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Are you overwhelmed with making financial decisions?
Are you tired of not knowing what to do?

Divorce is one the biggest financial transactions you will ever make. You will be required to make a series of major decisions that can have far-reaching consequences. It’s also an emotional experience where even the most financially savvy individuals need critical advice and guidance.

Bonnie helps provide clarity on the complex financial issues that arise before, during and after your divorce. She provides guidance on financial matters that attorneys are not trained to handle, helps you understand the financial impact (including post-divorce tax implications) of your decision, and develops a strategic financial plan for your settlement and your future.
Services Include
  • Wealth Consulting
  • Divorce Financial Analysis1
  • Retirement Planning2
  • Stock Option Plans3
  • Financial Planning4
  • Professional Portfolio Management5
  • 401(k) Rollovers
  • 529 Plans6
  • Alternative Investments7
  • Annuities8
  • Asset Management9
  • Business Planning10
  • Long Term Care Insurance11
  • Philanthropic Services
  • Planning for Individuals with Special Needs12
  • Qualified Retirement Plans13
  • Sustainable Investing14
Securities Agent: CA, TX, NY, NV, MO, MN, AZ; Managed Futures; General Securities Representative; Investment Advisor Representative
NMLS#: 1278705
CA Insurance License #: 0D93620
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Bonnie Hong has over 15 years of experience as a CERTIFIED FINANCIAL PLANNER™ and Portfolio Manager in the financial industry. Bonnie focuses on comprehensive financial planning for the most expensive chapter of your life, retirement. Retirement can be brought on by the sale or purchase of a new business, exercise of stock options, or major life transitions such as marriage, divorce, widowhood, and death of a loved one or inheritance. As a prudent fiduciary, Bonnie believes having a sound financial plan is critical to your success. Bonnie will discuss ways to hedge against inflation, provide for future health care expenses, cover recurring expenses, all while maximizing return and managing risk. Two of the most common questions asked are, “How much do I need to quit my job?” And “Can I retire earlier?”

In addition to retirement planning, Bonnie focuses on divorce-related financial matters as a Certified Divorce Financial Analyst™. Bonnie was one of the first Financial Advisors at Morgan Stanley* to obtain the Certified Divorce Financial Analyst™ designation. By combining her experiences in financial planning, investment management with divorce analysis, Bonnie demonstrates her commitment to providing the highest level of professionalism and personal attention in divorce matters. She works with divorcing individuals—and their attorneys—by serving as a settlement agent. She helps to determine the financial impact of proposed settlement offers by answering one of the client’s most pressing questions,“Will I be financially ok?”

Bonnie uses a comprehensive process to create an easy to understand, customized plan. She incorporates budgeting, investment and retirement planning, risk management, along with estate planning, family philanthropy and wealth transfer strategies. Bonnie will help you simplify your life, make informed decisions, and move forward with confidence.


DESIGNATIONS & LICENSES

CERTIFIED FINANCIAL PLANNER™
Certified Divorce Financial Analyst™ (CDFA™)
Chartered Advisor in Philanthropy® (CAP®)
Chartered Financial Consultant® (ChFC®)
Portfolio Manager
Life, Health & Variable Annuity Insurance Licensed #0D93620
Series 7, 66, 31 Securities License

PROFESSIONAL AFFILIATIONS

Institute of Divorce Financial Analysts, Member
Association of Divorce Financial Planners, Member
Los Angeles Collaborative Family Law Association, Member
Beverly Hills Bar Association Family Law Section, Member
Pasadena Bar Association Family Law Section, Member
Partnership for Philanthropic Planning of Greater Los Angeles, Past President

MEDIATION & COLLABORATIVE TRAINING

Mosten 40 hour Divorce Mediation Training
Collaborative Divorce Team Training

EDUCATION & EXPERIENCE

Morgan Stanley (2003-current)
Wells Fargo Bank, Premier Banking Manager
UCLA, Bachelor of Arts in English

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. 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.

    PRIVATE WEALTH MANAGEMENT SERVICES

    Depending on one’s priorities, goals and needs, we can offer personalized advice (which is often coordinated with our client’s other advisors—tax, legal, insurance, etc.), assisting in areas such as:

    • Budgeting & Cash-flow Management
    • Risk Management
    • Lending Needs
    • Funding of financial goals for children, grandchildren or dependents
    • Retirement Planning
    • Investment Planning
    • Estate Planning & Wealth-Transfer Strategies
    • Charitable Giving


    FINANCIAL ADVISORY SERVICES FOR BUSINESSES

    Although all businesses differ (legal structure, ownership, management philosophy, etc.), some of the common financial advisory needs that we can help with include:

    • 401(k) Plans
    • 403(b) / 457(b) Plans
    • Nonqualified Deferred Compensation Plans
    • Health and/or Other Welfare Trusts
    • Profit Sharing and Money Purchase Plans
    • Defined Benefit Plans (105b-1 Plans)
    • Taft-Hartley Plans
    • SEP, SIMPLE and SAR-SEP Plans
    • Stock Plan Services
    • Restricted Securities / Cashless Stock Options
    • Preset Diversification Programs
    • Directed Share Programs - Corporate and Business Solutions
    • Lending Services


    INVESTMENTS, BANKING AND LENDING SERVICES

    We offer an array of solutions for both your near-term priorities and long-term objectives.

    • Equities
    • Fixed Income
    • Mutual Funds, Closed-End Funds, Unit Investment Trusts
    • IRAs
    • 529 Plans
    • Annuities
    • Credit and Lending Services
    • Structured Investments - Investments, Lending
    • Managed Futures (for qualified investors)
    • Hedge Funds (for qualified investors)
    • Real Estate / Real Assets (for qualified investors)
    • Private Equity (for qualified investors)

      SERVICES FOR INDIVIDUALS AND ATTORNEYS & MEDIATORS

      • FOR INDIVIDUALS
        Gathering Your Information

        Developing accurate and complete about your financial information is absolutely critical to negotiating an equitable settlement. Bonnie will work with you to identify and collect the financial data key to the dissolution of your marriage. A complete assessment and in-depth analysis of your marital assets and liabilities will be conducted.

        Budgeting & Cash Flow Analysis

        A comprehensive analysis of your post-divorce lifestyle, including cash flow and net worth projections that incorporate all potential incomes streams. Start your post-divorce financial life with a solid foundation.

        Analysis of Settlement Options

        An equal division of assets is not necessary equitable. Because all assets are not equal, it is essential to understand the financial issues and tax considerations of proposed settlements. Make informed decisions by understanding the pros and cons of all your options.

        Risk Management and Asset Protection

        A comprehensive review of your existing insurance coverage should be completed to meet your new objectives. Obtain security against the potential loss of your spousal and child support due to unforeseen death or disability of your ex-spouse.

        Stock Option Analysis

        Equity-based compensation can represent a significant portion of a family’s marital assets if your or your spouse is a highly compensated executive. Advanced planning strategies should be examined with regards to stock options, restricted stock, and stock appreciation rights. The compensation packages can be complex and mistakes can be extremely costly. Understand the nuances involved in the valuation, transfer or liquidation of stock options before finalizing your proposed settlement.

        Estate Planning and Wealth Transfer

        It is critical to update your estate plan, including wills, trust, beneficiary forms and custody agreements. Estate taxes can also quickly erode the wealth you have worked so hard to create. Develop strategies with your tax and legal advisors to properly structure and effectively transfer wealth to your heirs or charities.

        Post-Divorce Wealth Management

        As you move on to the next phase of your life, you’ll want to create a new financial plan based on the final mix of assets you retain. Bonnie will help you identify new financial goals, establish guidelines for managing your assets, and monitor and adjust the plan for any major life or market changes.
      • FOR ATTORNEYS & MEDIATORS
        Managing Client Expectations

        Often times, clients are unaware of their financial reality and the impact this has on their financial future. An impasse can quickly result with a client fixating on a particular assets and outcome or working with a high conflict spouse. As a CDFA®™, Bonnie assists the mediator and attorney to manage client expectations and facilitate effective decision-making by educating them on the financial reality of their situation.

        Data Gathering & Form Preparation

        As a CDFA™, Bonnie works with your client to identify and collect all pertinent financial data. She assesses and analyzes all marital assets and liabilities, including personal finances, retirement plans and pension benefits, investments, building holdings, stock options and more. She helps prepare the Schedule of Assets and Debts, and Income and Expense Declarations, to accurately determine the client’s marital standard of living.

        Litigation Support & Settlement Negotiations

        As part of your divorce team, Bonnie provides guidance, education, support and analysis on complex financial issues. She collaborates with you and your client to create options to complicated settlement options. By educating your clients on the financial implications and tax considerations, she gives them confidence to make informed decisions so they may move forward with more confidence.

        Stock Options Analysis

        Equity-based compensation can represent a significant portion of a client’s marital assets, especially if one spouse is a highly compensated executive. Advanced planning strategies should be examined with regards to stock options, restricted stock, and stock appreciation rights. The compensation packages can be complex and mistakes can be extremely costly. Understand the nuances involved in the valuation, transfer or liquidation of stock options before finalizing your proposed settlement. Equity-based compensation can represent a significant portion of a family’s marital assets if your or your spouse is a highly compensated executive. Advanced planning strategies should be examined with regards to stock options, restricted stock, and stock appreciation rights. The compensation packages can be complex and mistakes can be extremely costly. Understand the nuances involved in the valuation, transfer or liquidation of stock options before finalizing your proposed settlement

        Post-Divorce Financial Planning

        As your clients moves on to the next phase of their life, they will want to create a new financial plan based on the final mix of assets they have retained. Bonnie will help identify new financial goal & risk tolerance, establish guidelines for managing the assets, and monitor and adjust the plan for any major life or market changes.
        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
      Structured Settlements may offer tax benefits for individuals involved in a wide variety of litigation and other transactions. If you’ve been involved in a divorce, personal injury or wrongful death case, a structured settlement can go a long way toward helping you reach your goals, provided that you plan for them in advice.

      Financial Needs Analysis
      Mediation Attendance & Litigation Support
      Special Needs Trusts
      Investments
      Deferral of Attorney Fees
      Complete Document Preparation and Review

        Location

        444 South Flower St
        34th Fl
        Los Angeles, CA 90071
        US
        Direct:
        (213) 486-8860(213) 486-8860
        Toll-Free:
        (800) 832-7648(800) 832-7648
        Fax:
        (213) 486-8998(213) 486-8998
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        Ready to start a conversation? Contact Bonnie Hong today.
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        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.

        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.

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