Pacific Paragon Group at Morgan Stanley

Pacific Paragon Group at Morgan Stanley, formerly The Terhune Group, has been helping individual investors make wise practical financial decisions since 1986.Pacific Paragon Group’s goal is to thoroughly understand our clients’ financial needs and to align resources to help clients meet or exceed those needs. For us, financial planning means not only providing clients with investment advice, but also assisting them maintain the financial independence they’ve worked their whole lives to achieve.Pacific Paragon Group is comprised of a unique team of financial advisors with diverse backgrounds and experience in order to offer you, our client, a well-rounded and holistic wealth management experience.We help clients evaluate and address near-term concerns and plan for long-term goals. Working with a wide variety of investment companies, our team aims to develop and execute financial and investment strategies that are individualized and comprehensive. We often consult with clients’ income tax professionals and estate planning Attorneys.
Services Include
  • Trust Accounts1
  • Estate Planning Strategies2
  • Exchange Traded Funds3
  • Financial Planning4
  • Lending Products
  • Municipal Bonds5
  • Professional Portfolio Management6
  • Retirement Planning7
  • Wealth Consulting
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*

JEROLD TERHUNE - Director's Club - 1992, 1994, 1996, 1997, 1998, 1999, 2001; President's Club - 2001, 2002, 2003, 2004, 2005, 2006, 2007, 2008;Master's Club - 2009, 2010; Appointed Associate Vice President - Investments - January 1990; Appointed Vice Pres

  • ERIK SORENSEN - Presidents Club 1995 _x0016_ 2004. Vice President, Investments 1995. Leaders Circle, 2004 _x0016_ 2012. Senior Vice President 2006. Chairman's Club 2013. Portfolio Management Director 2017
  • DAVID V. CAPRIO - PFP Leader 2006; Appointed Vice President - Investments - January 2011
  • CHAD MERSCHAT - Appointed Assistant Vice President January 2016
  • JULIE STREICHER - Appointed Senior Client Service Associate January 1998

Experience

Jerold Terhune, Senior Vice President, Wealth Advisor. - Jerry has been with Morgan Stanley since 1986. He was appointed First Vice President in 1995 and Senior Vice President in 1999. In 2004, Jerry was nominated by members of Morgan Stanley’s Regional Management Team for The Executive Wealth Advisors Program. Jerry holds a Bachelor’s and Master’s degree in Mathematics.

Erick Sorensen, CIMA®, CPWA®, Senior Vice President, Family Wealth Advisor, Investment Management Analyst - With more than 25 years of Financial Services Industry experience Erik serves the sophisticated needs of Business Owners, Families and Foundations. Prior to joining Morgan Stanley, Erik was Senior Financial Advisor, Senior Vice President - Investments, with Wells Fargo Advisors. He was designated a member of Wells Fargo Advisors Premier Advisors Program in 2013, at the highest, Chairman's Council level.

David V. Caprio, Vice President, Financial Advisor. - David has been with Morgan Stanley since 2004. He started in the business with his father whose career at Morgan Stanley in Marin County spanned over 25 years. In 2011 David was appointed Vice President.

Chad Merschat, Assistant Vice President, Wealth Management Associate. - Chad joined Morgan Stanley in 2004. He joined The Pacific Paragon Group which was then The Terhune Group at Morgan Stanley as a Registered Client Service Associate in 2005. Chad was appointed Assistant Vice President in 2016.

Julie Streicher, Senior Client Service Associate. - Julie has been assisting Financial Advisors and their clients at Morgan Stanley since 1997.

    Working With You

    The Pacific Paragon Group assists clients who are in or approaching retirement or have received an inheritance make wise financial and investment decisions.  We work with together to create and achieve financial goals, manage investment risk, and minimize taxes and costs.


    Having been at one firm for many years, we are able to draw up the deep personnel resources and expertise at Morgan Stanley to match the complexity of clients financial, estate, and charitable intent situations.

    The Pacific Paragon Group's goals are to protect your principal first and grow your money second.

      Our Clients

      The Pacific Paragon Group assists families to navigate a multitude of financial events including retirement, education planning, trusts, receiving an inheritance, changing jobs, or purchasing a home.

      We also work with professionals and business owners to create financial solutions for both their business and personal finances.

      Working with Fiduciaries is one of our specialties. We understand the Uniform Prudent Investors Act and the standards a Fiduciary must maintain. We have many Fiduciary clients and are very experienced in Trusts.

        Location

        750 Lindaro St
        Suite 300
        San Rafael, CA 94901
        US
        Direct:
        (415) 460-6207(415) 460-6207
        Toll-Free:
        (800) 505-1220(800) 505-1220

        Meet Pacific Paragon Group

        About Me

        Jerry has been with Morgan Stanley since 1986. He was appointed First Vice President in 1995 and Senior Vice President in 1999. In 2004, Jerry was nominated by members of Morgan Stanley’s Regional Management Team for The Executive Wealth Advisors Program. Jerry holds a Bachelor’s and Master’s degree in Mathematics. He resides in Sebastopol, CA with his wife Sandy. Their three adult children live with their families in Hawaii, Northern California and Southern California.
        Jerry helps clients evaluate and address near-term concerns and plan for long-term goals. He works with a wide variety of consultants and aims to develop and execute financial, investment and estate strategies that are individualized and comprehensive.
        Securities Agent: TX, CA, WA, UT, PA, OR, OH, NY, NV, NM, MO, MI, MA, HI, GA, CO, AZ; Managed Futures; General Securities Representative; Investment Advisor Representative
        NMLS#: 1270262

        About Me

        With more than 25 years of Financial Services Industry experience, Erik Sorensen, Senior Vice-President, Portfolio Manager, serves the sophisticated needs of Business Owners, Families and Foundations. He does this by providing a comprehensive, fee based planning and investment strategy that helps his clients build, manage, preserve and transition wealth.

        Erik is an active member of IMCA, Investment Management Consultants Association, and has attained the CIMA®, Certified Investment Management Analyst®SM certification after completing a graduate-level curriculum with the Wharton School of Business, University of Pennsylvania. As a capstone to his professional education, Erik attained the CPWA®, Certified Private Wealth Advisor® certification after completing a graduate-level curriculum at the Chicago Booth School of Business, Executive Education.

        Prior to joining Morgan Stanley, Erik was Senior Financial Advisor, Senior Vice President - Investments, with Wells Fargo Advisors. He was designated a member of Wells Fargo Advisors Premier Advisors Program in 2013, at the highest, Chairman's Council level. Outside of work you will find Erik engaged in volunteer work for his favorite charitable causes or hiking, cycling or sailing with his wife and their two sons.
        Securities Agent: TX, CA, WA, UT, SC, OR, OK, NY, NV, NM, MT, MO, MI, MA, KY, GA, FL, DE, CO, AZ; General Securities Representative; Investment Advisor Representative
        NMLS#: 1288231

        About Me

        David has been with Morgan Stanley since 2004. He started in the business with his father whose career at Morgan Stanley in Marin County spanned over 25 years. In 2011 David was appointed Vice President. Growing up in Marin County, David currently resides in Castro Valley with his wife, two sons and daughter. David enjoys the discipline of martial arts and has a brown belt in Brazilian jiu-jitsu.
        David's experience as part of Pacific Paragon Group at Morgan Stanley is portfolio allocation as well as variable annuity strategies. David builds personalized investment portfolios utilizing the high end programs and vast investment solutions that Morgan Stanley provides. He inputs the information gathered by members of The Pacific Paragon Group to create the best strategy to assist in meeting the financial goals.
        Securities Agent: TX, CA, WA, UT, OR, NY, NV, NM, NC, MT, MO, MI, MA, GA, FL, CO, AZ; Managed Futures; General Securities Representative; Investment Advisor Representative
        NMLS#: 1288066

        About Me

        Chad joined Morgan Stanley in 2004 and began working with Jerry Terhune in 2005. He provides tailored service and thoughtful, proactive assistance to clients. Chad has extensive experience handling the complex needs of financially successful families and works to create customized strategies helping clients live the lifestyle they choose and plan for a smooth transition from one generation to the next. Chad was appointed Assistant Vice President in 2016. Chad spent two years in Central Asia in the US Peace Corps. Chad holds a Bachelor’s Degree in History.  He resides in Orinda and enjoys running, mountain biking and spending time with his wife and two boys.

        About Me

        Julie has been assisting Financial Advisors and their clients at Morgan Stanley since 1997. She was promoted to Senior Service Assistant in 1998 and joined what was then The Terhune Group and is now Pacific Paragon Group as a Senior Client Service Associate in 2003. Julie has attained Morgan Stanley Branch recognition for excellent client Service.

        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.

        Business Planning

        Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
        • Succession Planning
        • Business Planning
        • Retirement Plan Sponsors
        • Qualified Retirement Plans
        • Corporate Pension Funds
        6 Keys to Building a Startup

        6 Keys to Building a Startup

        Entrepreneurs share ideas and learnings from the experience of starting a company.

        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.

        More from Morgan Stanley

        OUTSMART VOLATILITY IN A MORGAN STANLEY MINUTE

        OUTSMART VOLATILITY IN A MORGAN STANLEY MINUTE

        “You may feel like a 1,000 point move in the Dow in a single day is unprecedented, but the reality is that it’s a 2 or 3% move down.” - Lisa Shalett, Chief Investment Officer, Wealth Management
        Learn more about OUTSMART VOLATILITY IN A MORGAN STANLEY MINUTE
        Morgan Stanley and Justin Rose: A Winning Team

        Morgan Stanley and Justin Rose: A Winning Team

        Morgan Stanley and our brand ambassador, PGA TOUR champion Justin Rose, share a set of core values and a common cause: giving books to children in need.
        Learn more about Morgan Stanley and Justin Rose: A Winning Team
        Sign Up for eDelivery

        Sign Up for eDelivery

        With eDelivery, you’ll have easy access to statements, trade confirmations, general correspondence and much more.
        Learn more about Sign Up for eDelivery
        Reserved | Living & Giving

        Reserved | Living & Giving

        Our complimentary program for eligible clients provides you and your family with access to exclusive offers and discounts from premium travel, automotive, health and wellness, and retail brands as well as curated insights from Morgan Stanley.
        Learn more about Reserved | Living & Giving
        Your Financial World. On the Go.

        Your Financial World. On the Go.

        With the Morgan Stanley Mobile App, you’ll have the freedom to manage your investments and instantly access a suite of personal cash management tools.
        Learn more about Your Financial World. On the Go.
        Access Morgan Stanley Online

        Access Morgan Stanley Online

        Morgan Stanley Online provides a comprehensive view of your assets and liabilities, projected income, breaking news, research and much more.
        Learn more about Access Morgan Stanley Online
        Ready to start a conversation? Contact Pacific Paragon Group today.
        Market Information Delayed 20 Minutes
        1Morgan 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.

        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.

        3An 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.

        4Morgan 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.

        5Income 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.

        6Morgan Stanley’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be suitable for you. Please see the Morgan Stanley Smith Barney LLC program disclosure brochure (the “Morgan Stanley ADV”) for more information in the investment advisory programs available. The Morgan Stanley ADV is available at www.morganstanley.com/ADV.

        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.

        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 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.

        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.


        CRC 2019752 10/2018