

Janet Hroncich, CFP®, ChFC®, RICP®

My Mission Statement
My Story and Services
As a CERTIFIED FINANCIAL PLANNER® practitioner, I am committed to building a relationship of trust in which I can work closely with you to help you define your objectives, explore alternatives and choose the financial and investment strategies that are most appropriate for you. As our relationship evolves, I hope you will come to regard me as a valued resource and professional who can help you make a more informed decision on any financial issue.
NMLS#: 1310715
Location
Meet My Team
About Janet Hroncich
Janet focuses on working with high net worth individuals with complex financial and estate planning needs.
Janet earned her MBA from Golden Gate University in San Francisco, CA and her BA from Dickinson College in Carlisle, PA. After a successful career working at the National Security Agency and as a defense contractor, Janet decided to pursue a career in financial planning in 1999.
Janet is a CERTIFIED FINANCIAL PLANNER® practitioner, a Chartered Financial Consultant®, and a Retirement Income Certified Professional® who is committed to helping her clients achieve financial independence.
Janet is active in numerous professional and philanthropic organizations, including:
- Member, Epworth Methodist Church, Rehoboth Beach, Delaware
- Stewardship Pathway (2013 – 2015)
- Planned Giving and Endowment Chairperson (2013 – 2015)
- Member, WE@MS (Women Engaged at Morgan Stanley)
- Volunteer and Fundraiser for Alex’s Army Childhood Cancer Foundation, Haymarket, Virginia
- Former Board Member, Miriam’s Table, Rehoboth Beach, Delaware
In her free time, Janet enjoys boating, golf, traveling and is an avid sports fan.
CA Insurance License #: 1310715
About Dawn Newland
Dawn is driven to deliver a service experience that consistently exceeds clients' expectations. Her passion is providing this experience with courtesy and level of personal care the team's clients deserve. Dawn holds a Series 7, 63 and 65, along with her Florida Life, Life & Health and Variable Annuity Licenses. Dawn and her husband, John, enjoy family time with their son going to the gym, beach and outdoor activities
Awards and Recognition



This award was issued in 2017, 2019, 2020, 2021. The award was determined based on an evaluation process conducted by Five Star Professional based on objective criteria from 2017 Award – 4/26/16-12/21/16 2019 Award – 5/30/18-12/20/18 2020 Award – 5/20/19-12/20/19 2021 Award- 6/1/20-12/18/20.
Five Star Professional, as a third-party research firm, identified pre-qualified award candidates based on industry data and contacted all identified broker dealers, Registered Investment Advisor firms and FINRA-registered representatives to gather wealth manager nominations. Self-nominations are not accepted. Wealth managers and/or their firms do not pay a fee to be considered or placed on the final list of Five Star Wealth Managers.
For more information on the Five Star award and the research/selection methodology, go to fivestarprofessional.com. ©2022 Morgan Stanley Smith Barney LLC. Member SIPC

Portfolio Insights
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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.
6When 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.
7Alternative 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.
8Structured Investments are complex and not appropriate for all investors. An investment in structured investments involves risks. These risks can include but are not limited to: fluctuations in the price, level or yield of underlying asset(s), interest rates, currency values and credit quality, substantial loss of principal, limits on participation in appreciation of underlying asset(s), limited liquidity, credit risk, and/or conflicts of interest. Many structured investments do not pay interest or guarantee a return above principal at maturity. Investors should read the security’s offering documentation prior to making an investment decision.
9Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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Awards Disclosures