Hugo Manzano-Gomez
Senior Vice President, Financial Advisor, International Client Advisor, Senior Portfolio Management Director
Phone:
(650) 926-7168(650) 926-7168
Janet K. Zhang, CFP®
Senior Vice President,
Financial Advisor,
International Client Advisor,
Portfolio Management Director,
Alternative Investments Director,
Insurance Planning Director
Direct:
(650) 496-4255(650) 496-4255
My Mission Statement
Providing customized global investment strategies and dedicated personal service to help exceptional families and corporations address their most complex wealth management issues.
WELCOME
Janet is listed as the 2025 Forbes Top Women Best-In-State Advisor, and her team, the Orbis Terrarum Group, is listed as 2025 Forbes Best-In-State Wealth Management Team.
With decades of experience in wealth management, Janet and the team are well versed in solving complex challenges that arise when managing significant wealth across borders. They serve as a global bridge, providing highly customized, comprehensive cross border solutions to a global clientele of affluent families, executives and corporations located in Asia, North America and Europe.
Collaborating with Morgan Stanley's Family Office resources and leveraging her own extensive professional network of tax advisors and trust attorneys, Janet ensures her team provides expertise on domestic and foreign trust planning, global asset management, tax efficient investment strategies—including management of restricted stock and concentrated positions—and intergenerational wealth transfer.
Born and raised in China, Janet is fluent in both Mandarin and English. She earned her MBA from Pepperdine University. Prior to joining Morgan Stanley in 2015, she was a financial advisor at HSBC and Merrill Lynch. Earlier in her career she spent seven years helping Chinese companies invest in and build subsidiaries in the U.S. and the Middle East.
Services Include
- Philanthropic ManagementFootnote1
- Alternative InvestmentsFootnote2
- Estate Planning StrategiesFootnote3
- Executive Financial ServicesFootnote4
- Executive Benefit ServicesFootnote5
- Retirement PlanningFootnote6
- Planning for Education FundingFootnote7
- Cash Management and Lending ProductsFootnote8
- Foreign ExchangeFootnote9
- Life InsuranceFootnote10
- AnnuitiesFootnote11
- Trust Services*
Securities Agent: OR, OH, MI, AZ, ID, WI, CA, WA, TX, MN, NV, MO, IA, FL, NY, GA, CO, NJ, NC, DE, DC, SC, VA, WY, MD, MA, IL; General Securities Representative; Investment Advisor Representative
NMLS#: 558100
NMLS#: 558100
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Experience
Before joining Morgan Stanley in 2015, I was a Vice President at HSBC Security USA. I started my wealth management career at Merrill Lynch. Earlier in my professional life, I spent six years helping Chinese companies to invest and build subsidiaries in the U.S. and the Middle East. This experience gave me a global perspective and a deep understanding of international business, which adds value to my work as a Financial Planning Specialist.
I earned my MBA from Pepperdine University, where I was awarded a full-tuition scholarship and Reva Graziadio Endowed Scholarship.
I hold the following licenses:
Series 7 -General Securities Representative
Series 66 - Uniform Combined State Law, Investment Advisory
California Health, Life & Annuity Lic. #0H56764
Florida Life Health & Annuity Lic. # W375686
New Jersey Life Health & Annuity Lic. # 1688999
As a native of China, I speak fluent Mandarin, and also studied and worked in China before coming to the U.S. in 2007. Currently, I live in the Bay Area with my husband and son. In my free time, my passion is to travel—I have been to five continents, and plan to visit Antarctica in 2018.
I earned my MBA from Pepperdine University, where I was awarded a full-tuition scholarship and Reva Graziadio Endowed Scholarship.
I hold the following licenses:
Series 7 -General Securities Representative
Series 66 - Uniform Combined State Law, Investment Advisory
California Health, Life & Annuity Lic. #0H56764
Florida Life Health & Annuity Lic. # W375686
New Jersey Life Health & Annuity Lic. # 1688999
As a native of China, I speak fluent Mandarin, and also studied and worked in China before coming to the U.S. in 2007. Currently, I live in the Bay Area with my husband and son. In my free time, my passion is to travel—I have been to five continents, and plan to visit Antarctica in 2018.
My Clients
I serve a diverse and select clientele, including highly successful corporations, corporate executives, business owners, entrepreneurs and multi-generational families. My clients come from all parts of the world, but what they have in common is their drive to succeed and their desire to protect and pass on their assets, as well as their values.
My approach to working with clients centers around a disciplined, goals-based wealth management process. I spend time learning about my clients’ short-term and long-term financial goals, and walk them through different scenarios so they can understand the financial impact of their choices and decisions. When appropriate, I also work closely with their other professional advisors—CPAs, tax attorneys, and estate planning attorneys—to help ensure an integrated strategy that considers every aspect of their financial life.
We make it east for successful individuals like you to manage every aspect of your financial life, no matter how complex your specific situation may be.
My approach to working with clients centers around a disciplined, goals-based wealth management process. I spend time learning about my clients’ short-term and long-term financial goals, and walk them through different scenarios so they can understand the financial impact of their choices and decisions. When appropriate, I also work closely with their other professional advisors—CPAs, tax attorneys, and estate planning attorneys—to help ensure an integrated strategy that considers every aspect of their financial life.
We make it east for successful individuals like you to manage every aspect of your financial life, no matter how complex your specific situation may be.
Approach
Discovery Process
Investing the time to learn about you and your family; your assets and liabilities and the risk exposures, enables us to formulate strategies and customize the relationship to your needs.
Formulation of Tax, Trust and Estate Strategy
Working with your tax and legal advisors, we help analyze your income and estate tax circumstances to identify and tailor planning techniques that may be used to address your objectives.
Creation of Customized Strategic Asset Allocation
Your customized asset allocation reflects risk, opportunities and taxation across multiple entities, while integrating your investing and estate plans.
Integration of Tactical Asset Allocation
Short-term adjustments seek to capitalize on temporary market distortions. Before making adjustments, we analyze the impact of taxes and trading costs on potential returns.
Implementation of a Customized Wealth Strategy
After comprehensive due diligence and analysis of expected results across multiple market scenarios, strategies are chosen from our expansive investment platform.
Ongoing Assessment
In coordination with your other advisors, we can conduct ongoing reviews and comprehensive reporting to ensure that your strategy adapts to changing financial and family needs.
Location
2775 Sand Hill Road
Suite 120
Menlo Park, CA 94025
US
Direct:
(650) 496-4255(650) 496-4255
Fax:
(650) 493-6647(650) 493-6647
Meet My Team
Zhuo Wang
Financial Advisor, International Client Advisor, Portfolio Manager
Phone:
(650) 496-4277(650) 496-4277
Hector Naranjo Lepe
Wealth Management Associate, Portfolio Management Associate, Financial Planning Specialist
Phone:
(650) 926-7672(650) 926-7672
Jenny Lin
Registered Client Service Associate, Financial Planning Specialist
Phone:
(650) 926-7613(650) 926-7613
About Hugo Manzano-Gomez
Hugo Manzano-Gomez brings a global perspective to the management of wealth across both borders and generations. Hugo provides personalized holistic wealth management solutions to ultra-high net worth European entrepreneurs and executives as well as to U.S. citizens who are relocating overseas.
As an International Client Advisor and a Workplace Advisor—Executive Compensation, Hugo has experience in overcoming the unique technical challenges faced by international families who have cross border investment and compensation issues. He has an extensive global network of tax, estate and pre-immigration planning professionals. Hugo also understands multi-cultural perspectives regarding investing, risk, business and family legacies.
Hugo was born and raised in Barcelona. He is fluent in Spanish, English, French and Catalan. After earning his undergraduate degree from EUROAULA Business School, Hugo spent a decade with the Catalan Bank Caixa Laietana as a Producing Branch Manager. He then earned a master’s degree in finance from the E.A.E. Business School. Hugo subsequently joined Banesto, part of the Banco de Santander Group, as a District Manager. In 2010 he moved to the United States and joined Morgan Stanley. Hugo has served as treasurer and been a board member of The California Spain Chamber of Commerce.
As an International Client Advisor and a Workplace Advisor—Executive Compensation, Hugo has experience in overcoming the unique technical challenges faced by international families who have cross border investment and compensation issues. He has an extensive global network of tax, estate and pre-immigration planning professionals. Hugo also understands multi-cultural perspectives regarding investing, risk, business and family legacies.
Hugo was born and raised in Barcelona. He is fluent in Spanish, English, French and Catalan. After earning his undergraduate degree from EUROAULA Business School, Hugo spent a decade with the Catalan Bank Caixa Laietana as a Producing Branch Manager. He then earned a master’s degree in finance from the E.A.E. Business School. Hugo subsequently joined Banesto, part of the Banco de Santander Group, as a District Manager. In 2010 he moved to the United States and joined Morgan Stanley. Hugo has served as treasurer and been a board member of The California Spain Chamber of Commerce.
Securities Agent: CA, AZ, MI, FL, WA, NY, NC, MD, IL, SC, DE, CO, WI, MO, VA, MA, PR, NV, NJ, MN, DC, OR, TX, TN, ID, WY; General Securities Representative; Investment Advisor Representative
About Zhuo Wang
Zhou Wang understands the role national culture and family dynamics play in wealth management planning. That informs Zhou’s work with her cross-border clients, many of whom have a multigenerational presence in both Asia and the United States.
Zhou believes clients deserve detailed information and guidance about strategies and products in a manner they can understand and that respects their background. She has found that language fluency and providing technical knowledge are essential, but not enough. Understanding cultural differences and being able to explain the advantages of strategies such as prudent borrowing, and the differences between countries’ equity markets, helps international clients make more efficient and effective decisions. And having the ability to serve as a bridge, not just across borders, but across generations, helps secure values as well as financial legacies.
Born and raised in China, Zhuo is fluent in both Mandarin and English. She earned a bachelor’s degree in English from Tianjin Foreign Studies University, a master’s degree in linguistics from Yanbian University and a master’s degree in Finance from the University of South Florida. Zhou began her financial services career at Morgan Stanley as a Wealth Advisory Associate and then a Registered Client Associate before becoming a Financial Advisor in 2021. To take a break from the fast pace of following the markets, Zhou likes to do yoga, walk along the beach and sail.
Zhou believes clients deserve detailed information and guidance about strategies and products in a manner they can understand and that respects their background. She has found that language fluency and providing technical knowledge are essential, but not enough. Understanding cultural differences and being able to explain the advantages of strategies such as prudent borrowing, and the differences between countries’ equity markets, helps international clients make more efficient and effective decisions. And having the ability to serve as a bridge, not just across borders, but across generations, helps secure values as well as financial legacies.
Born and raised in China, Zhuo is fluent in both Mandarin and English. She earned a bachelor’s degree in English from Tianjin Foreign Studies University, a master’s degree in linguistics from Yanbian University and a master’s degree in Finance from the University of South Florida. Zhou began her financial services career at Morgan Stanley as a Wealth Advisory Associate and then a Registered Client Associate before becoming a Financial Advisor in 2021. To take a break from the fast pace of following the markets, Zhou likes to do yoga, walk along the beach and sail.
Securities Agent: FL, OR, OH, DC, IL, AZ, WY, TX, MD, MA, IA, MN, ID, DE, WA, SC, NY, MO, CO, NV, GA, CA, CT, VA, PA, NJ, MI; General Securities Representative; Investment Advisor Representative
About Hector Naranjo Lepe
Hector Naranjo Lepe loves building and maintaining strong connections to clients, from the onboarding process through the entire range of their relationship with the Orbis Terrarum Group. Hector is responsible for organizing client seminars and overseeing the marketing, operational, administrative and concierge functions for the team.
Hector was born in Jalisco, Mexico and is fluent in Spanish and English. Raised in an entrepreneurial family, Hector eventually became co-owner of an alternative health care company. Realizing he was drawn to the financial elements of business, he decided to go to San Jose State University and graduated with a degree in finance and business. Hector worked at Merrill Lynch before joining Morgan Stanley in 2021. In his spare time he enjoys hiking.
Hector was born in Jalisco, Mexico and is fluent in Spanish and English. Raised in an entrepreneurial family, Hector eventually became co-owner of an alternative health care company. Realizing he was drawn to the financial elements of business, he decided to go to San Jose State University and graduated with a degree in finance and business. Hector worked at Merrill Lynch before joining Morgan Stanley in 2021. In his spare time he enjoys hiking.
About Jenny Lin
Jenny Lin enjoys helping families develop solutions that address their own unique financial circumstances. Jenny helps with financial plans and with all the operational services clients need, such as familiarizing them with the online platform, opening accounts, transferring funds, making payments or obtaining documents.
Jenny was born in China and is fluent in Mandarin, Cantonese and English. She earned a Bachelor of Science In Environmental Economics for the University of California Berkeley. Jenny worked in the solar energy field before her interest in the financial side of the industry prompted a move, first to Wells Fargo and then to HSBC, where she spent three years as a Premier Relationship Manager working with a portfolio of more than 600 affluent clients. She joined Morgan Stanley in 2022. Jenny enjoys painting, hiking and cycling in her off hours.
Jenny was born in China and is fluent in Mandarin, Cantonese and English. She earned a Bachelor of Science In Environmental Economics for the University of California Berkeley. Jenny worked in the solar energy field before her interest in the financial side of the industry prompted a move, first to Wells Fargo and then to HSBC, where she spent three years as a Premier Relationship Manager working with a portfolio of more than 600 affluent clients. She joined Morgan Stanley in 2022. Jenny enjoys painting, hiking and cycling in her off hours.
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
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
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
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
Donor Advised Funds: A Smart Way to Manage Your Giving
Article Image
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 Janet K. Zhang today.
Certified Financial Planner Board of Standards, Inc. (CFP Board) owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™, and CFP® (with plaque design) in the United States, which it authorizes use of by individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
1Products 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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Alternative 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.
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.
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.
5When 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.
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.
7When 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.
8Morgan 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
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.
11Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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 Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame 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
1Products 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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Alternative 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.
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.
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.
5When 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.
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.
7When 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.
8Morgan 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
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.
11Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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.
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Awards Disclosures
CRC 6491812 (04/2024)
