Nicole Anzoategui
Financial Advisor, Managing Director
Phone:
(650) 496-4211(650) 496-4211
Nicole M. Anzoategui, CDFA®
Managing Director, Wealth Management,
Financial Advisor,
Certified Divorce Financial Analyst,
Financial Planning Specialist,
Family Wealth Director,
Workplace Advisor – Equity Compensation,
Senior Portfolio Management Director,
Lending Specialist
Direct:
(650) 496-4211(650) 496-4211
My Mission Statement
Empowering futures with goal-driven strategies. Our team helps executives, entrepreneurs, and families navigate the sophisticated financial decisions behind life’s most important milestones.
Our Story & Services
The story of your life is not a balance sheet; it is a tapestry rich with vibrant threads like family, work, and passions. Yet, when you’re leading enterprises or running a business, it can be difficult to find the time to craft a personal wealth strategy that weaves together all the facets of your life.
Enter The NMA Group at Morgan Stanley. We work with executives, entrepreneurs, and affluent families tailoring strategies that reflect your core values and highest aspirations. Our approach to wealth management is an artful endeavor, harnessing the potency of each dollar to script the narrative of your life vision.
SERVICE. UNWAVERING. UNPARALLELED.
We regard service as the bedrock of our relationship. Encompassing the breadth of your fiscal well-being, we strive to craft an impeccable experience at every juncture. Your financial complexities — be it concentrated stock positions, retirement tax intricacies, or the sophistications of a family office — are met with strategies as unique as your fingerprint.
EXCELLENCE. UNCOMPROMISED.
• Forbes Best-in-State Wealth Advisors 2023, 2024
• Forbes Best-in-State Top Women Wealth Advisors 2023, 2024
• Forbes America's Top Next-Gen Wealth Advisors Best-In-State 2023, 2024
• Forbes America’s Top Next Generation Wealth Advisors 2017, 2018, 2022, 2023, 2024
LONGEVITY. FOR LIFE'S MARATHON.
We recognize that wealth is not a sprint; it’s a multi-generational relay. That’s why the stewardship we provide is underpinned by experience, qualifications, and a youthful dynamism that will be by your side for every pivotal moment for you and your children. Because we’re not just preparing your wealth for the here and now, but nurturing it to thrive for generations.
To explore a partnership or to engage in a conversation about your investment landscape, we invite you to reach out. Our doors, and our lines, are always open to you. Call us at (650) 496-4211.
Enter The NMA Group at Morgan Stanley. We work with executives, entrepreneurs, and affluent families tailoring strategies that reflect your core values and highest aspirations. Our approach to wealth management is an artful endeavor, harnessing the potency of each dollar to script the narrative of your life vision.
SERVICE. UNWAVERING. UNPARALLELED.
We regard service as the bedrock of our relationship. Encompassing the breadth of your fiscal well-being, we strive to craft an impeccable experience at every juncture. Your financial complexities — be it concentrated stock positions, retirement tax intricacies, or the sophistications of a family office — are met with strategies as unique as your fingerprint.
EXCELLENCE. UNCOMPROMISED.
• Forbes Best-in-State Wealth Advisors 2023, 2024
• Forbes Best-in-State Top Women Wealth Advisors 2023, 2024
• Forbes America's Top Next-Gen Wealth Advisors Best-In-State 2023, 2024
• Forbes America’s Top Next Generation Wealth Advisors 2017, 2018, 2022, 2023, 2024
LONGEVITY. FOR LIFE'S MARATHON.
We recognize that wealth is not a sprint; it’s a multi-generational relay. That’s why the stewardship we provide is underpinned by experience, qualifications, and a youthful dynamism that will be by your side for every pivotal moment for you and your children. Because we’re not just preparing your wealth for the here and now, but nurturing it to thrive for generations.
To explore a partnership or to engage in a conversation about your investment landscape, we invite you to reach out. Our doors, and our lines, are always open to you. Call us at (650) 496-4211.
Securities Agent: MT, TN, WA, VA, NY, NV, NC, IN, PA, NH, NM, MI, HI, FL, AZ, ID, OH, MA, LA, CO, UT, IL, TX, OR, MD, GA, DC, NJ, CA; General Securities Representative; Investment Advisor Representative
NMLS#: 1288204
CA Insurance License #: 0H47977
NMLS#: 1288204
CA Insurance License #: 0H47977
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Comprehensive Financial Planning
At the heart of our approach lies financial planning — a meticulous examination of every aspect of your financial world. This robust, big-picture plan serves as the bedrock for your future, helping to provide clarity for every financial decision to come.
Our team is passionate in providing comprehensive solutions to those whom may be:
• Executives
• Entrepreneurs or Business owners
• Hold concentrated stock positions at public or private companies
• Experiencing a life changing event such as divorce, death of a loved one, inheritance
Our team is passionate in providing comprehensive solutions to those whom may be:
• Executives
• Entrepreneurs or Business owners
• Hold concentrated stock positions at public or private companies
• Experiencing a life changing event such as divorce, death of a loved one, inheritance
Risk Management
Life’s unpredictable. That’s the basic premise we operate under when managing your wealth. Complementing our own experience with Morgan Stanley’s intelligent risk management technology — we design resilient risk management strategies to help protect your wealth from market volatility, economic dips, and unexpected life events.
If you’re looking for advice about your compensation package, I can help you explore various strategies, such as the impact of your concentrated equity position on near-term financial decisions, how and when to make an 84(b) election to value your stock at the grant date, and when to take advantage of 10b5-1 safe harbor plans in order to liquidate or trade company shares. Most importantly, we’ll make sure your decisions fit within the context of personal goals and long term financial plans.
My clients rely on my knowledge and experience in this area. Getting it right can make a difference and have a lasting impact on your financial well-being.
If you’re looking for advice about your compensation package, I can help you explore various strategies, such as the impact of your concentrated equity position on near-term financial decisions, how and when to make an 84(b) election to value your stock at the grant date, and when to take advantage of 10b5-1 safe harbor plans in order to liquidate or trade company shares. Most importantly, we’ll make sure your decisions fit within the context of personal goals and long term financial plans.
My clients rely on my knowledge and experience in this area. Getting it right can make a difference and have a lasting impact on your financial well-being.
Tax Strategy
Focusing on taxes isn't just important; it's essential. In coordination with your CPAs, we develop proactive strategies that help minimize tax liabilities and maximize after-tax returns. From capital gains to estate taxes, we leave no stone unturned in our mission to help every dollar work harder for you.
Access to Financing and Liquidity Strategies
Whether you're pursuing strategic acquisitions, funding a passion project, or simply seeking liquidity for personal reasons, we tap Morgan Stanley’s vast network to help you access financing and liquidity solutions on favorable terms. It’s all part of our goal to help you unlock the full potential of your assets and maximize opportunities.
Portfolio Management
We manage the majority of our portfolios internally; there’s a reason. It not only allows us to maintain a deep understanding of what your money is doing and why, it also helps us fine-tune portfolios to match your unique needs. Our approach? Strategic, methodical, and grounded in sophisticated data analytics to help you manage risk.
Alternative Investments
When it comes to ultra-high net worth, diversifying portfolios beyond traditional asset classes can be essential. Morgan Stanley’s powerful alternative investment platform offers you access to exclusive opportunities in private equity, hedge funds, real estate, and other unique market opportunities that traditional investments may overlook.
Concierge Services
Morgan Stanley Signature Access offers select clientele a broad range of exclusive services, from private aviation, security, and household staffing, to art advisory and private health advisory services.
Legacy Planning
Whether through trusts, gifting strategies, or charitable planning, we collaborate with your legal advisors to help you determine the right way to build and secure your legacy for generations to come.
Charitable Giving
From donor-advised funds to charitable trusts, we devise innovative tax-efficient solutions that align with the values and goals of your philanthropic mission.
Monetization Planning
Transitioning from business ownership to retirement requires careful planning and execution. Our monetization planning services offer a holistic approach to exit strategy development, integrating financial and regulatory considerations to help maximize value and minimize risk.
In The Press
Over the years, The NMA Group at Morgan Stanley has built a reputation for excellence across the many facets of wealth management. As Managing Partner, Nicole Anzoategui has earned prestigious accolades including top awards, elite firm designations, and leading industry certifications. But at the end of the day, each accolade stems from a single commitment: to uphold the highest standards in the management of her clients’ financial well-being.
Named to Forbes Best-in-State Top Women Wealth Advisors in 2025
Disclosure:
Source: Forbes.com (Awarded Feb 2025) Data compiled by SHOOK Research LLC based on time period from 9/30/23 - 9/30/24.
Source: Forbes.com (Awarded Feb 2025) Data compiled by SHOOK Research LLC based on time period from 9/30/23 - 9/30/24.
Named to Forbes Top Next-Gen Wealth Advisors Best-In-State in 2024
Disclosure:
Source: Forbes (Awarded Aug 2024)
Data provided by SHOOK® Research, LLC. Data as of 3/31/24.
Source: Forbes (Awarded Aug 2024)
Data provided by SHOOK® Research, LLC. Data as of 3/31/24.
Named to Forbes America's Top Next-Gen Wealth Advisors in 2024
Disclosure:
Source: Forbes (Awarded Aug 2024)
Data provided by SHOOK® Research, LLC. Data as of 3/31/24.
Source: Forbes (Awarded Aug 2024)
Data provided by SHOOK® Research, LLC. Data as of 3/31/24.
Named to Forbes Top Wealth Advisors and Best-In-State Wealth Advisors in 2024
Disclosure:
Source: Forbes (Awarded April 2024)
Data compiled by SHOOK Research LLC based on time period from
6/30/22-6/30/23.
Source: Forbes (Awarded April 2024)
Data compiled by SHOOK Research LLC based on time period from
6/30/22-6/30/23.
Named to Forbes Best-in-State Top Women Wealth Advisors in 2024
Disclosure:
Forbes Top Women Wealth Advisors and Top Women Best-In-State Wealth
Source: Forbes.com (Awarded Feb 2024)
Data compiled by SHOOK Research LLC for the period 9/30/22-9/30/23
Forbes Top Women Wealth Advisors and Top Women Best-In-State Wealth
Source: Forbes.com (Awarded Feb 2024)
Data compiled by SHOOK Research LLC for the period 9/30/22-9/30/23
Named to Forbes Top Next-Gen Wealth Advisors Best-in-State in 2023
Disclosure:
Forbes.com. Forbes America's Top Next-Gen Wealth Advisors and Top Next-Gen Wealth Advisors Best-In-State ranking awarded in 2023 and published in Aug 2023. Data compiled by SHOOK Research LLC (the research company) in partnership with Forbes (the publisher) from 3/31/22 - 3/31/23.
Forbes.com. Forbes America's Top Next-Gen Wealth Advisors and Top Next-Gen Wealth Advisors Best-In-State ranking awarded in 2023 and published in Aug 2023. Data compiled by SHOOK Research LLC (the research company) in partnership with Forbes (the publisher) from 3/31/22 - 3/31/23.
Named to Forbes Magazine’s List of Best-in-State Wealth Advisors in 2023
Disclosure:
Forbes America’s Top Wealth Advisors and Best-In- State Wealth Advisors rankings awarded in 2023. This ranking was determined based on an evaluation process conducted by SHOOK Research LLC (the research company) in partnership with Forbes (the publisher) during the period from 6/30/21 - 6/30/22.
Forbes America’s Top Wealth Advisors and Best-In- State Wealth Advisors rankings awarded in 2023. This ranking was determined based on an evaluation process conducted by SHOOK Research LLC (the research company) in partnership with Forbes (the publisher) during the period from 6/30/21 - 6/30/22.
Named to Forbes Magazine’s Top Women Wealth Advisors Best-In-State List in 2023
Disclosure:
Forbes.com (February 2023) Forbes America's Top Women Wealth Advisors & Forbes Top Women Wealth Advisors Best-In- State rankings awarded in 2023. This ranking was determined based on an evaluation process conducted by SHOOK Research LLC (the research company) in partnership with Forbes (the publisher) during the period from 9/30/21 - 9/30/22.
Forbes.com (February 2023) Forbes America's Top Women Wealth Advisors & Forbes Top Women Wealth Advisors Best-In- State rankings awarded in 2023. This ranking was determined based on an evaluation process conducted by SHOOK Research LLC (the research company) in partnership with Forbes (the publisher) during the period from 9/30/21 - 9/30/22.
Receives Family Wealth Director Designation
Disclosure:
Morgan Stanley Smith Barney LLC. does not provide tax or legal advice. Individuals should consult their personal tax advisor for matters involving taxation and tax planning and their attorney for matters involving trusts and estate planning, charitable giving, philanthropic planning and other legal matters.
Morgan Stanley Smith Barney LLC. does not provide tax or legal advice. Individuals should consult their personal tax advisor for matters involving taxation and tax planning and their attorney for matters involving trusts and estate planning, charitable giving, philanthropic planning and other legal matters.
Named to Forbes Magazine's List of America's Top Next Generation Wealth Advisors in 2022
Disclosure:
Forbes America’s Top Next-Gen Wealth Advisors & Top Next-Gen Wealth Advisors Best-in-State
Source: Forbes.com (Awarded Aug 2022) Data compiled by SHOOK Research LLC based on time period from 3/31/21 - 3/31/22.
Forbes America’s Top Next-Gen Wealth Advisors & Top Next-Gen Wealth Advisors Best-in-State
Source: Forbes.com (Awarded Aug 2022) Data compiled by SHOOK Research LLC based on time period from 3/31/21 - 3/31/22.
Named to Forbes Magazine's List of America's Top Next Generation Wealth Advisors in 2018
Disclosure:
Forbes Top 1,000 Next Gen Wealth Advisors
Source: Forbes.com (Awarded Jul 2018) Data compiled by SHOOK Research LLC based on time period from 3/31/17 - 3/31/18.
Forbes Top 1,000 Next Gen Wealth Advisors
Source: Forbes.com (Awarded Jul 2018) Data compiled by SHOOK Research LLC based on time period from 3/31/17 - 3/31/18.
Named to Forbes Magazine's List of America's Top Next Generation Wealth Advisors in 2017
Disclosure:
Forbes Top 500 Next Generation Wealth Advisors
Source: Forbes.com (Awarded Jul 2017) Data compiled by SHOOK Research LLC based on time period from 3/31/16 - 3/31/17.
Forbes Top 500 Next Generation Wealth Advisors
Source: Forbes.com (Awarded Jul 2017) Data compiled by SHOOK Research LLC based on time period from 3/31/16 - 3/31/17.
Receives Certified Divorce Financial Analyst Designation in December 2015
Disclosure:
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.
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.
Multigenerational Wealth
Building A Legacy
Securing wealth across generations is no easy feat. In fact, according to a recent 20-year study, 70% of affluent families lose their wealth by the second generation. To us, that signifies a major challenge: how to ensure financial literacy and values that can pass down to the next generation? One of the most fundamental ways we address that is simply by providing rare continuity and elite qualifications. We have the youthful longevity to see your entire journey through. And when you hire us, your family gains access to the experience and insight of a Family Wealth Director — a leading designation from Morgan Stanley awarded to less than 6% of advisors nation-wide.
Resilience in Difficult Moments
Life isn't always smooth sailing, but you don't have to weather the storms alone. As your trusted advisor, we're here to support you and your family through life's toughest challenges. A health emergency. A divorce. A family loss. In moments when the last thing you want to think about is money, we provide the guidance and empathy you need to move forward with strength.
Education For Every Generation
Knowledge is the cornerstone of financial empowerment, and I'm dedicated to ensuring that every member of your family has the tools they need to succeed. That's why we established "NMA University," a dedicated financial education program designed for our clients and their families alike. We recognize that for many people, it’s hard to talk about money. That’s why our program aims to bridge this gap by providing valuable insights and guidance on various financial topics, from understanding investment strategies to strategizing life after college graduation.
The Dillemma
As an executive or entrepreneur, you’ve worked tirelessly not just to achieve success, but to sustain it. Along the way, many have accumulated substantial wealth — much of it tied up in concentrated stock positions, performance-based RSUs, and other intricate forms of equity compensation. These investment vehicles often require a significant amount of time and energy to sort through. Unfortunately, many simply don’t have time to spare given the day-to-day demands of your career. And if you do find precious free time, you want to prioritize family. And so that equity just sits there. Even though in the back of your mind, you know there are likely opportunities to make it do more for your future.
HOW WE HELP. AT EVERY STAGE.
At the NMA Group at Morgan Stanley, we help empower executives and entrepreneurs with the seasoned guidance and tax-aware strategies they need to intelligently manage their concentrated stock positions at every stage.
Pre-Sale Planning: Understanding Your Equity Awards
We begin by walking you through the ins and outs of your equity compensation package, whether it's stock options, RSUs, performance shares, or ESPPs. Together, we'll delve into the challenges, risks, and opportunities associated with each type of award. At this stage, the goal is to develop a personalized investment strategy aligned with your financial objectives and tax situation.
Sale Execution: Planning for Taxes
As equity events approach, we shift our focus to tax planning and optimization. Working side-by-side with dedicated tax and legal professionals, our team analyzes the tax implications and regulatory requirements of each transaction. Our experience allows us to help our clients devise sophisticated strategies that incorporate advanced methods such as exchange funds, Charitable Remainder Trusts, and other innovative techniques. Ultimately, our goal is not just to help maximize after-tax proceeds, but also to help implement strategic long-term solutions.
Post-Sale Integration: Risk Management and Financial Planning
Following the sale of your equity awards, our attention turns to managing risk and integrating your assets into your broader financial plan. We assess the concentration risk inherent in your company stock holdings, retool your approach when appropriate, and devise risk management strategies that help safeguard your financial future.
Location
1400 Page Mill Road
Palo Alto, CA 94304
US
Direct:
(650) 496-4211(650) 496-4211
Fax:
(650) 206-5289(650) 206-5289
Meet My Team
Simon Bonilla, CFP®
Assistant Vice President
Phone:
(650) 856-4579(650) 856-4579
Barbara Lam
Client Services Associate
Phone:
(650) 496-4291(650) 496-4291
Genna Venturoni
Client Services Associate
Phone:
(650) 496-4233(650) 496-4233
Michael Aoun
Registered Client Services Associate
Phone:
(650) 856-4523(650) 856-4523
About Nicole Anzoategui
Nicole Anzoategui is an Managing Director, Financial Advisor, Family Wealth Director, Financial Planning Specialist, Senior Portfolio Management Director, Workplace Advisor – Equity Compensation, and Lending Specialist with the NMA Group at Morgan Stanley in Palo Alto, CA. Combining deep experience with youthful tenacity, she serves as a beacon of financial guidance for busy executives, entrepreneurs, and ultra-high net worth families — charting the course to their long-term futures, so they can focus on the demands and opportunities of today.
Nicole provides comprehensive wealth management guidance to help meet the unique and sophisticated needs of her clients. Along with crafting bespoke discretionary investment portfolios, she also helps clients navigate the complexities of executive and deferred compensation, stock options, and restricted stocks. Nicole actively works with her clients’ attorneys and CPAs to craft comprehensive estate and business transition strategies that address pivotal events like marriages, births, deaths, and divorce. As a Certified Divorce Financial Analyst®, she also serves as an advocate, defending her clients’ best financial interests during and after a divorce with a clear-headed focus on their short- and long-term finances.
Nicole provides comprehensive wealth management guidance to help meet the unique and sophisticated needs of her clients. Along with crafting bespoke discretionary investment portfolios, she also helps clients navigate the complexities of executive and deferred compensation, stock options, and restricted stocks. Nicole actively works with her clients’ attorneys and CPAs to craft comprehensive estate and business transition strategies that address pivotal events like marriages, births, deaths, and divorce. As a Certified Divorce Financial Analyst®, she also serves as an advocate, defending her clients’ best financial interests during and after a divorce with a clear-headed focus on their short- and long-term finances.
CA Insurance License #: 0H47977
About Simon Bonilla
Simon Joined Morgan Stanley in 2020 and is a Wealth Management Associate on the NMA Group. Prior to joining Morgan Stanley, he spent over a decade in Retail Banking as a Vice President - Private Banker and a Branch Manager. He specialized in managing, deepening, and building comprehensive financial relationships with high net-worth clients. More specifically, assisting clients with their banking, consumer & business lending, investments, insurance, and estate planning needs.
He has a B.A. in American Literature from the University of California, Los Angeles. He has completed a Personal Financial Planning certificate program at the University of California, Berkeley and is a CERTIFIED FINANCIAL PLANNER™.
Originally from San Diego, him and his wife settled in San Jose in 2015 and have two wonderful daughters. He enjoys the outdoors, traveling, watching sports, and spending time with his family.
He has a B.A. in American Literature from the University of California, Los Angeles. He has completed a Personal Financial Planning certificate program at the University of California, Berkeley and is a CERTIFIED FINANCIAL PLANNER™.
Originally from San Diego, him and his wife settled in San Jose in 2015 and have two wonderful daughters. He enjoys the outdoors, traveling, watching sports, and spending time with his family.
CA Insurance License #: 0D71683
About Barbara Lam
Barbara is a Client Service Associate who joined The NMA Group at Morgan Stanley in 2022. Prior to Morgan Stanley, her background and experience cut across a wide range of industries, including financial services. Her focus first and foremost is to support the team through process optimizations, improved communications, and day to day service related matters.
She has a B.S. in Accounting from Purdue University. She is a Silicon Valley native and enjoys fitness, baking, and traveling.
She has a B.S. in Accounting from Purdue University. She is a Silicon Valley native and enjoys fitness, baking, and traveling.
About Genna Venturoni
Genna is a Client Service Associate who joined The NMA Group at Morgan Stanley in 2023. Prior to joining The NMA Group, Genna worked in Morgan Stanley Wealth Management for a year.
She concentrates on providing personalized, convenient, and efficient client support and serves as a point of contact for all client administrative and day-to-day service-related matters.
Genna graduated from Menlo College with a bachelor’s degree in Marketing. After receiving her bachelor’s, she studied at Notre Dame de Namur University where she received her MBA in Finance.
Genna is a Bay Area native and on her free time she enjoys going to concerts, trying new restaurants, and watching football.
She concentrates on providing personalized, convenient, and efficient client support and serves as a point of contact for all client administrative and day-to-day service-related matters.
Genna graduated from Menlo College with a bachelor’s degree in Marketing. After receiving her bachelor’s, she studied at Notre Dame de Namur University where she received her MBA in Finance.
Genna is a Bay Area native and on her free time she enjoys going to concerts, trying new restaurants, and watching football.
About Michael Aoun
Michael has a B.A. in Business Economics from the University of California, Irvine graduating in 2020. Originating from Southern California Inland Empire, he moved to the Bay Area in 2023 and joined Morgan Stanley. He enjoys outdoor activities, fitness, and sports in addition to spending quality time with friends and family.
His role as a Registered Client Service Associate on the NMA Group consists of collaborating closely with team members to support wealth management strategies, maintain compliance standards, and provide timely solutions to client inquiries while providing a high level of service to align with our team’s mission.
His role as a Registered Client Service Associate on the NMA Group consists of collaborating closely with team members to support wealth management strategies, maintain compliance standards, and provide timely solutions to client inquiries while providing a high level of service to align with our team’s mission.
Wealth Management
From My Desk
6 Financially Smart Ways to Start 2025
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
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
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
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
Article Image
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
Article Image
Financial Wellness
Enhancing Financial Wellness enables your workforce to do their best work. Companies that invest in financial wellness have an opportunity to:
- Reduce employee stress,
- Improve retention and engagement, and
- Set themselves apart by offering comprehensive financial wellness benefits.
Ready to start a conversation? Contact Nicole M. Anzoategui today.
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 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.
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.
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.
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 always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
6Morgan 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
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:
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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
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 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.
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.
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.
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 always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
6Morgan 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
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)
