Peter Ehrman
Senior Vice President, Wealth Advisor, Senior Investment Management Consultant
Phone:
(808) 525-6056(808) 525-6056
The Ehrman Lee Bennett Ching Group at Morgan Stanley
Our Mission Statement
The Ehrman Lee Bennett Ching Group helps families and businesses manage their finances so they may focus on areas of their life that bring them joy, meaning and purpose.
Our Story and Services
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.
Services Include
- Wealth ManagementFootnote1
- Wealth PlanningFootnote2
- Business PlanningFootnote3
- Endowments and FoundationsFootnote4
- Trust AccountsFootnote5
- Trust ServicesFootnote6
- Retirement PlanningFootnote7
- Qualified Retirement PlansFootnote8
- Corporate Pension Plans
- 401(k) Rollovers
- Philanthropic ManagementFootnote9
- Sustainable InvestingFootnote10
- 529 PlansFootnote11
- Alternative InvestmentsFootnote12
- Structured ProductsFootnote13
- UGMA/UTMAFootnote14
- Cash ManagementFootnote15
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
WORKING WITH YOU
At Morgan Stanley, we believe that identifying financial solutions begins with a solid understanding of each client's situation, goals, objectives and risk tolerance. We follow a disciplined process that allows us to work with you to craft a solution that helps meet your individual needs. This process aligns our efforts with your interests, providing a road map focused on what is most important to you.
Step 1: Introductory Meeting
Our relationship begins with an initial discussion aimed towards getting to know you, your lifestyle, and your future goals.
Step 2: Discovery Meeting
During the discovery meeting, we will work together to establish your financial goals by reviewing your current financial situation and developing an appropriate risk tolerance that can help you achieve the financial outcome you envision for yourself.
Step 3: Financial Plan Presentation
Financial plan presentations map out essential factors that play into your financial success such as your employee and employer contributions, liquidity events, and insurance coverage. Examining relevant financial information provides a holistic asset allocation analysis for your accounts helping ensure a comprehensive financial plan.
Step 4: Action Items / Next Steps
After the financial plan presentation, we will follow up with you regarding your analysis and recommendations, which may include adjustments to your financial plan, investment allocation, company benefits and insurance coverage.
Step 5: Implementation Meeting
The implementation meeting focuses on creating prospective strategies custom designed for your specific needs. Recommended changes could include logistics, tax impact, asset allocation adjustments, and saving/benefit modifications.
Step 6: Monitoring & Performance Tracking
Finally, we will be constantly monitoring your assets and analyzing your performance tracking data seeking to ensure your financial expectations are being met and adjusted accordingly. We will keep a high degree of communication with you to make sure your concerns and requests are always addressed.
Client Education & Thought Leadership
Trust & Estate Planning
With you every step of the way. I analyze your tax and estate structures so that their tax characteristics are accurately incorporated in the asset allocation analysis performed for the client.
Trust & Estate Planning
Philanthropic Planning
Your set of Philanthropic objectives is as personal as your vision of a better world. Determining your objectives however, can be challenging when there are so many worthy causes and so many unmet needs.
Philanthropic Focus
Wealth Education
Financial Literacy means being empowered with the knowledge to make smart financial decisions during every stage of life. Discussing family finances is especially important with adult children, no matter their age. It's not always easy, but starting the conversation is a key step in long-term wealth planning.
Financial Literacy
Intergenerational Wealth Planning
Highly-skilled accountants and estate attorneys are vital to constructing sound wealth-transfer plans, but sometimes it is the matters these experts cannot address that pose the greatest challenges.
Challenges in Planning
Investing with Impact
Our Investing with Impact Platform offers a diverse range of funds and other investments designed to advance environmental, economic and social goals — while striving for competitive performance. We make it easy to craft an investment portfolio of any size that is tailored to meet the impact goals of your choice.
Investing with Impact Platform
Safeguarding your Deposits
As a Morgan Stanley client, your Bank Deposit Program deposits are FDIC insured up to applicable limits.
Please find an informative brochure here which will explain all of the protections and outlines the coverage for family accounts and specific scenarios.
Read MorePlease find an informative brochure here which will explain all of the protections and outlines the coverage for family accounts and specific scenarios.
Tax Tables
To view the maximum benefit and contribution limits for 2024, and compare them to previous years, see the link below.
View the Tax TablesModern Wealth Tools
In a world so integrated with technology, having online, comprehensive tools are necessary to stay on top of your finances. With our Modern Wealth Tools you will be able to pay bills, transfer money, handle documents and more with easy to use and secure platforms. Sign up for Morgan Stanley Online and the Morgan Stanley App to access all of Morgan Stanley’s online resources.
Morgan Stanley Online and Mobile App
Be in control of all your finances with Morgan Stanley Online and Morgan Stanley Mobile App. Track your spending, create budgets, deposit checks, and pay bills are just a few things you can do. Take advantage of additional features like current news and market data.
Morgan Stanley Online
Total Wealth View
Keeping track of your finances may be difficult when you have multiple accounts at other financial institutions. Total Wealth View allows you to consolidate them on the Morgan Stanley Mobile App or Morgan Stanley Online to give you a more complete financial picture. This can help your confidence in your finances and planning for the future.
Total Wealth View
Goals Planning System
Have a goal you always wanted to accomplish? Along with your Financial Advisor and our Goals Planning System, you will be able to quantify your goals, get advice on what approach to take, and track your progress. GPS is designed to evolve as your life changes to help you reach your goal, even with varying situations.
Goals Planning System
Thoughts on the Market
With perspectives on the forces shaping the market, join Mike Wilson, Chief Investment Officer and Chief US Equity Strategist for Morgan Stanley, as he and his colleagues discuss a variety of viewpoints regarding the latest trends in the financial marketplace.
Listen here
Global Investment Committee on the Markets
A monthly publication that summarizes the Global Investment Committee’s market outlook and contains thought-provoking essays that examine the forces shaping the investment landscape. Check out this month's edition below.
Read: "GIC on the Markets"
Guide to Tax-Efficient Planning
The tax decisions you make today can help you save for years to come. Consider these smart tax strategies for your financial plan. Utilizing these strategies can help you enjoy more of your nest egg.
Learn more hereLocation
733 Bishop Street
Suite 2800
Honolulu, HI 96813
US
Direct:
(808) 525-6000(808) 525-6000
Fax:
(808) 495-0514(808) 495-0514
To navigate to the parking garage using a GPS, use this address:
710 Alakea Street
Honolulu, HI 96813
US
Meet The Ehrman Lee Bennett Ching Group
Executive Director, Wealth Management, Financial Advisor, Qualified Plan Financial Consultant, Corporate Retirement Director
Phone:
(808) 525-6935(808) 525-6935
James Bennett, CFP®
Executive Director, Wealth Management, Financial Advisor, Senior Portfolio Manager, Investing with Impact Director
Phone:
(808) 525-6015(808) 525-6015
David Ching, CFP®
Executive Director, Financial Advisor, Portfolio Management Director
Phone:
(808) 525-7944(808) 525-7944
Darlene Mikami
Wealth Management Associate
Phone:
(808) 525-6022(808) 525-6022
Naomi Oki
Wealth Management Analyst
Phone:
(808) 525-6928(808) 525-6928
Joosun David Kim
Registered Client Service Associate
Phone:
(808) 525-6926(808) 525-6926
Manuela Gomez
Client Service Associate
Phone:
(808) 953-7492(808) 953-7492
About Peter Ehrman
Peter Ehrman has been with the Honolulu office of Morgan Stanley and its predecessor firms since 1984. During his career Peter has worked both as a Financial Advisor and Branch Manager. He earned the title of First Vice President in 2000 and completed Morgan Stanley’s Wealth Advisor and Investment Management Consultant Programs in 2007. For the past fifteen years Peter has devoted all his time to his duties as a Financial Advisor, using his knowledge and experience to provide customized investment advice to individuals, retirement plans and non-profit organizations.
Peter is a graduate of University of California, Los Angeles with a degree in Economics. While at UCLA, he played on two NCAA Championship Volleyball teams (1979 and 1981) and was a two time NCAA All American. Peter presently serves as a member of the board of directors for The Manoa Valley Theatre and is a past president of the Investment Society of Hawaii.
Peter was born in Honolulu and graduated from Punahou School. He and his wife, Karen, have two children. Their son, Will, is a Senior Director with Cloudmed in San Francisco and their daughter, Brooke, is an Attorney with Greenberg Traurig in Sacramento.
Peter is a graduate of University of California, Los Angeles with a degree in Economics. While at UCLA, he played on two NCAA Championship Volleyball teams (1979 and 1981) and was a two time NCAA All American. Peter presently serves as a member of the board of directors for The Manoa Valley Theatre and is a past president of the Investment Society of Hawaii.
Peter was born in Honolulu and graduated from Punahou School. He and his wife, Karen, have two children. Their son, Will, is a Senior Director with Cloudmed in San Francisco and their daughter, Brooke, is an Attorney with Greenberg Traurig in Sacramento.
Securities Agent: CA, UT, TN, NV, NM, NH, MS, AZ, MA, KY, PA, WA, TX, DE, CO, WI, IL, GA, CT, NY, NJ, MO, MI, OR, OH, NC, HI, AL, FL, VA, MT, ME; BM/Supervisor; General Securities Representative; Investment Advisor Representative
NMLS#: 1332025
NMLS#: 1332025
About Wang Lee
Wang Lee joined Morgan Stanley in 2000. He was born in Hong Kong and moved to Hawaii. He received his Bachelor’s degree in Finance and Marketing from the University of Hawaii at Manoa. Wang provides comprehensive wealth management services to individuals, families, and businesses. He has earned his Qualified Plan Financial Consultant (QPFC) designation from National Association of Plan Advisors and appointed by Morgan Stanley as a Corporate Retirement Director (CRD) who focuses on educating and helping corporate clients manage their retirement plans. The CRD designation has been attained by less than two percent of the over 16,000 Morgan Stanley Financial Advisors as of December 2023. Earning this designation required training and in-depth study of plan design, installation, maintenance, transition and administration of retirement plans.
Wang Lee was named to the Forbes Best-in-State Wealth Advisors list from 2019-2022, recognizing a select group of Financial Advisors who embody professionalism, dedication and exceptional service. Wang was recognized as a FIVE STAR Wealth Manager by Hawaii Business Magazine and Honolulu Magazine from 2012 to 2022 for his outstanding leadership in wealth management practices. Wang was also selected as being one of Hawaii’s Premier Advisors by the National Association of Board Certified Advisory Practices in 2012.
Wang is a member of the Independent Order of Odd Fellows where he volunteers his time and he has been supporting deprived children through the ChildFund International’s child sponsorship program. Wang is fluent in written and spoken Chinese.
2022-2024 Barron's Top 1,200 Financial Advisors: State-by-State (formerly referred to as Barron's Top 1,000 Financial Advisors: State-by-State)
Source: Barrons.com (2022-2024). Barron's Top 1,200 Financial Advisors: State-by-State ranking awarded in 2022-2024. Each ranking was determined based on an evaluation process conducted by Barron's which concluded in September of the previous year the award was issued having commenced in September of the year before that. Neither Morgan Stanley Smith Barney LLC nor its Financial Advisors or Private Wealth Advisors paid a fee to Barron's to obtain or use the ranking. This ranking is based on in-person and telephone due diligence meetings to evaluate each advisor qualitatively, a major component of a ranking algorithm that includes client retention, industry experience, review of compliance records, firm nominations, and quantitative criteria, including assets under management and revenue generated for their firms. Investment performance is not a criterion. Rankings are based on the opinions of Barron's and this ranking may not be representative of any one client’s experience. These rankings are not indicative of the Financial Advisor’s future performance. Morgan Stanley Smith Barney LLC is not affiliated with Barron's. Barron’s is a registered trademark of Dow Jones & Company, L.P. All rights reserved.
©2022 Morgan Stanley Smith Barney LLC. Member SIPC
2019-2024 Forbes Best-In- State Wealth Advisors
Source: Forbes.com ( 2019-2024). Forbes Best-In- State Wealth Advisors ranking awarded in 2019-2024. Each ranking was based on an evaluation process conducted by SHOOK Research LLC (the research company) in partnership with Forbes (the publisher). This evaluation process concluded in June of the previous year the award was issued having commenced in June of the year before that. Neither Morgan Stanley Smith Barney LLC nor its Financial Advisors or Private Wealth Advisors paid a fee to SHOOK Research LLC to obtain or use the ranking. This ranking is based on in-person and telephone due diligence meetings to evaluate each advisor qualitatively, a major component of a ranking algorithm that includes client retention, industry experience, review of compliance records, firm nominations, and quantitative criteria, including assets under management and revenue generated for their firms. Investment performance is not a criterion. Rankings are based on the opinions of SHOOK Research LLC and this ranking may not be representative of any one client’s experience. These rankings are not indicative of the Financial Advisor’s future performance. Morgan Stanley Smith Barney LLC is not affiliated with SHOOK Research LLC or Forbes. For more information, see www.SHOOKresearch.com.
©2022 Morgan Stanley Smith Barney LLC. Member SIPC.
2012-2024 Five Star Wealth Manager Award
Source: fivestarprofessional.com (Awarded 2014-2024). The award was determined based on an evaluation process conducted by Five-Star Professional based on objective criteria. The award was not based on a specific time period.
Wang Lee was named to the Forbes Best-in-State Wealth Advisors list from 2019-2022, recognizing a select group of Financial Advisors who embody professionalism, dedication and exceptional service. Wang was recognized as a FIVE STAR Wealth Manager by Hawaii Business Magazine and Honolulu Magazine from 2012 to 2022 for his outstanding leadership in wealth management practices. Wang was also selected as being one of Hawaii’s Premier Advisors by the National Association of Board Certified Advisory Practices in 2012.
Wang is a member of the Independent Order of Odd Fellows where he volunteers his time and he has been supporting deprived children through the ChildFund International’s child sponsorship program. Wang is fluent in written and spoken Chinese.
2022-2024 Barron's Top 1,200 Financial Advisors: State-by-State (formerly referred to as Barron's Top 1,000 Financial Advisors: State-by-State)
Source: Barrons.com (2022-2024). Barron's Top 1,200 Financial Advisors: State-by-State ranking awarded in 2022-2024. Each ranking was determined based on an evaluation process conducted by Barron's which concluded in September of the previous year the award was issued having commenced in September of the year before that. Neither Morgan Stanley Smith Barney LLC nor its Financial Advisors or Private Wealth Advisors paid a fee to Barron's to obtain or use the ranking. This ranking is based on in-person and telephone due diligence meetings to evaluate each advisor qualitatively, a major component of a ranking algorithm that includes client retention, industry experience, review of compliance records, firm nominations, and quantitative criteria, including assets under management and revenue generated for their firms. Investment performance is not a criterion. Rankings are based on the opinions of Barron's and this ranking may not be representative of any one client’s experience. These rankings are not indicative of the Financial Advisor’s future performance. Morgan Stanley Smith Barney LLC is not affiliated with Barron's. Barron’s is a registered trademark of Dow Jones & Company, L.P. All rights reserved.
©2022 Morgan Stanley Smith Barney LLC. Member SIPC
2019-2024 Forbes Best-In- State Wealth Advisors
Source: Forbes.com ( 2019-2024). Forbes Best-In- State Wealth Advisors ranking awarded in 2019-2024. Each ranking was based on an evaluation process conducted by SHOOK Research LLC (the research company) in partnership with Forbes (the publisher). This evaluation process concluded in June of the previous year the award was issued having commenced in June of the year before that. Neither Morgan Stanley Smith Barney LLC nor its Financial Advisors or Private Wealth Advisors paid a fee to SHOOK Research LLC to obtain or use the ranking. This ranking is based on in-person and telephone due diligence meetings to evaluate each advisor qualitatively, a major component of a ranking algorithm that includes client retention, industry experience, review of compliance records, firm nominations, and quantitative criteria, including assets under management and revenue generated for their firms. Investment performance is not a criterion. Rankings are based on the opinions of SHOOK Research LLC and this ranking may not be representative of any one client’s experience. These rankings are not indicative of the Financial Advisor’s future performance. Morgan Stanley Smith Barney LLC is not affiliated with SHOOK Research LLC or Forbes. For more information, see www.SHOOKresearch.com.
©2022 Morgan Stanley Smith Barney LLC. Member SIPC.
2012-2024 Five Star Wealth Manager Award
Source: fivestarprofessional.com (Awarded 2014-2024). The award was determined based on an evaluation process conducted by Five-Star Professional based on objective criteria. The award was not based on a specific time period.
Securities Agent: UT, PA, VT, OR, NM, MO, ME, GA, TN, MT, MA, KY, AZ, CT, WI, TX, NY, NC, OH, DC, SC, NV, NJ, MS, MI, DE, CO, WA, NH, IL, HI, FL, CA, VA; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1290479
CA Insurance License #: CA Insurance #0F73183
NMLS#: 1290479
CA Insurance License #: CA Insurance #0F73183
About James Bennett
Jimmy was born and raised in Honolulu, Hawaii. He is a graduate of Punahou High School and earned his Bachelor of Arts degree in Economics from Yale University. From 2000 to 2004, Jimmy worked in New York City as a financial analyst for Morgan Stanley’s Private Wealth Management Group, a division of Morgan Stanley that services the ultra-high net worth client with investment assets of $20MM+. In August of 2004, he relocated to Morgan Stanley’s San Francisco Private Wealth Management Group and spent his time working on one of the biggest teams in the division on developing relationships and helping customize portfolios for the team’s clients. Jimmy returned home to Hawaii in January 2008 and joined Morgan Stanley’s Global Wealth Management group.
In his free time, he serves on the board for the Hawaii Cord Blood Bank and the Hawaii Cellular Therapy and Transplant Laboratory. Jimmy is also the past President of the Punahou O-Men and Honolulu Executives Association, was the Head Coach for the Punahou Boys JV basketball team and is an alumni of the 2009 Pacific Century Fellows class.
Jimmy’s professional accomplishments include being selected into Pacific Business News 2010 class of “Forty Under 40” and Hawaii Business Magazine’s 2011 “20 for the next 20”. He was also named a 2016-2020 “Five Star” Wealth Manager in addition to be included in the NABCAP 2011-2016 Premier Advisors list. His most recent accomplishment is being named to the 2018-2021 Forbes Magazine’s list of America’s Best-in-State Wealth Advisors (#3 in 2021) and Barron’s 2018-2021 America’s Top 1,200 Financial Advisors (#3 in 2021).
His wife, Hope Tryon Bennett, is also a graduate of Yale University and completed her J.D. from Stanford Law School. Hope and Jimmy are proud parents of their three children, Micah, Mateo and Felix.
2018-2021 Forbes Best-In-State Wealth Advisors
Source: Forbes.com (2018-2021). Forbes Best-In- State Wealth Advisors ranking awarded in 2018-2021. Each ranking was based on an evaluation process conducted by SHOOK Research LLC (the research company) in partnership with Forbes (the publisher). This evaluation process concluded in June of the previous year the award was issued having commenced in June of the year before that. Neither Morgan Stanley Smith Barney LLC nor its Financial Advisors or Private Wealth Advisors paid a fee to SHOOK Research LLC to obtain or use the ranking. This ranking is based on in-person and telephone due diligence meetings to evaluate each advisor qualitatively, a major component of a ranking algorithm that includes client retention, industry experience, review of compliance records, firm nominations, and quantitative criteria, including assets under management and revenue generated for their firms. Investment performance is not a criterion. Rankings are based on the opinions of SHOOK Research LLC and this ranking may not be representative of any one client’s experience. These rankings are not indicative of the Financial Advisor’s future performance. Morgan Stanley Smith Barney LLC is not affiliated with SHOOK Research LLC or Forbes. For more information, see www.SHOOKresearch.com.
2018-2021 Barron's Top 1,200 Financial Advisors: State-by-State (formerly referred to as Barron's Top 1,000 Financial Advisors: State-by-State)
Source: Barrons.com (2018-2021). Barron's Top 1,200 Financial Advisors: State-by-State ranking awarded in 2018-2021. Each ranking was determined based on an evaluation process conducted by Barron's which concluded in September of the previous year the award was issued having commenced in September of the year before that. Neither Morgan Stanley Smith Barney LLC nor its Financial Advisors or Private Wealth Advisors paid a fee to Barron's to obtain or use the ranking. This ranking is based on in-person and telephone due diligence meetings to evaluate each advisor qualitatively, a major component of a ranking algorithm that includes client retention, industry experience, review of compliance records, firm nominations, and quantitative criteria, including assets under management and revenue generated for their firms. Investment performance is not a criterion. Rankings are based on the opinions of Barron's and this ranking may not be representative of any one client’s experience. These rankings are not indicative of the Financial Advisor’s future performance. Morgan Stanley Smith Barney LLC is not affiliated with Barron's. Barron’s is a registered trademark of Dow Jones & Company, L.P. All rights reserved.
In his free time, he serves on the board for the Hawaii Cord Blood Bank and the Hawaii Cellular Therapy and Transplant Laboratory. Jimmy is also the past President of the Punahou O-Men and Honolulu Executives Association, was the Head Coach for the Punahou Boys JV basketball team and is an alumni of the 2009 Pacific Century Fellows class.
Jimmy’s professional accomplishments include being selected into Pacific Business News 2010 class of “Forty Under 40” and Hawaii Business Magazine’s 2011 “20 for the next 20”. He was also named a 2016-2020 “Five Star” Wealth Manager in addition to be included in the NABCAP 2011-2016 Premier Advisors list. His most recent accomplishment is being named to the 2018-2021 Forbes Magazine’s list of America’s Best-in-State Wealth Advisors (#3 in 2021) and Barron’s 2018-2021 America’s Top 1,200 Financial Advisors (#3 in 2021).
His wife, Hope Tryon Bennett, is also a graduate of Yale University and completed her J.D. from Stanford Law School. Hope and Jimmy are proud parents of their three children, Micah, Mateo and Felix.
2018-2021 Forbes Best-In-State Wealth Advisors
Source: Forbes.com (2018-2021). Forbes Best-In- State Wealth Advisors ranking awarded in 2018-2021. Each ranking was based on an evaluation process conducted by SHOOK Research LLC (the research company) in partnership with Forbes (the publisher). This evaluation process concluded in June of the previous year the award was issued having commenced in June of the year before that. Neither Morgan Stanley Smith Barney LLC nor its Financial Advisors or Private Wealth Advisors paid a fee to SHOOK Research LLC to obtain or use the ranking. This ranking is based on in-person and telephone due diligence meetings to evaluate each advisor qualitatively, a major component of a ranking algorithm that includes client retention, industry experience, review of compliance records, firm nominations, and quantitative criteria, including assets under management and revenue generated for their firms. Investment performance is not a criterion. Rankings are based on the opinions of SHOOK Research LLC and this ranking may not be representative of any one client’s experience. These rankings are not indicative of the Financial Advisor’s future performance. Morgan Stanley Smith Barney LLC is not affiliated with SHOOK Research LLC or Forbes. For more information, see www.SHOOKresearch.com.
2018-2021 Barron's Top 1,200 Financial Advisors: State-by-State (formerly referred to as Barron's Top 1,000 Financial Advisors: State-by-State)
Source: Barrons.com (2018-2021). Barron's Top 1,200 Financial Advisors: State-by-State ranking awarded in 2018-2021. Each ranking was determined based on an evaluation process conducted by Barron's which concluded in September of the previous year the award was issued having commenced in September of the year before that. Neither Morgan Stanley Smith Barney LLC nor its Financial Advisors or Private Wealth Advisors paid a fee to Barron's to obtain or use the ranking. This ranking is based on in-person and telephone due diligence meetings to evaluate each advisor qualitatively, a major component of a ranking algorithm that includes client retention, industry experience, review of compliance records, firm nominations, and quantitative criteria, including assets under management and revenue generated for their firms. Investment performance is not a criterion. Rankings are based on the opinions of Barron's and this ranking may not be representative of any one client’s experience. These rankings are not indicative of the Financial Advisor’s future performance. Morgan Stanley Smith Barney LLC is not affiliated with Barron's. Barron’s is a registered trademark of Dow Jones & Company, L.P. All rights reserved.
Securities Agent: NY, FL, WI, RI, MS, IL, DE, AZ, TN, MI, MN, MA, IN, CT, MD, ME, VA, KY, GA, NC, TX, NH, MO, CA, WA, PA, OK, NJ, MT, HI, NM, UT, NV, LA, IA, CO, OR, OH; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1331991
NMLS#: 1331991
About David Ching
David Ching grew up in Kaneohe, Hawaii and is a graduate of Punahou School. He graduated Cum Laude from the University of Southern California where he received his Bachelor of Science in Electrical Engineering. David worked in the aerospace industry at TRW (now known as Northrop Grumman), designing satellite data transmission systems. After returning home to Hawaii, David performed systems engineering and project management for the Department of Defense at Space and Naval Warfare Systems Pacific, managing multi-million dollar telecommunication projects.
David attended classes full-time at the University of Hawaii in the evenings after work graduating Magna Cum Laude and receiving a Master of Business Administration with a dual emphasis in Finance and Management in 2005. He joined Morgan Stanley in 2011 and obtained the CERTIFIED FINANCIAL PLANNERTM (CFP®) designation in 2015. David was recognized as a Five Star Wealth Manager by the Honolulu Magazine in 2016.
David met his wife, Dayna Kamimura-Ching, in high school. Dayna is a partner at a local law firm. They are the proud and exhausted parents of their two children, Shayla and Brennan.
Five Star Wealth Advisor Award
[This award was issued in 2016]. The award was determined based on an evaluation process conducted by Five-Star Professional based on objective criteria. The award was not based on a specific time period.
David attended classes full-time at the University of Hawaii in the evenings after work graduating Magna Cum Laude and receiving a Master of Business Administration with a dual emphasis in Finance and Management in 2005. He joined Morgan Stanley in 2011 and obtained the CERTIFIED FINANCIAL PLANNERTM (CFP®) designation in 2015. David was recognized as a Five Star Wealth Manager by the Honolulu Magazine in 2016.
David met his wife, Dayna Kamimura-Ching, in high school. Dayna is a partner at a local law firm. They are the proud and exhausted parents of their two children, Shayla and Brennan.
Five Star Wealth Advisor Award
[This award was issued in 2016]. The award was determined based on an evaluation process conducted by Five-Star Professional based on objective criteria. The award was not based on a specific time period.
Securities Agent: MI, OH, IN, NJ, KY, FL, CA, AZ, MA, WA, MS, HI, GA, UT, TN, NV, CT, PA, OR, MT, IL, VA, TX, NM, NC, DE, MO, ME, NH, CO, WI, NY; General Securities Representative; Investment Advisor Representative
NMLS#: 1332046
NMLS#: 1332046
About Darlene Mikami
Darlene joined Morgan Stanley in 2020 and prior to Morgan Stanley, has worked at several local banks, all within the Wealth Management division. She has 15 years of financial industry experience which includes working within the Trust Department, Private Banking and Investments.
Darlene is from Honolulu, Hawaii and is a graduate of Mid-Pacific Institute. She attended Hawaii Pacific University where she received her Bachelor’s degree in Finance. She volunteers her time helping her community association, her children’s school PTO and her children’s Cub Scout Pack with Aloha Council BSA. She enjoys travelling, playing piano with her two children and spending time with family and friends.
Darlene is from Honolulu, Hawaii and is a graduate of Mid-Pacific Institute. She attended Hawaii Pacific University where she received her Bachelor’s degree in Finance. She volunteers her time helping her community association, her children’s school PTO and her children’s Cub Scout Pack with Aloha Council BSA. She enjoys travelling, playing piano with her two children and spending time with family and friends.
About Naomi Oki
Starting as an intern with Morgan Stanley during summers in college, Naomi joined the Ehrman Lee Bennett Ching Group in 2020. As a Wealth Management Analyst, Naomi works directly with Financial Advisors and clients to create tailored financial plans and customized reports. She enjoys building trusting relationships with clients and servicing them to assist in reaching their goals.
Naomi grew up on Oahu and graduated from Punahou School. She played soccer at Babson College where she earned her bachelor’s degree of Business Administration. While she no longer plays soccer competitively, Naomi enjoys hiking with her dog, gardening, and fishing.
Naomi grew up on Oahu and graduated from Punahou School. She played soccer at Babson College where she earned her bachelor’s degree of Business Administration. While she no longer plays soccer competitively, Naomi enjoys hiking with her dog, gardening, and fishing.
About Joosun David Kim
Joosun David Kim joined The Ehrman Bennett Lee Ching Group as a Registered Client Service Associate in 2021. He is a Pepperdine University graduate and has 8 years of financial services industry experience. He is committed to delivering a caring and memorable client experience. In his free time Joosun likes to go for walks, eat good food, and watch movies with his wife and daughter.
About Manuela Gomez
Manuela Joined The Ehrman Bennett Lee Ching group in 2024, she holds a Business Administrations degree from the College of Charleston and has 3.5 years of industry experience, Manuela focuses in providing white-glove client service and prioritizes client’s needs.
In her free time, she enjoys doing yoga, running, spending time with her husband and dog, traveling and exploring different cultures.
In her free time, she enjoys doing yoga, running, spending time with her husband and dog, traveling and exploring different cultures.
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Ready to start a conversation? Contact The Ehrman Lee Bennett Ching Group today.
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For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan 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.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
3Morgan 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.
4Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
5Morgan 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.
6Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
7When 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.
8When 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.
9Products and services are provided by third party service providers, not Morgan Stanley Smith Barney LLC (“Morgan Stanley”). Morgan Stanley may not receive a referral fee or have any input concerning such products or services. There may be additional service providers for comparative purposes. Please perform a thorough due diligence and make your own independent decision.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
10The returns on a portfolio consisting primarily of Environmental, Social and Governance (“ESG”) aware investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because ESG criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Diversification does not guarantee a profit or protect against loss in a declining financial market.
11Investors should consider many factors before deciding which 529 plan is appropriate. Some of these factors include: the Plan’s investment options and the historical investment performance of these options, the Plan’s flexibility and features, the reputation and expertise of the Plan’s investment manager, Plan contribution limits and the federal and state tax benefits associated with an investment in the Plan. Some states, for example, offer favorable tax treatment and other benefits to their residents only if they invest in the state’s own Qualified Tuition Program. Investors should determine their home state’s tax treatment of 529 plans when considering whether to choose an in-state or out-of-state plan. Investors should consult with their tax or legal advisor before investing in any 529 Plan or contact their state tax division for more information. Morgan Stanley Smith Barney LLC does not provide tax and/or legal advice. Investors should review a Program Disclosure Statement, which contains more information on investment options, risk factors, fees and expenses and possible tax consequences.
12Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
13Structured Investments are complex and not appropriate for all investors. An investment in structured investments involves risks. These risks can include but are not limited to: fluctuations in the price, level or yield of underlying asset(s), interest rates, currency values and credit quality, substantial loss of principal, limits on participation in appreciation of underlying asset(s), limited liquidity, credit risk, and/or conflicts of interest. Many structured investments do not pay interest or guarantee a return above principal at maturity. Investors should read the security’s offering documentation prior to making an investment decision.
14Morgan 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.
15Morgan 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
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 Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan 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.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
3Morgan 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.
4Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
5Morgan 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.
6Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
7When 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.
8When 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.
9Products and services are provided by third party service providers, not Morgan Stanley Smith Barney LLC (“Morgan Stanley”). Morgan Stanley may not receive a referral fee or have any input concerning such products or services. There may be additional service providers for comparative purposes. Please perform a thorough due diligence and make your own independent decision.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
10The returns on a portfolio consisting primarily of Environmental, Social and Governance (“ESG”) aware investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because ESG criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Diversification does not guarantee a profit or protect against loss in a declining financial market.
11Investors should consider many factors before deciding which 529 plan is appropriate. Some of these factors include: the Plan’s investment options and the historical investment performance of these options, the Plan’s flexibility and features, the reputation and expertise of the Plan’s investment manager, Plan contribution limits and the federal and state tax benefits associated with an investment in the Plan. Some states, for example, offer favorable tax treatment and other benefits to their residents only if they invest in the state’s own Qualified Tuition Program. Investors should determine their home state’s tax treatment of 529 plans when considering whether to choose an in-state or out-of-state plan. Investors should consult with their tax or legal advisor before investing in any 529 Plan or contact their state tax division for more information. Morgan Stanley Smith Barney LLC does not provide tax and/or legal advice. Investors should review a Program Disclosure Statement, which contains more information on investment options, risk factors, fees and expenses and possible tax consequences.
12Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
13Structured Investments are complex and not appropriate for all investors. An investment in structured investments involves risks. These risks can include but are not limited to: fluctuations in the price, level or yield of underlying asset(s), interest rates, currency values and credit quality, substantial loss of principal, limits on participation in appreciation of underlying asset(s), limited liquidity, credit risk, and/or conflicts of interest. Many structured investments do not pay interest or guarantee a return above principal at maturity. Investors should read the security’s offering documentation prior to making an investment decision.
14Morgan 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.
15Morgan 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
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)
