Larry Garcia, CFP®, CIMA®, CEPA®
My Mission Statement
My Story and Services
Larry Garcia is a Private Wealth Advisor, Family Wealth Director, and Founders Specialist with The Pacific Wealth Management Group at Morgan Stanley, Private Wealth Management. He works with ultra-high net worth families, founders and owners of privately held businesses, and executives who are navigating complex financial decisions. This includes business succession and liquidity planning, concentrated wealth solutions, multigenerational wealth transfer, estate planning strategies, and philanthropy.
Larry often works with business owners well in advance of a potential transaction, helping them understand how the value of their business fits within their broader personal balance sheet. He assists clients in clarifying family, legacy, and wealth planning objectives while preparing for the financial considerations that may arise before, during, and after a sale or other business transition. Throughout the process, Larry collaborates closely with clients' attorneys, accountants, investment bankers, and other professional advisors to help promote alignment across the advisory team and ensure key planning considerations are addressed at the appropriate time.
As a leader of PWMG's planning efforts, Larry draws on more than 25 years of industry experience to help families bring structure to interconnected decisions involving investments, concentrated wealth, cash flow, business interests, estate planning strategies, and charitable giving. His approach is grounded in understanding what clients want their wealth to support - not only in the next transaction or market cycle, but across generations. Larry and his team work with clients to develop a holistic view of their financial lives and establish a planning framework that can evolve as circumstances, opportunities, and family priorities change.
Larry graduated from Santa Clara University with a degree in Economics and studied at the University of London. He began his wealth management career at Piper Jaffray in 1998 and was one of the founding partners of The Pacific Wealth Management Group established in 2004 at UBS before moving to Morgan Stanley in 2008. Larry holds the Certified Financial Planner, Chartered Life Underwriter, Chartered Financial Consultant, Certified Investment Management Analyst, and Certified Exit Planning Advisor designations. He has also earned Morgan Stanley's Family Wealth Director, Senior Investment Management Analyst, and Founders Specialist designations.
Originally from San Diego, Larry lives in Kirkland with his wife, Kelley. They have two daughters, Ryan and Logan, and two rescue dogs, Kevin and Watson. A lifelong volleyball player and coach, Larry has spent many years teaching and mentoring young athletes. Outside of work, he enjoys music, traveling, surfing, golf, and time with his family.
- Multi-Generational Wealth Transfer & Family Stewardship
- Planned Giving & Philanthropy
- Tax Efficiency & Management
- Cash Flow & Liquidity Planning
- Liability Management & Lending
- Family Wealth Director
NMLS#: 1275637
CA Insurance License #: 0C06292
About PWM
- Manage investments with an unwavering focus on your financial strategy and personal goals
- Create comprehensive, multigenerational wealth management plans based on your needs, challenges and the values that guide your life and legacy
- Simplify financial complexity to help you achieve clarity and control
- Approximately 300 teams specialized in assisting individuals and families with $20MM+ in investable assets
- Over $1.2 trillion in AUM
- Comprising 26% of the Barron’s Top 100 Financial Advisors list for 2025
- Direct access to ultra high net worth experts in philanthropy, family dynamics, wealth transfer, lifestyle advisory and other areas of interest to ultra high net worth families
Approach
Client Service Team
Location
Portfolio Insights
Managing Significant Wealth
- Investment Management
- Wealth Transfer & Philanthropy
- Cash Management & Lending
- Family Governance & Wealth Education
- Lifestyle Advisory
- Business Services
Insights and Outcomes
Private Wealth Management Podcast
- Intergenerational Planning
- Philanthropic Giving
- Non-Traditional Assets
- Managing Family Wealth
Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.
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.
Asset Allocation does not assure a profit or protect against loss in declining financial markets.
The securities/instruments, investments and investment strategies discussed on this website may not be suitable for all investors. The appropriateness of a particular investment or investment strategy will depend on an investor's individual circumstances and objectives. The views and opinions expressed on this website may not necessarily reflect those of Morgan Stanley Smith Barney LLC (“Morgan Stanley”). This website and its associated content are intended for U.S. residents only.
Morgan Stanley and its Private Wealth Advisors do not provide tax or legal advice. Visitors to this website 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.
Morgan Stanley Private Wealth Advisers may only transact business in states where they are registered or excluded or exempted from registration. Transacting business, follow-up and individualized responses involving either effecting or attempting to effect transactions in securities, or the rendering of personalized investment advice for compensation, will not be made to persons in states where Morgan Stanley Private Wealth Advisers are not registered or excluded or exempt from registration.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
See the Financial Advisors Biographies for Registration and Licensing information.
Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.
Investment Management Consultants Association, Inc. owns the marks CIMA®, Certified Investment Management Analyst® (with graph element)®, and Certified Investment Management Analyst® .
Morgan Stanley Smith Barney LLC offers insurance products in conjunction with its licensed insurance agency affiliates.
Life insurance, disability income insurance, and long-term care insurance are offered through Morgan Stanley Smith Barney LLC's licensed insurance agency affiliates.
Lifestyle Advisory Services: Products and services are provided by third party service providers, not Morgan Stanley Smith Barney LLC (“Morgan Stanley”). Morgan Stanley may not receive a referral fee or have any input concerning such products or services. There may be additional service providers for comparative purposes. Please perform a thorough due diligence and make your own independent decision.
Private Bankers are employees of Morgan Stanley Private Bank, National Association.
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
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