Welcome

Bernardete is a Financial Advisor with Morgan Stanley with over 20 years of experience. She takes a comprehensive approach to Wealth Management and Financial Planning by addressing Lifestyle Events: like marriage, job changes, retirement, inheritance, divorce, children, buying a home and/or business ownership.

Her first step is to sit down with you and discuss what is important to you?
What are your goals, priorities and concerns?

She works with her partners and resources to prepare a tailored Financial Plan and Investment Recommendations for you and your family.

Born in Portugal (Azores) and raised in the Sacramento Valley.
Multi Lingual (English, Portuguese and Spanish). She has travelled throughout Europe, Asia and the United States. Today, Bernardete makes her home in the Sacramento area with her family.

Education:
Bachelor of Arts from the University of California, Davis
Fellow at the University of Coimbra in Portugal
Financial Planning Specialist Designation.

Licenses:
Series 7, 63 and 65
California Life and Health Insurance

Interests:
I am a Foodie that is not a good cook, yet…
Love the Beach, Mountains, Walking and Hiking
The Arts and Keeping Fit


Email Me at Bernardete.Nunes@MorganStanley.com for more information.
Services Include
  • Wealth Management1
  • Financial Planning2
  • Asset Management3
  • Retirement Planning4
  • 401(k) Rollovers
  • Estate Planning Strategies5
  • Lending Products
  • Life Insurance6
  • Long Term Care Insurance7
  • Sustainable Investing8
  • Annuities9
  • Cash Management10
Securities Agent: OK, CA, WA, SC, OR, NV, MT, MN, IL, FL, DC; General Securities Representative; Investment Advisor Representative
NMLS#: 1278746
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*

      At Morgan Stanley, we can help you with your concerns and financial decisions.

      Click the links below for more information about common situations.

      What is Investing with Impact?

      • Questions to Consider For Individuals:
        For Individuals:
        •What social and environmental risks and opportunities am I passionate about?
        •What am I already doing through philanthropy, business, and/or advocacy to address these?
        •What Investing with Impact approach resonates with my impact goals?
        •How do I work with my Advisor to engage on Investing with Impact
      • Questions to Consider For Institutions:
        •What social and environmental risks and opportunities does my organization help solve?
        •How can these be addressed through investments?
        •Are there any investments that my organization currently makes that we consider Investing with Impact
        •What are the legal and operating constraints that shape the approach we can take to Investing with Impact
        •How can I work with my Advisor to learn more about the different approaches to Investing with Impact?
        •Does it make sense for your organization to develop a mission-aligned Investment Policy Statement?

      Location

      400 Capitol Mall
      Suite 1900
      Sacramento, CA 95814
      US
      Direct:
      (916) 567-2057(916) 567-2057
      From My Desk

      Adjusting Financially to the Loss of a Spouse


      Investment and Market Perspectives

      On the Markets

      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
      The Simple Six-Step Retirement Checkup

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      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
      Investing in Artificial Intelligence and Automation

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      Family

      Creating customized financial strategies for the challenges that today's families face.
      • Estate Planning Strategies
      • 529 Plans / Education Savings Planning
      • Long Term Care Insurance
      • Special Needs Planning
      • Trust Services
      From Clueless to Clued In: Teaching Teens About Money

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      As your children grow into young adults, you can help them learn how to manage their own finances. Here’s how to go about it.

      Business Planning

      Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
      • Succession Planning
      • Business Planning
      • Retirement Plan Sponsors
      • Qualified Retirement Plans
      • Corporate Pension Funds
      Facing Financial Stress? Your Employer May Be Able to Help

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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
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      Choosing an Environmental Charity

      There are a multitude of non-profits dedicated to helping protect the environment. Here’s how to choose where you want to give.

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      Ready to start a conversation? Contact Bernardete Nunes today.
      Market Information Delayed 20 Minutes
      1Morgan 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.

      2Morgan 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.

      3Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.

      4Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors 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.

      5Morgan 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.

      6Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.

      7Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.

      8The returns on a portfolio consisting primarily of Environmental, Social and Governance (“ESG”) aware investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because ESG criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria.

      9Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.

      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

      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.

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      The securities/instruments, services, investments and investment strategies discussed in this material may not be suitable 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”) 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.


      CRC 2019752 10/2018