The Coastal Front Group at Morgan Stanley

Michael was born in Los Angeles and attended Harvard School and UCLA. He is married and lives in Los Angeles, where he has been a lifelong resident. Michael’s career in the securities industry began in 1963 and has continued for over 50 years. Michel is a Senior Vice President and Financial Advisor with Morgan Stanley Wealth Management and manages over $500 million* in assets for high net worth individuals. Over the course of his long-standing career, Michael has demonstrated knowledge across a broad range of wealth management areas, including traditional and alternative investments, investment and asset allocation, and hedging and monetization. Michael is driven by helping families identify and address their unique financial needs to achieve their short and long-term financial ambitions. Michael is an active member of the Los Angeles Country Club and The Valley Club in Montecito, California. His hobbies include reading, golf and enjoying time with family and friends.

*As of June 2021

Professional Details:

• Fully Licensed Investment Professional for More Than 45 Years
• Implements Wealth Management Strategies for Clients by Concentrating on Portfolio Management
• Experienced in Equity Research, Portfolio Hedging Strategies and New Business Planning Development
• Series 7, 63 & 66 Licensed

Chad lives in Palos Verdes Estates with his wife, Annie, and two children, Vincent and Lucas. Chad has over 15 years of experience in the securities industry, starting his career at Second Southern Corp., a multi-corporate venture capital and real estate organization. While at Second Southern Corp., he assisted in evaluating investment opportunities in public securities, real estate, oil and gas. Chad was later hired by UBS Financial Services in 2003 and is co-founder of a multidisciplinary investment management team, RJC Group, now doing business as The Coastal Front Group. He is an equal partner, adding a focus on portfolio management and asset allocation. The Coastal Front Group left UBS Financial Services in 2009 to join Morgan Stanley Smith Barney where they reside today. Chad recently was titled with Senior Portfolio Management Director which represents the top level of achievement and investment knowledge respected throughout the industry. Chad is apart of the Business Owners Executive Council at Morgan Stanley, a distinction granted to top producers focusing on business owners at the firm. Chad is driven by helping families and individuals reach new levels of success through a personalized approach to portfolio management and financial planning. In Chad’s spare time, he enjoys being heavily active in his kid’s sports activities, serving as Lucas’ Baseball and Soccer coach for many years and managing Vincent’s Tennis tournaments across Southern California. Chad currently sits on the Palos Verdes Little League Board of Directors, Malaga Cove Homeowners Association Board of Directors, PVE Foundation Board of Directors and Southern California Tennis Associations Investment Committee. Chad has served in numerous capacities across his community having recently been President of the Palos Verdes Tennis Club and serving as advisor to several Autism outreach groups. Chad graduated from the University of San Diego with a double major in Economics and Environmental Studies. During his time at USD, Chad was a member of the Omicron Delta Epsilon Economics Honor Society and served as President of the Omicron Delta Epsilon Economics Club.

Professional Details:
• Licensed Investment Professional for over 15 Years
• Works with Clients to Determine Appropriate Asset Allocation and Portfolio Structure
• Experienced in Equity, Fixed Income and Hedge Fund Strategies
• Series 7, 31 & 63 Licensed
• Insurance Licensed
• Life, Health & Annuity Insurance Licensed

Bobby lives in Pacific Palisades with his wife and their beloved dog Kiki. In their spare time, they enjoy being active by hiking, golfing, and playing volleyball at the beach. Bobby holds a bachelor’s degree in Business Administration from the University of Pepperdine. He began his career in the securities industry at Bateman Eichler Hill Richards, an Investment Bank based out of Downtown Los Angeles. During his time at Bateman Eichler Hill Richards, Bobby served as a broker and relationship manager. Bobby later went to work at Paine Weber & Co., which was acquired by UBS Financial Services in 2000. While at UBS, Bobby co-founded a multidisciplinary investment management team, formerly RJC Group, now doing business as The Coastal Front Group. He is an equal partner, adding a focus on relationships, client development, and fixed income. The RJC Group, left UBS Financial Services in 2009 to join Morgan Stanley Smith Barney where they reside today. Bobby is dedicated to providing prudent financial advice and the highest levels of customer service to the clients and families that he works with. In his over 40 years of experience, Bobby has come to find and cherish that many of his business relationships have originated from friendships made across many states and countries.

Professional Details:
• Licensed Investment Professional for Over 40 Years
• Bobby Prides Himself on Understanding Goals, Values and Estate Issues of Clients as well as the Portfolio Management of Taxable Fixed Income
• Series 7 & 63 Licensed
• Insurance Licensed
• Life, Health & Annuity Insurance Licensed

Sandra lives in San Diego with her husband Clint, and their fur child, Otto. Sandra graduated from San Diego State University with a major in Business Administration with an emphasis in Finance. During her time at SDSU she served as a two term VP of Finance for the Alpha Phi Sorority. Sandra comes to the financial services industry with a prior background in taxation, where she worked at a tax accounting firm producing complex tax returns for individuals and business owners. As a strong believer in continuing education and cutting-edge knowledge, she has added to her skillset over her decade at the firm by acquiring an Executive Financial Planning Certificate from San Diego State University, has become a Portfolio Manager, Financial Planning Specialist, Workplace Advisor – Equity Compensation Specialist, and is a long-time CERTIFIED FINANCIAL PLANNER™. When not working you can find her at the beach, on a camping trip, or out and about with her fur son, Otto. Currently the newlyweds are renovating their forever home in San Diego. Sandra has served in numerous roles as a coach and advisor for her collegiate sorority at SDSU and continues to serve as the HOA President for her beach condo complex.

Professional Details:
• Licensed Investment Professional since 2012
• CERTIFIED FINANCIAL PLANNER™
• Portfolio Manager
• Workplace Advisor – Equity Compensation
• Financial Planning Specialist
• Life, Health & Annuity Insurance Licensed
• NMLS 1290595

Clayton joined The Coastal Front Group in 2021 and works closely with Chad MacAllister and Carmen Delgado. He is a Pepperdine alumnus and holds a degree in Political Science with an emphasis on International Relations. During his last two years at Pepperdine, he worked in residential real estate which led him to pursue a career in commercial real estate before joining Morgan Stanley. Clayton has an affinity for fostering and maintaining lasting relationships, old and new. At an early age, Clayton demonstrated leadership skills when he earned his Eagle Scout ranking before the age of 17. When he is not working, he enjoys golfing, beach volleyball, skiing and reading. In addition, Clayton strives to consistently demonstrate grit, diligence, and tenacity in his professional career.

Professional details:
• Series 7, 66, & SIE Licensed
• NMLS: 2380607

Growing up in Los Angeles, Carmen lives in Santa Clarita with her husband, Noel, and twins, Roman and Olivia. Outside of the office, Carmen enjoys spending time and entertaining family and friends. Drawing on nearly 16 years of industry experience, Carmen is committed to providing every client with the highest level of personal service, she focuses on exceeding client expectations. Carmen strives to ensure a stress-free experience for clients by creating streamlined processes and leading a coordinated effort amongst the team. Carmen provides support to the team by maintaining and strengthening strong client relationships. As the administrative leader for the team, she is responsible for a broad array of client services, including the handling of estate issues, retitling assets, executes trades for transactional clients, and helps to prepare the Quarterly Performance Reports. She maintains her Series 7, 66 and 31 securities licenses.

Professional details:
• 16 Years of Industry Experience
• Series 7, 66, & 31 Licensed

Alice has worked in various capacities in the Financial Services industry with more than 35 year experience.
She received her BA in French Literature from UCLA and holds series 7, 63 and 64 securities registrations.
She enjoys dance and continues to take ballet classes. Alice is married and enjoys spending time with family.