George J Strnad, CIMA®
Managing Director, Wealth Management, Wealth Advisor, Family Wealth Director
Phone:
(949) 955-7876(949) 955-7876
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 CrockettKristen LeeSogol Behrouz
Direct:
(949) 955-7876(949) 955-7876
Toll-Free:
(800) 575-7706(800) 575-7706
Industry Award WinnerOur 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
In today's rapidly changing world, careful planning and personalized advice have become even more important as you and your family pursue your financial goals.
At The Laguna Pacific Wealth Management Group, our goals-based approach focuses on your full financial picture. We carefully consider each goal -- from putting your children through college and preparing for retirement to caring for aging parents and leaving a lasting legacy.
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 may or may 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. We combine the world-class resources of a global financial firm with the intimate relationship you expect from a specialty investment boutique.
As an experienced team of caring advisors, we are dedicated to helping you navigate the distractions of challenging markets, while strengthening your family's financial security. You've worked hard to create wealth for you and your family. We believe now is the time to put that wealth to work. We look forward to creating a comprehensive plan aimed at maintaining the lifestyle you deserve and the future you envision.
We look forward to speaking with you soon.
Designations
- Certified Financial Planner™(CFP®)
- Certified Investment Management Analyst™ (CIMA®)
- Family Wealth Director
- Alternative Investments Director
- Insurance Planning Director
- Financial Planning Specialist
- Corporate Retirement Director
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.*
Our Process: Focused on YOU
Our comprehensive and consultative process focuses on you and your family – where you are today and where you want to go. Working together, we develop the strategies to get you there, providing objective advice and investment insights to construct a wealth management plan that is uniquely yours.
Additionally, Laguna Pacific Wealth Management's Managing Director and Family Wealth Director, George Strnad, leverages the versatile resources of Morgan Stanley and professionals to help our clients and their families maximize the value of their human capital by driving family wealth education, making it more likely that all members of the family will have the foundation and support they need to potentially lead meaningful, fulfilled and engaged lives.
- Listen careully to understand what is important to you and your family
- Introduce you to our practice and the services we provide
- Schedule our next discussion if there is common ground among us
- Gather important financial documents
- Identify any challenges or circumstances unique to your situation
- Clarify and prioritize your goals
- Develop a tailored financial and investment plan, utilizing a breadth of world-class asset management, risk management and financial planning tools
- Collaborate with team members to identify custom scenarios for your consideration
- Incorporate planning strategies developed by your tax and legal advisors
- "Stress Test" your plan to identify areas requiring more discussion
- Present our recomendations along with key action steps
- Revise your plan accordingly, prioritizing activities and establishing timelines
- Finalize and implement investment recommendations with our portfolio managers
- Introduce you to our concierge service team to set up tools to make your life easier
- Provide ongoing updates and implement "course correction" strategies as needed
Step 1: Understand Your Needs
Step 2: Analyze & Assess
Step 3: Build & Present Your Plan
Step 4: Finalize & Implement
Our Team's Family Wealth Capabilities
A Family Wealth Director (FWD) is a rare distinction, earned by less than 4% of Morgan Stanley's Financial Advisors as of February 2021. The designation is given to advisors who have undergone distinctive training to complement their extensive experience working with ultra-high net worth families. To learn more about our family wealth capabilities, click the link below.
Family Governance and Wealth Education
The Family Governance & Wealth Education group helps ultra high net worth families strive to maximize the value of their human capital by addressing sensitive family issues, facilitate communication and manage your family dynamic in an effort to achieve a shared sense of common direction in coordination with your outside advisors.
Legacy & Estate Planning strategies
We engage with our Executive Planning Director and Wealth Planning Center to provide a fully integrated, comprehensive analysis of your balance sheet, estate plan, and investment strategy through a collaborative process- at your request we will coordinate with your legal tax advisors as well.
Philanthropy Management
We provide our clients with a smart way to give to causes and charities they care about through Morgan Stanley GIFT. Our donor advised fund, GIFT, is a 501(c)(3) public charity structured to offer you a simple, thoughtful and tax-advantageous way to support your favorite charities.
Managing Assets & Liabilities
While the strategies and solutions we provide can be broad in scope, our approach is tailored to specific needs. We deliver the personalized attention you expect, as we utilize Morgan Stanley's investment tools and platforms to help achieve your financial and legacy goals.
Investment Management
At Morgan Stanley Investment Management, our goal is to provide strong long-term performance to a diverse client base of governments, institutions, corporations, advisors and individuals worldwide.
Learn More
Tax Management Services
Reducing the current tax liabilities on your investments can help enhance your overall returns. Implementing our Tax Management Services in a taxable managed investment portfolio, known as a Unified Managed Account (UMA), seeks to offer you professional and tax efficient portfolio management to help meet your unique financial goals.
Learn MoreAlternative Investments
For qualified investors, Alternative investments can provide a measure of diversification, but they also typically come with a different risk profile an less liquidity.
Learn More
Direct Indexing
Direct Indexing may benefit many types of investors based on their investment objectives. Direct indexing is an investment strategy in which an investor directly owns the individual stocks composing an index, rather than investing in mutual funds or ETFs.
Learn More
Cash Management and Lending Solutions
At Morgan Stanley, we recognize that clients and their families have unique needs that require dedicated experience and capabilities. Our goal is to help simplify your financial life with a combination of cash management and lending solutions designed to complement your investment strategy and support your financial goals.
Learn MoreA financial plan made for you
Our wealth management process begins with you, your investment objectives and your financial goals. Holistic in its approach, it may encompass all the elements of your financial life - your investments and your cash management needs - making sure they align with your goals and wealth management plan.
At Morgan Stanley, we understand that the goals you set today will evolve over time. Your plan will evolve with them - and with the changing circumstances of your life.
Leveraging a sophisticated suite of analytic tools, as well as the extensive resources of Morgan Stanley, we can help you take charge of your financial future an achieve your goals. Below, we have provided some links that will introduce you to a few of the tools that we use, please click to learn more about them. We hope that you will return often to learn more about topics impacting your wealth.
At Morgan Stanley, we understand that the goals you set today will evolve over time. Your plan will evolve with them - and with the changing circumstances of your life.
Leveraging a sophisticated suite of analytic tools, as well as the extensive resources of Morgan Stanley, we can help you take charge of your financial future an achieve your goals. Below, we have provided some links that will introduce you to a few of the tools that we use, please click to learn more about them. We hope that you will return often to learn more about topics impacting your wealth.
LifeView - Intelligent Planning
LifeView is a suite of planning tools that includes goal-specific analysis that we can use with our clients to create a realistic, integrated strategy that incorporates the various aspects of an individual’s financial life, including investments and cash management needs. Fill out the questionnaire to get started talking with us about creating a personalized strategy for your long-term goals.
Complete Questionnaire Here
Goals Planning System
Goals Planning System (GPS) is Morgan Stanley’s own integrated planning tool. Built on the Firm’s intellectual capital and capabilities, GPS is an intuitive and efficient platform used to quickly assess whether a client is “On Track” to achieving their financial goals.
Start Planning Now
Intelligent Risk Management
There’s a chance your portfolio may be at risk, but how you manage that risk is what matters.
Portfolio Risk Platform – A risk management platform that provides comprehensive risk estimation and reporting across a broad range of asset classes and security types. This platform provides both an overview and a detailed view to better enable risk to be effectively monitored and managed.
Learn More HerePortfolio Risk Platform – A risk management platform that provides comprehensive risk estimation and reporting across a broad range of asset classes and security types. This platform provides both an overview and a detailed view to better enable risk to be effectively monitored and managed.
Strategy - Intelligent Withdrawals
Building wealth is a means to an end. Taxes can eat up a significant portion of your assets upon withdrawal. This is why it's vital to look at your entire portfolio and coordinate liquidation to help reduce the impact of taxes and potentially improve investment results.
The decisions your make today can help you save for years to come. Use the resources found in the link below to help get started.
View Tax-Aware Strategies HereThe decisions your make today can help you save for years to come. Use the resources found in the link below to help get started.
Spending and Budgeting Tool
One way to manage savings is by using Morgan Stanley’s Spending and Budgeting tool. These tools help advisors monitor client cash flows across both internal and external accounts. It also tracks spending patterns and produces an income and expense analysis to help clients achieve their goals by adjusting their spending behavior when necessary.
Start Using the Tool TodayValuable Tools and Resources
We believe financial education leads to better insights into our investment strategy and discipline, and ultimately, better long-term decisions. As a result, we are committed to providing you with important information about managing your wealth more effectively in today's global markets.
We have assembled the following resources that reinforce the fundamental investment strategies and concepts of our practice. We've provided links to these materials, where available, and hope you'll return often to learn more about the topics that impact your overall wealth.
We have assembled the following resources that reinforce the fundamental investment strategies and concepts of our practice. We've provided links to these materials, where available, and hope you'll return often to learn more about the topics that impact your overall wealth.
Morgan Stanley Online
Beyond viewing your account balance and activity, Morgan Stanley Online (MSO) has a suite of features that allow you to manage your everyday finances from paying bills and sending money to transferring funds and authorizing transactions with eAuthorizations.
Register for MSO Today
Spending and Budgeting Tool
Track spending habits, categorize expenses and create budgets across your Morgan Stanley and external financial accounts with our Spending and Budgeting Tool.
Track Your Spending
Total Wealth View
View all your external financial accounts directly in Morgan Stanley Online or the mobile app. By linking your accounts, you'll benefit from more informed wealth planning, secure data access and convenient connectivity.
Link Your Accounts
Digital Vault
Digital Vault allows for easy sharing and convenient access to your most important documents from wills and deeds to financial statements and tax fillings. Easily manage your encrypted financial records all in one place.
Secure Your Documents
eDelivery
eDelivery provides you with the ability to view statements and other documents electronically in lieu of paper. Clients who are registered in Morgan Stanley Online may enroll in eDelivery.
Enroll TodayFamily Office Resources
Morgan Stanley Family Office Resources provides specialized, technical expertise to select clients across a broad range of family wealth management issues. Our core capabilities span three complimentary areas of focus including Governance & Legacy, Wealth Strategies and Signature Access.
Explore the CapabilitiesMS Reserved
Reserved Living & Giving is a tiered complimentary loyalty program that rewards Morgan Stanley's most valued clients. The program is designed to enhance your lifestyle and relationship with the firm beyond traditional wealth management services.
Explore the Offers
Cyber Security Resources
At Morgan Stanley, safeguarding your assets and personal information is among our highest priorities. Learn about our security measures and use our resources and ideas to help protect yourself online.
How to Stay Safe
Thoughts on the Market Podcast
With perspectives on the forces shaping the market, join Morgan Stanley's Chief Investment Officer and Chief US Equity Strategist as her and her colleagues discuss their viewpoints regarding the latest trends in the financial marketplace.
Access the Latest EpisodeGIC On the Markets
Detailed market commentary from Morgan Stanley's thought leaders on topics such as global equities, fixed income, monetary policy and more.
Read the Latest Report
GIC Weekly
The Global Investment Committee's Lisa Shalett headlines this weekly look at markets, asset class performance and fixed income.
Read the Latest ReportWhat Should I Do with My Money? Podcast
Managing our money is one of the most important aspects of our lives, and yet, many people don't have someone they can depend on for help when they need it.
On this podcast, we match real people, asking real questions about their money, with experienced Financial Advisors.
Listen to the Latest EpisodeOn this podcast, we match real people, asking real questions about their money, with experienced Financial Advisors.
2025 Federal Tax Tables
This document outlines the 2025 tax rate schedule, education and health savings account limits, retirement contribution and deduction limits, among other information.
View 2025 Federal Tax RatesLocation
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
Jeff Main, CFP®
Senior Vice President, Wealth Management, Financial Advisor, Family Wealth Advisor, Alternative Investments Director
Phone:
(949) 365-5335(949) 365-5335
Senior Vice President, Wealth Management, Financial Advisor, CERTIFIED FINANCIAL PLANNER®, Family Wealth Advisor
Phone:
(949) 955-7877(949) 955-7877
Trevor Plant, CFP®
Vice President, Wealth Management, Financial Advisor, Insurance Planning Director, Financial Planning Specialist
Phone:
(949) 365-5337(949) 365-5337
Executive Director, Wealth Management, Financial Advisor, Corporate Retirement Director
Phone:
(949) 365-5319(949) 365-5319
First Vice President, Wealth Management, Financial Advisor, Portfolio Management Director, Financial Planning Specialist
Phone:
(949) 365-5327(949) 365-5327
Wendy Crockett
Senior Registered Client Service Associate
Phone:
(949) 955-7584(949) 955-7584
Sogol Behrouz
Portfolio Associate
Phone:
(949) 365-5311(949) 365-5311
Kristen Lee
Registered Client Service Associate
Phone:
(949) 365-5338(949) 365-5338
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: IL, MI, FL, VA, TN, GA, OK, NV, NJ, IN, AK, UT, NC, MS, MD, DE, PA, AZ, WY, NY, ID, HI, AR, SC, OR, CA, WI, CO, KY, TX, WA, MO, MA, NM, MN; 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: FL, IN, WA, CA, AK, TN, MT, CT, VA, TX, OH, AR, DE, IL, UT, NM, IA, GA, DC, WY, WI, MO, SC, OR, MI, MA, AZ, MD, ID, CO, NV, NJ, NC, HI, NY, NE; 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: IL, AZ, WI, HI, DE, VA, MO, MD, IN, CA, UT, TN, NM, GA, MI, TX, NV, NJ, SC, OR, NY, NC, FL, MA, CO, AK, WY, PA, OK, ID, AR, WA, KY; 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: NC, MO, ID, GA, CT, SC, AZ, AK, WI, OR, NM, IA, NY, MD, MA, DE, WY, UT, TX, NJ, IL, HI, DC, MT, CO, TN, MI, IN, VA, FL, AR, WA, CA, OH, NV, NE; 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 Sogol Behrouz
Drawing on more than 15 years of industry experience, Sogol is often the first line of contact on a broad array of client services. A consummate professional, she is committed to providing each client with the highest level of personal service. Sogol joined Morgan Stanley in 2016.
From the largest task to the smallest request, Sogol works diligently to exceed client expectations. She manages the team’s day-to-day activities, as she cultivates and develops longstanding relationships with our clients. Prior to joining Morgan Stanley, Sogol worked as a Financial Advisor at Waddell & Reed for seven years. She graduated from San Francisco State University where she received her undergraduate degree in Sociology. She also maintains her California and FINRA Series 7, 63, 65, licenses, as well as her life and health insurance licenses.
Growing up in the Bay Area, Sogol wanted to work in the financial services industry to help people like her father understand the intricate details of their finances. She saw firsthand how a lack of understanding can make managing wealth difficult. While her father immigrated to the U.S. and became very successful, he lacked the knowledge to protect his assets from the “what ifs” in life. This experience inspired Sogol to pursue a career in wealth management so she could help others understand and manage their money more effectively.
Sogol and her husband, Behnam, and daughter, Golsa, live in Laguna Niguel near her parents and other family members. Outside of the office, she enjoys visiting art museums and exhibitions and designing flower arrangements for family and friends. Sogol also has an eye for fashion and enjoys providing personal styling advice.
California Insurance License : 0H17701
From the largest task to the smallest request, Sogol works diligently to exceed client expectations. She manages the team’s day-to-day activities, as she cultivates and develops longstanding relationships with our clients. Prior to joining Morgan Stanley, Sogol worked as a Financial Advisor at Waddell & Reed for seven years. She graduated from San Francisco State University where she received her undergraduate degree in Sociology. She also maintains her California and FINRA Series 7, 63, 65, licenses, as well as her life and health insurance licenses.
Growing up in the Bay Area, Sogol wanted to work in the financial services industry to help people like her father understand the intricate details of their finances. She saw firsthand how a lack of understanding can make managing wealth difficult. While her father immigrated to the U.S. and became very successful, he lacked the knowledge to protect his assets from the “what ifs” in life. This experience inspired Sogol to pursue a career in wealth management so she could help others understand and manage their money more effectively.
Sogol and her husband, Behnam, and daughter, Golsa, live in Laguna Niguel near her parents and other family members. Outside of the office, she enjoys visiting art museums and exhibitions and designing flower arrangements for family and friends. Sogol also has an eye for fashion and enjoys providing personal styling advice.
California Insurance License : 0H17701
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.
CA Insurance License #: 4473823
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Awards and Recognition
Forbes Best-In-State Wealth Management Teams
Forbes Best-In-State Wealth Management Teams Source: Forbes (Awarded Jan 2025) Data compiled by SHOOK Research LLC based for the period 3/31/23-3/31/24.
Forbes Best-In-State Wealth Advisors
Forbes Best-In-State Wealth Advisors Source: Forbes.com (Awarded April 2025) Data compiled by SHOOK Research LLC for the period 6/30/23 - 6/30/24.
2
The Power of Partnerships
By partnering with experienced individuals across wealth disciplines, Morgan Stanley Financial Advisors can align specialized resources with your custom needs and deliver strategic guidance through the familiarity and trust of existing relationships
Kyle Miller
Private Banker
About Kyle Miller
Kyle Miller is a Senior Private Banker serving Morgan Stanley Wealth Management offices in California.
Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending
solutions.
Kyle began his career in financial services in 2005, and joined Morgan Stanley in 2011 as an Associate Private Banker. Prior to joining the firm, he was a Senior Banker at U.S. Bank. He also spent time early in his career
with the Denver Broncos.
Kyle is a graduate of the University of Colorado at Boulder, where he received a Bachelor of Science in Marketing and Finance, and San Diego State University, where he received his MBA in Business Administration. He lives in Dana Point, California with his wife and two daughters. Outside of the office, Kyle enjoys skiing, playing golf and volunteering in the community.
Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending
solutions.
Kyle began his career in financial services in 2005, and joined Morgan Stanley in 2011 as an Associate Private Banker. Prior to joining the firm, he was a Senior Banker at U.S. Bank. He also spent time early in his career
with the Denver Broncos.
Kyle is a graduate of the University of Colorado at Boulder, where he received a Bachelor of Science in Marketing and Finance, and San Diego State University, where he received his MBA in Business Administration. He lives in Dana Point, California with his wife and two daughters. Outside of the office, Kyle enjoys skiing, playing golf and volunteering in the community.
NMLS#: 798374
Private Bankers, Ultra High Net Worth ("UHNW") Specialists, PBG Market Managers, Lending Advisors, Mortgage Consultants, Regional Mortgage Specialist, Cash Management Specialists, Associate Private Bankers are employees of Morgan Stanley Private Bank, National Association.
Banking products and services are offered by Morgan Stanley Private Bank, National Association, Member FDIC.
Morgan 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
Banking products and services are offered by Morgan Stanley Private Bank, National Association, Member FDIC.
Morgan 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
Wealth Management
From Our Team
The Morgan Stanley Minute "Legacies that Last"
Wealth Management
Global Investment Office
Portfolio Insights
This is a video content
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
A Simple Six-Step Retirement Checkup
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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
Rational Investing in an Age of Uncertainty
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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
529 Plans: A Powerful Tool to Save for Education
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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
Retirement for Plan Sponsors
End-to-End Services, Made Simple:
We can provide the tools and guidance to help you manage a retirement plan.
We can provide the tools and guidance to help you manage a retirement plan.
- Plan Evaluation
- Investment Management
- Plan Management Support
- Plan Participant Education
Small Business Retirement Plans
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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 Laguna Pacific Wealth Management Group today.
CFP Board owns the marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the U.S., which it awards to 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.
CFP Board owns the marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque 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 | Morgan Stanley
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.
CFP Board owns the marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque 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 | Morgan Stanley
CRC 4665150 (8/2025)
