Loren Schwartz, CFP®, CLU®, ChFC®, QPFC
My Mission Statement
My Story and Services
Loren earned a Bachelor of Arts degree from the University of Alabama and a Master of Business Administration from Georgia State University. She draws on this strong educational foundation—along with Morgan Stanley's investment insights, platforms, and tax efficiency strategies—to help clients navigate evolving markets with confidence.
Loren's mission is to fully understand what matters most to her clients. By listening thoughtfully and asking the right questions, she builds tailored solutions designed to manage risk and turn financial goals into reality.
Loren is a recognized community leader and a past Greater Waco Chamber of Commerce Chairperson and longtime Board Member. She also was formerly on the Board of the Greater Waco Sports Commission and the Capital Campaign Committee of Waco Family Medicine. She is married to her husband Martin and has two grown sons, Jake and Joe Schwartz.
Our Clients
I work with a broad range of clientele. However, many of my clients find themselves and their families across more than one of the below categories. By leveraging the power of a global firm to deliver these resources, I give our clients as much time as possible to focus on their lives where it matters most.
During your years of building and managing your business, you may not have focused on the significant personal wealth you were creating or the financial opportunities and risks that you might encounter after moving on to enjoy your success. We can guide you through a process designed to integrate your institutional and corporate objectives with your personal goals.
Generational wealth is passed down within a family, from one generation to the next. With successful and proper planning, the next generation of children can then pass down wealth to their own children, and so on.
As a professional, such as an Engineer or Pharmacist, you have devoted your career to building your enterprise. Now it is time to plan for what comes next: enjoying the substantial rewards, spending more time with your family and pursuing new challenges.
Divorce can bring significant life changes, including important financial decisions that may feel overwhelming at first. I work with recently divorced individuals to help them organize their financial picture, clarify priorities, and build a thoughtful plan for the next chapter with confidence and stability.
Our Planning Process
My process begins with you, your investment objectives and your financial goals. My approach is holistic and encompasses all the elements of your financial life. I will work closely with you to create a tailored strategy to get you there.
I take the time to fully evaluate and understand the financial goals of you and your family. Whatever the siutation, planning for retirement, looking for tax efficiencies, and defending your estate. I consider all of your needs, wants, and desires when building your financial plan. To do this, I need to understand what is most important to you.
Using my instituional risk management framework to assess current assets and risk exposures, I will begin to construct to financial plan that resembles the vision you shared with me in discovery. Then, with your approval, we begin to implement the plan.
To ensure a personalized experience, I customize a communication plan that takes into account your preferences. The truth is, life throws curveballs and so do the markets. That's why I continuously communicate and work closely with each client.
Lastly, we meet regularly to ensure your plan and goals remain current and look at the progress made towards achieving your goals.
Through the use of the LifeView Goal Analysis tool, I will work with you to create a personalized financial plan. Over time, we will adapt it to changing circumstances, helping you achieve your goals and protect what is meaningful to you.
Client Resources
Let us work together to find the best way to help you manage and grow your wealth. Our fully customizable financial plans will put you on the path to achieving your financial goals.
To create a fully comprehensive plan, we will look at your past, current, and future financial goals and obligations. With this information, we will work with you to see that you can enjoy retirement at the age and capacities that you wish.
Proper estate planning gives careful consideration to the estate owner's future plans, preferences and goals. Let us work together to ensure a smooth transition of wealth to your heirs.
Help provide financial protection for your loved ones by offering a death benefit that may replace income, cover living expenses, pay off debts, and support education or legacy goals if the unexpected occurs.
Prepare now so you do not have to worry later. Make sure you have the funds needed to pay for any medical and non-medical needs later on in life.
Make sure that you access to your cash anywhere, anytime. Learn more about Cash Plus and the exclusive benefits offered though Morgan Stanley.
Looking to take out a mortgage, Liquidity Access Line, or some other specific lending product? Explore the possibilities of lending with Morgan Stanley.
We will work with you to make sure you are paying the correct amount of taxes for your specific situation.
Digital Resources for Clients
Access your financial world at your convenience.
Your investments and everyday finances are always just a few clicks away with Morgan Stanley Online (MSO) and the Morgan Stanley mobile app! Access your finances and invest in an instant with the help of this handy resource that is available 24/7.
Complete your financial profile with Total Wealth View. By linking your external account information, you will benefit from more educated and holistic wealth planning, along with convenient connectivity.
Reserved Living & Giving is a tiered complimentary loyalty program that rewards clients with over one million dollars in assets and liabilities invested at the firm. The program is designed to enhance your lifestyle and relationship with the firm beyond traditional wealth management services.
The Global Investment Committee's Lisa Shalett headlines this weekly look at markets, asset class performance and fixed income.
Detailed Market commentary from Morgan Stanley's though leaders on topics such as global equities, fixed income, monetary policy and more.
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Investing
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Philanthropy
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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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan 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.
3Morgan 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.
4Morgan 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.
5When 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.
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 and other legal matters.
7Morgan 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.
8When 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 always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
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