My Story and Services

Larry's dad lost his life savings during the Recession of 1991 after trusting an advisor who didn't have his best interest.

When you have too much money and people depend on you, figuring out whom to trust can be scary and daunting.

After watching his family suffer, Larry decided to become a financial advisor to make a difference.

Larry believes that you should always come first.

Years later, that belief was tested.

Larry voiced his concerns and later was met with retaliation and defamation.

Larry then stood up for what is right in a David vs Goliath case and won a FINRA award (now public record).

https://www.finra.org/arbitration-mediation/arbitration-awards

Why?

It's not about me. It's all about you.

How is putting you first possible?

Process over prediction!

Connect -> Discovery -> Leverage -> Plan -> Guide

This financial planning process is the backbone in guiding you to the highest probability of success for your dreams and financial goals.

If all you need is investments at the lowest cost, then we are not the best fit for you.

Our E*TRADE platform might be a better fit for you in this scenario.

Do you have concerns regarding the market volatility, the recent election, and the unknowns?

Will a 22-year veteran who has navigated accredited investors, entrepreneurs, doctors, financial professionals, and families like yourself through 3 recessions (2001, 2008, and 2020) benefit you?

Investing blindly and need a game plan on what to do next?

Going through a crisis such as layoffs, divorce, early retirement, passing of loved one, etc.?

For entrepreneurs and accredited investors...

Looking for alternative investments not open to the general public and are exclusive only to Morgan Stanley clients?

Are you successful, but feel that you pay too much in taxes?

Did you build up your retirement so well that you now have an estate problem?

Need help with business valuations and exit strategies?

If you need investments along with tax strategies, retirement and estate planning, risk management, and generational wealth strategies, then let's talk.

When not working, Larry volunteers as a soccer and Jiu Jitsu coach for his three girls.

He also loves to play basketball against 20-year-old kids who help him to stay young and fit.

Last, Larry will never turn down an opportunity to dance salsa with his wife, Zoraida, the love of his life for the past 19 years.

If you want to know Larry and his team better, please reach out to us so we can chat.

"Ask for help. Not because you are weak, but because you want to remain strong." - Les Brown.

The investments listed may not be appropriate for all investors. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, and encourages investors to seek the advice of a financial advisor. The appropriateness of a particular investment will depend upon an investor's individual circumstances and objectives.

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 matters involving trusts, estate planning, charitable giving, philanthropic planning or other legal matters.

Please note that the URL(s) or hyperlink(s) in this material is not to a Morgan Stanley Smith Barney LLC website. It was created, operated and maintained by a different entity. Morgan Stanley Smith Barney LLC 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 linked site; nor do we guarantee its accuracy or completeness. Morgan Stanley is not responsible for the information contained on the third party web site or the use of or inability to use such site.

Morgan Stanley Smith Barney LLC 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 visit us at http://www.morganstanleyindividual.com or consult with your Financial Advisor to understand these differences.

E*TRADE is a business of Morgan Stanley.

Morgan Stanley Smith Barney LLC. Member SIPC.

Services Include
Securities Agent: NY, MD, SC, VA, TX, PA, OH, NC, IL, GA, FL, CT, CA, AL; General Securities Representative; Investment Advisor Representative
NMLS#: 1949123
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*

Connect, Discovery, Leverage, Plan, Guide

Short version...

We will take the time to connect and explain how we can help. Then, you decide if it makes sense to move forward or not.

Discovery lets us know where you are now vs where you want to go. We then connect the dots and create a game plan to hopefully make it a reality.

During our analysis, you will leverage the exclusive resources of Morgan Stanley and Larry's old school grit and wisdom of 22 years to find the best solutions.

Larry will provide the top 2 - 3 plans along with the pros, cons, and costs. He will provide his recommendation, but it is your decision which plan you want to execute.

Guidance is more than an annual review. It is being there for you whenever you need us. Markets and life changes may be beyond our control. Yet, we will continue to guide you, now and going forward.

For more details, please read below.

    Connect

    We'll chat (over tea or coffee if you like) to take the time to get know you personally, identify what is important to you, and find out what would you like to happen going forward.

    What problems or pain points are you dealing with right now?

    Who is dependent on your success?

    What keeps you up at night?

    What areas do you feel you need to level up?

    What questions do you need answers to now?

    In order for you to say, "I made the right decision!", what needs to happen?

    Next, we'll explain our process, how the resources of Morgan Stanley can help you, and how we guide clients like yourself achieve their goals and dreams.

    The goal is to see if it makes sense to work together or not.

    If all you need are investments at a low cost, then I can tell you right now that we are not the best fit for you.

    Our E*TRADE platform might be a better fit for you in this scenario.

    Yet, if you are looking to do much more such as tax strategies, retirement and estate planning, risk management, and generational wealth strategies, then in these scenarios we can have a deeper conversation.

    If at the end you don't feel we are a good fit for you, no hard feelings at all.

    You need to do what is best for you.

    Only when you feel that it is in your highest good to work together shall we move forward to the next step of discovery.

    Discover

    "It is not enough to collect facts. The future belongs to those connect dots." - Adam Grant.

    The goal of discovery is to take a snapshot of where you stand now and where you want to go.

    This snapshot will allow us to connect the dots which will then create a roadmap.

    The roadmap will tell us what necessary steps are needed to hopefully make your dreams a reality and identify what are potentially the best options for you to take.

    Thus, our discovery will have two parts: numbers and emotions.

    Numbers forces us to deal with the hard facts.

    Emotions helps us to address your fears and concerns while honoring your desires and wishes.

    You'll receive a checklist and a questionnaire to help you prepare for this meeting.

    Remember that you're not alone. We're here to help you.

    Once we have all the info we need, we move on to the next step of Leverage.

    Leverage

    "Leverage is the best kept secret of the rich. Struggling business owners will spend time to save money, whereas successful business owners will spend money to save time." - Allan Dib.

    This stage is where old school grit and wisdom will leverage new world ideas.

    We start by leveraging the Artificial Intelligence and technology of Morgan Stanley to identify not only what you are doing well, but to identify where you can do better.

    We then start to identify which partnerships we need to pull in to leverage their expertise.

    You'll have to opportunity to meet our financial planning director, Bruce Spencer, CFP®, RICP®, NSSA and his team who will assist you in tailoring your financial plan.

    For many, it may make sense to leverage our Morgan Stanley Tax Management Services to lower your tax bill.

    Remember it's not how much you make, but how much you keep that matters!

    For accredited investors, especially business owners and real estate investors, we might leverage our Morgan Stanley Alternative Investments platform and partners to gain exclusive access to deals that are not open to the general public to help you potentially build generational wealth!

    Analysis plus leverage is what allows you to identify which actions and strategies have the highest probability of success.

    Once we have all the info we need, we move on to the next step of Plan.

    Plan

    "An hour of planning can save you 10 hours of doing." - Dale Carnegie.

    "A goal without a plan is just a wish." - Antoine de Saint-Exupery.

    The goal is to find out which plans of action will give you the biggest bang for your buck.

    Larry will offer the best 2 or 3 plans of action along with explaining the pros, cons, and fees.

    Why?

    Every medication has a benefit, side effect, and cost.

    Money is no different.

    Larry's dad was informed of the good, but not of the bad and ugly.

    So, Larry makes it a part of his practice to explain the good, bad, and the ugly because this courtesy was never paid to his dad.

    It's important for you to know.

    Larry will also give you his opinion on which strategy he feels is best for you to take.

    Yet, you're an adult. It's still your decision.

    By having this information, you can now make an informed decision.

    If at the end, you believe it's in your highest good to move forward, we will execute and move on to Guide.

    Guide

    "There are many who give advice, but few who offer guidance." - unknown.

    Just because your children become adults doesn't stop you from being their guide for life.

    The same courtesy is given to you.

    Let me be your financial guide going forward.

    Losing sleep regarding your retirement due to market volatility, the recent elections, and the unknowns?

    Come to me. I can guide you through this.

    Have concerns about any potential tax changes, and how it may affect you?

    Let me guide you.

    Having any problems with your business or an organization that you are a part of?

    I could potentially guide you through this.

    Financial problems within your family and loved ones?

    I might be able to help and guide you through this as well.

    Offering guidance is much more than staying in touch and doing an annual review.

    Having access to a financial advisor that welcomes you to pick his brain and have access to his resources throughout the year is a game changer.

    Why?

    It about being there for you whenever you need us now and going forward.

Working with Us

At Morgan Stanley, we help successful individuals and families simplify complexity, preserve your wealth, and plan for what's next.

Here's what you'll find on this page:

  1. Who we help.
  2. Your client experience.
  3. Why Morgan Stanley.
  4. How to get in touch.
    Who We Help

    We concentrate in serving clients with unique financial needs:

    • Accredited Investors
    • Entrepreneurs
    • Physicians & Medical Professionals
    • Financial Industry Professionals
    • Successful Individuals & Families in transition

    If you've worked hard to build wealth and want to preserve or grow it with purpose—we're here for you.

    Your Client Experience - 5 Tiers

    Not everyone needs the same service. That's why we offer five tiers of experience—each tailored to your goals, access needs, and where you are in your financial journey. Each tier builds on the previous one, with added benefits as you grow.

    Tier 5: Just Curious, Not Ready

    • Access our Resources tab 24/7.
    • Follow Larry Cabrera on LinkedIn and Facebook.
    • Join our email list for insights and event invites. Email us your info at larry.cabrera@morganstanley.com to enroll.

    When you're ready, we're here.
    And if someone you care about needs help—please don't keep us a secret.

    Tier 4: Planning Focused, No Asset Management

    • Financial planning only
    • Ideal for those who want strategy, not asset management (yet)

    Our 6-Degrees of Separation Planning Approach

    Our planning process goes beyond generic software. We help you stress-test for:

    1. Poor timing in markets (e.g., retiring during downturns)
    2. Real World Inflation Rates: 3% overall, 5% education, 6% healthcare
    3. Estate/bequest-focused planning: Preserving vs depleting assets
    4. Risk tolerance changes over time
    5. Historical stress-testing (2008, -10%/-20% drawdown scenarios)
    6. Real-world threats simulations (wars, tariffs, policy changes)

    Additional Services Include:

    • Morgan Stanley Online (MSO)
    • Total Wealth View
    • Portfolio Risk Platform
    • Digital Vault
    • E*Trade

    Tier 3: $300k - $2M

    Starting at $300k or more, financial plans along with annual reviews & updates are included.

    Additional Services:

    • Tax Management Tools
    • Morgan Stanley Advisory Portfolios:
    • Morgan Stanley Cash management solutions

    Additional Access (for $1M+ clients):

    • Alternative Investments
    • Morgan Stanley Reserved Living & Giving
    • Morgan Stanley Private Bank

    Tier 2: $2M - $10M

    More strategic planning, tax-advantaged strategies, and alternative investments.

    Enhanced Services:

    • Planning team led by Bruce Spencer, CFP®, RICP®, NSSA
    • Tax-Advantaged Strategies:
      -> Concentrated Stock solutions
      -> Real Estate Opportunity Zones
    • 4 Pillars of Alternative Investments:
      -> Private Equity
      -> Private Credit
      -> Private Real Estate
      -> Private Infrastructure
    • Introduction to Morgan Stanley's Concentrated Equity Team

    Tier 1: $10M+

    White-glove experience with our Family Office Resources

    Family Office Resources:

    • Pre-liquidity & Succession Planning
    • Legacy & Wealth Transfer
    • Family Governance & Wealth Education
    • Lifestyle Advisory:

    Exclusive Access:

    • Morgan Stanley Private Markets
    • Trust & Philanthropy Services

    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. The strategies and/or investments discussed in this material may not be appropriate for all investors. Morgan Stanley Wealth Management recommends that investors independently evaluate particular investments and strategies, and encourages investors to seek the advice of a Financial Advisor. The appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.

    The investments listed may not be appropriate for all investors. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, and encourages investors to seek the advice of a financial advisor. The appropriateness of a particular investment will depend upon an investor's individual circumstances and objectives.

    The Portfolio Analysis report ("Report") is generated by Morgan Stanley Smith Barney LLC's ("Morgan Stanley") Portfolio Risk Platform. The assumptions used in a Report incorporate portfolio risk and scenario analysis employed by BlackRock Solutions ("BRS"), a financial technology and risk analytics provider that is independent of Morgan Stanley. BRS' role is limited to providing risk analytics to Morgan Stanley, and BRS is not acting as a broker-dealer or investment adviser nor does it provide investment advice with respect to the Report. Morgan Stanley has validated and adopted the analytical conclusions of these risk models.

    Morgan Stanley Reserved Living & Giving is a complimentary program that rewards eligible clients of Morgan Stanley and E*TRADE. Morgan Stanley Smith Barney LLC ("Morgan Stanley") reserves the right in its discretion to change the terms and conditions of, or terminate, the Reserved Living & Giving ("Reserved") program and the Signature Access program at any time and without notice. Morgan Stanley periodically reviews Reserved and Signature Access program participants' accounts and activity and may in its discretion remove program participants from either program at any time and without notice.

    Morgan Stanley Private Bank, National Association, and Morgan Stanley Bank, N.A. are affiliates of Morgan Stanley Smith Barney LLC, and are each a Member FDIC that is primarily regulated by the Office of the Comptroller of the Currency.

    Alternative investments are often speculative and include a high degree of risk. Investors can lose all or a substantial amount of their investment. They may be highly illiquid, can engage in leverage, short-selling and other speculative practices that may increase volatility and the risk of loss, and may be subject to large investment minimums and initial lock-ups. They may involve complex tax structures, tax inefficient investing and delays in distributing important tax information. They may have higher fees and expenses that traditional investments, and such fees and expenses can lower the returns achieved by investors.

    Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third‐party corporate trustee.

    Why Morgan Stanley?
    • Global resources, boutique experience
    • Access to institutional strategies and specialists
    • Strategic partnerships
    • Cutting-edge planning tools + human insight
    • Artificial Intelligence integration
    • Backed by one of the world's most trusted financial institutions
    Let's talk!
    • Email: larry.cabrera@morganstanley.com
    • Schedule a consulation by clicking "Contact me" at the top of this page.
    • Follow Larry Cabrera on LinkedIn or Facebook

Frequently Asked Questions (FAQs)

How long have you been a financial advisor?

23 years, and I've guided clients through 4 major market downturns: 2001, 2008, 2020 and 2022.

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Why did you become a financial advisor?
My dad lost his life savings during the 1991 recession. That personal experience inspired me to help others preserve and grow their wealth so they don't suffer the same fate.

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What makes you different from other advisors?
What sets me apart isn't just a strategy...it's a story.

I'm not just an advisor...I'm someone who has stood up for what's right, even when it wasn't easy.

I became a financial advisor to make a difference after my dad lost his life savings.

For me, the client should always come first.

Years later, that belief was challenged.

I then fought a David vs Golaith case and won a FINRA award (now public record).

Winning a case like mine was not only rare...it was a defining moment!

Clients work with me because they value someone who leads with purpose, not pressure—and who believes that doing what's right is non-negotiable.

If you're looking for someone who's guided by purpose, not product...I may be the advisor you've been searching for.

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Are you accepting new clients?

Yes, I'm currently accepting new clients.

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Do you work with clients outside North Carolina?

Yes. I serve clients throughout the U.S. using secure digital tools and virtual meetings.

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Do you offer virtual or phone appointments?

Yes. You can schedule a Zoom or phone consultation at your convenience.

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Do you offer financial planning services?

Absolutely. We provide customized plans for:

  • Retirement
  • Tax efficiency
  • Estate strategies
  • Investment management
  • Insurance needs
  • Pre-liquidity events and business succession

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Is financial planning included if I invest with you?

If you invest $300,000 or more, your financial plan is included at no additional cost.

$2M+ clients also work with Bruce Spencer, CFP®, RICP®, NSSA—our Financial Planning Director.

$10M+ business owners gain access to Morgan Stanley's Pre-Liquidity and Succession Team.

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Do you use technology to simplify the planning process?

Yes. Morgan Stanley provides secure tools to save you time and enhance your experience.

Morgan Stanley Online: Link your accounts securely (investments, 401(k)s, checking, debts) for streamlined analysis.

Digital Vault: Upload tax returns, Social Security statements, etc.—all with Morgan Stanley's encryption.

Not all documents can be accepted into Digital Vault.
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Will I have access to exclusive alternative investments?

Yes, if you qualify. Accredited Investors ($1M+) and Qualified Purchasers ($5M+) may access curated private investments. Restrictions and suitability rules apply.

Alternative investments are often speculative and include a high degree of risk. Investors can lose all or a substantial amount of their investment. They may be highly illiquid, can engage in leverage, short-selling and other speculative practices that may increase volatility and the risk of loss, and may be subject to large investment minimums and initial lock-ups. They may involve complex tax structures, tax inefficient investing and delays in distributing important tax information. They may have higher fees and expenses that traditional investments, and such fees and expenses can lower the returns achieved by investors.
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What are your fees?

Fees vary based on your specific needs. I'll explain everything clearly and transparently before we move forward and sign anything.

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Do you have a minimum for asset management?

Yes, our typical minimum is $300,000, though exceptions may apply (e.g., family of existing clients).
If you don't meet the minimum or don't require asset management, you can still access planning-only services for a fee.

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I don't know much about investing. Will you explain things in simple terms?

Absolutely. One of my guiding principles is:

"If you can't explain it simply, you don't understand it well enough." – Albert Einstein

I'll break things down clearly so you can feel confident in your decisions—no jargon, no judgment.

I believe in education over confusion. It's your money, you deserve to understand it.

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Still have questions?

Let's have a conversation! Whether you're preparing for retirement, managing a business exit, or simply want to take control of your financial life—a short call can lead to lasting clarity.

Just click on the "Contact me" icon at the top of this screen to set up an appointment. Looking forward to talking to you soon and have a great day!

    Client & Prospect Resource Center

    Curated insights, exclusive events, and financial education—all in one place!

    We're building something special for you.

    Check back soon for access to 24/7 resources designed to help you stay informed, grow financially, and feel confident about your financial future.

    Whether you're a valued client or exploring working together, these tools are designed to support your journey.

    Please see below for what's coming soon...

      Exclusive Client Events

      Private, invite-only experiences for clients and guests of Larry Cabrera. Stay tuned for upcoming invitations and opportunities to connect and learn in a more personal setting.

      Video Insights from Larry Cabrera

      Short, easy-to-understand videos where Larry shares ideas, tips, and updates to keep you in the know.

      Financial Literacy Series

      Bite-sized lessons and resources to help you strengthen your financial foundation—great for all levels of financial experience.

      Thoughts on the Market Podcast

      Hear from Morgan Stanley's top strategists on key global trends, interest rates, equities, and more. Updated regularly.

      GIC Weekly Insights

      Lisa Shalett and the Global Investment Committee break down the week's financial headlines—so you don't have to.

      Why this matters?

      Clients: These resources reflect my ongoing commitment to transparency, education, and partnership.

      Prospects: If you're considering working together, this is just a sample of how I support the people I serve.

      Want to be notified when this is live?

      Let's connect! Contact Larry either by email at larry.cabrera@morganstanley.com or click on the "Contact me" button at the top of this screen.

      Thanks for your time and have a great day!

    Client Service Team

      Carousel Associate Image
      Leslie Ware - Client Service Associate
      Phone:
      (704) 571-3254(704) 571-3254
      Email:leslie.ware@morganstanley.com
      If there is anything you need, know that you are in good hands with Leslie, a 30 year veteran with 9 years at Morgan Stanley.

      Clients appreciate her years of experience and expertise to get the job done right.

      As a Client Service Associate for Morgan Stanley, Leslie provides operational and administrative support while providing exceptional service and assistance to you and your family as our valued clients.

      Originally from Columbus, OH, Leslie joined Morgan Stanley in 2015.

      Apart from serving as a member of a Women's Leadership Group, Leslie enjoys creating abstract art and decorating.

      Fun fact...Leslie loves spending quality time with family and friends, but her grandkids are the apple of her eye!

    Location

    6805 Carnegie Blvd
    Ste 400
    Charlotte, NC 28211
    US
    Direct:
    (704) 571-3266(704) 571-3266
    Toll-Free:
    (800) 766-3770(800) 766-3770
    Fax:
    (704) 571-3300(704) 571-3300

    Awards and Recognition

    Five Star Wealth Advisor

    Five Star Wealth Advisor Award

    This award was issued in 2016 - 2024. The award was determined based on an evaluation process conducted by Five Star Professional based on objective criteria from (2024: 10/10/23 - 4/30/24, 2023: 10/10/22 - 5/5/23; 2022: 10/11/21 - 4/22/22; 2021: 10/5/20 - 4/30/21; 2020: 10/28/19 - 5/8/20; 2019: 10/22/18 - 5/24/19; 2018: 11/22/17 - 5/25/18; 2017: 11/23/16 - 6/7/17; 2016: 1/21/16 - 6/15/16).

    Awards Disclosures

    NOTE: CLICK HERE TO FIND DATES FOR THE EVALUATION PERIODS FOR ALL FIVE-STAR AWARDS - LISTED BY MARKET.

    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
    Photo of Bruce Spencer

    Bruce Spencer, CFP®

    Financial Planning Director, Vice President
    Photo of Jamal Cox

    Jamal Cox

    Planning Associate
    Photo of Mark Jansen

    Mark Jansen

    Family Office Resources Generalist

    About Bruce Spencer

    Bruce Spencer is a vice president and financial planning director, serving Morgan Stanley’s Wealth Management offices in North & South Carolina’s market. He is responsible for helping financial advisors with their clients’ and prospects’ financial planning needs.

    Bruce began his career in financial services in 1998 and joined Morgan Stanley in 2024. Prior to his joining Morgan Stanley, Bruce worked at Truist Bank as a wealth planning strategist for ten years. He has also worked at TIAA and Vanguard in various financial planning roles.

    Bruce graduated from the University of North Carolina Charlotte and holds his CERTIFIED FINANCIAL PLANNER™ and Retirement Income Certified Professional designations along with his Series 7 license. Bruce lives in Concord, NC with his wife of 25-years and their daughter. Outside of work, Bruce likes to travel, work on home improvement projects, and participate in sports.

    About Jamal Cox

    Jamal Cox is a Planning Associate at Morgan Stanley providing dedicated financial planning support to Financial Advisors and their teams. Operating as an extension of the FA/Team, he collaborates with clients to discover and define goals that matter most to them. Leveraging state of the art technology, he will evaluate various options and their potential outcomes to help clients confidently choose the appropriate course of action. Jamal provides expertise across a wide suite of Morgan Stanley planning tools designed to assist in the areas of investment accumulation, retirement, education, major purchase, cash flow, risk management, tax efficiency, and wealth transfer planning.   

    He earned his undergraduate degree from Queens College and received the Financial Planning Specialist® designation from the College for Financial Planning. Jamal is originally from Queens, NY and currently resides in Queens, NY.

    About Mark Jansen

    Mark Jansen is a Family Office Resources Generalist for Morgan Stanley’s Family Office Resources, covering the Southeast Region. In this capacity, Mark provides specialized expertise to Financial Advisors and their UHNW clients across a broad range of family wealth management issues including; family governance and wealth education, strategic estate and financial planning, philanthropy management and lifestyle advisory. Mark has over 30 years of experience advising wealthy families, business owners, and their children.

    Most recently, Mark worked with New York Life in their Advanced Planning Group working with agents and their UHNW clients advising them on estate and legacy planning, business buy sell planning, and succession planning. Prior to New York Life, Mark held similar Advanced Planning Consulting roles in several National financial organizations. He originally started his career in the financial services industry in the tax department of the public accounting firm Grant Thornton. He is known for taking complex ideas and making them easy to understand. Frequently speaking to groups and individuals on estate and business planning, he brings a conversational style that helps to clarify the complex nature of these topics.

    Mark received a Bachelor of Science degree from St. John’s University in Collegeville MN, received his JD degree Cum Laude from the University of Minnesota and his CPA license while working at Grant Thornton. He holds a Series 7, 24 and 63 securities licenses. He currently lives in Richmond Virginia with his wife and occasionally one of their 6 children.
    Important information about your relationship with your Financial Advisor and Morgan Stanley Smith Barney LLC when using a Financial Planning tool. When your Financial Advisor prepares a Financial Plan, they will act in an investment advisory capacity for thirty (30) days after the delivery of your Financial Plan. To understand the differences between brokerage and advisory relationships, you should consult your Financial Advisor, or review our “Understanding Your Brokerage and Investment Advisory Relationships,” brochure available at https://www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.

    You have sole responsibility for making all investment decisions with respect to the implementation of a Financial Plan. You may implement the Financial Plan at Morgan Stanley or at another firm. If you engage or have engaged Morgan Stanley, it will act as your broker, unless you ask it, in writing, to act as your investment adviser on any particular account.

    Morgan 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.

    Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.

    Important information about your relationship with your Financial Advisor and Morgan Stanley Smith Barney LLC when using a Financial Planning tool. When your Financial Advisor prepares a Financial Plan, they will act in an investment advisory capacity for thirty (30) days after the delivery of your Financial Plan. To understand the differences between brokerage and advisory relationships, you should consult your Financial Advisor, or review our “Understanding Your Brokerage and Investment Advisory Relationships,” brochure available at https://www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.

    You have sole responsibility for making all investment decisions with respect to the implementation of a Financial Plan. You may implement the Financial Plan at Morgan Stanley or at another firm. If you engage or have engaged Morgan Stanley, it will act as your broker, unless you ask it, in writing, to act as your investment adviser on any particular account.

    Morgan 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.

    Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.

    When 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.

    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.

    Wealth Management
    Global Investment Office

    Portfolio Insights

    Read More about On the Markets
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    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
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    A Simple Six-Step Retirement Checkup
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    A Simple Six-Step Retirement Checkup

    Checking in on your retirement plan may make a lot of sense, especially when market volatility arises.

    Investing

    Working closely with you to guide your wealth and investments through the most challenging market cycles.
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    Rational Investing in an Age of Uncertainty
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    Rational Investing in an Age of Uncertainty

    When it comes to investing, even the most savvy of us fall prey to bias and emotional trades. So what triggers should you watch for?

    Family

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    • Estate Planning Strategies
    • 529 Plans / Education Savings Planning
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    529 Plans: A Powerful Tool to Save for Education
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    529 Plans: A Powerful Tool to Save for Education

    Though education costs continue to climb, starting to save and invest early can make a difference.

    Business Planning

    Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
    • Succession Planning
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    Financial Planning for Life After Selling a Business
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    Financial Planning for Life After Selling a Business

    Selling your business can mean big changes for your life, both personally and financially. Know how to make the most of your windfall.

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    Donor Advised Funds: A Smart Way to Manage Your Giving
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    Donor Advised Funds: A Smart Way to Manage Your Giving

    There's more to charitable giving than you may realize. Here's one method that may be a tax-efficient way to give and can help maximize your impact.
    Ready to start a conversation? Contact Larry Cabrera today.
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    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.
    Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.

    For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.

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    2Morgan 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.

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    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.

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    4Morgan 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.

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    5Morgan 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.

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    6Morgan 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.

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    7Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States. Morgan Stanley Wealth Management is a business of Morgan Stanley Smith Barney LLC.

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    8Morgan Stanley’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be appropriate for you. Please see the Morgan Stanley Smith Barney LLC program disclosure brochure (the “Morgan Stanley ADV”) for more information in the investment advisory programs available. The Morgan Stanley ADV is available at www.morganstanley.com/ADV.

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    9Alternative 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.

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    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 and other legal matters.

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    11When 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.

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    12Morgan 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.

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    13Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.

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    14Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.

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    15Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.

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    16Investors should consider many factors before deciding which 529 plan is appropriate. Some of these factors include: the Plan's investment options and the historical investment performance of these options, the Plan's flexibility and features, the reputation and expertise of the Plan's investment manager, Plan contribution limits and the federal and state tax benefits associated with an investment in the Plan. Some states, for example, offer favorable tax treatment and other benefits to their residents only if they invest in the state's own Qualified Tuition Program. Investors should determine their home state's tax treatment of 529 plans when considering whether to choose an in-state or out-of-state plan. Investors should consult with their tax or legal advisor before investing in any 529 Plan or contact their state tax division for more information. Morgan Stanley Smith Barney LLC does not provide tax and/or legal advice. Investors should review a Program Disclosure Statement, which contains more information on investment options, risk factors, fees and expenses and possible tax consequences.

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    17Investing in the market entails the risk of market volatility. The value of all types of investments may increase or decrease over varying time periods. The returns on a portfolio consisting primarily of sustainable or impact investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because sustainability and impact criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Diversification does not guarantee a profit or protect against loss in a declining financial market.

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