Yvonne M. Good
Portfolio Associate
Phone:
(760) 602-3531(760) 602-3531
Raymond C Corney
Executive Director,
Financial Advisor,
Family Wealth Advisor,
Senior Investment Management Consultant,
Senior Portfolio Management Director
Direct:
(760) 602-3505(760) 602-3505
Toll-Free:
(800) 676-0460(800) 676-0460
My Mission Statement
Excellence in family wealth planning for your family's unique goals
My story...
Raymond C. Corney is a Family Wealth Advisor with The Pelican Bay Group at Morgan Stanley Wealth Management in San Diego, California. With more than 25 years in an advisory role, he takes the time to fully understand all aspects of his client's wealth management picture. He treats each client and his or her investment objectives in relation to their lives, goals, and any special circumstances they have in their investments.
He helps high-net-worth individuals, their families, and their businesses with the increasing complexity and responsibility of coordination, management, and ongoing oversight of their financial lives. He recognizes that delicate and changing conditions exist not only in the markets, but also in his client’s lives. To get a fully holistic view of clients, he gets to know them on a personal level by figuring out what their why is. This entails several conversations, during which he captures a deep understanding of their risk tolerance. He identifies the client’s primary intent for their wealth, then goals and strategies are built together.
Ray also works closely with other Morgan Stanley Financial Advisors who seek out The Pelican Bay Group for their investment management, covered call writing strategies and strategic partnerships. As a partner on the team's Equity Option Overlay strategy, he values the team's strategic relationships with over 1900 Financial Advisors.
A native of Brooklyn, New York he now resides in Carlsbad, California and Rockaway Point, New York with his wife Jackie and their four children. After graduating from Iona College, he immediately pursued a career in financial services in New York City. In his spare time, Ray enjoys playing roller hockey, beach volleyball, skiing, reading and spending time with his family.
My Education:
• Iona College - New Rochelle, NY - BA - Public Relations, 1993
• Series 4 - Registered Options Principal
• Series 7 - General Securities Representative
• Series 8 - General Securities Sales Supervisor
• Series 24 - Managed Futures & Commodities
• Series 31 - Managed Futures & Commodities
• Series 63 - Uniform State Exam
• Series 65 - Investment Advisory Agent
• Life, Health, Variable & Fixed Contracts Insurance Licensed
He helps high-net-worth individuals, their families, and their businesses with the increasing complexity and responsibility of coordination, management, and ongoing oversight of their financial lives. He recognizes that delicate and changing conditions exist not only in the markets, but also in his client’s lives. To get a fully holistic view of clients, he gets to know them on a personal level by figuring out what their why is. This entails several conversations, during which he captures a deep understanding of their risk tolerance. He identifies the client’s primary intent for their wealth, then goals and strategies are built together.
Ray also works closely with other Morgan Stanley Financial Advisors who seek out The Pelican Bay Group for their investment management, covered call writing strategies and strategic partnerships. As a partner on the team's Equity Option Overlay strategy, he values the team's strategic relationships with over 1900 Financial Advisors.
A native of Brooklyn, New York he now resides in Carlsbad, California and Rockaway Point, New York with his wife Jackie and their four children. After graduating from Iona College, he immediately pursued a career in financial services in New York City. In his spare time, Ray enjoys playing roller hockey, beach volleyball, skiing, reading and spending time with his family.
My Education:
• Iona College - New Rochelle, NY - BA - Public Relations, 1993
• Series 4 - Registered Options Principal
• Series 7 - General Securities Representative
• Series 8 - General Securities Sales Supervisor
• Series 24 - Managed Futures & Commodities
• Series 31 - Managed Futures & Commodities
• Series 63 - Uniform State Exam
• Series 65 - Investment Advisory Agent
• Life, Health, Variable & Fixed Contracts Insurance Licensed
Securities Agent: PR, WA, WY, WV, WI, VT, VI, VA, TX, TN, SD, RI, PA, OR, OH, NY, NV, NM, NJ, NH, NE, NC, MT, MS, MN, MI, ME, MD, MA, LA, KY, KS, IN, IL, ID, UT, IA, HI, GA, FL, DE, MO, DC, CT, CO, ND, CA, AZ, AR, AL, AK, SC, OK; BM/Supervisor; General Securities Principal; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1272835
CA Insurance License #: 0D02467
NMLS#: 1272835
CA Insurance License #: 0D02467
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
From left to right: Matthew -> Raymond -> Frankie -> Charlie
MANAGING FAMILY & GENERATIONAL WEALTH
Managing significant family and generational wealth is complex and often raises difficult questions. See the resources below for more information about managing and preserving significant family wealth.
Family Governance and Wealth Education Fact Sheet
Our mission is to help clients maximize the value of their family capital through the transfer and preservation of the family's shared values, and the creation of an enduring family legacy.
Learn More Here
Opening Pandora's Box: 10 Rules for Talking to Kids About Money
Discussing family wealth and financial matters with children can be daunting for families. Read the linked article from Glenn Kurlander, Head of Family Governance & Wealth Education at Morgan Stanley, for more information about navigating this delicate subject.
Learn More Here
Wealth Education Development Plan
The Family Governance & Wealth Education group helps ultra high net worth families strive to maximize the value of their human capital by driving family wealth education, making it more likely that all members of the family will have the foundation they need to lead meaningful, fulfilled and engaged lives.
Learn More Here
Your Guide to Life and Money Playbook
Our goal is to help prepare the next generation of leaders, parents, philanthropists, innovators, trustees, executors, board members, and investors by empowering you with the knowledge and tools needed to achieve your goals.
Learn More Here
Wealth Transfer Brochure
Learn more about Wealth Transfer Planning by viewing the Wealth Transfer Brochure below.
Learn More Here
Importance of a Holistic Plan to Your Wealth Video
Watch the below video from Morgan Stanley Family Office Resources to learn how Morgan Stanley FOR can help integrate family values, philanthropy, and legacy into your unique wealth plan.
Learn More HereResources For Your Family Financial Needs
As your family grows and your wealth increases, you may face more subtle and profound wealth management issues. As the demands of your family grow and evolve, you will likely need professionals who have expanded capabilities. Our Family Office services will help you manage the complex, multigenerational challenges of managing significant wealth.
The term “Family Office Resources” is being used as a term of art and not to imply that Morgan Stanley and/or its employees are acting as a family office pursuant to Investment Advisers Act of 1940.
The term “Family Office Resources” is being used as a term of art and not to imply that Morgan Stanley and/or its employees are acting as a family office pursuant to Investment Advisers Act of 1940.
Trust & Estate Planning
You can’t take it with you, but through a trust, you can define how you want your life’s work and wealth to continue to benefit the people and causes you love and care for.
Learn More Here
Private Banking Group
Morgan Stanley Cash Management and Lending Solutions
Tax Management
A wealth management tax services strategy designed to help keep more of your returns with a tax-managed investment portfolio.
Learn More
Family Office
When it comes to providing institutional-level support for your family office, scale matters. Our offering aims to bring together specialized investment services and operational support to enhance your life and legacy.
Learn MoreLocation
5796 Armada Drive
Suite 200
Carlsbad, CA 92008
US
Direct:
(760) 602-3505(760) 602-3505
Toll-Free:
(800) 676-0460(800) 676-0460
Fax:
(760) 931-4647(760) 931-4647
Meet My Team
Debra Krepps
Senior Registered Associate
Phone:
(760) 602-3527(760) 602-3527
About Yvonne M. Good
Yvonne Good is a Senior Client Service Associate with Morgan Stanley Wealth Management in Carlsbad, CA. She began her career in 1990 with EF Hutton in San Jose, CA. Yvonne remained a stalwart in the organization for 30 years as various mergers took place. With three decades of experience in the financial services industry, Yvonne is an integral part of the client service experience. Her responsibilities include the administrative, operational, and account maintenance needs for clients, all while delivering a high level of professionalism and care on a daily basis.
Yvonne works closely with the team to ensure that client requests are met with efficiency, knowledge, and extreme attention to detail. She brings a strong work ethic to everything she does and utilizes the firm’s modern wealth digital platform to deliver cutting edge service. Yvonne works closely with clients and their families to build long-lasting relationships for generations to come.
Outside of the office, Yvonne enjoys spending time with her two successful adult children, watching her grandson play football, and hiking the trails of Southern California.
Yvonne works closely with the team to ensure that client requests are met with efficiency, knowledge, and extreme attention to detail. She brings a strong work ethic to everything she does and utilizes the firm’s modern wealth digital platform to deliver cutting edge service. Yvonne works closely with clients and their families to build long-lasting relationships for generations to come.
Outside of the office, Yvonne enjoys spending time with her two successful adult children, watching her grandson play football, and hiking the trails of Southern California.
About Debra Krepps
(760) 602-3527
debra.k.krepps@morganstanley.com
debra.k.krepps@morganstanley.com
Wealth Management
From My Desk
The Pelican Bay Group Q1 2024 Market Commentary
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?
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
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
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.
Mosaic
Explore ideas and inspiration with captivating, original lifestyle stories created exclusively for Morgan Stanley clients.
A Change of Greenery
Article Image
Ready to start a conversation? Contact Raymond C Corney today.
1Morgan 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
2Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
3Municipal bonds may not be appropriate for all investors. Income 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.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) and its Financial Advisors and Private Wealth Advisors do not provide any tax/legal advice. Consult your own tax/legal advisor before making any tax or legal-related investment decisions.
4Morgan Stanley’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be appropriate 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.
5Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
6When 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.
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
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
2Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
3Municipal bonds may not be appropriate for all investors. Income 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.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) and its Financial Advisors and Private Wealth Advisors do not provide any tax/legal advice. Consult your own tax/legal advisor before making any tax or legal-related investment decisions.
4Morgan Stanley’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be appropriate 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.
5Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
6When 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.
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)
