do their best work. Companies that invest in financial wellness have an opportunity to:
  • Reduce employee stress,
  • Improve retention and engagement, and
  • Set themselves apart by offering comprehensive financial wellness benefits.
The Business Case for a Financially Resilient Workforce
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The Business Case for a Financially Resilient Workforce

In the face of turbulent markets, the word “resilience” may be top of mind. Broadly speaking, resilience is the ability to “bounce back” when encountering life’s inevitable challenges.
Ready to start a conversation? Contact Yehuda Goldfein today.
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.

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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.

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3Morgan 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.

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4Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.

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5Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.

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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.

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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.

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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.

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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 consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.

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10When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.

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

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12When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.

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13Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.

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Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.

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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.

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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.

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Awards Disclosures
CRC 6491812 (04/2024)