Michelle Peng, CFP, ChFC
Managing Director, Financial Advisor
Phone:
(408) 861-2177(408) 861-2177
Michelle Peng, CFP®, ChFC®
Managing Director, Wealth Management,
Financial Advisor,
International Client Advisor,
Portfolio Manager
Direct:
(408) 861-2177(408) 861-2177
My Mission Statement
Leveraging experience, communication, and trust to establish personalized strategies to preserve and grow your wealth
My Story and Services
My approach to wealth management is to go beyond the efficient management of your assets and help create a strategy to guide you towards a future worth striving for. Drawing on the immense resources and intellectual capital of Morgan Stanley, I can help provide novel solutions to age old dilemmas while employing a client service model that not only helps you stay up to date but remain involved in your success every step of the way.
From startup executives and engineers to attorneys and CPAs, I’ve developed a dynamic practice that includes a diverse book of clients around the world. Whether you’re planning for retirement or financing a major acquisition, I can help provide sage guidance to help you achieve your goals.
My clients are much more than a portfolio of assets – they are families with active lives, who seek an advisor who will provide them with carefully considered guidance on a full range of financial topics.
CRD 4332571
From startup executives and engineers to attorneys and CPAs, I’ve developed a dynamic practice that includes a diverse book of clients around the world. Whether you’re planning for retirement or financing a major acquisition, I can help provide sage guidance to help you achieve your goals.
My clients are much more than a portfolio of assets – they are families with active lives, who seek an advisor who will provide them with carefully considered guidance on a full range of financial topics.
CRD 4332571
Securities Agent: TX, PA, WA, VA, UT, TN, RI, PR, OR, OH, NY, NV, NJ, NC, MO, KY, KS, IN, IL, MA, ID, FL, CT, MN, CO, CA, AZ, AR, AK, MD, NH; General Securities Representative; Investment Advisor Representative
NMLS#: 2503216
NMLS#: 2503216
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
EXPERIENCE THAT’S GLOBAL IN REACH
While I assist clients across the continental United States, I am also fortunate enough to work with successful individuals in Mainland China, Taiwan, and Hong Kong who seek professional guidance to develop unique and effective solutions. My clients tend to face relatively complex financial challenges, driven both by shifting regulatory and market climates and by the nature of the significant wealth they have created. Serving as their dedicated advisor in the United States, my goal is to help my clients address their financial challenges, protect the wealth that they have created and transfer it efficiently to future generations.
RESOURCES TO HELP YOU PREPARE
Figuring out ways to minimize how much the IRS takes from your retirement money should be a central part of your planning. Below are several resources to help you get started. If you’d like to learn more, schedule a conversation today.
2023 Retirement Contribution Limits
Planning for retirement is vital, understanding the limits for your retirement contributions empowers you to best prepare for retirement.
View 2023's Contribution Limits
Required Minimum Distributions (RMDs)
Timing your retirement income? With recent regulatory changes about 2022 required minimum distributions (RMDs), it’s important to think about timing your withdrawals. Given tougher regulatory, tax, and market conditions, you may want to consider taking your RMD sooner than later. Here’s what you need to know.
Learn More About RMDs
SECURE 2.0 Act Updates
Over the next several years, SECURE 2.0 puts in place numerous provisions designed to enhance your ability to save for retirement through increased contribution opportunities, changes to rules affecting distributions from retirement accounts and benefits to establishing a retirement savings. Collectively, these changes may influence how you save and use your savings over time.
View the Updates
Tax-Efficient Giving
Many of us prefer to combine our support for the causes and people we care about with a desire to save on taxes. Fortunately, there are strategies that may help us accomplish both. Whether you want to donate to charity or invest in a loved-one’s future, consider these tax‐smart ways to help make your giving go further.
Learn More About GivingTHE MORGAN STANLEY ADVANTAGE
As a business owner, you've devoted your career to building ideas designed to challenge conventional wisdom and shape the world of tomorrow. When it comes to planning for the next step, I’m here to help. I’m committed to providing informed guidance about managing your businesses and your wealth more effectively in today’s global markets. Below are several resources to help you get started. To learn more, please reach out and schedule a conversation today.
Succession Planning
Ownership of a business can represent years, sometimes decades of hard work and commitment. Nevertheless, business owners are often unfamiliar with the complexities and preparation that go into a successful succession strategy. Whether you’re contemplating an IPO, merger with another company, private sale, or succession within the family I’m here to help you develop and execute a successful exit strategy.
Learn more
Business Financing & Planning
You have meaningful goals. I can help you reach them. For over 85 years Morgan Stanley has worked with individuals, families, businesses, and institutions to deliver services and solutions that help build, preserve, and manage wealth.
Learn more
Morgan Stanley at Work
Workplace financial solutions that help employees achieve their life goals. Our comprehensive offering spans Equity, Financial Wellness and Retirement solutions, plus Financial Empowerment, so your workforce can realize the full potential of their benefits.
Learn more
Equity Compensation 101
When you own company equity, you become a shareholder in your company. Equity programs vary widely, so it's important to understand the details and how it fits into your financial plan.
Learn moreCREATE A PLAN TO PROTECT YOUR WEALTH AND YOUR HEIRS
Discussing the end of life and what happens to your assets is never an easy conversation to have, especially with family. But this type of planning is essential if you hope to ease what can be a difficult process for the people you love and to ensure that your wishes are respected. Below are some resources to help you prepare:
Location
20400 Stevens Creek Blvd
Ste 350
Cupertino, CA 95014
US
Direct:
(408) 861-2177(408) 861-2177
Meet My Team
About Michelle Peng
With almost three decades of experience, Michelle takes a unique approach by utilizing a lifetime of acquired skills to help affluent families and high net worth clients save for the future and protect what’s most important to them. Michelle’s expertise and comprehensive understanding of the financial planning process allows her to adequately navigate the often-convoluted planning process that high net worth clients desire in order to be able to implement holistic, tailored solutions that meet and deliver on their strategic needs.
Shortly after obtaining her MBA, Michelle began her career as a Management Trainee with a leading international bank in Macau. Since then, Michelle has had the privilege to serve in various client facing and managerial roles within the industry to build and reinforce her knowledge from commercial credit and corporate finance to private client and banking center management. After discovering her aptitude for wealth management, particularly for high-net worth individuals and business owners, she joined Bank of America in 2001 and obtained both her Certified Financial Planner and Chartered Financial Consultant designation. Prior to joining Morgan Stanley, Michelle spent 14 years at Wells Fargo, recently as a Managing Director, after having been promoted several times since her initial move to the bank.
Outside of work, Michelle is a proud mother of two and enjoys staying active through yoga, dance, hiking, and traveling to new destinations.
Shortly after obtaining her MBA, Michelle began her career as a Management Trainee with a leading international bank in Macau. Since then, Michelle has had the privilege to serve in various client facing and managerial roles within the industry to build and reinforce her knowledge from commercial credit and corporate finance to private client and banking center management. After discovering her aptitude for wealth management, particularly for high-net worth individuals and business owners, she joined Bank of America in 2001 and obtained both her Certified Financial Planner and Chartered Financial Consultant designation. Prior to joining Morgan Stanley, Michelle spent 14 years at Wells Fargo, recently as a Managing Director, after having been promoted several times since her initial move to the bank.
Outside of work, Michelle is a proud mother of two and enjoys staying active through yoga, dance, hiking, and traveling to new destinations.
Securities Agent: TX, PA, WA, VA, UT, TN, RI, PR, OR, OH, NY, NV, NJ, NC, MO, KY, KS, IN, IL, MA, ID, FL, CT, MN, CO, CA, AZ, AR, AK, MD, NH; General Securities Representative; Investment Advisor Representative
Wealth Management
Global Investment Office
Portfolio Insights
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
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
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
Are You Prepared for Tax Day?
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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
Donor Advised Funds: A Smart Way to Manage Your Giving
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Ready to start a conversation? Contact Michelle Peng today.
Certified Financial Planner Board of Standards, Inc. (CFP Board) owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™, and CFP® (with plaque design) in the United States, which it authorizes use of by individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
2When 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.
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 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.
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.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame 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
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
2When 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.
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 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.
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.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame 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
CRC 6491812 (04/2024)
