Phone:
(559) 636-5640(559) 636-5640
The Legacy Group at Morgan Stanley
Our Mission Statement
Our mission is to help clients reach their life goals through experienced perspective, rigorous intellectual capital, and highly attentive personal service—delivering disciplined advice and tailored strategies that support long-term confidence, stewardship, and legacy.
Welcome
We formed The Legacy Group to provide clients with a dedicated team of professionals focused on comprehensive financial planning and wealth management—delivering a level of service that extends beyond the traditional single-advisor model.
With more than 50 years of combined experience, our team works collaboratively to deliver a holistic wealth management experience aligned with the expectations of many high-profile and high-net-worth families. We believe effective financial advice is a lifelong process, best managed proactively over time.
By leveraging the strengths of each team member—alongside our strategic partners and professional alliances—we strive to provide a first-class, consultative experience that can be difficult for a single advisor to match.
What distinguishes us is our belief that excellent advice should be consistent and impartial. Regardless of how wealth was created—whether through professional success, inheritance, entrepreneurship, a unique opportunity, or anything else—our focus is the same: ensuring your financial resources are thoughtfully managed and aligned with your goals.
Through a deep discovery process, we provide a clear assessment of your current financial strategy and, where appropriate, recommendations for refinement. You can then determine whether it makes sense to move forward with The Legacy Group.
Whether your goal is to grow your wealth or preserve it with appropriate risk, we build personalized strategies tailored to your investment objectives, lifestyle priorities, and legacy plans. We hope our website offers a compelling introduction to The Legacy Group and a helpful overview of the services our clients value most.
Note: If you plan to reference specific products, services, performance, or current market conditions, please confirm details with relevant internal sources or use the web search toggle to ensure the information is current.
With more than 50 years of combined experience, our team works collaboratively to deliver a holistic wealth management experience aligned with the expectations of many high-profile and high-net-worth families. We believe effective financial advice is a lifelong process, best managed proactively over time.
By leveraging the strengths of each team member—alongside our strategic partners and professional alliances—we strive to provide a first-class, consultative experience that can be difficult for a single advisor to match.
What distinguishes us is our belief that excellent advice should be consistent and impartial. Regardless of how wealth was created—whether through professional success, inheritance, entrepreneurship, a unique opportunity, or anything else—our focus is the same: ensuring your financial resources are thoughtfully managed and aligned with your goals.
Through a deep discovery process, we provide a clear assessment of your current financial strategy and, where appropriate, recommendations for refinement. You can then determine whether it makes sense to move forward with The Legacy Group.
Whether your goal is to grow your wealth or preserve it with appropriate risk, we build personalized strategies tailored to your investment objectives, lifestyle priorities, and legacy plans. We hope our website offers a compelling introduction to The Legacy Group and a helpful overview of the services our clients value most.
Note: If you plan to reference specific products, services, performance, or current market conditions, please confirm details with relevant internal sources or use the web search toggle to ensure the information is current.
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Process
It begins with listening. We take the time to ask thoughtful questions about what matters most to you—your goals and aspirations, risk tolerance, and time horizon—and then we listen carefully.
This is an ongoing relationship. Through this discovery process, we gain the insights needed to make informed recommendations and develop a flexible wealth management plan tailored to you.
Please refer to the flow chart below for an overview of our process.
This is an ongoing relationship. Through this discovery process, we gain the insights needed to make informed recommendations and develop a flexible wealth management plan tailored to you.
Please refer to the flow chart below for an overview of our process.
It’s Easy to Let Emotions Get in the Way
The Legacy Group helps clients avoid the emotional traps by following these 6 rules of investing.
• Most opinions or bias are not a portfolio issue
• Have an unemotional, unbiased perspective on the market
• Learn to fail fast.. It’s okay to be wrong; it’s not okay to stay wrong.
• The fear of buying at the top of a market comes from the lack of self discipline
• Either an investment is in an up-trend or a down-trend and its either on a buy signal or a sell signal
• Don’t be confused by news and information… Price of an investment is the summation of all that goes on in the marketplace.
• Most opinions or bias are not a portfolio issue
• Have an unemotional, unbiased perspective on the market
• Learn to fail fast.. It’s okay to be wrong; it’s not okay to stay wrong.
• The fear of buying at the top of a market comes from the lack of self discipline
• Either an investment is in an up-trend or a down-trend and its either on a buy signal or a sell signal
• Don’t be confused by news and information… Price of an investment is the summation of all that goes on in the marketplace.
CLIENT RESOURCES
At Morgan Stanley, we understand that staying informed about the ever-evolving markets, staying up to date on tax-related information, and gaining knowledge from events are crucial components of a successful investment strategy.
We've curated a comprehensive range of resources designed to empower you in managing your wealth effectively and enriching your financial journey. Whether it's investment research from our investment specialists, tax-related information, or firm events, our goal is to provide with the tools you need to make informed decisions and achieve your financial aspirations.
We've curated a comprehensive range of resources designed to empower you in managing your wealth effectively and enriching your financial journey. Whether it's investment research from our investment specialists, tax-related information, or firm events, our goal is to provide with the tools you need to make informed decisions and achieve your financial aspirations.
IRA Rollover Guide
Our IRA Rollover Guide provides you with information on the following:
- Your options when you are eligible to take a distribution from a QRP.
- The differences in services and features between a QRP and a Morgan Stanley retirement account.
- The differences in fees between a QRP and a Morgan Stanley retirement account.
- Information about our responsibilities when recommending you roll over your retirement plan assets to a Morgan Stanley retirement account and potential conflicts of interest as well as other important disclosures.
Learn more here- Your options when you are eligible to take a distribution from a QRP.
- The differences in services and features between a QRP and a Morgan Stanley retirement account.
- The differences in fees between a QRP and a Morgan Stanley retirement account.
- Information about our responsibilities when recommending you roll over your retirement plan assets to a Morgan Stanley retirement account and potential conflicts of interest as well as other important disclosures.
2026 Federal Income Tax Tables
For help filling your taxes this year, I wanted to make the 2026 tax tables available to you.
2026 Federal Income Tax Tables
Investment Research
Through timely, in-depth analysis of companies, industries, markets, and world economies, Morgan Stanley has earned its reputation as a leader in the field of investment research.
Learn more here
Global Investment Office
The Morgan Stanley Global Investment Office provides you with world-class thought leadership timely market commentary, and portfolio ideas to help guide your investment decisions.
Morgan Stanley Portfolio Insights
Morgan Stanley Online
Your investments and everyday finances are always just a few clicks away with Morgan Stanley Online (MSO) and the Morgan Stanley mobile app! Access your finances and invest in an instant with the help of this handy resource that is available 24/7.
Morgan Stanley Online
Portfolio Risk Platform
Our Portfolio Risk Platform, backed by institutional-caliber analytics, assesses thousands of risk factors using a holdings-based approach to assess a portfolio’s exposures, analyze how securities behave together across portfolios and forecast how they influence risk and return moving forward.
Portfolio Risk Platform
Trust and Estate Planning and Business Succession
The key to determining which trust, tax and estate strategies to execute is to understand the interplay of personal and exogenous factors. Liquidity events such as an initial public offering or a merger or acquisition may provide income and estate planning opportunities. Liquidity events also magnify the need to put in place or update certain essential estate planning documents.
Lifestyle Services
The enjoyment of wealth means the most powerful benefits of a family office is the potential to help family members simplify their personal lives. We provide bespoke solutions and access to knowledgeable, highly personal specialists to help meet your exceptional needs, from the everyday to the extraordinary, such as: travel and concierge services, health and security advisory, tangible asset management, personal enrichment, and financial administration.
Legacy & Estate Planning Strategies
We provide a fully-integrated, comprehensive analysis of your balance sheet, estate plan and investment strategy through a collaborative process. At your request, we will coordinate with your estate planning and tax advisors as well.
Family Governance and Education
Too often, members of rising generations spend decades in silence. Having a mechanism in place such as a family mission statement, a family constitution or an investment policy statement can offer critical parameters and guidelines to make decisions as a collective. We work with you to find your way to becoming your own generation, with your own voice.
Redefining Family Office
Your family is unlike any other we have ever served. You may, however, share many of the same questions, challenges and opportunities. We look forward to learning more about you and your family, and discussing how we can help you safeguard what you have earned and pursue your most important life goals. We deliver an exceptionally attentive level of service and dedicate ourselves to finding solutions to the challenges our clients face, even those challenges that fall well outside the traditional role of wealth managers.
Location
520 West Main Street
Visalia, CA 93291
US
Direct:
(559) 733-7211(559) 733-7211
Toll-Free:
(800) 755-7211(800) 755-7211
Meet The Legacy Group
Phone:
(559) 636-5667(559) 636-5667
Jessika Cruz
Phone:
(559) 636-5647(559) 636-5647
About Peter Babagian
Peter Babagian is a founding member of The Legacy Group at Morgan Stanley and has been with the firm since 1992, spending his entire professional career at Morgan Stanley. He earned a Bachelor of Arts degree from the College of Letters and Science at the University of California, Los Angeles (UCLA).
Peter plays a central role in advancing The Legacy Group’s work with high net worth and ultra-high net worth clients by applying a thorough, multi-step discovery process designed to identify what matters most to each client about money. He is actively involved in building comprehensive, personalized strategies that align investment decisions with each client’s broader goals, priorities, and long-term objectives.
As The Legacy Group’s Senior Portfolio Manager, Peter personally manages many portfolios on a discretionary basis through the Morgan Stanley Portfolio Management Program. His work emphasizes disciplined portfolio construction and ongoing oversight, tailored to each client’s unique needs and circumstances. He also supports clients with in-depth analysis across virtually all aspects of their financial lives, collaborating through strategic relationships with other professionals to help strengthen clients’ investment, life, and legacy strategies.
Outside the office, Peter has been a lifelong sports participant and has spent nearly two decades coaching youth in his community—particularly baseball and youth tackle football. He takes pride in having helped many “next generation” athletes progress to higher levels, including collegiate and professional play. Peter also enjoys woodworking and has taken the craft to a modern level by designing and building CNC machines—incorporating routers and lasers—to create unique, customized gifts for friends and family. Additional interests include hunting and fishing, model airplane building, cooking, electronics, vintage car restoration, traveling, and golfing. With roots in a construction background, Peter continues to enjoy building—whether portfolios or cabinets—bringing a dedication to detail and a structured approach to achieving complex goals.
Peter plays a central role in advancing The Legacy Group’s work with high net worth and ultra-high net worth clients by applying a thorough, multi-step discovery process designed to identify what matters most to each client about money. He is actively involved in building comprehensive, personalized strategies that align investment decisions with each client’s broader goals, priorities, and long-term objectives.
As The Legacy Group’s Senior Portfolio Manager, Peter personally manages many portfolios on a discretionary basis through the Morgan Stanley Portfolio Management Program. His work emphasizes disciplined portfolio construction and ongoing oversight, tailored to each client’s unique needs and circumstances. He also supports clients with in-depth analysis across virtually all aspects of their financial lives, collaborating through strategic relationships with other professionals to help strengthen clients’ investment, life, and legacy strategies.
Outside the office, Peter has been a lifelong sports participant and has spent nearly two decades coaching youth in his community—particularly baseball and youth tackle football. He takes pride in having helped many “next generation” athletes progress to higher levels, including collegiate and professional play. Peter also enjoys woodworking and has taken the craft to a modern level by designing and building CNC machines—incorporating routers and lasers—to create unique, customized gifts for friends and family. Additional interests include hunting and fishing, model airplane building, cooking, electronics, vintage car restoration, traveling, and golfing. With roots in a construction background, Peter continues to enjoy building—whether portfolios or cabinets—bringing a dedication to detail and a structured approach to achieving complex goals.
Securities Agent: PA, CA, NV, VA, LA, AK, TX, MT, UT, SD, MO, MI, AR, WA, OR, ID, CO, FL, AZ; BM/Supervisor; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1297934
CA Insurance License #: 0B08311
NMLS#: 1297934
CA Insurance License #: 0B08311
About Greg Friesen
Greg Friesen is a financial services leader with more than three decades of industry experience, rooted in a strong community and small-business background. He grew up in Livingston, California, where his family has owned and operated a local hardware store for more than 60 years—an early foundation that shaped his long-term, service-oriented approach to client relationships.
Greg earned a Bachelor of Science in Business Administration from California State University, Stanislaus in 1989. After graduation, he spent five years working in his family’s business before transitioning into financial services. In 1994, he began his wealth management career at Dean Witter as a Financial Advisor.
Three years into his career, Greg was promoted to Producing Manager in Visalia, California. He went on to hold a series of management roles with Morgan Stanley, including leadership positions in Santa Cruz and Fresno, California. In 2008, Greg joined UBS, where he managed the Central California complex, further broadening his leadership experience across the region.
In 2019, Greg rejoined Morgan Stanley in Visalia, California, where he partnered with long-time colleagues and friends, bringing his experience and collaborative leadership style to serving clients and supporting team growth.
Outside of work, Greg enjoys golfing, hiking, and traveling internationally. He is married to his wife of 35 years and is the proud parent of two adult children.
Greg earned a Bachelor of Science in Business Administration from California State University, Stanislaus in 1989. After graduation, he spent five years working in his family’s business before transitioning into financial services. In 1994, he began his wealth management career at Dean Witter as a Financial Advisor.
Three years into his career, Greg was promoted to Producing Manager in Visalia, California. He went on to hold a series of management roles with Morgan Stanley, including leadership positions in Santa Cruz and Fresno, California. In 2008, Greg joined UBS, where he managed the Central California complex, further broadening his leadership experience across the region.
In 2019, Greg rejoined Morgan Stanley in Visalia, California, where he partnered with long-time colleagues and friends, bringing his experience and collaborative leadership style to serving clients and supporting team growth.
Outside of work, Greg enjoys golfing, hiking, and traveling internationally. He is married to his wife of 35 years and is the proud parent of two adult children.
Securities Agent: NJ, WA, SC, MD, ID, TX, CO, TN, MO, CA, OR, NC, NV, CT, AZ, FL; BM/Supervisor; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 307043
CA Insurance License #: 0B57036
NMLS#: 307043
CA Insurance License #: 0B57036
Contact Peter Babagian
Contact Greg Friesen
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
Savanah Arellano
Associate Private Banker
Gail G. Brown, CFP®
Financial Planning Director, Assistant Vice President
About Savanah Arellano
Savanah Arellano is an Associate Private Banker serving Morgan Stanley Wealth Management offices in Nevada and California.
Associate Private Bankers partner with Private Bankers and Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Savanah began her career in financial services in 2005 and joined Morgan Stanley in 2021 as an Associate Private Banker. Prior to joining the firm, she was a Wealth Management Associate at the U.S. Bancorp. She lives in Las Vegas, Nevada with her family. Outside of the office, Savanah enjoys reading, cooking, and spending time with her kids at their sporting events and volunteering in their classrooms.
Associate Private Bankers partner with Private Bankers and Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Savanah began her career in financial services in 2005 and joined Morgan Stanley in 2021 as an Associate Private Banker. Prior to joining the firm, she was a Wealth Management Associate at the U.S. Bancorp. She lives in Las Vegas, Nevada with her family. Outside of the office, Savanah enjoys reading, cooking, and spending time with her kids at their sporting events and volunteering in their classrooms.
NMLS#: 679740
About Gail G. Brown
Gail G. Brown is an assistant vice president and financial planning director serving Morgan Stanley Wealth Management offices in Central California and Las Vegas. She is responsible for helping financial advisors with their clients’ and prospects’ financial planning needs.
Gail began her career in financial services in 2005 and joined Morgan Stanley in 2016. Prior to her current position, she worked in an array of financial services areas, including lending, business banking, risk management and investment advisory. Her broad experience has demonstrated to her the importance of developing a financial plan that ensures all aspects of a client’s financial world align and complement one another.
Gail graduated from the University of Nevada Las Vegas and holds her CERTIFIED FINANCIAL PLANNER™ and Certified Personal Wealth Advisor® designations.
Gail is a native of Las Vegas and enjoys serving on the board of the local Summerlin Rotary Club. She loves international travel adventures where she can immerse herself in other cultures, camping and getting her hands dirty in her home garden. Gail truly enjoys her work; she finds purpose in providing clarity and peace of mind to clients and their families.
DISCLOSURE:
Important information about your relationship with your Financial Advisor and Morgan Stanley Smith Barney LLC when using a Financial Planning tool. When your Financial Advisor prepares a Financial Plan, they will act in an investment advisory capacity for thirty (30) days after the delivery of your Financial Plan. To understand the differences between brokerage and advisory relationships, you should consult your Financial Advisor, or review our “Understanding Your Brokerage and Investment Advisory Relationships,” brochure available at https://www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
You have sole responsibility for making all investment decisions with respect to the implementation of a Financial Plan. You may implement the Financial Plan at Morgan Stanley or at another firm. If you engage or have engaged Morgan Stanley, it will act as your broker, unless you ask it, in writing, to act as your investment adviser on any particular account.
Morgan 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.
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.
© 2026 Morgan Stanley Smith Barney LLC. Member SIPC.
Gail began her career in financial services in 2005 and joined Morgan Stanley in 2016. Prior to her current position, she worked in an array of financial services areas, including lending, business banking, risk management and investment advisory. Her broad experience has demonstrated to her the importance of developing a financial plan that ensures all aspects of a client’s financial world align and complement one another.
Gail graduated from the University of Nevada Las Vegas and holds her CERTIFIED FINANCIAL PLANNER™ and Certified Personal Wealth Advisor® designations.
Gail is a native of Las Vegas and enjoys serving on the board of the local Summerlin Rotary Club. She loves international travel adventures where she can immerse herself in other cultures, camping and getting her hands dirty in her home garden. Gail truly enjoys her work; she finds purpose in providing clarity and peace of mind to clients and their families.
DISCLOSURE:
Important information about your relationship with your Financial Advisor and Morgan Stanley Smith Barney LLC when using a Financial Planning tool. When your Financial Advisor prepares a Financial Plan, they will act in an investment advisory capacity for thirty (30) days after the delivery of your Financial Plan. To understand the differences between brokerage and advisory relationships, you should consult your Financial Advisor, or review our “Understanding Your Brokerage and Investment Advisory Relationships,” brochure available at https://www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
You have sole responsibility for making all investment decisions with respect to the implementation of a Financial Plan. You may implement the Financial Plan at Morgan Stanley or at another firm. If you engage or have engaged Morgan Stanley, it will act as your broker, unless you ask it, in writing, to act as your investment adviser on any particular account.
Morgan 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.
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.
© 2026 Morgan Stanley Smith Barney LLC. Member SIPC.
NMLS#: 693330
CA Insurance License #: 0M34241
CA Insurance License #: 0M34241
Private Banking Group (PBG) Market Managers, Senior Private Bankers, Private Bankers, and Associate Private Bankers are employees of Morgan Stanley Private Bank, National Association.
Banking products and services are offered by Morgan Stanley Private Bank, National Association, Member FDIC.
Morgan 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
Important information about your relationship with your Financial Advisor and Morgan Stanley Smith Barney LLC when using a Financial Planning tool. When your Financial Advisor prepares a Financial Plan, they will act in an investment advisory capacity for thirty (30) days after the delivery of your Financial Plan. To understand the differences between brokerage and advisory relationships, you should consult your Financial Advisor, or review our “Understanding Your Brokerage and Investment Advisory Relationships,” brochure available at https://www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
You have sole responsibility for making all investment decisions with respect to the implementation of a Financial Plan. You may implement the Financial Plan at Morgan Stanley or at another firm. If you engage or have engaged Morgan Stanley, it will act as your broker, unless you ask it, in writing, to act as your investment adviser on any particular account.
Morgan 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.
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.
Banking products and services are offered by Morgan Stanley Private Bank, National Association, Member FDIC.
Morgan 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
Important information about your relationship with your Financial Advisor and Morgan Stanley Smith Barney LLC when using a Financial Planning tool. When your Financial Advisor prepares a Financial Plan, they will act in an investment advisory capacity for thirty (30) days after the delivery of your Financial Plan. To understand the differences between brokerage and advisory relationships, you should consult your Financial Advisor, or review our “Understanding Your Brokerage and Investment Advisory Relationships,” brochure available at https://www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
You have sole responsibility for making all investment decisions with respect to the implementation of a Financial Plan. You may implement the Financial Plan at Morgan Stanley or at another firm. If you engage or have engaged Morgan Stanley, it will act as your broker, unless you ask it, in writing, to act as your investment adviser on any particular account.
Morgan 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.
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.
Wealth Management
From Our Team
Actively Pursuing Tax Alpha
Wealth Management
Global Investment Office
Portfolio Insights
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
Iran Conflict: Seven Takeaways for Investors
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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
529 Plans: A Powerful Tool to Save for Education
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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
A Simple Six-Step Retirement Checkup
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Ready to start a conversation? Contact The Legacy Group today.
1When 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.
2Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States. Morgan Stanley Wealth Management is a business of Morgan Stanley Smith Barney LLC.
3Morgan 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.
4Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
5Morgan Stanley’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be appropriate for you. Please see the Morgan Stanley Smith Barney LLC program disclosure brochure (the “Morgan Stanley ADV”) for more information in the investment advisory programs available. The Morgan Stanley ADV is available at www.morganstanley.com/ADV.
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 Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.
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 | Morgan Stanley
2Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States. Morgan Stanley Wealth Management is a business of Morgan Stanley Smith Barney LLC.
3Morgan 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.
4Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
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Awards Disclosures | Morgan Stanley
CRC 4665150 (8/2025), 4763067 (9/2025)
