Our Story and Services

About Us
At the Earle Group, we believe success in achieving important financial goals starts with a comprehensive wealth strategy. We will help you define what is most important to you and then formulate the strategies that are appropriate for your needs, whether you are accumulating wealth or investing for income, solidifying your retirement plan or devising a distribution approach that helps meet your lifestyle and legacy goals.

Behavioral Investing
We have have studied the phenomenon of Behavioral Investing and applied it to our wealth management practice. One of the most important things we do for our clients is to provide a logical, systematic response to changing conditions – we provide a guiding hand during the regular market volatility that is almost certain to occur during any long-range investment cycle.

Emotions are part of being human, and we all respond to them. However, we work with our clients to be sure that they don't make investment decisions, or any other financial choice, based on emotions rather than logic.

Services Include
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*

Comprehensive Financial Planning

Regardless of what stage your life is in - moving ahead in your career, enjoying retirement, or somewhere in between - at the Earle Group, we can help you achieve your financial goals.
    Icon Image
    2024 Tax Tables
    View 2024 tax rate schedule, education and health savings account limits, retirement contribution and deduction limits, among other information.
    Access the 2024 federal tax tables
    Icon Image
    Insurance
    We take an extremely close look at your financial profile to decipher what type(s) of insurance most fit your needs, and determine if your current insurance policies are best suited for you and your goals.
    Icon Image
    Estate Planning Strategies
    Regardless of your current financial circumstances, it is crucial to have a backup plan for your money. We regularly review your finances with you and coordinate with your estate attorney to help ensure that your wishes are met in the most efficient and cost-effective way possible.
    Icon Image
    Manage Debt
    We thoroughly review your mortgage, car loans, credit cards, and any other debts that you may have in order to help determine where you can save on interest and create a timeline for your debt payments by prioritizing which ones should be paid off first.
    Icon Image
    Retirement
    Leading up to and through retirement, Cornerstone Capital helps you identify the most appropriate ways to obtain the income you need and help ensure that you are on track to achieve for financial goals.
    Icon Image
    Managing Investments
    We take care of your retirement accounts and other investments based on your comfort level with risk and your current tax circumstances, tailoring your financial strategy to your unique situation, needs, and goals.

A Smarter Approach to Charitable Giving

Morgan Stanley Global Impact Funding Trust (MS GIFT) strives to engage donors across the entire spectrum of wealth, ensuring their philanthropic aspirations and objectives will be achieved.
    Icon Image
    What are Donor Advised Funds?
    A DAF is a charitable giving vehicle administered by a sponsoring organization such as MS GIFT, a 501(c)(3) public charity. DAFs are structured as 501(c)(3) organizations created with the intent of managing charitable donations on behalf of individuals, families and organizations.

    Donor advised funds simplify charitable giving and Morgan Stanley clients have access to a DAF through MS GIFT, which is an independent section 501(c)(3) organization.
    Click here to learn more
    Icon Image
    What type of assets can be contributed?
    Donors may make irrevocable and nonrefundable gifts of cash, marketable securities, freely transferable restricted stock and exercised options.

    Other non-liquid “complex” assets such as real estate, closely-held business interests, life insurance, artwork, and other collectibles may be accepted at the discretion of the MS GIFT’s Board of Directors.
    Click here to learn more
    Icon Image
    Investment Programs
    There are two investment programs available to MS GIFT Donors: Select UMA and Portfolio Management (PM).

    1) The Select UMA Program is a unified management Account program in which MSSB acts as an investment advisor.

    2) The PM program creates customized investment strategies for high-net-worth individuals and institutional clients.
    Click here to learn more
    Icon Image
    Get Started with MS Gift today
    Before opening an MS GIFT Branch Access Account, the Donor and FA must review the following forms.

    1) Donor Contribution Agreement Form
    2) Donor Circular & Disclosures
    3) Donor Advised Fund Policy

    For more information, click the link below.
    Click here to learn more

Morgan Stanley At Work

Tab Image
At Work Solutions
Innovative workplace offerings for companies and employees which include Shareworks by Morgan Stanley, our global equity plan management solution, Financial Wellness and Retirement solutions.
Learn more about our work solutions
Corporate Retirement Solutions
Comprehensive solutions to effectively maximize and customize retirement benefits, so managers can help employees make the most out of retirement.
Learn more about our corporate retirement solutions
Financial Wellness
At the Earle Group, we understand that when employees thrive, companies thrive. We are proud to offer a customizable solution for organizations to empower their employees by making their finances a source of wellness – and not a source of stress.
Learn more about financial wellness solutions

MODERN WEALTH MANAGEMENT TOOLS AND RESOURCES

    Icon Image
    Morgan Stanley Online
    Access your finances and invest in an instant with the help of this handy resource that is available 24/7.
    Learn more about Morgan Stanley Online
    Icon Image
    Total Wealth View
    Complete your financial profile with Total Wealth View. By linking your external account information, you will benefit from more educated and holistic wealth planning, and convenient connectivity.
    Learn more about Total Wealth View
    Icon Image
    MS Reserved
    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 MS Reserved
    Icon Image
    Thoughts on the Market
    With perspectives on the forces shaping the market, join Morgan Stanley's Chief Investment Officer and Chief US Equity Strategist as he and his colleagues discuss their viewpoints regarding the latest trends in the financial marketplace.
    Check our the latest episode

Location

1020 10th Street
2nd Floor
Modesto, CA 95354
US
Direct:
(209) 576-2108(209) 576-2108
Toll-Free:
(800) 752-3215(800) 752-3215
Fax:
(209) 898-0594(209) 898-0594

Meet The Earle Group

About David Earle

David O. Earle is a seasoned Senior Vice President and Wealth Advisor, bringing over 50 years of investment experience to the table, with nearly four decades dedicated to financial advisory services. With a background rooted in coaching and assisting others, inherited from his family's legacy of founding a swim and tennis club in Modesto, David understands the significance of patience and discipline in investment strategies. He advocates for a philosophy centered on owning quality businesses with a history of dividend payouts and growth, emphasizing the importance of enduring commitment. "You just have to learn and understand to take a long term view."

Beyond his professional endeavors, David cherishes time spent with his wife of 40 years, Jill, and their two sons and their families. His interests span from serving as a referee for High School Water Polo to indulging in outdoor activities like golfing, fly fishing, and occasional pickleball matches. He also finds joy in exploring the open road, traveling across the U.S. in his motorhome with Jill.
Securities Agent: NC, NE, NJ, NV, NY, OK, OR, PA, SD, TN, TX, UT, VA, WA, WY, AL, AZ, CA, CO, FL, HI, ID, IL, LA, MI, MN, MO; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 1288301
CA Insurance License #: 0A63850

About Jeffrey Earle

Jeff Earle is a seasoned First Vice President and Financial Advisor with over two decades of experience in the financial services industry. Jeff's passion lies in cultivating enduring relationships with his clients, guiding them through the complexities of financial planning, and helping them achieve their long-term financial aspirations. His background in customer service, stemming from his family's ownership of a swim and tennis club, instilled in him the importance of building strong connections and delivering personalized care to those he serves. Driven by a desire to create meaningful impact in his clients' lives while maintaining a balanced lifestyle, Jeff built his practice around the principles of simplicity and trustworthiness. His approach revolves around organizing finances into three distinct buckets tailored to clients' short-term needs, medium-term goals, and long-term investments.

Outside of the office, Jeff's commitment to coaching, community service, and family shines through. With a loving wife of 25 years and two accomplished children, he finds joy in coaching sports teams, volunteering for causes close to his heart, and pursuing outdoor hobbies like golfing, waterfowl hunting, and fly fishing. He has always wanted to be a great dad first and foremost and feels fortunate that building his own business has allowed him to do that.
Securities Agent: WY, AK, AL, AZ, CA, FL, HI, ID, IL, MO, NE, NV, OR, TX, UT, WA; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1278707
CA Insurance License #: OB58128

About Keri Van Dyke

Keri Van Dyke brings over three decades of invaluable experience in financial services to her role as a Portfolio Associate. She graduated from CSU Stanislaus with a degree in business administration and is Series 7 and 66 licensed. Keri is dedicated to providing swift and effective assistance to clients, priding herself on her ability to streamline processes. Beyond the office, Keri finds joy in outdoor activities and spending quality time with her husband of 28 years and their two daughters, who are both teachers.

The Power of Partnerships

By partnering with experienced individuals across wealth disciplines, Morgan Stanley Financial Advisors can align specialized resources with your custom needs and deliver strategic guidance through the familiarity and trust of existing relationships

About Brandon Pinarreta

Brandon is a Planning Associate at Morgan Stanley providing dedicated financial planning support to Advisors and their teams. Operating as an extension of the FA/Team, he collaborates with clients to discover and define goals that matter most to them. Leveraging state of the art technology, he will evaluate various alternatives and their potential outcomes to help clients confidently choose the appropriate course of action. Brandon provides expertise across a wide suite of Morgan Stanley planning tools designed to assist in the areas of investment accumulation, retirement, education, major purchase, cash flow, risk management, tax efficiency, and wealth transfer planning.

He earned his undergraduate degree from The University of Scranton and [received the Financial Planning Specialist® designation from the College for Financial Planning. Brandon is originally from Massachusetts and currently resides in New York, New York.
Wealth Management
Global Investment Office

Portfolio Insights

Retirement

Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
  • 401(k) Rollovers
  • IRA Plans
  • Retirement income strategies
  • Retirement plan participants
  • Annuities
4 Financially Smart Ways to Take Money Out of Retirement Accounts
Article Image

4 Financially Smart Ways to Take Money Out of Retirement Accounts

Discover how planning for required minimum distributions from retirement accounts can help you fund future needs and support loved ones.

Investing

Working closely with you to guide your wealth and investments through the most challenging market cycles.
  • Asset Management
  • Wealth Planning
  • Traditional Investments
  • Alternative Investments
  • Impact Investing
2025 Global Economic Outlook: U.S. Policies May Temper Global Growth
Article Image

2025 Global Economic Outlook: U.S. Policies May Temper Global Growth

Global growth is likely to be around 3% in 2025 and 2026, as tariff and immigration policies begin to slow the U.S. economy late next year, and China's underperformance restrains emerging markets.

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
Taking Control of Your Finances After Death of a Spouse
Article Image

Taking Control of Your Finances After Death of a Spouse

Financial planning after a divorce or death can be trying, but with the right approach and the right advice you can turn a difficult situation into empowerment.

Business Planning

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

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.

Philanthropy

Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
  • Endowments
  • Foundations
  • Donor Advised Funds
  • Impact Investing
Donor Advised Funds: A Smart Way to Manage Your Giving 
Article Image

Donor Advised Funds: A Smart Way to Manage Your Giving 

There’s more to charitable giving than you may realize. Here’s one method that may be a tax-efficient way to give and can help maximize your impact.
Ready to start a conversation? Contact The Earle Group today.
1Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.

Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY

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

Back to top



2When 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.

Back to top



3When 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 always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.

Back to top



4Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.

Back to top



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)