Phone:
(650) 926-7667(650) 926-7667
The Daniels Group at Morgan Stanley
Our Mission Statement
We simplify the complexities of equity compensation and help our clients make good financial decisions so they can achieve their life goals.
The Daniels Group - Perspective, Advice and Service
We are financial advisors. Our team's nine advisors manage over 5.97 billion dollars* of our clients' assets and have a tenure of 4 to 42 years with Morgan Stanley. We provide tax efficient investment management, perspective on the markets, and advice on life's many financial decisions. We build long, collaborative advisory relationships with our clients and their families. We have served as the financial advisor and managed assets for some families for over 40 years.
We are a thought partner. Many of our clients are the first in their family to achieve significant wealth. They worked hard to build their wealth and to provide a better life for their family. As their wealth grows and financial circumstances become more complex, they appreciate Morgan Stanley's resources and our team's advice and perspective.
While our client base is diverse, our location on Sand Hill Road in the heart of Silicon Valley, has led to our experience in advising technology professionals and understanding of equity compensation including RSUs, PSUs, and stock options.
For clients with equity compensation, we can design, implement, and manage 10b5-1 plans to sell their company stock over time. We are well-versed in 10b5-1 plans, company trading windows, and the trade reporting requirements for officers.
We are committed to building, preserving, and managing the wealth of our clients. We listen to their concerns, vision of the future, and work hard to help them achieve their goals.
We can help you develop a financial plan that outlines a roadmap and destination and provides a framework to track your progress. We welcome the opportunity to discuss your goals.
We provide service in English and Mandarin.
* $5.97 billion as of 12/31/2024
Our team ranked #63 in 2024 Barron's Top 250 Private Wealth Management Teams
Source: Barron's (Awarded May 2024). Data compiled by Barron's based on time period from Jan 2023-Dec 2023. https://mgstn.ly/3WD0yje
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
WORKING TOGETHER
Advice
We are a thought partner. We provide perspective and advice on life's many financial decisions.
Financial Plan
We can create a financial plan that projects the probabilities of success for different retirement ages and income. We can model different levels of equity compensation, returns, rates of inflation, savings, and spending levels. We can identify actions to start today to help you accomplish your retirement goals. The plan provides a roadmap for action and a framework to measure and monitor your progress.
Asset Allocation and Investments
Once we determine your financial goals and timelines, we can select an asset allocation and the investment approach for your various financial asset "buckets". Each bucket has its own investment goal, such as a portfolio to build interest and dividend income to replace your work income when you retire.
Track Progress and Adjust
We will connect on a regular basis and track your progress. We will adjust as life evolves, priorities shift, the markets and tax laws change.
Tax-Efficient Investing
Morgan Stanley offers tax-efficient managed stock and bond portfolios with active tax-loss harvesting, tax free municipal bonds, exchange funds for low basis stock, and charitable giving Donor Advised Funds. We can coordinate with your CPA and estate planner to provide a tax efficient investment plan.
Estate and Legacy Planning Strategies
We can connect you with estate planning specialists who can help you create a thoughtful tax efficient estate plan. An estate plan outlines how to title your assets and distribute your assets during and after your life. You identify beneficiaries in an estate plan and specify whether to transfer assets to them with or without restrictions. It's good to review your estate plan periodically and after life changes such as a marriage, divorce, or a family birth. Often people plan on how to build assets for their retirement but spend little time on how to distribute their assets upon their death.
Morgan Stanley's Resources and Expertise
Morgan Stanley's resources gives us the means to support your goals at every stage of life. While we offer solutions for complex situations, we understand simplicity has value. We are committed to building, preserving, and managing our clients' wealth.
Your Equity Compensation
Our team has helped officers and key employees manage and sell their equity compensation for over 35 years. We help officers and employees fold their equity compensation into a comprehensive financial plan. We design, implement, and manage 10b5-1 plans and are well versed in the Rule 144 and Form 4 officer reporting requirements. Our team partners with our affiliates at Shareworks and E*TRADE to provide companies and their employees a tailored equity compensation service.
Diversification Strategies for Public Company Executives
This report covers diversification strategies for investors with a large position in a single stock including 10b5-1 plans, exchange funds for low basis stock, Granter Retained Annuity Trust (GRAT), Donor Advised Funds and charitable gifts of stock.
Diversification Strategies for Public Company Executives
10b5-1 Trading Plans
10b5-1 plans allow officers and insiders to establish a trading plan that will schedule and automatically sell their company stock in the future. We help clients design and implement a time and/or price based 10b5-1 trading plan. As our clients sell their equity compensation, we help them check financial goals complete such as buying a house, covering children’s college education, and building a diversified investment portfolio.
10b5-1 Trading Plans: What To Know
Understanding Your RSU Equity Awards
Restricted Stock Units (RSU & PSUs) are compensation that is delivered in shares of company stock, not cash, if time and/or performance measures and vesting requirements, are met. This video reviews the life cycle of your RSU award.
What is an RSU
How are RSUs Taxed?
This video outlines the taxation of RSUs. Discuss your equity compensation with your CPA.
Learn how RSU’s are taxed
Understanding Your Stock Options
This white paper covers features and provisions of employee stock options.
Stock Options 101
What is a Stock Option 101
This video explains how stock options work and your exercise alternatives.
Watch Here
What to Expect When You're Expecting to Go Public
This guide discusses tax planning strategies for equity compensation prior to an IPO such as 83(b) elections, early exercise, share gifts, (GRATs), and legacy planning.
What to Expect When You're Expecting to Go PublicThe Daniels Group at Morgan Stanley
Steven Daniels - Managing Director, Financial Advisor
Phone: (650) 926-7667
Email: steven.daniels@morganstanley.com
I grew up in Corvallis Oregon and graduated from Oregon State University with a degree in Finance. I had two terrific professors, in economics and finance, who sparked my interest in the financial markets. I paid for my college education by working during the summer breaks in Alaska on two commercial salmon fishing boats. Working long hours in Alaska helped me appreciate the value of discipline, teamwork, and hard work.
After college I traveled across the United States and Europe, taking me from San Francisco to Boston and Marrakesh to Helsinki where I met my future wife. My travels ended on Sand Hill Road in Menlo Park CA in 1983. Silicon Valley was young, vibrant and had an exciting new energy. Our Menlo Park branch manager hired me when I arrived with not much more than a backpack and a desire to work in finance.
Over forty years later, I am a Managing Director, and work in that same office. Our team manages $5.97 billion of our clients' assets.* We are financial advisors and a thought partner. We provide financial planning, perspective on the markets, and advice on investments. We work with many technology professionals who receive a large part of their compensation in equity. We believe a goals-based investment approach increases investors' financial confidence, which can improve long term returns.
*($5.97B as of 12/31/2024)
Michael Curts - Senior Vice President, Financial Advisor, Senior Portfolio Manager
Phone: (650) 926-7178
Email: Michael.Curts@morganstanley.com
As a native of Indiana, I developed an appreciation of Midwestern values and hard work. In 2006, I moved to California and started my career in the financial services industry as a Client Service Associate at Smith Barney which is now Morgan Stanley by merger. My passion for becoming a financial advisor and assisting clients began in the Great Recession in 2008. In this period of extreme market volatility, I learned to appreciate the value of proactive investment solutions based on sound diversification strategies.
In 2008, guided by the values I learned growing up and with a diligent focus on preserving my clients' hard-earned wealth, I carefully advised each client through the difficult financial and emotional roller coaster they personally experienced.
Today, I focus on diversified investment strategies for hard-working corporate executives and clients focused on retirement planning. I hold Financial Planning Specialist and Senior Portfolio Manager designations from Morgan Stanley. Whether a client is looking for advice on 10b5-1 trading plans, executive compensation, investment style allocation, or the selection and evaluation of investment opportunities, I initially focus on learning what the client values.
Elizabeth Dong, CFA, CFP® - Vice President, Financial Advisor, International Client Advisor
Phone: (650) 926-7189
Email: Elizabeth.Dong@morganstanley.com
We help many successful executives manage their global employee stock plan benefits, set up 10b5-1 stock trading plans for corporate officers and insiders, implement strategies for concentrated equity positions, and establish estate planning strategies for their families.
I help clients understand the risks and complexities of managing cross border investments both in the US and Asia. I speak fluent Mandarin and I value clear and effective communication. I help my clients better manage their global wealth.
I started my investment career in 2006. Before joining Morgan Stanley in 2013, I was a member of a team that managed $20 billion in assets at a large investment management company. I earned my MBA in Finance from Miami University and received a Graduate Certificate in Management Science and Engineering from Stanford University. I currently hold the Chartered Financial Analyst™ (CFA®) and CERTIFIED FINANCIAL PLANNER™ (CFP®) designations.
Charlie A Ramos - First Vice President, Financial Advisor, Alternative Investments Director
Phone: (650) 926-7105
Email: Charlie.Ramos@morganstanley.com
For as long as I can remember, I have been fascinated by economics and the finance industry. In high school, I was a messenger in the mail room of a financial firm on Wall Street. During college, I transitioned from delivering stock certificates, and other client packages in New York City to statistical analysis for another Wall Street firm. I continued in financial services by working in compliance and then transitioned to a financial advisor with Morgan Stanley in Menlo Park, California.
I earned a Bachelor of Science in Economics and a minor in Business Law at St. Peters University, where I serve on the Board of Regents and Investment Committee. At Morgan Stanley, I help foster the firm's values as a member of the Pacific Coast Region's Diversity, Equity, and Inclusion Council.
As financial advisors, we work directly with our clients on executive and equity compensation planning, goal setting and financial planning. I look forward to the opportunity to talk with you.
Tim Davis - Senior Vice President, Financial Advisor, Executive Financial Services Director
Phone: (415) 949-6120
Email: Tim.B.Davis@morganstanley.com
As a Senior Vice President and Executive Financial Services Director my focus is connecting clients to a wide range of Morgan Stanley's institutional and wealth management services. I help my clients get organized, diversify, and on the right track to achieve their goals.
I help company executives, such as CFOs, Controllers, Treasurers, Stock Plan Administrators, HR professionals and Total Rewards employees and their respective teams, navigate the complex issues of executive compensation. I also present equity compensation seminars to large groups of employees which helps them better navigate their path to financial security. While we offer solutions for complex situations, we understand simplicity has value.
I began my career in 1998, after receiving my Bachelor of Science degree in International Management from Cal Poly, San Luis Obispo. For the next decade, I worked in finance and sales of Corporate Stock Benefit Plans at UBS, E*TRADE and Citigroup while earning my MBA. I joined Morgan Stanley in 2011 as a Corporate Client Group Director, delivering wealth management solutions to executives and entrepreneurs with large single stock positions. We integrate our clients' equity compensation into a comprehensive, goal-based, wealth management plan.
Outside of work, my wife and I are happily consumed with the activities of our three kids. I enjoy coaching their baseball teams, skiing and deep-sea fishing.
Parker Bauman - Financial Advisor
Phone: (650) 926-7221
Email: Parker.Bauman@morganstanley.com
Every journey we undertake has a beginning and destination. To reach your destination a path must be clearly identified and then followed.
My journey to join Morgan Stanley as a Financial Advisor and Financial Planning Specialist in the Silicon Valley reflects this principle. After graduating from high school, I enlisted in the United States Marine Corps, where I learned the importance of setting a clear goal to reach a destination. Following my service, I earned a Bachelor of Arts in Psychology and minor in Business Law from the University of Nevada, Las Vegas.
During the 2008 financial crisis, I served as a bankruptcy and restructuring professional for individual and corporate debtors. Assisting clients through this period of financial turmoil reinforced the critical importance of establishing well-defined goals. This experience led me to understand the success of a financial journey is determined by the quality of the advice, guidance, and plan.
Whether you seek guidance on managing your executive compensation, investment portfolio, lending and cash management, or estate, trust, and legacy planning; the first step is articulating your current position and financial goals. Your journey and destination are unique to you and your family. Let's get started on a financial plan that we can monitor and measure your progress.
Jessica Marguet - Financial Advisor, Financial Planning Specialist
Phone: (650) 926-7231
Email: Jessie.Marguet@morganstanley.com
Having grown up in the finance industry, I have seen the world of financial advice evolve through many economic cycles, and shifts in technology, and theory. After graduating summa cum laude from UC Santa Barbara with a Bachelor of Arts in Political Science and minor in Business Communications, I returned to Silicon Valley to join the Daniels Group and help clients build a secure financial future.
We focus on long-term tax-efficient investing and emphasize diversification. We are holistic Financial Advisors, so whether you are interested in retirement planning, college funding, estate planning, insurance, gifts to charity, or selling stock in an employee compensation plan we have the resources to cover your financial needs. With Morgan Stanley's access to some of the world's most seasoned and respected investment professionals, a premier trading platform and spectrum of investment choices, together, we can create and monitor a dynamic plan that will evolve and adjust at each stage of your life.
Jim Marguet - Senior Vice President, Financial Advisor
Phone: (650) 926-7654
Email: J.Marguet@morganstanley.com
Since joining Morgan Stanley's Sand Hill Road office in 1983, in the heart of Silicon Valley, I have dedicated 42 years to providing careful financial advice to individuals, families, and corporate executives.
I have witnessed many market cycles from difficult recessions to unprecedented booms and have guided clients through these times by providing market insights, investment perspectives, and financial advice. With a long-term investment approach, I tailor each investment portfolio to align with our clients' specific philosophy and needs.
Whether you want to diversify your equity compensation stock awards, focus on wealth accumulation, improve your portfolio's tax-efficiency, measure and reduce your portfolio risk, give to charity, or more, I welcome the opportunity to help you identify and achieve your goals.
Xiuying Jin - Financial Advisor, International Client Advisor
Phone: (650) 926-7137
Email: Xiuying.Jin@morganstanley.com
I graduated with a Master's degree at Jilin University and got a Master's degree and finished my PhD coursework in econometrics and statistics at Oregon State University. Prior to joining Morgan Stanley, I worked for Central Bank of China in Beijing, at a world leading technical and engineering consulting firm in Shanghai, and the Federal Reserve Bank in San Francisco. I also taught Economics at Menlo College as an Adjunct Professor.
Working together with my clients' tax advisors and attorneys, I help my clients construct a personalized financial plan and develop tax efficient strategies for their investments and overall portfolio. As an International Financial Advisor, I advise international clients living in mainland China, Hong Kong, Taiwan, New Zealand, Australia, Canada, UK, Ireland, BVI, and the Cayman Islands. I have extensive experience providing holistic crossborder wealth management solutions for high-net-worth individuals and families.
I am confident that I can help develop an investment strategy which properly weighs your financial goals, timeline, and views towards risk.
Jackson Thoreson - Financial Advisor
Phone: (650) 926-7206
Email: Jackson.thoreson@morganstanley.com
Joining Morgan Stanley Wealth Management in June 2024 as a Financial Advisor, Jackson is focused on serving the wealth management needs for individuals and families, entrepreneurs, coaches and athletes, and executives and employees of private and public companies. Jackson and his partners advise across many areas of wealth management including financial and estate planning, asset allocation, lending, and investment management strategies.
Jackson puts a premium on understanding the individual needs and challenges of his clients, asking deeper questions, and taking a customized approach to address those concerns. Time-horizon, risk tolerance, lifestyle, and long-term goals lay the foundation for a wealth management process that can adapt to different market conditions.
Jackson began his career in the financial services industry in 2019 after a previous career in professional sports. Knowing the challenges of being in transition, he shares that experience through helping with important life events such as retirement, relocation, and job changes.
Jackson was raised in San Jose, CA, where he attended Bellarmine College Preparatory. Jackson graduated from Saint Mary's College of California with an Economics Bachelor's Degree.
Jackson and his wife Paige have a Cavalier King Charles named Clarke and live in San Jose.
Roy King - First Vice President, Business Development Director
Phone: (650) 926-7689
Email: Roy.U.King.II@morganstanley.com
Roy King joined Morgan Stanley in January of 2000, at the Y2K peak and right before the "Dot Com" bust. Those two events provided Roy with perspective around setting long term goals and not letting present day "chaos" drive emotional decisions.
For almost 25 years, Roy has enjoyed helping Daniels Group clients navigate their corporate equity compensation and financial future. Roy wears many hats with The Daniels Group but primarily focuses on B2B business development, managing Corporate Equity Stock Plan relationships, and 10b5-1 Plan administration. Although Roy's primary role is overseeing our team's equity compensation and 10b5-1 plan operations, he also helps our wealth management clients develop a goals-based financial plan while monitoring their long-term progress.
Roy has a background in Radio Broadcasting and Commercial Construction but prefers to spend his days on his Bass Boat fishing local Lakes and the Sacramento-San Joaquin Delta. He grew up in Petaluma, CA but has lived in the East Bay, CA for the past 3 decades along with his two sons and his dog - Broc.
Jia He - Business Development Associate
Phone: (650) 926-7682
Email: Jia.He@morganstanley.com
Jia joined Morgan Stanly in 2014 as a Client Relationship Associate. She currently manages all aspects of client interactions for the three senior advisors of the Daniels Group, including client onboarding, cash management, and 10b5-1 trade reporting, in addition to individual client specific services.
After graduating from UC Davis with a dual degree in International Economics and Classical Music, she began her career in finance as an Associate Financial Advisor and Team Marketing Director, at Merrill Lynch. Prior to joining the financial industry, she worked on multinational public relations projects such as Governor Schwarzenegger's China Trade Mission and Economic Regeneration ventures in liaison with The Prince's Trust in London, UK.
She holds Series 7 and 66 licenses and lives in San Jose with her husband Colin and son Liam. She enjoys swimming, piano performing, and organizing music concerts for her son's preschool in her spare time.
Nicole Fuentes - Assistant Vice President, Director of Business Strategy
Phone: (650) 926-7666
Email: Nicole.Fuentes@morganstanley.com
Nicole Fuentes joined Morgan Stanley in October 2000. She holds a Series 7, 66, 9 and 10 license. Prior to joining the Daniels Group, she worked with another Private Wealth team for approximately 15 years, and she was a Business Service Manager on our Silicon Valley Complex management team.
Nicole lives in Roseville, CA and is originally from San Francisco. Nicole has two grown children and two granddaughters. She is an avid 49ers, Giants and Warriors fan. She is an animal lover and has two dogs, Cha Cha and Frida. She loves cooking, reading, dancing, and spending time at home with her friends and family.
Aaron Valadez - Registered Client Service Associate
Phone: (650) 926-7156
Email: Aaron.Valadez@morganstanley.com
Aaron joined Morgan Stanley in 2022. He holds a Bachelor of Science Degree in Business Administration with a concentration in Finance from Cal Poly, San Luis Obispo. During his time at Cal Poly, Aaron was a part of the Financial Management Association which orchestrated networking events with professionals from the industry. He is excited to join Morgan Stanley and the team and work in finance and investments. Aaron focuses on all aspects of customer service for our clients.
Outside of work, he enjoys swimming, playing guitar, and working out.
Our team ranked #63 in 2024 Barron's Top 250 Private Wealth Management Teams
Source: Barron's (Awarded May 2024). Data compiled by Barron's based on time period from Jan 2023-Dec 2023. https://mgstn.ly/3WD0yje
Resources and Research
Morgan Stanley Online
Morgan Stanley Online allows you to seamlessly and securely manage your investments and everyday finances in one place.
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Global Investment Committee - On The Markets Report
Our detailed views on the economy, US and global equities, fixed income, and monetary policy.
On The Markets - Publication
Digital Vault
Digital Vault lets you easily and securely manage and share important documents such as account statements, authorizations, tax filings and other relevant documents with your Financial Advisor.
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Morgan Stanley Ideas
Insights on personal finance, market trends, sustainability, technology, and disruption.
Read the latest articles
2025 Federal Tax Tables
This helpful document provides the 2025 tax rate schedule, standard deductions and personal exemption, gift and estate tax exclusions, retirement contribution and deduction limits, etc.
View the 2025 Tax Tables
Thoughts on the Market Podcast
Our perspectives and thoughts on long term macro economic and financial trends.
Click here to listen
10b5-1 Plans
10b5-1 plans allow officers and insiders with equity compensation to establish a trading plan that will schedule and automatically sell their company stock in the future.
Demystifying 10b5-1 Plans
Past Stock Market Returns and Volatility
Historical data on stock market returns and volatility plus insights on investing early and staying the course.
Click here to View our Market Perspectives
Spending & Budgeting Tool
Within Morgan Stanley Online you can link and view your non-Morgan Stanley accounts plus analyze your assets, allocation, and cash flow in one location.
More information here
US Government Policy and the Markets
Morgan Stanley's views on US government policy actions that could occur under the new administration and their possible impact on the economy and financial markets.
US Policy Pulse
Your Assets are Safeguarded at Morgan Stanley
As a Morgan Stanley client, you rely on us to help you reach your financial goals and aspirations. You also entrust us with your confidential information and assets. We take our data security responsibilities seriously.
Click here to view How your Assets are being Safeguarded
Donor Advised Funds (DAF)
A tax-efficient way to donate low cost basis stock and maintain control over the amounts and timing of your charitable contributions.
MS Gift
Estate and Legacy Planning
An estate plan outlines how to title your assets and distribute your assets during and after your life. You identify beneficiaries in an estate plan and specify whether to transfer assets to them with or without restrictions. It's good to review your estate plan periodically and after life changes such as a marriage, divorce or a family birth. We can connect you with estate planning specialists who can help you create a thoughtful tax efficient estate plan.
Why You May Need a Trust
Qualified Small Business Stock (QSBS)
White paper on QSBS benefits and estate planning strategies.
Qualified Small Business Stock (QSBS)
Morgan Stanley's Resources and Expertise
Morgan Stanley has the resources to support your financial needs at every stage of life. While we offer solutions for complex situations, we understand simplicity has value. We are committed to building, preserving, and managing the wealth of our clients.
Morgan Stanley Firm Capabilities BrochureLocation
2775 Sand Hill Road
Suite 120
Menlo Park, CA 94025
US
Direct:
(650) 926-7667(650) 926-7667
Toll-Free:
(800) 585-7109(800) 585-7109
Meet The Daniels Group
Phone:
(650) 926-7654(650) 926-7654
Phone:
(650) 926-7137(650) 926-7137
First Vice President, Wealth Management, International Client Advisor, Alternative Investments Director, Chartered Financial Analyst, CERTIFIED FINANCIAL PLANNER®
Phone:
(650) 926-7189(650) 926-7189
First Vice President, Wealth Management, Financial Advisor, Alternative Investments Director, Workplace Advisor - Equity Compensation
Phone:
(650) 926-7105(650) 926-7105
Senior Vice President, Wealth Management, Financial Advisor, Senior Portfolio Manager, Financial Planning Specialist
Phone:
(650) 926-7178(650) 926-7178
Financial Advisor, Workplace Advisor - Equity Compensation, Financial Planning Specialist
Phone:
(415) 971-0584(415) 971-0584
Senior Vice President, Wealth Management, Financial Advisor, Executive Financial Services Director
Phone:
(650) 926-7208(650) 926-7208
Roy King
First Vice President, Business Development Director
Phone:
(650) 926-7689(650) 926-7689
Jia He
Business Development Associate
Phone:
(650) 926-7682(650) 926-7682
Aaron Valadez
Registered Client Service Associate
Phone:
(650) 926-7156(650) 926-7156
Nicole Fuentes
Assistant Vice President, Director of Business Strategy
Phone:
(650) 926-7666(650) 926-7666
About Steven Daniels
I grew up in Corvallis Oregon and graduated from Oregon State University with a degree in Finance. I had two terrific professors, in economics and finance, who sparked my interest in the financial markets. I paid for my college education by working during the summer breaks in Alaska on two commercial salmon fishing boats. Working long hours in Alaska helped me appreciate the value of discipline, teamwork, and hard work.
After college I traveled across the United States and Europe, taking me from San Francisco to Boston and Marrakesh to Helsinki where I met my future wife. My travels ended on Sand Hill Road in Menlo Park CA in 1983. Silicon Valley was young, vibrant and had an exciting new energy. Our Menlo Park branch manager hired me when I arrived with not much more than a backpack and a desire to work in finance.
Over forty years later, I am a Managing Director, and work in that same office. Our team manages $5.97 billion of our clients' assets.* We are financial advisors and a thought partner. We provide financial planning, perspective on the markets, and advice on investments. We work with many technology professionals who receive a large part of their compensation in equity. We believe a goals-based investment approach increases investors' financial confidence, which can improve long term returns.
*($5.97B as of 12/31/2024)
Community Service
My wife and I have provided over 100 needs-based scholarships for Oregon State University students who are the first in their family to go to college.
After college I traveled across the United States and Europe, taking me from San Francisco to Boston and Marrakesh to Helsinki where I met my future wife. My travels ended on Sand Hill Road in Menlo Park CA in 1983. Silicon Valley was young, vibrant and had an exciting new energy. Our Menlo Park branch manager hired me when I arrived with not much more than a backpack and a desire to work in finance.
Over forty years later, I am a Managing Director, and work in that same office. Our team manages $5.97 billion of our clients' assets.* We are financial advisors and a thought partner. We provide financial planning, perspective on the markets, and advice on investments. We work with many technology professionals who receive a large part of their compensation in equity. We believe a goals-based investment approach increases investors' financial confidence, which can improve long term returns.
*($5.97B as of 12/31/2024)
Community Service
My wife and I have provided over 100 needs-based scholarships for Oregon State University students who are the first in their family to go to college.
Securities Agent: AK, AR, NJ, MT, ME, MD, ID, DE, WA, SC, WI, PR, NM, MO, WV, TN, OR, AZ, AL, ND, MS, IA, GA, CA, NE, NC, MN, LA, DC, WY, VT, SD, RI, PA, OK, MA, KY, FL, VA, UT, KS, VI, OH, NY, MI, CT, TX, NV, NH, IL, HI, CO, IN; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 1262136
NMLS#: 1262136
About James M Marguet
Since joining Morgan Stanley's Sand Hill Road office in 1983, in the heart of Silicon Valley, I have dedicated 42 years to providing careful financial advice to individuals, families, and corporate executives.
I have witnessed many market cycles from difficult recessions to unprecedented booms and have guided clients through these times by providing market insights, investment perspectives, and financial advice. With a long-term investment approach, I tailor each investment portfolio to align with our clients’ specific values and needs.
Whether you want to diversify your equity compensation stock awards, focus on wealth accumulation, improve your portfolio's tax-efficiency, measure and reduce your portfolio risk, give to charity, or more, I welcome the opportunity to help you identify and achieve your goals.
I have witnessed many market cycles from difficult recessions to unprecedented booms and have guided clients through these times by providing market insights, investment perspectives, and financial advice. With a long-term investment approach, I tailor each investment portfolio to align with our clients’ specific values and needs.
Whether you want to diversify your equity compensation stock awards, focus on wealth accumulation, improve your portfolio's tax-efficiency, measure and reduce your portfolio risk, give to charity, or more, I welcome the opportunity to help you identify and achieve your goals.
Securities Agent: MI, MD, WA, OR, MN, CO, AZ, SC, NV, MS, ME, AR, AL, UT, TX, TN, OH, NY, IA, HI, FL, OK, NE, MA, GA, DE, CA, ID, DC, AK, WI, VT, NC, SD, RI, MO, LA, CT, VA, NM, KS, IN, PA, NJ, KY, IL, VI, PR, NH, MT; General Securities Representative; Investment Advisor Representative
NMLS#: 1383238
NMLS#: 1383238
About Xiuying Jin
I graduated with a Master's degree at Jilin University and got a Master's degree and finished my PhD coursework in econometrics and statistics at Oregon State University. Prior to joining Morgan Stanley, I worked for Central Bank of China in Beijing, at a world leading technical and engineering consulting firm in Shanghai, and the Federal Reserve Bank in San Francisco. I also taught Economics at Menlo College as an Adjunct Professor.
Working together with my clients' tax advisors and attorneys, I help my clients construct a personalized financial plan and develop tax efficient strategies for their investments and overall portfolio. As an International Financial Advisor, I advise international clients living in mainland China, Hong Kong, Taiwan, New Zealand, Australia, Canada, UK, Ireland, BVI, and the Cayman Islands. I have extensive experience providing holistic crossborder wealth management solutions for high-net-worth individuals and families.
I am confident that I can help develop an investment strategy which properly weighs your financial goals, timeline, and views towards risk. I look forward to meeting with you and your family.
Working together with my clients' tax advisors and attorneys, I help my clients construct a personalized financial plan and develop tax efficient strategies for their investments and overall portfolio. As an International Financial Advisor, I advise international clients living in mainland China, Hong Kong, Taiwan, New Zealand, Australia, Canada, UK, Ireland, BVI, and the Cayman Islands. I have extensive experience providing holistic crossborder wealth management solutions for high-net-worth individuals and families.
I am confident that I can help develop an investment strategy which properly weighs your financial goals, timeline, and views towards risk. I look forward to meeting with you and your family.
Securities Agent: MI, GA, DC, CO, NV, MO, CA, VA, VI, DE, PR, OR, OK, NJ, NH, AK, LA, HI, AZ, TX, MN, OH, IN, VT, NM, MD, MA, WI, TN, PA, NY, ME, ID, CT, WA, UT, IL, FL, AL, NC, MT, IA; General Securities Representative; Investment Advisor Representative
NMLS#: 1811720
NMLS#: 1811720
About Elizabeth Dong
We help many successful executives manage their global employee stock plan benefits, set up 10b5-1 stock trading plans for corporate officers and insiders, implement strategies for concentrated equity positions, and establish estate planning strategies for their families.
I help clients understand the risks and complexities of managing cross border investments both in the US and Asia. I speak fluent Mandarin and I value clear and effective communication. I help my clients better manage their global wealth.
I started my investment career in 2006. Before joining Morgan Stanley in 2013, I was a member of a team that managed $20 billion in assets at a large investment management company. I earned my MBA in Finance from Miami University and received a Graduate Certificate in Management Science and Engineering from Stanford University. I currently hold the Chartered Financial Analyst™ (CFA®) and CERTIFIED FINANCIAL PLANNER™ (CFP®) designations.
I help clients understand the risks and complexities of managing cross border investments both in the US and Asia. I speak fluent Mandarin and I value clear and effective communication. I help my clients better manage their global wealth.
I started my investment career in 2006. Before joining Morgan Stanley in 2013, I was a member of a team that managed $20 billion in assets at a large investment management company. I earned my MBA in Finance from Miami University and received a Graduate Certificate in Management Science and Engineering from Stanford University. I currently hold the Chartered Financial Analyst™ (CFA®) and CERTIFIED FINANCIAL PLANNER™ (CFP®) designations.
Securities Agent: MN, OH, MA, CT, ID, FL, NH, ME, IA, HI, DE, DC, NY, MI, IN, CO, AZ, UT, WA, NM, NJ, AK, VA, NC, GA, WI, VI, TX, OR, MD, IL, MT, CA, AL, PA, OK, NV; General Securities Representative; Investment Advisor Representative
NMLS#: 1370990
CA Insurance License #: 0I73230
NMLS#: 1370990
CA Insurance License #: 0I73230
About Charlie A Ramos
For as long as I can remember, I have been fascinated by economics and the finance industry. In high school, I was a messenger in the mail room of a financial firm on Wall Street. During college, I transitioned from delivering stock certificates, and other client packages in New York City to statistical analysis for another Wall Street firm. I continued in financial services by working in compliance and then transitioned to a financial advisor with Morgan Stanley in Menlo Park, California.
I earned a Bachelor of Science in Economics and a minor in Business Law at St. Peters University, where I serve on the Board of Regents and Investment Committee. At Morgan Stanley, I help foster the firm's values as a member of the Pacific Coast Region's Diversity, Equity, and Inclusion Council.
As financial advisors, we work directly with our clients on executive and equity compensation planning, goal setting and financial planning. I look forward to the opportunity to talk with you.
I earned a Bachelor of Science in Economics and a minor in Business Law at St. Peters University, where I serve on the Board of Regents and Investment Committee. At Morgan Stanley, I help foster the firm's values as a member of the Pacific Coast Region's Diversity, Equity, and Inclusion Council.
As financial advisors, we work directly with our clients on executive and equity compensation planning, goal setting and financial planning. I look forward to the opportunity to talk with you.
Securities Agent: MN, MD, DC, AZ, MT, CO, VA, NE, ME, OR, NY, NM, MA, PA, NH, GA, IA, ID, CA, NC, IN, HI, DE, VI, FL, CT, MI, IL, AL, AK, WI, WA, UT, OK, TX, OH, NV, NJ; BM/Supervisor; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 1278793
NMLS#: 1278793
About Michael Curts
As a native of Indiana, I developed an appreciation of Midwestern values and hard work. In 2006, I moved to California and started my career in the financial services industry as a Client Service Associate at Smith Barney which is now Morgan Stanley by merger. My passion for becoming a financial advisor and assisting clients began in the Great Recession in 2008. In this period of extreme market volatility, I learned to appreciate the value of proactive investment solutions based on sound diversification strategies.
In 2008, guided by the values I learned growing up and with a diligent focus on preserving my clients’ hard-earned wealth, I carefully advised each client through the difficult financial and emotional roller coaster they personally experienced.
Today, I focus on diversified investment strategies for hard-working corporate executives and clients focused on retirement planning. I hold Financial Planning Specialist and Senior Portfolio Manager designations from Morgan Stanley. Whether a client is looking for advice on 10b5-1 trading plans, executive compensation, investment style allocation, or the selection and evaluation of investment opportunities, I initially focus on learning what the client values.
In 2008, guided by the values I learned growing up and with a diligent focus on preserving my clients’ hard-earned wealth, I carefully advised each client through the difficult financial and emotional roller coaster they personally experienced.
Today, I focus on diversified investment strategies for hard-working corporate executives and clients focused on retirement planning. I hold Financial Planning Specialist and Senior Portfolio Manager designations from Morgan Stanley. Whether a client is looking for advice on 10b5-1 trading plans, executive compensation, investment style allocation, or the selection and evaluation of investment opportunities, I initially focus on learning what the client values.
Securities Agent: PR, PA, NV, CA, AR, WI, WA, UT, IN, CT, VI, VA, MT, MA, AL, NH, FL, AK, NY, NC, CO, IA, OK, HI, DC, TX, OR, OH, NM, NE, MN, ID, TN, MD, MI, DE, NJ, ME, IL, GA, AZ, VT; General Securities Representative; Investment Advisor Representative
NMLS#: 1297786
CA Insurance License #: 0I22504
NMLS#: 1297786
CA Insurance License #: 0I22504
About Parker Bauman
Every journey we undertake has a beginning and destination. To reach your destination a path must be clearly identified and then followed.
My journey to join Morgan Stanley as a Financial Advisor and Financial Planning Specialist in the Silicon Valley reflects this principle. After graduating from high school, I enlisted in the United States Marine Corps, where I learned the importance of setting a clear goal to reach a destination. Following my service, I earned a Bachelor of Arts in Psychology and minor in Business Law from the University of Nevada, Las Vegas.
During the 2008 financial crisis, I served as a bankruptcy and restructuring professional for individual and corporate debtors. Assisting clients through this period of financial turmoil reinforced the critical importance of establishing well-defined goals. This experience led me to understand the success of a financial journey is determined by the quality of the advice, guidance, and plan.
Whether you seek guidance on managing your executive compensation, investment portfolio, lending and cash management, or estate, trust, and legacy planning; the first step is articulating your current position and financial goals. Your journey and destination are unique to you and your family. Let’s get started on a financial plan that we can monitor and measure your progress.
My journey to join Morgan Stanley as a Financial Advisor and Financial Planning Specialist in the Silicon Valley reflects this principle. After graduating from high school, I enlisted in the United States Marine Corps, where I learned the importance of setting a clear goal to reach a destination. Following my service, I earned a Bachelor of Arts in Psychology and minor in Business Law from the University of Nevada, Las Vegas.
During the 2008 financial crisis, I served as a bankruptcy and restructuring professional for individual and corporate debtors. Assisting clients through this period of financial turmoil reinforced the critical importance of establishing well-defined goals. This experience led me to understand the success of a financial journey is determined by the quality of the advice, guidance, and plan.
Whether you seek guidance on managing your executive compensation, investment portfolio, lending and cash management, or estate, trust, and legacy planning; the first step is articulating your current position and financial goals. Your journey and destination are unique to you and your family. Let’s get started on a financial plan that we can monitor and measure your progress.
Securities Agent: VT, WY, ND, NM, OK, TX, WV, WI, WA, VI, VA, UT, TN, SD, SC, RI, PR, PA, OR, OH, NY, NV, NJ, NH, NE, NC, MT, MS, MO, MN, MI, ME, MD, MA, LA, KY, IN, IL, ID, HI, GA, FL, DE, DC, CT, CO, CA, AZ, AR, AL, AK, KS, IA; General Securities Representative; Investment Advisor Representative
NMLS#: 1935337
CA Insurance License #: 0M33779
NMLS#: 1935337
CA Insurance License #: 0M33779
About Jessica Marguet
Having grown up in the finance industry, I have seen the world of financial advice evolve through many economic cycles, and shifts in technology, and theory. After graduating summa cum laude from UC Santa Barbara with a Bachelor of Arts in Political Science and minor in Business Communications, I returned to Silicon Valley to join the Daniels Group and help clients build a secure financial future.
We focus on long-term tax-efficient investing and emphasize diversification. We are holistic Financial Advisors, so whether you are interested in retirement planning, college funding, estate planning, insurance, gifts to charity, or selling stock in an employee compensation plan we have the resources to cover your financial needs. With Morgan Stanley's access to some of the world's most seasoned and respected investment professionals, a premier trading platform and spectrum of investment choices, together, we can create and monitor a dynamic plan that will evolve and adjust at each stage of your life.
We focus on long-term tax-efficient investing and emphasize diversification. We are holistic Financial Advisors, so whether you are interested in retirement planning, college funding, estate planning, insurance, gifts to charity, or selling stock in an employee compensation plan we have the resources to cover your financial needs. With Morgan Stanley's access to some of the world's most seasoned and respected investment professionals, a premier trading platform and spectrum of investment choices, together, we can create and monitor a dynamic plan that will evolve and adjust at each stage of your life.
Securities Agent: DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, PR, RI, SC, WY, WV, VI, MS, WI, WA, VT, VA, UT, TX, TN, SD, AK, AL, AR, AZ, CA, CO, CT; General Securities Representative; Investment Advisor Representative
NMLS#: 2187150
NMLS#: 2187150
About Tim Davis
As a Senior Vice President and Executive Financial Services Director my focus is connecting clients to a wide range of Morgan Stanley's institutional and wealth management services. I help my clients get organized, diversify, and on the right track to achieve their goals.
I help company executives, such as CFOs, Controllers, Treasurers, Stock Plan Administrators, HR professionals and Total Rewards employees and their respective teams, navigate the complex issues of executive compensation. I also present equity compensation seminars to large groups of employees which helps them better navigate their path to financial security. While we offer solutions for complex situations, we understand simplicity has value.
I began my career in 1998, after receiving my Bachelor of Science degree in International Management from Cal Poly, San Luis Obispo. For the next decade, I worked in finance and sales of Corporate Stock Benefit Plans at UBS, E*TRADE and Citigroup while earning my MBA. I joined Morgan Stanley in 2011 as a Corporate Client Group Director, delivering wealth management solutions to executives and entrepreneurs with large single stock positions. We integrate our clients' equity compensation into a comprehensive, goal-based, wealth management plan.
Outside of work, my wife and I are happily consumed with the activities of our three kids. I enjoy coaching their baseball teams, skiing and deep-sea fishing.
I help company executives, such as CFOs, Controllers, Treasurers, Stock Plan Administrators, HR professionals and Total Rewards employees and their respective teams, navigate the complex issues of executive compensation. I also present equity compensation seminars to large groups of employees which helps them better navigate their path to financial security. While we offer solutions for complex situations, we understand simplicity has value.
I began my career in 1998, after receiving my Bachelor of Science degree in International Management from Cal Poly, San Luis Obispo. For the next decade, I worked in finance and sales of Corporate Stock Benefit Plans at UBS, E*TRADE and Citigroup while earning my MBA. I joined Morgan Stanley in 2011 as a Corporate Client Group Director, delivering wealth management solutions to executives and entrepreneurs with large single stock positions. We integrate our clients' equity compensation into a comprehensive, goal-based, wealth management plan.
Outside of work, my wife and I are happily consumed with the activities of our three kids. I enjoy coaching their baseball teams, skiing and deep-sea fishing.
Securities Agent: TN, WI, CT, PR, NY, IL, DE, MN, KY, OH, NM, NJ, NH, GA, CO, UT, OR, OK, MT, MI, MA, ID, IA, PA, NE, NC, MO, IN, HI, DC, CA, AZ, AL, WY, TX, SC, AK, VI, VA, ND, WA, NV, ME, MD, LA, FL, AR, VT; General Securities Representative; Investment Advisor Representative
NMLS#: 1275666
NMLS#: 1275666
About Jackson Thoreson
Joining Morgan Stanley Wealth Management in June 2024 as a Financial Advisor, Jackson is focused on serving the wealth management needs for individuals and families, entrepreneurs, coaches and athletes, and executives and employees of private and public companies. Jackson and his partners advise across many areas of wealth management including financial and estate planning, asset allocation, lending, and investment management strategies.
Jackson puts a premium on understanding the individual needs and challenges of his clients, asking deeper questions, and taking a customized approach to address those concerns. Time-horizon, risk tolerance, lifestyle, and long-term goals lay the foundation for a wealth management process that can adapt to different market conditions.
Jackson began his career in the financial services industry in 2019 after a previous career in professional sports. Knowing the challenges of being in transition, he shares that experience through helping with important life events such as retirement, relocation, and job changes.
Jackson was raised in San Jose, CA, where he attended Bellarmine College Preparatory. Jackson graduated from Saint Mary’ College of California with a Bachelor’s Degree in Economics.
Jackson remains passionate about sports and fitness and is a current board member of The First Tee of Silicon Valley. Additionally, he remains active and involved with the Bellarmine Alumni Council.
Jackson and his wife Paige have a Cavalier King Charles named Clarke and live in San Jose.
Jackson puts a premium on understanding the individual needs and challenges of his clients, asking deeper questions, and taking a customized approach to address those concerns. Time-horizon, risk tolerance, lifestyle, and long-term goals lay the foundation for a wealth management process that can adapt to different market conditions.
Jackson began his career in the financial services industry in 2019 after a previous career in professional sports. Knowing the challenges of being in transition, he shares that experience through helping with important life events such as retirement, relocation, and job changes.
Jackson was raised in San Jose, CA, where he attended Bellarmine College Preparatory. Jackson graduated from Saint Mary’ College of California with a Bachelor’s Degree in Economics.
Jackson remains passionate about sports and fitness and is a current board member of The First Tee of Silicon Valley. Additionally, he remains active and involved with the Bellarmine Alumni Council.
Jackson and his wife Paige have a Cavalier King Charles named Clarke and live in San Jose.
Securities Agent: DE, GA, PR, WI, TN, NE, MS, MN, CA, NM, LA, KY, IL, IA, DC, OR, ME, AL, UT, TX, ND, IN, AZ, OH, NC, MI, MA, HI, CO, AK, WA, VI, PA, NY, MT, MO, MD, FL, VA, ID, CT, AR, WY, WV, OK, NV, NJ, NH; General Securities Representative; Investment Advisor Representative
NMLS#: 1904966
NMLS#: 1904966
About Roy King
Roy King joined Morgan Stanley and the Daniels Group in January of 2000, at the Y2K peak and right before the "Dot Com" bust. Those two events gave Roy perspective on the value of setting long term goals and not letting present day "chaos" drive emotional decisions.
Roy wears many hats with The Daniels Group but primarily focuses on B2B business development, managing Corporate Equity Stock Plan relationships, and 10b5-1 Plan administration. Although Roy's primary role is overseeing our team's equity compensation and 10b5-1 plan operations, he also enjoys helping our wealth management clients develop a goals-based financial plan while monitoring their long-term progress.
Roy has a background in Radio Broadcasting and Commercial Construction but prefers to spend his days on his Bass Boat fishing local Lakes and the Sacramento-San Joaquin Delta. He grew up in Petaluma, CA but has lived in the East Bay, CA for the past 3 decades along with his two sons and his dog - Broc.
Roy wears many hats with The Daniels Group but primarily focuses on B2B business development, managing Corporate Equity Stock Plan relationships, and 10b5-1 Plan administration. Although Roy's primary role is overseeing our team's equity compensation and 10b5-1 plan operations, he also enjoys helping our wealth management clients develop a goals-based financial plan while monitoring their long-term progress.
Roy has a background in Radio Broadcasting and Commercial Construction but prefers to spend his days on his Bass Boat fishing local Lakes and the Sacramento-San Joaquin Delta. He grew up in Petaluma, CA but has lived in the East Bay, CA for the past 3 decades along with his two sons and his dog - Broc.
About Jia He
Jia joined Morgan Stanly in 2014 as a Client Relationship Associate. She currently manages all aspects of client interactions for the three senior advisors of the Daniels Group, including client onboarding, cash management, and 10b5-1 trade reporting, in addition to individual client specific services.
After graduating from UC Davis with a dual degree in International Economics and Classical Music, she began her career in finance as an Associate Financial Advisor and Team Marketing Director, at Merrill Lynch. Prior to joining the financial industry, she worked on multinational public relations projects such as Governor Schwarzenegger’s China Trade Mission and Economic Regeneration ventures in liaison with The Prince’s Trust in London, UK.
She holds Series 7 and 66 licenses and lives in San Jose with her husband Colin and son Liam. She enjoys swimming, piano performing, and organizing music concerts for her son’s preschool in her spare time.
After graduating from UC Davis with a dual degree in International Economics and Classical Music, she began her career in finance as an Associate Financial Advisor and Team Marketing Director, at Merrill Lynch. Prior to joining the financial industry, she worked on multinational public relations projects such as Governor Schwarzenegger’s China Trade Mission and Economic Regeneration ventures in liaison with The Prince’s Trust in London, UK.
She holds Series 7 and 66 licenses and lives in San Jose with her husband Colin and son Liam. She enjoys swimming, piano performing, and organizing music concerts for her son’s preschool in her spare time.
About Aaron Valadez
Aaron joined Morgan Stanley in 2022. He holds a Bachelor of Science Degree in Business Administration with a concentration in Finance from Cal Poly, San Luis Obispo. During his time at Cal Poly, Aaron was a part of the Financial Management Association which orchestrated networking events with professionals from the industry. He is excited to join Morgan Stanley and the team and work in finance and investments. Aaron focuses on all aspects of customer service for our clients.
Outside of work, he enjoys swimming, playing guitar, and working out.
Outside of work, he enjoys swimming, playing guitar, and working out.
About Nicole Fuentes
Nicole Fuentes joined Morgan Stanley in October 2000. She holds a Series 7, 66, 9 and 10 license. Prior to joining the Daniels Group, she worked with another Private Wealth team for approximately 15 years, and she was a Business Service Manager on our Silicon Valley Complex management team.
Nicole lives in Roseville, CA and is originally from San Francisco. Nicole has two grown children and two granddaughters. She is an avid 49ers, Giants and Warriors fan. She is an animal lover and has two dogs, Cha Cha and Frida. She loves cooking, reading, dancing, and spending time at home with her friends and family.
Nicole lives in Roseville, CA and is originally from San Francisco. Nicole has two grown children and two granddaughters. She is an avid 49ers, Giants and Warriors fan. She is an animal lover and has two dogs, Cha Cha and Frida. She loves cooking, reading, dancing, and spending time at home with her friends and family.
Contact Steven Daniels
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Wealth Management
From Our Team
Top 5 Mistakes Investors Make in Volatile Markets
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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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Ready to start a conversation? Contact The Daniels Group today.
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1Morgan 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.
2Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
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 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
5Morgan 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.
6Morgan 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.
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
1Morgan 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.
2Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
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 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
5Morgan 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.
6Morgan 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.
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)
