Senior Vice President, Financial Advisor, Senior Portfolio Management Director, Global Sports and Entertainment Director
Phone:
(650) 234-5881(650) 234-5881
Sand Hill Legacy Group at Morgan Stanley
Direct:
(650) 234-5100(650) 234-5100
Our Mission Statement
Empowering your lifelong financial journey and helping create your lasting legacy.
An Ongoing Holistic Process
Sand Hill Legacy Group believes wealth planning should be an ongoing and holistic process, not a series of intermittent, discrete actions. We help you plan and succeed on your life long financial journey, no matter where you are right now. Our mission is to empower you to achieve your goals and create the legacy of your dreams for your family and community.
Whether you are an ultra-high net worth individual pondering business succession, family governance or philanthropic planning, or a high net worth individual focusing on a concentrated stock position, future retirement or tax and estate planning, we have the experience and resources to help.
There's more to Sand Hill Legacy Group than experience. We understand that as your wealth grows and your requirement for sophisticated guidance increases, your need for empathetic and supportive counseling often grows as well. Besides developing a full understanding of your financial situation and goals, we learn about your family's values and dynamics. We know there's more to wealth than just dollars and cents.
We are passionate about developing effective and efficient solutions for our clients' singular needs. We welcome hearing from you and explaining how we can help you create the legacy of your dreams.
Our Services and Strategies address:
• Financial planning
• Tax and estate planning
• Preparing for liquidity events
• Portfolio construction
• Manager selection
• Tactical asset allocation
• Strategic asset allocation
• Cash management and lending solutions
• Insurance solutions
• Strategic estate planning
• Trust services
• Philanthropy management
• Tangible asset management
• Wealth education
• Family governance
• Succession planning
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Diversifying Stock Options and Company Equity
One of the many reasons you've succeeded in your career or business is that you often prioritized the interests of your organization or enterprise. This dedication has resulted in your being rewarded with sizable compensation in the form of stock grants and options or business equity.
Now that you're planning the next stage in your financial journey you face the challenge of managing a concentrated stock position or monetizing business value. Both are complex issues that require a thorough understanding of regulations and business as well as portfolio, tax and estate management.
Sand Hill Legacy Group has the experience to help you navigate this obstacle. We can help you work through the regulatory complications, tax implications, business considerations and family ramifications. Our goal is to ensure you diversify your concentrated position in a tax efficient manner that preserves and grows your wealth.
Solutions we will explore:
• Rule 144 sales of restricted and control securities
• Loans secured by eligible restricted and control stock
• Gifting of restricted or control stock to individuals, funds, foundations or organizations
• The creation and implementation of Rule 10b5-1 plans
• The use of exchange funds
• Inter family loans and self-canceling installment notes
• Employee stock ownership plans
• IPO, LBO or other sale to private equity investor
• Sale to a strategic acquirer
A Unified and Comprehensive Approach
We believe in comprehensive wealth planning. Part of our extensive discovery process when we begin working with a client is to review any existing tax and estate structures. We pride ourselves on working closely with external tax and legal advisors to make sure all aspects of your wealth are synchronized and complementary. If necessary we can also provide advice and guidance on the selection of tax and legal advisors.
By accessing Morgan Stanley's tax management solutions and services we can help you mitigate the tax drag on your portfolio all year long, not just at tax time. Our proactive approach to tax planning not only helps increase investment efficiency but also can maximize your charitable giving.
We take a holistic view when analyzing and advising on estate planning issues. Control of assets elements, such as wills, living trusts, powers of attorney and health care proxies, are foundational elements to your estate plan. But we will also help you review basic gifting options, like annual exclusions, lifetime exemptions and marital deductions, as well as more sophisticated leveraged gifting strategies.
Strategies we will consider:
• Intelligent withdrawal technology
• Tax-loss harvesting
• Tax-smart planning to transfer appreciated assets
• Charitable remainder trust
• Private foundation
• Grantor retained annuity trust
• Qualified personal residence trust
Managing your human capital
Sometimes the most challenging issue affluent families face is the management of their "human capital" rather than the management of their financial capital. We know how fraught issues of wealth education, business succession, and inheritance can become if they are not handled proactively with sensitivity and diplomacy.
Sand Hill Legacy Group has sat down with many clients and helped them define what fairness means when passing wealth to children. We've provided wealth education, coaching and mentoring to family members who may have previously been shielded from the mechanics and obligations of wealth.
Family businesses can be central to the dynamics of a family. We have helped tactfully discuss and formalize succession plans when some family members may be slated to be manager/owners, some owners only, and perhaps some who may not have a future role in the business.
We can help you establish a family governance plan that empowers your heirs to achieve their own success while still benefiting from your hard work and prudence.
Services available include:
• Creating family mission statements
• Crafting governance structures and documents
• Leading family meetings and retreats
• Establishing communication and decision-making models
• Advising on family offices
• Integrating family values into estate planning strategies
• Developing strategies to address special needs or blended families
• Building educational plans for family of any age
• Coaching and advising next generation clients
Helping translate your values into giving
Philanthropic efforts are often the ultimate elements of an ultra-high net worth client's legacy journey. We can help you successfully progress from your own personalized charitable efforts to more formalized multigenerational philanthropic endeavors.
Drawing on our understanding of your family's values and dynamics, we can guide discussions that can help your family translate its values into giving goals. We're experienced at leading discovery conversations that explore the aspects of your life that could inform a philanthropic plan. Together we may review seminal events in your life, your family background and values, your spiritual journey, your educational and professional development and your personal development to help you create a multigenerational giving legacy.
We can help you work with and implement the expertise of Morgan Stanley's extensive philanthropy management resources by researching existing organizations and establishing family foundations.
Philanthropic solutions include:
• Developing mission statements
• Selection and structuring of gifting vehicles
• Coordinating site visits
• Advising on grand making strategies
• Turnkey, web-based, back-office services
• Grant-making support
• Fundraising consulting
• Board development and placement
• Creating innovative partnerships
• Raising nonprofit visibility
Location
2882 Sand Hill Rd
Ste 200
Menlo Park, CA 94025
US
Direct:
(650) 234-5100(650) 234-5100
Meet Sand Hill Legacy Group
Phone:
(650) 926-7134(650) 926-7134
Phone:
(650) 496-3995(650) 496-3995
Phone:
(650) 234-5883(650) 234-5883
Jennifer Xay
Vice President, Director of Investments
Phone:
(650) 496-4237(650) 496-4237
Janet Jiang
Wealth Management Associate
Phone:
(650) 234-5128(650) 234-5128
Kameron Elledge
Wealth Management Associate
Phone:
(650) 234-5138(650) 234-5138
Lucianne Ryan
Wealth Management Associate
Phone:
(650) 234-5147(650) 234-5147
Angela Marcheschi
Client Service Associate
Phone:
(650) 926-7194(650) 926-7194
Sam Yang
Client Service Associate
Phone:
(650) 856-4517(650) 856-4517
About Christopher Hoe
Chris Hoe’s unique background and love of developing innovative solutions to complex issues have blessed him with a special affinity for the distinctive needs of ultra-high net worth individuals and their families. He has worked in finance for more than two decades, the past ten years with Morgan Stanley where he is a Senior Vice President, Financial Advisor, Portfolio Management Director and Global Sports and Entertainment Director.
Chris’s work in the corporate world taught him how executives can become focused on their company’s success and back burner their own finances. His entrepreneurial history helps him appreciate how business value and personal wealth can become entwined. And his teaching experience has served him well in working with the families of clients.
After receiving his bachelor’s degree in accounting from the University of San Diego and a master’s degree in finance from St. Mary’s College of California, Chris joined the corporate world, eventually becoming responsible for the $1.2 billion fixed income and equity portfolios of Advanced Micro Devices, Inc. He next became the principal of the internet start-up HandyAuction. Chris’s fascination with finance and a love of teaching then led him to earn a certificate in Financial Planning from Teachers College, Columbia University and join Wells Fargo Advisors as a Municipal Solicitor and Portfolio Manager working with corporations, governments and executives. He returned to his alma mater Saint Mary’s as an adjunct professor teaching finance at its graduate business school.
A college roommate’s career in the NBA and coaching drew Chris into the worlds of professional sports and entertainment. He’s a Board Member of the Nigerian Basketball Foundation which supports that nation’s Olympic team and has received the NFL Players Association Registered Institutional Player Financial Advisor designation.
Chris’s work in the corporate world taught him how executives can become focused on their company’s success and back burner their own finances. His entrepreneurial history helps him appreciate how business value and personal wealth can become entwined. And his teaching experience has served him well in working with the families of clients.
After receiving his bachelor’s degree in accounting from the University of San Diego and a master’s degree in finance from St. Mary’s College of California, Chris joined the corporate world, eventually becoming responsible for the $1.2 billion fixed income and equity portfolios of Advanced Micro Devices, Inc. He next became the principal of the internet start-up HandyAuction. Chris’s fascination with finance and a love of teaching then led him to earn a certificate in Financial Planning from Teachers College, Columbia University and join Wells Fargo Advisors as a Municipal Solicitor and Portfolio Manager working with corporations, governments and executives. He returned to his alma mater Saint Mary’s as an adjunct professor teaching finance at its graduate business school.
A college roommate’s career in the NBA and coaching drew Chris into the worlds of professional sports and entertainment. He’s a Board Member of the Nigerian Basketball Foundation which supports that nation’s Olympic team and has received the NFL Players Association Registered Institutional Player Financial Advisor designation.
Securities Agent: MT, IN, NJ, GA, AK, UT, MI, MD, HI, AZ, NY, CT, OH, KS, ID, IA, CA, WY, VA, SC, DE, OR, MN, AL, TN, FL, DC, CO, PA, IL, WA, NV, NE, MA, TX, NC; General Securities Representative; Investment Advisor Representative
NMLS#: 997167
CA Insurance License #: 0F84516
NMLS#: 997167
CA Insurance License #: 0F84516
About Robert Manning
With over three decades of experience in the financial industry, Robert Manning has built a distinguished career as a trusted and highly regarded financial advisor.
Robert holds a B.S. degree from the University of Massachusetts Amherst, where he acquired a solid foundation in finance and investment strategies. Throughout his professional tenure, he has assisted many business owners, high-level managers, and other high-net-worth individuals in achieving their financial objectives. Robert developed a reputation for his commitment to not only building portfolio value but also fostering long-term relationships with his clients. To this day, he continues to serve several clients from his early days of relationship building and portfolio management.
In his previous role, Robert focused on corporate services, providing guidance to officers and directors of publicly traded companies through intricate financial strategies. He offered valuable advice on pre-IPO planning, gifting strategies, 10b5-1 trading plans, trust and estate planning strategies, and significant reinvestment plans. His extensive experience in tax-free municipal bonds, separately managed accounts, structured notes, alternative investments, and hedge funds positioned him as a valuable resource for his clients.
Currently serving as a Financial Advisor and Executive Director at Morgan Stanley, Robert combines his extensive knowledge and dedication to providing personalized financial solutions. Leveraging three decades of experience in corporate and executive services, he delivers proficient guidance to his clients.
He takes pride in building long term relationships based on trust, integrity, and exceptional service, ensuring that his strategies align with his clients’ unique needs and financial goals.
Robert holds a B.S. degree from the University of Massachusetts Amherst, where he acquired a solid foundation in finance and investment strategies. Throughout his professional tenure, he has assisted many business owners, high-level managers, and other high-net-worth individuals in achieving their financial objectives. Robert developed a reputation for his commitment to not only building portfolio value but also fostering long-term relationships with his clients. To this day, he continues to serve several clients from his early days of relationship building and portfolio management.
In his previous role, Robert focused on corporate services, providing guidance to officers and directors of publicly traded companies through intricate financial strategies. He offered valuable advice on pre-IPO planning, gifting strategies, 10b5-1 trading plans, trust and estate planning strategies, and significant reinvestment plans. His extensive experience in tax-free municipal bonds, separately managed accounts, structured notes, alternative investments, and hedge funds positioned him as a valuable resource for his clients.
Currently serving as a Financial Advisor and Executive Director at Morgan Stanley, Robert combines his extensive knowledge and dedication to providing personalized financial solutions. Leveraging three decades of experience in corporate and executive services, he delivers proficient guidance to his clients.
He takes pride in building long term relationships based on trust, integrity, and exceptional service, ensuring that his strategies align with his clients’ unique needs and financial goals.
Securities Agent: KS, NY, MI, IL, AK, WY, WA, TX, IA, CA, DE, CO, PA, OH, ID, CT, VA, MS, IN, FL, NE, NV, OR, MD, TN, MN, MA, HI, DC, AZ, AL, VT, UT, GA, SC, NJ, MT; General Securities Representative; Investment Advisor Representative
NMLS#: 1285037
NMLS#: 1285037
About Sandra Lanoie
Sandra Lanoie believes in serving as an informed and wise navigator for her client’s wealth. Sandra goes through an extensive discovery process with her clients to determine their personal wants, needs, and investing attitudes. Her philosophy is to always be client-focused and planning-based. She works with each client’s risk tolerance, financial goals, and wealth transfer considerations. Her aim is to create a long-term plan and portfolio allocation strategy that is appropriate for each situation, whether nearing retirement, an entrepreneur weighing succession issues, or an heir hoping to develop true multigenerational wealth.
Sandra has more than 30 years of experience in financial services, specializing in equities, fixed income and portfolio allocation strategies for high-net-worth individuals and their families. A graduate of San Jose State University with a degree in business, she spent more than two decades with Wells Fargo Advisors before joining Morgan Stanley in 2020.
A native of Santa Clara Valley, Sandra and her immediate as well as extended family have maintained their deep roots in the area. Outside of the office she treasures time with her husband and two adult children and their regular getaways to the mountains around Lake Tahoe. Sandra loves to cook Italian food, time in the garden and balances all with exercise.
Sandra has more than 30 years of experience in financial services, specializing in equities, fixed income and portfolio allocation strategies for high-net-worth individuals and their families. A graduate of San Jose State University with a degree in business, she spent more than two decades with Wells Fargo Advisors before joining Morgan Stanley in 2020.
A native of Santa Clara Valley, Sandra and her immediate as well as extended family have maintained their deep roots in the area. Outside of the office she treasures time with her husband and two adult children and their regular getaways to the mountains around Lake Tahoe. Sandra loves to cook Italian food, time in the garden and balances all with exercise.
Securities Agent: IA, IL, AZ, UT, RI, NY, AK, SC, OR, NE, MS, CO, MN, KY, CT, WA, TN, PA, OK, NV, ID, CA, VT, TX, NJ, NC, FL, AL, MT, MD, GA, DE, DC, WI, OH, MI, IN, HI, WY, MA, KS, VA; General Securities Representative; Investment Advisor Representative
NMLS#: 997158
CA Insurance License #: 0A82209
NMLS#: 997158
CA Insurance License #: 0A82209
About Douglas Keyston
Douglas Keyston is a Senior Vice President and Financial Advisor with Morgan Stanley Wealth Management focusing on supporting the complex needs of high-net-worth individuals and families based in the Bay Area and across the United States.
Prior to joining Morgan Stanley, Doug was Credit Risk Executive for the Specialized Industries Group at Bank of America Merrill Lynch responsible for the Gaming, Sports and Lodging industry segments globally. Doug has deep experience working with senior corporate leaders, investment bankers and business owners and is well versed in corporate, commercial and real estate finance structuring. Early in his career Doug worked in office leasing in Texas and Tennessee and in real estate finance, management and development in the Bay Area. After graduating from UCLA with a degree in Economics and a minor in Accounting, Doug’s first job was working with Arthur Young & Co. in Zurich, Switzerland.
Doug’s family started Keyston Bros. (a leather goods company) in San Francisco in 1868 and Doug served as a board member for the San Mateo County Historical Association for many years. As a young man, Doug worked summers as an Operating Engineer for Anza Pacific Corp., a family company, building Anza Airport Park, 160 acres of reclaimed land in Burlingame, CA.
Prior to joining Morgan Stanley, Doug was Credit Risk Executive for the Specialized Industries Group at Bank of America Merrill Lynch responsible for the Gaming, Sports and Lodging industry segments globally. Doug has deep experience working with senior corporate leaders, investment bankers and business owners and is well versed in corporate, commercial and real estate finance structuring. Early in his career Doug worked in office leasing in Texas and Tennessee and in real estate finance, management and development in the Bay Area. After graduating from UCLA with a degree in Economics and a minor in Accounting, Doug’s first job was working with Arthur Young & Co. in Zurich, Switzerland.
Doug’s family started Keyston Bros. (a leather goods company) in San Francisco in 1868 and Doug served as a board member for the San Mateo County Historical Association for many years. As a young man, Doug worked summers as an Operating Engineer for Anza Pacific Corp., a family company, building Anza Airport Park, 160 acres of reclaimed land in Burlingame, CA.
Securities Agent: CA, NY, IN, DC, HI, TX, SC, MI, MD, IL, IA, CT, CO, MN, FL, DE, AZ, UT, MA, AL, VA, PA, NV, NJ, KS, ID, WY, AK, TN, OH, MT, VT, GA, WA, OR, MS; General Securities Representative; Investment Advisor Representative
NMLS#: 903978
NMLS#: 903978
About Jennifer Xay
Jennifer Xay serves as Vice President and Director of Investments for the Sand Hill Legacy Group, bringing over a decade of experience in equity compensation, wealth management, and operational leadership. Prior to joining the team, Jennifer held key leadership roles within our Morgan Stanley Silicon Valley Complex, where she engaged a network of over 200 Financial Advisor teams, directed market-level Equity Plan operations for Fortune 500 companies, and build deep expertise in RSUs, ESPPs, and 10b5-1 plans.
Jennifer holds a Master of Business Administration from Westminster College and Bachelor of Science in Business Administration from Old Dominion University. She maintains several FINRA licenses, including Series 7, 63, 65, 9, and 10.
Known for her integrity, team leadership, and client-first approach, Jennifer plays a pivotal role in driving client outcomes and operational excellence for our clients.
Jennifer holds a Master of Business Administration from Westminster College and Bachelor of Science in Business Administration from Old Dominion University. She maintains several FINRA licenses, including Series 7, 63, 65, 9, and 10.
Known for her integrity, team leadership, and client-first approach, Jennifer plays a pivotal role in driving client outcomes and operational excellence for our clients.
About Janet Jiang
Janet Jiang sees her role as being a problem solver for her clients. She takes pride in responding as quickly as possible to clients with answers to their questions and solutions that address any obstacles they might face. Her goals are to exceed client expectations and provide them with peace of mind.
A graduate of Shanghai University of International Business and Economics with a degree in Business Administration, Janet began her career working in sales for a Shanghai-based technology firm before joining HSBC as a senior relationship manager. After moving to California in 2015, she joined Morgan Stanley as a Wealth Management Associate.
Janet was born in Shanghai and is fluent in Mandarin and English. Most of her spare time is spent ferrying her two young children to and from soccer games and extracurricular programs.
A graduate of Shanghai University of International Business and Economics with a degree in Business Administration, Janet began her career working in sales for a Shanghai-based technology firm before joining HSBC as a senior relationship manager. After moving to California in 2015, she joined Morgan Stanley as a Wealth Management Associate.
Janet was born in Shanghai and is fluent in Mandarin and English. Most of her spare time is spent ferrying her two young children to and from soccer games and extracurricular programs.
About Kameron Elledge
Kameron Elledge finds fulfillment in helping empower clients to achieve their financial goals. He sees his role as doing everything he can to meet client needs, whether it’s simple things such as money movement or transactions, or more involved matters, such as providing information and planning guidance. Kameron believes financial planning is as vital an element in holistic wealth management as investing.
Kameron began his financial services career as a sales manager with Access Financial. He then joined Merrill Lynch as a Financial Advisor before becoming a Wealth Management Associate at Morgan Stanley in 2023.
Kameron was born in Apple Valley, California. After attending college in Washington and discovering a love for financial services, he moved to the Bay Area to begin his career. He and his wife are active participants in their community’s youth programs. In their spare time they enjoy hiking with their Bernedoodle, Obi.
Kameron began his financial services career as a sales manager with Access Financial. He then joined Merrill Lynch as a Financial Advisor before becoming a Wealth Management Associate at Morgan Stanley in 2023.
Kameron was born in Apple Valley, California. After attending college in Washington and discovering a love for financial services, he moved to the Bay Area to begin his career. He and his wife are active participants in their community’s youth programs. In their spare time they enjoy hiking with their Bernedoodle, Obi.
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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
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Working closely with you to guide your wealth and investments through the most challenging market cycles.
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Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
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Enhancing Financial Wellness enables your workforce to do their best work. Companies that invest in financial wellness have an opportunity to:
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- Set themselves apart by offering comprehensive financial wellness benefits.
Ready to start a conversation? Contact Sand Hill Legacy Group today.
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
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)
