About Us

The Capitol Group at Morgan Stanley develops and actively maintains customized investment portfolios, financial, and retirement plans for individuals, families and businesses. Our personalized approach helps clients preserve and grow their wealth based on each client’s unique financial needs, personal aspirations and legacy.

We work for each client as if they were our own family members, and strive to build lasting, multi-generational relationships built on trust and superior client service. We have developed relationships that have lasted for decades and span generations. This experience allows us to guide you through every stage of life and family dynamic – from children and grandchildren to college students and aging parents.

Contact us today to see how we can help you achieve your goals.
Services Include
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*

Morgan Stanley Resources

At Morgan Stanley, we provide clients with easily digestible financial analysis from our market research experts. The links below provide further insight on the markets and economic landscape as well as resources to help you get started:
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    Financial Literacy for Any Stage of Your Life
    It’s never too early or too late to start improving your financial literacy. A great first step is covering the basics. Financial literacy means being equipped with the knowledge to make smart financial decisions during every stage of your life. No matter your current priorities, a strong financial literacy foundation can help you meet your goals.
    Learn More
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    Preparing for Retirement: A Simple Six-Step Checkup
    Given recent market volatility, checking in on your retirement plan may make a lot of sense.

    Check out this article for a wealth of knowledge on how to be in good standing for retirement through the ebbs and flows of the market.
    Read More
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    The GIC Weekly Research Report
    The Global Investment Committee's Lisa Shalett headlines this weekly look at markets, asset class performance and fixed income.
    Read the Latest Report
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    On The Markets Research Report
    Detailed market commentary from Morgan Stanley's thought leaders on topics such as global equities, fixed income, monetary policy and more.
    Read the Latest Report
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    Thoughts on the Market Podcast
    With perspectives on the forces shaping the market, join Mike Wilson, Chief Investment Officer and Chief US Equity Strategist for Morgan Stanley, as he and his colleagues discuss a variety of viewpoints regarding the latest trends in the financial marketplace.
    Check Out The Latest Episode
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    The Morgan Stanley Minute
    Explore our 1-minute investment insights videos, in this on-going series, from our firm's leading thinkers. Discover current investment trends and topics like green bonds, active investment, monetizing small businesses, cybercrime and more.
    Watch the MSM
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    How to Handle Volatility
    Markets have gotten much more volatile recently. Morgan Stanley experts have put together some tips to handle a volatile environment. Here’s why investors should keep their focus on the long game.
    Read More
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Discovery Process
Investing the time to learn about you and your family and understanding key personal and financial circumstances and objectives.
Formulation of Tax, Trust and Estate Strategy
Working with your tax and legal advisors, to analyze income and estate tax circumstances along with your current balance sheet to identify pertinent gaps and address your objectives.
Creation of a Customized Strategic Asset Allocation
Discuss potential planning and investment recommendations, reflecting risk, opportunities and taxation across various entities.
Integration of Tactical Asset Allocation
Short-term adjustments seek to capitalize on temporary market distortions. We must analyze costs associated and potential returns.
Implementation of a Customized Wealth Strategy
After comprehensive due diligence and analysis, strategies are chosen and implemented from our expansive investment platform.
Ongoing Assessment of Wealth Management Needs
Conduct regular review meetings with clients to ensure plan is up to date and adapts to changing financial and family needs.

Online Tools and Features Available to You

Morgan Stanley is committed to delivering client technology platforms that are resilient, secure, efficient, and intelligent. As part of our services, these capabilities are available to all clients. Explore each tool and feature to learn how it can help you more easily manage and protect your financial journey.
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    Morgan Stanley Online
    In addition to checking your account balances and recent activity, Morgan Stanley Online (MSO) offers a range of features to help you manage day-to-day finances—such as paying bills, sending money, transferring funds, and authorizing transactions through eAuthorizations.
    Learn More About MSO
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    Total Wealth View
    Seeing the full financial picture can be difficult when key details are missing. As a Morgan Stanley client, you can conveniently view accounts held at other financial institutions through Morgan Stanley Online or the Morgan Stanley Mobile App, helping you build a more complete view of your overall finances.
    Learn More About Total Wealth View
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    eDelivery
    eDelivery provides clients with the ability to view statements and other Firm documents electronically instead of receiving them on paper. Clients who are registered with Morgan Stanley Online can enroll in eDelivery, which allows them to securely save, print, send, and receive documents at any time.
    Enroll in eDelivery
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    Online Security Center
    At Morgan Stanley, safeguarding your assets and personal information is among our highest priorities. Learn about our security measures and use our resources and ideas to help protect yourself online
    Learn More About Online Security
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    Morgan Stanley Mobile App
    Securely access your Morgan Stanley account from almost anywhere. Download the app to your mobile device and sign in using your Morgan Stanley Online username and password. Once logged in, you can take advantage of many Morgan Stanley Online resources while on the go.
    Discover More With Our Mobile App
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    Portfolio Risk Platform
    Portfolio Risk Platform – Powered by Aladdin is a risk management platform that provides comprehensive risk estimation and reporting across a broad range of asset classes and security types. This platform provides a holistic view to better enable risk to be effectively monitored and managed.
    Learn More About Portfolio Risk Platform
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    Goals Planning System
    As a Morgan Stanley client with a Goals Planning System (GPS) retirement plan, you can now access and view your plan’s status and progress on Morgan Stanley Online (MSO) and Morgan Stanley Mobile (MSM).
    Learn More about GPS on Morgan Stanley Online
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    Digital Vault
    Digital Vault lets you easily and conveniently manage and share life’s most important documents, such as wills, deeds and estate plans, as well as financial statements and tax filings.
    Digital Vault
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    MS Reserved Living and Giving
    Reserved Living & Giving is a tiered complimentary loyalty program that rewards clients with over one million dollars in assets and liabilities invested at the firm. The program is designed to enhance your lifestyle and relationship with the firm beyond traditional wealth management services.
    Learn More About RL&G

RESOURCES TO HELP YOU PREPARE

Figuring out ways to minimize how much the IRS takes from your retirement money should be a central part of your planning. Below are several resources to help you get started. There are also the 2025 and 2026 federal tax tables.
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    2026 Retirement Contribution Limits
    Planning for retirement is vital, understanding the limits for your retirement contributions empowers you to best prepare for retirement.
    View 2026's Contribution Limits
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    How to Access Your Tax Forms
    1. Log into your account via Morgan Stanley Online
    2. Click the Accounts tab
    3. Select the Documents tab
    4. Go to the Statement drop-down tab
    5. Select Tax Documents and download them
    Access Tax Forms
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    Required Minimum Distributions (RMDs)
    Timing your retirement income? It's very important to think about timing your withdrawals. Given tougher regulatory, tax, and market conditions, you may want to consider taking your RMD sooner than later. The article below discusses ways to take money out of your retirement accounts.
    4 Financially Smart Ways to Take Money Out of Retirement Accounts
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    Uncover 6 Ways to Reduce Your Tax Bill
    Examining your tax return may reveal opportunities to save money hidden between its lines. You may be surprised by what you find.
    Learn More
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    Tax-Efficient Investing: Key Questions Investors Should Ask
    Factoring the impact of taxes into your investment decisions can help you to keep more of your hard-earned money, both now and in the future.
    Learn More
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    Tax-Smart Strategies for Your Retirement
    Smart tax planning can help you save more for retirement and keep more of what you've already saved. Consider these tax-efficient retirement planning strategies.
    Learn More
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    2025 Tax Tables
    Please view the following attachment to find the 2025 federal tax tables.
    2025 Tax Tables
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    2026 Tax Tables
    Please view the following attachment to find the 2026 federal tax tables.
    2026 Tax Tables

WORKPLACE FINANCIAL BENEFITS WITH MORGAN STANLEY AT WORK

Our mission is to help your company elevate your workplace financial benefits—helping you to attract and retain top talent. Our end-to-end solutions support your company and employees at any stage of growth through a powerful combination of modern technology, insightful guidance, and dedicated service.

    Equity Solutions

    Equity ownership is a powerful motivator. Streamline equity management through our leading-edge technology and provide global audit-ready reporting and insights, alongside customizable participant experiences to engage and educate your employees on how to make the most of their benefits. Our global solutions support private and public companies at any stage of growth.

    • Equity Administration and Financial Reporting
    • Liquidity Events
    • 409A Valuation Services and Cap Table Management

    Learn more
    Retirement

    For your employees, retirement is more than a date in the future—it's a milestone that takes time, hard work, and the right tools. Through our consultative process, we strive to assist with the management of your fiduciary responsibilities and risk, simplify plan management, and help you improve retirement readiness for your employees.

    • Defined Contribution Consulting
    • Solutions-Oriented Plans
    • Fiduciary Investment Oversight

    Learn more
    Deferred Compensation

    Access a range of Nonqualified Deferred Compensation plan services or pick the ones that best fit your needs. We provide recordkeeping and plan design, portfolio construction services, and plan education for your executive talent. We help you determine the appropriate plan design and inform a funding strategy through a needs-based assessment and consultative approach.

    Services include:

    • Recordkeeping and Plan Design
    • Portfolio Construction
    • Wealth Management Services
    Learn more
    Executive Services

    Our dedicated team provides concierge-level support for your executives' equity compensation plans, from 10b5-1 trading plans to form filing related to Rule 144 transactions, to access to wealth management and tax-optimization strategies, so helping them navigate their complex financial needs with greater confidence and certainty:

    • Equity Compensation Services
    • Equity Award Analysis
    • Specialized Solutions
    Learn more
    Saving and Giving

    Saving and Giving benefits can make a real difference in your employees' lives as they can support the things that matter most to them—like saving for education and repaying student loans. Show that you are committed to your employees' priorities with leading-edge solutions that help them chart a path toward financial well-being.

    • College Savings
    • Student Loan Repayment and Refinancing
    • Charitable Giving
    Learn more
    Financial Wellness

    We offer Financial Wellness with every solution we provide. Through a powerful combination of education, digital tools and guidance, Financial Wellness is designed to address the unique needs of your employees and empower their financial journey at every stage. Give your employees the confidence to take charge of their finances.

    • Financial Education
    • Digital Tools
    • Financial Guidance

    Learn more

Location

400 Capitol Mall
Suite 1900
Sacramento, CA 95814
US
Direct:
(916) 444-8041(916) 444-8041
Toll-Free:
(800) 626-7019(800) 626-7019
Fax:
(916) 984-3388(916) 984-3388

Meet The Capitol Group

Photo of Katie Beres

Vice President, Wealth Management, Financial Advisor, Portfolio Manager
Phone:
(916) 341-7616(916) 341-7616
Photo of Nimanjit Kaur

Nimanjit Kaur

Registered Client Service Associate
Phone:
(916) 444-8041(916) 444-8041
Photo of Donna E. Goode

Donna E. Goode

Senior Registered Client Service Associate
Phone:
(916) 567-2034(916) 567-2034
Photo of Heather Ringler

Heather Ringler

Client Service Associate
Phone:
916567203916567203

About Mike Little, CPWA®

Mike Little began his career in finance at Morgan Stanley as a financial advisor. He holds the titles of Senior Vice President, Portfolio Management Director, and Financial Planning Specialist. He also holds the Certified Private Wealth Advisor Designation. Mike works with a select clientele of high-net-worth families and individuals to develop a holistic plan that lays out a clear path to your goals – a plan developed in collaboration with you, and one that you can follow with confidence in the face of the markets’ ups and downs. A personalized approach is a key component of Mike’s practice, taking care of his clients as if they were his own family.

Prior to joining Morgan Stanley, Mike earned his Bachelors in Business Administration from Kaplan University. He is a proud United States Marine Corps veteran, having served in Iraq in 2003.

Outside of work, Mike is the Past commander of his local Veterans of Foreign Wars post in Vacaville, a veteran organization that raises money to take care of other veterans, family, and youth in need. He is active in his town’s rotary club as a past president and current board member. Mike is involved in his sons Boy Scout Troop, been on the School Site Council, volunteers to help veterans in his community, helps with Vacaville’s Hometown Hero’s Banner program, and is an active voice in his neighborhood and community. Mike is also a current board member of the Vacaville Police Foundation.

Family is very important to Mike. He has a wife of 19 years as well as three sons and one daughter. In his free time, Mike enjoys fishing, hunting, woodworking, and golf. He also enjoys collecting whiskey.
Securities Agent: OH, SD, TX, RI, ID, HI, MT, GA, DC, CA, AZ, TN, NV, NM, NC, IL, PA, NH, MA, VA, NY, AL, CO, WV, VT, MD, KS, UT, NJ, ME, FL, WA, SC, OR, OK, AR, MI; General Securities Representative; Investment Advisor Representative
NMLS#: 1312693
CA Insurance License #: 0I44830

About Katie Beres

Securities Agent: UT, NC, KS, CA, WV, SC, IL, VA, RI, GA, OH, NV, CO, AZ, TN, PA, NY, MT, VT, HI, AL, OK, MD, FL, DC, MA, WA, TX, OR, NH, ME, ID, MI, SD; General Securities Representative; Investment Advisor Representative
NMLS#: 1278783
CA Insurance License #: 0811506

About Thomas R. Goode

Securities Agent: AL, WA, NH, HI, AZ, VA, TN, MT, SD, RI, OK, NV, ME, FL, UT, PA, OH, SC, NM, NC, DE, DC, ID, VT, KS, GA, WV, TX, OR, NY, MI, CA, MD, IN, IL, CO, MA; BM/Supervisor; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 1268456

About Thomas J Goode

Securities Agent: MT, CO, OK, TX, KS, GA, FL, CA, VT, HI, DC, AR, TN, RI, PA, OR, ME, MA, AL, UT, AZ, WV, SC, NC, MD, VA, NH, ID, IL, WA, OH, NY, NV, SD; General Securities Representative; Investment Advisor Representative
NMLS#: 1407638
CA Insurance License #: 0I21179
Wealth Management
Global Investment Office

Portfolio Insights

Read More about On the Markets
Read "On the Markets"
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Equity Compensation

Helping you make the most of your equity awards and better understand how it may fit into your your larger financial picture – today and tomorrow.

  • Vesting events
  • Option expirations
  • Restricted stock units
  • Tax implications

Business Planning

Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
  • Succession Planning
  • Business Planning
  • Qualified Retirement Plans
Learn More about Business Planning
Financial Planning for Life After Selling a Business
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Financial Planning for Life After Selling a Business

Selling your business can mean big changes for your life, both personally and financially. Know how to make the most of your windfall.

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
Learn More about Family
529 Plans: A Powerful Tool to Save for Education
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529 Plans: A Powerful Tool to Save for Education

Though education costs continue to climb, starting to save and invest early can make a difference.

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
Learn More about Retirement
A Simple Six-Step Retirement Checkup
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A Simple Six-Step Retirement Checkup

Checking in on your retirement plan may make a lot of sense, especially when market volatility arises.

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.
Learn More about Financial Wellness
The Business Case for a Financially Resilient Workforce
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The Business Case for a Financially Resilient Workforce

In the face of turbulent markets, the word “resilience” may be top of mind. Broadly speaking, resilience is the ability to “bounce back” when encountering life’s inevitable challenges.
Ready to start a conversation? Contact The Capitol Group today.
Market Information Delayed 20 Minutes
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States. Morgan Stanley Wealth Management is a business of Morgan Stanley Smith Barney LLC.

For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.

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2Morgan 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.

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3Morgan 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.

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4Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.

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5Morgan 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

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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.

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7Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.

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8Morgan 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.

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9Morgan 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.

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10Products and services are provided by third party service providers, not Morgan Stanley Smith Barney LLC (“Morgan Stanley”). Morgan Stanley may not receive a referral fee or have any input concerning such products or services. There may be additional service providers for comparative purposes. Please perform a thorough due diligence and make your own independent decision.
Morgan 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, charitable giving, philanthropic planning and other legal matters.

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11Investing in the market entails the risk of market volatility. The value of all types of investments may increase or decrease over varying time periods. The returns on a portfolio consisting primarily of sustainable or impact investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because sustainability and impact criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Diversification does not guarantee a profit or protect against loss in a declining financial market.

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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 Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.

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 | Morgan Stanley
CRC 4665150 (8/2025)