Nhu V. Dong
First Vice President, Business Development Director
Phone:
(650) 316-6786(650) 316-6786
Darryl H Ng, CFP®, ChSNC®, CDFA®, ChFC®, CLTC®, CEPA®
Senior Vice President, Wealth Management,
Financial Advisor,
CERTIFIED FINANCIAL PLANNER®,
Chartered Special Needs Consultant,
Certified Divorce Financial Analyst,
Chartered Financial Consultant,
Senior Portfolio Management Director,
Insurance Planning Director,
Workplace Advisor – Equity Compensation,
Senior Investment Management Consultant,
Financial Planning Specialist,
Certified in Long-Term Care,
Certified Exit Planning Advisor™ (CEPA),
Lending Specialist
Direct:
(650) 316-6789(650) 316-6789
Toll-Free:
(877) 924-2788(877) 924-2788
My Mission Statement
I have been a caregiver in my family for most of my life, and I learned how to empathize and help them cope with stress. Today, I try to bring the same empathy to my practice and seek to make clients’ lives easier—the heart and soul of my business is putting myself in our clients’ shoes to understand and address what is most important to them.
My Story
A seasoned Wealth Management professional for more than 20 years, Darryl serves as a trusted Financial Advisor to multiple generations of ultra-high net worth families, corporate executives, and business owners both in domestic and international locations navigate the financial and emotional complexities surrounding different life events. Darryl is dedicated to always doing the right thing and giving his clients a signature white glove experience with highly personalized advice. He collaborates with outside tax, legal, and medical care professionals to help his clients capture opportunities and avoid costly mistakes.
As a Senior Member at the Mountain View Group, Darryl heads the advanced planning activities for the team. He focuses on the creation and implementation of financial plans, portfolio management, philanthropy, insurance and estate planning strategies in the team. Throughout his career, Darryl has always been committed to advanced learning and continuous education. He has received a number of important industry designations including the CERTIFIED FINANCIAL PLANNER®, CHARTERED FINANCIAL CONSULTANT®, CERTIFIED DIVORCE FINANCIAL ANALYST®, and CERTIFICATION IN LONG TERM CARE®. As a CHARTERED SPECIAL NEEDS CONSULTANT®, Darryl is one of the few advanced credentialed professionals focusing on the unique considerations in planning for special needs families and caring for loved ones with disabilities.
Prior to joining Morgan Stanley in 2011, Darryl served as an Assistant Vice President and Financial Advisor for six years at Wells Fargo Advisors with the same esteemed team lead by Jack Wong. Darryl began his career in financial services as a Financial Representative at Northwestern Mutual in 2003.
Darryl is recognized as leader in the financial services arena for many years through numerous local and national publications and is frequently sought out for his knowledge and empathetic practice. Darryl has been featured in Forbes Magazine as "2025-2026 Forbes Best in State Wealth Advisor- Northern California Private Wealth", "2023-2025 Best In State Wealth Management Teams", and Barron's Magazine recognized the Mountain View Group in the 2025 & 2026 Top 250 Private Wealth Management Teams. Additionally, he has been part of the prestigious Century Club from 2021-2026, an elite group composed of Morgan Stanley’s top Financial Advisors and serves as one of ten Financial Advisors nationwide as a Pacific Coast Region Representative for the Morgan Stanley National Trust Services Advisory Council. Darryl serves as a Subject Matter Expert, and a Volunteer National Exam Question Writer and Reviewer for the CFP Board of Standards and is Morgan Stanley's first National Strategic Partner in Special Needs Planning.
Darryl is actively involved within the local community as President Emeritus and Board of Directors Member of the USC Marshall Alumni Association Bay Area Chapter, and President Emeritus of the USC Alumni Club of Silicon Valley. Additionally, Darryl is an active member and Programs Committee Chair Emeritus of the Silicon Valley Chapter of the Financial Planning Association, Member of The Academy of Special Needs Planners, Elite Member of the Investments & Wealth Institute, President Emeritus of Santa Clara County Estate Planning Council, and a Morgan Stanley Silicon Valley Market Co-Chair and Founder of the Financial Planning Club. An avid meditator for past 25+ years and a former ordained monk, Darryl is a part of the Mindful on Wall Street Movement and a Morgan Stanley Mindfulness Club West Coast Facilitator and Speaker. Over the past two and a half decades, he has competed professionally in various local BBQ competitions as a seasoned BBQ Pit Master.
Darryl graduated with a Bachelors of Science (Entrepreneurship) degree with Recognition from the University of Southern California's Marshall School of Business, advanced professional education from the American College of Financial Services, and Upasampada Ordination from the Theravada Buddhist Society of America (Buddhist Monk Certification). He lives in San Jose with his wife and his two young children along with sixteen BBQ pits.
2023-2025: Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded 2021-2024). Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of year prior to the issuance of the award.
2025-2026: Forbes Best-In-State Wealth Advisors
Source: Forbes.com (Awarded 2025-2026). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
2025-2026 Barron's Top 250 Private Wealth Management Teams (formerly referred to as Barron's Top 100 Private Wealth Management Teams, Barron's Top 50 Private Wealth Management Teams, Barron's Top 50 Private Wealth Advisory Teams)
Source: Barrons.com (Awarded April 2025-2026). Data compiled by Barron's based on 12-month period concluding in Dec of the year prior to the issuance of the award.
As a Senior Member at the Mountain View Group, Darryl heads the advanced planning activities for the team. He focuses on the creation and implementation of financial plans, portfolio management, philanthropy, insurance and estate planning strategies in the team. Throughout his career, Darryl has always been committed to advanced learning and continuous education. He has received a number of important industry designations including the CERTIFIED FINANCIAL PLANNER®, CHARTERED FINANCIAL CONSULTANT®, CERTIFIED DIVORCE FINANCIAL ANALYST®, and CERTIFICATION IN LONG TERM CARE®. As a CHARTERED SPECIAL NEEDS CONSULTANT®, Darryl is one of the few advanced credentialed professionals focusing on the unique considerations in planning for special needs families and caring for loved ones with disabilities.
Prior to joining Morgan Stanley in 2011, Darryl served as an Assistant Vice President and Financial Advisor for six years at Wells Fargo Advisors with the same esteemed team lead by Jack Wong. Darryl began his career in financial services as a Financial Representative at Northwestern Mutual in 2003.
Darryl is recognized as leader in the financial services arena for many years through numerous local and national publications and is frequently sought out for his knowledge and empathetic practice. Darryl has been featured in Forbes Magazine as "2025-2026 Forbes Best in State Wealth Advisor- Northern California Private Wealth", "2023-2025 Best In State Wealth Management Teams", and Barron's Magazine recognized the Mountain View Group in the 2025 & 2026 Top 250 Private Wealth Management Teams. Additionally, he has been part of the prestigious Century Club from 2021-2026, an elite group composed of Morgan Stanley’s top Financial Advisors and serves as one of ten Financial Advisors nationwide as a Pacific Coast Region Representative for the Morgan Stanley National Trust Services Advisory Council. Darryl serves as a Subject Matter Expert, and a Volunteer National Exam Question Writer and Reviewer for the CFP Board of Standards and is Morgan Stanley's first National Strategic Partner in Special Needs Planning.
Darryl is actively involved within the local community as President Emeritus and Board of Directors Member of the USC Marshall Alumni Association Bay Area Chapter, and President Emeritus of the USC Alumni Club of Silicon Valley. Additionally, Darryl is an active member and Programs Committee Chair Emeritus of the Silicon Valley Chapter of the Financial Planning Association, Member of The Academy of Special Needs Planners, Elite Member of the Investments & Wealth Institute, President Emeritus of Santa Clara County Estate Planning Council, and a Morgan Stanley Silicon Valley Market Co-Chair and Founder of the Financial Planning Club. An avid meditator for past 25+ years and a former ordained monk, Darryl is a part of the Mindful on Wall Street Movement and a Morgan Stanley Mindfulness Club West Coast Facilitator and Speaker. Over the past two and a half decades, he has competed professionally in various local BBQ competitions as a seasoned BBQ Pit Master.
Darryl graduated with a Bachelors of Science (Entrepreneurship) degree with Recognition from the University of Southern California's Marshall School of Business, advanced professional education from the American College of Financial Services, and Upasampada Ordination from the Theravada Buddhist Society of America (Buddhist Monk Certification). He lives in San Jose with his wife and his two young children along with sixteen BBQ pits.
2023-2025: Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded 2021-2024). Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of year prior to the issuance of the award.
2025-2026: Forbes Best-In-State Wealth Advisors
Source: Forbes.com (Awarded 2025-2026). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
2025-2026 Barron's Top 250 Private Wealth Management Teams (formerly referred to as Barron's Top 100 Private Wealth Management Teams, Barron's Top 50 Private Wealth Management Teams, Barron's Top 50 Private Wealth Advisory Teams)
Source: Barrons.com (Awarded April 2025-2026). Data compiled by Barron's based on 12-month period concluding in Dec of the year prior to the issuance of the award.
Services Include
- Planning for Individuals with Special Needs
- Corporate Trust Services
- Estate Planning StrategiesFootnote1
- Wealth Consulting
- Financial PlanningFootnote2
- Wealth ManagementFootnote3
- Business PlanningFootnote4
- Business Succession PlanningFootnote5
- Divorce Financial AnalysisFootnote6
- 529 PlansFootnote7
- Executive Financial ServicesFootnote8
- Foreign ExchangeFootnote9
- Life InsuranceFootnote10
- Long Term Care InsuranceFootnote11
- Planning for Education FundingFootnote12
- Professional Portfolio ManagementFootnote13
- Retirement PlanningFootnote14
- Stock Option PlansFootnote15
- Trust Services*
- LGBT+ Planning ServicesFootnote16
- Philanthropic ManagementFootnote17
Securities Agent: HI, MD, TN, OR, NC, WA, NM, KY, TX, RI, MI, MA, ID, DE, AL, WI, SC, NY, NV, MO, IL, GA, NJ, FL, DC, CA, VA, SD, IA, CO, MT, UT, OK, KS, AZ; General Securities Representative; Investment Advisor Representative
NMLS#: 1278884
CA Insurance License #: 0E08778
NMLS#: 1278884
CA Insurance License #: 0E08778
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Awards & Recognition
Forbes 2020 America’s Top Next Generation Wealth Advisors
Forbes Top Next-Gen Wealth Advisors
Source: Forbes.com (Awarded Jul 2020) Data compiled by SHOOK Research LLC based on time period from 3/31/19 - 3/31/20.
Read More Here!Source: Forbes.com (Awarded Jul 2020) Data compiled by SHOOK Research LLC based on time period from 3/31/19 - 3/31/20.
Forbes 2023 Best-In-State Wealth Management Teams
Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded Jan 2023) Data compiled by SHOOK Research LLC based on time period from 3/31/21-3/31/22.
Read More Here!Source: Forbes.com (Awarded Jan 2023) Data compiled by SHOOK Research LLC based on time period from 3/31/21-3/31/22.
Forbes 2024 Best-In-State Wealth Management Teams
Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded Jan 2024) Data compiled by SHOOK Research LLC based on time period from 3/31/22-3/31/23.
Read More Here!Source: Forbes.com (Awarded Jan 2024) Data compiled by SHOOK Research LLC based on time period from 3/31/22-3/31/23.
Barron's Top 250 Private Wealth Management Teams 2025
Barron's Top 250 Private Wealth Management Teams
Source: Barrons.com (Awarded May 2025) Data compiled by Barron's based on time period from Jan 2024 – Dec 2024
Read More Here!Source: Barrons.com (Awarded May 2025) Data compiled by Barron's based on time period from Jan 2024 – Dec 2024
Forbes 2025 Best-In-State Wealth Advisors
Source: Forbes.com (Awarded Apr 2025) Data compiled by SHOOK Research LLC based on time period from 6/30/23 - 6/30/24.
Forbes 2025 Best-In-State Wealth Management Teams
Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded Jan 2026) Data compiled by SHOOK Research LLC based on time period from 3/31/24-3/31/25.
Read More Here!Source: Forbes.com (Awarded Jan 2026) Data compiled by SHOOK Research LLC based on time period from 3/31/24-3/31/25.
Forbes 2026 Best-In-State Wealth Advisors
Source: Forbes.com (Awarded Apr 2026) Data compiled by SHOOK Research LLC based on time period from 6/30/24 - 6/30/25.
Read More Here!Digital Tools
Our comprehensive suite of digital tools are designed to help enhance every aspect of your financial life. Here are a few of the technologies we have to offer our clients.
Morgan Stanley Online
Your investments and everyday finances are always just a few clicks away with Morgan Stanley Online (MSO) and the Morgan Stanley Mobile App.
Learn More About MSO
Total Wealth View
Complete your financial picture with Total Wealth View. By linking your account information, you will benefit from more informed wealth planning, more secure data access, and convenient connectivity.
Learn More About Total Wealth View
Goals Based Planning
Working with us, paired with our technology, is a great way to access advice and build a wealth plan. Read more about the advantages of working with our planning technology in reaching your financial goals.
Learn About Our Planning Tools
Online Security Center
At Morgan Stanley, our highest priority is keeping your information protected. Morgan Stanley dedicates significant resources to protecting your assets and personal information.
Learn More About Our Online Security MeasuresMy Certifications and Accolades
National Trust Advisory Council Member
Representing the Pacific Coast Region as one of 10 Financial Advisors Nationwide at Morgan Stanley nominated to serve on the National Trust Advisory Council.
Bachelor of Science with Recognition
Marshall School of Business, University of Southern California
Certified Financial Planner™
CFP® professionals have met extensive training and experience requirements, and commit to CFP Board's ethical standards that require them to put their clients' interests first. That’s why a CFP® professional can help increase consumers’ confidence today, while working to provide them with a more secure tomorrow.
Chartered Special Needs Consultant™
ChSNC® designees are equipped with the specialized skills needed to help parents and caregivers plan for the future with honesty, ethics and compassion. A ChSNC® can navigate the unique considerations, estate planning, special needs trusts, life insurance, tax deductions, healthcare issues, Medicaid complexities, and the emotional aspects of providing for a loved one with a disability.
Chartered Financial Consultant™
ChFC® covers a must-have list of requirements for financial advisors, from knowledge on tax and retirement planning to special needs advising, wealth management, insurance, and more.
Certified Divorce Financial Analyst™
A CDFA® professional is a financial professional skilled at analyzing data and providing expertise on the financial issues of divorce. The role of the CDFA® professional is to assist the client and his or her attorney to understand how the decisions he or she makes today will impact the client’s financial future. A CDFA® can take on many roles in the divorce process.
Certification in Long Term Care™
CLTC® Certification for Long-Term Care educates professionals in the fields of insurance, financial services, law and accounting about the severe consequences a need for care over an extended period of years would have, not on their client, but on the emotional, physical and financial wellbeing of those the client loves. The goal is to give these professionals the proper skill set to discuss those consequences, offer a plan to mitigate them, and when appropriate, recommend long-term care insurance as a funding source for that plan.
Prestigious Master's Club
Morgan Stanley Top Advisors
CFP Board of Standards- Subject Matter Expert
Volunteer National Exam Writer and Reviewer
CERTIFIED EXIT PLANNER ADVISOR tm
The Certified Exit Planning Advisor (CEPA®) credential is for professional advisors who want to effectively engage more business owners. Through the process of Exit Planning (the Value Acceleration Methodology™), owners can build more valuable companies, have stronger personal financial plans, and align their personal goals.
National Strategic Partner - Special Needs Planning
Leading the industry with client care for families with special needs or disabilities, other advisors seek out Darryl for his practical knowledge and planning for their clients caring for special needs family members.
Location
650 Castro St
Suite 105
Mountain View, CA 94041
US
Direct:
(650) 316-6789(650) 316-6789
Toll-Free:
(877) 924-2788(877) 924-2788
Fax:
(650) 316-6776(650) 316-6776
Meet My Team
Adam Pasco, CFP(R), CRPC(R)
Asst. Vice President, Business Development Associate
Phone:
(650) 316-6783(650) 316-6783
Areeba Abdullah
Wealth Management Associate
Phone:
(650) 426-2913(650) 426-2913
Lin Wu
Wealth Management Associate
Phone:
(650) 316-6781(650) 316-6781
Jimmy Morimoto
Registered Client Service Associate, Financial Planning Associate
Phone:
(650) 316-6782(650) 316-6782
Sameer Kalra
Registered Client Service Associate
Phone:
(650) 426-2910(650) 426-2910
Esmeralda Valdez
Client Service Associate
Phone:
(650) 316-6775(650) 316-6775
About Nhu V. Dong
Nhu was the second member to join the group after Jack and has over 19 years of experience in the financial services industry. Nhu is responsible for leading the Group's investment manager research efforts and serves the financial planning needs of several of the Group's largest clients. She also serves as an analyst for the Group's Investment Committee and drives the team's portfolio analytics discipline across a wide spectrum of traditional and alternative asset classes to support the team's sophisticated and diverse clientele.
Prior to joining Morgan Stanley in 2011, Nhu held a similar role at Wells Fargo Advisors for eight years. Nhu holds a B.A. degree in International Development from the University of California, Berkeley. She currently lives in San Jose with her husband and two young children. She is fluent in Vietnamese and enjoys outdoor activities and arts in her free time.
Contact Me
tel: (650) 316-6786
fax: (650) 316-6776
email: Nhu.Dong@morganstanley.com
Prior to joining Morgan Stanley in 2011, Nhu held a similar role at Wells Fargo Advisors for eight years. Nhu holds a B.A. degree in International Development from the University of California, Berkeley. She currently lives in San Jose with her husband and two young children. She is fluent in Vietnamese and enjoys outdoor activities and arts in her free time.
Contact Me
tel: (650) 316-6786
fax: (650) 316-6776
email: Nhu.Dong@morganstanley.com
About Adam Pasco
Adam joined the Mountain View Group in 2018 after graduating from Cal Poly San Luis Obispo earning a B.S. degree in Business Administration with a concentration in Finance. Prior to joining the team full-time in 2018, Adam worked as the Group's summer intern in 2017 and helped with day to day operations as well as event planning.
Currently, Adam supports the financial planning needs of clients, implementing Morgan Stanley's technology with the use of the Goals Planning System (GPS) and LifeView® planning tools. He also advises on annuity products and helps to assist clients with regards to their cash flow needs. With Morgan Stanley's commitment to investing in technology, Adam is a resource for the team in adopting new technology.
Contact Me
tel: (650) 316-6783
fax: (650) 353-3533
email: Adam.Pasco@morganstanley.com
Currently, Adam supports the financial planning needs of clients, implementing Morgan Stanley's technology with the use of the Goals Planning System (GPS) and LifeView® planning tools. He also advises on annuity products and helps to assist clients with regards to their cash flow needs. With Morgan Stanley's commitment to investing in technology, Adam is a resource for the team in adopting new technology.
Contact Me
tel: (650) 316-6783
fax: (650) 353-3533
email: Adam.Pasco@morganstanley.com
About Areeba Abdullah
Areeba is responsible for working closely with the team’s clients to handle their day-to-day financial needs. Her role aligns with her professional strengths, including her can-do attitude, empathetic perspective, and ability to make personal connections with a broad range of clients. Areeba began her career at Virtus Partners, an alternative investment firm, and subsequently joined Morgan Stanley in 2018 as a Branch Administrator in the Menlo Park office. She holds a B.S. in finance and economics from the University of Maryland.
Areeba was born and raised in Karachi, Pakistan, and today she lives in Mountain View with her husband. In her free time, she loves to travel, hike, exercise, play board games and try different
cuisines.
Areeba was born and raised in Karachi, Pakistan, and today she lives in Mountain View with her husband. In her free time, she loves to travel, hike, exercise, play board games and try different
cuisines.
About Lin Wu
Lin cultivates and enhances new and existing client relationships by communicating proactively with clients, processing client requests, resolving inquiries and ensuring that key information and documentation remain current. Lin has worked in the financial industry since 2002, starting as a senior personal banker at Bank of America and later joining Wells Fargo as a private banker, where she worked with Jack Wong.
Lin was born in China, moved to the Bay Area in 1994 and now lives in Fremont with her husband and two daughters. Away from the office, she enjoys pending time with her family and watching her daughter play golf.
Lin was born in China, moved to the Bay Area in 1994 and now lives in Fremont with her husband and two daughters. Away from the office, she enjoys pending time with her family and watching her daughter play golf.
About Jimmy Morimoto
James supports the Mountain View Group in modernizing the client experience through an elevated service model. He assists with the development and growth of business through engaging and utilizing the full capabilities of the firm via Morgan Stanley Online and other digital tools and resources.
Originally from Maui, Hawaii, James recently graduated from Marquette University with a B.S. in business economics and finance. He has gained valuable industry experience through an internship at an investment advisory firm.
Outside of work, James enjoys watching college wrestling, lifting weights and spending time with his wife and two sons.
Originally from Maui, Hawaii, James recently graduated from Marquette University with a B.S. in business economics and finance. He has gained valuable industry experience through an internship at an investment advisory firm.
Outside of work, James enjoys watching college wrestling, lifting weights and spending time with his wife and two sons.
About Sameer Kalra
Sameer supports the Mountain View Group in providing exceptional service to clients. He focuses on building relationships with new and existing clients by addressing their day-to-day financial needs, responding to inquiries, and ensuring their accounts remain up to date.
Sameer recently graduated from UC San Diego with a B.S. in Economics and Finance. He interned at Morgan Stanley in 2023 in the Washington D.C. area through which he was able to gain valuable experience.
Outside of the office, Sameer is a family-oriented individual who enjoys spending time with his dog, Dasher. He has a passion for weight-training and is an avid sports fan.
Sameer recently graduated from UC San Diego with a B.S. in Economics and Finance. He interned at Morgan Stanley in 2023 in the Washington D.C. area through which he was able to gain valuable experience.
Outside of the office, Sameer is a family-oriented individual who enjoys spending time with his dog, Dasher. He has a passion for weight-training and is an avid sports fan.
About Esmeralda Valdez
Esmeralda Valdez is a Client Service Associate at Morgan Stanley, where she supports both new and existing client relationships with attentive and thoughtful care. She is a supportive force within the team, helping to enhance group efficiency through calendar coordination, assisting with client record accuracy, and contributing to internal initiatives.
Before joining Morgan Stanley, Esmeralda spent over three years in the Freight Tech industry, where she advanced into a director level role focused on account operations and management. Her time in the space sharpened her ability to navigate complex systems while maintaining strong attention to detail and prioritizing the client experience. Esmeralda earned her Bachelor of Science in Statistics, with a minor in General Business, from the University of California, Riverside. As she continues to grow in the industry, she is passionate about pursuing her financial licenses to further support her team and clients at the highest level.
She speaks conversational Spanish and, outside of work, enjoys painting, hiking, vinyl record collecting, nature photography, and engaging with her new local community in San Mateo.
Before joining Morgan Stanley, Esmeralda spent over three years in the Freight Tech industry, where she advanced into a director level role focused on account operations and management. Her time in the space sharpened her ability to navigate complex systems while maintaining strong attention to detail and prioritizing the client experience. Esmeralda earned her Bachelor of Science in Statistics, with a minor in General Business, from the University of California, Riverside. As she continues to grow in the industry, she is passionate about pursuing her financial licenses to further support her team and clients at the highest level.
She speaks conversational Spanish and, outside of work, enjoys painting, hiking, vinyl record collecting, nature photography, and engaging with her new local community in San Mateo.
Wealth Management
From My Desk
The Playbook: A Millennial's Guide to Life & Money
Wealth Management
Global Investment Office
Portfolio Insights
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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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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
Iran Conflict: Seven Takeaways for Investors
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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
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.
Ready to start a conversation? Contact Darryl H Ng today.
Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization’s initial and ongoing certification requirements to use the certification marks.
1Morgan 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.
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 or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
3Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States. Morgan Stanley Wealth Management is a business of Morgan Stanley Smith Barney LLC.
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 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.
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.
7Investors should consider many factors before deciding which 529 plan is appropriate. Some of these factors include: the Plan's investment options and the historical investment performance of these options, the Plan's flexibility and features, the reputation and expertise of the Plan's investment manager, Plan contribution limits and the federal and state tax benefits associated with an investment in the Plan. Some states, for example, offer favorable tax treatment and other benefits to their residents only if they invest in the state's own Qualified Tuition Program. Investors should determine their home state's tax treatment of 529 plans when considering whether to choose an in-state or out-of-state plan. Investors should consult with their tax or legal advisor before investing in any 529 Plan or contact their state tax division for more information. Morgan Stanley Smith Barney LLC does not provide tax and/or legal advice. Investors should review a Program Disclosure Statement, which contains more information on investment options, risk factors, fees and expenses and possible tax consequences.
8Morgan 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.
9GlobalCurrency is available to clients of Morgan Stanley Smith Barney LLC with an eligible brokerage account. Before undertaking foreign exchange transactions, clients should understand the associated risks.
Engaging in foreign currency transactions entails more varied risks than normally associated with transactions in the domestic securities markets. Attention should be paid to market, credit, sovereign, and liquidity risks. The foreign exchange transactions and deposits discussed in this material may not be appropriate for all clients. The appropriateness of a particular investment or strategy depends upon a client’s particular circumstances and objectives. This material does not provide individually tailored investment advice.
10Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
11Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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.
13Morgan Stanley’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be appropriate for you. Please see the Morgan Stanley Smith Barney LLC program disclosure brochure (the “Morgan Stanley ADV”) for more information in the investment advisory programs available. The Morgan Stanley ADV is available at www.morganstanley.com/ADV.
14When 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.
15Morgan 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.
16Morgan 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.
17Products and services are provided by third party service providers, not Morgan Stanley Smith Barney LLC (“Morgan Stanley”). Morgan Stanley may not receive a referral fee or have any input concerning such products or services. There may be additional service providers for comparative purposes. Please perform a thorough due diligence and make your own independent decision.
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.
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.
Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.
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
1Morgan 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.
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 or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
3Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States. Morgan Stanley Wealth Management is a business of Morgan Stanley Smith Barney LLC.
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 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.
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.
7Investors should consider many factors before deciding which 529 plan is appropriate. Some of these factors include: the Plan's investment options and the historical investment performance of these options, the Plan's flexibility and features, the reputation and expertise of the Plan's investment manager, Plan contribution limits and the federal and state tax benefits associated with an investment in the Plan. Some states, for example, offer favorable tax treatment and other benefits to their residents only if they invest in the state's own Qualified Tuition Program. Investors should determine their home state's tax treatment of 529 plans when considering whether to choose an in-state or out-of-state plan. Investors should consult with their tax or legal advisor before investing in any 529 Plan or contact their state tax division for more information. Morgan Stanley Smith Barney LLC does not provide tax and/or legal advice. Investors should review a Program Disclosure Statement, which contains more information on investment options, risk factors, fees and expenses and possible tax consequences.
8Morgan 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.
9GlobalCurrency is available to clients of Morgan Stanley Smith Barney LLC with an eligible brokerage account. Before undertaking foreign exchange transactions, clients should understand the associated risks.
Engaging in foreign currency transactions entails more varied risks than normally associated with transactions in the domestic securities markets. Attention should be paid to market, credit, sovereign, and liquidity risks. The foreign exchange transactions and deposits discussed in this material may not be appropriate for all clients. The appropriateness of a particular investment or strategy depends upon a client’s particular circumstances and objectives. This material does not provide individually tailored investment advice.
10Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
11Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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.
13Morgan Stanley’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be appropriate for you. Please see the Morgan Stanley Smith Barney LLC program disclosure brochure (the “Morgan Stanley ADV”) for more information in the investment advisory programs available. The Morgan Stanley ADV is available at www.morganstanley.com/ADV.
14When 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.
15Morgan 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.
16Morgan 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.
17Products and services are provided by third party service providers, not Morgan Stanley Smith Barney LLC (“Morgan Stanley”). Morgan Stanley may not receive a referral fee or have any input concerning such products or services. There may be additional service providers for comparative purposes. Please perform a thorough due diligence and make your own independent decision.
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.
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.
Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.
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)
