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
Ranjeev Hira
First Vice President, Financial Advisor
Phone:
(650) 926-7147(650) 926-7147
Zhuo Wang
International Client Advisor
Phone:
(650) 496-4277(650) 496-4277
Hector Naranjo Lepe
Registered Client Service Associate, Portfolio Management Associate, Financial Planning Specialist
Phone:
(650) 926-7672(650) 926-7672
Jenny Lin
Registered Client Service Associate
Phone:
(650) 926-7613(650) 926-7613
About Hugo Manzano-Gomez
With over 25 years of international investing and wealth management experience, Hugo Manzano-Gomez delivers holistic wealth management solutions to an elite clientele of primarily European entrepreneurs and executives. Hugo has built his practice on a foundation of education and competence, bringing a global perspective to the management of significant wealth across borders and across generations. He is familiar with the unique challenges faced by international families who invest in U.S.-based accounts and has an extensive network of professionals with cross-border-taxation expertise.
Prior to joining Morgan Stanley in 2010, Hugo served as a District Manager at Banesto, part of the Banco de Santander Group. Earlier in his career, he served as a Producing Branch Manager at Caixa Laietana. Hugo has also served as Treasurer and a board member of the California Spain Chamber of Commerce.
Born, raised and educated in Barcelona, Hugo earned his undergraduate degree from EUROAULA Business School. He later returned to the E.A.E Business School in Barcelona to complete his master’s degree in finance. Hugo is fluent in in Spanish, English, French and Catalan.
Prior to joining Morgan Stanley in 2010, Hugo served as a District Manager at Banesto, part of the Banco de Santander Group. Earlier in his career, he served as a Producing Branch Manager at Caixa Laietana. Hugo has also served as Treasurer and a board member of the California Spain Chamber of Commerce.
Born, raised and educated in Barcelona, Hugo earned his undergraduate degree from EUROAULA Business School. He later returned to the E.A.E Business School in Barcelona to complete his master’s degree in finance. Hugo is fluent in in Spanish, English, French and Catalan.
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 Ranjeev Hira
Ranjeev Hira is a highly experienced Financial Advisor with Morgan Stanley in the Silicon Valley Complex. He has been in the financial services industry for more than 12 years. He joined Morgan Stanley in 2023 after spending nearly eight years with UBS.
An extremely knowledgeable, caring and industrious professional, Ranjeev is adept at helping high-net-worth clients, particularly in the technology sector, take advantage of the full range of available financial investments to achieve their unique goals.
He places great importance on client service, maintains the highest standard of integrity and professionalism at all times and stays in regular contact with his clients to keep them well-informed about the many investments he meticulously selects for them.
Ranjeev creates a custom, comprehensive financial plan designed to take into account all his client's needs. In fact, he is very skilled at identifying needs that often get overlooked by clients.
A superb communicator, he takes the time to educate his clients about investing and is especially good at explaining complex topics in easy-to-understand language. Ranjeev also encourages clients to ask questions because he believes the more comfortable investors are with his recommendations, the more likely they will remain committed to their financial plan through all market and economic environments.
Perhaps what separates Ranjeev from most Financial Advisors is that he has worked his way up from modest beginnings to become a successful, well-respected professional. He was the first person to attend college in his blue-collar family, and after graduating during the 2009 financial crisis when good jobs were in short supply, he took a position as a bank teller, became a relationship manager in less than six months and worked as a mortgage consultant before becoming a Financial Advisor. “I feel like I’ve grown up in the business,” he says proudly. “More importantly, I have gotten to learn the business in great depth, which has served my clients well.”
A California native, Ranjeev is a graduate of Sacramento State University, where he majored in Economics. In his free time, Ranjeev enjoys golfing, reading and travelling.
An extremely knowledgeable, caring and industrious professional, Ranjeev is adept at helping high-net-worth clients, particularly in the technology sector, take advantage of the full range of available financial investments to achieve their unique goals.
He places great importance on client service, maintains the highest standard of integrity and professionalism at all times and stays in regular contact with his clients to keep them well-informed about the many investments he meticulously selects for them.
Ranjeev creates a custom, comprehensive financial plan designed to take into account all his client's needs. In fact, he is very skilled at identifying needs that often get overlooked by clients.
A superb communicator, he takes the time to educate his clients about investing and is especially good at explaining complex topics in easy-to-understand language. Ranjeev also encourages clients to ask questions because he believes the more comfortable investors are with his recommendations, the more likely they will remain committed to their financial plan through all market and economic environments.
Perhaps what separates Ranjeev from most Financial Advisors is that he has worked his way up from modest beginnings to become a successful, well-respected professional. He was the first person to attend college in his blue-collar family, and after graduating during the 2009 financial crisis when good jobs were in short supply, he took a position as a bank teller, became a relationship manager in less than six months and worked as a mortgage consultant before becoming a Financial Advisor. “I feel like I’ve grown up in the business,” he says proudly. “More importantly, I have gotten to learn the business in great depth, which has served my clients well.”
A California native, Ranjeev is a graduate of Sacramento State University, where he majored in Economics. In his free time, Ranjeev enjoys golfing, reading and travelling.
Securities Agent: ME, GA, CA, NH, NV, NM, DC, AZ, UT, OR, MN, MD, IL, ID, VA, HI, FL, CO, SC, LA, IA, VT, NJ, NE, MA, DE, WI, TN, OK, NC, MO, MI, KS, NY, CT, WA, PA, MT, TX, RI, OH; General Securities Representative; Investment Advisor Representative
About Zhuo Wang
Zhuo strives to deliver holistic wealth management solutions to Ultra High Net Worth families, entrepreneurs, executives and corporations. With a unique international background, Zhuo's practice focuses on bringing a global perspective to the management of wealth across borders and across generations. Zhuo is familiar with the unique challenges faced by international families who invest in U.S.-based assets. With an extensive professional network of tax advisors and trust attorneys, Zhuo's practice provides access to a full range of wealth solutions including global asset allocation, pre and post immigration planning, tax minimization investment strategies, risk management, commercial real estate investment and financing, family trust and generational wealth transfer, and foreign currency exchange solutions.
Prior to joining Morgan Stanley in 2016, Zhuo worked as a banker at JP Morgan Chase and in the Real Estate Private Equity field as well.
Born and raised in China, Zhuo earned her Master Degree in Finance from University of South Florida, her Master's Degree in Linguistics from Yanbian University (China) and her Bachelor's in English from Tianjin Foreign Studies University (China). She holds Series 7, Series 66, and California/New Jersey/Florida/Texas Life Health & Annuity licenses. Zhuo is fluent in English and Mandarin Chinese.
Prior to joining Morgan Stanley in 2016, Zhuo worked as a banker at JP Morgan Chase and in the Real Estate Private Equity field as well.
Born and raised in China, Zhuo earned her Master Degree in Finance from University of South Florida, her Master's Degree in Linguistics from Yanbian University (China) and her Bachelor's in English from Tianjin Foreign Studies University (China). She holds Series 7, Series 66, and California/New Jersey/Florida/Texas Life Health & Annuity licenses. Zhuo is fluent in English and Mandarin Chinese.
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 focuses on maintaining strong and productive relationships with clients. Hector assists with the onboarding transition and process a broad range of service requests. He is also responsible for organizing client seminars, overseeing the marketing, operational, administrative and concierge functions for the team.
Prior to joining Morgan Stanley, Hector was a Wealth Management Client Associate at Merrill Lynch, and was a business owner for five years.
Fluent in both English and Spanish languages, Hector really enjoys working with domestic and international clients. He has obtained Series 7, Series 66 licenses from FINRA. He graduated from San Jose State University with a BS in Finance.
Prior to joining Morgan Stanley, Hector was a Wealth Management Client Associate at Merrill Lynch, and was a business owner for five years.
Fluent in both English and Spanish languages, Hector really enjoys working with domestic and international clients. He has obtained Series 7, Series 66 licenses from FINRA. He graduated from San Jose State University with a BS in Finance.
About Jenny Lin
Jenny Lin was a Relationship Manager who focused on developing long-lasting client relationships and loyalty. In her most recent role, she managed and advised a portfolio of 600+ affluent clients in a total of 230MM assets with the objective of customer acquisition and retention at HSBC Bank USA. She provided comprehensive financial planning, asset management, building financial rapport and developing long term relationships with affluent clients which resulted in net new wealth growth. Prior to this, she worked at Wells Fargo Bank as a licensed banker and brokerage associate.
Jenny holds a Bachelor of Science in Environmental Economics at UC Berkeley. She is bilingual and native in Chinese Mandarin and Cantonese. In her personal time, she enjoys canvas painting and interior design; she also loves biking and hiking during weekends.
Jenny holds a Bachelor of Science in Environmental Economics at UC Berkeley. She is bilingual and native in Chinese Mandarin and Cantonese. In her personal time, she enjoys canvas painting and interior design; she also loves biking and hiking during weekends.
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
Are You Prepared for Tax Day?
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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
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.
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.
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.
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Awards Disclosures
CRC 6491812 (04/2024)
