Terry Tang
Registered Associate
Bonnie Hong, CFP®, CIMA®, CDFA®
Vice President, Wealth Management,
Financial Advisor,
Portfolio Manager
Direct:
(626) 584-3411(626) 584-3411
Toll-Free:
(800) 832-7648(800) 832-7648
My Mission Statement
I empower women navigating high-net-worth divorces to help transform financial uncertainty into confidence, clarity, and long-term wealth that supports their vision for the future.
My Story and Services
In all the uncertainty and frustration surrounding a high-net-worth divorce, you need more than a typical financial advisor—you need a guide who understands the unique challenges women face when rebuilding financial independence.
I help women navigating high-net-worth divorces transform financial uncertainty into confidence and clarity. Unlike general financial advisors, I provide strategies in complex asset division, tax implications, and long-term wealth specifically designed for women claiming or reclaiming their financial power.
My clients don't just survive their divorce settlements—they emerge with strategic financial foundations that support their vision for the future. Together, we'll navigate this challenging transition and create a path to financial empowerment where you control your wealth with confidence.
From the moment I helped my very first client navigate the emotional and financial challenges of her divorce, that experience ignited a deep passion and unwavering commitment in me—to stand by my clients, advocate fiercely for them, and work to help ensure they emerge from their divorce with strength, stability, and everything that is rightfully theirs.
Securities Agent: GA, TX, OR, WA, NY, NJ, FL, NV, DE, CA, UT; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1278705
CA Insurance License #: 0D93620
NMLS#: 1278705
CA Insurance License #: 0D93620
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Biography
Bonnie Hong, CFP®, CDFA®
Guiding Women Through Divorce with Confidence and Clarity
With over 25 years of experience as a CERTIFIED FINANCIAL PLANNER™ and Certified Divorce Financial Analyst®, Bonnie Hong focuses on helping women navigate the financial and emotional complexities of divorce—especially in high net worth situations.
Bonnie combines her experience in financial planning, investment management, and divorce analysis. She works closely with clients and their attorneys, providing settlement guidance and answering the critical question: "Will I be financially okay?"
Known for her compassionate, clear, and comprehensive approach, Bonnie helps clients simplify their financial lives, make empowered decisions, and build a secure future. Her customized plans cover budgeting, investing, retirement, risk management, estate planning, family philanthropy, and wealth transfer strategies.
If you're facing divorce and wondering what comes next, Bonnie will help you move forward—with confidence, clarity, and peace of mind.
DESIGNATIONS & LICENSES
CERTIFIED FINANCIAL PLANNER™
Certified Investment Management Analyst® (CIMA®)
Certified Divorce Financial Analyst®(CDFA®)
Portfolio Manager
Alternatives Investment Director
Insurance Director
Life, Health & Variable Annuity Insurance Licensed #0D93620
Series 7, 66, 31 Securities License
PROFESSIONAL AFFILIATIONS
Investments and Wealth Institute, Member
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
CIMA® Certification at The Wharton School at University of Pennsylvania
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.
My 5-Step Process to Help You Move Forward with Strength and Clarity
FEES
No-Fee Pre-Divorce FInancial Planning
Unlike many financial advisors, we charge no upfront fees for our pre-divorce planning services. This commitment demonstrates our dedication to protecting your clients' interests when they need it most.
By eliminating upfront fees, we remove barriers to accessing financial guidance, allowing your clients to make more informed decisions about settlement options without additional financial strain. Our comprehensive no-cost services include asset analysis, budget planning, tax implications review, and long-term financial projections—all designed to strengthen your legal strategy while securing your clients' financial futures.
MY 5-STEP PROCESS
Ever since I helped my first client through her divorce, I knew this work was so much more than numbers—it was about rebuilding lives. That experience sparked a deep passion and unwavering commitment in me: to guide women through the financial complexities of divorce with empathy, clarity, and strength.
Over the years, I've developed a 5-step process designed specifically for women just like you—whether you're preparing for divorce, navigating it right now, or finding your footing on the other side.
STEP 1: FINANCIAL DISCOVERY & EMOTIONAL SUPPORT
Objective: Understand who you are, your unique story, and establish a foundation of trust.
This is where we begin—with you. I take the time to truly understand your personal and financial world: your goals, your family dynamics, your values, and your fears. We talk about what's keeping you up at night, what you're hopeful for, and what you need to feel secure.
We collaborate with the right professionals—divorce attorneys, therapists, mediators—so you never feel like you're navigating this alone. This step is about creating a safe, supportive space to gain clarity before developing your strategy.
STEP 2: ASSET & LIABILITY ASSESSMENT
Objective: Create a crystal-clear picture of your financial reality.
Together, we'll take stock of everything—what you own and what you owe. From real estate and investments to retirement accounts, trusts, business interests, and debts, we'll untangle the financial web.
STEP 3: STRATEGIC DIVORCE FINANCIAL PLANNING
Objective: Protect what's yours and plan for a secure future.
Now that we know where you stand, we explore every option. Lump sum or long-term support? Property or liquidity? We run detailed projections to understand how each settlement scenario affects your life—today and decades from now.
We'll work side by side during negotiations to help ensure your financial future is not only fair, but built for growth, and independence. This is about more than a settlement—it's about setting you up to thrive.
STEP 4: TRANSITION PLANNING
Objective: Make the post-divorce shift as smooth and empowering as possible.
Once the legal dust begins to settle, we turn our focus to action. We help you open new accounts, retitle assets, update estate plans, and set up your new financial life.
You'll have a clear income strategy, a new investment plan aligned with your goals, and the confidence to manage it all—even if you've never done it before. I'm with you every step of the way.
STEP 5: LONG-TERM WEALTH EMPOWERMENT
Objective: Equip you to live boldly, build wealth, and stay in control.
This isn't just about getting through the divorce. It's about who you become after it. I provide ongoing support—regular check-ins, portfolio reviews, tax strategy updates, and education tailored to your comfort level. As life changes, your plan adapts with you. My goal is simple: to help you feel empowered, informed, and completely in control of your financial future.
You've already been through so much. Let's make sure that from here on out, you're building a life that's financially secure, aligned with your values, and entirely your own.
I'm here to help you every step of the way.
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.
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
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
Location
55 South Lake Ave
Ste 700
Pasadena, CA 91101
US
Direct:
(626) 584-3411(626) 584-3411
Toll-Free:
(800) 832-7648(800) 832-7648
Fax:
(213) 486-8998(213) 486-8998
Meet My Team
About Terry Tang
Terry joined Morgan Stanley in 2024. Terry provides exceptional client service in various day-to-day operations related to client account activities, report preparation, client meeting preparation and support.
A graduate of the University of California, San Diego, Terry earned a Bachelor of Science in Mathematics and Economics. His academic journey also took him abroad, where he studied economics and finance at the University of Hong Kong and Peking University. He was also awarded an Honorary Degree from Anhui Agricultural University’s School of Tea and Food Sciences. Fluent in Chinese, Terry holds FINRA Series 7 and Series 66 licenses.
Outside the office, Terry practices judo, golf, cycling, and runs. He enjoys studying history, civics, geography, economics and a good cup of tea.
A graduate of the University of California, San Diego, Terry earned a Bachelor of Science in Mathematics and Economics. His academic journey also took him abroad, where he studied economics and finance at the University of Hong Kong and Peking University. He was also awarded an Honorary Degree from Anhui Agricultural University’s School of Tea and Food Sciences. Fluent in Chinese, Terry holds FINRA Series 7 and Series 66 licenses.
Outside the office, Terry practices judo, golf, cycling, and runs. He enjoys studying history, civics, geography, economics and a good cup of tea.
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
Peter Barash
Private Banker
Molly Sakahara, CFP®
Financial Planning Director, Assistant Vice President
Sean Lavin
Trust Specialist
Clint Eddy
Family Office Resource Generalist
About Peter Barash
Peter Barash is a Private Banker serving Morgan Stanley Wealth Management offices in California.
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.
Peter began his career in financial services in 1984, and joined Morgan Stanley in 2010 as a Private Banker. Prior to joining the firm, he was a Private Banking Specialist at U.S. Bank.
Peter is a graduate of Columbia University, where he received a Bachelor of Arts in Economics and Comparative Literature. He holds an MBA from the University of Southern California. He lives in Glendale, California with his family. Outside of the office, Peter enjoys, hiking, playing bass guitar and reading.
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.
Peter began his career in financial services in 1984, and joined Morgan Stanley in 2010 as a Private Banker. Prior to joining the firm, he was a Private Banking Specialist at U.S. Bank.
Peter is a graduate of Columbia University, where he received a Bachelor of Arts in Economics and Comparative Literature. He holds an MBA from the University of Southern California. He lives in Glendale, California with his family. Outside of the office, Peter enjoys, hiking, playing bass guitar and reading.
NMLS#: 799189
About Molly Sakahara
Molly Sakahara is an Assistant Vice President and Financial Planning Director serving Morgan Stanley’s Wealth Management offices in the Los Angeles area. She is responsible for helping Financial Advisors with their clients' and prospects' financial planning needs.
Molly began her career in financial services in 1999 and joined Morgan Stanley in 2015. Prior to her current position, she held positions in wealth management and private banking with an emphasis on helping individuals achieve long term life goals and understanding client’s value system in relation to their wealth.
Molly graduated from UCLA and holds her Certified Financial Planner® designation, California insurance state licensing, and Series 7 and 65. She currently resides in South Pasadena, California with her spouse and two children. Outside of work, she is a squash coach at PlayLA, a committee volunteer with UCLA Chancellor’s Society, is the founder and administrator of Buy Nothing Group for her local city, and serves on the Board of Directors for SoCal Squash Association.
Molly began her career in financial services in 1999 and joined Morgan Stanley in 2015. Prior to her current position, she held positions in wealth management and private banking with an emphasis on helping individuals achieve long term life goals and understanding client’s value system in relation to their wealth.
Molly graduated from UCLA and holds her Certified Financial Planner® designation, California insurance state licensing, and Series 7 and 65. She currently resides in South Pasadena, California with her spouse and two children. Outside of work, she is a squash coach at PlayLA, a committee volunteer with UCLA Chancellor’s Society, is the founder and administrator of Buy Nothing Group for her local city, and serves on the Board of Directors for SoCal Squash Association.
About Sean Lavin
Sean is a Regional Trust Specialist for Morgan Stanley based in Los Angeles. He is responsible for supporting Private Wealth Advisors and their clients’ legal counsel in developing trust and fiduciary solutions for families, institutions and charities. Sean works closely with clients and their legal and strategic advisors to help educate them on appropriate trust vehicles designed to meet the clients’ specific goals and objectives. Sean also provides advice on how to utilize the fiduciary services available through the Morgan Stanley’s comprehensive third party trustee platform that is available to clients.
Sean joined Morgan Stanley in 1999 including several years as a Senior Vice President and Regional Trust Specialist with Smith Barney and Citi Trust. Prior to then, Sean was a Senior Trust Officer with Merrill Lynch / Bank of America.
Sean graduated from the University of Southern California with a bachelor’s degree in business administration and received his master’s degree in business administration from the UCLA Anderson School of Management. Sean holds the Certified Financial Planner and Certified Trust and Financial Advisor designations and is Series 7 and 66 licensed.
Sean joined Morgan Stanley in 1999 including several years as a Senior Vice President and Regional Trust Specialist with Smith Barney and Citi Trust. Prior to then, Sean was a Senior Trust Officer with Merrill Lynch / Bank of America.
Sean graduated from the University of Southern California with a bachelor’s degree in business administration and received his master’s degree in business administration from the UCLA Anderson School of Management. Sean holds the Certified Financial Planner and Certified Trust and Financial Advisor designations and is Series 7 and 66 licensed.
About Clint Eddy
Clint Eddy is an Executive Director with the Family Office Resources (FOR) team at Morgan Stanley. As a Generalist with FOR he helps clients and Advisors curate and navigate an expansive suite of highly specialized resources to address the complex, multifaceted challenges of managing significant wealth so clients may make complicated decisions confidently.
Prior to joining Morgan Stanley in 2022, Clint was a Wealth Strategist at Merrill Lynch for over 15 years. Clint also practiced tax and business law at the law firm of Fox Rothschild for over six years. He was a member of the firm’s Estate Planning and Tax and Corporate Transactions groups. Clint is a member of Washington State Bar Association (WSBA) and is actively involved in the WSBA’s Real Property, Probate and Trust section. He is the co-author of the Washington Partnership and Limited Liability Company Deskbook and was named a “Rising Star” by Washington Law and Politics magazine.
Clint received his Master of Laws in Taxation from the University of Washington School of Law, his Juris Doctor from the University of Oregon School of Law, and his Bachelor of Arts from the University of Washington. He is Series 7 and 66 licensed.
Outside of work Clint is an avid, but admittedly, pretty awful skier. He and his fiancé live in Seattle with their 10 year old Boston Terrier named Annie.
Prior to joining Morgan Stanley in 2022, Clint was a Wealth Strategist at Merrill Lynch for over 15 years. Clint also practiced tax and business law at the law firm of Fox Rothschild for over six years. He was a member of the firm’s Estate Planning and Tax and Corporate Transactions groups. Clint is a member of Washington State Bar Association (WSBA) and is actively involved in the WSBA’s Real Property, Probate and Trust section. He is the co-author of the Washington Partnership and Limited Liability Company Deskbook and was named a “Rising Star” by Washington Law and Politics magazine.
Clint received his Master of Laws in Taxation from the University of Washington School of Law, his Juris Doctor from the University of Oregon School of Law, and his Bachelor of Arts from the University of Washington. He is Series 7 and 66 licensed.
Outside of work Clint is an avid, but admittedly, pretty awful skier. He and his fiancé live in Seattle with their 10 year old Boston Terrier named Annie.
Private Bankers, Ultra High Net Worth ("UHNW") Specialists, PBG Market Managers, Lending Advisors, Mortgage Consultants, Regional Mortgage Specialist, Cash Management Specialists, Associate Private Bankers are employees of Morgan Stanley Private Bank, National Association.
Banking products and services are offered by Morgan Stanley Private Bank, National Association, Member FDIC.
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
Important information about your relationship with your Financial Advisor and Morgan Stanley Smith Barney LLC when using a Financial Planning tool. When your Financial Advisor prepares a Financial Plan, they will act in an investment advisory capacity for thirty (30) days after the delivery of your Financial Plan. To understand the differences between brokerage and advisory relationships, you should consult your Financial Advisor, or review our “Understanding Your Brokerage and Investment Advisory Relationships,” brochure available at https://www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
You have sole responsibility for making all investment decisions with respect to the implementation of a Financial Plan. You may implement the Financial Plan at Morgan Stanley or at another firm. If you engage or have engaged Morgan Stanley, it will act as your broker, unless you ask it, in writing, to act as your investment adviser on any particular account.
Morgan 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.
Morgan 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.
Morgan 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 trusts, estate planning, charitable giving, philanthropic planning and other legal matters.
Morgan Stanley 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.
Trusts are not necessarily appropriate for all clients. There are risks and considerations which may outweigh any potential benefits. Establishing a trust will incur fees and expenses which may be substantial. Trusts often incur ongoing administrative fees and expenses such as the services of a corporate trustee, attorney, or tax professional.
Trust services are provided by third parties who are not affiliated with Morgan Stanley. Neither Morgan Stanley nor its affiliates are the provider of such trust services and will not have any input or responsibility concerning a client’s eligibility for, or the terms and conditions associated with these trust services. Neither Morgan Stanley nor its affiliates shall be responsible for any advice or services provided by the unaffiliated third parties. Morgan Stanley or its affiliates may participate in transactions on a basis separate from the referral of clients to these third parties and may receive compensation in connection with referrals made to them.
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.
Banking products and services are offered by Morgan Stanley Private Bank, National Association, Member FDIC.
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
Important information about your relationship with your Financial Advisor and Morgan Stanley Smith Barney LLC when using a Financial Planning tool. When your Financial Advisor prepares a Financial Plan, they will act in an investment advisory capacity for thirty (30) days after the delivery of your Financial Plan. To understand the differences between brokerage and advisory relationships, you should consult your Financial Advisor, or review our “Understanding Your Brokerage and Investment Advisory Relationships,” brochure available at https://www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
You have sole responsibility for making all investment decisions with respect to the implementation of a Financial Plan. You may implement the Financial Plan at Morgan Stanley or at another firm. If you engage or have engaged Morgan Stanley, it will act as your broker, unless you ask it, in writing, to act as your investment adviser on any particular account.
Morgan 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.
Morgan 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.
Morgan 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 trusts, estate planning, charitable giving, philanthropic planning and other legal matters.
Morgan Stanley 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.
Trusts are not necessarily appropriate for all clients. There are risks and considerations which may outweigh any potential benefits. Establishing a trust will incur fees and expenses which may be substantial. Trusts often incur ongoing administrative fees and expenses such as the services of a corporate trustee, attorney, or tax professional.
Trust services are provided by third parties who are not affiliated with Morgan Stanley. Neither Morgan Stanley nor its affiliates are the provider of such trust services and will not have any input or responsibility concerning a client’s eligibility for, or the terms and conditions associated with these trust services. Neither Morgan Stanley nor its affiliates shall be responsible for any advice or services provided by the unaffiliated third parties. Morgan Stanley or its affiliates may participate in transactions on a basis separate from the referral of clients to these third parties and may receive compensation in connection with referrals made to them.
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.
Wealth Management
From My Desk
Perspectives in Philanthropy: The Advancement of Women and Girls
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
A 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
Rational Investing in an Age of Uncertainty
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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
529 Plans: A Powerful Tool to Save for Education
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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
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CFP Board owns the marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the U.S., which it awards to individuals who successfully complete CFP Board's initial and ongoing certification requirements.
1Alternative 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.
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, charitable giving, philanthropic planning and other legal matters.
3Morgan 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.
4When 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.
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.
6Investing in the market entails the risk of market volatility. The value of all types of investments may increase or decrease over varying time periods. The returns on a portfolio consisting primarily of sustainable or impact investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because sustainability and impact 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. Diversification does not guarantee a profit or protect against loss in a declining financial market.
7Morgan 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 (“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.
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.
CFP Board owns the marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque 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 | Morgan Stanley
1Alternative 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.
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, charitable giving, philanthropic planning and other legal matters.
3Morgan 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.
4When 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.
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.
6Investing in the market entails the risk of market volatility. The value of all types of investments may increase or decrease over varying time periods. The returns on a portfolio consisting primarily of sustainable or impact investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because sustainability and impact 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. Diversification does not guarantee a profit or protect against loss in a declining financial market.
7Morgan 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 (“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.
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.
CFP Board owns the marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque 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 | Morgan Stanley
CRC 4665150 (8/2025)
