Steven Eggers

CFP, Vice President, Wealth Management, Financial Advisor

Contact Me
Steven Eggers

MY MISSION STATEMENT

Helping executives maximize their compensation packages, with integrated financial plans that help them retire with confidence.

My Story and Services

Welcome

Many high-performing senior executives, particularly in Fortune 500 companies, have earned substantial wealth, both in salary and in assets accumulated in their overall compensation packages.

However, these assets can be complex and highly detailed, and many have not integrated them into an overall wealth management strategy. Many are just too busy. Others may not have fully analyzed all the subtleties and nuances of their total compensation package.

I work extensively with senior executives with complex compensation packages, creating financial plans that reflect your total compensation.  You may benefit from my experience regarding stock compensation, deferred compensation, pension planning and many other topics.

As an executive, you know the importance of an intelligent, strategic plan to help reach specific goals and targets. I provide the same thinking to your personal finances, helping you make wise choices and achieving the success you’ve worked hard for.

Services Include

  • Executive Benefit Services
  • Wealth Management
  • Financial Planning
  • Professional Portfolio Management
  • 401(k) Rollovers
  • Estate Planning Strategies
  • Fixed Income
  • Philanthropic Services
  • Retirement Planning
  • Sustainable Investing
  • Trust Accounts
  • Stock Option Plans

Securities Agent: AZ, CA, CO, CT, FL, ID, IL, NC, NH, NV, NY, OH, SC, TX, VA, WA; General Securities Representative; Investment Advisor Representative

NMLS#: 1265004


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

View My Bio

Steven R. Eggers
Vice President, Wealth Management
CERTIFIED FINANCIAL PLANNER TM              
Financial Advisor

Steve works with senior executives to help them integrate their compensation packages into a comprehensive wealth management plan. His holistic approach helps clients achieve their goals by managing both sides of their personal balance sheets.

As one of only several advisors in our branch hand-picked to participate in the Chevron Financial Counseling Program, Steve understands the complexities of your executive compensation. More than 80% of Steve’s clients are executives wrestling with decisions about their pensions, tax strategies, stock options and deferred compensation. 

Steve is a graduate of San Jose State University, where he earned a B.S. in Business. He also holds the prestigious CERTIFIED FINANCIAL PLANNER™ designation, the industry’s gold standard for comprehensive financial planning that requires hundreds of hours of classroom time, ongoing re-certification and adherence to high ethical standards.

Steve lives with his wife and three daughters in San Jose, CA. He coaches youth soccer and spends his free time with his family, enjoying skiing, hiking and being outdoors.


Executive Compensation

Executive compensation packages often include complex financial instruments that require the recipient to make decisions about how best to manage their benefit. Many of these decisions are not intuitive and, in any case, are best integrated into an overall financial plan.

I am part of a team selected to provide advice and counsel as part of the Chevron Financial Counseling Program. These are some of the most common questions I help executives answer to maximize the value of their packages:

When and how should I take my pension?

This is one of the most common questions, and there are many factors to consider. I can help you decide whether to take a lump sum or an annuity, understand how pension discounting and interest rates can affect your choice, and build a retirement plan around your pension.

When should I exercise my stock options?

There is no hard and fast answer to this question – it is important to consider the value of your stock options as part of a holistic wealth management plan. I provide goal-based financial planning that provides context and direction for exercising your stock options.

What about deferred compensation?

Deferred compensation often has tax implications, cash flow questions and a variety of other issues. I help you use your deferred compensation in service of your personal and financial goals.

When should I consider retirement?

One way to answer this question is to start with your objectives and work backward. As part of our process, I work with you to establish goals for education planning, legacy planning, health care, cash flow, as well as your “wish list” items.

Am I doing the right things now?

Busy executives often are so focused on their careers, they don’t have time to create and manage a comprehensive wealth management plan. I work with you to establish your objectives, then provide thoughtful advice and goal-based, customized recommendations.


Chevron Financial Counseling Program

As a benefit for high-level executives, Chevron has partnered with the Palo Alto Group at Morgan Stanley to help you develop a pathway to reach your financial goals and find financial success.  

Our team is familiar with the details of Chevron’s executive compensation.  We receive regular program updates, and routinely advise participants on crucial issues related to the LTIP, CRP, RRP, DCP and ESIP.

As a member of the Palo Alto Group at Morgan Stanley, I work with you to create a comprehensive wealth management plan, via a five step process:

Step 1: Discovery

Begin with an open and detailed conversation to learn about your goals.  Review your current assets and liabilities.

Step 2: Analysis

Once we understand your goals, we will analyze your current and future financial situation, and address potential shortfalls.

Step 3: Recommendations

Armed with our understanding of you, we create a customized plan to help you achieve your goals.

Step 4: Implementation

We draft a comprehensive financial plan outlining your financial roadmap and execute the plan on your approval.

Step 5: Review

We have an ongoing commitment to monitor your progress and recommend adjustments for changing times.


Investing

Working closely with you to guide your wealth and investments through the most challenging market cycles.

  • Asset management
  • Traditional investments
  • Alternative Investments
  • Impact Investing

Family

Creating customized financial strategies for the challenges that today's families face.

  • Estate Planning
  • 529 Plans / Education Planning
  • Long Term Care Insurance
  • Trust Services and Accounting

Retirement

Working with you to understand your life goals and develop a truly personalized wealth strategy.  Today and for the years to come.

  • 401(k) Rollovers
  • IRA Plans
  • Retirement income strategies
  • Annuities

Business Planning

Partnering with you on key aspects of your business such as ownership, liquidity and developing opportunities.

  • Succession Planning
  • Business Planning
  • Retirement Plan Sponsors
  • Corporate Pension Funds

Philanthropy

Making sure your philanthropic dollars are managed with the same best-in-class service as the rest of your wealth.

  • Endowments
  • Foundations
  • Donor Advised Funds
  • Impact Investing

Ready to start a conversation? Contact Steven Eggers today.

Dow    443.86

25883.25
4:58PM

Nasdaq    45.46

7472.41
5:15PM

S&P 500    29.87

2775.6
4:58PM
Market Information Delayed 20 Minutes

This 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: http://www.morganstanley.com/disclaimers/mssbemail.html. Any profiles and associated content are for U.S. residents only

*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.

Morgan Stanley Smith Barney LLC and its affiliates do not provide tax or legal advice. Any such taxpayer should seek advice based on the taxpayer's particular circumstances from an independent tax advisor.

The securities/instruments, investments and investment strategies discussed in this material may not be suitable for all investors. The appropriateness of a particular investment or investment strategy will depend on an investor's individual circumstances and objectives. The views and opinions expressed on this website do not necessarily reflect those of Morgan Stanley.

Certified Financial Planner™ Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and CFP® (with flame logo)® in the U.S., which it awards to individuals who successfully complete CFP® Board's initial and ongoing certification requirements.

Investment Management Consultants Association, Inc. owns the marks CIMA®, Certified Investment Management AnalystSM (with graph element)®, and Certified Investment Management AnalystSM .

*Private Bankers are employees of Morgan Stanley Private Bank, National Association, Member FDIC

* Morgan Stanley Smith Barney LLC 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.

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 offers insurance products in conjunction with its licensed insurance agency affiliates.

Life insurance, disability income insurance, and long-term care insurance are offered through Morgan Stanley Smith Barney LLC's licensed insurance agency affiliates.

CRC 1369093   12/15

Awards Disclosures