Fore!!!

A balanced act in uncertainty, Michael strives to manage the difficult areas of your financial life. From career, real estate, rising health care costs and education costs, kid’s wedding planning, aging parents with longer life expectancy, to protecting your wealth. Mike helps you plan for all areas in one financial picture.

After defining your goals Mike can deploy a vast array of resources using the most appropriate financial tools for what you want to achieve. Working together can help you to preserve and grow your wealth. You will have access to some of the world’s most seasoned and respected investment professionals, a premier trading and execution platform and a full spectrum of investment choices.

It is more important than ever that we make financially solid decisions and Mike helps create comprehensive financial plans to navigate uncertain terrains and visualizing on end goals.
Services Include
  • Wealth Consulting
  • Wealth Management1
  • 401(k) Rollovers
  • 529 Plans2
  • Asset Management3
  • Cash Management4
  • Certificates of Deposit5
  • Corporate Bonds6
  • Estate Planning Strategies7
  • Exchange Traded Funds8
  • Financial Planning9
  • Fixed Income10
  • Lending Products
  • Life Insurance11
  • Long Term Care Insurance12
  • Municipal Bonds13
  • Retirement Planning14
  • Trust Accounts15
  • Stock Options Plans
Securities Agent: CA, WY, WV, WI, WA, VT, VA, UT, TX, TN, SD, SC, RI, PA, OR, OK, OH, NY, NV, NM, NJ, NH, NE, ND, NC, MT, MS, MO, MN, MI, ME, MD, MA, LA, KY, KS, IN, IL, ID, IA, HI, GA, FL, DE, DC, CT, CO, AZ, AR, AL, AK; General Securities Representative; Investment Advisor Representative
NMLS#: 909754
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Michael graduated with a B.S. in applied economics from University of San Francisco and has been in the financial industry since 1998. Prior to joining Morgan Stanley, Michael was with Merrill Lynch and served 5 years in the insurance industry (Prudential, MassMutual, and MetLife) as a sales manager.

    My Family

    Mike now lives in San Jose, California where he enjoys an active lifestyle and playing golf in men’s tournament. He was born in Seoul, Korea and immigrated to Sunnyvale, California in 1980. He enjoys traveling with his lovely wife, Kate. Their favorite vacation spots include Cancun, the Grand Canyon, New York City and other parts of world. He encourages his clients to living life to the fullest as our life is passing by so quickly. “Let’s staying active and exploring the world and make memories today.”

    Mike enjoys renovating his home, playing with his kids Ashley and Ashton, and his lovely dog, “Mr. Winter."

      4 Step Process

      ESTABLISH FINANCIAL OBJECTIVES




      Work with you to establish a realistic set of objectives based on:



      Your financial goals

      Time horizon

      Liquidity needs

      Tolerance to volatility and risk







      DEFINE INVESTMENT
      STRATEGY




      Develop an investment strategy designed to help produce optimal portfolio performance

      Seek to generate the highest return potential consistent with the strategy’s level of risk





      EVALUATE AND SELECT
      INVESTMENTS




      Leverage the global resources of Morgan Stanley to select investments to implement your personal strategy





      ONGOING REVIEW
      PROCESS




      Monitor your portfolio to track its performance relative to your stated objectives

      Modify the portfolio on a discretionary basis as your needs and circumstances change over time

        Working With You

        Financial Planning with Michael


        I work with you to identify and prioritize your financial goals. Together we develop a wealth strategy tailored to help you meet those targets. 

        LifeView® is a framework that takes into account your life goals together with your financial resources, and provides a gauge for future discussions. 

        LifeView® helps us:







        Analyze your current investments, and financial situation

        Review and prioritize your goals with you, such as Retirement

        Education funding

        Major purchases and philanthropic goals

        Protect your goals

        Develop wealth transfer strategies













        Sample "What If" Worksheet



        Work with Michael to create a worksheet that allows you to analyze and compare the results of one or more scenarios that you created together by varying your goals and the plan assumptions.




         









        Likelihood of Funding All Goals [SAMPLE]









        Current Scenario





        Recommended Scenario







        Probability of Success

        Probability of Success

          Location

          20400 Stevens Creek Blvd
          Ste 350
          Cupertino, CA 95014
          US
          Direct:
          (408) 861-2085(408) 861-2085
          From My Desk

          The Surprising Connection between Golf and Investing


          Investment and Market Perspectives

          On the Markets

          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
          The Simple Six-Step Retirement Checkup

          The Simple Six-Step Retirement Checkup

          Given market volatility in 2018, checking in on your retirement plan may be one of the wisest New Year’s resolutions you can make.

          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
          Investing in Artificial Intelligence and Automation

          Investing in Artificial Intelligence and Automation

          AI is an exciting growth area, but the investing opportunities are not always obvious. Here’s how to integrate this theme into your portfolio.

          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
          A Parent's Guide to Talking to Your Kids About Money

          A Parent's Guide to Talking to Your Kids About Money

          Raising kids to be smart about money requires creating an environment where they are neither insecure, nor overconfident about family finances.

          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
          Choosing an Environmental Charity

          Choosing an Environmental Charity

          There are a multitude of non-profits dedicated to helping protect the environment. Here’s how to choose where you want to give.

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          Ready to start a conversation? Contact Mike Chung today.
          Market Information Delayed 20 Minutes
          1Morgan 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.

          2Investors 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.

          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 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

          5CDs are insured by the FDIC, an independent agency of the U.S. Government, up to a maximum of $250,000 (including principal and accrued interest) for all deposits held in the same insurable capacity (e.g. individual account, joint account, IRA etc.) per CD depository. Investors are responsible for monitoring the total amount held with each CD depository. All deposits at a single depository held in the same insurable capacity will be aggregated for the purposes of the applicable FDIC insurance limit, including deposits (such as bank accounts) maintained directly with the depository and CDs of the depository.

          6Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.

          7Morgan 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.

          8An investment in an exchange-traded fund involves risks similar to those of investing in a broadly based portfolio of equity securities traded on exchange in the relevant securities market, such as market fluctuations caused by such factors as economic and political developments, changes in interest rates and perceived trends in stock prices. The investment return and principal value of ETF investments will fluctuate, so that an investor's ETF shares, if or when sold, may be worth more or less than the original cost.

          9Morgan 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.

          10Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.

          11Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.

          12Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.

          13Income generated from an investment in a municipal bond is generally exempt from federal income taxes. Some income may be subject to state and local taxes and to the federal alternative minimum tax. Capital gains, if any, are subject to tax.

          14Morgan 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.

          15Morgan 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.

          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.

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          The securities/instruments, services, investments and investment strategies discussed in this material may not be suitable 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”) 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.

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          *References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.


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