Our Story

For over a decade, The Integra Group has delivered highly personalized wealth management services to a diverse client base, which include millennials and high net worth individuals and families nearing or in retirement in addition to employer sponsored retirement plans.

Our experienced team employs a multi-step consultative wealth management process to address their clients’ most pressing financial challenges. The consultative process begins with a discovery meeting where they gather the necessary information that will enable the client to determine their current financial state, their financial blind spots and if their finances are connected to their life priorities. Next, a customized financial plan is recommended to assist the client in meeting their stated goals and objectives. Once the client is comfortable with the plan, the team implements the plan and an ongoing review process is established to measure the progress of achieving the client’s goals.

Our experienced team employs a multi-step consultative wealth management process to address their clients’ most pressing financial challenges. The consultative process begins with a discovery meeting where they gather the necessary information that will enable the client to determine their current financial state, their financial blind spots and if their finances are connected to their life priorities. Next, a customized financial plan is recommended to assist the client in meeting their stated goals and objectives. Once the client is comfortable with the plan, the team implements the plan and an ongoing review process is established to measure the progress of achieving the client’s goals.
Services Include
  • 401(k) Rollovers
  • Wealth Management1
  • Asset Management2
  • Endowments and Foundations3
  • Estate Planning Strategies4
  • Executive Financial Services5
  • Financial Planning6
  • Qualified Retirement Plans7
  • Retirement Planning8
  • Sustainable Investing9
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*

George Noceti – 2-Minute Update

Starting with the End in Mind: Goals-Based Wealth Management

Noceti in the News

  • Alex Savage peppers George Noceti regarding the direction Fed Chief Jay Powell is taking the interest rates
    Watch the video
  • ABC's Michael Finney and Wealth Advisor George Noceti banter about three important buckets: the emergency bucket, the retirement bucket, and the dream bucket
    Watch the video
  • Noceti discusses the Jobs Report and the Trump early Tweet
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  • KTVU Anchor asks George Noceti about the Italian Crisis Fears and its effect on the US
    Watch the video
  • Mike Finney, KGO Consumer Advocate interviews George on 529 Day last Tuesday…funding college education awareness day!
    Watch the video
  • KGO-810 Michael Finney asked George “What to do with my tax refund”
    Watch the video
  • KTVU’s Julie Haener and Ken Wayne pepper George Noceti with questions about Tariffs, Tesla, and a sinking stock market
    Watch the video
  • George Noceti & Jason Brooks from KCBS Discuss University of Michigan Consumer Sentiment Survey & Federal Open Market Committee Rate Hike: (1) (2) (3) (4)
    Watch the video
  • ABC's Michael Finney, Consumer Advocate, talks to George about the sudden stock market plunge and how it affects consumers
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  • FOX’s Heather and Dan talk to George about the second day of steep losses
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  • Noceti and Fox's evening anchor, Andre discuss the recent consumer confidence survey
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  • Frank Summerville and Julie Haener ask Noceti what happened with Monday’s big sell off
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  • Noceti compares the market sell off to the NFL’s “concussion protocol” with KTVU’s Frank Summerville
    Watch the video
  • KTVU’s Jana Katsuyama asks George about the market and the change in the Federal Reserve Chief from Janet Yellen to Jay Powell
    Watch the video
  • Noceti gives TECONOMICS KGO's host Jason Middleton an Economic Outlook for 2018!
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  • Noceti Discusses the College Access Tax Credit Fund for the California State Treasurers
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  • Noceti addresses a lack luster jobs report and finishes on what to do if you win the Lottery!
    Watch the video
  • Noceti calls the California Unemployment Rate at 4.6%, the lowest since 1976
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  • Noceti on November Jobs Report
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  • Noceti on Tax Reform with KTVU Frank Millicoat
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  • Noceti on KTVU Channel 2 Talks About Winning The Lottery
    Watch the video
  • Noceti on KCBS discusses retail sales
    Watch the video
  • Noceti Talks with KTVU Heather Holmes on Federal Fund Rate
    Watch the video
  • Noceti on the French Election
    Watch the video
"When should I file for Social Security benefits?"

It's the question every Boomer needs to answer, rich or poor. Will you need Social Security to make ends meet or do you intend to use it to fund an investment program, your grandkids' education, or anything else in between.

The answer to that question is complicated.

The distribution phase of retirement is a lot more complicated than the accumulation phase. And the decisions you make at this stage in your life depend on a multitude of factors including income, assets, health status, life expectancy, family dynamics, life goals, and a lot more.

We have organized a few articles around Social Security that can help you navigate this complicated topic, however there really is no substitute for sitting down with your advisor, spreading the papers around the table, and talking about your life and family, hopes and fears, and developing a retirement plan that makes all aspects of your financial and life goals work together.

Location

1333 N California Blvd
Suite 133
Walnut Creek, CA 94596
US
Direct:
(925) 746-2982(925) 746-2982
Toll-Free:
(800) 949-5199(800) 949-5199

Meet The Integra Group

About Me

For more than a decade, George has been serving the needs of affluent individuals and families by developing financial plans to manage their present situation and plan for their future dreams and aspirations.  In addition, George is a Chartered Retirement Plans Specialist? (CRPS) and provides advice and guidance to employers offering defined benefit and defined contribution plans.  Prior to joining Morgan Stanley, George held a variety of leadership positions, such as Chief Operating Officer at Match.com and School Principal in the Richmond Unified School District.
George has taught in the Personal Financial Planning Program at the University of California at Berkeley.  In 2011, he was honored by the University by receiving the Tim Kochis Award for Teaching Excellence.
Securities Agent: CA, WI, WA, VA, UT, OR, NY, NV, NM, MO, MI, IL, IA, DC, AZ; Managed Futures; General Securities Representative; Investment Advisor Representative
NMLS#: 1262002

About Me

Paul has been empowering his clients in their financial life for more than seven years.  Having earned a B.S. in Mechanical Engineering from Loyola Marymount University in Los Angeles, CA, Paul worked in the engineering field in both Los Angeles and the San Francisco Bay area prior to joining the Integra Group at Morgan Stanley.  While working as an engineer, Paul led such notable projects as restoring antique car parts for Jay Leno and partnering with the Mayo Clinic on TMJ replacements.  His engineering experiences have provided a strong foundation for his role as a financial advisor, as each client, like an engineering problem, has a unique situation and goals.  Paul helps clients prioritize their goals and needs, then structures a plan that fits their comfort level to help achieve their goals.
Securities Agent: CA, WI, WA, VA, OR, NY, NV, NM, MO, MI, IL, IA, AZ; Managed Futures; General Securities Representative; Investment Advisor Representative
NMLS#: 1272904
CA Insurance License #: 0G62060

About Me

Pam is a Senior Registered Associate supporting the Integra Group at Morgan Stanley Clients, and George and Paul Noceti.  Pam holds a Series 7 and 66 as well as having been employed at Morgan Stanley for over 28 years.  Pam is responsible for all administrative client services which frees up George and Paul to focus on your financial planning and wealth management needs.
Pam can be reached at 925-930-3830 or pamela.espinoza@morganstanley.com.
From Our Team

Social Security Article - Creative Social Security Claiming Strategies


Investment and Market Perspectives

On the Markets

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
The Simple Six-Step Retirement Checkup

The Simple Six-Step Retirement Checkup

Given market volatility in 2018, checking in on your retirement plan may be one of the wisest New Year’s resolutions you can make.

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
Investing in Artificial Intelligence and Automation

Investing in Artificial Intelligence and Automation

AI is an exciting growth area, but the investing opportunities are not always obvious. Here’s how to integrate this theme into your portfolio.

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
A Parent's Guide to Talking to Your Kids About Money

A Parent's Guide to Talking to Your Kids About Money

Raising kids to be smart about money requires creating an environment where they are neither insecure, nor overconfident about family finances.

Business Planning

Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
  • Succession Planning
  • Business Planning
  • Retirement Plan Sponsors
  • Qualified Retirement Plans
  • Corporate Pension Funds
6 Keys to Building a Startup

6 Keys to Building a Startup

Entrepreneurs share ideas and learnings from the experience of starting a company.

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
Choosing an Environmental Charity

Choosing an Environmental Charity

There are a multitude of non-profits dedicated to helping protect the environment. Here’s how to choose where you want to give.

More from Morgan Stanley

OUTSMART VOLATILITY IN A MORGAN STANLEY MINUTE

OUTSMART VOLATILITY IN A MORGAN STANLEY MINUTE

“You may feel like a 1,000 point move in the Dow in a single day is unprecedented, but the reality is that it’s a 2 or 3% move down.” - Lisa Shalett, Chief Investment Officer, Wealth Management
Learn more about OUTSMART VOLATILITY IN A MORGAN STANLEY MINUTE
Morgan Stanley and Justin Rose: A Winning Team

Morgan Stanley and Justin Rose: A Winning Team

Morgan Stanley and our brand ambassador, PGA TOUR champion Justin Rose, share a set of core values and a common cause: giving books to children in need.
Learn more about Morgan Stanley and Justin Rose: A Winning Team
Sign Up for eDelivery

Sign Up for eDelivery

With eDelivery, you’ll have easy access to statements, trade confirmations, general correspondence and much more.
Learn more about Sign Up for eDelivery
Reserved | Living & Giving

Reserved | Living & Giving

Our complimentary program for eligible clients provides you and your family with access to exclusive offers and discounts from premium travel, automotive, health and wellness, and retail brands as well as curated insights from Morgan Stanley.
Learn more about Reserved | Living & Giving
Your Financial World. On the Go.

Your Financial World. On the Go.

With the Morgan Stanley Mobile App, you’ll have the freedom to manage your investments and instantly access a suite of personal cash management tools.
Learn more about Your Financial World. On the Go.
Access Morgan Stanley Online

Access Morgan Stanley Online

Morgan Stanley Online provides a comprehensive view of your assets and liabilities, projected income, breaking news, research and much more.
Learn more about Access Morgan Stanley Online
Ready to start a conversation? Contact The Integra Group today.
Market Information Delayed 20 Minutes
1Morgan 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.

2Morgan 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.

3Morgan 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.

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 and other legal matters.

5Tax laws are complex and subject to change. 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 and are not “fiduciaries” (under ERISA, the Internal Revenue Code or otherwise) with respect to the services or activities described herein except as otherwise provided in writing by Morgan Stanley and/or as described at www.morganstanley.com/disclosures/dol . Individuals are encouraged to consult their tax and legal advisors (a) before establishing a retirement plan or account, and (b) regarding any potential tax, ERISA and related consequences of any investments made under such plan or account.

6Morgan 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.

7Tax laws are complex and subject to change. 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 and are not “fiduciaries” (under ERISA, the Internal Revenue Code or otherwise) with respect to the services or activities described herein except as otherwise provided in writing by Morgan Stanley and/or as described at www.morganstanley.com/disclosures/dol . Individuals are encouraged to consult their tax and legal advisors (a) before establishing a retirement plan or account, and (b) regarding any potential tax, ERISA and related consequences of any investments made under such plan or account.

8Morgan 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.

9The 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.

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 suitable 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”) 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.

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*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.


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