

Laguna Pacific Wealth Management Group at Morgan Stanley
George J Strnad, CIMA®Jeff Main, CFP®Stacey T Chung, CFP®Trevor Plant, CFP®Gregory ManiaciKatie KelleyWendy CrockettSumana Kar
Direct:
(949) 955-7876(949) 955-7876
Toll-Free:
(800) 575-7706(800) 575-7706

Our Mission Statement
By combining experience, intellectual capital, and dedicated personal service, we help you meet your life goals so you can focus on the people and things you value most.
Our Commitment
Our mission is to be a personal trusted advisor for our clients while building a long-term relationship based on integrity, accountability, and understanding. In a world of “Robo-advisors” and “one-size –fits-all ETF Portfolios,” we have found that most affluent investors are treated generically, in portfolios that might or might not meet their objectives. In contrast, Laguna Pacific Wealth Management Group works with a limited number of affluent families and individuals utilizing the same principles we use when creating customized plans for our largest institutional clients. Institutions are successful because their plans are created to meet their specific goals. Every plan we create is unique to each individual client needs and aspirations.
Forbes Best-In-State Wealth Management Teams
- The Laguna Pacific Wealth Management Group has been named a Forbes Best-In-State Wealth Management Team in 2025. Source: Forbes.com (Awarded Jan 2025) Data Compiled By Shook Research LLC Based On Time Period From 3/31/23-3/31/24.
Services Include
- Financial PlanningFootnote1
- Asset Management
- Alternative InvestmentsFootnote2
- Retirement PlanningFootnote3
- Executive Financial ServicesFootnote4
- Equity Compensation
- Life InsuranceFootnote5
- Long-term Care InsuranceFootnote6
- Cash ManagementFootnote7
- Estate Planning StrategiesFootnote8
- Business Succession PlanningFootnote9
- Endowments and FoundationsFootnote10
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Location
28202 Cabot Rd
Ste 500
Laguna Niguel, CA 926771271
US
Direct:
(949) 955-7876(949) 955-7876
Toll-Free:
(800) 575-7706(800) 575-7706
1901 Main St
Ste 700
Irvine, CA 92614
US
Direct:
(949) 365-5335(949) 365-5335
Meet Laguna Pacific Wealth Management Group
About George J Strnad
George graduated from the California State University Fullerton where he received his undergraduate degree in 1985. He completed the last year of his undergraduate degree at Somerville College, Oxford England. He is a graduate of the Securities Industry Institute at the Wharton School University of Pennsylvania and was awarded the designation of Certified Investment Management Analyst (CIMA). From 1988 to 1999, George was Senior Consultant with Monarch Beach Wealth Management Group at Morgan Stanley. In 1999, he earned his Senior Institutional Consultant designation. In 2001 George completed the NYU Stern School of Business, Masters of Wealth Management Program and in 2012 was awarded the title of Senior Portfolio Management Director at Morgan Stanley. In 2015 George earned the prestigious title of Family Wealth Director. About 5% of Financial Advisors have obtained the Family Wealth Director designation as of December 2023. In 2022 George was awarded the title of Managing Director, Wealth Management.
2025 Forbes Best-In-State Wealth Advisors
Source: Forbes.com (Awarded Apr 2025) Data compiled by SHOOK Research LLC based on time period from 6/30/23 - 6/30/24.
NMLS#1288360 CA INS LIC 0A58420
Awards Disclosures
2025 Forbes Best-In-State Wealth Advisors
Source: Forbes.com (Awarded Apr 2025) Data compiled by SHOOK Research LLC based on time period from 6/30/23 - 6/30/24.
NMLS#1288360 CA INS LIC 0A58420
Awards Disclosures
Securities Agent: MN, IL, CO, SC, CA, WI, TX, MO, MA, VA, TN, GA, KY, OK, NV, NJ, IN, AK, MI, WA, OR, FL, PA, AZ, WY, NY, ID, HI, AR, UT, NC, MS, MD, NM; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 1288360
CA Insurance License #: 0A58420
NMLS#: 1288360
CA Insurance License #: 0A58420
About Jeff Main
Jeff is a Senior Vice President, Family Wealth Advisor, Alternative Investments Director, Certified Financial PlannerTM at The Laguna Pacific Wealth Management Group at Morgan Stanley. With 23 years of industry experience, he enjoys helping individuals and families achieve new levels of success and a sense of confidence. His disciplined process combines personal planning with his in-depth market analysis to guide clients in achieving their goals and simplifying their wealth. Jeff has always enjoyed helping others and building relationships. If he can help someone solve a problem, he receives great satisfaction. He firmly believes that helping clients organize, understand and manage their financial lives helps improve their overall quality of life.
After earning his degree in Biological Sciences at the University of California, Irvine and the University of Melbourne (Australia), Jeff worked in a science laboratory and then in commercial lending. While both offered the ability to help others, there was little opportunity to build longstanding relationships. This changed when Jeff met the manager at his local Morgan Stanley branch. Today, 23 years later, he has built a successful career that allows him to help others manage their wealth and stay organized, so they can enjoy life. Through an effective use of the full resources of Morgan Stanley, his teammates and clients’ other tax and legal advisors, he provides timely financial guidance to help clients make decisions for themselves, their careers and their families.
His desire to help others achieve their personal and professional goals is equaled only by his dedication to his community and family. Jeff is currently a member of the Orange County Sherriff's Advisory Council and a board member of The Boys & Girls Clubs of Laguna Beach, a national organization focused on empowering young people to reach their full potential as healthy, caring and contributing members of society. Originally from Hacienda Heights California, Jeff now lives in Lake Forest with his wife, Kalea. He loves music and enjoys spending his free time playing the piano. He also enjoys all things outdoors, with a focus on hiking, biking, and skiing.
After earning his degree in Biological Sciences at the University of California, Irvine and the University of Melbourne (Australia), Jeff worked in a science laboratory and then in commercial lending. While both offered the ability to help others, there was little opportunity to build longstanding relationships. This changed when Jeff met the manager at his local Morgan Stanley branch. Today, 23 years later, he has built a successful career that allows him to help others manage their wealth and stay organized, so they can enjoy life. Through an effective use of the full resources of Morgan Stanley, his teammates and clients’ other tax and legal advisors, he provides timely financial guidance to help clients make decisions for themselves, their careers and their families.
His desire to help others achieve their personal and professional goals is equaled only by his dedication to his community and family. Jeff is currently a member of the Orange County Sherriff's Advisory Council and a board member of The Boys & Girls Clubs of Laguna Beach, a national organization focused on empowering young people to reach their full potential as healthy, caring and contributing members of society. Originally from Hacienda Heights California, Jeff now lives in Lake Forest with his wife, Kalea. He loves music and enjoys spending his free time playing the piano. He also enjoys all things outdoors, with a focus on hiking, biking, and skiing.
Securities Agent: OR, MI, AZ, WA, CA, AK, TN, MT, CT, TX, OH, AR, MD, ID, CO, NV, NJ, NC, HI, NY, NE, IN, IL, MA, UT, NM, IA, GA, DC, WY, WI, MO, FL, SC; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1398725
CA Insurance License #: 0D14681
NMLS#: 1398725
CA Insurance License #: 0D14681
About Stacey T Chung
Stacey is a Financial Advisor with the Laguna Pacific Wealth Management Group at Morgan Stanley working with successful families and business owners managing their financial world. She began her investment career in 2000 where she started as an intern but quickly became captivated by the financial industry and shortly after earned her securities licenses, Series 7 and 66. She has spent the past 20 years crafting and servicing financial solutions for high net worth individuals and families utilizing principles of true wealth management. She continues to expand her knowledge so she is able to help her clients navigate through the increasingly complex financial environment and has earned the designation of Certified Financial Planner. She graduated from California State University Fullerton where she received her undergraduate degree in Business Management. Stacey enjoys traveling and spending time outdoors with her husband, David and their two children.
CA insurance Lic. # 0K65888 NMLS ID 1460472
CA insurance Lic. # 0K65888 NMLS ID 1460472
Securities Agent: OR, PA, SC, TN, TX, UT, VA, WA, WI, WY, AK, AR, AZ, CA, CO, FL, GA, HI, ID, IL, IN, KY, MA, MD, MI, MO, NC, NJ, NM, NV, NY, OK; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1460472
CA Insurance License #: 0K65888
NMLS#: 1460472
CA Insurance License #: 0K65888
About Trevor Plant
Trevor is a Vice President, CFP® professional and a Financial Advisor at The Laguna Pacific Wealth Management Group, a highly skilled wealth management practice located in Laguna Niguel, CA. Whether he is helping an executive understand their compensation plan or helping them diversify out of a concentrated stock position, Trevor is dedicated to helping clients achieve their goals. He believes successful people all share a common bond: They encounter important life events that require timely guidance to help them make the right financial decisions. He is there to help them each step of the way.
Trevor attended California State University, Fullerton to earn his B.S. degree in Business Administration with a concentration in Finance. He joined The MacArthur Group in 2019, which merged with The Laguna Pacific Wealth Management Group in 2025, where he is now responsible for specific areas of financial planning and focuses on Executive Compensation, Concentrated Stock Positions, and Tax Efficient Investment Strategies. Trevor also helps clients make decisions regarding Social Security, Medicare, Long Term Care, & Life Insurance. Most importantly, he enjoys building caring relationships with clients and having a positive impact on the quality of their lives.
Trevor’s passion has always been sports. He believes his involvement in baseball was a crucial factor in his development as a kid. That is why he serves on the board of PureGame - A non-profit organization that provides sports-based educational programs for kids in Orange County.
Throughout his career, Trevor has remained committed to professional development. Trevor is a CFP® professional, Insurance Planning Director, and maintains his FINRA Series 7 and 66 licenses. Outside the office, he enjoys traveling, golf and cheering on the Los Angeles Angels. He and his wife, Elizabeth, now reside in Rancho Mission Viejo, CA with their daughter, Olivia and their cat, Harrison.
Trevor attended California State University, Fullerton to earn his B.S. degree in Business Administration with a concentration in Finance. He joined The MacArthur Group in 2019, which merged with The Laguna Pacific Wealth Management Group in 2025, where he is now responsible for specific areas of financial planning and focuses on Executive Compensation, Concentrated Stock Positions, and Tax Efficient Investment Strategies. Trevor also helps clients make decisions regarding Social Security, Medicare, Long Term Care, & Life Insurance. Most importantly, he enjoys building caring relationships with clients and having a positive impact on the quality of their lives.
Trevor’s passion has always been sports. He believes his involvement in baseball was a crucial factor in his development as a kid. That is why he serves on the board of PureGame - A non-profit organization that provides sports-based educational programs for kids in Orange County.
Throughout his career, Trevor has remained committed to professional development. Trevor is a CFP® professional, Insurance Planning Director, and maintains his FINRA Series 7 and 66 licenses. Outside the office, he enjoys traveling, golf and cheering on the Los Angeles Angels. He and his wife, Elizabeth, now reside in Rancho Mission Viejo, CA with their daughter, Olivia and their cat, Harrison.
Securities Agent: NE, AR, SC, AZ, AK, WI, OR, NM, IA, NY, MD, MA, WA, CA, OH, NV, NC, MO, ID, GA, CT, WY, UT, TX, NJ, IL, HI, DC, MT, CO, TN, MI, IN, FL; General Securities Representative; Investment Advisor Representative
NMLS#: 1841089
CA Insurance License #: 0M85831
NMLS#: 1841089
CA Insurance License #: 0M85831
About Gregory Maniaci
Greg is a Portfolio Management Director and Partner with the Laguna Pacific Wealth Management Group. Greg is an investment professional with over 36 years’ experience and is firmly committed to providing families and businesses comprehensive financial advice. His approach is to provide clients with an understanding of the current economic environment so that they are informed and empowered when making a decision that affects their family and/or business. He enjoys the challenge of helping secure the successful retirement and subsequent intergenerational wealth transfer and estate planning for his clients.
Greg also works with institutions, consulting with plan sponsors of ERISA qualified plans to help them fulfill their fiduciary responsibilities, and to help them create more successful retirement outcomes for their plan participants. Greg’s designation of Corporate Retirement Director allows him to provide 3(21) and 3(38) fiduciary services from Morgan Stanley for the Qualified Plan marketplace.
Greg graduated from University of Southern California where he received his Master’s degree in business administration. Greg has been recognized as a member of Morgan Stanley’s prestigious President’s Club and Chairman’s Club for the over 20 years. Greg has said the best move he ever made was not a stock investment, but marrying the love of his life, Debbie, over 40 years ago.
Greg also works with institutions, consulting with plan sponsors of ERISA qualified plans to help them fulfill their fiduciary responsibilities, and to help them create more successful retirement outcomes for their plan participants. Greg’s designation of Corporate Retirement Director allows him to provide 3(21) and 3(38) fiduciary services from Morgan Stanley for the Qualified Plan marketplace.
Greg graduated from University of Southern California where he received his Master’s degree in business administration. Greg has been recognized as a member of Morgan Stanley’s prestigious President’s Club and Chairman’s Club for the over 20 years. Greg has said the best move he ever made was not a stock investment, but marrying the love of his life, Debbie, over 40 years ago.
Securities Agent: NV, IL, MA, CA, WA, MS, HI, GA, TN, OR, OK, CO, AZ, NJ, NE, FL, WY, WI, UT, MI, VA, TX, SC, NC, PA, NY, NM, NH, MD, IN, AK, ID, DC, AR; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1431029
CA Insurance License #: 0A37963
NMLS#: 1431029
CA Insurance License #: 0A37963
About Katie Kelley
Katie is a Financial Advisor and partner with the Laguna Pacific Wealth Management Group. She began her investment career in 2011 doing Commercial Banking at a national bank before transitioning to the Financial Advisor role at Morgan Stanley. Katie has attained her Series 7 and 66 securities licenses. She is also a licensed mortgage broker and California Insurance Broker with the capacity to bring Insurance Planning and Lending Solutions to her clientele (CA Ins. Lic #0K16024, NMLS 1370986.) Katie is focused on helping professionals, retirees, and multi-generational families solve their financial challenges. With an emphasis on financial planning, her comprehensive approach includes a thorough planning process and a commitment to providing an exceptional client experience.
Katie graduated from Concordia University Irvine where she received her undergraduate degree in Finance and Business Management. She is a former high school and collegiate golfer and now resides in south Orange County with her husband, Brian, and their children, Kendall and Grant. Katie’s hobbies include cooking, reading, working out, and spending time with her family.
Katie graduated from Concordia University Irvine where she received her undergraduate degree in Finance and Business Management. She is a former high school and collegiate golfer and now resides in south Orange County with her husband, Brian, and their children, Kendall and Grant. Katie’s hobbies include cooking, reading, working out, and spending time with her family.
Securities Agent: IN, WA, OR, AZ, SC, UT, TX, WY, NE, NH, NY, NV, PA, NM, MA, TN, ND, WI, VA, KY, ID, HI, OK, IL, AR, NJ, AK, CO, NC, FL, MO, MI, MD, GA, CA; General Securities Representative; Investment Advisor Representative
NMLS#: 1370986
CA Insurance License #: 0K16024
NMLS#: 1370986
CA Insurance License #: 0K16024
About Wendy Crockett
Wendy started her career with Dean Witter in Newport Beach, California October 1996 and has been with the company ever since. Her experience servicing clients and attention to detail has made her a strong asset to the firm and our team. Her hobbies include watching sports, running, swimming and anything active.
About Sumana Kar
Joining Morgan Stanley in 2017, Sumana is a Portfolio Associate with over 18 years of industry experience serving high net worth investors and their families. She graduated from the University of California, Irvine with a BA in International Studies. Sumana currently holds FINRA Series 63, 65, and 7 licenses.
Prior to joining Morgan Stanley, she worked for JP Morgan Chase and American Funds.
During her free time, Sumana enjoys hiking and exploring new cuisines. When she is not exploring new places and cuisines, Sumana spends much of her time with her family. She is originally from the East Coast and spent some years overseas, currently resides in Irvine, California.
Prior to joining Morgan Stanley, she worked for JP Morgan Chase and American Funds.
During her free time, Sumana enjoys hiking and exploring new cuisines. When she is not exploring new places and cuisines, Sumana spends much of her time with her family. She is originally from the East Coast and spent some years overseas, currently resides in Irvine, California.
About Kristen Lee
Kristen joined the team in 2025 as a Client Service Associate. Prior to joining Morgan Stanley, she worked at Merrill Lynch for over 5 years. She graduated with a Bachelor’s degree in Public Health Sciences from UC Irvine and a Master’s in Theology from Vanguard University. She maintains her California and FINRA Series 7, 63, and 65 licenses.
Kristen is a born and bred Orange County native, and in her free time, she enjoys going on runs (working towards a half-marathon), going to Disneyland and attending Broadway shows.
Kristen is a born and bred Orange County native, and in her free time, she enjoys going on runs (working towards a half-marathon), going to Disneyland and attending Broadway shows.

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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.
1Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
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.
3When 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.
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.
5Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
6Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
7Morgan 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
8Morgan 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.
9Morgan 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.
10Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards 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
1Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
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.
3When 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.
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.
5Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
6Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
7Morgan 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
8Morgan 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.
9Morgan 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.
10Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
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Awards Disclosures
CRC 6491812 (04/2024)