Jyoti Sharma, QPFC
Associate Vice President,
Financial Advisor,
Senior Portfolio Manager,
Workplace Advisor - Equity Compensation
Direct:
(925) 730-3837(925) 730-3837
Toll-Free:
(800) 834-4434(800) 834-4434
My Mission Statement
Providing highly personalized, family-focused wealth management strategies
My Story and Services
Jyoti Sharma brings a holistic perspective to financial planning, encompassing a 360-degree view of all aspects of a client’s financial life, to help formulate a customized, values-based strategy and guide each client toward confident, educated decisions. Based in our Pleasanton office, Jyoti frequently works with key employees and executives in the technology sector as a Workplace Advisor- Equity Compensation, and is fluent in the complex language of equity compensation and stock options. She also has a wide range of experience in working with women facing transitional situations.
Since 2006, Jyoti has earned clients’ trust though close collaboration with them on investments, tax harvesting, estate planning strategies, life insurance and long-term care, in coordination with their attorneys and tax advisors as needed.
Jyoti earned a B.S. in Business, magna cum laude, from CSU East Bay. She and her husband Jai Kumar, a tech executive, have two children: Ayushi, a Plastics & Reconstructive Surgery Resident and Karan, a data analyst. An avid traveler, Jyoti also loves biking, and cooking world cuisines. She is an active supporter of the nonprofit organization Narika and Blackhawk Community Cares Foundation.
Since 2006, Jyoti has earned clients’ trust though close collaboration with them on investments, tax harvesting, estate planning strategies, life insurance and long-term care, in coordination with their attorneys and tax advisors as needed.
Jyoti earned a B.S. in Business, magna cum laude, from CSU East Bay. She and her husband Jai Kumar, a tech executive, have two children: Ayushi, a Plastics & Reconstructive Surgery Resident and Karan, a data analyst. An avid traveler, Jyoti also loves biking, and cooking world cuisines. She is an active supporter of the nonprofit organization Narika and Blackhawk Community Cares Foundation.
Securities Agent: ME, FL, AZ, NY, IN, OR, OH, ID, HI, KY, GA, CA, AL, WI, NV, NM, NC, MO, MN, IL, CO, WY, PA, WA, MI, MA, AK, NJ, SD, MT, KS, ND, MD, VA, TX; General Securities Representative; Investment Advisor Representative
NMLS#: 2119647
CA Insurance License #: 0F48494
NMLS#: 2119647
CA Insurance License #: 0F48494
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Nearly two decades of working with clients’ estate and retirement plans has taught me that your goals, interests, passions, values, needs and commitments can and should be factored into your financial decisions. Understanding the entirety of your life helps me to shape and customize my approach to ensure that your investments and overall financial plans are consistent with your views and values.
Clients often bring up charitable giving when we begin talking about value-based planning. I can help you to focus your charitable planning on organizations that promote your values and beliefs, as well as create an ongoing results-oriented strategy.
Value-based planning conversations naturally include discussions about your legacy. I am very aware of the nuances and challenges of carrying forward the wealth that you’ve created and/or inherited. Working together with your attorney and CPA, I can help to create a plan for passing on your assets in a way that honors your values as well as your financial commitments.
Clients often bring up charitable giving when we begin talking about value-based planning. I can help you to focus your charitable planning on organizations that promote your values and beliefs, as well as create an ongoing results-oriented strategy.
Value-based planning conversations naturally include discussions about your legacy. I am very aware of the nuances and challenges of carrying forward the wealth that you’ve created and/or inherited. Working together with your attorney and CPA, I can help to create a plan for passing on your assets in a way that honors your values as well as your financial commitments.
Personal
Highly individualized and committed to helping you achieve financial success
Flexible
Responsive to changes in your life and in your priorities over time
Comprehensive
Covering a broad array of investment products and services, with preferred benefits tied to your valued status with us
Financial Planning Analysis
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I thoroughly enjoy working with my women clients. Our conversations about wealth management often begin from a holistic place – understanding their investments in the context of the big picture of their life. This is a perspective that I deeply appreciate. I believe it’s important to focus on the well-being of your entire family, knowing that every decision we make together may impact many people.
Together, we tackle the financial side of life issues such as a birth, death, educational need, career shift, health issue, or the beginning or end of a relationship. During those times of transition, I work with your CPA and attorney to help ensure everyone stays on the same page.
But, beyond those issues, I help you navigate other situations that are unique to women. We tackle the consequences of out-earning a partner, the challenges of divorce if you’ve been out of the workforce for a long time, your choices around caring for aging parents or raising grandchildren. It’s my job to listen carefully to your hopes and concerns, and provide a map for moving forward with confidence.
Together, we tackle the financial side of life issues such as a birth, death, educational need, career shift, health issue, or the beginning or end of a relationship. During those times of transition, I work with your CPA and attorney to help ensure everyone stays on the same page.
But, beyond those issues, I help you navigate other situations that are unique to women. We tackle the consequences of out-earning a partner, the challenges of divorce if you’ve been out of the workforce for a long time, your choices around caring for aging parents or raising grandchildren. It’s my job to listen carefully to your hopes and concerns, and provide a map for moving forward with confidence.
During the first decade of my career, I focused almost entirely on retirement and estate strategies for private wealth clients. I’ve found that no matter how successful you’ve been at creating wealth for yourself and your family, transitioning to retirement requires a different mindset. You will no longer be focused on acquiring wealth – now, your financial concerns shift to preservation and distribution. You need to think income, rather than assets, and with that new mindset comes a whole host of new tax questions and implications. Even successful investors can become tangled in these new demands.
I’ve been helping clients plan and navigate successful retirements for more than 15 years. Some of the issues we consider include:
• Mapping out your retirement income and expenses
• Considering healthcare options
• Downsizing debt
• Creating a strategy around Social Security benefits
• Focusing on minimizing the impact of inflation and taxes
And, of course, estate planning is part of the process. For many years I have coordinated with my clients’ CPAs and attorneys to create cohesive strategies not only for a financial legacy, but for one that passes on your values.
I’ve been helping clients plan and navigate successful retirements for more than 15 years. Some of the issues we consider include:
• Mapping out your retirement income and expenses
• Considering healthcare options
• Downsizing debt
• Creating a strategy around Social Security benefits
• Focusing on minimizing the impact of inflation and taxes
And, of course, estate planning is part of the process. For many years I have coordinated with my clients’ CPAs and attorneys to create cohesive strategies not only for a financial legacy, but for one that passes on your values.
I am based in Pleasanton, California, where many of my clients are executives or key employees in the tech industry. They are smart, busy people who can be very knowledgeable about financial markets and prefer to pick their own stocks or other investments. They turn to me for a different kind of assistance.
Since my executive clients tend to be in high tax brackets, I usually begin there and work backwards. After all, when it comes to investing, it's not just how much you make that matters—it’s how much you keep after taxes. We consider the role of losses, the timing of investments and investment selection. Are your current investments invested in the right things and the right places? Are they tax efficient? Do they make sense to your overall financial strategy?
Since my executive clients tend to be in high tax brackets, I usually begin there and work backwards. After all, when it comes to investing, it's not just how much you make that matters—it’s how much you keep after taxes. We consider the role of losses, the timing of investments and investment selection. Are your current investments invested in the right things and the right places? Are they tax efficient? Do they make sense to your overall financial strategy?
Location
4309 Hacienda Drive
Ste 200
Pleasanton, CA 94588
US
Direct:
(925) 730-3837(925) 730-3837
Toll-Free:
(800) 834-4434(800) 834-4434
1999 Harrison St
Oakland, CA 94612
US
Direct:
(925) 730-3837(925) 730-3837
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
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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 Jyoti Sharma today.
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
2Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
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.
4Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
5Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
6Morgan 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.
7Morgan 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.
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
2Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
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.
4Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
5Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
6Morgan 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.
7Morgan 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.
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
CRC 6491812 (04/2024)
