Lance D. Rummel, CFP®, CPWA®, CIMA®

Lance D. Rummel and the Pacific Wealth Management Group help successful individuals and families preserve, grow, and transfer their wealth with intention. Lance works closely with high-net-worth clients who often face complex estate, tax, liquidity, and family wealth considerations. His approach is methodical and process-driven, designed to help clients make informed decisions, simplify complexity, and bring greater clarity to the future they are building for themselves and the people and causes they care about most.

Professional Overview
Recognized as a 2026 Forbes Best-In-State Wealth Advisor, Lance brings more than two decades of experience helping clients navigate complex financial landscapes. As a partner with the Pacific Wealth Management Group at Morgan Stanley, he combines the personalized attention of a local advisory relationship with the extensive resources, intellectual capital, and planning capabilities of a global financial services firm.

Lance holds the CERTIFIED FINANCIAL PLANNER™ / CFP^® certification, Certified Private Wealth Advisor^® / CPWA^® designation, and Certified Investment Management Analyst^® / CIMA^® designation. These credentials reflect his commitment to comprehensive financial planning, advanced wealth management strategies, and disciplined investment guidance.

Through a collaborative planning process, Lance helps clients address the decisions that matter most: preserving wealth, investing tax-efficiently, preparing for major liquidity events, transferring assets thoughtfully, and creating a lasting family legacy.

Common Client Priorities
Clients often come to Lance and his team seeking guidance around three central goals:

• Preserving wealth across market cycles and generations
• Growing wealth in a tax-efficient and disciplined manner
• Simplifying financial life for themselves and their families

Areas of Focus

Family Governance and Wealth Education
Wealth transfer can be one of the most important, and most difficult, conversations a family will have. Lance helps families create a structure for these discussions, often guiding them through the development of shared goals, communication practices, and a unified family mission. His work in family governance is designed to help rising generations build financial literacy, confidence, and a sense of responsibility, while helping senior generations feel more assured that wealth will support purpose, and ambition rather than diminish it.

Tax-Aware Planning and Diversification Strategies
For clients with concentrated stock positions, business interests, or anticipated liquidity events, Lance helps develop customized strategies designed to manage risk, improve diversification, and align investment decisions with broader tax and estate planning goals. He regularly coordinates with clients' attorneys, CPAs, and other professional advisors to help ensure planning strategies are integrated and thoughtfully implemented.

Estate Planning Strategies
Transferring wealth to the next generation or to charitable organizations often requires more planning than many families initially realize. Lance works with clients to clarify their objectives, evaluate potential strategies, and coordinate with outside estate planning professionals to help align their financial resources with their legacy goals.

Background and Local Expertise
An Oregon native and active member of the Pacific Northwest community, Lance understands the economic drivers, values, and lifestyle priorities of families in the region. Based in the South Puget Sound, he offers clients the personal attention of a local advisor, supported by the depth and capabilities of Morgan Stanley and the Pacific Wealth Management Group, a robust, multi-disciplinary team.

Lance's passion for investing began early. As a young man, he built his first stock portfolio using earnings from mowing lawns and family gifts. By investing in companies rooted in the Northwest, he experienced firsthand the impact of disciplined, long-term investing, ultimately helping fund his education at Oregon State University, where he majored in Business with a focus in Finance.

He began his career at Smith Barney in 2006 (which later became part of Morgan Stanley) and joined the Pacific Wealth Management Group in 2019.

Personal Life and Community Involvement
Outside of his professional practice, Lance is deeply connected to the maritime culture of the Pacific Northwest. He served as Admiral for the Seattle Yacht Club's Opening Day in 2023 and enjoys exploring the Salish Sea and Canadian Gulf Islands aboard his boat, m/v Rogue.

Lance and his wife, Nora, are active in the Gig Harbor community and operate Gig Harbor Boat Rentals, giving residents and visitors the opportunity to experience Gig Harbor from the water aboard an electric Duffy boat. They live locally with their young son, Liam, and their two rescue cats, Rhodie and Zooey. Lance is also committed to mentorship and community involvement. He has volunteered with Big Brothers Big Sisters of Puget Sound and served as a Junior Achievement mentor.